WO2015085852A1 - Email-based p2p data processing system and data processing method - Google Patents

Email-based p2p data processing system and data processing method Download PDF

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Publication number
WO2015085852A1
WO2015085852A1 PCT/CN2014/091730 CN2014091730W WO2015085852A1 WO 2015085852 A1 WO2015085852 A1 WO 2015085852A1 CN 2014091730 W CN2014091730 W CN 2014091730W WO 2015085852 A1 WO2015085852 A1 WO 2015085852A1
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transfer
email
payment
mail
server
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PCT/CN2014/091730
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French (fr)
Chinese (zh)
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尹亚伟
费志军
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中国银联股份有限公司
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Publication of WO2015085852A1 publication Critical patent/WO2015085852A1/en

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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
    • 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] 

Definitions

  • the invention relates to an email-based P2P mail processing system and a data processing method, in particular to an email-based P2P transfer system and a transfer method.
  • the second way ATM machine transfer.
  • the transfer process is as follows:
  • the bank ATM machine verifies the bank card information
  • the present invention aims to provide a data processing system and a data processing method based on Email, which is simple, convenient, secure, and cross-platform, and is based on a P2P (Peer to Peer, Peer-to-Peer Network, generally referred to as P2P). More specifically, the present invention is directed to an email-based P2P transfer system and a transfer method in which an e-mail is provided with a P2P transfer service function by installing a transfer plug-in in an e-mail client.
  • P2P Peer to Peer, Peer-to-Peer Network
  • the email-based P2P data processing method of the present invention is characterized in that it comprises the following steps: an account binding step, binding the transfer initiator email address and the transfer initiator payment account, and transferring the recipient email address and the transfer recipient Payment account binding;
  • the transfer notification email sending step the transfer initiator email client sends the transfer notification email to the transfer recipient email client through the mail server, and the transfer initiator email client sends the transfer notification email to the payment server;
  • the payment server sends a transfer instruction to the third-party payment gateway according to the transfer notification mail;
  • the third party payment gateway feeds back the transfer result to the payment server;
  • the transfer result mail notification step the mail server notifies the transfer initiator email client and the transfer recipient email client of the transfer result email.
  • the transfer initiator Email client sends the transfer notification mail to the payment server in a secret delivery manner.
  • a transfer notification mail including at least a transfer recipient mail address and a transfer amount is sent to the transfer recipient Email client and the payment server.
  • the payment server queries the corresponding transfer recipient payment account according to the transfer recipient mail address included in the transfer notification mail, and sends a transfer instruction to the third party payment gateway according to the payment account.
  • the email-based P2P data processing method of the present invention is characterized in that it comprises the following steps:
  • the transfer initiator account binding step binds the transfer initiator email address to the transfer initiator payment account;
  • the transfer notification email is sent, and the transfer initiator Email client sends the transfer notification email to the transfer recipient Email client through the mail server.
  • the transfer initiator email client sends a transfer notification email to the payment server;
  • the transfer recipient account binding step the payment server sends a transfer registration email to the transfer recipient Email client, and the transfer recipient Email client will indicate the binding relationship between the transfer recipient email address and the transfer recipient payment account through the mail server.
  • the binding transfer account information is sent to the payment server;
  • a transfer instruction sending step the payment server transmitting the transfer instruction to the third party payment gateway according to the transfer account information
  • the third party payment gateway feeds back the transfer result to the payment server;
  • the transfer result mail notification step the mail server notifies the transfer initiator email client and the transfer recipient email client of the transfer result email.
  • the transfer initiator Email client sends the transfer notification mail to the payment server in a secret delivery manner.
  • a transfer notification mail including at least a transfer recipient mail address and a transfer amount is sent to the transfer recipient Email client and the payment server.
  • the payment server queries the corresponding transfer recipient payment account according to the transfer recipient email address included in the transfer account information, and sends a transfer instruction to the third party payment gateway according to the payment account. .
  • the email-based P2P data processing system of the present invention is characterized in that it comprises:
  • a mail server for providing a mail service
  • the transfer initiator email client is capable of sending and receiving mails with the mail server, and has a transfer plug-in to be able to send a payment instruction to the payment server in a secret delivery manner;
  • a payment server configured to send a transfer instruction to the third-party payment gateway described below according to the payment instruction, and feed back the transfer result to the mail server;
  • a third-party payment gateway for implementing a transfer service according to a transfer instruction.
  • the transfer plug-in has:
  • a mail client plug-in module for managing a client certificate of the payment server
  • a mail management module configured to secretly deliver the mail content to the payment server.
  • the transfer recipient Email client also has the transfer plugin.
  • the transfer initiator email client sends a payment instruction to the payment server, and then sends the signature by using the client certificate of the payment server, and the payment server performs decryption after receiving the payment instruction to the
  • the third party payment gateway sends a transfer order.
  • the payment server is further configured to send a transfer registration email to the transfer recipient email client according to the transfer recipient email address, where the transfer recipient email client is further configured to transfer the email address representing the transfer recipient and the transfer
  • the binding transfer account information of the binding relationship between the recipient payment account is sent to the mail server, and the mail server is further configured to send the transfer account information to the payment server.
  • the Email-based P2P data processing method of the present invention and the Email-based P2P data processing system of the present invention have the following advantages:
  • the cardless payment service channel can be greatly expanded.
  • FIG. 1 is a system configuration diagram showing an Email-based P2P data processing system of the present invention.
  • FIG. 2 is a flow chart showing a method of processing P2P data based on Email according to the first embodiment of the present invention.
  • FIG. 3 is a flow chart showing a method of processing P2P data based on Email according to a second embodiment of the present invention.
  • FIG. 1 is a system configuration diagram showing an Email-based P2P data processing system of the present invention.
  • the email-based P2P data processing system of the present invention mainly comprises: a transfer initiator email client 100, a transfer recipient email client 200, and an email server 300 (including a transfer initiator email server and a transfer recipient).
  • the collective name of the Email server also referred to as "mail server” hereinafter, the payment server 400, and the third party payment gateway 500.
