CA2986799A1 - Network transaction refunding method and system - Google Patents
Network transaction refunding method and systemInfo
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- CA2986799A1 CA2986799A1 CA2986799A CA2986799A CA2986799A1 CA 2986799 A1 CA2986799 A1 CA 2986799A1 CA 2986799 A CA2986799 A CA 2986799A CA 2986799 A CA2986799 A CA 2986799A CA 2986799 A1 CA2986799 A1 CA 2986799A1
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- 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
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Abstract
A network transaction refunding method and system. The network transaction refunding method comprises: receiving a refund request information data packet sent by a second terminal and carrying a transaction sequence number (401); checking and analysing the refund request information data packet to obtain the transaction sequence number, and determining a corresponding paying account, receiving account and paying amount according to the transaction sequence number (402); establishing a connection with a first server corresponding to the paying account, and paying funds in the receiving account to the first server, the funds corresponding to the paying amount, so that the first server transfers the funds to the paying account (403). The system and method ensure the security of a network transaction refund.
Description
NETWORK TRANSACTION REFUNDING METHOD AND SYSTEM
Technical Field The invention relates to the field of communication technology, specifically, involving a refund method and system of online transactions.
Background Technology E-commerce has gradually become the main trend of internet economic development, online transactions has gradually become a way of life, on account of the merchants and users cannot achieve face-to-face payment settlement, so the most important part of e-commerce is to reduce the transactions risk between the buyers and sellers. At present, the traditional network payment is in, the form of guarantee provided by a third party payment company, the buyer or the payer will pay the funds to the third party platform and it will transfer funds to the receiving account of the seller after confirming the receipt.
After completing the transaction, if a refund occurs, there will be two traditional refund methods: the first one is that the seller will return the funds of refunded to the third party payment platform, and the payment will be returned to the buyer through the third-party payment platform.
Or the buyer will directly provide the bank account to the seller, which will transfer the payment into the bank account. The first refund method is used for payment through the third party payment platform, once the third party payment platform has a problem, the refund of both parties will not guaranteed, while the second method that the buyer directly provides the bank account related to the personal private information to the seller, causing unnecessary troubles to the buyer. Therefore the traditional refund method of online transactions cannot guarantee a safe refund.
Summary of the Invention Based on the above situations, it is necessary to provide a refund method and system of online transactions which can realize the safe refund.
An online transaction refund method, which is applied to a second server, including:
Receive the information data packet of refund with the transaction sequence delivered by the second terminal.
Obtain the transaction sequence by checking and analysing the information data packet of refund, determining the related payment account, receiving account and payment amount according to the transaction sequence;
Establish the connection between the payment account corresponding to the first server and pay the funds corresponding to the payment amount in the receiving account to the first server and later it transfers the related funds to receiving account.
A refund method of online transactions, which is applied into the first server, the method comprising: make connection with the second server and the second server determines the corresponding payment account, receiving account and payment amount.
Obtain the funds corresponding to the payment amount in the receiving account paid by the second server and transfer the funds into the receiving account.
A refund system of online transaction including:
The second terminal is used for obtaining the transaction sequence and delivering the information data packet for refund with the transaction sequence to the second server.
A second server is used to check the information data packet of the related refund request, obtaining the corresponding transaction sequence and determining the payment account, receiving account and the payment amount according to the transaction sequence.
The second server is also used for establishing the connection between the payment account and first server, and transferring the funds corresponding to the payment account in the receiving account to the first server;
A first server is used for transferring the funds into the receiving account.
The above-mentioned refund method and system in online transactions is based on that the first server can obtain payment account and amount according to the information sequence, the first server transfers the funds of payment amount into the payment account to complete the refund of online transactions by the first server. During the whole refund process, the seller corresponding to the second terminal can't obtain the payment account of the buyer, it guarantees the private account information of the buyer will not leaked, and the refund process don't need the third party payment platform so that the security of the online transactions is guaranteed.
Brief Description Figure 1 shows an example of a schematic diagram of refund system for online transaction;
Figure 2 shows another example of a schematic diagram of refund system for online transactions;
Figure 3 shows an example of the application scenario of refund system for online transactions;
Figure 4 shows an example of a flowchart of refund method for online transactions;
Figure 5 shows another example of a flowchart of the refund method for online transactions;
Figure 6 is a flowchart of refund method in online transactions in one example;
Figure 7 shows another example a flowchart of the refund method for online transactions;
Description of the Preferred Embodiments The present invention will be described in further detail with reference to the accompanying drawings and the accompanying examples, so as to describe the invention purposes, technical
Technical Field The invention relates to the field of communication technology, specifically, involving a refund method and system of online transactions.
Background Technology E-commerce has gradually become the main trend of internet economic development, online transactions has gradually become a way of life, on account of the merchants and users cannot achieve face-to-face payment settlement, so the most important part of e-commerce is to reduce the transactions risk between the buyers and sellers. At present, the traditional network payment is in, the form of guarantee provided by a third party payment company, the buyer or the payer will pay the funds to the third party platform and it will transfer funds to the receiving account of the seller after confirming the receipt.
After completing the transaction, if a refund occurs, there will be two traditional refund methods: the first one is that the seller will return the funds of refunded to the third party payment platform, and the payment will be returned to the buyer through the third-party payment platform.
Or the buyer will directly provide the bank account to the seller, which will transfer the payment into the bank account. The first refund method is used for payment through the third party payment platform, once the third party payment platform has a problem, the refund of both parties will not guaranteed, while the second method that the buyer directly provides the bank account related to the personal private information to the seller, causing unnecessary troubles to the buyer. Therefore the traditional refund method of online transactions cannot guarantee a safe refund.
Summary of the Invention Based on the above situations, it is necessary to provide a refund method and system of online transactions which can realize the safe refund.
An online transaction refund method, which is applied to a second server, including:
Receive the information data packet of refund with the transaction sequence delivered by the second terminal.
