CA2986827A1 - Network transaction paying method, network transaction receiving method, and network transaction payment method and system - Google Patents
Network transaction paying method, network transaction receiving method, and network transaction payment method and systemInfo
- Publication number
- CA2986827A1 CA2986827A1 CA2986827A CA2986827A CA2986827A1 CA 2986827 A1 CA2986827 A1 CA 2986827A1 CA 2986827 A CA2986827 A CA 2986827A CA 2986827 A CA2986827 A CA 2986827A CA 2986827 A1 CA2986827 A1 CA 2986827A1
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- server
- payment
- data packet
- information data
- funds
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- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 51
- 230000008014 freezing Effects 0.000 claims abstract description 13
- 238000007710 freezing Methods 0.000 claims abstract description 13
- 238000004458 analytical method Methods 0.000 claims description 10
- 238000012790 confirmation Methods 0.000 claims description 9
- 238000012546 transfer Methods 0.000 claims description 9
- 238000005516 engineering process Methods 0.000 description 4
- 238000004891 communication Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 238000004590 computer program Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
Classifications
-
- 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
Abstract
A network transaction paying method, a network transaction receiving method, and a network transaction payment method and system. The network transaction paying method is applied to a first server (12), and comprises: receiving a paying request information data packet sent by a second server (14); analysing the paying request information data packet, obtaining a paying account and a paying amount, and freezing funds of the paying amount corresponding to the paying account; receiving a paying information data packet sent by the second server (14); checking the validity of the paying information data packet, and after the checking has been passed, unfreezing the frozen funds, and transferring the unfrozen funds to a preset receiving account via the second server (14). The system and methods improve the security of funds of a network transaction.
Description
Title: NETWORK TRANSACTION PAYING METHOD, NETWORK TRANSACTION
RECEIVING METHOD, AND NETWORK TRANSACTION PAYMENT METHOD AND
SYSTEM
[1] [Technical Field]
RECEIVING METHOD, AND NETWORK TRANSACTION PAYMENT METHOD AND
SYSTEM
[1] [Technical Field]
[2] This invention relates to the field of communication technical field, and especially to the online transactions payment, receiving and payment method and system.
[3] [Background Technology]
[4] E-commerce has gradually become the main trend of internet economic development, on-line consumption 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 the it will transfer the funds to the receiving account of the seller after confirming the receipt. However, for the payer (buyer), if using the form of guarantee from a third-party payment company, the funds had already paid to the third party when the commodity was not received, once the third party payment company had many problems, the payment side of the funds cannot be guaranteed, the payee (the seller) cannot guarantee the money after the commodity was delivered. The traditional method of network payment is still unable to avoid the risk of on-line transaction funds.
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 the it will transfer the funds to the receiving account of the seller after confirming the receipt. However, for the payer (buyer), if using the form of guarantee from a third-party payment company, the funds had already paid to the third party when the commodity was not received, once the third party payment company had many problems, the payment side of the funds cannot be guaranteed, the payee (the seller) cannot guarantee the money after the commodity was delivered. The traditional method of network payment is still unable to avoid the risk of on-line transaction funds.
[5] [Summary of the Invention]
[6] Based on the above technical problems, it is necessary to provide a way of payment of online transactions, receiving, payment method and systems to avoid the funds of risk in the online transactions
[7] An online transaction payment method, which is applied to a first server, including:
[8] Receiving a payment request information data packet delivered by the second server;
[9] Analyzing the payment request information data packet to obtain the payment account and amount, and freezing the funds of payment amount corresponding to the payment account;
[10] Receiving the payment information data packet delivered by the second server;
[11] Checking the validity of the paying information data packet, and releasing the funds after checking, and the funds transfer to the pre-set receiving account through the second server.
[12] An online transaction payment method, which is applied to a second server, including:
[13] Receiving the receiving request information data packet delivered by the second terminal generated according to the payment account and amount;
[14] Generating a receiving request information data packet based on receiving request information data packet and delivering the payment request information packet to the first server, the first server analyzing the payment request information packet and obtaining the payment account and amount, and freezing the funds of the payment amount corresponding to the payment account;
[15] Delivering a paying information data packet to a first server to check the validity of the payment information data packet, and release the frozen funds after checking, and delivering the funds to the pre-set receiving account through the second server.