  • the transfer initiator email client 100 and the email server 300 can perform mail transmission and reception, and in order to enable the communication tool to complete the P2P transfer function, the transfer initiator email client 100 integrates the transfer plug-in, thereby enabling the transfer initiator to send an email.
  • the client 100 transmits a payment instruction to the payment server 400 in a secret delivery manner.
  • the transfer plug-in has a mail client plug-in module for managing a client certificate of the payment server, and a mail management module for secretly mailing the mail content to the payment server.
  • the transfer recipient Email client 200 and the email server 300 can perform mail transmission and reception.
  • the Email server (ie, mail server) 300 is used to provide a mail service.
  • the payment server 400 transmits a transfer instruction to the third party payment gateway 500 for the payment instruction sent by the root user and feeds back the transfer result to the email server 300.
  • the third-party payment gateway 500 is mainly used to provide a card transfer business service for the cardholder.
  • FIG. 2 is a flow chart showing a method of processing P2P data based on Email according to the first embodiment of the present invention.
  • the transfer initiator needs to establish a binding relationship between the personal email account and the payment account (including the debit card number, the virtual account number, etc.), and the transfer recipient also needs to set the email account and the payment account. (including debit card number, virtual account number, etc.) to establish a binding relationship.
  • Step S101 The transfer initiator Email client 100 sends a transfer notification email to the transfer recipient Email client 200 through the mail server 300, and simultaneously transfers the transfer notification email by means of the transfer plug-in provided by the transfer initiator Email client 100. Sent to payment server 400. Specifically, the transfer initiator email client 100 inputs information such as the transfer recipient mail address, the transfer amount, and the like, and issues a transfer notification mail to the mail server 300, and transmits the transfer notification mail to the transfer recipient Email client 200 by the mail server 300. Transfer recipient email address.
  • Step S102 The payment server 400, based on the transfer notification mail received from the transfer initiator Email client 100, queries the receiving account of the transfer recipient according to the transfer recipient email address, and sends a transfer instruction to the third party payment gateway 500.
  • Step S103 The third-party payment gateway 500 returns the transfer result to the payment server 400 after completing the transfer payment process.
  • Step S104 The payment server 400 transmits the transfer result mail to the mail server 300 after receiving the transfer result.
  • Step S105 The mail server 300 transmits a transfer result notification mail to the transfer originator email client 100 and the transfer recipient email client 200, respectively.
  • FIG. 3 is a flow chart showing a method of processing P2P data based on Email according to a second embodiment of the present invention.
  • the personal email account needs to be bound to the payment account (including the debit card number, the virtual account number, etc.), and the transfer recipient email account and the payment account (including the debit) The card number, virtual account number, etc.) are not bound.
  • Step S201 The transfer initiator Email client 100 receives the transfer from the mail server 300.
  • the party email client 200 transmits the transfer notification mail, and simultaneously transmits the transfer notification mail to the payment server 400 by means of the transfer plug-in provided by the transfer originator email client 100.
  • the transfer initiator email client 100 inputs information such as the transfer recipient mail address, the transfer amount, and the like, and issues a transfer notification mail to the mail server 300, and transmits the transfer notification mail to the transfer recipient Email client 200 by the mail server 300. Transfer recipient email address.
  • Step S202 The payment server 400 transmits a transfer registration notification mail to the transfer recipient based on the transfer notification mail received from the transfer originator email client 100.
  • Step S203 The transfer recipient sends the binding transfer account information indicating the binding relationship between the transfer recipient mail address and the transfer recipient payment account to the mail server 300 through the transfer recipient Email client 200, and the mail server 300 will The bundle transfer account information is sent to the payment server 400.
  • Step S204 The payment server 400 sends the transfer instruction of the included transfer recipient payment account to the third-party payment gateway 500 according to the binding relationship between the transfer recipient email address and the transfer recipient payment account in the transfer account information.
  • Step S205 The third-party payment gateway 500 returns the transfer result to the payment server 400 after completing the transfer payment process.
  • Step S206 The payment server 400 transmits the transfer result mail to the mail server 300 after receiving the transfer result.
  • Step S207 The mail server 300 transmits a transfer result notification mail to the transfer originator email client 100 and the transfer recipient email client 200, respectively.
  • the email-based P2P data processing method of the second embodiment of the present invention it is only necessary to transfer the transfer plug-in to the email client, and the transfer party can complete the transfer without even knowing the payee account information, and receive The party does not need to bind the email address and account number in advance, which simplifies the difficulty of transferring funds.
  • it can be used seamlessly across platforms. PCs, tablets, and smartphones all support email sending and receiving functions, and can use these platforms to send emails. The transfer procedure is completed, and therefore, it has the advantages of simple operation, low cost, and high practicability.
  • the Email-based P2P data processing system and the data processing method of the present invention are simple, convenient, secure, and cross-platform, and are useful supplements to the existing online transfer mode, and are constructed based on Email.
  • the credit payment system solves the problem that the user's personal transfer channel is not smooth. problem.

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Abstract

The present invention relates to an email-based P2P data processing method and data processing system. The method comprises the following steps: binding an email address of a transfer initiator with a payment account of the transfer initiator, and binding an email address of a transfer recipient with a payment account of the transfer recipient; an email client of the transfer initiator sending a transfer notification email to an email client of the transfer recipient through an email server, and at the same time, the email client of the transfer initiator sending a transfer notification email to a payment server; the payment server sending a transfer instruction to a third-party payment gateway according to the transfer notification email; the third-party payment gateway feeding back a transfer result to the payment server; and the email server notifying the email client of the transfer initiator and the email client of transfer recipient of the transfer result by using an email. The present invention can simplify transfer and implement seamless cross-platform transfer.

Description

一种基于Email的P2P数据处理系统以及数据处理方法Email-based P2P data processing system and data processing method 技术领域Technical field
本发明涉及一种基于Email的P2P邮件处理系统以及数据处理方法，具体地涉及基于Email的P2P转帐系统以及转帐方法。The invention relates to an email-based P2P mail processing system and a data processing method, in particular to an email-based P2P transfer system and a transfer method.