Obtain the transaction sequence by checking and analysing the information data packet of refund, determining the related payment account, receiving account and payment amount according to the transaction sequence;
Establish the connection between the payment account corresponding to the first server and pay the funds corresponding to the payment amount in the receiving account to the first server and later it transfers the related funds to receiving account.
A refund method of online transactions, which is applied into the first server, the method comprising: make connection with the second server and the second server determines the corresponding payment account, receiving account and payment amount.
Obtain the funds corresponding to the payment amount in the receiving account paid by the second server and transfer the funds into the receiving account.
A refund system of online transaction including:
The second terminal is used for obtaining the transaction sequence and delivering the information data packet for refund with the transaction sequence to the second server.
A second server is used to check the information data packet of the related refund request, obtaining the corresponding transaction sequence and determining the payment account, receiving account and the payment amount according to the transaction sequence.
The second server is also used for establishing the connection between the payment account and first server, and transferring the funds corresponding to the payment account in the receiving account to the first server;
A first server is used for transferring the funds into the receiving account.
The above-mentioned refund method and system in online transactions is based on that the first server can obtain payment account and amount according to the information sequence, the first server transfers the funds of payment amount into the payment account to complete the refund of online transactions by the first server. During the whole refund process, the seller corresponding to the second terminal can't obtain the payment account of the buyer, it guarantees the private account information of the buyer will not leaked, and the refund process don't need the third party payment platform so that the security of the online transactions is guaranteed.
Brief Description Figure 1 shows an example of a schematic diagram of refund system for online transaction;
Figure 2 shows another example of a schematic diagram of refund system for online transactions;
Figure 3 shows an example of the application scenario of refund system for online transactions;
Figure 4 shows an example of a flowchart of refund method for online transactions;
Figure 5 shows another example of a flowchart of the refund method for online transactions;
Figure 6 is a flowchart of refund method in online transactions in one example;
Figure 7 shows another example a flowchart of the refund method for online transactions;
Description of the Preferred Embodiments The present invention will be described in further detail with reference to the accompanying drawings and the accompanying examples, so as to describe the invention purposes, technical
2 solutions and advantages more clearly. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in Figure 1, there is a refund system used for online transactions in one example, and the system includes the second terminal 11, the second server 12 and the first server 13.
The second terminal 11 for acquiring the transaction sequence and delivering the refund "request information packet" carrying the transaction serial number to the second server 12.
The second terminal 11 is used for the seller in the online transactions. The second server 12 sets a payment account corresponding to the seller, and the second server 12 is used to transfer the payment account corresponding to the buyer into the receiving account during the transaction process; and the funds in the payment account will be refunded to the payment account. The transaction sequence is the only identification to identify the generation of online transactions between the buyer and the seller. The transaction sequence is associated with all the transaction data generated in the transactions. The transaction data packet includes the buyer's corresponding payment account, the sellers corresponding receiving account and payment amount, etc.
The two party reached the refund agreement by communication after the completion of the transactions. The seller completes the refund process through the second terminal 11. Specifically, the second terminal 11 acquires the corresponding transaction sequence related to the refund transaction and obtains the required information to complete the refund transaction according to transaction sequence. The second terminal 11 sends the refund request information data packet to the second server 12 and asks the second server 12 to complete the refund operation.
The second server 12 is used to check and analysis the information data packet of the refund request and obtain the transaction sequence, determining the payment account, receiving account and payment amount according to the transaction sequence.
The second server 12 is also used to establish a connection between the first server 13 and the corresponding payment account, and transferring the corresponding funds in the payment account and payment amount receiving payment to the first server 13.
The first server 13 is used to transfer the funds into the receiving account.
In this example, the first server 13 sets the payment account corresponding payment to the buyer. The first server 13 is used to spend the payment from the payment account in the transactions process and transfers the funds after refunding to the payment account during the refund process.
The second server 12 checks the information data packet of the refund request to ensure the request of refund is authentic and legal. After checking, the transaction sequence is obtained by analysing the refund request of the information data packet. Furthermore, determining the payment account of the buyer, the receiving account of the seller and payment account (refund) according to the transaction data related with the transaction sequence. The second server 12 is connected with the
As shown in Figure 1, there is a refund system used for online transactions in one example, and the system includes the second terminal 11, the second server 12 and the first server 13.
The second terminal 11 for acquiring the transaction sequence and delivering the refund "request information packet" carrying the transaction serial number to the second server 12.
The second terminal 11 is used for the seller in the online transactions. The second server 12 sets a payment account corresponding to the seller, and the second server 12 is used to transfer the payment account corresponding to the buyer into the receiving account during the transaction process; and the funds in the payment account will be refunded to the payment account. The transaction sequence is the only identification to identify the generation of online transactions between the buyer and the seller. The transaction sequence is associated with all the transaction data generated in the transactions. The transaction data packet includes the buyer's corresponding payment account, the sellers corresponding receiving account and payment amount, etc.
The two party reached the refund agreement by communication after the completion of the transactions. The seller completes the refund process through the second terminal 11. Specifically, the second terminal 11 acquires the corresponding transaction sequence related to the refund transaction and obtains the required information to complete the refund transaction according to transaction sequence. The second terminal 11 sends the refund request information data packet to the second server 12 and asks the second server 12 to complete the refund operation.
The second server 12 is used to check and analysis the information data packet of the refund request and obtain the transaction sequence, determining the payment account, receiving account and payment amount according to the transaction sequence.
The second server 12 is also used to establish a connection between the first server 13 and the corresponding payment account, and transferring the corresponding funds in the payment account and payment amount receiving payment to the first server 13.
The first server 13 is used to transfer the funds into the receiving account.
In this example, the first server 13 sets the payment account corresponding payment to the buyer. The first server 13 is used to spend the payment from the payment account in the transactions process and transfers the funds after refunding to the payment account during the refund process.
