CN102201094A

CN102201094A - Data process system of Internet C2C consumption service and method thereof

Info

Publication number: CN102201094A
Application number: CN2010101340464A
Authority: CN
Inventors: 徐静雯; 张卫东; 蒋慧科; 赵伟
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2010-03-26
Filing date: 2010-03-26
Publication date: 2011-09-28

Abstract

The invention relates to a data process system of Internet C2C (Consumer To Consumer) consumption service. According to the system in the invention, data processing related to consumption service is realized through the Internet between a buyer and a seller. The data process system comprises an acceptance system (100), an Internet transition liquidation processing system (200), a payment module (300) of the buyer and a deposit module (400) of the seller. According to the invention, cash flow from personal accounts to personal accounts is realized, the problem that an individual can not establish a public account is solved, and bank card opening bank is supported to expand the breadth of application.

Description

A kind of data handling system and method thereof of internet C 2C consumption service

Technical field

The present invention relates to a kind of data handling system and data processing method thereof of internet C 2C consumption service, relate to data handling system and the data processing method of utilizing CUPSecure (internet switching clearance disposal system) or CUPSecure and CUPS (bank card information exchange system) that the consumption service among the C2C is handled particularly.

Background technology

Fig. 1 is the transaction flow figure of the general consumer sale of expression.

As shown in Figure 1, after the buyer has chosen commodity, trade company is the seller and to accept train of mechanism 10 be that the buyer's system of the bank of deposit 12 sends payment request (step S10) by transaction adapting system 11 to commodity purchaser, after paying the bill processing (step S20), the buyer's system of the bank of deposit 12 will pay the bill response feedback to the adapting system 11 (step S30) of concluding the business, after this, transaction adapting system 11 is replied payment and is fed back to trade company again and accept train of mechanism 10 (step S40).

By last Fig. 1 as can be seen, a key node in the consumer sale flow process be exactly trade company be the seller.The legal trade company that becomes bank payment system not only will be through strict approval process, also requires trade company to should accepting mechanism, and should offer public account in a certain bank.The deserved payment for goods of trade company is all by accepting mechanism and public account being reversed and transferred.

But development along with Internet service, particularly as the commodity transaction networks development of Taobao etc., offer on-line shop by the individual on the website, the business of carrying out the buying and selling of commodities becomes more and more popular, generally this business model is abbreviated as C2C (Costumer To Costumer, customer to customer) consumption.C2C is the e-commerce transaction pattern of a kind of individual to the individual, and the individual of vending articles or service is referred to as the seller in C2C, and the individual who buys commodity or service is referred to as the buyer.The seller and the buyer can conclude the business by the platform of C2C.

For making bank payment system in the internet payment business, not be in the weak tendency status, wish that also bank payment system also can be applied to the C2C consumption service.Yet, because the individual can't apply for accepting mechanism and to public account,, can't finish the fund clearing of C2C consumption therefore according to the transaction and the clearance flow process of the common entity trade company of existing bank payment system, the seller in the C2C consumption also can't receive the commodity payment for goods.

For addressing this problem, at first the concentrated on studies processing mode of the canonical system that has similar business of present inventors, find that they substantially all are to have adopted a kind of trade company to add the processing mode of bank, promptly the online payment platform has the double identity of trade company and bank simultaneously.In having the bank of business contact, each all sets up one as the role of trade company to public account, during the purchase payment for goods of using personal account in this bank to be the C2C buyer of payment all can at first be transferred merchant account after the clearance eventually in day, then, the merchant account of different bank divides account with the supplier again.The mode of branch account is that the requirement seller at first must have the bank of business contact to open an account with this online payment platform, waits merchant account to take after the payment for goods and carries out funds transfer through the bank's disposal system in going together, and payment for goods is transferred in each seller's account.So generally speaking, the consumer sale flow process of these online payment systems is still traditional.

There is the problem of following 3 aspects in traditional modes of payments like this: the first, one online payment platform will be set up a plurality of accounts, brought the complicacy on the account management; The second, no matter be concerning the buyer, or the seller, all can only do business with limited bank card account, be unfavorable for the interconnection and interflow between the bank; The 3rd, the clearance of fund will be finished by trade company's fund and the individual fund two-layer clearance of giving out money according to a certain proportion, and can't realize that also individual fund arrives the requirement of account fast.

Summary of the invention

In view of the above problems, the present invention aims to provide the good and transaction funds of interconnectivity between a kind of transaction account management convenience height, the bank to account data handling system and the data processing method thereof in the internet C 2C consumption service fast.

The data handling system of the internet C 2C consumption service of first aspect present invention is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Possess: receiving system, internet switching clearance disposal system, buyer module and the seller module that keeps accounts of entering an item of expenditure in the accounts,

Wherein, above-mentioned receiving system is used to accept the buyer's Payment Request data, and above-mentioned Payment Request data are sent to above-mentioned internet switching clearance disposal system,

The above-mentioned buyer module of entering an item of expenditure in the accounts is used for receiving the request msg and will replying of the above-mentioned request msg of withholing be back to the switching of above-mentioned internet and clear disposal system of withholing corresponding to above-mentioned Payment Request data from above-mentioned internet switching clearance disposal system,

The above-mentioned seller module that keeps accounts is used for receiving payment request data corresponding to the above-mentioned request msg of withholing from above-mentioned internet switching clearance disposal system, and replying of above-mentioned payment request data is back to internet business mechanism of above-mentioned bank,

Above-mentioned internet switching clearance treatment system will send to corresponding to the above-mentioned request data of withholing of above-mentioned payment request data the above-mentioned buyer module of entering an item of expenditure in the accounts after receiving above-mentioned payment request data from above-mentioned receiving system; When the module of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request data of withholing; Organize payment request; Above-mentioned payment request data are sent to seller's module that keeps accounts; After the module that keeps accounts from the above-mentioned seller is received replying of above-mentioned payment request data; Organize and successfully pay response message and return to receiving system

The above-mentioned buyer module of entering an item of expenditure in the accounts is that the virtual account bank of deposit module and the above-mentioned seller keep accounts module also for virtual account bank of deposit module.

Wherein, send to the above-mentioned buyer from above-mentioned internet switching clearance disposal system and enter an item of expenditure in the accounts and comprise buyer's account information the above-mentioned request msg of withholing of module,

Sending to the above-mentioned seller from above-mentioned internet switching clearance disposal system keeps accounts and comprises vendor account information the above-mentioned payment request data of module.

Wherein, above-mentioned receiving system is the gateway in the internet.

