CN103886450A - Four-party on-line online shopping payment system and corresponding method - Google Patents
Four-party on-line online shopping payment system and corresponding method Download PDFInfo
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- CN103886450A CN103886450A CN201210563642.3A CN201210563642A CN103886450A CN 103886450 A CN103886450 A CN 103886450A CN 201210563642 A CN201210563642 A CN 201210563642A CN 103886450 A CN103886450 A CN 103886450A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The invention discloses a four-party on-line online shopping payment system and a corresponding method. The method comprises: a user intelligent mobile phone (4), a shopping website (2), an issuing bank (5) and an acquiring bank (6) are respectively connected to a real-time communication server (1) and maintain an on-line state; when a user performs online shopping by use of a networking terminal (3), the real-time communication server (1) establishes a temporary communication group to enable each member in the group to simultaneously receive online shopping order information; and after the user intelligent mobile phone (4) receives the order information, if the user agrees on payment, the user intelligent mobile phone (4) is used to emit confirmation information, and the issuing bank (5) and the acquiring bank (6) carry out the payment on the bank accounts of the user and the shopping website. According to the invention, as long as the user intelligent mobile phone (4) maintains the on-line state, if somebody fakes the identity of the user to simultaneously access the real-time communication server (1), the real-time communication server (1) discovers that instantly and blockades the fake identity immediately so as to ensure that the account of the user is not stolen.
Description
[technical field]
The present invention relates to financial payment technology, particularly relate to a kind of four directions online shopping online payment system and correlation method.
[background technology]
When at present general shopping online pays, be to adopt Credit Card Payments mostly, generally need to input credit card number, the term of validity and some personal informations at shopping website, as long as credit card is not reported lost property to the authorities, and data is correct, issuing bank all can ratify transaction conventionally.But, while checking and approving transaction due to issuing bank, often can only verify above-mentioned limited data, order is discontented ly has an opportunity to take advantage of on foot, steals card main personal information and credit card information by all approach, then utilizes these data to emit to recognize card master to carry out shopping online payment, order card is main to sustain a loss, how to improve the security of shopping online, prevent that unprincipled fellow from committing a crime by shopping online, being one has problem to be solved.
[summary of the invention]
Object of the present invention, being the shopping online payment system and the correlation method that provide a kind of four directions online can provide safe and reliable means of payment, the application paying during for shopping online.
The object of the present invention is achieved like this, adopt so a kind of shopping online payment system, it is characterized in that, described system comprises real-time communication server (1), shopping website (2), access terminals (3), user's smart mobile phone (4), be provided with the issuing bank (5) of user's bank account, be provided with the merchant bank (6) of the bank account of shopping website (2), wherein, user offers disbursement account in real-time communication server (1), this disbursement account is bound at the bank account of issuing bank (5) mutually with user's smart mobile phone (4) and user, user's smart mobile phone (4) is by mobile telephone network (7) access real-time communication server (1), and maintain line states, and, shopping website (2) offers collecting account in real-time communication server (1), this collecting account is bound at the bank account of merchant bank (6) mutually with shopping website (2), shopping website (2) access real-time communication server (1), and maintain line states, issuing bank (5) and merchant bank (6) access respectively real-time communication server (1), and maintain line states, and, when user carries out shopping online, use access terminals (3) to be wired to shopping website (2) by internet (8) and select the project of choosing, shopping website (2) generates order according to the user-selected project of purchasing, and set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, the member of this provisional communication group comprises user's smart mobile phone (4), shopping website (2), issuing bank (5) and merchant bank (6), user confirms according to receiving this sequence information from smart mobile phone (4), then by issuing bank (5) according to this sequence information from user's bank account turn money to shopping website (2) bank account in merchant bank (6), to complete the payment work of this order.