The second server 12 checks the information data packet of the refund request to ensure the request of refund is authentic and legal. After checking, the transaction sequence is obtained by analysing the refund request of the information data packet. Furthermore, determining the payment account of the buyer, the receiving account of the seller and payment account (refund) according to the transaction data related with the transaction sequence. The second server 12 is connected with the
3 first server 13, the second server 12 will pay the funds of payment amount corresponding to the receiving account to the first server 13, and then transfers the funds to the payment account through the first server 13 to complete the refunds of the seller to the buyer.
The above-mentioned refund system in online transactions is based on that the second server 12 can obtain payment account and amount according to the transaction sequence, the first server 13 transfers the funds of payment amount into the payment account to complete the refund of online transactions. During the whole refund process, the seller corresponding to the second terminal 11 can't obtain the payment account of the buyer, it guarantees that the private account information of the buyer will not leaked, and the refund process don't need the third party payment platform so that the security of the online transactions is guaranteed.
As shown in Figure 2, in one example, the function of the system also comprises that the first server 13 also used to generate a successful message of refund after the funds has been transferred to the receiving account. The first terminal 14 is used for receiving a successful message of refund delivered by the first server 13.
The buyer in the online transactions corresponding to the first terminal 14 can communicate with the seller of the second terminal 11 through the first terminal 14, and the both party can reach the agreement on the refund in the online transactions through the first terminal 14 and the second terminal 11. After the second server 12 transfers the funds of payment amount in the receiving account to the payment account successfully, the second server 12 generates the successful message of refund and delivers it to the first terminal 14 to remind the buyer of the completion of refund.
In one example, the first terminal 14 is also used to generate the purchase information data and its corresponding transaction sequence of purchase information data packet, delivers the later and the transaction sequence to the second terminal 11.
The buyer and the seller trade on the network, the first terminal 14 generates the purchase order based on the commodity shopping information submitted by the user and calculates the payment amount required for the purchase of the purchasing the ordered commodity, generates the purchase information data packet based on the payment amount, and further generates the only confirmed transaction sequence based on purchase information data packet; and delivers the information data packet and transaction sequence to the second terminal 11 corresponding to the seller, and makes a purchase request to the seller.
The second terminal 11 is also used to analyse the purchase information data packet and obtains the payment amount, generates the receiving request information data packet according to the payment amount, and delivers the receiving request information packet and transaction sequence to the second server 12.
The second server 12 is used to generate the receiving request information packet based on the
The above-mentioned refund system in online transactions is based on that the second server 12 can obtain payment account and amount according to the transaction sequence, the first server 13 transfers the funds of payment amount into the payment account to complete the refund of online transactions. During the whole refund process, the seller corresponding to the second terminal 11 can't obtain the payment account of the buyer, it guarantees that the private account information of the buyer will not leaked, and the refund process don't need the third party payment platform so that the security of the online transactions is guaranteed.
As shown in Figure 2, in one example, the function of the system also comprises that the first server 13 also used to generate a successful message of refund after the funds has been transferred to the receiving account. The first terminal 14 is used for receiving a successful message of refund delivered by the first server 13.
The buyer in the online transactions corresponding to the first terminal 14 can communicate with the seller of the second terminal 11 through the first terminal 14, and the both party can reach the agreement on the refund in the online transactions through the first terminal 14 and the second terminal 11. After the second server 12 transfers the funds of payment amount in the receiving account to the payment account successfully, the second server 12 generates the successful message of refund and delivers it to the first terminal 14 to remind the buyer of the completion of refund.
In one example, the first terminal 14 is also used to generate the purchase information data and its corresponding transaction sequence of purchase information data packet, delivers the later and the transaction sequence to the second terminal 11.
The buyer and the seller trade on the network, the first terminal 14 generates the purchase order based on the commodity shopping information submitted by the user and calculates the payment amount required for the purchase of the purchasing the ordered commodity, generates the purchase information data packet based on the payment amount, and further generates the only confirmed transaction sequence based on purchase information data packet; and delivers the information data packet and transaction sequence to the second terminal 11 corresponding to the seller, and makes a purchase request to the seller.
The second terminal 11 is also used to analyse the purchase information data packet and obtains the payment amount, generates the receiving request information data packet according to the payment amount, and delivers the receiving request information packet and transaction sequence to the second server 12.
The second server 12 is used to generate the receiving request information packet based on the
4 receiving request information data packet and delivers the payment request information packet and transaction sequence to the first server 13.
In the example, the first server 13 is used to freeze, release, and transfer the funds corresponding to the payment account. The buyer corresponding to the first terminal 14 pre-sets the payment account for the funds which is required to purchase the commodity by the first server 13 in advance. The second server 12 is used to transfer the received funds to the receiving account. The seller corresponding to the second terminal 11 pre-sets the receiving account of the received payment for commodity by the second server 12 in advance.
In one example, the payment account and the receiving account can be a bank account or a third party account, for example, Alipay or Tenpay account.
The second terminal 11 delivers the receiving request information data packet to the second server 12, and the second server 12 requests the first server 14 which is corresponding to the first terminal 13 to pay the payment of the commodity. In one example, if the funds involved in the online transaction does not belong to the default currency, the payment request information data packet also includes the currency information corresponding to the payment amount.
The first server 13 is also used to analyse the payment request information data packet and obtains the payment amount, freezes and pre-sets the funds corresponding to the payment amount in the payment account. In this example, the frozen funds will be used to pay for the purchase of commodity in the information data package. Since the frozen funds are not available before releasing, therefore, it is guaranteed that the buyer has sufficient funds to pay for the commodity, providing a guarantee for the seller's delivery. At the same time, the funds is only freeze temporarily and is not pay for the commodity from the payment account before the commodity is received, it is ensured the security of the buyer's funds.
The second server 12 is also used to deliver the paying information data packet to the first server 13.