背景技术Background technique
在现有技术中，作为转帐方式，普遍采用以下两种方式。In the prior art, as the transfer method, the following two methods are generally adopted.
第一种方式：网上银行转账。其转账流程如下：The first way: online bank transfer. The transfer process is as follows:
(1)选择转账银行并登陆银行网银；(1) Select the transfer bank and log in to the bank online banking;
(2)输入转账信息要素(包括对方账号)；(2) Enter the transfer information element (including the other party's account number);
(3)确认支付。(3) Confirm payment.
网上银行转帐的缺点如下：The disadvantages of online bank transfer are as follows:
(1)银行网银服务互不兼容，跨银行服务往往需要安装多种客户端或访问多个网址，通用性极差；(1) Bank online banking services are incompatible with each other. Cross-banking services often require installation of multiple clients or access to multiple websites, and the versatility is extremely poor;
(2)需要在支付客户端、网页间进行多次跳转，流程繁琐；(2) It is necessary to make multiple jumps between the payment client and the webpage, and the process is cumbersome;
(3)转账过程中需要输入收款方卡号、收款人名称、通知手机号等要素信息，容易出现错误；(3) In the process of transfer, it is necessary to input the information such as the payee card number, the payee name, and the notification mobile phone number, which is prone to errors;
(4)在智能手机等掌上移动终端上操作困难。(4) It is difficult to operate on a handheld mobile terminal such as a smart phone.
第二种方式：ATM机转账。其转帐流程如下：The second way: ATM machine transfer. The transfer process is as follows:
(1)银行ATM机验证银行卡信息；(1) The bank ATM machine verifies the bank card information;
(2)输入转账信息要素(包括对方账号)；(2) Enter the transfer information element (including the other party's account number);
(3)确认支付。(3) Confirm payment.
ATM机转账的缺点如下：The disadvantages of ATM machine transfer are as follows:
(1)转账过程需要在ATM机上执行，无法及时满足转账需求；(1) The transfer process needs to be executed on the ATM machine, and the transfer request cannot be met in time;
(2)受限于ATM机分布位置，转账交通成本、时间成本过高，不适用于个人转 账；(2) Restricted by the distribution location of the ATM machine, the transfer transportation cost and time cost are too high, and it is not suitable for personal transfer. Account
(3)转账过程中需要输入收款方卡号信息，容易出现错误。(3) It is necessary to input the card number information of the payee during the transfer process, which is prone to errors.
发明内容Summary of the invention
鉴于上述问题，本发明旨在提供一种具有简单、方便、安全、跨平台等特点的基于Email的P2P(Peer to Peer，对等网络，一般简称为P2P，)数据处理系统以及数据处理方法，更具体地本发明旨在提供一种通过在电子邮件客户端内安装转账插件的方式使电子邮件具备了P2P转账服务功能的基于Email的P2P转帐系统以及转帐方法。In view of the above problems, the present invention aims to provide a data processing system and a data processing method based on Email, which is simple, convenient, secure, and cross-platform, and is based on a P2P (Peer to Peer, Peer-to-Peer Network, generally referred to as P2P). More specifically, the present invention is directed to an email-based P2P transfer system and a transfer method in which an e-mail is provided with a P2P transfer service function by installing a transfer plug-in in an e-mail client.
本发明的基于Email的P2P数据处理方法，其特征在于，包括下述步骤：账户绑定步骤，将转帐发起方邮件地址与转帐发起方支付帐号绑定，将转帐接收方邮件地址与转帐接收方支付帐号绑定；The email-based P2P data processing method of the present invention is characterized in that it comprises the following steps: an account binding step, binding the transfer initiator email address and the transfer initiator payment account, and transferring the recipient email address and the transfer recipient Payment account binding;
转帐通知邮件发送步骤，转帐发起方Email客户端通过邮件服务器将转帐通知邮件发送至转帐接收方Email客户端，同时转帐发起方Email客户端向支付服务器发送转帐通知邮件；The transfer notification email sending step, the transfer initiator email client sends the transfer notification email to the transfer recipient email client through the mail server, and the transfer initiator email client sends the transfer notification email to the payment server;
转帐指令发送步骤，支付服务器向根据转帐通知邮件第三方支付网关发送转帐指令；a transfer instruction sending step, the payment server sends a transfer instruction to the third-party payment gateway according to the transfer notification mail;
转帐结果反馈步骤，第三方支付网关将转帐结果反馈到支付服务器；以及a transfer result feedback step, the third party payment gateway feeds back the transfer result to the payment server;
转帐结果邮件通知步骤，邮件服务器将转帐结果邮件通知转帐发起方Email客户端和转帐接收方Email客户端。The transfer result mail notification step, the mail server notifies the transfer initiator email client and the transfer recipient email client of the transfer result email.
优选地，在所述转帐通知邮件发送步骤中，转帐发起方Email客户端以密送方式向支付服务器发送转帐通知邮件。Preferably, in the transfer notification mail sending step, the transfer initiator Email client sends the transfer notification mail to the payment server in a secret delivery manner.
优选地，在所述转帐通知邮件发送步骤中，将至少包括转帐接收方邮件地址和转帐金额的转帐通知邮件发送至转帐接收方Email客户端和支付服务器。Preferably, in the transfer notification mail sending step, a transfer notification mail including at least a transfer recipient mail address and a transfer amount is sent to the transfer recipient Email client and the payment server.
优选地，在所述转帐指令发送步骤中，支付服务器根据转帐通知邮件中包含的转帐接收方邮件地址查询对应的转帐接收方支付帐号，并且根据该支付帐号向第三方支付网关发送转帐指令。Preferably, in the transfer instruction sending step, the payment server queries the corresponding transfer recipient payment account according to the transfer recipient mail address included in the transfer notification mail, and sends a transfer instruction to the third party payment gateway according to the payment account.
