CN104702645A - Email based P2P (peer-to-peer) data processing system and data processing method - Google Patents
Email based P2P (peer-to-peer) data processing system and data processing method Download PDFInfo
- Publication number
- CN104702645A CN104702645A CN201310662137.9A CN201310662137A CN104702645A CN 104702645 A CN104702645 A CN 104702645A CN 201310662137 A CN201310662137 A CN 201310662137A CN 104702645 A CN104702645 A CN 104702645A
- Authority
- CN
- China
- Prior art keywords
- account transfer
- account
- transfer
- recipient
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/107—Computer-aided management of electronic mailing [e-mailing]
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/104—Peer-to-peer [P2P] networks
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L41/00—Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks
- H04L41/02—Standardisation; Integration
- H04L41/0246—Exchanging or transporting network management information using the Internet; Embedding network management web servers in network elements; Web-services-based protocols
- H04L41/026—Exchanging or transporting network management information using the Internet; Embedding network management web servers in network elements; Web-services-based protocols using e-messaging for transporting management information, e.g. email, instant messaging or chat
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/104—Peer-to-peer [P2P] networks
- H04L67/1061—Peer-to-peer [P2P] networks using node-based peer discovery mechanisms
- H04L67/1065—Discovery involving distributed pre-established resource-based relationships among peers, e.g. based on distributed hash tables [DHT]
Abstract
The invention relates to an Email based P2P (peer-to-peer) data processing system and a data processing system. The method includes: binding an account transfer initiator email address and an account transfer initiator payment account, and binding an account transfer receiver email address and an account receiver payment account; an account transfer initiator Email client side sending an account transfer notification email to an account transfer receiver Email client side through an email server, and an account initiator Email client side sending an account transfer notification email to a payment server; the payment server sending an account transfer instrument to a third party payment gateway according to the account transfer notification email; the third party payment gateway feeding back an account transfer result to the payment server; the email server sending emails to notify the account transfer initiator Email client side and the account transfer receiver Email client side. With the method, difficulty in account transferring can be simplified, and seamless cross-platform account transferring can be achieved.
Description
Technical field
The present invention relates to a kind of P2P post-processing system based on Email and data processing method, relate to the P2P funds transfer system based on Email and transfer method particularly.
Background technology
In the prior art, as account transfer mode, generally adopt following two kinds of modes.
First kind of way: Web bank transfers accounts.Its transfer process is as follows:
(1) select giro bank and log in bank net;
(2) transfer information key element (comprising the other side's account) is inputted;
(3) confirm to pay.
The shortcoming of Web bank's account transfer is as follows:
(1) bank net service is incompatible, and cross-bank service often needs install multiple client or access multiple network address, versatility extreme difference;
(2) need to carry out repeatedly redirect between payment client terminal, webpage, flow process is loaded down with trivial details;
(3) need the element informations such as input beneficiary card number, payee's name, notice cell-phone number in transfer procedure, easily occur mistake;
(4) operating difficulties on the palm mobile terminals such as smart mobile phone.
The second way: ATM is transferred accounts.Its account transfer flow process is as follows:
(1) ATM in bank checking bank card information;
(2) transfer information key element (comprising the other side's account) is inputted;
(3) confirm to pay.
The shortcoming that ATM is transferred accounts is as follows:
(1) transfer procedure needs to perform on ATM, cannot meet demand of transferring accounts in time;
(2) be limited to ATM distributing position, transportation cost of transferring accounts, time cost are too high, are not suitable for individual and transfer accounts;
(3) need input beneficiary card number information in transfer procedure, easily occur mistake.
summary of the invention
In view of the above problems, the present invention aims to provide a kind of P2P(Peer to Peer based on Email with the feature such as simple, convenient, safe, cross-platform, peer-to-peer network, general referred to as P2P,) data handling system and data processing method, more specifically the present invention aims to provide the P2P funds transfer system based on Email and the transfer method of a kind of mode by installing plug-in unit of transferring accounts in email client Email is possessed P2P transfer services function.
P2P data processing method based on Email of the present invention, is characterized in that, comprise the steps:
Account binding step, initiator's addresses of items of mail of transferring accounts is bound with account transfer initiator payment account, and recipient's addresses of items of mail of transferring accounts is bound with account transfer recipient payment account;
Account transfer memo mail sending step, account transfer initiator Email client is by mail server by account transfer memo mail sending extremely account transfer recipient Email client, and initiator Email client of simultaneously transferring accounts sends account transfer memo mail to paying server;
Transfer instruction forwarding step, paying server sends transfer instruction to according to account transfer memo mail Third-party payment gateway;
Account transfer result feedback step, Third-party payment gateway will transfer accounts result feedback to paying server; And
Account transfer result mail notification step, mail server will transfer accounts result mail notification account transfer initiator's Email client and recipient Email client of transferring accounts.
Preferably, in described account transfer memo mail sending step, account transfer initiator Email client sends account transfer memo mail in close mode of sending to paying server.
Preferably, in described account transfer memo mail sending step, will at least comprise the account transfer memo mail sending of account transfer recipient's addresses of items of mail and transfer amount to account transfer recipient's Email client and paying server.
Preferably, in described transfer instruction forwarding step, the account transfer recipient payment account that paying server is corresponding according to the account transfer recipient addresses of items of mail inquiry comprised in account transfer memo mail, and send transfer instruction according to this payment account to Third-party payment gateway.
P2P data processing method based on Email of the present invention, is characterized in that, comprise the steps:
Account transfer promoter account binding step, initiator's addresses of items of mail of transferring accounts is bound with account transfer initiator payment account;
Account transfer memo mail sending step, account transfer initiator Email client is by mail server by account transfer memo mail sending extremely account transfer recipient Email client, and initiator Email client of simultaneously transferring accounts sends account transfer memo mail to paying server;
Account transfer recipient account binding step, paying server sends account transfer registration mail to account transfer recipient Email client, and account transfer recipient Email client is sent to paying server by mail server accounts information of the binding of the binding relationship represented between account transfer recipient's addresses of items of mail and account transfer recipient payment account being transferred accounts;
Transfer instruction forwarding step, transfer instruction is sent to Third-party payment gateway according to described account transfer accounts information by paying server;
Account transfer result feedback step, Third-party payment gateway will transfer accounts result feedback to paying server; And
Account transfer result mail notification step, mail server will transfer accounts result mail notification account transfer initiator's Email client and recipient Email client of transferring accounts.
Preferably, in described account transfer memo mail sending step, account transfer initiator Email client sends account transfer memo mail in close mode of sending to paying server.
Preferably, in described account transfer memo mail sending step, will at least comprise the account transfer memo mail sending of account transfer recipient's addresses of items of mail and transfer amount to account transfer recipient's Email client and paying server.
Preferably, in described transfer instruction forwarding step, the account transfer recipient payment account that paying server is corresponding according to the account transfer recipient addresses of items of mail inquiry comprised in described account transfer accounts information, and send transfer instruction according to this payment account to Third-party payment gateway.
P2P data handling system based on Email of the present invention, is characterized in that, comprising:
Mail server, for providing mail service;
Account transfer initiator Email client, and can mail transmission/reception be carried out between described mail server, and there is account transfer plug-in unit so that payment instruction can be sent in close mode of sending to paying server;
Account transfer recipient Email client, and can mail transmission/reception be carried out between described mail server;
Paying server, for sending transfer instruction and result feedback of transferring accounts to described mail server according to connecing described payment instruction to following Third-party payment gateway;
Third-party payment gateway, for realizing ta vservice according to transfer instruction.
Preferably, described account transfer plug-in unit possesses:
Mail Clients card module, for managing the client certificate of described paying server;
Mail management module, for delivering to described paying server by close for Mail Contents.
Preferably, described account transfer recipient Email client also has described account transfer plug-in unit.
Preferably, described account transfer initiator Email client sends after utilizing the client certificate of described paying server to sign when paying server sends payment instruction, and it is rear to described Third-party payment gateway transmission transfer instruction that described paying server is decrypted after receiving described payment instruction.