The first server 13 is also used to check the validity of the paying information data packet, releasing the funds after checking, and the funds will be delivered to the second server 12, and establish the mapping relationship among the payment account, payment amount and transaction sequence.
The second server 12 is also used to establish the mapping relationship among the receiving account, payment amount and transaction sequence. In one example, after confirming the commodity which have been signed contained in the purchase information data packet, the seller needs to ask the buyer to pay. Specifically, the paying information data packet is delivered by the second server 12 to the first server 13. The paying information data packet includes the confirmation of receiving information of the commodity signed by the user, the first server 13 checks the validity of the payment information data packet in order to prevent the data from being tampered, and if the validity is legal, the frozen funds will be released and then deliver to the second server 12 to complete the online transaction. The payment of the seller which corresponding to the second terminal 11 is paid directly by the frozen property of the buyer's payment account, not paid by the third party platform, thus ensuring the security of the seller's funds.
In one example, the first server 13 is also used to deliver the commitment payment messages generated after the funds of the payment amount was successfully frozen to the first terminal 14 and the second server 12 respectively.
The second server 12 is also used to deliver a commitment payment information to the second terminal 11.
The second terminal 11 is also used to generate the delivery prompt information according to the commitment payment information.
In this example, the first server 13 will query the available amount of the payment account, determine whether the available amount is equal or larger than the payment amount. If so, the funds with the same amount of payment will be frozen so as to pay for the purchase of the commodity. If not, an information that fails to freeze the money is generated and the information is deliver to the first terminal 14 and the second server 12. The buyer and the seller will know that the account balance is insufficient and the commodity purchase transaction fails.
When the funds of the payment amount are successfully frozen, the first server 13 will generate a commitment payment information and deliver it to the first terminal 14 and the second server 12. The payer will learn that his funds was frozen in the payment account according to the promised payment information. The payee will learn that the buyer has enough money to buy commodity through the commitment payment information delivered from the second server 12 to the second server 11. The payer will remind the seller to arrange timely delivery through the delivery prompt information.
In one example, the purchase information data packet also contains a purchase order; the second terminal 11 is also used to deliver the purchase order to the logistics server. The first terminal 14 and the second terminal 11 are also used to receive the delivery information of the commodity delivered by the purchase order delivered by the logistics server, and the delivery information includes the logistics number.
In this example, the purchase order includes commodity type, style, and quantity and other commodity parameters, it also includes contact information such as contact name, address, and telephone number and other contract information. The second terminal 11 delivers the shopping order to the logistics server to arrange the delivery by the logistics company's staff. The delivery information after the commodity is delivered will be recorded in the logistics server, which will send the logistics number of the commodity after the corresponding logistic single number deliver to the first terminal 14 and the second terminal 11, it will be convenient for the buyers and sellers to facilitate the logistics monitoring.
In one example, the second terminal 11 is also used to receive a confirmation receiving message of the commodity delivered by the logistics server and generates a paying information data packet based on the confirmed receiving information. The second terminal 11 is also used to deliver the paying information data packet to the second server 12.
After the commodity is signed by the user, the logistics company's staff will enter the signed information into the logistics server, including signatures of the signers, the time of the receipt and other information. The commodity purchased by the buyers have been signed by the user, at this time the buyers need to pay for the purchase of commodity. In the example, the logistics server will deliver the information of the receipt confirmation signed by the user to the second terminal 11, the first terminal 11 will deliver the receipt information to the second terminal 12, and the second server 12 delivers the paying information data packet to the first server 13, then the first server 13 completes the transaction payment.
In the refund system of the above-mentioned online transaction, the first server 13 determines whether to cancel the funds and complete the payment based on the confirmation receipt of the buyer's signed goods, and does not need to be paid by the buyer to confirm the receipt of the commodities .Terminal 11 corresponding to the recipient in a timely manner to receive payment, reducing the risk of the recipient's funds.
In one example, in order to protect the data security in the online transaction, preventing the data leakage or the data packet being tampered after hacking. The purchase information data packet, the receiving request information packet, the payment request information packet and the payment information data packet are encrypted in the transmission process, that is to say, the above data packet contains the encryption section. Specifically, the above data packet contains the encryption section using the MAC algorithm for encryption.
As shown in Figure 3, in one example, the buyer A and the seller B perform an on-line shopping transaction, in which the buyer A corresponds to the terminal 31, the seller B corresponds to the terminal 33; the server 32 is arranged at the bank of the buyer A's payment account, the server 34 is arranged at the bank of the seller's payment account. It is clear from the figure that the buyer and the seller can improve the security of the funds in online transaction without going through the third payment platform, and the same time the buyer A and the seller B have reached the refund agreement without having to know the buyer A bank Account of the case of private information does not pass a third party payment platform to complete the refund to protect the refund security.
As shown in Figure. 4, it provide a refund method in online transaction, where is applied to refund system of online transaction in an example, the method includes the following steps:
In step 401, receiving the information data packet of refund request with the transaction sequence delivered by the second terminal.
In step 402, obtaining the transaction sequence by checking and analysing the information data packet of refund request, determining the related payment account, receiving account and payment amount according to the transaction sequence.
In step 403, establishing a connection between the first server corresponding to the payment account, and transferring the corresponding funds in the receiving account and payment amount to the first server. In this example, the first server transfers the funds into the receiving account.
In one example, as shown in Figure 5, at step 401, before receiving the information data packet of refund request with the transaction sequence delivered by the second terminal. The method also includes:
In step 501, receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
In the step 502, generates a payment request information data packet based on the receiving request information data packet, and delivers the payment request information data packet and transaction sequence to the first server.
In this example, the first server is used to analyse the payment request information data packet and obtains the payment amount, freezes and pre-sets the funds corresponding to the payment amount in the payment account.
In step 503, delivers the paying information data packet to the first server.
In this example, the first server checks the validity of the payment information data packet, releases the frozen funds after checking.
