CN105389695A - Multi-channel network payment method and system - Google Patents

Multi-channel network payment method and system Download PDF

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Publication number
CN105389695A
CN105389695A CN201510705469.XA CN201510705469A CN105389695A CN 105389695 A CN105389695 A CN 105389695A CN 201510705469 A CN201510705469 A CN 201510705469A CN 105389695 A CN105389695 A CN 105389695A
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China
Prior art keywords
payment
network
network payment
kinds
user
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CN201510705469.XA
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Chinese (zh)
Inventor
王彪
任燕
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Jiangxi Zhangzhong Wuxian Network Technology Co Ltd
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Jiangxi Zhangzhong Wuxian Network Technology Co Ltd
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Priority to CN201510705469.XA priority Critical patent/CN105389695A/en
Publication of CN105389695A publication Critical patent/CN105389695A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Telephonic Communication Services (AREA)

Abstract

The present invention discloses a multi-channel network payment method. The method comprises the following steps that: (1) a consumer user initials a network payment request to a multi-channel network payment system through an APP or a system with a payment service requirement, (2) the multi-channel network payment system receives the network payment request initiated by the consumer user and sends the network payment request to a telecommunications network operator or a third-party payment platform, (3) the telecommunications network operator or the third-party payment platform initiates payment verification to the consumer user, and (4) after the security compliance verification of the telecommunications network operator or the third-party payment platform is passed, a network payment deduction operation is executed. The invention also provides a multi-channel network payment system with the application of the above method. According to the multi-channel network payment method and system, the network payment can be completed through the multi-channel network payment system, the service complexity of the network payment is reduced, and thus the network payment is more convenient and fast.