The data processing method of the internet C 2C consumption service of first aspect present invention, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method keeps accounts and realizes data processing in the system of module possessing enter an item of expenditure in the accounts module and the seller of receiving system, internet switching clearance disposal system, the buyer, the above-mentioned buyer module of entering an item of expenditure in the accounts is that the virtual account bank of deposit module and the above-mentioned seller module that keeps accounts is virtual for account bank of deposit module, it is characterized in that possessing following steps:

Above-mentioned receiving system is accepted the Payment Request step of the buyer's Payment Request data;

By above-mentioned internet switching clearance disposal system with above-mentioned Payment Request data-switching become to withhold request msg and send to the enter an item of expenditure in the accounts request step of withholing of module of the above-mentioned buyer;

The above-mentioned buyer enters an item of expenditure in the accounts and after module is received the above-mentioned request msg of withholing replying of the above-mentioned request msg of withholing is back to the request-reply step of withholing that disposal system is cleared in the switching of above-mentioned internet;

When the replying of the above-mentioned request msg of withholing, organize payment request by above-mentioned internet switching clearance disposal system, and above-mentioned payment request data are sent to the keep accounts payment request step of module of the seller;

The above-mentioned seller keeps accounts and after module is received above-mentioned payment request data replying of payment request is sent the payment request step that disposal system is cleared in the internet switching;

Above-mentioned internet switching clearance disposal system is received to organize after the replying of above-mentioned payment request data and is successfully paid the payment successful respond step that response message returns to above-mentioned receiving system.

Wherein, in the above-mentioned request step of withholing, comprise buyer's account information in the above-mentioned request msg of withholing, in the above-mentioned payment request step, comprise vendor account information in the above-mentioned payment request data.

Wherein, further possess after above-mentioned payment successful respond step: step is successfully pointed out in the payment to buyer's present the bill for payment success.

Utilize the data handling system or the method for the internet C 2C consumption service of the invention described above first aspect, by transaction being split as the enter an item of expenditure in the accounts transaction and the such combination of transaction that keeps accounts, accounts information with the buyer and the seller all directly is reflected in the on-line transaction processing message so on the one hand, and non-traditional side's information, realized the fund flow of personal account, therefore solved the individual problem that can't set up public account to personal account.

On this basis, further,, therefore can finish direct clearance to the personal account level because transaction each side has all obtained the buyer and the seller's accounts information by online message data, the fund real-time that also realized arrives account.

The data handling system of the internet C 2C consumption service of second aspect present invention is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Possess: receiving system, internet switching clearance disposal system, bank card information exchange mechanism, buyer module and the seller module that keeps accounts of entering an item of expenditure in the accounts,

Above-mentioned internet switching clearance disposal system is used for carrying out interface conversion between above-mentioned receiving system and above-mentioned bank card information exchange mechanism handles,

The above-mentioned buyer module of entering an item of expenditure in the accounts is used for receiving the request msg and replying of the above-mentioned request msg of withholing be back to above-mentioned bank card information exchange mechanism of withholing corresponding to above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system from above-mentioned bank card information exchange mechanism

The above-mentioned seller module that keeps accounts is used for receiving payment request data corresponding to the above-mentioned request msg of withholing from above-mentioned bank card information exchange mechanism, and replying of above-mentioned payment request data is back to above-mentioned bank card information exchange mechanism,

Above-mentioned bank card information exchange mechanism will send to the above-mentioned buyer module of entering an item of expenditure in the accounts corresponding to the above-mentioned request msg of withholing of above-mentioned Payment Request data after receiving above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system, when the module of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request msg of withholing, organize payment request, above-mentioned payment request data are sent to seller's module that keeps accounts, after the module that keeps accounts from the above-mentioned seller is received replying of above-mentioned payment request data, organize and successfully pay response message and return to above-mentioned receiving system by above-mentioned internet switching clearance disposal system

The above-mentioned buyer module of entering an item of expenditure in the accounts is a bank card account bank of deposit module, and the above-mentioned seller module that keeps accounts is a bank card account bank of deposit module.

Wherein, send to the above-mentioned buyer from above-mentioned bank card information exchange mechanism and enter an item of expenditure in the accounts and comprise buyer's account information the above-mentioned request msg of withholing of module, from above-mentioned bank card information exchange mechanism sends to the above-mentioned payment request data of above-mentioned selling bank card account bank of deposit module, comprise vendor account information.

Wherein, above-mentioned receiving system is the gateway in the internet.

The data processing method of the internet C 2C consumption service of second aspect present invention, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method keeps accounts and realizes data processing in the system of module having enter an item of expenditure in the accounts module and the seller of receiving system, internet switching clearance disposal system, bank card information exchange mechanism, the buyer, the above-mentioned buyer module of entering an item of expenditure in the accounts is that the bank card account bank of deposit module and the above-mentioned seller module that keeps accounts is a bank card account bank of deposit module, it is characterized in that possessing following steps:

Accept the Payment Request step of the buyer's Payment Request data by above-mentioned receiving system;

Above-mentioned Payment Request is carried out first switch process of interface conversion by above-mentioned internet switching clearance disposal system;

By above-mentioned bank card information exchange mechanism will be after interface changes above-mentioned Payment Request data-switching become to withhold request msg and send to the enter an item of expenditure in the accounts request step of withholing of module of the above-mentioned buyer;

The above-mentioned buyer module of entering an item of expenditure in the accounts is received the request-reply step of withholing that replying of the above-mentioned request msg of withholing is back to after the above-mentioned request msg of withholing above-mentioned bank card information exchange mechanism;

Above-mentioned bank card information exchange mechanism is organized payment request, and above-mentioned payment request data is sent to the payment request step of selling bank card account bank of deposit module when receiving the replying of the above-mentioned request msg of withholing;

Above-mentioned selling bank card account bank of deposit module is received after the above-mentioned payment request data payment request step that sends above-mentioned bank card information exchange mechanism of replying with payment request;

Above-mentioned bank card information exchange mechanism is received to organize after the replying of above-mentioned payment request data and is successfully paid the payment successful respond step that response message returns to above-mentioned internet switching clearance disposal system;

The above-mentioned payment response message that above-mentioned internet switching clearance disposal system will be received carries out returning to after the interface conversion second switch process of above-mentioned receiving system.

Wherein, in the above-mentioned request step of withholing, comprise buyer's account information in the above-mentioned request msg of withholing,

In the above-mentioned payment request step, comprise vendor account information in the above-mentioned payment request data.

Wherein, further possess after above-mentioned second switch process: step is successfully pointed out in the payment to buyer's present the bill for payment success.

The data handling system of the internet C 2C consumption service of third aspect present invention is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Above-mentioned internet switching clearance disposal system is used for handling and being used for entering an item of expenditure in the accounts the above-mentioned buyer and carrying out interface conversion between module and the above-mentioned bank card information exchange mechanism and handle carrying out interface conversion between above-mentioned receiving system and the above-mentioned bank card information exchange mechanism,

The above-mentioned buyer enter an item of expenditure in the accounts module be used for by above-mentioned internet switching clearance disposal system, above-mentioned bank card information exchange mechanism and above-mentioned internet switching clearance disposal system receive corresponding to above-mentioned Payment Request data withhold request msg and will the above-mentioned request msg of withholing reply and clear disposal system by the switching of above-mentioned internet and be back to above-mentioned bank card information exchange mechanism

Above-mentioned bank card information exchange mechanism will send to the above-mentioned buyer module of entering an item of expenditure in the accounts by above-mentioned internet switching clearance disposal system corresponding to above-mentioned Payment Request data the above-mentioned request msg of withholing after receiving above-mentioned Payment Request data by internet switching clearance disposal system from above-mentioned receiving system, when the module of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request msg of withholing, organize payment request, above-mentioned payment request data are sent to seller's module that keeps accounts, after the module that keeps accounts from the above-mentioned seller is received replying of above-mentioned payment request data, organize and successfully pay response message and return to above-mentioned receiving system by above-mentioned internet switching clearance disposal system

The above-mentioned buyer module of entering an item of expenditure in the accounts is a virtual account bank of deposit module, and the above-mentioned seller module that keeps accounts is a bank card account bank of deposit module.