本发明的基于Email的P2P数据处理方法，其特征在于，包括下述步骤： 转帐发起方账户绑定步骤，将转帐发起方邮件地址与转帐发起方支付帐号绑定；转帐通知邮件发送步骤，转帐发起方Email客户端通过邮件服务器将转帐通知邮件发送至转帐接收方Email客户端，同时转帐发起方Email客户端向支付服务器发送转帐通知邮件；The email-based P2P data processing method of the present invention is characterized in that it comprises the following steps: The transfer initiator account binding step binds the transfer initiator email address to the transfer initiator payment account; the transfer notification email is sent, and the transfer initiator Email client sends the transfer notification email to the transfer recipient Email client through the mail server. And the transfer initiator email client sends a transfer notification email to the payment server;
转帐接收方账户绑定步骤，支付服务器向转帐接收方Email客户端发送转帐注册邮件，转帐接收方Email客户端通过邮件服务器将表示转帐接收方邮件地址与转帐接收方支付帐号之间的绑定关系的绑定转帐账户信息发送到支付服务器；The transfer recipient account binding step, the payment server sends a transfer registration email to the transfer recipient Email client, and the transfer recipient Email client will indicate the binding relationship between the transfer recipient email address and the transfer recipient payment account through the mail server. The binding transfer account information is sent to the payment server;
转帐指令发送步骤，支付服务器根据所述转帐账户信息将转帐指令发送到第三方支付网关；a transfer instruction sending step, the payment server transmitting the transfer instruction to the third party payment gateway according to the transfer account information;
转帐结果反馈步骤，第三方支付网关将转帐结果反馈到支付服务器；以及a transfer result feedback step, the third party payment gateway feeds back the transfer result to the payment server;
转帐结果邮件通知步骤，邮件服务器将转帐结果邮件通知转帐发起方Email客户端和转帐接收方Email客户端。The transfer result mail notification step, the mail server notifies the transfer initiator email client and the transfer recipient email client of the transfer result email.
优选地，在所述转帐通知邮件发送步骤中，转帐发起方Email客户端以密送方式向支付服务器发送转帐通知邮件。Preferably, in the transfer notification mail sending step, the transfer initiator Email client sends the transfer notification mail to the payment server in a secret delivery manner.
优选地，在所述转帐通知邮件发送步骤中，将至少包括转帐接收方邮件地址和转帐金额的转帐通知邮件发送至转帐接收方Email客户端和支付服务器。Preferably, in the transfer notification mail sending step, a transfer notification mail including at least a transfer recipient mail address and a transfer amount is sent to the transfer recipient Email client and the payment server.
优选地，在所述转帐指令发送步骤中，支付服务器根据所述转帐账户信息中包含的转帐接收方邮件地址查询对应的转帐接收方支付帐号，并且根据该支付帐号向第三方支付网关发送转帐指令。Preferably, in the transfer instruction sending step, the payment server queries the corresponding transfer recipient payment account according to the transfer recipient email address included in the transfer account information, and sends a transfer instruction to the third party payment gateway according to the payment account. .
本发明的基于Email的P2P数据处理系统，其特征在于，包括：The email-based P2P data processing system of the present invention is characterized in that it comprises:
邮件服务器，用于提供邮件服务；a mail server for providing a mail service;
转帐发起方Email客户端，与所述邮件服务器之间能够进行邮件收发，并且具有转帐插件以能够以密送方式向支付服务器发送支付指令；The transfer initiator email client is capable of sending and receiving mails with the mail server, and has a transfer plug-in to be able to send a payment instruction to the payment server in a secret delivery manner;
转帐接收方Email客户端，与所述邮件服务器之间能够进行邮件收发；Transfer the recipient email client, and send and receive mail to and from the mail server;
支付服务器，用于根据接所述支付指令向下述的第三方支付网关发送转帐指令并且将转帐结果反馈到所述邮件服务器；a payment server, configured to send a transfer instruction to the third-party payment gateway described below according to the payment instruction, and feed back the transfer result to the mail server;
第三方支付网关，用于根据转帐指令实现转帐业务。A third-party payment gateway for implementing a transfer service according to a transfer instruction.
优选地，所述转帐插件具备：Preferably, the transfer plug-in has:
邮件客户端插件模块，用于管理所述支付服务器的客户端证书； a mail client plug-in module for managing a client certificate of the payment server;
邮件管理模块，用于将邮件内容密送至所述支付服务器。a mail management module, configured to secretly deliver the mail content to the payment server.
优选地，所述转帐接收方Email客户端也具有所述转帐插件。Preferably, the transfer recipient Email client also has the transfer plugin.
优选地，所述转帐发起方Email客户端向支付服务器发送支付指令时利用所述支付服务器的客户端证书进行签名后发送，所述支付服务器在收到所述支付指令后进行解密之后向所述第三方支付网关发送转帐指令。Preferably, the transfer initiator email client sends a payment instruction to the payment server, and then sends the signature by using the client certificate of the payment server, and the payment server performs decryption after receiving the payment instruction to the The third party payment gateway sends a transfer order.
优选地，所述支付服务器还用于根据转帐接收方邮件地址向所述转帐接收方Email客户端发送转帐注册邮件，所述转帐接收方Email客户端还用于将表示转帐接收方邮件地址与转帐接收方支付帐号之间的绑定关系的绑定转帐账户信息发送到邮件服务器，所述邮件服务器还用于将所述转帐账户信息发送到所述支付服务器。Preferably, the payment server is further configured to send a transfer registration email to the transfer recipient email client according to the transfer recipient email address, where the transfer recipient email client is further configured to transfer the email address representing the transfer recipient and the transfer The binding transfer account information of the binding relationship between the recipient payment account is sent to the mail server, and the mail server is further configured to send the transfer account information to the payment server.