In step 504, obtaining the funds paid by the first server and transferring the funds to the pre-set receiving account.
In step 505, establish the mapping relationship among the receiving account, payment amount and transaction sequence.
In one example, the method also includes: receiving a commitment payment information generated by the first server freezing the funds of the payment amount;
delivers the commitment payment information to the second terminal, the second terminal generates the delivery prompt information based on the commitment payment information.
As shown in Figure 6, it provide a refund method in online transaction in an example, where is applied to refund system of first server in online transaction, the method includes the following steps:
In step 601, establishing a connection with the second server. In the present example, the second server determines the corresponding payment account, the receiving account and the payment amount according to the transaction sequence.
Step 602, obtaining the funds corresponding to the payment amount in the receiving account paid by the second server.
Step 603, transferring the funds into the receiving account.
In an example, at step 603, after transferring the funds into the receiving account, the refund methods also including: generating the successful information of refund and delivering it to the first terminal.
As shown in Figure 7, in one example, the refund methods in online transactions also includes:
In step 701, receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
In step 702, analysing the payment request information data packet and obtains the payment amount, freezing and pre-setting the funds corresponding to the payment amount in the payment account.
In step 703, receiving the paying information packet delivered by the second server.
In step 704, checking the validity of the paying information data packet and releases the funds after checking and the released funds is transferred to the second server.
In step 705, establishing the mapping relationship among the receiving account, payment amount and transaction sequence.
In an example, the information data packet of the purchase also comprises a purchase order; at step 702, freezing and pre-setting the funds corresponding to the payment amount in the payment account, the refund method in online transactions also includes:
The second terminal deliveries the shopping order to the logistics server; the first terminal and the second terminal receive the delivery information of the commodities that have been shipped corresponding to the shopping order delivered by the logistics server, and the delivery information includes the logistics number.
In one example, after the first terminal and the second terminal receive the delivery information of the merchandise that has been shipped with the shopping order corresponding to the delivery order delivered by the logistics server, it further comprises:
The second terminal receives a confirmation receiving message of the commodity signed by the user delivered by the logistics server and generates a paying information data packet based on the confirmed receiving information. The second terminal delivers the paying information data packet to the second server.
In one example, the method also including: the step of encrypting the purchase information data packet, and the receiving request information data packet, the payment request information data packet and the payment information data packet.
In one example, in order to protect the data security in the online transaction, preventing the data leakage or the data packet being tampered after hacking. The purchase information data packet, the receiving request information packet, the payment request information packet and the payment information data packet are encrypted in the transmission process, that is to say, the above data packet contains the encryption section. Specifically, the above data packet contains the encryption section using the MAC algorithm for encryption.
The ordinary technicians in the field that can understand and implement all or part of the processes in the above mentioned method of the examples which can be accomplished by means of a computer program that can be stored in a computer-readable storage medium.
The program may, when executed, include flows of all examples as described above. Among them, the storage medium can be a magnetic disk, CD, a read-only memory (ROM) and other non-volatile storage media or random access memory (RAM), etc.
The characteristics of technology in the above examples can be arbitrarily combined. In order to simplify the description, it does not describe all the possible combinations of the various characteristics of technology, however, as long as the combination of these characteristics of technology are not conflict, it should be considered in the scope of this manual records.
The above example only expresses several examples of the invention, and its descriptions are more specific and detailed, however, it cannot to be considered as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protection scope of the present invention. Accordingly, the protection scope of patent of the present invention should be measured by the appended claims.
In the example, the first server 13 is used to freeze, release, and transfer the funds corresponding to the payment account. The buyer corresponding to the first terminal 14 pre-sets the payment account for the funds which is required to purchase the commodity by the first server 13 in advance. The second server 12 is used to transfer the received funds to the receiving account. The seller corresponding to the second terminal 11 pre-sets the receiving account of the received payment for commodity by the second server 12 in advance.
In one example, the payment account and the receiving account can be a bank account or a third party account, for example, Alipay or Tenpay account.
The second terminal 11 delivers the receiving request information data packet to the second server 12, and the second server 12 requests the first server 14 which is corresponding to the first terminal 13 to pay the payment of the commodity. In one example, if the funds involved in the online transaction does not belong to the default currency, the payment request information data packet also includes the currency information corresponding to the payment amount.
The first server 13 is also used to analyse the payment request information data packet and obtains the payment amount, freezes and pre-sets the funds corresponding to the payment amount in the payment account. In this example, the frozen funds will be used to pay for the purchase of commodity in the information data package. Since the frozen funds are not available before releasing, therefore, it is guaranteed that the buyer has sufficient funds to pay for the commodity, providing a guarantee for the seller's delivery. At the same time, the funds is only freeze temporarily and is not pay for the commodity from the payment account before the commodity is received, it is ensured the security of the buyer's funds.
The second server 12 is also used to deliver the paying information data packet to the first server 13.
The first server 13 is also used to check the validity of the paying information data packet, releasing the funds after checking, and the funds will be delivered to the second server 12, and establish the mapping relationship among the payment account, payment amount and transaction sequence.
The second server 12 is also used to establish the mapping relationship among the receiving account, payment amount and transaction sequence. In one example, after confirming the commodity which have been signed contained in the purchase information data packet, the seller needs to ask the buyer to pay. Specifically, the paying information data packet is delivered by the second server 12 to the first server 13. The paying information data packet includes the confirmation of receiving information of the commodity signed by the user, the first server 13 checks the validity of the payment information data packet in order to prevent the data from being tampered, and if the validity is legal, the frozen funds will be released and then deliver to the second server 12 to complete the online transaction. The payment of the seller which corresponding to the second terminal 11 is paid directly by the frozen property of the buyer's payment account, not paid by the third party platform, thus ensuring the security of the seller's funds.