Wherein, comprise buyer's account information in the above-mentioned request msg of withholing, comprise vendor account information in the above-mentioned payment request data.

Wherein, above-mentioned receiving system is the gateway in the internet.

The data processing method of the internet C 2C consumption service of third aspect present invention, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method keeps accounts and realizes data processing in the system of module having enter an item of expenditure in the accounts module and the seller of receiving system, internet switching clearance disposal system, bank card information exchange mechanism, the buyer, the above-mentioned buyer module of entering an item of expenditure in the accounts is that the virtual account bank of deposit module and the above-mentioned seller module that keeps accounts is a bank card account bank of deposit module, it is characterized in that possessing following steps:

Above-mentioned Payment Request is carried out sending to after the interface conversion first switch process of above-mentioned bank card information exchange mechanism by last internet switching clearance disposal system;

By above-mentioned bank card information exchange mechanism will be after interface conversion above-mentioned Payment Request data-switching become to withhold request msg and send to the request step of withholing of internet switching clearance disposal system;

By above-mentioned internet switching clearance disposal system the above-mentioned request msg of withholing is carried out sending to after the interface conversion enter an item of expenditure in the accounts second switch process of module of the above-mentioned buyer;

Replying of the above-mentioned request msg of withholing carried out sending to after the interface conversion the 3rd switch process of above-mentioned bank card information exchange mechanism by above-mentioned internet switching clearance disposal system;

Above-mentioned bank card information exchange mechanism is organized payment request when receiving the replying of the above-mentioned request msg of withholing, and above-mentioned payment request data is sent to the payment request step of selling bank credit module;

The above-mentioned seller module that keeps accounts is received after the above-mentioned payment request data the payment request response steps that sends above-mentioned bank card information exchange mechanism of replying with payment request;

Above-mentioned bank card information exchange mechanism is organized after receiving the replying of above-mentioned payment request data and is successfully paid the payment successful respond step that response message returns to above-mentioned internet switching clearance disposal system;

The above-mentioned payment response message that above-mentioned internet switching clearance disposal system will be received carries out returning to after the interface conversion the 4th switch process of above-mentioned receiving system.

Wherein, further possess after above-mentioned the 4th switch process: step is successfully pointed out in the payment to buyer's present the bill for payment success.

The data handling system of the internet C 2C consumption service of fourth aspect present invention is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Above-mentioned internet switching clearance disposal system is used for carrying out interface conversion between above-mentioned receiving system and above-mentioned bank card information exchange mechanism handles and is used for keeping accounts above-mentioned bank card information exchange mechanism and the above-mentioned seller and carries out interface conversion between the module and handle,

The above-mentioned buyer module of entering an item of expenditure in the accounts is used for receiving the request msg and replying of the above-mentioned request msg of withholing be back to above-mentioned bank card information exchange mechanism of withholing corresponding to above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system, above-mentioned bank card information exchange mechanism

The above-mentioned seller module that keeps accounts is used for receiving payment request data corresponding to the above-mentioned request msg of withholing from above-mentioned bank card information exchange mechanism by above-mentioned internet switching clearance disposal system, and replying by above-mentioned internet switching clearance disposal system of above-mentioned payment request data is back to above-mentioned bank card information exchange mechanism

Above-mentioned bank card information exchange mechanism will send to the above-mentioned buyer module of entering an item of expenditure in the accounts corresponding to the above-mentioned request msg of withholing of above-mentioned Payment Request data after receiving above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system from above-mentioned receiving system, when the module of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request msg of withholing, organize payment request, above-mentioned payment request data are sent to seller's module that keeps accounts by above-mentioned internet switching clearance disposal system, after the module that keeps accounts from the above-mentioned seller by above-mentioned internet switching clearance disposal system is received replying of above-mentioned payment request data, organize and successfully pay response message and return to above-mentioned receiving system by above-mentioned internet switching clearance disposal system

The above-mentioned buyer module of entering an item of expenditure in the accounts is a bank card account bank of deposit module, and the above-mentioned seller module that keeps accounts is a virtual account bank of deposit module.

Wherein, above-mentioned receiving system is the gateway in the internet.

The data processing method of the internet C 2C consumption service of fourth aspect present invention, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method keeps accounts and realizes data processing in the system of module having enter an item of expenditure in the accounts module and the seller of receiving system, internet switching clearance disposal system, bank card information exchange mechanism, the buyer, the above-mentioned buyer module of entering an item of expenditure in the accounts is that the bank card account bank of deposit module and the above-mentioned seller module that keeps accounts is a virtual account bank of deposit module, it is characterized in that possessing following steps:

Above-mentioned Payment Request is carried out sending to after the interface conversion first switch process of above-mentioned bank card information exchange mechanism by above-mentioned internet switching clearance disposal system;

Above-mentioned bank card information exchange mechanism is organized payment request when receiving the replying of the above-mentioned request msg of withholing, and above-mentioned payment request data is sent to the payment request step of above-mentioned internet switching clearance disposal system;

Above-mentioned internet switching clearance disposal system payment request data on receiving are carried out interface conversion and are sent to keep accounts the 3rd switch process of module of the above-mentioned seller;

The above-mentioned seller keeps accounts and after module is received above-mentioned payment request data replying of payment request is back to the payment request response steps that disposal system is cleared in the switching of above-mentioned internet;

Above-mentioned internet switching clearance disposal system the replying laggard line interface conversion and send to the 4th switch process of above-mentioned bank card information exchange mechanism of payment request data on receiving;

Utilize the data handling system or the method for the internet C 2C consumption service of the invention described above the first～four aspect, not only can realize the fund flow of personal account to personal account, solved the individual problem that can't set up public account, and, can support multiple payment copolymerization, comprise bank card and virtual account, expanded the popularity of using.

Description of drawings

Fig. 1 is the transaction flow synoptic diagram of the general consumer sale of expression.

Fig. 2 is the structural representation of data handling system of the internet C 2C consumption service of expression first embodiment of the invention.

Fig. 3 is the structural representation of data handling system of the internet C 2C consumption service of expression second embodiment of the invention.

Fig. 4 is the structural representation of data handling system of the internet C 2C consumption service of expression third embodiment of the invention.

Fig. 5 is the structural representation of data handling system of the internet C 2C consumption service of expression four embodiment of the invention.

Embodiment

First embodiment

As shown in Figure 2, the data handling system of the internet C 2C consumption service of present embodiment comprises: receiving system 100, internet switching clearance disposal system is CUPSecure 200, buyer module 300 and the seller module 400 that keeps accounts of entering an item of expenditure in the accounts.