And, for realizing object of the present invention, also adopt a kind of so shopping online payment system method, it is characterized in that, described method comprises that user offers disbursement account in real-time communication server (1), this disbursement account is bound at the bank account of issuing bank (5) mutually with user's smart mobile phone (4) and user, user's smart mobile phone (4) accesses real-time communication server (1) by mobile telephone network (7), and maintains line states; Shopping website (2) access real-time communication server (1), and maintain line states; Issuing bank (5) and merchant bank (6) access respectively real-time communication server (1), and maintain line states; And, when user carries out shopping online, use access terminals (3) to be wired to shopping website (2) by internet (8) and select the project of choosing, and input user's disbursement account data; Shopping website (2) generates order according to the user-selected disbursement account data of purchasing project and input; Shopping website (2) is set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, and this provisional communication group member comprises shopping website (2), user's smart mobile phone (4), issuing bank (5) and merchant bank (6); User's smart mobile phone (4) receives after the information of this order, just uses smart mobile phone (4) to send confirmation by real-time communication server (1) to issuing bank (5) as user agrees to pay; Issuing bank (5) check the information of this order and user's confirmation errorless after, according to sequence information from user the bank account of issuing bank (5) turn money to shopping website (2) bank account in merchant bank (6), then issuing bank (5) returns to payment result by real-time communication server (1) to user's smart mobile phone (4), and merchant bank (6) returns to payment result by real-time communication server (1) to shopping website (2).
So just realize well object of the present invention.
Shopping online payment system and correlation method that four directions of the present invention is online, as long as user's smart mobile phone (4) access real-time communication server (1) also maintains line states, if someone emits the smart mobile phone (4) of recognizing user by all means, but as long as real-time communication server (1) finds that there is common identity and accesses simultaneously, just can affirm that wherein at least one people emits and recognize, just can block immediately disbursement account corresponding to this identity, to guarantee that account can not occur usurps event.
[accompanying drawing explanation]
Fig. 1 is the structural representation key diagram of shopping online payment system of the present invention;
Fig. 2 is the step schematic illustration of shopping online payment system of the present invention.
In figure, device, parts device that identical digitized representation is identical, method step is with marking with the straight line of arrow.Accompanying drawing is schematically, in order to the formation of system of the present invention and the key step of method to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structural representation key diagram of shopping online payment system of the present invention, system shown in Fig. 1 comprises real-time communication server (1), shopping website (2), access terminals (3), user's smart mobile phone (4), be provided with the issuing bank (5) of user's bank account, be provided with the merchant bank (6) of the bank account of shopping website (2), mobile telephone network (7), internet (8), wherein, user offers disbursement account in real-time communication server (1), this disbursement account is bound at the bank account of issuing bank (5) mutually with user's smart mobile phone (4) and user, user's smart mobile phone (4) is by mobile telephone network (7) access real-time communication server (1), and maintain line states, and, shopping website (2) offers collecting account in real-time communication server (1), this collecting account is bound at the bank account of merchant bank (6) mutually with shopping website (2), shopping website (2) access real-time communication server (1), and maintain line states, issuing bank (5) and merchant bank (6) access respectively real-time communication server (1), and maintain line states, and, when user carries out shopping online, use access terminals (3) to be wired to shopping website (2) by internet (8) and select the project of choosing, shopping website (2) generates order according to the user-selected project of purchasing, and set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, the member of this provisional communication group comprises user's smart mobile phone (4), shopping website (2), issuing bank (5) and merchant bank (6), user confirms according to receiving this sequence information from smart mobile phone (4), then by issuing bank (5) according to this sequence information from user's bank account turn money to shopping website (2) bank account in merchant bank (6), to complete the payment work of this order.
In the present invention, there is a part each side that participates in paying all will access real-time communication server (1), comprise: described smart mobile phone (4) is provided with real-time Communication for Power application, smart mobile phone (4) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member; And, described shopping website (2) is provided with real-time Communication for Power application, and shopping website (2) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member; And, described issuing bank (5) is provided with real-time Communication for Power application, and issuing bank (5) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member; And, described merchant bank (6) is provided with real-time Communication for Power application, and merchant bank (6) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member.In this manual, described real-time Communication for Power application is similar to the WhatsApp Messenger formula that WhatsApp Inc. company of the U.S. produces, after this real-time Communication for Power application access real-time communication server (1), just can adopt (online) mode online to intercourse information with the each member of communication group.In addition, in the process paying, the each member of provisional communication group can receive the latest news understanding latest Status about paying immediately by real-time communication server (1), if find any problem, for example shopping website (2) amount overcharged, user just can refuse to confirm, even immediately Cancels Transaction, thereby has ensured user's interests.
