WO2011157092A1

WO2011157092A1 - Method, system and home gateway of payment for online transaction

Info

Publication number: WO2011157092A1
Application number: PCT/CN2011/074119
Authority: WO
Inventors: 谷继兵
Original assignee: 中兴通讯股份有限公司
Priority date: 2010-06-17
Filing date: 2011-05-16
Publication date: 2011-12-22
Also published as: CN101894335A

Abstract

A method of payment for an online transaction comprises that: a payment system generates an order information after a transaction request sent by a user side is received, wherein the order information comprises a transaction information and a user information; the payment system transmits the order information to a home gateway corresponding to the user side according to the user information; the home gateway transmits the order information to the user side according to the user information; the payment system receives a confirmation result from the user side through the home gateway after the user confirms the transaction information; the payment system performs the payment operation according to the confirmation result. A system and a home gateway of payment for the online transaction are also provided. The risk of using the network payment mode by users is reduced according to the technical solution provided by the present application.

Description

Payment method, system and home gateway for online transaction

The invention relates to the field of online transaction payment, in particular to a payment method, system and home gateway for online transactions. Background technique

With the rapid development of the Internet and the gradual popularization of e-commerce, more and more people have paid attention to it. The biggest advantage is that: Complete the relevant shopping and payment transactions.

For example, the "e-wallet" ^^ value-added application of the home gateway support platform is a service-level platform-level functional application that provides a safe and convenient payment tool for home users.

For example, using the "Electronic 4 Pack" can:

1) Pay recurring bills: water, electricity, coal, telephone, internet access, mobile phone charges, etc.

2) Pay special bills: road maintenance fees, traffic fines, etc.

3) Shopping online malls: books, gifts, game cards, etc.

4) Wallet recharge through bank and fund card

5) Bank account can be bundled

However, due to the particularity of the network, the existing online transaction payment methods have security risks, such as merchant fraud, account theft and other risks. If you only use the account and password to trade, as long as it is obtained, you can The place uses your account password to trade. This has hindered the development of e-commerce to some extent.

Although there have been numerous security solutions, for example, using certificate registration, trusted website detection, mouse and keyboard, etc. The certificate registration is a certificate file that is applied in advance, and the contents of the certificate are simultaneously sent at the time of the transaction, and the server is based on the user information and the certificate. The mouse and keyboard method means that when the password is entered, the actual keyboard is not used, but the virtual keyboard popped up on the page, and the password is clicked with the mouse.

However, the security of such schemes has not been fundamentally improved, but the technical understanding level of users (users) has been increased, and the complexity of operations has been increased. From the perspective of popularization, it is difficult to promote .

There is currently no effective solution to address the risks of using online payment methods for home users in online transactions. Summary of the invention

The technical problem to be solved by the present invention is to provide a payment method, system and home gateway for online transactions, so as to reduce risks existing in the process of using the network payment method by users.

In order to solve the above problem, the technical solution of the present invention provides a payment method for online transactions, and the method includes:

After receiving the transaction request sent by the user side, the payment system generates order information, and the order information includes transaction information and user information;

The payment system sends the order information to the home gateway corresponding to the user side according to the user information; the home gateway sends the order information to the user side according to the user information;

After the user confirms the transaction information, the payment system receives a confirmation result sent by the user side through the home gateway;

The payment system performs a payment operation based on the confirmation result.

Further, the user information includes a user IP address and a computer name;

Determining, by the payment system, the home gateway corresponding to the user side according to the user IP address;

The home gateway sends the order information to the user side according to a computer name.

Further, the payment system includes a transaction platform and a payment platform; the transaction platform After receiving the transaction request sent by the user side, generating the order information according to the transaction request, and sending the order information to the payment platform;

And the payment platform sends the order information to the home gateway corresponding to the user side, and after receiving the transaction confirmation result sent by the user side through the home gateway, performing a payment operation according to the confirmation result.

Further, the payment platform is connected to the home electronic wallet system;

Before the payment platform sends the order information to the home gateway corresponding to the user side, the method further includes: verifying whether the funds of the home electronic wallet are sufficient, and if the funds are insufficient, to the trading platform and the The user side returns information that the transaction failed.

In order to solve the above problem, the technical solution of the present invention further provides a payment system for online transactions, and the payment system includes:

a transaction platform, configured to receive a transaction request sent by a user side, generate order information according to the transaction request, and send the order information to the payment platform;

a payment platform, configured to send the accepted order information to the home gateway corresponding to the user side, and after receiving the transaction confirmation result sent by the user side through the home gateway, perform payment according to the confirmation result operating.

In order to solve the above problem, the technical solution of the present invention further provides a payment method for online transactions, and the method includes:

The home gateway receives the order information generated by the payment system after receiving the transaction request sent by the user side, where the order information includes transaction information and user information;

The home gateway sends the order information to the user side according to the user information, and the user side confirms the transaction information;

After receiving the confirmation result sent by the user side, the home gateway sends the confirmation result to the payment system, and the payment system performs a payment operation according to the confirmation result.

In order to solve the above technical problem, the technical solution of the present invention further provides a home gateway, the home The court gateway includes:

The first receiving unit receives the order information generated by the payment system after receiving the transaction request sent by the user side, where the order information includes an order number, transaction information, and user information;

The first sending unit sends the order information to the user side according to the user information; and the second receiving unit receives the transaction confirmation result sent by the user side;

The second sending unit sends the transaction confirmation result to the payment system.