Preferably, described paying server is also for sending account transfer registration mail according to account transfer recipient addresses of items of mail to described account transfer recipient Email client, described account transfer recipient Email client is also sent to mail server for accounts information of the binding of the binding relationship represented between account transfer recipient's addresses of items of mail and account transfer recipient payment account being transferred accounts, and described mail server is also for being sent to described paying server by described account transfer accounts information.
P2P data processing method based on Email of the present invention and the P2P data handling system based on Email of the present invention have following advantage:
Customer group is extensive, and use cost is cheap.Current most of consumer uses Email as media of information, provide using this patent transfer accounts function time, only need load at email client plug-in unit of transferring accounts;
Can seamlessly cross-platform use, PC, panel computer, smart mobile phone all support E-mail receiver/send function, comply with the trend in mobile Internet epoch;
Be simple and easy to use, be applicable to family, office or public arena, indoor or outdoors, static or mobile etc. multiple environment, in drawing model transfer flow process, the side of transferring accounts even without the need to knowing payee account information, enormously simplify difficulty of transferring accounts;
By being combined with electronic bill service, consumer can obtain Electronic Transfer voucher, and querying individual record at any time;
Associated with bank card number by personal email account, can greatly expand without card payment transaction channel.
Accompanying drawing explanation
Fig. 1 is the system construction drawing representing the P2P data handling system based on Email of the present invention.
Fig. 2 is the flow chart of the P2P data processing method based on Email representing first embodiment of the invention.
Fig. 3 is the flow chart of the P2P data processing method based on Email representing second embodiment of the invention.
embodiment
What introduce below is some in multiple embodiment of the present invention, aims to provide basic understanding of the present invention.Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
Fig. 1 is the system construction drawing representing the P2P data handling system based on Email of the present invention.
As shown in Figure 1, P2P data handling system based on Email of the present invention mainly comprises: account transfer initiator Email client 100, account transfer recipient Email client 200, Email server 300(include the general designation of account transfer initiator's Email server and account transfer recipient Email server, hereinafter also referred to as " mail server "), paying server 400, Third-party payment gateway 500.
Mail transmission/reception can be carried out between account transfer initiator Email client 100 and Email server 300, and, P2P account transfer function is completed at the integrated account transfer plug-in unit of account transfer initiator's Email client 100 in order to enable communication tool, thereby, it is possible to make account transfer initiator Email client 100 send payment instruction in close mode of sending to paying server 400.Described account transfer plug-in unit possesses: Mail Clients card module, for managing the client certificate of described paying server; Mail management module, for delivering to described paying server by close for Mail Contents.
Similarly, transfer accounts between recipient Email client 200 and Email server 300 and can carry out mail transmission/reception.Email server (i.e. mail server) 300 is for providing mail service.
The payment instruction that paying server 400 sends for root user to Third-party payment gateway 500 send transfer instruction and result feedback of transferring accounts to Email server 300.Third-party payment gateway 500 is mainly used in as holder provides ta vservice service.
Then, for utilizing the P2P data processing method based on Email realized based on the P2P data handling system of Email to be described.
First, the P2P data processing method based on Email for the first execution mode of the present invention is described.
Fig. 2 is the flow chart of the P2P data processing method based on Email representing first embodiment of the invention.
In the first embodiment, account transfer initiator, need individual Email account number and payment account (comprising debit card number, virtual account number etc.) to set up binding relationship, and also need people Email account number and payment account (comprising debit card number, virtual account number etc.) to set up binding relationship account transfer recipient.
Referring to Fig. 2, the P2P data processing method idiographic flow based on Email of first embodiment of the invention is described.
Step S101: account transfer initiator Email client 100 sends account transfer memo mail by mail server 300 to account transfer recipient Email client 200, meanwhile, account transfer memo mail is sent to paying server 400 in the close mode sent by the account transfer plug-in unit utilizing account transfer initiator Email client 100 to possess.Particularly, the information such as account transfer recipient addresses of items of mail, transfer amount are inputted in account transfer initiator Email client 100, send account transfer memo mail to mail server 300, utilize mail server 300 by the account transfer recipient addresses of items of mail of account transfer memo mail sending to account transfer recipient Email client 200.