In the present invention, described bank account comprises the account of debit card account, credit card account, savings account, check account etc., and when user uses smart mobile phone (4) to carry out shopping online payment, the bill of payment can be charged to this bank account.
Further improvement of the present invention, being that described real-time communication server (1) utilizes the identity of smart mobile phone (4) access mobile telephone network (7) to carry out the identity of authentication intelligent mobile phone (4), is that the relevant information of identity that real-time Communication for Power application by being arranged at smart mobile phone (4) is obtained card smart mobile phone (4) access mobile telephone network (7) is carried out authentication intelligent mobile phone (4) identity.Due to the general identity of verifying mobile phone by SIM card of mobile telephone network (7), it is a kind of quite safe and strict authentication mechanism.Even if having copied SIM card, someone carrys out the pseudo-identity of emitting, as long as there is the mobile phone of common identity in mobile telephone network (7) discovering network simultaneously, will immediately this SIM card identity be piped off, do not allow to use the mobile phone access mobile telephone network (7) of this SIM card identity, allow the normal and puppet person of emitting all can not access mobile telephone network (7), this mechanism has been guaranteed the validity of all access mobile telephone networks (7) person's identity, the present invention utilizes this safe and reliable authentication means, ensures that user's identity can not usurped by people.
Consult Fig. 2, Fig. 2 is the step schematic illustration of shopping online payment system of the present invention, method shown in Fig. 2 comprises that user offers disbursement account in real-time communication server (1), this disbursement account is bound at the bank account of issuing bank (5) mutually with user's smart mobile phone (4) and user, user's smart mobile phone (4) accesses real-time communication server (1) by mobile telephone network (7), and maintains line states; Shopping website (2) access real-time communication server (1), and maintain line states; Issuing bank (5) and merchant bank (6) access respectively real-time communication server (1), and maintain line states; And, when user carries out shopping online, use access terminals (3) to be wired to shopping website (2) by internet (8) and select the project of choosing, and input user's disbursement account data; Shopping website (2) generates order according to the user-selected disbursement account data of purchasing project and input; Shopping website (2) is set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, and this provisional communication group member comprises shopping website (2), user's smart mobile phone (4), issuing bank (5) and merchant bank (6); User's smart mobile phone (4) receives after the information of this order, just uses smart mobile phone (4) to send confirmation by real-time communication server (1) to issuing bank (5) as user agrees to pay; Issuing bank (5) check the information of this order and user's confirmation errorless after, according to sequence information from user the bank account of issuing bank (5) turn money to shopping website (2) bank account in merchant bank (6), then issuing bank (5) returns to payment result by real-time communication server (1) to user's smart mobile phone (4), and merchant bank (6) returns to payment result by real-time communication server (1) to shopping website (2).
Continue to consult Fig. 2, the method shown in Fig. 2 also comprises following A group step, is the step that user does shopping at shopping website (2), and concrete A group step is as follows:
A1. user uses access terminals (3) to be wired to shopping website (2) by internet (8), selects institute's bought item, and inputs user's disbursement account data;
A2. shopping website (2) generates order according to the user-selected disbursement account data of purchasing project and input;
Shopping website (2) is set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, and this provisional communication group member comprises shopping website (2), user's smart mobile phone (4), issuing bank (5) and merchant bank (6);
A3. shopping website (2) sends the information about this order to the each member of this provisional communication group;
A4. user sees sequence information from smart mobile phone (4), just uses smart mobile phone (4) to send confirmation by real-time communication server (1) to issuing bank (5);
A5. issuing bank (5) check the information of this order and user's confirmation errorless after, according to sequence information from user the bank account of issuing bank (5) turn money to shopping website (2) bank account in merchant bank (6);
A6. after turning money and completing, issuing bank (5) returns to payment result by real-time communication server (1) to user's smart mobile phone (4), and merchant bank (6) returns to payment result by real-time communication server (1) to shopping website (2);
A7. shopping website (2) sends to access terminals (3) information of transaction, notifies the relevant purchase transaction of user to complete, and cancels this provisional communication group by real-time communication server (1).