In one example, the first server 13 is also used to deliver the commitment payment messages generated after the funds of the payment amount was successfully frozen to the first terminal 14 and the second server 12 respectively.
The second server 12 is also used to deliver a commitment payment information to the second terminal 11.
The second terminal 11 is also used to generate the delivery prompt information according to the commitment payment information.
In this example, the first server 13 will query the available amount of the payment account, determine whether the available amount is equal or larger than the payment amount. If so, the funds with the same amount of payment will be frozen so as to pay for the purchase of the commodity. If not, an information that fails to freeze the money is generated and the information is deliver to the first terminal 14 and the second server 12. The buyer and the seller will know that the account balance is insufficient and the commodity purchase transaction fails.
When the funds of the payment amount are successfully frozen, the first server 13 will generate a commitment payment information and deliver it to the first terminal 14 and the second server 12. The payer will learn that his funds was frozen in the payment account according to the promised payment information. The payee will learn that the buyer has enough money to buy commodity through the commitment payment information delivered from the second server 12 to the second server 11. The payer will remind the seller to arrange timely delivery through the delivery prompt information.
In one example, the purchase information data packet also contains a purchase order; the second terminal 11 is also used to deliver the purchase order to the logistics server. The first terminal 14 and the second terminal 11 are also used to receive the delivery information of the commodity delivered by the purchase order delivered by the logistics server, and the delivery information includes the logistics number.
In this example, the purchase order includes commodity type, style, and quantity and other commodity parameters, it also includes contact information such as contact name, address, and telephone number and other contract information. The second terminal 11 delivers the shopping order to the logistics server to arrange the delivery by the logistics company's staff. The delivery information after the commodity is delivered will be recorded in the logistics server, which will send the logistics number of the commodity after the corresponding logistic single number deliver to the first terminal 14 and the second terminal 11, it will be convenient for the buyers and sellers to facilitate the logistics monitoring.
In one example, the second terminal 11 is also used to receive a confirmation receiving message of the commodity delivered by the logistics server and generates a paying information data packet based on the confirmed receiving information. The second terminal 11 is also used to deliver the paying information data packet to the second server 12.
After the commodity is signed by the user, the logistics company's staff will enter the signed information into the logistics server, including signatures of the signers, the time of the receipt and other information. The commodity purchased by the buyers have been signed by the user, at this time the buyers need to pay for the purchase of commodity. In the example, the logistics server will deliver the information of the receipt confirmation signed by the user to the second terminal 11, the first terminal 11 will deliver the receipt information to the second terminal 12, and the second server 12 delivers the paying information data packet to the first server 13, then the first server 13 completes the transaction payment.
In the refund system of the above-mentioned online transaction, the first server 13 determines whether to cancel the funds and complete the payment based on the confirmation receipt of the buyer's signed goods, and does not need to be paid by the buyer to confirm the receipt of the commodities .Terminal 11 corresponding to the recipient in a timely manner to receive payment, reducing the risk of the recipient's funds.
In one example, in order to protect the data security in the online transaction, preventing the data leakage or the data packet being tampered after hacking. The purchase information data packet, the receiving request information packet, the payment request information packet and the payment information data packet are encrypted in the transmission process, that is to say, the above data packet contains the encryption section. Specifically, the above data packet contains the encryption section using the MAC algorithm for encryption.
As shown in Figure 3, in one example, the buyer A and the seller B perform an on-line shopping transaction, in which the buyer A corresponds to the terminal 31, the seller B corresponds to the terminal 33; the server 32 is arranged at the bank of the buyer A's payment account, the server 34 is arranged at the bank of the seller's payment account. It is clear from the figure that the buyer and the seller can improve the security of the funds in online transaction without going through the third payment platform, and the same time the buyer A and the seller B have reached the refund agreement without having to know the buyer A bank Account of the case of private information does not pass a third party payment platform to complete the refund to protect the refund security.
As shown in Figure. 4, it provide a refund method in online transaction, where is applied to refund system of online transaction in an example, the method includes the following steps:
In step 401, receiving the information data packet of refund request with the transaction sequence delivered by the second terminal.
In step 402, obtaining the transaction sequence by checking and analysing the information data packet of refund request, determining the related payment account, receiving account and payment amount according to the transaction sequence.
In step 403, establishing a connection between the first server corresponding to the payment account, and transferring the corresponding funds in the receiving account and payment amount to the first server. In this example, the first server transfers the funds into the receiving account.
In one example, as shown in Figure 5, at step 401, before receiving the information data packet of refund request with the transaction sequence delivered by the second terminal. The method also includes:
In step 501, receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
In the step 502, generates a payment request information data packet based on the receiving request information data packet, and delivers the payment request information data packet and transaction sequence to the first server.
In this example, the first server is used to analyse the payment request information data packet and obtains the payment amount, freezes and pre-sets the funds corresponding to the payment amount in the payment account.
In step 503, delivers the paying information data packet to the first server.
In this example, the first server checks the validity of the payment information data packet, releases the frozen funds after checking.
In step 504, obtaining the funds paid by the first server and transferring the funds to the pre-set receiving account.
In step 505, establish the mapping relationship among the receiving account, payment amount and transaction sequence.
In one example, the method also includes: receiving a commitment payment information generated by the first server freezing the funds of the payment amount;
delivers the commitment payment information to the second terminal, the second terminal generates the delivery prompt information based on the commitment payment information.
As shown in Figure 6, it provide a refund method in online transaction in an example, where is applied to refund system of first server in online transaction, the method includes the following steps:
In step 601, establishing a connection with the second server. In the present example, the second server determines the corresponding payment account, the receiving account and the payment amount according to the transaction sequence.
Step 602, obtaining the funds corresponding to the payment amount in the receiving account paid by the second server.
Step 603, transferring the funds into the receiving account.
In an example, at step 603, after transferring the funds into the receiving account, the refund methods also including: generating the successful information of refund and delivering it to the first terminal.
