CA2993684C - Mailbox payment method and mailbox payment system - Google Patents
Mailbox payment method and mailbox payment system Download PDFInfo
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- CA2993684C CA2993684C CA2993684A CA2993684A CA2993684C CA 2993684 C CA2993684 C CA 2993684C CA 2993684 A CA2993684 A CA 2993684A CA 2993684 A CA2993684 A CA 2993684A CA 2993684 C CA2993684 C CA 2993684C
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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Abstract
Disclosed are a mailbox payment method and a mailbox payment system. The mailbox payment system comprises a paying terminal device, a mailbox payment verification center and a receiving terminal device. The mailbox payment verification center is used for accepting a paying mailbox login verification request submitted by a paying party with regard to one or a plurality of online payment transactions, performing security verification on the paying mailbox login verification request, and sending payment confirmation information to a specified receiving party mailbox when the paying mailbox login verification request passes. The mailbox payment verification center is also used for receiving a receiving mailbox login verification request, performing security verification on the receiving mailbox login verification request, and instructing a relevant bank server related to each payment transaction to complete a subsequent settlement process of the payment transaction when the receiving mailbox login verification request passes. The present invention provides a user with a mailbox payment means capable of implementing a batch payment of a plurality of online payment transactions and having a very convenient payment operation.
Description
Mailbox Payment Method And Mailbox Payment System Technical Field [1] The present invention relates to the field of payment technology, and more particularly, to a method and a mailbox payment system for a mailbox.
Background Technology
Background Technology
[2] Among various online payment methods, mobile payment verification methods are popular because of their simple operation. However, mobile payment verification method is not perfect, there are at least the following defects:
[3] 1) poor security. With the popularization of smartphones, the replacement frequency of mobile phone numbers of users is higher and higher, resulting in the change of the mobile phone number for the payment reserved by the user at the shopping website.
Instead, the user's payment operation is complicated and a certain security risk is caused.
Instead, the user's payment operation is complicated and a certain security risk is caused.
[4] 2) inefficient payment. Mobile verification payment method can only achieve one online payment transaction at a time, but cannot achieve multiple online payment transactions in batches. When the user needs to complete the payment of multiple orders, it is cumbersome and time consuming to verify payment by mobile phone.
[5] In order to adapt to the great development of the payment industry and improve the convenience and security of the users in the payment process, how to develop a payment method with convenient operation and high security has become an urgent problem to be solved.
Summary of the Invention
Summary of the Invention
[6] The technical problem to be solved by the present invention lies in that, in view of the above defects in the prior art, a method and a mailbox payment system for a mailbox are provided.
[7] The technical solution adopted by the present invention for solving the technical problem is: constructing a method for paying for a mailbox, including the following steps:
[8] S1) When the mailbox payment verification center receives the verification request of payment email login for one or more online payment transactions, the payment mailbox login verification request is securely verified;
[9] S2) When the payment box login verification request is not approved, the mailbox payment verification center will deliver the prompt of failure of submitting the payment request to the payment box, or when the payment mailbox login verification request is approved, delivering a payment confirmation message for the one or more online payment transactions to the designated payee mailbox;
[10] S3) The E-mail Payment Verification Center receives a login verification request to confirm this or multiple online payment transactions, performs security verification on the verification request of the receiving email login, and when receiving email login verification request is approved, instruct each online payment transaction involving the relevant bank server (400) to complete the subsequent settlement process of the online payment transaction.
[11] In the above email payment method of the present invention, the method further includes the following steps:
[12] SO) E-mail payment verification center records the payment e-mail account information including the payment e-mail account and payment e-mail password as well as the payment e-mail registration information including the payment e-mail account number and e-mail password, and saves the record information to the database.
[13] In the above email payment method of the present invention, the following steps are further included between the step SO and the step Si:
[14] S01) The payment terminal device generates one or more online payment transactions according to the payment user operation and selects the mailbox payment method for implementing the one or more online payment transactions.
[15] In the above email payment method of the present invention, the step of performing security verification on the payment email login operation in step SI
includes:
includes:
[16] The mailbox payment verification center extracts the first input account and the first input password in the payment mailbox login verification request, and compares the first input account and the first input password with the payment mailbox account and the payment mailbox stored in the database;
[17] If the mailbox payment verification center determines that the first input account is the same as the payment email account and the first input password is the same as the payment email password, the payment mailbox login verification request is allowed to pass the security verification, and deliver a mailbox payment request to the payment terminal to submit a successful prompt message;
[18] If the mailbox payment verification center determines that the first input account is different from the payment email account, or determines that the first input password is different from the payment email password, the forbidden payment mailbox login verification request passes the security verification and generates E-mail payment request submission failed message.