Here, receiving system 100 is meant the gateway of the on-line shop that the online individual or the seller of trade company open, and it is used to accept the buyer's Payment Request data, and above-mentioned Payment Request data are sent to internet switching clearance disposal system 200.

Internet switching clearance disposal system 200 will send to the above-mentioned buyer module 300 of entering an item of expenditure in the accounts corresponding to the request msg of withholing of Payment Request data after receiving the Payment Request data from receiving system 100, when the mould 300 of entering an item of expenditure in the accounts from the buyer is received replying of the request msg of withholing, organize payment request, the payment request data are sent to seller's module 400 that keeps accounts, after the module 400 that keeps accounts from the seller is received replying of payment request data, organize and successfully pay response message and return to receiving system 100.

The buyer enters an item of expenditure in the accounts module 300 in the present embodiment for virtual account bank of deposit module (side of entering an item of expenditure in the accounts), and it is used for being back to internet switching clearance disposal system 200 from withhold request msg and the replying of request msg of will withholing that internet switching clearance disposal system 200 receives corresponding to the Payment Request data.

The seller keeps accounts module 400 in the present embodiment for virtual account bank of deposit module (credit side), be used for from the payment request data of internet switching clearance disposal system 200 receptions, and replying of payment request data is back to internet business mechanism of bank 200 corresponding to the request msg of withholing.

Below with reference to Fig. 2 the data handling system of utilizing present embodiment is carried out data processing and realize that the idiographic flow of finishing transaction describes.

At first, buyer's free choice of goods in the on-line shop that opens of the seller on the net, and to carry out paying bank be that receiving system (100) is that gateway sends to CUPSecure 200 (step S1001) with Payment Request;

Then, after CUPSecure200 received the buyer's payment demand, the request of will withholing sent to buyer's module 300 of entering an item of expenditure in the accounts, and the request that is about to withhold sends to the side of entering an item of expenditure in the accounts (step S1002);

Then, buyer's module 300 of entering an item of expenditure in the accounts will be withholdd to reply and be sent to CUPSecure 200 (step S1003);

Then, after CUPSecure200 receives and enters an item of expenditure in the accounts the buyer withholing of module 300 reply, organize the payment request message to send to seller's module 400 that keeps accounts, be about to payment request and send to the side of keeping accounts (step S1004);

Then, seller's module 400 that keeps accounts is replied payment and is sent to CUPSecure 200 (step S1005);

Then, after CUPSecure 200 receives and keeps accounts the seller payment of module 400 replys, organize and successfully pay response message and return to the gateway that receiving system 100 is an on-line shop (step S1006);

At last, on-line shop's gateway is made into this message block successful payment consumption prompting again and is shown to the buyer and checks, finishes transaction thus.

The transaction data treatment scheme of above-mentioned present embodiment and traditional consumption transaction processing flow process shown in Figure 1 are compared and can find, be transaction directly to be transmitted in the traditional consumption transaction processing by transaction adapting system 11, and in the transaction data of present embodiment is handled, the form of directly transmitting is revised fractionation (promptly being divided into the enter an item of expenditure in the accounts transaction and the transaction that keeps accounts) and the combination that becomes transaction.Promptly, in the transaction data of present embodiment is handled, the buyer and the seller's information all directly is reflected in and is connected in the transaction processing message, promptly, one transaction is split as two transaction messages, and a transaction message carries buyer's accounts information, passes to the side of entering an item of expenditure in the accounts and is used for detaining account, and another transaction message carries seller's accounts information, pass to the side of keeping accounts and be used for keeping accounts, and relative therewith, only reflected the buyer's accounts information in the traditional consumption transaction processing shown in Figure 1 and do not have the seller's information.

Illustrated that in this first embodiment the buyer is held in this bright application and the seller is the embodiment of the situation of virtual account bank of deposit, in addition, the present invention can support that also the buyer and the seller are that the situation of bank card bank of deposit and the buyer and the buyer's a side is a bank card bank of deposit and the opposing party is the situation of virtual account bank of deposit.Below will be elaborated for other several situations by the second～four embodiment respectively.

Second embodiment

As shown in Figure 3, the data handling system of the internet C 2C consumption service of present embodiment is by keeping accounts the module 400 except having enter an item of expenditure in the accounts module 300 and the seller of receiving system 100, internet switching clearance disposal system (CUPSecure) 200, the buyer in the same manner with above-mentioned first embodiment, and also further having the bank card information exchange mechanism is CUPS 500.

Wherein, above-mentioned receiving system 100 is used to accept the buyer's Payment Request data, and the Payment Request data are sent to internet switching clearance disposal system 200.

Internet switching clearance disposal system 200 is used for carrying out interface conversion and handles between receiving system 100 and bank card information exchange mechanism 500.

The buyer enters an item of expenditure in the accounts module 300 in the present embodiment for bank card bank of deposit module (side of entering an item of expenditure in the accounts), be used for being back to above-mentioned bank card information exchange mechanism 500 from withhold request msg and the replying of request msg of will withholing that bank card information exchange mechanism 500 receives corresponding to the Payment Request data by internet switching clearance disposal system 200

The seller keeps accounts module 400 in the present embodiment for bank card bank of deposit module (credit side), be used for from the payment request data of above-mentioned bank card information exchange mechanism 500 receptions, and replying of payment request data is back to above-mentioned bank card information exchange mechanism 500 corresponding to the request msg of withholing.

Bank card information exchange mechanism 500 will send to the above-mentioned buyer module 300 of entering an item of expenditure in the accounts corresponding to the request msg of withholing of Payment Request data after receiving the Payment Request data by internet switching clearance disposal system 200, when the module 300 of entering an item of expenditure in the accounts from the buyer is received replying of the request msg of withholing, organize payment request, the payment request data are sent to seller's module 400 that keeps accounts, after the module 400 that keeps accounts from the seller is received replying of above-mentioned payment request data, organize and successfully pay response message and return to receiving system 100 by internet switching clearance disposal system 200.

Below with reference to Fig. 3 the data handling system of utilizing present embodiment is carried out data processing and realize that the idiographic flow of finishing transaction describes.

At first, buyer's free choice of goods in the on-line shop that opens of the seller on the net, and to carry out paying bank be that receiving system 100 sends to CUPSecure 200 (step T1001) by its on-line shop's gateway with Payment Request;

Then, after CUPSecure200 receives the buyer's payment demand, send to CUPS 500 (step T1002);

Then, carry out interface conversion by CUPS 500, will send to buyer's module 300 of entering an item of expenditure in the accounts from the request of withholing of receiving system 100, the request that is about to withhold sends to the side of entering an item of expenditure in the accounts (step T1003);

Then, buyer's module 300 of entering an item of expenditure in the accounts receives that the replying of request msg of will withholing after the request msg of withholing is back to CUPS 500 (step T1004);

Then, CUPS 500 organizes payment request when receiving the replying of the request msg of withholing, and the payment request data are sent to seller's module 400 (step T1005) that keeps accounts;

The seller keeps accounts and after module 400 is received the payment request data replying of payment request is sent to CUPS 500 (step T1006);

Then, CUPS 500 receives to organize after the replying of payment request data and successfully pays response message and return to CUPSecure 200 (step T1007);

The payment response message that CUPSecure 200 will receive carries out returning to receiving system 100 (step T1008) after the interface conversion.