Step S102: paying server 400, based on the account transfer memo mail received from account transfer initiator Email client 100, according to the reception account number of account transfer recipient addresses of items of mail inquiry account transfer recipient, sends transfer instruction to Third-party payment gateway 500.
Step S103: after Third-party payment gateway 500 completes payment by the transfer of account flow process, feedback account transfer result is to paying server 400.
Step S104: send account transfer result mail to mail server 300 after paying server 400 receives account transfer result.
Step S105: mail server 300 sends account transfer result circular mail respectively to account transfer initiator Email client 100 and account transfer recipient Email client 200.
Like this, utilize the P2P data processing method based on Email of the invention described above first execution mode, only need to proceed to account transfer plug-in unit at email client, account transfer side even without the need to knowing that payee's account also can complete account transfer, enormously simplify account transfer difficulty.And, can seamlessly cross-platform use, PC, panel computer, smart mobile phone all support E-mail receiver/send function, and these platforms can be utilized can to complete Transferred Account Procedure by sending mail, therefore, there is simple to operate, with low cost, that practicality is high advantage.
Then, the P2P data processing method based on Email for second embodiment of the invention is described.
Fig. 3 is the flow chart of the P2P data processing method based on Email representing second embodiment of the invention.
In this second embodiment, account transfer initiator, need individual Email account number and payment account (comprising debit card number, virtual account number etc.) to set up binding relationship, and transfer accounts recipient people Email account number and payment account (comprising debit card number, virtual account number etc.) do not set up binding relationship.
Step S201: account transfer initiator Email client 100 sends account transfer memo mail by mail server 300 to account transfer recipient Email client 200, meanwhile, account transfer memo mail is sent to paying server 400 in the close mode sent by the account transfer plug-in unit utilizing account transfer initiator Email client 100 to possess.Particularly, the information such as account transfer recipient addresses of items of mail, transfer amount are inputted in account transfer initiator Email client 100, send account transfer memo mail to mail server 300, utilize mail server 300 by the account transfer recipient addresses of items of mail of account transfer memo mail sending to account transfer recipient Email client 200.
Step S202: paying server 400, based on the account transfer memo mail received from account transfer initiator Email client 100, sends account transfer registration notification mail to account transfer recipient.
Step S203: account transfer recipient is sent to mail server 300 by account transfer recipient Email client 200 accounts information of the binding of the binding relationship represented between account transfer recipient's addresses of items of mail and account transfer recipient payment account being transferred accounts, mail server 300 accounts information of this binding being transferred accounts again is sent to paying server 400.
Step S204: the transfer instruction of the account transfer recipient payment account comprised, according to the binding relationship of transferring accounts in described account transfer accounts information between recipient's addresses of items of mail and account transfer recipient payment account, is sent to Third-party payment gateway 500 by paying server 400.
Step S205: after Third-party payment gateway 500 completes payment by the transfer of account flow process, feedback account transfer result is to paying server 400.
Step S206: send account transfer result mail to mail server 300 after paying server 400 receives account transfer result.
Step S207: mail server 300 sends account transfer result circular mail respectively to account transfer initiator Email client 100 and account transfer recipient Email client 200.
Like this, utilize the P2P data processing method based on Email of the invention described above second execution mode, only need to proceed to account transfer plug-in unit at email client, account transfer side is even without the need to knowing that payee's account also can complete account transfer, and recipient is also without the need to bound mail address and account number in advance, account transfer difficulty can be simplified like this, and, can seamlessly cross-platform use, PC, panel computer, smart mobile phone all supports E-mail receiver/send function, these platforms can be utilized can to complete Transferred Account Procedure by sending mail, therefore, have simple to operate, with low cost, the advantage that practicality is high.
In sum, the features such as the P2P data handling system based on Email of the present invention and data processing method have simply, convenient, safe, cross-platform, it is the useful supplement to pattern that current existing line is transferred accounts, by constructing a kind of credit payment system based on Email, solving individual subscriber and to transfer accounts the obstructed difficult problem of channel.
Above example mainly describes the P2P data handling system based on Email of the present invention and data processing method.Although be only described some of them the specific embodiment of the present invention, those of ordinary skill in the art should understand, and the present invention can implement with other forms many not departing from its purport and scope.Therefore, the example shown and execution mode are regarded as illustrative and not restrictive, when do not depart from as appended each claim define the present invention spirit and scope, the present invention may contain various amendments and replacement.