本发明的基于Email的P2P数据处理方法以及本发明的基于Email的P2P数据处理系统具有下述优点：The Email-based P2P data processing method of the present invention and the Email-based P2P data processing system of the present invention have the following advantages:
用户群广泛，使用成本低廉。目前大部分消费者都使用电子邮件作为信息传递工具，在使用本专利提供的转账功能时，只需在电子邮件客户端装入转账插件即可；可以无缝地跨平台使用，PC、平板电脑、智能手机均支持电子邮件收发功能，顺应移动互联网时代的发展潮流；The user base is extensive and the cost of use is low. At present, most consumers use e-mail as a means of information transfer. When using the transfer function provided by this patent, you only need to install the transfer plug-in in the e-mail client; it can be used seamlessly across platforms, PCs, tablets. And smart phones support e-mail sending and receiving functions, in line with the development trend of the mobile Internet era;
简单易用，适用于家里、办公室或公共场合，室内或室外，静止或移动等等多种环境，在提款模式转账流程中，转账方甚至无需知道收款人账号信息，大大简化了转账难度；Easy to use, suitable for home, office or public, indoor or outdoor, static or mobile, etc. In the withdrawal mode transfer process, the transfer party does not even need to know the payee account information, which greatly simplifies the transfer difficulty. ;
通过与电子票据服务结合，消费者可以获得电子转账凭证，并随时查询个人记录；通过个人电子邮件账号与银行卡号关联，可以大大拓展无卡支付业务渠道。By combining with the electronic bill service, consumers can obtain electronic transfer vouchers and check personal records at any time; through the personal email account associated with the bank card number, the cardless payment service channel can be greatly expanded.
附图说明DRAWINGS
图1是表示本发明的基于Email的P2P数据处理系统的系统结构图。1 is a system configuration diagram showing an Email-based P2P data processing system of the present invention.
图2是表示本发明第一实施方式的基于Email的P2P数据处理方法的流程图。2 is a flow chart showing a method of processing P2P data based on Email according to the first embodiment of the present invention.
图3是表示本发明第二实施方式的基于Email的P2P数据处理方法的流程图。 3 is a flow chart showing a method of processing P2P data based on Email according to a second embodiment of the present invention.
具体实施方式detailed description
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。The following are some of the various embodiments of the invention, which are intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or the scope of the invention.
图1是表示本发明的基于Email的P2P数据处理系统的系统结构图。1 is a system configuration diagram showing an Email-based P2P data processing system of the present invention.
如图1所示，本发明的基于Email的P2P数据处理系统主要包括：转帐发起方Email客户端100、转帐接收方Email客户端200、Email服务器300(包括了转帐发起方Email服务器和转帐接收方Email服务器的统称，后文中也称为“邮件服务器”)、支付服务器400、第三方支付网关500。As shown in FIG. 1, the email-based P2P data processing system of the present invention mainly comprises: a transfer initiator email client 100, a transfer recipient email client 200, and an email server 300 (including a transfer initiator email server and a transfer recipient). The collective name of the Email server, also referred to as "mail server" hereinafter, the payment server 400, and the third party payment gateway 500.
转帐发起方Email客户端100与Email服务器300之间能够进行邮件收发，并且，为了使通讯工具能够完成P2P转帐功能在转帐发起方Email客户端100集成转帐插件，由此，能够使得转帐发起方Email客户端100以密送方式向支付服务器400发送支付指令。所述转帐插件具备：邮件客户端插件模块，用于管理所述支付服务器的客户端证书；邮件管理模块，用于将邮件内容密送至所述支付服务器。The transfer initiator email client 100 and the email server 300 can perform mail transmission and reception, and in order to enable the communication tool to complete the P2P transfer function, the transfer initiator email client 100 integrates the transfer plug-in, thereby enabling the transfer initiator to send an email. The client 100 transmits a payment instruction to the payment server 400 in a secret delivery manner. The transfer plug-in has a mail client plug-in module for managing a client certificate of the payment server, and a mail management module for secretly mailing the mail content to the payment server.
同样地，转帐接收方Email客户端200与Email服务器300之间能够进行邮件收发。Email服务器(即邮件服务器)300用于提供邮件服务。Similarly, the transfer recipient Email client 200 and the email server 300 can perform mail transmission and reception. The Email server (ie, mail server) 300 is used to provide a mail service.
支付服务器400用于根用户发送的支付指令向第三方支付网关500发送转帐指令并且将转帐结果反馈到Email服务器300。第三方支付网关500主要用于为持卡人提供转帐业务服务。The payment server 400 transmits a transfer instruction to the third party payment gateway 500 for the payment instruction sent by the root user and feeds back the transfer result to the email server 300. The third-party payment gateway 500 is mainly used to provide a card transfer business service for the cardholder.
接着，对于利用基于Email的P2P数据处理系统实现的基于Email的P2P数据处理方法进行说明。Next, an email-based P2P data processing method implemented by the Email-based P2P data processing system will be described.
首先，对于本发明的第一实施方式的基于Email的P2P数据处理方法进行说明。First, an email-based P2P data processing method according to a first embodiment of the present invention will be described.
图2是表示本发明第一实施方式的基于Email的P2P数据处理方法的流程图。2 is a flow chart showing a method of processing P2P data based on Email according to the first embodiment of the present invention.
在第一实施方式中，在转帐发起方，需要将个人Email帐号与支付帐号(包括借记卡号、虚拟帐号等)建立绑定关系，并且在转帐接收方也需要将人Email帐号与支付帐号(包括借记卡号、虚拟帐号等)建立绑定关系。In the first embodiment, the transfer initiator needs to establish a binding relationship between the personal email account and the payment account (including the debit card number, the virtual account number, etc.), and the transfer recipient also needs to set the email account and the payment account. (including debit card number, virtual account number, etc.) to establish a binding relationship.
下面参照图2对于本发明第一实施方式的基于Email的P2P数据处理方法 具体流程进行说明。The following is an email-based P2P data processing method according to the first embodiment of the present invention with reference to FIG. 2 The specific process will be explained.