[16] The network transaction payment method including:
[17] The second server delivers the payment request information data packet to the first server;
[18] The first server analyses the payment request information data packet and obtains a payment account and amount, and freezing the funds of the payment amount corresponding to the payment account;
[19] The second server delivers a paying information data packet to the first server;
[20] The first server checks the validity of the paying information data packet, release the funds after checking, and the released funds transfers to the pre-set receiving account through the second server.
[21] An online transaction payment system including:
[22] The first terminal is used to deliver the a purchase information data packet to the second terminal;
[23] The second terminal is used to analyze the purchase information data packet and obtains a payment account and amount, generating a receiving request information data packet based on the payment account and amount, and generating the receiving request information data packet which will be delivered to the second server;
[24] The second server is used to generate the payment request information data packet based on the receiving request information data packet and delivers the payment request information packet to the first server;
[25] The first server is used to analysis the paying request information data packet, obtaining a payment account and amount, and freezing the funds of the payment amount corresponding to the payment account;
[26] The second server is also used to deliver the payment information data packet to the first server;
[27] The first server is also used to check the validity of the paying information data packet, releases the funds after checking, and delivers the released funds to the pre-set receiving account through the second server.
[28] To the payer, the above-mentioned online transactions payment, receiving, payment method and systems are only freezing the funds, do not need to pay the third party payment platform from the payment account; the payee does not need to deliver the funds from a third party platform, and the frozen funds is directly deliver to the parties of the receiving account; it is not only reduces the funding risk of the payer, but also protects the payee's funds security at the same time. It avoids the funds risk of online transaction and improves the financial security of online transactions.
[29] [Brief Description]
[30] Figure 1 shows an example of a schematic diagram of online transaction payment system;
[31] Figure 2 shows another example of a schematic diagram of online transaction payment system;
[32] Figure 3 shows an example of the application scenario of online transaction payment system;
[33] Figure 4 shows an example of the process of the online transaction payment method;
[34] Figure 5 shows an example of the process of the online transaction payment method;
[35] Figure 6 shows an example of the process of the online transaction receiving method;
[36] [Description of the Preferred Examples]
[37] In order to make the purpose, the technical solution and advantages of the invention more clearly understood, the following explanations further explain the invention according to the attached drawings and examples. It should be understood that the specific example described herein are merely to illustrative the invention and is not intend to limit the invention.
[38] As shown in Figure 1, in one example, an online transaction payment system is provided which includes the first terminal 11, the first server 12, the second terminal 13, and the second server 14; among them, the first terminal 11 is used to deliver the purchase information data packet to the second terminal 13.
[39] According to one example, the first terminal 11 is connected to the first server 12; the second terminal 13 is connected to the second server 14; the first terminal 11 is connected to the second terminal 13; the first server 12 is connected to the second server 14.
[40] In the case of the example, the first terminal 11 shall be applicable to the payer or buyer in the online transaction payment; the second terminal 13 is applicable to the buyer or the seller in the online transaction. The buyer and the seller trade on the network, the first terminal 11 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 account and amount, and the information data packet will be delivered to the second terminal 13 corresponding to the seller, and makes a purchase request to the seller.
[41] The second terminal 13 is used to analyse the purchase information data packet and obtains the payment account and amount, generates the receiving request information data packet according to the payment account and amount, and delivers the payment request information packet to the second server 14.
[42] In the example, the first server 12 sets a payment account of the payer, and the first server 12 is used to freeze, release, and transfer the funds corresponding to the payment account.
The buyer corresponding to the first terminal 11 pre-sets the payment account for the funds which is required to purchase the commodity by the first server 12 in advance.
The second server 14 sets the receiving account of the payee, and the second server 14 can be used to transfer the received funds to the receiving account. The seller corresponding to the second terminal 13 sets the receiving account of the received payment for commodity by the second server 14 in advance.
The buyer corresponding to the first terminal 11 pre-sets the payment account for the funds which is required to purchase the commodity by the first server 12 in advance.
The second server 14 sets the receiving account of the payee, and the second server 14 can be used to transfer the received funds to the receiving account. The seller corresponding to the second terminal 13 sets the receiving account of the received payment for commodity by the second server 14 in advance.
[43] 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.
[44] The second server 14 is used to generate the payment request information packet based on the receiving request information data packet and delivers the payment request information packet to the first server 12.
[45] In this example, the second terminal 13 delivers the receiving request information data packet to the second server 14, and the second server 14 requests the first server 12 which is corresponding to the first terminal 11 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.
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.
[46] The first server 12 is used to analyse the payment request information data packet and obtains the payment account and amount, and freezes the funds corresponding to the payment amount.