[19] In the above method for paying for a mailbox according to the present invention, in the step S3, the mailbox payment verification center receives the login verification request of the receiving mailbox used to confirm this or multiple online payment transactions, and the steps to verify the security verification of the receiving email login verification request include:
[20] The mailbox payment verification center receives the payment mailbox login verification request returned by the payment receiving terminal device and used for confirming the transaction of this one or more online payment transactions, and extracts the second input account in the payment mailbox login verification request and the second input password in the login verification request of the receiving mailbox and comparing the second input account and the second input password with the receiving mailbox account and the receiving mailbox password respectively stored in the database;
[21] If the mailbox payment verification center determines that the second input account is the same as the payment mailbox account, and the second input password is the same as the password of the payment mailbox, the payment mailbox login verification request is allowed to pass the security verification, delivering prompt information indicating that the payment verification is successful to the payment terminal device and the payment receiving terminal device and delivering the electronic money in the one or more online payment transactions to the relevant bank server;
[22] If the mailbox payment verification center determines that the second input account is different from the receiving mailbox account or determines that the second input password is different from the receiving mailbox password, the forbidden payment mailbox login verification request passes the safety verification, and deliver a message to the payment terminal device and the payment receiving terminal device for the failure of the mailbox payment verification.
[23] The present invention also constructs a mailbox payment system, the mailbox payment system including: a payment terminal device, a mailbox payment verification center and a payment receiving terminal device;
[24] The mailbox payment verification center is used to receive a payment mailbox login verification request for one or more online payment transactions from the payment terminal device, perform security verification on a payment mailbox login verification request, when the login verification request is approved, payment confirmation information for the one or more online payment transactions is delivered to the designated payee mailbox;
[25] The mailbox payment verification center is also used to receive a payment mailbox login verification request returned by the payment receiving terminal device for confirming this or multiple online payment transactions, performs security verification on the verification request of the receiving email login, and when receiving email login verification request is approved, instruct each online payment transaction involving the relevant bank server to complete the subsequent settlement process of the online payment transaction.
[26] In the above-mentioned mailbox payment system of the present invention, the mailbox payment verification center includes a payment mailbox for recording the payment mailbox account and the payment mailbox password, and a registration module that includes payment mailbox registration information of the payment mailbox account and the payment mailbox password, and a database for storing the record information of the recording module.
[27] In the above-mentioned mailbox payment system of the present invention, the payment terminal device is also used to generate one or more online payment transactions according to a payment user operation and to select a mailbox for implementing the one or more online payment transactions payment method.
[28] In the above-mentioned mailbox payment system of the present invention, the email payment verification center also includes a communication module for receiving a payment mailbox login verification request from the payment terminal device and a prompting message for submitting a success / failure message to the payment terminal device to deliver a mailbox payment request, an extracting module is used for extracting a first input account and a first input password in a payment mailbox login verification request and configured to compare the first input account and the first input password with the payment mailbox account and the payment mailbox password stored in the database respectively, and determines that the first input account is the same as the payment email account, and the first input password is the same as the payment email password, the payment mailbox login verification request is allowed to pass the security verification, or determining that the first input account is different from the payment email account or the first input password is different from the payment email password, the payment mailbox login verification request is prohibited from passing the security verification judgement module.
[29] In the above mailbox payment system of the present invention, the communication module is also used to receive the verification request of the receiving mailbox which is returned by the receiving terminal device to confirm the payment transaction of this or multiple online payment transactions;
[30] The extraction module is also used to extract a second input account and a second input password in a login verification request of the payment mailbox, and input the second input account and the second input password into the determination module;
[31] The judging module is also used to read the payment mailbox account and the payment mailbox password stored in the database, compare the payment mailbox account and the payment mailbox password with the second input account and the second input password and comparing the second input account with the receiving email account, and allowing the receiving email login verification request to pass the security verification when the second input password is the same as the receiving email password;
[32] The judging module is also used to prohibit the payment mailbox login verification request from passing the security verification when it is determined that the second input account is different from the payment mailbox account or the second input password is different from the payment mailbox password;
[33] The communication module is also used to deliver prompt information indicating that the payment verification is successful to the payment terminal device and the payment receiving terminal device when the payment mailbox login verification request is passed, and deliver the E-currency in this or multiple online payment transactions to the relevant bank server;
[34] The communication module is also used to deliver prompt information that the mailbox payment verification fails to the payment terminal device and the payment receiving terminal device if the payment mailbox login verification request has not been passed.