Below described feature of the present invention in detail, although the present invention is illustrated with the above embodiments, the present invention is not limited to this, in the case of not leaving the scope of spirit of the present invention and appended claims, can do multiple change and variation.
Shopping online payment system and correlation method that four directions of the present invention is online, can allow user in the time that net purchase thing pays, be that mobile telephone network (7) sends the information of confirming payment by another approach, even if carry out the access terminals (3) of shopping online by hacker attacks, hacker also cannot employ user's smart mobile phone (4) and confirm to pay, and the bank account that also just cannot successfully usurp user carries out shopping online.Enforcement of the present invention, can thoroughly solve the safety problem running into when current shopping online pays, to all benifits very of user and shopping website (2).
Claims (10)
1. a shopping online payment system, it is characterized in that, described system comprise real-time communication server (1), shopping website (2), access terminals (3), user smart mobile phone (4), be provided with user's bank account issuing bank (5), be provided with the merchant bank (6) of the bank account of shopping website (2), wherein, user's smart mobile phone (4) accesses real-time communication server (1) by mobile telephone network (7), and maintains line states, shopping website (2) access real-time communication server (1), and maintain line states, issuing bank (5) and merchant bank (6) access respectively real-time communication server (1), and maintain line states, and, when user carries out shopping online, use access terminals (3) to be wired to shopping website (2) by internet (8) and select the project of choosing, shopping website (2) generates order according to the user-selected project of purchasing, and set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, the member of this provisional communication group comprises user's smart mobile phone (4), shopping website (2), issuing bank (5) and merchant bank (6), user confirms according to receiving this sequence information from smart mobile phone (4), then by issuing bank (5) according to this sequence information from user's bank account turn money to shopping website (2) bank account in merchant bank (6), to complete the payment work of this order.
2. shopping online payment system as claimed in claim 1, it is characterized in that, described smart mobile phone (4) is provided with real-time Communication for Power application, and smart mobile phone (4) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member.
3. the shopping online payment system as described in claim 1 or 2 any one, it is characterized in that, real-time communication server (1) utilizes the identity of smart mobile phone (4) access mobile telephone network (7) to carry out the identity of authentication intelligent mobile phone (4).
4. shopping online payment system as claimed in claim 1, it is characterized in that, described shopping website (2) is provided with real-time Communication for Power application, and shopping website (2) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member.
5. shopping online payment system as claimed in claim 1, it is characterized in that, described issuing bank (5) is provided with real-time Communication for Power application, and issuing bank (5) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member.
6. shopping online payment system as claimed in claim 1, it is characterized in that, described merchant bank (6) is provided with real-time Communication for Power application, and merchant bank (6) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member.
7. a shopping online payment system method, it is characterized in that, described method comprises that user offers disbursement account in real-time communication server (1), this disbursement account is bound at the bank account of issuing bank (5) mutually with user's smart mobile phone (4) and user, user's smart mobile phone (4) accesses real-time communication server (1) by mobile telephone network (7), and maintains line states; Shopping website (2) access real-time communication server (1), and maintain line states; Issuing bank (5) and merchant bank (6) access respectively real-time communication server (1), and maintain line states; And, when user carries out shopping online, use access terminals (3) to be wired to shopping website (2) by internet (8) and select the project of choosing, and input user's disbursement account data; Shopping website (2) generates order according to the user-selected disbursement account data of purchasing project and input; Shopping website (2) is set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, and this provisional communication group member comprises shopping website (2), user's smart mobile phone (4), issuing bank (5) and merchant bank (6); User's smart mobile phone (4) receives after the information of this order, just uses smart mobile phone (4) to send confirmation by real-time communication server (1) to issuing bank (5) as user agrees to pay; Issuing bank (5) check the information of this order and user's confirmation errorless after, according to sequence information from user the bank account of issuing bank (5) turn money to shopping website (2) bank account in merchant bank (6), then issuing bank (5) returns to payment result by real-time communication server (1) to user's smart mobile phone (4), and merchant bank (6) returns to payment result by real-time communication server (1) to shopping website (2).