[47] In this example, the frozen funds will be used to pay for the purchase of 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.
[48] The second server 14 is also used to deliver the paying information data packet to the first server 12.
[49] The first server 12 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 pre-set receiving account by the second server 14.
[50] 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 14 to the first server 12.
The paying information data packet includes the confirmation of receiving information of the commodity signed by the user, the first server 12 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 14 to complete the online transaction. The payment of the seller which corresponding to the second terminal 13 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.
Specifically, the paying information data packet is delivered by the second server 14 to the first server 12.
The paying information data packet includes the confirmation of receiving information of the commodity signed by the user, the first server 12 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 14 to complete the online transaction. The payment of the seller which corresponding to the second terminal 13 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.
[51] For the payer corresponding to the first terminal, the above-mentioned online transaction payment system is only freezing the funds, do not need to pay the funds from the payment account to pay the third party payment platform; for the payee corresponding to the second terminal, it does not need to transfer the funds by a third-party payment platform, instead, it directly transfers the frozen funds of the payer to the receiving account; it is not only reduces the funding risk of the payer, but also protects the payee's funds security. It avoids the funds risk of online transaction and improves the financial security of online transactions.
[52] In one example, the first server 12 is also used to deliver the commitment payment messages generated after the funds of the upcoming payment amount successfully released to the first terminal 11 and the second server 14 respectively.
[53] The second server 14 is also used to deliver a commitment payment information to the second terminal 13.
[54] The second terminal 13 is also used to generate the delivery prompt information according to the commitment payment information.
[55] In this example, the first server 12 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 released 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 11 and the second server 14. The buyer and the seller will know that the account balance is insufficient and the commodity purchase transaction fails.
[56] When the funds of the payment amount are successfully freezing, the first server 12 will generate a commitment payment information and deliver it to the first terminal 11 and the second server 14. The payee 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 14 to the second server 13. The payee will remind the seller to arrange timely delivery through the delivery prompt information.
[57] In one example, the purchase information data packet also contains a purchase order; the second terminal 13 is also used to deliver the purchase order to the logistics server. The first terminal 11 and the second terminal 13 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.
[58] 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 so on. The second terminal 13 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 11 and the second terminal 13, it will be convenient for the buyers and sellers to facilitate the logistics monitoring.
[59] In one example, the second terminal 13 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 13 is also used to deliver the paying information data packet to the second server 14.
[60] 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 13, and the second terminal 13 delivers the receipt confirmation message to the second server 14, and the second server 14 delivers the paying information data packet to the first server 12, and the first server 12 completes the transaction payment.
[61] In the above-mentioned online transaction payment system, the first server 12 determines whether to release the funds and complete the payment based on the confirmation receipt signed by the buyer's, and does not require the buyer to confirm the receipt of the commodity, ensuring the second terminal 13 corresponds to the receiving party receiving the payment in a timely manner and reducing the funding risk of the payee.
[62] As shown in Figure 2, in an example, the online transaction payment system further includes data recording server and data server, which used for backing up transaction data delivered to the first terminal 11, the first server 12, the second terminal 13, and the second server 14.
[63] In one example, the data recording server 15 is connected to the first terminal 11, the first server 12, the second terminal 13, and the second server 14 in an asynchronous communication manner respectively; in this example, the transactions data generated during network payment is recorded by setting up data record server 15 in the system. The transaction data includes but is not limited to: purchase information data packets, receiving request information data packets, payment request data packets and payment information data packets. Since the data recording server 15 has backed up transaction data, it is effectively preventing the loss of data and improves the security of the data, at the same time, helping complete the settlement of the transaction of both parties' funds.
[64] In one example, in order to prevent the security of the online transaction, data leakage or the data packet are 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.
[65] 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, and the data recording server 35 is used to back up the transaction data generated by the buyer A and the seller B in the process of network transaction. It can be clearly seen from the figure that the buyer and the seller can improve the security of the funds in the online transaction without using the third payment platform to realize the settlement, and the data recording server 35 is used to assist the buyer and the seller to settle the settlement.
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, and the data recording server 35 is used to back up the transaction data generated by the buyer A and the seller B in the process of network transaction. It can be clearly seen from the figure that the buyer and the seller can improve the security of the funds in the online transaction without using the third payment platform to realize the settlement, and the data recording server 35 is used to assist the buyer and the seller to settle the settlement.