As seen, the buyer and the seller are the user of bank card bank of deposit in this second embodiment.On its structure, compare the system construction of above-mentioned first embodiment, further increased CUPS 500.This be because, CUPSecure 200 can't directly be connected with the bank card credit card issuer by special line, and CUPS does not support internet interface, so, in order to make system of the present invention support bank card, must make CUPS and CUPSecure combine collaborative work.

The 3rd embodiment

As shown in Figure 4, the data handling system of the internet C 2C consumption service of present embodiment is by being that CUPSecure 200, the buyer keep accounts module 400 and the bank card information exchange mechanism of module 300, the seller of entering an item of expenditure in the accounts is CUPS 500 except having receiving system 100, internet switching clearance disposal system in the same manner with above-mentioned second embodiment, difference is, above-mentioned CUPSecure 200 handles except be used for carrying out interface conversion between receiving system 100 and CUPS 500, also is used for entering an item of expenditure in the accounts CUPS 500 and the buyer carrying out interface conversion between the module 300 and handling.In Fig. 4, represent with 2 CUPSecure 200, realize its function, promptly carry out conversion process twice by a module but be actually by a CUPSecure 200 for illustrated convenience.

The buyer enters an item of expenditure in the accounts module 300 in the present embodiment for virtual account bank of deposit module (side of entering an item of expenditure in the accounts), is used for being back to CUPS 500 by withhold request msg and replying by CUPSecure 200 of the request msg of will withholing that CUPSecure 200, CUPS 500 and CUPSecure 200 receive corresponding to the Payment Request data.

The seller keeps accounts module 400 in the present embodiment for bank card bank of deposit module (credit side), and be used for from the payment request data of CUPS 500 receptions, and replying of payment request data is back to CUPS 500 corresponding to the request msg of withholing,

CUPS 500 will send to buyer's module 300 of entering an item of expenditure in the accounts by CUPSecure 200 corresponding to the request msg of withholing of Payment Request data after receiving the Payment Request data by CUPSecure 200 from receiving system 100, when the module 300 of entering an item of expenditure in the accounts from the buyer is received replying of the request msg of withholing, organize payment request, the payment request data are sent to seller's module 400 that keeps accounts, after the module 400 that keeps accounts from the seller is received replying of payment request data, organize and successfully pay response message and return to receiving system 100 by CUPSecure200.

Below with reference to Fig. 4 the data handling system of utilizing present embodiment is carried out data processing and realize that the idiographic flow of finishing transaction describes.

At first, accept the buyer's Payment Request data (step R1001) by receiving system 100;

Then, by CUPSecure 200 Payment Request is carried out sending to CUPS 500 (step R1002) after the interface conversion;

Then, by CUPS 500 will be after interface changes Payment Request data-switching become to withhold request msg and send to CUPSecure 200 (step R1003);

Then, carry out sending to after the interface conversion buyer's module 300 (step R1004) of entering an item of expenditure in the accounts by CUPSecure 200 request msg of will withholing;

Then, buyer's module 300 of entering an item of expenditure in the accounts receives that the replying of request msg of will withholing after the request msg of withholing is back to CUPSecure 200 (step R1005);

Then, undertaken sending to CUPS 500 (step R1006) after the interface conversion by CUPSecure 200 the replying of request msg of will withholing;

Then, CUPS 500 organizes payment request when receiving the replying of the request msg of withholing, and the payment request data are sent to seller's module 400 (step R1007) that keeps accounts;

Then, the seller keeps accounts and after module 400 is received the payment request data replying of payment request is sent CUPS 500 (step R1008);

Then, CUPS 500 organizes after receiving the replying of payment request data and successfully pays response message and return to CUPSecure 200 (step R1009);

Then, the payment response message that will receive of CUPSecure 200 carries out returning to receiving system 100 (step R1010) after the interface conversion.

As seen, be different from the buyer and the buyer in second embodiment and all be capable user's the situation of opening a bank account, the buyer and the seller one side are that the user of bank card bank of deposit, the opposing party are the user of virtual account bank of deposit in this 3rd embodiment.On its structure, compare the system construction of above-mentioned second embodiment, because CUPS 500 do not support internet interface again, (in the present embodiment enter an item of expenditure in the accounts for the buyer module 300) once transferring with CUPSecure 200 before then in needs access of virtual account bank of deposit side.

The 4th embodiment

As shown in Figure 5, the data handling system of the internet C 2C consumption service of present embodiment is by being that CUPSecure 200, the buyer keep accounts module 400 and the bank card information exchange mechanism of module 300, the seller of entering an item of expenditure in the accounts is CUPS 500 except having receiving system 100, internet switching clearance disposal system in the same manner with above-mentioned second embodiment, do not put and be, CUPSecure 200 handles except be used for carrying out interface conversion between receiving system 100 and CUPS 500, also is used for keeping accounts CUPS 500 and the seller carrying out interface conversion between the module 400 and handling.In Fig. 5, represent with 2 CUPSecure 200, realize its function, promptly carry out conversion process twice by a module but be actually by a CUPSecure 200 for illustrated convenience.

The buyer enters an item of expenditure in the accounts module 300 in the present embodiment for bank card account bank of deposit module (side of entering an item of expenditure in the accounts), is used for being back to CUPS 500 by withhold request msg and the replying of request msg of will withholing that CUPSecure 200, CUPS 500 receive corresponding to the Payment Request data.

The seller keeps accounts module 400 in the present embodiment for virtual account bank of deposit module (credit side), it is used for receiving payment request data corresponding to the request msg of withholing by CUPSecure 200 from CUPS 500, and replying by CUPSecure 200 of payment request data is back to CUPS500.

CUPS 500 will send to buyer's module 300 of entering an item of expenditure in the accounts corresponding to the request msg of withholing of Payment Request data after receiving the Payment Request data by CUPSecure 200 from receiving system 100, when the module 300 of entering an item of expenditure in the accounts from the buyer is received replying of the request msg of withholing, organize payment request, the payment request data are sent to seller's module 400 that keeps accounts by CUPSecure 200, after the module 400 that keeps accounts from the seller by CUPSecure 200 is received replying of payment request data, organize and successfully pay response message and return to receiving system 100 by CUPSecure 200.

Below with reference to Fig. 5 the data handling system of utilizing present embodiment is carried out data processing and realize that the idiographic flow of finishing transaction describes.