8. shopping online payment system method as claimed in claim 7, is characterized in that, described method also comprises following A group step, is the step that user does shopping at shopping website (2), and concrete A group step is as follows:
A1. user uses access terminals (3) to be wired to shopping website (2) by internet (8), selects institute's bought item, and inputs user's disbursement account data;
A2. shopping website (2) generates order according to the user-selected disbursement account data of purchasing project and input;
Shopping website (2) is set up provisional communication group by real-time communication server (1), the each member of Shi Gai provisional communication group can receive the information about this order simultaneously, and this provisional communication group member comprises shopping website (2), user's smart mobile phone (4), issuing bank (5) and merchant bank (6);
A3. shopping website (2) sends the information about this order to the each member of this provisional communication group;
A4. user sees sequence information from smart mobile phone (4), just uses smart mobile phone (4) to send confirmation by real-time communication server (1) to issuing bank (5);
A5. issuing bank (5) check the information of this order and user's confirmation errorless after, according to sequence information from user the bank account of issuing bank (5) turn money to shopping website (2) bank account in merchant bank (6);
A6. after turning money and completing, issuing bank (5) returns to payment result by real-time communication server (1) to user's smart mobile phone (4), and merchant bank (6) returns to payment result by real-time communication server (1) to shopping website (2);
A7. shopping website (2) sends to access terminals (3) information of transaction, notifies the relevant purchase transaction of user to complete, and cancels this provisional communication group by real-time communication server (1).
9. the shopping online payment system method as described in claim 7 or 8 any one, it is characterized in that, described smart mobile phone (4) is provided with real-time Communication for Power application, and smart mobile phone (4) carries out real-time Communication for Power by this real-time Communication for Power application access real-time communication server (1) and described provisional communication group member.
10. the shopping online payment system method as described in claim 7 or 8 any one, it is characterized in that, real-time communication server (1) utilizes the identity of smart mobile phone (4) access mobile telephone network (7) to carry out the identity of authentication intelligent mobile phone (4).
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210563642.3A CN103886450A (en) | 2012-12-21 | 2012-12-21 | Four-party on-line online shopping payment system and corresponding method |
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| CN201210563642.3A CN103886450A (en) | 2012-12-21 | 2012-12-21 | Four-party on-line online shopping payment system and corresponding method |
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| CN103886450A true CN103886450A (en) | 2014-06-25 |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107026815A (en) * | 2016-01-29 | 2017-08-08 | 华为技术有限公司 | A kind of payment transaction processing method, paying server, relevant device and system |
| CN109559194A (en) * | 2018-11-01 | 2019-04-02 | 广东黾车新能源汽车产业有限公司 | A kind of order interactive processing system based on instant messaging |
| CN109690594A (en) * | 2016-07-01 | 2019-04-26 | 万事达卡国际股份有限公司 | Promote the method for payment using instant messaging application program |
| CN110163570A (en) * | 2019-05-17 | 2019-08-23 | 深圳前海微众银行股份有限公司 | A kind of dynamic account method, calculates equipment and storage medium at dynamic account device |
-
2012
- 2012-12-21 CN CN201210563642.3A patent/CN103886450A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107026815A (en) * | 2016-01-29 | 2017-08-08 | 华为技术有限公司 | A kind of payment transaction processing method, paying server, relevant device and system |
| CN107026815B (en) * | 2016-01-29 | 2020-06-09 | 华为技术有限公司 | Payment service processing method, payment server, related equipment and system |
| CN109690594A (en) * | 2016-07-01 | 2019-04-26 | 万事达卡国际股份有限公司 | Promote the method for payment using instant messaging application program |
| CN109559194A (en) * | 2018-11-01 | 2019-04-02 | 广东黾车新能源汽车产业有限公司 | A kind of order interactive processing system based on instant messaging |
| CN110163570A (en) * | 2019-05-17 | 2019-08-23 | 深圳前海微众银行股份有限公司 | A kind of dynamic account method, calculates equipment and storage medium at dynamic account device |
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Application publication date: 20140625 |