Claims (13)
1., based on a P2P data processing method of Email, it is characterized in that, comprise the steps:
Account binding step, initiator's addresses of items of mail of transferring accounts is bound with account transfer initiator payment account, and recipient's addresses of items of mail of transferring accounts is bound with account transfer recipient payment account;
Account transfer memo mail sending step, account transfer initiator Email client is by mail server by account transfer memo mail sending extremely account transfer recipient Email client, and initiator Email client of simultaneously transferring accounts sends account transfer memo mail to paying server;
Transfer instruction forwarding step, paying server sends transfer instruction to according to account transfer memo mail Third-party payment gateway;
Account transfer result feedback step, Third-party payment gateway will transfer accounts result feedback to paying server; And
Account transfer result mail notification step, mail server will transfer accounts result mail notification account transfer initiator's Email client and recipient Email client of transferring accounts.
2. P2P data processing method as claimed in claim 1, is characterized in that,
In described account transfer memo mail sending step, account transfer initiator Email client sends account transfer memo mail in close mode of sending to paying server.
3. P2P data processing method as claimed in claim 2, is characterized in that,
In described account transfer memo mail sending step, will at least comprise the account transfer memo mail sending of account transfer recipient's addresses of items of mail and transfer amount to account transfer recipient's Email client and paying server.
4. P2P data processing method as claimed in claim 3, is characterized in that,
In described transfer instruction forwarding step, the account transfer recipient payment account that paying server is corresponding according to the account transfer recipient addresses of items of mail inquiry comprised in account transfer memo mail, and send transfer instruction according to this payment account to Third-party payment gateway.
5., based on a P2P data processing method of Email, it is characterized in that, comprise the steps:
Account transfer promoter account binding step, initiator's addresses of items of mail of transferring accounts is bound with account transfer initiator payment account;
Account transfer memo mail sending step, account transfer initiator Email client is by mail server by account transfer memo mail sending extremely account transfer recipient Email client, and initiator Email client of simultaneously transferring accounts sends account transfer memo mail to paying server;
Account transfer recipient account binding step, paying server sends account transfer registration mail to account transfer recipient Email client, and account transfer recipient Email client is sent to paying server by mail server accounts information of the binding of the binding relationship represented between account transfer recipient's addresses of items of mail and account transfer recipient payment account being transferred accounts;
Transfer instruction forwarding step, transfer instruction is sent to Third-party payment gateway according to described account transfer accounts information by paying server;
Account transfer result feedback step, Third-party payment gateway will transfer accounts result feedback to paying server; And
Account transfer result mail notification step, mail server will transfer accounts result mail notification account transfer initiator's Email client and recipient Email client of transferring accounts.
6. P2P data processing method as claimed in claim 5, is characterized in that,
In described account transfer memo mail sending step, account transfer initiator Email client sends account transfer memo mail in close mode of sending to paying server.
7. P2P data processing method as claimed in claim 6, is characterized in that,
In described account transfer memo mail sending step, will at least comprise the account transfer memo mail sending of account transfer recipient's addresses of items of mail and transfer amount to account transfer recipient's Email client and paying server.
8. P2P data processing method as claimed in claim 7, is characterized in that,
In described transfer instruction forwarding step, the account transfer recipient payment account that paying server is corresponding according to the account transfer recipient addresses of items of mail inquiry comprised in described account transfer accounts information, and send transfer instruction according to this payment account to Third-party payment gateway.
9., based on a P2P data handling system of Email, it is characterized in that, comprising:
Mail server, for providing mail service;
Account transfer initiator Email client, and can mail transmission/reception be carried out between described mail server and there is account transfer plug-in unit, payment instruction can be sent in close mode of sending to paying server;
Account transfer recipient Email client, and can mail transmission/reception be carried out between described mail server;
Paying server, for sending transfer instruction and result feedback of transferring accounts to described mail server according to connecing described payment instruction to following Third-party payment gateway;
Third-party payment gateway, for realizing ta vservice according to transfer instruction.