步骤S101：转帐发起方Email客户端100通过邮件服务器300向转帐接收方Email客户端200发送转帐通知邮件，同时，利用转帐发起方Email客户端100具备的转帐插件将转帐通知邮件以密送的方式发送到支付服务器400。具体地，在转帐发起方Email客户端100输入转帐接收方邮件地址、转帐金额等信息，向邮件服务器300发出转帐通知邮件，利用邮件服务器300将转帐通知邮件发送到转帐接收方Email客户端200的转帐接收方邮件地址。Step S101: The transfer initiator Email client 100 sends a transfer notification email to the transfer recipient Email client 200 through the mail server 300, and simultaneously transfers the transfer notification email by means of the transfer plug-in provided by the transfer initiator Email client 100. Sent to payment server 400. Specifically, the transfer initiator email client 100 inputs information such as the transfer recipient mail address, the transfer amount, and the like, and issues a transfer notification mail to the mail server 300, and transmits the transfer notification mail to the transfer recipient Email client 200 by the mail server 300. Transfer recipient email address.
步骤S102：支付服务器400基于从转帐发起方Email客户端100收到的转帐通知邮件，根据转帐接收方邮件地址查询转帐接收方的接收帐号，向第三方支付网关500发送转帐指令。Step S102: The payment server 400, based on the transfer notification mail received from the transfer initiator Email client 100, queries the receiving account of the transfer recipient according to the transfer recipient email address, and sends a transfer instruction to the third party payment gateway 500.
步骤S103：第三方支付网关500完成转帐支付流程后反馈转帐结果到支付服务器400。Step S103: The third-party payment gateway 500 returns the transfer result to the payment server 400 after completing the transfer payment process.
步骤S104：支付服务器400收到转帐结果后向邮件服务器300发送转帐结果邮件。Step S104: The payment server 400 transmits the transfer result mail to the mail server 300 after receiving the transfer result.
步骤S105：邮件服务器300向转帐发起方Email客户端100和转帐接收方Email客户端200分别发送转帐结果通知邮件。Step S105: The mail server 300 transmits a transfer result notification mail to the transfer originator email client 100 and the transfer recipient email client 200, respectively.
这样，利用上述本发明第一实施方式的基于Email的P2P数据处理方法，只需要在电子邮件客户端转入转帐插件即可，转帐方甚至无需知道收款人帐号信息也能够完成转帐，大大简化了转帐难度。而且，可以无缝地跨平台使用，PC、平板电脑、智能手机均支持电子邮件收发功能，能够利用这些平台通过发送邮件即可完成转帐手续，因此，具有操作简单、成本低廉、实用性高的优点。In this way, by using the email-based P2P data processing method according to the first embodiment of the present invention, it is only necessary to transfer the transfer plug-in to the email client, and the transfer party can complete the transfer without even knowing the payee account information, which greatly simplifies. The difficulty of transferring money. Moreover, it can be used seamlessly across platforms. PCs, tablets, and smartphones support e-mail sending and receiving functions. These platforms can be used to complete the transfer process by sending e-mails. Therefore, it is easy to operate, low-cost, and highly practical. advantage.
接着，对于本发明第二实施方式的基于Email的P2P数据处理方法进行说明。Next, an email-based P2P data processing method according to a second embodiment of the present invention will be described.
图3是表示本发明第二实施方式的基于Email的P2P数据处理方法的流程图。3 is a flow chart showing a method of processing P2P data based on Email according to a second embodiment of the present invention.
在第二实施方式中，在转帐发起方，需要将个人Email帐号与支付帐号(包括借记卡号、虚拟帐号等)建立绑定关系，而转帐接收方人Email帐号与支付帐号(包括借记卡号、虚拟帐号等)未建立绑定关系。In the second embodiment, in the transfer initiator, the personal email account needs to be bound to the payment account (including the debit card number, the virtual account number, etc.), and the transfer recipient email account and the payment account (including the debit) The card number, virtual account number, etc.) are not bound.
步骤S201：转帐发起方Email客户端100通过邮件服务器300向转帐接收 方Email客户端200发送转帐通知邮件，同时，利用转帐发起方Email客户端100具备的转帐插件将转帐通知邮件以密送的方式发送到支付服务器400。具体地，在转帐发起方Email客户端100输入转帐接收方邮件地址、转帐金额等信息，向邮件服务器300发出转帐通知邮件，利用邮件服务器300将转帐通知邮件发送到转帐接收方Email客户端200的转帐接收方邮件地址。Step S201: The transfer initiator Email client 100 receives the transfer from the mail server 300. The party email client 200 transmits the transfer notification mail, and simultaneously transmits the transfer notification mail to the payment server 400 by means of the transfer plug-in provided by the transfer originator email client 100. Specifically, the transfer initiator email client 100 inputs information such as the transfer recipient mail address, the transfer amount, and the like, and issues a transfer notification mail to the mail server 300, and transmits the transfer notification mail to the transfer recipient Email client 200 by the mail server 300. Transfer recipient email address.
步骤S202：支付服务器400基于从转帐发起方Email客户端100收到的转帐通知邮件，向转帐接收方发送转帐注册通知邮件。Step S202: The payment server 400 transmits a transfer registration notification mail to the transfer recipient based on the transfer notification mail received from the transfer originator email client 100.
步骤S203：转帐接收方通过转帐接收方Email客户端200将表示转帐接收方邮件地址与转帐接收方支付帐号之间的绑定关系的绑定转帐账户信息发送到邮件服务器300，邮件服务器300再将该绑定转帐账户信息发送到支付服务器400。Step S203: The transfer recipient sends the binding transfer account information indicating the binding relationship between the transfer recipient mail address and the transfer recipient payment account to the mail server 300 through the transfer recipient Email client 200, and the mail server 300 will The bundle transfer account information is sent to the payment server 400.
步骤S204：支付服务器400根据所述转帐账户信息中转帐接收方邮件地址与转帐接收方支付帐号之间的绑定关系，将包含的转帐接收方支付帐号的转帐指令发送到第三方支付网关500。Step S204: The payment server 400 sends the transfer instruction of the included transfer recipient payment account to the third-party payment gateway 500 according to the binding relationship between the transfer recipient email address and the transfer recipient payment account in the transfer account information.
步骤S205：第三方支付网关500完成转帐支付流程后反馈转帐结果到支付服务器400。Step S205: The third-party payment gateway 500 returns the transfer result to the payment server 400 after completing the transfer payment process.