At first, accept the buyer's Payment Request data (step P1001) by receiving system 100;

Then, by CUPSecure 200 Payment Request is carried out sending to CUPS 500 (step P1002) after the interface conversion;

Then, by CUPS 500 will be after interface changes Payment Request data-switching become to withhold request msg and send buyer's module 300 (step P1003) of entering an item of expenditure in the accounts;

Then, buyer's module 300 of entering an item of expenditure in the accounts receives that the replying of request msg of will withholing after the request msg of withholing is back to CUPS 500 (step P1004);

Then, CUPS 500 organizes payment request, and the payment request data is sent to CUPSecure 200 (step P1005) when receiving the replying of the request msg of withholing;

Then, by CUPSecure 200 the payment request data are carried out sending to after the interface conversion seller's module 400 (step P1006) that keeps accounts;

Then, the seller keeps accounts and after module 400 is received the payment request data replying of payment request is sent to CUPSecure 200 (step P1007);

Then, by CUPSecure 200 with payment request should carry out send to CUPS500 (step P1008) after the interface conversion;

Then, CUPS 500 organizes after receiving the replying of payment request data and successfully pays response message and return to CUPSecure 200 (step P1009);

Then, the payment response message that will receive of CUPSecure 200 carries out returning to receiving system 100 (step P1010) after the interface conversion.

As seen, be different from the buyer and the buyer in second embodiment and all be capable user's the situation of opening a bank account, in this 4th embodiment with the 3rd embodiment similarly, the buyer and the seller one side are that the user of bank card bank of deposit, the opposing party are the user of virtual account bank of deposit.On its structure, compare the system construction of above-mentioned second embodiment, because CUPS 500 do not support internet interface again, (in the present embodiment keep accounts for the seller module 400) once transfers with CUPSecure 200 before again then in needs access of virtual account bank of deposit side.Transferring and clear disposal system in the internet of mentioning in above-mentioned instructions is that CUPSecure, bank card information exchange system are CUPS, can apply for reference to relevant following China:

List of references 1: application number CN200510027897.8 " online safety payment system ";

List of references 2: application number CN200510027896.3 " online safety payment system and internet safe payment method ";

List of references 3: application number CN200510027895.9 " online safety payment system and internet safe payment method ";

List of references 4:CN200510027894.4 " online safety payment system and internet safe payment method ".

More than each embodiment of the present invention is specifically described.Utilize the data handling system and the method thereof of the internet C 2C consumption service of the present patent application, do not need to set up and just can utilize personal account to conclude the business public account, and, the problem that the fund real-time that solves individual's requirement arrives account can be tied.In addition, because the data handling system and the method thereof of the internet C 2C consumption service of the present patent application of the present patent application are not only applicable between the virtual account, also be applicable between the bank card account and between virtual account and the bank card account, therefore, applicable surface is extensive, and is flexible and convenient to use.And, need not banking system is transformed data handling system and the method that just can implement the application too much, be convenient to professional carry out fast and promote.

At last, should be noted that above each embodiment is only in order to technical scheme of the present invention to be described but not limit it.Although the present invention is had been described in detail with reference to above-mentioned embodiment; those of ordinary skill in the art is to be understood that; still can make amendment or the part technical characterictic is equal to replacement the specific embodiment of the present invention; and under the spirit that does not break away from technical scheme of the present invention, it all should be encompassed in the middle of the technical scheme scope that the present invention asks for protection.

Claims

1. the data handling system of an internet C 2C consumption service is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Possess: receiving system (100), internet switching clearance disposal system (200), buyer module (300) and the seller module (400) that keeps accounts of entering an item of expenditure in the accounts,

Wherein, above-mentioned receiving system (100) is used to accept the buyer's Payment Request data, and above-mentioned Payment Request data are sent to above-mentioned internet switching clearance disposal system (200),

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is used for receiving the request msg and will replying of the above-mentioned request msg of withholing be back to the switching of above-mentioned internet and clear disposal system (200) of withholing corresponding to above-mentioned Payment Request data from above-mentioned internet switching clearance disposal system (200)

The above-mentioned seller module (400) that keeps accounts is used for receiving payment request data corresponding to the above-mentioned request msg of withholing from above-mentioned internet switching clearance disposal system (200), and replying of above-mentioned payment request data is back to internet business mechanism of above-mentioned bank (200)

Above-mentioned internet switching clearance disposal system (200) will send to the above-mentioned buyer module (300) of entering an item of expenditure in the accounts corresponding to the above-mentioned request msg of withholing of above-mentioned Payment Request data after receiving above-mentioned Payment Request data from above-mentioned receiving system (100), when the module (300) of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request msg of withholing, organize payment request, above-mentioned payment request data are sent to seller's module (400) that keeps accounts, after the module (400) that keeps accounts from the above-mentioned seller is received replying of above-mentioned payment request data, organize and successfully pay response message and return to receiving system (100)

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts also is virtual account bank of deposit module for virtual account bank of deposit module and the above-mentioned seller module (400) that keeps accounts.

2. the data handling system of internet C 2C consumption service as claimed in claim 1 is characterized in that,

Send to the above-mentioned buyer from above-mentioned internet switching clearance disposal system (200) and enter an item of expenditure in the accounts and comprise buyer's account information the above-mentioned request msg of withholing of module (300),

Sending to the above-mentioned seller from above-mentioned internet switching clearance disposal system (200) keeps accounts and comprises vendor account information the above-mentioned payment request data of module (400).

3. the data handling system of internet C 2C consumption service as claimed in claim 1 is characterized in that,

Above-mentioned receiving system (100) is the gateway in the internet.

4. the data processing method of an internet C 2C consumption service, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method keeps accounts and realizes data processing in the system of module (400) possessing enter an item of expenditure in the accounts module (300) and the seller of receiving system (100), internet switching clearance disposal system (200), the buyer, the above-mentioned buyer module (300) of entering an item of expenditure in the accounts is a virtual account bank of deposit module for virtual account bank of deposit module and the above-mentioned seller module (400) that keeps accounts, it is characterized in that possessing following steps:

Above-mentioned receiving system (100) is accepted the Payment Request step (S1001) of the buyer's Payment Request data;

By above-mentioned internet switching clearance disposal system (200) with above-mentioned Payment Request data-switching become to withhold request msg and send to the enter an item of expenditure in the accounts request step of withholing (S1002) of module (300) of the above-mentioned buyer;

The above-mentioned buyer enters an item of expenditure in the accounts and after module (300) is received the above-mentioned request msg of withholing replying of the above-mentioned request msg of withholing is back to the request-reply step (S1003) of withholing that disposal system (200) is cleared in the switching of above-mentioned internet;

When the replying of the above-mentioned request msg of withholing, be organized into payment request by above-mentioned internet switching clearance disposal system (200), and above-mentioned payment request data are sent to the keep accounts payment request step (S1004) of module (400) of the seller;

The above-mentioned seller keeps accounts and after module (400) is received above-mentioned payment request data replying of payment request is sent the payment request step (S1005) that disposal system (200) is cleared in the internet switching;

Above-mentioned internet switching clearance disposal system (200) is received to organize after the replying of above-mentioned payment request data and is successfully paid the payment successful respond step (S1006) that response message returns to above-mentioned receiving system (100).

5. the data processing method of internet C 2C consumption service as claimed in claim 4 is characterized in that,

In the above-mentioned request step of withholing (S1002), comprise buyer's account information in the above-mentioned request msg of withholing,

In the above-mentioned payment request step (S1004), comprise vendor account information in the above-mentioned payment request data.

6. the data processing method of internet C 2C consumption service as claimed in claim 4 is characterized in that,

Further possess afterwards in above-mentioned payment successful respond step (S1006): step is successfully pointed out in the payment to buyer's present the bill for payment success.

7. the data handling system of an internet C 2C consumption service is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Possess: receiving system (100), internet switching clearance disposal system (200), bank card information exchange mechanism (500), buyer module (300) and the seller module (400) that keeps accounts of entering an item of expenditure in the accounts,

Above-mentioned internet switching clearance disposal system (200) is used for carrying out interface conversion between above-mentioned receiving system (100) and above-mentioned bank card information exchange mechanism (500) handles,

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is used for receiving the request msg and replying of the above-mentioned request msg of withholing be back to above-mentioned bank card information exchange mechanism (500) of withholing corresponding to above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system (200) from above-mentioned bank card information exchange mechanism (500)

The above-mentioned seller module (400) that keeps accounts is used for receiving payment request data corresponding to the above-mentioned request msg of withholing from above-mentioned bank card information exchange mechanism (500), and replying of above-mentioned payment request data is back to above-mentioned bank card information exchange mechanism (500)

Above-mentioned bank card information exchange mechanism (500) will send to the above-mentioned buyer module (300) of entering an item of expenditure in the accounts corresponding to the above-mentioned request msg of withholing of above-mentioned Payment Request data after receiving above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system (200), when the module (300) of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request msg of withholing, organize payment request, above-mentioned payment request data are sent to seller's module (400) that keeps accounts, after the module (400) that keeps accounts from the above-mentioned seller is received replying of above-mentioned payment request data, organize and successfully pay response message and return to above-mentioned receiving system (100) by above-mentioned internet switching clearance disposal system (200)

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is a bank card account bank of deposit module, and the above-mentioned seller module (400) that keeps accounts is a bank card account bank of deposit module.

8. the data handling system of internet C 2C consumption service as claimed in claim 7 is characterized in that,

Send to the above-mentioned buyer from above-mentioned bank card information exchange mechanism (500) and enter an item of expenditure in the accounts and comprise buyer's account information the above-mentioned request msg of withholing of module (300),

Sending to the seller from above-mentioned bank card information exchange mechanism (500) keeps accounts and comprises vendor account information the above-mentioned payment request data of module (400).

9. the data handling system of internet C 2C consumption service as claimed in claim 7 is characterized in that,

Above-mentioned receiving system is the gateway (100) in the internet.

10. the data processing method of an internet C 2C consumption service, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method has receiving system (100), internet switching clearance disposal system (200), bank card information exchange mechanism (500), buyer's module (300) of entering an item of expenditure in the accounts, and the seller keeps accounts and realizes data processing in the system of module (400), the above-mentioned buyer module (300) of entering an item of expenditure in the accounts is a bank card account bank of deposit module for bank card account bank of deposit module and the above-mentioned seller module (400) that keeps accounts, it is characterized in that possessing following steps:

Accept the Payment Request step (T1001) of the buyer's Payment Request data by above-mentioned receiving system (100);

Above-mentioned Payment Request is carried out first switch process (T1002) of interface conversion by above-mentioned internet switching clearance disposal system (200)

By above-mentioned bank card information exchange mechanism (500) will be after interface changes above-mentioned Payment Request data-switching become to withhold request msg and send to the enter an item of expenditure in the accounts request step of withholing (T1003) of module (300) of the above-mentioned buyer;

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is received the request-reply step (T1004) of withholing that replying of the above-mentioned request msg of withholing is back to after the above-mentioned request msg of withholing above-mentioned bank card information exchange mechanism (500);

Above-mentioned bank card information exchange mechanism (500) is organized payment request when receiving the replying of the above-mentioned request msg of withholing, and above-mentioned payment request data are sent to the keep accounts payment request step (T1005) of module (400) of the seller;

The above-mentioned seller module (400) that keeps accounts is received after the above-mentioned payment request data the payment request step (T1006) that sends above-mentioned bank card information exchange mechanism (500) of replying with payment request;

Above-mentioned bank card information exchange mechanism (500) is received to organize after the replying of above-mentioned payment request data and is successfully paid the payment successful respond step (T1007) that response message returns to above-mentioned internet switching clearance disposal system (200);

The above-mentioned payment response message that above-mentioned internet switching clearance disposal system (200) will be received carries out returning to after the interface conversion second switch process (T1008) of above-mentioned receiving system (100).

11. the data processing method of internet C 2C consumption service as claimed in claim 10 is characterized in that,

In the above-mentioned request step of withholing (T1003), comprise buyer's account information in the above-mentioned request msg of withholing,

In the above-mentioned payment request step (T1005), comprise vendor account information in the above-mentioned payment request data.

12. the data processing method of internet C 2C consumption service as claimed in claim 10 is characterized in that,

Further possess afterwards at above-mentioned second switch process (T1008): step is successfully pointed out in the payment to buyer's present the bill for payment success.

13. the data handling system of an internet C 2C consumption service is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Above-mentioned internet switching clearance disposal system (200) is used for handling and being used for entering an item of expenditure in the accounts the above-mentioned buyer and carrying out the interface conversion processing between module (300) and the above-mentioned bank card information exchange mechanism (500) carrying out interface conversion between above-mentioned receiving system (100) and the above-mentioned bank card information exchange mechanism (500)

The above-mentioned buyer enter an item of expenditure in the accounts module (300) be used for by above-mentioned internet switching clearance disposal system (200), above-mentioned bank card information exchange mechanism (500) and above-mentioned internet switching clearance disposal system (200) receive corresponding to above-mentioned Payment Request data withhold request msg and will the above-mentioned request msg of withholing reply and clear disposal system (200) by the switching of above-mentioned internet and be back to above-mentioned bank card information exchange mechanism (500)

Above-mentioned bank card information exchange mechanism (500) will be cleared disposal system (200) by the switching of above-mentioned internet and send to the above-mentioned buyer module (300) of entering an item of expenditure in the accounts after receiving above-mentioned Payment Request data by internet switching clearance disposal system (200) from above-mentioned receiving system (100) corresponding to above-mentioned Payment Request data the above-mentioned request msg of withholing, when the module (300) of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request msg of withholing, organize payment request, above-mentioned payment request data are sent to seller's module (400) that keeps accounts, after the module (400) that keeps accounts from the above-mentioned seller is received replying of above-mentioned payment request data, organize and successfully pay response message and return to above-mentioned receiving system (100) by above-mentioned internet switching clearance disposal system (200)

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is a virtual account bank of deposit module, and the above-mentioned seller module (400) that keeps accounts is a bank card account bank of deposit module.