Description

Method of network payment and system by all kinds of means
Technical field
The present invention relates to internet arena, particularly relate to method of network payment and system by all kinds of means.
Background technology
Along with the fast development of Internet technology, increasing consumer, manufacturer and financial institution use safety in internet is paid means by mails and is carried out network payment or fund flow.Network payment adopts advanced technology to transfer information transmission by digital stream, and its working environment is based on the internet system platform of an opening, and network payment has convenience with conventional payment compared with, fast, and efficient, economic advantage.
At a lot of network payment plateform systems now, docking financial payment channel is more single, often only and the payment platform of single institution dock, limit consumer-user and use network payment way choice scope, have impact on selectivity and convenience that consumer-user uses network payment to a great extent.Therefore, realize by all kinds of means, conveniently network payment be technical matters urgently to be resolved hurrily at present.
Summary of the invention
In view of above-mentioned condition, be necessary to provide a kind of and overcome the problems referred to above or the method for network payment by all kinds of means solved the problem at least in part and system.
One is method of network payment by all kinds of means, comprises the following steps:
Consumer-user is by APP or have the system of payment services demand to network payment system initiation network payment request by all kinds of means;
Network payment system receives the network payment request that consumer-user initiates by all kinds of means, and this network payment request is sent to telecom operators or Third-party payment platform;
Telecom operators or Third-party payment platform receive the network payment request that network payment system by all kinds of means sends;
Telecom operators or Third-party payment platform initiate payment verification to consumer-user, the safe compliance of validation of payment transaction;
Telecom operators or Third-party payment platform, after the safe compliance of payment transaction is verified, performs network payment and to withhold operation.
Described consumer-user is by APP or have the system of payment services demand to carry article of consumption, spending amount and user basic information in the network payment request that payment system is initiated by all kinds of means.
Described user basic information includes but not limited to name, contact method, the payment accounts of user.
The safe compliance of described payment transaction sends note safety verification code by telecom operators or Third-party payment platform to consumer-user and carries out payment verification.
Described execution network payment is withholdd to operate and is automatically carried out expense financial settlement according to billing cycle.
The present invention also proposes one network payment system by all kinds of means, applies above-mentioned method of network payment by all kinds of means, comprising:
Pay request module, be suitable for consumer-user by APP or the system initiation network payment request having payment services demand;
Payment interface module, is coupled with described payment request module, is suitable for receiving network payment request that described payment request module initiates and this network payment request is sent to the concrete payment platform performing network payment;
Pay correction verification module, be coupled with described payment interface module, be suitable for receiving payment request that described payment interface module sends and perform the verification of safety of payment compliance;
Delivery operation module, is coupled with described payment correction verification module, after completing the verification of safety of payment compliance, performs network payment transaction and to withhold operation.
Article of consumption, spending amount and user basic information is carried in the network payment request that described payment request module is initiated.
Described user basic information includes but not limited to name, contact method, the payment accounts of user.
Described payment correction verification module sends note safety verification code by telecom operators or Third-party payment platform to consumer-user and carries out payment verification.
Described delivery operation module execution network payment is withholdd to operate and is automatically carried out expense financial settlement according to billing cycle.
The method of network payment by all kinds of means that the present invention proposes and system can complete network payment by payment system by all kinds of means, docking telecom operators or Third-party payment platform can be unified, unified payment services interface is provided to external system, very big reduction APP or have the business complexity of system docking network payment of payment services demand, makes network payment more convenient.
Accompanying drawing explanation
Fig. 1 shows the process flow diagram of the method for network payment by all kinds of means of first embodiment of the invention.
Fig. 2 shows the process flow diagram of the method for network payment by all kinds of means of second embodiment of the invention.
Fig. 3 shows according to an embodiment of the invention the structural representation of network payment system by all kinds of means.
Embodiment
For the ease of understanding the present invention, below with reference to relevant drawings, the present invention is described more fully.First-selected embodiment of the present invention is given in accompanying drawing.But the present invention can realize in many different forms, is not limited to embodiment described herein.On the contrary, the object of these embodiments is provided to be make to disclosure of the present invention more thoroughly comprehensively.
Refer to Fig. 1, Fig. 1 shows the process flow diagram of the method for network payment by all kinds of means of first embodiment of the invention, comprises the following steps:
S102, consumer-user is by APP or have the system of payment services demand to network payment system initiation network payment request by all kinds of means;
S104, network payment system receives the network payment request that consumer-user initiates by all kinds of means, and this network payment request is sent to telecom operators or Third-party payment platform;
S106, telecom operators or Third-party payment platform receive the network payment request that network payment system by all kinds of means sends;
S108, telecom operators or Third-party payment platform initiate payment verification to consumer-user, the safe compliance of validation of payment transaction;
S110, telecom operators or Third-party payment platform, after the safe compliance of payment transaction is verified, performs network payment and to withhold operation.
In the method for network payment by all kinds of means of above-described embodiment, consumer-user is by APP or have the system of payment services demand to carry article of consumption in the network payment request that payment system is initiated by all kinds of means, spending amount and user basic information, as consumer-user buys clothes by certain shopping APP software in smart mobile phone, when paying to network payment system initiation network payment request by all kinds of means, style containing obligation clothes in request, color etc., the concrete amount of money of consumption is also comprised in request, the name of consumer-user, sex, telephone number, address etc.