10., as claimed in claim 9 based on the P2P data handling system of Email, it is characterized in that,
Described account transfer plug-in unit possesses:
Mail Clients card module, for managing the client certificate of described paying server;
Mail management module, for delivering to described paying server by close for Mail Contents.
11., as claimed in claim 10 based on the P2P data handling system of Email, is characterized in that,
Described account transfer recipient Email client also has described account transfer plug-in unit.
12., as claimed in claim 11 based on the P2P data handling system of Email, is characterized in that,
Described account transfer initiator Email client sends after utilizing the client certificate of described paying server to sign when paying server sends payment instruction,
It is rear to described Third-party payment gateway transmission transfer instruction that described paying server is decrypted after receiving described payment instruction.
13., as claimed in claim 12 based on the P2P data handling system of Email, is characterized in that,
Described paying server also registers mail for sending account transfer according to account transfer recipient addresses of items of mail to described account transfer recipient Email client,
Described account transfer recipient Email client is also sent to mail server for accounts information of the binding of the binding relationship represented between account transfer recipient's addresses of items of mail and account transfer recipient payment account being transferred accounts,
Described mail server is also for being sent to described paying server by described account transfer accounts information.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310662137.9A CN104702645A (en) | 2013-12-10 | 2013-12-10 | Email based P2P (peer-to-peer) data processing system and data processing method |
| PCT/CN2014/091730 WO2015085852A1 (en) | 2013-12-10 | 2014-11-20 | Email-based p2p data processing system and data processing method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310662137.9A CN104702645A (en) | 2013-12-10 | 2013-12-10 | Email based P2P (peer-to-peer) data processing system and data processing method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104702645A true CN104702645A (en) | 2015-06-10 |
Family
ID=53349410
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310662137.9A Pending CN104702645A (en) | 2013-12-10 | 2013-12-10 | Email based P2P (peer-to-peer) data processing system and data processing method |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN104702645A (en) |
| WO (1) | WO2015085852A1 (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105787714A (en) * | 2016-03-18 | 2016-07-20 | 联想(北京)有限公司 | A method and system for transferring accounts between payment applications |
| CN107274164A (en) * | 2017-05-24 | 2017-10-20 | 西安欧亿信息技术有限公司 | A kind of fusion fund transfer system of third party's mobile payment by all kinds of means and its method |
| CN107886304A (en) * | 2012-12-27 | 2018-04-06 | 谷歌有限责任公司 | Management to the Email comprising payment |
| CN109756418A (en) * | 2019-01-30 | 2019-05-14 | 张海旻 | It is a kind of to merge the e-mail system of currency agreement, mail sending, receiving method |
| CN111756619A (en) * | 2020-06-24 | 2020-10-09 | 上海风汇网络科技有限公司 | Value transmission method based on e-mail and value transmission cluster system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1734484A (en) * | 2004-08-12 | 2006-02-15 | 华为技术有限公司 | Network bank system and method by means of e-mail to pay |
| CN101950451A (en) * | 2010-08-19 | 2011-01-19 | 中国民生银行股份有限公司 | Method and system for processing collection and payment among bank accounts |
| US20130077777A1 (en) * | 2011-09-22 | 2013-03-28 | Panasonic Corporation | Input/output apparatus and communication terminal |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20090129396A1 (en) * | 2007-11-19 | 2009-05-21 | Research In Motion Limited | System and Method for Processing Settlement Information in a Network Environment Including IMS |
| CN101576983A (en) * | 2009-06-16 | 2009-11-11 | 深圳市星龙基电子技术有限公司 | Electronic payment method and system based on mobile terminal |
-
2013
- 2013-12-10 CN CN201310662137.9A patent/CN104702645A/en active Pending
-
2014