[66] As shown in Figure 4, it provide a network transaction payment method, where is applied to a network transaction payment system in an example, the network transaction payment system including: the first server, the first terminal, the second terminal and a second server; the method includes the following steps:
[67] In Step 401, the second server delivers the payment request information data packet to the first server.
[68] In this example, the first terminal delivers the purchase information data packet to the second terminal, the second terminal analyses the purchase information data packet, and obtains the payment account and amount, and generates the receiving request information data packet based on the payment account and amount, and delivers the receiving request information packet to the second server.
[69] In Step 402, the first server analyses the payment request information data packet and obtains the payment account and amount, and froze the funds of the payment amount corresponding to the payment account.
[70] In Step 403, the second server delivers the payment information data packet to the first server.
[71] In Step 404, the first server checks the validity of the payment information data packet, releases the funds after checking, and the released funds are delivered to the pre-set receiving account through the second server.
[72] In one example, the purchase information data packet also includes a purchase order; in Step 404, after the first server has frozen the funds corresponding to the payment amount of the payment account, the method also includes: the second terminal delivers the purchase order to the logistics server; the first terminal and the second terminal receive the delivery information of the commodity corresponding to the purchase order delivered by the logistics server, and the delivery information includes the logistics number.
[73] In another example, in Step 402, after the first server has frozen the funds corresponding to the payment amount of the payment account, the method also includes: the first server delivers the commitment information after the funds of the payment was released to the first terminal and the second respectively.
[74] The second server delivers the commitment payment message to the second terminal; the second terminal generates the delivery prompt according to the commitment payment information.
[75] 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.
[76] As shown in Figure 5, in one example, it provides an online transaction payment method that applies to the first server corresponding to a first terminal of the payer; the method includes the following steps:
[77] In Step 501, receives the payment request information data packet delivered by the second server.
[78] In Step 502, analysis the payment request information data packet and obtains the payment account and amount and freezes the funds of the payment amount corresponding to the payment account.
[79] In Step 503, receives the paying information packet delivered by the second server.
[80] In Step 504, checks the validity of the paying information data packet and releases the funds after checking and the released funds is transferred to the pre-set receiving account through the second server.
[81] In one example of Step 502, analysed the payment request information packet and obtained the payment account and amount, frozen the funds of the payment amount corresponding to the payment account, the method also includes: deliver the commitment payment information which was generated after the successful freezing of the funds of payment amount to the first terminal and the second server respectively.
[82] As shown in Figure 6, in one example, it is provided an online transaction payment method which applies to a second server corresponding to a second terminal of a payee; the method includes the following steps:
[83] In Step 601, receives the receiving request information packet delivered by the second terminal based on the payment account and payment amount.
[84] In Step 602, generates a payment request information data packet based on the receiving request information data packet, and delivers the payment request information data packet to the first server. In this example, the first server analyses the payment request information data packet, obtains the payment account and amount, and freezes the funds of the payment amount corresponding to the payment account.
[85] In Step 603, 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, and transfers the released funds to the pre-set receiving account through the second server.
[86] 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.
delivers the commitment payment information to the second terminal.
[87] In one example, before sending the paying information data packet to the first server in Step 603, the method also includes: receiving a paying information data packet delivered by the second terminal, the payment information data packet is the confirmation information of the receiving commodity delivered by the second terminal receiving logistic server, it was generated according to the confirmation receiving information.
[88] The ordinary technicians in the field can understand and implement all or part of the processes in the above mentioned method of the example which can be completed by means of a computer program that can be stored in a computer-readable storage medium.
When the program is executing, it may include all the above-mentioned process in the example. 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.
When the program is executing, it may include all the above-mentioned process in the example. 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.
[89] The characteristics of technology in the above example can be arbitrarily combined. In order to simplify the description, it does not describe all the possible combinations of the various characteristics of technology in the above examples, 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.
[90] The above example only express 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 technicians in the field without departing from the inventive concept, which belonged to the protection scope of the invention. Therefore, the protection scope of patent in the invention should be subject to the attached claims.
Claims (10)
- [Claim 1] An online transaction payment method, the method shall be applied to a first server, the method including:
Receiving a receiving request information data packet delivered by the second server.