14. the data processing method of an internet C 2C consumption service, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method has receiving system (100), internet switching clearance disposal system (200), bank card information exchange mechanism (500), buyer's module (300) of entering an item of expenditure in the accounts, and the seller keeps accounts and realizes data processing in the system of module (400), the above-mentioned buyer module (300) of entering an item of expenditure in the accounts is a bank card account bank of deposit module for virtual account bank of deposit module and the above-mentioned seller module (400) that keeps accounts, it is characterized in that possessing following steps:

Accept the Payment Request step (R1001) of the buyer's Payment Request data by above-mentioned receiving system (100);

Above-mentioned Payment Request is carried out sending to after the interface conversion first switch process (R1002) of above-mentioned bank card information exchange mechanism (500) by last internet switching clearance disposal system (200);

By above-mentioned bank card information exchange mechanism (500) will be after interface conversion above-mentioned Payment Request data-switching become to withhold request msg and send to the request step of withholing (R1003) of internet switching clearance disposal system (200);

By above-mentioned internet switching clearance disposal system (200) the above-mentioned request msg of withholing is carried out sending to after the interface conversion enter an item of expenditure in the accounts second switch process (R1004) of module (300) of the above-mentioned buyer;

The above-mentioned buyer enters an item of expenditure in the accounts and after module (300) is received the above-mentioned request msg of withholing replying of the above-mentioned request msg of withholing is back to the request-reply step (R1005) of withholing that disposal system (200) is cleared in the switching of above-mentioned internet;

Replying of the above-mentioned request msg of withholing carried out sending to after the interface conversion the 3rd switch process (R1006) of above-mentioned bank card information exchange mechanism (500) by above-mentioned internet switching clearance disposal system (200);

Above-mentioned bank card information exchange mechanism (500) is organized payment request when receiving the replying of the above-mentioned request msg of withholing, and above-mentioned payment request data is sent to the payment request step (R1007) of selling bank credit module (400);

The above-mentioned seller module (400) that keeps accounts is received after the above-mentioned payment request data the payment request response steps (R1008) that sends above-mentioned bank card information exchange mechanism (500) of replying with payment request;

Above-mentioned bank card information exchange mechanism (500) is organized after receiving the replying of above-mentioned payment request data and is successfully paid the payment successful respond step (R1009) that response message returns to above-mentioned internet switching clearance disposal system (200);

The above-mentioned payment response message that above-mentioned internet switching clearance disposal system (200) will be received carries out returning to after the interface conversion the 4th switch process (R1010) of above-mentioned receiving system (100).

15. the data handling system of an internet C 2C consumption service is used for realizing by the internet between the buyer and the seller it is characterized in that the data processing of relevant consumption service,

Above-mentioned internet switching clearance disposal system (200) is used for carrying out interface conversion and handles and be used for keeping accounts above-mentioned bank card information exchange mechanism (500) and the above-mentioned seller and carry out the interface conversion processing between the module (400) between above-mentioned receiving system (100) and above-mentioned bank card information exchange mechanism (500)

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is used for receiving the request msg and replying of the above-mentioned request msg of withholing be back to above-mentioned bank card information exchange mechanism (500) of withholing corresponding to above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system (200), above-mentioned bank card information exchange mechanism (500)

The above-mentioned seller module (400) that keeps accounts is used for receiving payment request data corresponding to the above-mentioned request msg of withholing from above-mentioned bank card information exchange mechanism (500) by above-mentioned internet switching clearance disposal system (200), and replying by above-mentioned internet switching clearance disposal system (200) of above-mentioned payment request data is back to above-mentioned bank card information exchange mechanism (500)

Above-mentioned bank card information exchange mechanism (500) will send to the above-mentioned buyer module (300) of entering an item of expenditure in the accounts corresponding to the above-mentioned request msg of withholing of above-mentioned Payment Request data after receiving above-mentioned Payment Request data by above-mentioned internet switching clearance disposal system (200) from above-mentioned receiving system (100), when the module (300) of entering an item of expenditure in the accounts from the above-mentioned buyer is received replying of the above-mentioned request msg of withholing, organize payment request, above-mentioned payment request data are sent to seller's module (400) that keeps accounts by above-mentioned internet switching clearance disposal system (200), after the module (400) that keeps accounts from the above-mentioned seller by above-mentioned internet switching clearance disposal system (200) is received replying of above-mentioned payment request data, organize and successfully pay response message and return to above-mentioned receiving system (100) by above-mentioned internet switching clearance disposal system (200)

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is a bank card account bank of deposit module, and the above-mentioned seller module (400) that keeps accounts is a virtual account bank of deposit module.

16. the data processing method of an internet C 2C consumption service, be used between the buyer and the seller, realizing the data processing of relevant consumption service by the internet, this method has receiving system (100), internet switching clearance disposal system (200), bank card information exchange mechanism (500), buyer's module (300) of entering an item of expenditure in the accounts, and the seller keeps accounts and realizes data processing in the system of module (400), the above-mentioned buyer module (300) of entering an item of expenditure in the accounts is a virtual account bank of deposit module for bank card account bank of deposit module and the above-mentioned seller module (400) that keeps accounts, it is characterized in that possessing following steps:

Accept the Payment Request step (P1001) of the buyer's Payment Request data by above-mentioned receiving system (100);

Above-mentioned Payment Request is carried out sending to after the interface conversion first switch process (P1002) of above-mentioned bank card information exchange mechanism (500) by above-mentioned internet switching clearance disposal system (200);

By above-mentioned bank card information exchange mechanism (500) will be after interface changes above-mentioned Payment Request data-switching become to withhold request msg and send to the enter an item of expenditure in the accounts request step of withholing (P1003) of module (300) of the above-mentioned buyer;

The above-mentioned buyer module (300) of entering an item of expenditure in the accounts is received the request-reply step (P1004) of withholing that replying of the above-mentioned request msg of withholing is back to after the above-mentioned request msg of withholing above-mentioned bank card information exchange mechanism (500);

Above-mentioned bank card information exchange mechanism (500) is organized payment request when receiving the replying of the above-mentioned request msg of withholing, and above-mentioned payment request data is sent to the payment request step (P1005) of above-mentioned internet switching clearance disposal system (200);

Above-mentioned internet switching clearance disposal system (200) payment request data on receiving are carried out interface conversion and are sent to keep accounts the 3rd switch process (P1006) of module (400) of the above-mentioned seller;

The above-mentioned seller keeps accounts and after module (400) is received above-mentioned payment request data replying of payment request is back to the payment request response steps (P1007) that disposal system (200) is cleared in the switching of above-mentioned internet;

Above-mentioned internet switching clearance disposal system (200) the replying laggard line interface conversion and send to the 4th switch process (P1008) of above-mentioned bank card information exchange mechanism (500) of payment request data on receiving;

Above-mentioned bank card information exchange mechanism (500) is organized after receiving the replying of above-mentioned payment request data and is successfully paid the payment successful respond step (P1009) that response message returns to above-mentioned internet switching clearance disposal system (200);

The above-mentioned payment response message that above-mentioned internet switching clearance disposal system (200) will be received carries out returning to after the interface conversion the 4th switch process (P1010) of above-mentioned receiving system (100).