- 2014-11-20 WO PCT/CN2014/091730 patent/WO2015085852A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1734484A (en) * | 2004-08-12 | 2006-02-15 | 华为技术有限公司 | Network bank system and method by means of e-mail to pay |
| CN101950451A (en) * | 2010-08-19 | 2011-01-19 | 中国民生银行股份有限公司 | Method and system for processing collection and payment among bank accounts |
| US20130077777A1 (en) * | 2011-09-22 | 2013-03-28 | Panasonic Corporation | Input/output apparatus and communication terminal |
Non-Patent Citations (1)
| Title |
|---|
| 王鑫: "用电子邮箱转账？网络支付门槛真的越降越低", 《腾讯科技》 * |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107886304A (en) * | 2012-12-27 | 2018-04-06 | 谷歌有限责任公司 | Management to the Email comprising payment |
| CN107886304B (en) * | 2012-12-27 | 2019-08-02 | 谷歌有限责任公司 | Management to the Email comprising payment |
| CN105787714A (en) * | 2016-03-18 | 2016-07-20 | 联想(北京)有限公司 | A method and system for transferring accounts between payment applications |
| CN107274164A (en) * | 2017-05-24 | 2017-10-20 | 西安欧亿信息技术有限公司 | A kind of fusion fund transfer system of third party's mobile payment by all kinds of means and its method |
| CN109756418A (en) * | 2019-01-30 | 2019-05-14 | 张海旻 | It is a kind of to merge the e-mail system of currency agreement, mail sending, receiving method |
| WO2020155581A1 (en) * | 2019-01-30 | 2020-08-06 | 上海风汇网络科技有限公司 | Electronic mail system fused with currency protocols, mail sending method and mail receiving method |
| CN109756418B (en) * | 2019-01-30 | 2021-11-16 | 上海风汇网络科技有限公司 | E-mail system fusing currency protocol, and mail sending and receiving method |
| CN111756619A (en) * | 2020-06-24 | 2020-10-09 | 上海风汇网络科技有限公司 | Value transmission method based on e-mail and value transmission cluster system |
| WO2021258737A1 (en) * | 2020-06-24 | 2021-12-30 | 上海风汇网络科技有限公司 | Value transmission method and value transmission cluster system based on e-mail |
| CN111756619B (en) * | 2020-06-24 | 2022-12-27 | 上海风汇网络科技有限公司 | Value transmission method based on E-mail and value transmission cluster system |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2015085852A1 (en) | 2015-06-18 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101329800B (en) | Method for processing mobile phones POS consumptive data and mobile phones POS consumption system | |
| KR20160054033A (en) | Mobile remittances/payments | |
| CN104702645A (en) | Email based P2P (peer-to-peer) data processing system and data processing method | |
| CN103782317A (en) | Ad-hoc cash dispensing network | |
| JP6053076B1 (en) | Management system and communication system | |
| CN101645192B (en) | Information processing method, system and mobile terminal | |
| CN100414935C (en) | Method for prompting receiving E-mail | |
| CN103440573A (en) | Sending method and terminal of payment instruction | |
| US20120179620A1 (en) | Method and apparatus for timed mobile delivery of virtual goods and physical goods | |
| JP5675662B2 (en) | Short message payment system | |
| CN103473674A (en) | Mobile payment system based on two-dimensional code | |
| CN104200365A (en) | Writing and paying method for electronic check | |
| CN101841809A (en) | Mobile phone terminal supporting simulated POS transactions and system | |
| CN101923753B (en) | System and method for managing electronic currency | |
| US8892080B2 (en) | Methods and systems of communication interexchange allowing for heterogenous types of communication between heterogenous devices | |
| US20120101943A1 (en) | E-wallet service method based on a waiting screen application | |
| CN101350091A (en) | Client tracking goods-supplying system and method based on mobile communication network | |
| CN104063603A (en) | Semi-self-service dish ordering method and device based on converged communication technology | |
| JP2017073113A (en) | Administration system and communication system | |
| CN104123637B (en) | A kind of to processing method, system and the equipment that object processes | |
| CN102105863A (en) | Methods for mobile phone applications | |
| US9462138B2 (en) | Cellular airtime management | |
| CN101901519B (en) | Method and system for interacting instant information between mobile terminals | |
| CN101477662A (en) | Network payment system, apparatus and method based on USBKEY | |
| CN204314990U (en) | What a kind of standby credit card paid carries cabinet certainly |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20150610 |
|
| RJ01 | Rejection of invention patent application after publication |