This by all kinds of means network payment system receive the network payment request that consumer-user initiates, and this network payment request is sent to telecom operators or Third-party payment platform;
These telecom operators or Third-party payment platform are China Mobile, CHINAUNICOM, China Telecom or Alipay, micro-letter payment platform etc.
This by all kinds of means network payment system can dock with one or more in above-mentioned telecom operators or Third-party payment platform, realize network payment by all kinds of means.
These telecom operators or Third-party payment platform receive the network payment request that network payment system by all kinds of means sends, and telecom operators or Third-party payment platform initiate payment verification to consumer-user subsequently, with the safe compliance of validation of payment transaction;
The safe compliance of this payment transaction sends note safety verification code by telecom operators or Third-party payment platform to consumer-user and carries out payment verification, when consumer-user as certain CHINAUNICOM's mobile phone is paid the bill by certain shopping APP software purchase clothes in smart mobile phone, operator of CHINAUNICOM by correspondence is sent the short message verification code of 6 bit digital to this consumer-user, after user receives this short message verification code, in this shopping APP software, correspondence position inputs this short message verification code and this short message verification code information is sent to operator of CHINAUNICOM, operator of CHINAUNICOM confirms that whether the short message verification code of user's input is correct subsequently, the short message verification code of input correctly then performs behavior of withholing accordingly, operator of CHINAUNICOM withholds by taking off telephone expenses mode, if the short message verification code mistake of input, does not perform the behavior of withholing.Understandable, in other embodiments of the invention, Third-party payment platform is withholdd by the mode of the corresponding amount of money of bank account of deduction user binding.In addition, the operation of withholing of this network payment can also carry out expense financial settlement according to billing cycle, automatically as carried out expense financial settlement to the consumer behavior that user produces within this week or this month weekly or monthly.
Refer to Fig. 2, Fig. 2 shows the process flow diagram of the method for network payment by all kinds of means of second embodiment of the invention, describe the present invention in detail below by this embodiment and carry out the flow process of network payment by network payment system by all kinds of means, the method at least comprises step S202 to step S236:
S202, consumer-user sends the request of payment;
S204, APP or have payment services demand system acceptance pay request;
S206, is sent to payment system by all kinds of means by the payment request of step S204;
S208, payment system accepts the payment request that step S206 sends by all kinds of means;
S210, is sent to telecom operators or Third-party payment platform by the payment request that S208 accepts;
S212, telecom operators or Third-party payment platform receive the request of payment, and initiate the safe compliance verification operation of payment transaction;
S214, telecom operators or Third-party payment platform send payment verification code to user mobile phone;
S216, user is at APP or have in the system of payment services demand and input payment verification code;
S218, APP or the payment verification code having the system receives user of payment services demand to input;
S220, is sent to payment system by all kinds of means by the payment verification code of user's input in step S218;
S222, payment system receives the payment verification code of user's input by all kinds of means;
S224, is sent to telecom operators or Third-party payment platform by the payment verification code of reception;
S226, telecom operators or Third-party payment platform confirm the payment verification code of user's input, perform payment transaction operation;
S228, transaction results is sent to payment platform by all kinds of means by telecom operators or Third-party payment platform;
S230, payment platform receives the payment transaction result of telecom operators or Third-party payment platform by all kinds of means;
S232, payment transaction result is sent to APP or has the system of payment services demand by payment platform by all kinds of means;
S234, APP or have the system acceptance payment transaction result of payment services demand;
S236, APP or have the system of payment services demand by receive payment transaction result feedback to consumer-user.
The present invention also proposes one network payment system by all kinds of means, applies above-mentioned method of network payment by all kinds of means.
Refer to Fig. 3, Fig. 3 shows according to an embodiment of the invention the structural representation of network payment system by all kinds of means, this by all kinds of means network payment system comprise:
Pay request module 10, be suitable for consumer-user by APP or the system initiation network payment request having payment services demand;
Payment interface module 20, is coupled with payment request module 10, is suitable for reception and pays the network payment request of request module 10 initiation and this network payment request be sent to the concrete payment platform performing network payment;
Pay correction verification module 30, be coupled with payment interface module 20, be suitable for the payment request of reception payment interface module 20 transmission and perform the verification of safety of payment compliance;
Delivery operation module 40, is coupled with described payment correction verification module 30, after completing the verification of safety of payment compliance, performs network payment transaction and to withhold operation.
Article of consumption, spending amount and user basic information is carried in the network payment request that this payment request module 10 is initiated.
This user basic information includes but not limited to the name of user, sex, telephone number, address.
This payment correction verification module 30 sends note safety verification code by telecom operators or Third-party payment platform to consumer-user and carries out payment verification.
This delivery operation module 40 perform network payment withhold operation automatically carry out expense financial settlement according to billing cycle.
The method of network payment by all kinds of means that the present invention proposes and system can complete network payment by payment system by all kinds of means, docking telecom operators or Third-party payment platform can be unified, unified payment services interface is provided to external system, very big reduction APP or have the business complexity of system docking network payment of payment services demand, makes network payment more convenient.
The above embodiment only have expressed several embodiment of the present invention, and it describes comparatively concrete and detailed, but therefore can not be interpreted as the restriction to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be as the criterion with claims.