The present invention is based on a value-added application of a home gateway and an operator payment platform, and the home gateway is an integral part of the entire payment platform, thereby effectively reducing the risk of users using the network payment method. At the same time, it is a value-added service of the home gateway, which is convenient for operators to promote and can bring benefits to operators. DRAWINGS

1 is a schematic structural diagram of a payment system for online transactions according to an embodiment of the present invention; FIG. 2 is a schematic flowchart of an online transaction payment method according to an embodiment of the present invention; and FIG. 3 is a schematic diagram of another preferred embodiment of the present invention. detailed description

The basic idea of the present invention is: after receiving a transaction request sent by the user side, the payment system generates order information, the order information includes transaction information and user information; according to the user information, the payment system sends the order information to the The home gateway corresponding to the user side; the home gateway sends the order information to the user side according to the user information; after the user confirms the transaction information, the payment system receives the user side pass The confirmation result sent by the home gateway; the payment system performs a payment operation according to the confirmation result.

The invention will be further described in detail below with reference to the drawings and specific embodiments.

1 is a schematic structural diagram of a payment system for online transactions according to an embodiment of the present invention. As shown in FIG. 1, the payment system includes: a payment system located on the network side and a client located on the user side. The payment system includes a transaction platform and a payment platform; the client may be located in a PC, a laptop, a mobile terminal, etc.; in the embodiment of the present invention, the client may connect to the payment system via a home gateway by wire or wirelessly to implement communication. .

Based on the above system, the present invention provides a payment method for online transactions. As shown in FIG. 2, the method includes:

Step 1: The transaction platform receives a transaction request sent by the user side;

The trading platform can be displayed to the user through a webpage, and a button can be set on the webpage, and the user can submit a transaction request by clicking the button; of course, the user can submit the transaction request by other means.

Step 2: The trading platform generates the order information according to the transaction request, and sends the order information to the payment platform;

The above order information includes the following information: transaction information and user information; the user information may include a user IP address, a computer address, etc., and the transaction information may include an order number, a product name, a price, and the like.

Step 3: The payment platform sends the order information to the home gateway corresponding to the IP address according to the user IP address in the order information.

Step 4: The home gateway sends the order information to the client according to the computer address in the order information;

Before step 4, the payment platform may first check whether the funds are sufficient, and if the funds are insufficient, return the transaction failure information to the trading platform and the user side.

Step 5: The client displays the received order information to the user for confirmation, and receives the user confirmation information; if the user rejects the confirmation, the home gateway answers the transaction failure information to the payment platform; if the user confirms the payment request, the payment is made. The confirmation information is sent to the payment platform through the home gateway; the payment request can correspond to multiple orders, one order corresponds to one item; at this time, the user can confirm to pay part or all of the order; one order can also correspond to multiple items, the user can Confirm payment of some or all of the items.

The confirmation information includes whether or not to pay and the payment method, and the payment method may be an immediate payment or a margin trading mode.

Step 6. The payment platform performs relevant transaction verification, determines that there is tradable funds, and performs a payment operation;

The payment platform can be connected to the electronic wallet system or the online bank through the network to perform the payment operation; or the account information is stored by itself, and the payment operation is performed according to the instruction.

Step 7: The payment platform returns the final result of the transaction to the trading platform and through the home gateway user side client.

In summary, FIG. 1 and FIG. 2 show a preferred embodiment of the present invention. The combination of the transformation and the transformation performed on the preferred embodiment does not deviate from the technical idea of the present invention. The scope of protection of the invention:

Figure 3 illustrates another preferred embodiment of the payment system and client of Figure 1, which also shows the payment system and the network environment in which the client is located. The payment system of this embodiment includes: a transaction platform and a payment platform;

The transaction platform is configured to receive a transaction (shopping) request sent by the user side, and generate order information according to the transaction request, and send the order information to the payment platform;

The payment platform includes an interconnected payment gateway and an electronic wallet system or an online banking system; the payment gateway exchanges order information with the client through the home gateway according to the order information received from the transaction platform, and confirms whether the payment is made to the electronic wallet after the user side The system or online banking system performs the payment operation and notifies the trading platform and the client of the transaction result after completing the operation.

The payment system is connected to the client through the home gateway. The home gateway includes a payment module. The module is used to obtain order information from the payment platform, and notify the client after the gateway according to the computer name. In summary, the gateway is bound on the telecommunication network identity. , security is higher; for example, the account of the telecom gateway can only be used on a fixed telephone line, and the IP can be used to determine the specific use of the line. The payment system utilizes the home gateway to bind the user identity of the payment transaction, reduces the failure rate of the transaction, and binds the telecommunication line through the home gateway. The user identity is directly bound and determined by using the network technology, thereby preventing User spoofing, there is no security risk after theft. For example, the "electronic wallet" has a positioning function in the network, and the telecommunication network can locate the information of the user according to the IP; therefore, the confirmation link in the transaction process of the embodiment of the present invention is triggered by the home gateway as a third party, instead of being forwarded by the merchant. , so you can avoid businesses.

Claims

Claim

1. A payment method for online transactions, the method comprising:

2. The online transaction payment method according to claim 1, wherein the user information comprises a user IP address and a computer name;

The payment method of the online transaction according to claim 1 or 2, wherein the payment system comprises a transaction platform and a payment platform; after the transaction platform receives the transaction request sent by the user side, Transmitting the request to generate the order information, and sending the order information to the payment platform;

The online transaction payment method according to claim 3, wherein the payment platform is connected to the home electronic wallet system;

Before the payment platform sends the order information to the home gateway corresponding to the user side, The method further includes: verifying whether the funds of the home e-wallet are sufficient, and if the funds are insufficient, returning information of the transaction failure to the transaction platform and the user side.

A payment system for online transactions, characterized in that: the payment system comprises: a transaction platform, configured to receive a transaction request sent by a user side, generate order information according to the transaction request, and send the order information to the payment platform;

6. A payment method for online transactions, the method comprising:

7. A home gateway, characterized in that the home gateway comprises: