CN112837045A - Mobile third-party internet payment system based on internet - Google Patents
Mobile third-party internet payment system based on internet Download PDFInfo
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- CN112837045A CN112837045A CN202110134457.1A CN202110134457A CN112837045A CN 112837045 A CN112837045 A CN 112837045A CN 202110134457 A CN202110134457 A CN 202110134457A CN 112837045 A CN112837045 A CN 112837045A
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- 238000011156 evaluation Methods 0.000 claims abstract description 14
- 230000003993 interaction Effects 0.000 claims abstract description 13
- 238000000034 method Methods 0.000 claims description 7
- 238000012790 confirmation Methods 0.000 claims description 4
- 230000005540 biological transmission Effects 0.000 claims description 3
- 230000002452 interceptive effect Effects 0.000 claims description 3
- 238000004891 communication Methods 0.000 claims description 2
- 230000009286 beneficial effect Effects 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 230000004075 alteration Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 210000001503 joint Anatomy 0.000 description 1
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment 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
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
Abstract
The invention provides a mobile third-party internet payment system based on the internet, and relates to the field of mobile internet finance. The mobile third-party internet payment system based on the internet comprises a user side, a merchant cash register and a third-party payment platform, wherein the user side and the third-party payment platform form an information interaction channel for registering the user side and a first payment protocol of the user side, the merchant cash register and the third-party payment platform form the information interaction channel, the user registers the merchant cash register and carries out a second payment protocol, and the third-party payment platform carries out credit evaluation on the merchant cash register. The payment of a user end (buyer) is directly sent to a merchant cash receiving end after being encrypted through a third party payment platform, the encrypted money collected by the merchant is decrypted through two modes, one mode is that the user end directly sends a password to the merchant for cash collection, and the other mode is that the encryption automatically fails after a period of time.
Description
Technical Field
The invention relates to the field of mobile internet finance, in particular to a mobile third-party internet payment system based on the internet.
Background
The third party payment refers to an independent mechanism with certain strength and credit guarantee, and the network payment mode is realized by the butt joint of the third party payment and the UnionPay or the Internet to facilitate the transaction of both transaction parties.
In the third-party payment mode, after the buyer purchases the commodity, the buyer uses an account provided by a third-party platform to pay the payment (to the third party), and the third party informs the seller that the payment is received and delivery is required; the buyer receives the goods, checks the goods and informs a third party of payment after confirmation; the third party then transfers the money to the seller's account.
The traditional third-party payment system is complex, a buyer cannot timely collect money after paying money, and when the sales volume of a seller is large, the mobile fund of the seller is compressed, so that the modern merchant cannot dominate the fund.
Disclosure of Invention
Technical problem to be solved
Aiming at the defects of the prior art, the invention provides a mobile third-party internet payment system based on the internet, which solves the problems that the traditional third-party payment system is complicated, a seller cannot collect money in time after a buyer pays money, and the mobile fund of the seller is compressed and is not beneficial to the fund governance of modern merchants when the sales volume of the seller is large.
(II) technical scheme
In order to achieve the purpose, the invention is realized by the following technical scheme: a mobile third-party internet payment system based on the internet comprises a user side, a merchant cash register and a third-party payment platform, wherein the user side and the third-party payment platform form an information interaction channel for registering the user side and a first payment protocol of the user side, the merchant cash register and the third-party payment platform form the information interaction channel, the user registers the merchant cash register and carries out a second payment protocol, and the third-party payment platform carries out credit evaluation on the merchant cash register;
a one-way information confirmation channel is formed between the user side and the merchant collection end and is used for the user side to actively decrypt the encrypted money of the merchant collection end, and an information interaction channel is formed between the user side and the merchant collection end and is used for information communication between the user side and the merchant collection end;
after the user selects and purchases the commodity, the payment is sent to the third-party payment platform according to the first payment protocol, the third-party payment platform encrypts the received payment, and the encrypted payment is sent to the merchant collection end according to the second payment protocol.
Preferably, the credit evaluation of the third party payment platform to the merchant is divided into 10 grades, and the third party payment platform partially or completely deposits the encrypted money received by the merchant according to the credit evaluation grade.
Preferably, the third party payment platform calculates and pays the encrypted money received by the merchant in a mode of n/10 times of the encrypted money, wherein n is the credit evaluation level of the merchant.
Preferably, the user side needs to register the user first when in use, and the method comprises the following steps
1) Inputting user information, wherein the third-party payment platform is responsible for verifying basic information of a user;
2) registering to obtain a unique identification code, wherein the identification code is used for unique identification information of user transaction;
3) setting a first payment agreement for signing a payment agreement with a third party platform to ensure the safety of funds;
4) and 4, encryption setting is carried out, and the user encrypts the operation of the user to ensure the safety of funds.