As shown in Figure 7, in one example, the refund methods in online transactions also includes:
In step 701, receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
In step 702, analysing the payment request information data packet and obtains the payment amount, freezing and pre-setting the funds corresponding to the payment amount in the payment account.
In step 703, receiving the paying information packet delivered by the second server.
In step 704, checking the validity of the paying information data packet and releases the funds after checking and the released funds is transferred to the second server.
In step 705, establishing the mapping relationship among the receiving account, payment amount and transaction sequence.
In an example, the information data packet of the purchase also comprises a purchase order; at step 702, freezing and pre-setting the funds corresponding to the payment amount in the payment account, the refund method in online transactions also includes:
The second terminal deliveries the shopping order to the logistics server; the first terminal and the second terminal receive the delivery information of the commodities that have been shipped corresponding to the shopping order delivered by the logistics server, and the delivery information includes the logistics number.
In one example, after the first terminal and the second terminal receive the delivery information of the merchandise that has been shipped with the shopping order corresponding to the delivery order delivered by the logistics server, it further comprises:
The second terminal receives a confirmation receiving message of the commodity signed by the user delivered by the logistics server and generates a paying information data packet based on the confirmed receiving information. The second terminal delivers the paying information data packet to the second server.
In one example, the method also including: the step of encrypting the purchase information data packet, and the receiving request information data packet, the payment request information data packet and the payment information data packet.
In one example, in order to protect the data security in the online transaction, preventing the data leakage or the data packet being tampered after hacking. The purchase information data packet, the receiving request information packet, the payment request information packet and the payment information data packet are encrypted in the transmission process, that is to say, the above data packet contains the encryption section. Specifically, the above data packet contains the encryption section using the MAC algorithm for encryption.
The ordinary technicians in the field that can understand and implement all or part of the processes in the above mentioned method of the examples which can be accomplished by means of a computer program that can be stored in a computer-readable storage medium.
The program may, when executed, include flows of all examples as described above. Among them, the storage medium can be a magnetic disk, CD, a read-only memory (ROM) and other non-volatile storage media or random access memory (RAM), etc.
The characteristics of technology in the above examples can be arbitrarily combined. In order to simplify the description, it does not describe all the possible combinations of the various characteristics of technology, however, as long as the combination of these characteristics of technology are not conflict, it should be considered in the scope of this manual records.
The above example only expresses several examples of the invention, and its descriptions are more specific and detailed, however, it cannot to be considered as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protection scope of the present invention. Accordingly, the protection scope of patent of the present invention should be measured by the appended claims.
Claims (10)
1. A refund method of an online transactions, which is applied to the second server, including:
Receive the information data packet of refund with the transaction sequence delivered by the second terminal.
Obtain the transaction sequence by checking and analysing the information data packet of refund request, determining the related payment account, receiving account and payment amount according to the transaction sequence;
Establish the connection between the payment account corresponding to the first server and pay the funds corresponding to the payment amount in the receiving account to the first server and later it transfers the related funds to receiving account.
Receive the information data packet of refund with the transaction sequence delivered by the second terminal.
Obtain the transaction sequence by checking and analysing the information data packet of refund request, determining the related payment account, receiving account and payment amount according to the transaction sequence;
Establish the connection between the payment account corresponding to the first server and pay the funds corresponding to the payment amount in the receiving account to the first server and later it transfers the related funds to receiving account.
2. According to the method of claim 1, the characteristic is that before receiving the information data packet of the refund request with the transaction sequence delivered by the second terminal, the methods also including:
Receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
Generating a payment request information data packet according to the receiving request information data packet and delivering the payment request information data packet and transaction sequence to the first server so that the first server analyses the payment request information packet to obtain a payment amount, and freezes the funds corresponding to the payment amount in the payment amount;
Delivering the paying information data packet to the first server so that the first server checks the validity of the payment information data packet, releases the frozen funds after checking.
Obtaining the funds paid by the first server and transferring the funds to the pre-set receiving account;
Establishing the mapping relationship among the receiving account, payment amount and transaction sequence.
Receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
Generating a payment request information data packet according to the receiving request information data packet and delivering the payment request information data packet and transaction sequence to the first server so that the first server analyses the payment request information packet to obtain a payment amount, and freezes the funds corresponding to the payment amount in the payment amount;
Delivering the paying information data packet to the first server so that the first server checks the validity of the payment information data packet, releases the frozen funds after checking.
Obtaining the funds paid by the first server and transferring the funds to the pre-set receiving account;
Establishing the mapping relationship among the receiving account, payment amount and transaction sequence.
3. According to the method in claim 2, its characteristic of the method including:
Receiving a commitment payment information generated after the funds of the payment amount is successfully frozen by the first server;
Delivering the commitment payment message to the second terminal; the second terminal generates the delivery prompt information according to the commitment payment information.
Receiving a commitment payment information generated after the funds of the payment amount is successfully frozen by the first server;
Delivering the commitment payment message to the second terminal; the second terminal generates the delivery prompt information according to the commitment payment information.
4. A refund method of an online transactions, which is applied to the first server, including:
Establishing the connection with the second server and determining the corresponding payment account, receiving account and payment amount;
Obtaining the funds corresponding to the payment amount in the receiving account paid by the second server;
Transferring the funds into the receiving account.
Establishing the connection with the second server and determining the corresponding payment account, receiving account and payment amount;
Obtaining the funds corresponding to the payment amount in the receiving account paid by the second server;
Transferring the funds into the receiving account.
5. According to the method in the claim 4, after the steps of transferring the above funds into the receiving account, the character is including:
Generating a successful message of refund and delivering the message to the first terminal.
Generating a successful message of refund and delivering the message to the first terminal.