Claims (10)

1. a method of network payment by all kinds of means, is characterized in that, comprise the following steps:
Consumer-user is by APP or have the system of payment services demand to network payment system initiation network payment request by all kinds of means;
Network payment system receives the network payment request that consumer-user initiates by all kinds of means, and this network payment request is sent to telecom operators or Third-party payment platform;
Telecom operators or Third-party payment platform receive the network payment request that network payment system by all kinds of means sends;
Telecom operators or Third-party payment platform initiate payment verification to consumer-user, the safe compliance of validation of payment transaction;
Telecom operators or Third-party payment platform, after the safe compliance of payment transaction is verified, performs network payment and to withhold operation.
2. method of network payment by all kinds of means according to claim 1, it is characterized in that, described consumer-user is by APP or have the system of payment services demand to carry article of consumption, spending amount and user basic information in the network payment request that payment system is initiated by all kinds of means.
3. method of network payment by all kinds of means according to claim 2, is characterized in that, described user basic information includes but not limited to name, contact method, the payment accounts of user.
4. method of network payment by all kinds of means according to claim 1, is characterized in that, the safe compliance of described payment transaction sends note safety verification code by telecom operators or Third-party payment platform to consumer-user and carries out payment verification.
5. method of network payment by all kinds of means according to claim 1, is characterized in that, described execution network payment is withholdd to operate and automatically carried out expense financial settlement according to billing cycle.
6. a network payment system by all kinds of means, is characterized in that, application method of network payment by all kinds of means as claimed in claim 1, comprising:
Pay request module, be suitable for consumer-user by APP or the system initiation network payment request having payment services demand;
Payment interface module, is coupled with described payment request module, is suitable for receiving network payment request that described payment request module initiates and this network payment request is sent to the concrete payment platform performing network payment;
Pay correction verification module, be coupled with described payment interface module, be suitable for receiving payment request that described payment interface module sends and perform the verification of safety of payment compliance;
Delivery operation module, is coupled with described payment correction verification module, after completing the verification of safety of payment compliance, performs network payment transaction and to withhold operation.
7. network payment system by all kinds of means according to claim 6, is characterized in that, carries article of consumption, spending amount and user basic information in the network payment request that described payment request module is initiated.
8. network payment system by all kinds of means according to claim 7, is characterized in that, described user basic information includes but not limited to name, contact method, the payment accounts of user.
9. network payment system by all kinds of means according to claim 6, is characterized in that, described payment correction verification module sends note safety verification code by telecom operators or Third-party payment platform to consumer-user and carries out payment verification.
10. network payment system by all kinds of means according to claim 6, is characterized in that, described delivery operation module execution network payment is withholdd to operate and automatically carried out expense financial settlement according to billing cycle.
CN201510705469.XA 2015-10-27 2015-10-27 Multi-channel network payment method and system Pending CN105389695A (en)

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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105844459A (en) * 2016-03-22 2016-08-10 北京建飞无限科技有限公司 Small-amount phone fee payment method, device and system
CN106022745A (en) * 2016-05-20 2016-10-12 中山市厚源电子科技有限公司 Multi-interface online payment technology
CN106101190A (en) * 2016-05-31 2016-11-09 乐视控股(北京)有限公司 Exchange method between server and system
CN106372886A (en) * 2016-08-29 2017-02-01 深圳市爱贝信息技术有限公司 Distributed payment system, method and device based on payment routing
CN107256482A (en) * 2017-06-09 2017-10-17 深圳市茁壮网络股份有限公司 A kind of method of payment and payment mechanism
CN108074085A (en) * 2017-12-29 2018-05-25 广州品唯软件有限公司 A kind of bill withholds method and apparatus
CN109583867A (en) * 2018-11-30 2019-04-05 银联商务股份有限公司 Channel docking system and method
CN109978520A (en) * 2017-12-28 2019-07-05 南昌弘为企业管理有限公司 Converging network method of payment and system
TWI680413B (en) * 2017-07-18 2019-12-21 兆豐國際商業銀行股份有限公司 Payment system and payment method

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102880959A (en) * 2012-09-18 2013-01-16 汇付天下有限公司 Quick internet payment method and system
CN103414687A (en) * 2013-07-08 2013-11-27 徐蔚 Method for using bar code image to carry out communication, device thereof and wearable part with embedded sensing core engine

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102880959A (en) * 2012-09-18 2013-01-16 汇付天下有限公司 Quick internet payment method and system
CN103414687A (en) * 2013-07-08 2013-11-27 徐蔚 Method for using bar code image to carry out communication, device thereof and wearable part with embedded sensing core engine

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105844459A (en) * 2016-03-22 2016-08-10 北京建飞无限科技有限公司 Small-amount phone fee payment method, device and system
CN105844459B (en) * 2016-03-22 2019-10-11 北京建飞无限科技有限公司 A kind of small amount bill payment method, apparatus and system
CN106022745A (en) * 2016-05-20 2016-10-12 中山市厚源电子科技有限公司 Multi-interface online payment technology
CN106101190A (en) * 2016-05-31 2016-11-09 乐视控股(北京)有限公司 Exchange method between server and system
CN106372886A (en) * 2016-08-29 2017-02-01 深圳市爱贝信息技术有限公司 Distributed payment system, method and device based on payment routing
CN107256482A (en) * 2017-06-09 2017-10-17 深圳市茁壮网络股份有限公司 A kind of method of payment and payment mechanism
TWI680413B (en) * 2017-07-18 2019-12-21 兆豐國際商業銀行股份有限公司 Payment system and payment method
CN109978520A (en) * 2017-12-28 2019-07-05 南昌弘为企业管理有限公司 Converging network method of payment and system
CN108074085A (en) * 2017-12-29 2018-05-25 广州品唯软件有限公司 A kind of bill withholds method and apparatus
CN109583867A (en) * 2018-11-30 2019-04-05 银联商务股份有限公司 Channel docking system and method

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Application publication date: 20160309