Preferably, the merchant cash register is required to be firstly carried out when the merchant cash register is used, and the method comprises the following steps
1) Inputting user information, wherein the third-party payment platform is responsible for verifying basic information of a user;
2) registering to obtain a unique identification code, wherein the identification code is used for unique identification information of user transaction;
3) setting a second payment protocol for signing the payment protocol with a third party platform to ensure the safety of funds;
4) and 4, encryption setting is carried out, and the user encrypts the operation of the user to ensure the safety of funds.
Preferably, the information interaction channel formed between the user side and the merchant cash receiving side comprises video, voice and text transmission.
Preferably, the interactive channel arranged among the user side, the merchant cash register side and the third-party payment platform is transmitted by means of the internet.
(III) advantageous effects
The invention provides an internet-based mobile third-party internet payment system. The method has the following beneficial effects:
1. in the invention, the third party payment platform encrypts the payment of the user end (buyer) and directly sends the encrypted payment to the merchant payment receiving end, and the encrypted payment collected by the merchant is decrypted in two ways, one way is that the user end directly sends the password to the merchant for payment, and the other way is that the encryption automatically fails after a period of time.
2. According to the invention, the third-party payment platform carries out credit evaluation on the merchant, and partial or all encrypted money can be decrypted according to the credit evaluation, so that the mobile fund of the merchant with better credit is increased, and the rapid development of the e-commerce can be promoted.
Drawings
FIG. 1 is a block diagram of the present invention;
fig. 2 is a block diagram of user registration in accordance with the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The first embodiment is as follows:
as shown in fig. 1-2, an embodiment of the present invention provides an internet-based mobile third-party internet payment system, which includes a user side, a merchant cash register, and a third-party payment platform, where the user side and the third-party payment platform form an information interaction channel for registering the user side and a first payment agreement of the user side, the merchant cash register and the third-party payment platform form an information interaction channel, and the user performs the registering of the merchant cash register and a second payment agreement, where the third-party payment platform needs to confirm basic information and transaction information between the user side and the merchant cash register and retain transaction records, the user side can request the merchant to refund for refund within a specified time, the transaction channel also depends on the third-party payment platform, and the third-party payment platform performs credit evaluation on the merchant cash register, timely reimbursement can be carried out on merchants with good credit, the amount of mobile funds is ensured, and the development of e-commerce enterprises is promoted;
a one-way information confirmation channel is formed between the user side and the merchant collection end and is used for the user side to actively decrypt the encrypted money of the merchant collection end, and by utilizing the channel, the user can directly pay for the trusted merchant;
after the user selects and purchases the commodity, the payment is sent to the third-party payment platform according to the first payment protocol, the third-party payment platform encrypts the accepted payment, the encrypted money is sent to the merchant cash receiving end according to the second payment protocol, and the safety of funds can be guaranteed through the third-party payment platform.
The third-party payment platform is used for carrying out partial or total paying on the encrypted money received by the merchant according to the credit evaluation grade, so that the merchant with high credit grade can develop rapidly.
And the third-party payment platform calculates and pays the encrypted money received by the merchant in a mode of n/10 times of the encrypted money, wherein n is the credit evaluation level of the merchant.
When the user side is used, user registration is required to be firstly carried out, and the method comprises the following steps
1) Inputting user information, wherein the third-party payment platform is responsible for verifying basic information of a user;
2) registering to obtain a unique identification code, wherein the identification code is used for unique identification information of user transaction;
3) setting a first payment agreement for signing a payment agreement with a third party platform to ensure the safety of funds;
4) and 4, encryption setting is carried out, and the user encrypts the operation of the user to ensure the safety of funds.
When the merchant cash register is used, the user registration is firstly required, and the method comprises the following steps
1) Inputting user information, wherein the third-party payment platform is responsible for verifying basic information of a user;
2) registering to obtain a unique identification code, wherein the identification code is used for unique identification information of user transaction;
3) setting a second payment protocol for signing the payment protocol with a third party platform to ensure the safety of funds;
4) and 4, encryption setting is carried out, and the user encrypts the operation of the user to ensure the safety of funds.
The information interaction channel formed between the user side and the merchant collection side comprises video, voice and text transmission.
And the interactive channel arranged among the user side, the merchant cash register side and the third-party payment platform is transmitted by means of the Internet.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (7)
1. The utility model provides a remove third party internet payment system based on internet, includes user, merchant cash register, third party payment platform which characterized in that: the user side and the third-party payment platform form an information interaction channel for registering the user side and a first payment protocol of the user side, the merchant cash register side and the third-party payment platform form the information interaction channel, the user registers the merchant cash register side and carries out a second payment protocol, and the third-party payment platform carries out credit evaluation on the merchant cash register side;
a one-way information confirmation channel is formed between the user side and the merchant collection end and is used for the user side to actively decrypt the encrypted money of the merchant collection end, and an information interaction channel is formed between the user side and the merchant collection end and is used for information communication between the user side and the merchant collection end;
after the user selects and purchases the commodity, the payment is sent to the third-party payment platform according to the first payment protocol, the third-party payment platform encrypts the received payment, and the encrypted payment is sent to the merchant collection end according to the second payment protocol.