6. According to the method in claim 4, it's characteristic of the method also including:
Receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
Analysing the payment request information data packet and obtains the payment amount, freezing and pre-setting the funds corresponding to the payment amount in the payment account;
Receiving a paying information data packet delivered by the second server;
Checking the validity of the paying information data packet, releasing the frozen funds after checking, and transferring the released funds to the second server.
Establishing the mapping relationship among the payment account, payment amount and transaction sequence.
Receiving the information data packet of receiving request and the transaction sequence delivered by the second terminal.
Analysing the payment request information data packet and obtains the payment amount, freezing and pre-setting the funds corresponding to the payment amount in the payment account;
Receiving a paying information data packet delivered by the second server;
Checking the validity of the paying information data packet, releasing the frozen funds after checking, and transferring the released funds to the second server.
Establishing the mapping relationship among the payment account, payment amount and transaction sequence.
7. The characteristic of a refund system of online transaction including:
The second terminal is used for obtaining the transaction sequence and delivering the information data packet for refund with the transaction sequence to the second server.
A second server is used to check the information data packet of the related refund request, obtaining the corresponding transaction sequence and determining the payment account, receiving account and the payment amount according to the transaction sequence;
The second server is also used for establishing the connection between the payment account and first server and transferring the funds corresponding to the payment account in the receiving account to the first server;
A first server is used for transferring the funds into the receiving account.
The second terminal is used for obtaining the transaction sequence and delivering the information data packet for refund with the transaction sequence to the second server.
A second server is used to check the information data packet of the related refund request, obtaining the corresponding transaction sequence and determining the payment account, receiving account and the payment amount according to the transaction sequence;
The second server is also used for establishing the connection between the payment account and first server and transferring the funds corresponding to the payment account in the receiving account to the first server;
A first server is used for transferring the funds into the receiving account.
8. According to the system in claim 1, the character is that the first server is also used to generate a successful message of refund after transferring the funds into the payment account; the first terminal is used for receiving the successful message of refund delivered by the first server.
9. According to the system of claim 8, its characteristic is that the first terminal is used to generate a purchase information data packet and a transaction sequence corresponding to the purchase information data packet; and delivers a purchase information data packet and the transaction sequence to the second terminal;
The second terminal is also used to analyse the purchase information data packet and obtains the payment amount, generates the receiving request information data packet according to the payment amount, and delivers the receiving request information packet and transaction sequence to the second server 12;
The second server is used to generate the payment request information packet based on the receiving request information data packet and delivers the payment request information packet and transaction sequence to the first server;
The first server is also used to analyse the payment request information data packet and obtains the payment amount, freezes and pre-sets the funds corresponding to the payment amount in the payment account.
The second server is also used to deliver a paying information data packet to the first server;
The first server is also used to check the validity of the paying information data packet, releasing the funds after checking, and the funds will be delivered to the second server, and establish the mapping relationship among the payment account, payment amount and transaction sequence;
The second server is also used to transfer the funds to the pre-set receiving account and establish the mapping relationship among the receiving account, payment amount and transaction sequence.
The second terminal is also used to analyse the purchase information data packet and obtains the payment amount, generates the receiving request information data packet according to the payment amount, and delivers the receiving request information packet and transaction sequence to the second server 12;
The second server is used to generate the payment request information packet based on the receiving request information data packet and delivers the payment request information packet and transaction sequence to the first server;
The first server is also used to analyse the payment request information data packet and obtains the payment amount, freezes and pre-sets the funds corresponding to the payment amount in the payment account.
The second server is also used to deliver a paying information data packet to the first server;
The first server is also used to check the validity of the paying information data packet, releasing the funds after checking, and the funds will be delivered to the second server, and establish the mapping relationship among the payment account, payment amount and transaction sequence;
The second server is also used to transfer the funds to the pre-set receiving account and establish the mapping relationship among the receiving account, payment amount and transaction sequence.
10. According to the system in claim 9, its characteristic is that the first server is also used to deliver the commitment payment information respectively generated after freezing the funds of payment amount to the first terminal and second server;
The second server is also used to deliver a commitment payment information to the second terminal.
The second terminal is also used to generate the delivery prompt information according to the commitment payment information.
The second server is also used to deliver a commitment payment information to the second terminal.
The second terminal is also used to generate the delivery prompt information according to the commitment payment information.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/078031 WO2016172938A1 (en) | 2015-04-30 | 2015-04-30 | Network transaction refunding method and system |
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| Publication Number | Publication Date |
|---|---|
| CA2986799A1 true CA2986799A1 (en) | 2016-11-03 |
| CA2986799C CA2986799C (en) | 2022-12-06 |
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|---|---|---|---|
| CA2986799A Active CA2986799C (en) | 2015-04-30 | 2015-04-30 | Network transaction refunding method and system |
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| CA (1) | CA2986799C (en) |
| WO (1) | WO2016172938A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111192104A (en) * | 2018-11-15 | 2020-05-22 | 来涛 | Commodity trading method and system based on network platform |
| CN110175924B (en) * | 2019-04-10 | 2023-01-20 | 创新先进技术有限公司 | Risk network construction method and device |
| WO2020243904A1 (en) * | 2019-06-04 | 2020-12-10 | 海付移通科技香港有限公司 | Refund method, transaction system, account system, and storage medium |
| CN112884460A (en) * | 2021-03-30 | 2021-06-01 | 中国工商银行股份有限公司 | Method and device for generating transfer transaction message under automatic repayment scene |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101334875A (en) * | 2007-06-25 | 2008-12-31 | 黄金富 | Method and system for payment in instant mutual bank transfer by mobile phone |
| CN102982479A (en) * | 2012-12-21 | 2013-03-20 | 江苏乐买到网络科技有限公司 | Method for refund in online shopping |
| CN104376453A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Online payment method and system |
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2015
- 2015-04-30 WO PCT/CN2015/078031 patent/WO2016172938A1/en active Application Filing
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| WO2016172938A1 (en) | 2016-11-03 |
| CA2986799C (en) | 2022-12-06 |
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