步骤S206：支付服务器400收到转帐结果后向邮件服务器300发送转帐结果邮件。Step S206: The payment server 400 transmits the transfer result mail to the mail server 300 after receiving the transfer result.
步骤S207：邮件服务器300向转帐发起方Email客户端100和转帐接收方Email客户端200分别发送转帐结果通知邮件。Step S207: The mail server 300 transmits a transfer result notification mail to the transfer originator email client 100 and the transfer recipient email client 200, respectively.
这样，利用上述本发明第二实施方式的基于Email的P2P数据处理方法，只需要在电子邮件客户端转入转帐插件即可，转帐方甚至无需知道收款人帐号信息也能够完成转帐，而且接收方也无需预先绑定邮件地址与帐号，这样能够简化转帐难度，而且，可以无缝地跨平台使用，PC、平板电脑、智能手机均支持电子邮件收发功能，能够利用这些平台通过发送邮件即可完成转帐手续，因此，具有操作简单、成本低廉、实用性高的优点。Thus, by using the email-based P2P data processing method of the second embodiment of the present invention, it is only necessary to transfer the transfer plug-in to the email client, and the transfer party can complete the transfer without even knowing the payee account information, and receive The party does not need to bind the email address and account number in advance, which simplifies the difficulty of transferring funds. Moreover, it can be used seamlessly across platforms. PCs, tablets, and smartphones all support email sending and receiving functions, and can use these platforms to send emails. The transfer procedure is completed, and therefore, it has the advantages of simple operation, low cost, and high practicability.
综上所述，本发明的基于Email的P2P数据处理系统以及数据处理方法具有简单、方便、安全、跨平台等特点，是对目前现有线上转账模式的有益补充，通过构建了一种基于Email的信用支付体系，解决了用户个人转账渠道不通畅的 难题。In summary, the Email-based P2P data processing system and the data processing method of the present invention are simple, convenient, secure, and cross-platform, and are useful supplements to the existing online transfer mode, and are constructed based on Email. The credit payment system solves the problem that the user's personal transfer channel is not smooth. problem.
以上例子主要说明了本发明的基于Email的P2P数据处理系统以及数据处理方法。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。 The above examples mainly illustrate the Email-based P2P data processing system and data processing method of the present invention. Although only a few of the specific embodiments of the present invention have been described, it is understood that the invention may be embodied in many other forms without departing from the spirit and scope of the invention. Accordingly, the present invention is to be construed as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined by the appended claims With replacement.

Claims (13)

  1. 一种基于Email的P2P数据处理方法，其特征在于，包括下述步骤：An email-based P2P data processing method, comprising the following steps:
    账户绑定步骤，将转帐发起方邮件地址与转帐发起方支付帐号绑定，将转帐接收方邮件地址与转帐接收方支付帐号绑定；In the account binding step, the transfer initiator email address is bound to the transfer initiator payment account, and the transfer recipient email address is bound to the transfer recipient payment account;
    转帐通知邮件发送步骤，转帐发起方Email客户端通过邮件服务器将转帐通知邮件发送至转帐接收方Email客户端，同时转帐发起方Email客户端向支付服务器发送转帐通知邮件；The transfer notification email sending step, the transfer initiator email client sends the transfer notification email to the transfer recipient email client through the mail server, and the transfer initiator email client sends the transfer notification email to the payment server;
    转帐指令发送步骤，支付服务器向根据转帐通知邮件第三方支付网关发送转帐指令；a transfer instruction sending step, the payment server sends a transfer instruction to the third-party payment gateway according to the transfer notification mail;
    转帐结果反馈步骤，第三方支付网关将转帐结果反馈到支付服务器；以及a transfer result feedback step, the third party payment gateway feeds back the transfer result to the payment server;
    转帐结果邮件通知步骤，邮件服务器将转帐结果邮件通知转帐发起方Email客户端和转帐接收方Email客户端。The transfer result mail notification step, the mail server notifies the transfer initiator email client and the transfer recipient email client of the transfer result email.
  2. 如权利要求1所述的P2P数据处理方法，其特征在于，The P2P data processing method according to claim 1, wherein
    在所述转帐通知邮件发送步骤中，转帐发起方Email客户端以密送方式向支付服务器发送转帐通知邮件。In the transfer notification mail sending step, the transfer initiator Email client sends a transfer notification mail to the payment server in a secret delivery manner.
  3. 如权利要求2所述的P2P数据处理方法，其特征在于，A P2P data processing method according to claim 2, wherein
    在所述转帐通知邮件发送步骤中，将至少包括转帐接收方邮件地址和转帐金额的转帐通知邮件发送至转帐接收方Email客户端和支付服务器。In the transfer notification mail transmission step, a transfer notification mail including at least the transfer recipient mail address and the transfer amount is transmitted to the transfer recipient Email client and the payment server.
  4. 如权利要求3所述的P2P数据处理方法，其特征在于，The P2P data processing method according to claim 3, wherein
    在所述转帐指令发送步骤中，支付服务器根据转帐通知邮件中包含的转帐接收方邮件地址查询对应的转帐接收方支付帐号，并且根据该支付帐号向第三方支付网关发送转帐指令。In the transfer instruction sending step, the payment server queries the corresponding transfer recipient payment account according to the transfer recipient mail address included in the transfer notification mail, and sends a transfer instruction to the third party payment gateway according to the payment account.