2. An internet-based mobile third party internet payment system as recited in claim 1, wherein: the third party payment platform is divided into 10 grades for credit evaluation of the merchant, and the third party payment platform partially or completely deposits the encrypted money received by the merchant according to the credit evaluation grade.
3. An internet-based mobile third party internet payment system as claimed in claim 2 wherein: and the third party payment platform calculates and pays the encrypted money received by the merchant in a mode of n/10 times of the encrypted money, wherein n is the credit evaluation grade of the merchant.
4. An internet-based mobile third party internet payment system as recited in claim 1, wherein: when the user side is used, user registration is firstly required, and the method comprises the following steps
1) Inputting user information, wherein the third-party payment platform is responsible for verifying basic information of a user;
2) registering to obtain a unique identification code, wherein the identification code is used for unique identification information of user transaction;
3) setting a first payment agreement for signing a payment agreement with a third party platform to ensure the safety of funds;
4) and 4, encryption setting is carried out, and the user encrypts the operation of the user to ensure the safety of funds.
5. An internet-based mobile third party internet payment system as recited in claim 1, wherein: when the merchant cash register is used, the user registration is firstly carried out, and the method comprises the following steps
1) Inputting user information, wherein the third-party payment platform is responsible for verifying basic information of a user;
2) registering to obtain a unique identification code, wherein the identification code is used for unique identification information of user transaction;
3) setting a second payment protocol for signing the payment protocol with a third party platform to ensure the safety of funds;
4) and 4, encryption setting is carried out, and the user encrypts the operation of the user to ensure the safety of funds.
6. An internet-based mobile third party internet payment system as recited in claim 1, wherein: the information interaction channel formed between the user side and the merchant collection side comprises video, voice and text transmission.
7. An internet-based mobile third party internet payment system as recited in claim 1, wherein: and interactive channels arranged among the user side, the merchant cash register side and the third-party payment platform are transmitted by means of the Internet.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110134457.1A CN112837045A (en) | 2021-01-30 | 2021-01-30 | Mobile third-party internet payment system based on internet |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110134457.1A CN112837045A (en) | 2021-01-30 | 2021-01-30 | Mobile third-party internet payment system based on internet |
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| CN112837045A true CN112837045A (en) | 2021-05-25 |
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| CN202110134457.1A Pending CN112837045A (en) | 2021-01-30 | 2021-01-30 | Mobile third-party internet payment system based on internet |
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Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1198555A (en) * | 1997-05-04 | 1998-11-11 | 刘明晶 | Network payment system and method |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | Method and system for processing transaction data and payment system |
| CN103077454A (en) * | 2012-11-23 | 2013-05-01 | 雷桂斌 | Synchronous payment system |
| CN103186852A (en) * | 2011-12-31 | 2013-07-03 | 乐活在线（北京）网络技术有限公司 | Payment method, payment device and payment system of networked transaction |
| CN104574047A (en) * | 2015-01-21 | 2015-04-29 | 孙国华 | Financial IC card payment platform based on Internet |
| CN107103460A (en) * | 2017-03-27 | 2017-08-29 | 杭州呯嘭智能技术有限公司 | The quick settlement method of cross-border payment based on credit big data |
| CN109360066A (en) * | 2018-10-25 | 2019-02-19 | 广元量知汇科技有限公司 | B2C e-commerce system Internet-based |
-
2021
- 2021-01-30 CN CN202110134457.1A patent/CN112837045A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1198555A (en) * | 1997-05-04 | 1998-11-11 | 刘明晶 | Network payment system and method |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | Method and system for processing transaction data and payment system |
| CN103186852A (en) * | 2011-12-31 | 2013-07-03 | 乐活在线（北京）网络技术有限公司 | Payment method, payment device and payment system of networked transaction |
| CN103077454A (en) * | 2012-11-23 | 2013-05-01 | 雷桂斌 | Synchronous payment system |
| CN104574047A (en) * | 2015-01-21 | 2015-04-29 | 孙国华 | Financial IC card payment platform based on Internet |
| CN107103460A (en) * | 2017-03-27 | 2017-08-29 | 杭州呯嘭智能技术有限公司 | The quick settlement method of cross-border payment based on credit big data |
| CN109360066A (en) * | 2018-10-25 | 2019-02-19 | 广元量知汇科技有限公司 | B2C e-commerce system Internet-based |
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