Analysing the payment request information packet, obtaining a payment account and amount, and freezing the funds of the payment amount corresponding to 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 pre-set receiving account through the second server. - [Claim 2] According to the method described in claim 1, its characteristics are that after the steps of freezing the funds of payment amount corresponding to payment account, the method also includes:
Delivers the commitment payment information generated after the payment of the payment amount is successfully transmitted to the first terminal and the second server. - [Claim 3] An online transaction payment method which is applied to a second server, the method including:
Receives a receiving request information data packet delivered by the second terminal based on the payment account and amount;
Generates a receiving request information data packet according to the receiving request information data packet and transmitting the payment request information data packet to the first server so that the first server analyses the payment request information packet to obtain a payment account and amount, and freeze the funds of the payment account corresponding to 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, release the frozen funds after checking and transferred to the released funds to the pre-set receiving account through the second server. - [Claim 4] According to the method in claim 3, its characteristic including:
Receiving a commitment payment information generated by the first server to freeze the funds of the payment amount;
Delivering the commitment payment message to the second terminal. - [Claim 5] According to the method in claim 3, characterized in that prior to the step of delivering the paying information data packet to the first server, further including:
Receiving the paying information data packet delivered by the second terminal, the paying information data packet is the confirmation receiving information of the user-signed commodity delivered by the second terminal receiving logistics server and generating the payment information according to the confirmation receiving information. - [Claim 6] A method of network transaction information including:
The second server delivers the payment request information data packet to the first server;
The first server analyses the payment request information data packet and obtains a payment account and amount, and freezes the funds of the payment amount corresponding to the payment account;
The second server delivers a paying information data packet to the first server;
The first server checks the validity of the paying information data packet, releases the frozen funds after checking, and transfers the released funds to the pre-set receiving account through the second server. - [Claim 7] According to the method in claim 6, its characteristic is that after the steps of the first server has frozen the funds of the payment amount corresponding to the payment account, it including:
When the first server delivering the commitment paying information which generated after the funds of the payment amount to the first terminal and the second server respectively. - [Claim 8] The characteristic of an online transaction payment system is including: a first terminal for delivering a purchase information data packet to a second terminal;
The second terminal for analysing the purchase information data packet to obtain a payment account and amount, generating a payment request information data packet based on the payment account and amount, and transmitting the payment request information data packet to the second server;
The second server is used for generating a payment request information packet based on the receiving request information data packet and transmitting the payment request information data packet to the first server, and the first server analysed the requesting information data packet, obtaining the payment account and amount, and freezing the funds of payment amount corresponding to the payment account;
The second server is also used to deliver a paying information data packet information packet to the first server;
The first server is also used for checking the validity of the paying information data packet, releasing the frozen funds after checking, and delivering the released funds through the second server to the pre-set receiving account. - [Claim 9] According to the system in claim 8, its characteristic is that the first server is also used to deliver the commitment payment information respectively generated after releasing the funds of payment amount to the first terminal and second server;
The second server is also used to deliver the commitment payment information to the second terminal and the second terminal is also used to generate delivery prompt information based on a commitment payment information. - [Claim 10] According to the system described in any of claims 8 to 9, the characteristics of system also including:
A data recording server is used for backing up transaction data delivered in first terminal, the first server, the second terminal and the second server, the above-mentioned transaction data including:
Purchase information packets, receiving request information data packets, payment request data packets, and payment information data packets.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/077993 WO2016172930A1 (en) | 2015-04-30 | 2015-04-30 | Network transaction paying method, network transaction receiving method, and network transaction payment method and system |
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| Publication Number | Publication Date |
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| CA2986827A1 true CA2986827A1 (en) | 2016-11-03 |
| CA2986827C CA2986827C (en) | 2024-04-23 |
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| CA2986827A Active CA2986827C (en) | 2015-04-30 | 2015-04-30 | Network transaction paying method, network transaction receiving method, and network transaction payment method and system |
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| CN117853111A (en) * | 2018-08-27 | 2024-04-09 | 创新先进技术有限公司 | Quick payment method, device, equipment and computer readable storage medium |
| CN111784330B (en) * | 2020-07-08 | 2024-03-15 | 上海乾臻信息科技有限公司 | Database-based pseudo-queue settlement method and system and electronic equipment |
| CN113469672B (en) * | 2021-07-08 | 2023-12-12 | 杭州米络星科技(集团)有限公司 | Online payment account separating method and device, server and storage medium |
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| CN1845164A (en) * | 2006-04-30 | 2006-10-11 | 西安电子科技大学 | Fair safe electronic exchange method without third party |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | Method and system for processing transaction data and payment system |
| CN103186852A (en) * | 2011-12-31 | 2013-07-03 | 乐活在线（北京）网络技术有限公司 | Payment method, payment device and payment system of networked transaction |
| 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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| WO2016172930A1 (en) | 2016-11-03 |
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