  5. 一种基于Email的P2P数据处理方法，其特征在于，包括下述步骤：An email-based P2P data processing method, comprising the following steps:
    转帐发起方账户绑定步骤，将转帐发起方邮件地址与转帐发起方支付帐号绑定；转帐通知邮件发送步骤，转帐发起方Email客户端通过邮件服务器将转帐通知邮件发送至转帐接收方Email客户端，同时转帐发起方Email客户端向支付服务器 发送转帐通知邮件；The transfer initiator account binding step binds the transfer initiator email address to the transfer initiator payment account; the transfer notification email is sent, and the transfer initiator Email client sends the transfer notification email to the transfer recipient Email client through the mail server. At the same time, the transfer initiator email client to the payment server Send a transfer notification email;
    转帐接收方账户绑定步骤，支付服务器向转帐接收方Email客户端发送转帐注册邮件，转帐接收方Email客户端通过邮件服务器将表示转帐接收方邮件地址与转帐接收方支付帐号之间的绑定关系的绑定转帐账户信息发送到支付服务器；The transfer recipient account binding step, the payment server sends a transfer registration email to the transfer recipient Email client, and the transfer recipient Email client will indicate the binding relationship between the transfer recipient email address and the transfer recipient payment account through the mail server. The binding transfer account information is sent to the payment server;
    转帐指令发送步骤，支付服务器根据所述转帐账户信息将转帐指令发送到第三方支付网关；a transfer instruction sending step, the payment server transmitting the transfer instruction to the third party payment gateway according to the transfer account information;
    转帐结果反馈步骤，第三方支付网关将转帐结果反馈到支付服务器；以及a transfer result feedback step, the third party payment gateway feeds back the transfer result to the payment server;
    转帐结果邮件通知步骤，邮件服务器将转帐结果邮件通知转帐发起方Email客户端和转帐接收方Email客户端。The transfer result mail notification step, the mail server notifies the transfer initiator email client and the transfer recipient email client of the transfer result email.
  6. 如权利要求5所述的P2P数据处理方法，其特征在于，The P2P data processing method according to claim 5, characterized in that
    在所述转帐通知邮件发送步骤中，转帐发起方Email客户端以密送方式向支付服务器发送转帐通知邮件。In the transfer notification mail sending step, the transfer initiator Email client sends a transfer notification mail to the payment server in a secret delivery manner.
  7. 如权利要求6所述的P2P数据处理方法，其特征在于，The P2P data processing method according to claim 6, wherein
    在所述转帐通知邮件发送步骤中，将至少包括转帐接收方邮件地址和转帐金额的转帐通知邮件发送至转帐接收方Email客户端和支付服务器。In the transfer notification mail transmission step, a transfer notification mail including at least the transfer recipient mail address and the transfer amount is transmitted to the transfer recipient Email client and the payment server.
  8. 如权利要求7所述的P2P数据处理方法，其特征在于，The P2P data processing method according to claim 7, wherein
    在所述转帐指令发送步骤中，支付服务器根据所述转帐账户信息中包含的转帐接收方邮件地址查询对应的转帐接收方支付帐号，并且根据该支付帐号向第三方支付网关发送转帐指令。In the transfer instruction sending step, the payment server queries the corresponding transfer recipient payment account according to the transfer recipient email address included in the transfer account information, and sends a transfer instruction to the third party payment gateway according to the payment account.
  9. 一种基于Email的P2P数据处理系统，其特征在于，包括：An email-based P2P data processing system, comprising:
    邮件服务器，用于提供邮件服务；a mail server for providing a mail service;
    转帐发起方Email客户端，与所述邮件服务器之间能够进行邮件收发并且具有转帐插件，能够以密送方式向支付服务器发送支付指令；The transfer initiator email client can send and receive mails with the mail server and has a transfer plug-in, and can send a payment instruction to the payment server in a secret delivery manner;
    转帐接收方Email客户端，与所述邮件服务器之间能够进行邮件收发；Transfer the recipient email client, and send and receive mail to and from the mail server;
    支付服务器，用于根据接所述支付指令向下述的第三方支付网关发送转帐指令并且将转帐结果反馈到所述邮件服务器；a payment server, configured to send a transfer instruction to the third-party payment gateway described below according to the payment instruction, and feed back the transfer result to the mail server;
    第三方支付网关，用于根据转帐指令实现转帐业务。A third-party payment gateway for implementing a transfer service according to a transfer instruction.
  10. 如权利要求9所述的基于Email的P2P数据处理系统，其特征在于，The email-based P2P data processing system of claim 9 wherein:
    所述转帐插件具备： The transfer plugin has:
    邮件客户端插件模块，用于管理所述支付服务器的客户端证书；a mail client plug-in module for managing a client certificate of the payment server;
    邮件管理模块，用于将邮件内容密送至所述支付服务器。a mail management module, configured to secretly deliver the mail content to the payment server.
  11. 如权利要求10所述的基于Email的P2P数据处理系统，其特征在于，The Email-based P2P data processing system of claim 10, wherein
    所述转帐接收方Email客户端也具有所述转帐插件。The transfer recipient Email client also has the transfer plugin.
  12. 如权利要求11所述的基于Email的P2P数据处理系统，其特征在于，The Email-based P2P data processing system of claim 11 wherein:
    所述转帐发起方Email客户端向支付服务器发送支付指令时利用所述支付服务器的客户端证书进行签名后发送，When the transfer initiator email client sends a payment instruction to the payment server, the client certificate of the payment server is used for signature and then sent.
    所述支付服务器在收到所述支付指令后进行解密之后向所述第三方支付网关发送转帐指令。The payment server sends a transfer instruction to the third party payment gateway after decrypting after receiving the payment instruction.
  13. 如权利要求12所述的基于Email的P2P数据处理系统，其特征在于，The Email-based P2P data processing system of claim 12, wherein
    所述支付服务器还用于根据转帐接收方邮件地址向所述转帐接收方Email客户端发送转帐注册邮件，The payment server is further configured to send a transfer registration email to the transfer recipient email client according to the transfer recipient email address,
    所述转帐接收方Email客户端还用于将表示转帐接收方邮件地址与转帐接收方支付帐号之间的绑定关系的绑定转帐账户信息发送到邮件服务器，The transfer recipient email client is further configured to send the binding transfer account information indicating the binding relationship between the transfer recipient email address and the transfer recipient payment account to the mail server.
    所述邮件服务器还用于将所述转帐账户信息发送到所述支付服务器。 The mail server is further configured to send the transfer account information to the payment server.
PCT/CN2014/091730 2013-12-10 2014-11-20 Email-based p2p data processing system and data processing method WO2015085852A1 (en)

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