[35] Since the method and mailbox payment system for the mailbox of the present invention adopts the method of constructing a service platform that is capable of performing business connection with major banks for performing security verification through a payment mailbox login verification request and a payment mailbox login verification request, thus solving the technical problem that the mobile phone verifies the payment method in the existing technology that the security of the payment method is not high and the user verifies the payment method by the mobile phone only to complete the defect of one online payment transaction at a time. It has achieved a beneficial effect to provide users with a novelty, convenient payment operation, high security, and can realize multi payment online payment transactions.
Brief Description
Brief Description
[36] Figure 1 is a schematic structural diagram of a mailbox payment system according to a preferred example of the present invention;
[37] Figure 2 is a structural block diagram of a mailbox payment verification center of the mailbox payment system shown in Figure 1;
[38] Figure 3 is a flowchart of a method for paying a mailbox according to a preferred example of the present invention.
Description of the Preferred Examples
Description of the Preferred Examples
[39] In order to solve the problem that the existing mobile phone verification payment method is not highly secure and the user can only complete one online payment transaction at a time under the condition that the mobile phone verifies the payment method, the main innovation of the present invention lies in:
[40] 1) Constructing an online payment service for one or more online payment transactions by performing a business transaction with major banks for secure verification through a payment mailbox login verification request and a payment mailbox login verification request E-mail payment verification center 200.
[41] Since the present invention adopts the method of constructing a mailbox payment for batch payment which can be used for business docking with major banks and is used for performing security verification respectively for payment mailbox login verification requests and collection mailbox login verification requests so as to realize multi-line payment transactions of the design of the verification center 200 so as to solve the technical problem that the mobile phone verifies the payment method's security is not high and the mobile phone verifies the payment efficiency of the mobile phone is inefficient in the existing technology so as to provide the user with a convenient payment operation, high security, and capable of realizing multiple payment transactions by paying in batches.
[42] In order to make the object of the present invention more comprehensible, the present invention will be further described in detail below with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[43] As shown in Figure 1, the mailbox payment system of the present invention includes a payment terminal device 100, a payment receiving terminal device 300, a mail payment verification center 200 connecting the payment terminal device 100 and the payment receiving terminal device 300, and a connection mailbox payment verification center 200 bank server 400.
[44] Wherein, the payment terminal device 100 is used to generate one or more online payment transactions according to a user operation, and select a mailbox payment method for implementing the one or more online payment transactions.
[45] The payment terminal device 100 is also used to submit to the mailbox payment verification center 200 a mailbox payment verification request for the one or more online payment transactions.
[46] The mailbox payment verification center 200 is used to perform security verification on the mailbox payment verification request and instruct the relevant bank server 400 to complete the subsequent settlement process of the online payment transaction when the mailbox payment verification request is approved.
[47] The mailbox payment verification center 200 may be an existing mail server. The payment terminal device 100 / payment receiving terminal device 300 may be any one of a smartphone, a tablet, a notebook, or a desktop computer.
[48] As shown in Figure 2, the mailbox payment verifying center 200 of the present invention includes a judging module 203, an extracting module 202, a communication module 201, a database and a recording module 205 electrically connected with the judging module 203.
[49] Wherein, the recording module 205 is used to record the payment email registration information including the payment user basic information, the payment email account and the payment email password applied by the payment user through the mailbox payment verification center 200. The recording module 205 is also used to record the payment mailbox registration information including the payment user basic information, the payment mailbox account, and the payment mailbox password applied by the payment user through the mailbox payment verification center 200.
[50] This database is used to store the above-mentioned payment email registration information and payment email registration information.
[51] The communication module 201 is used to receive a mailbox payment verification request submitted by the payment terminal device 100 and including a payment user name, a first input account, and a first input password.
[52] The extracting module 202 is used to extract a payment user name, a first input account, and a first input password in the mailbox payment verification request, and input the first input account and the first input password to the determination module 203.
[53] The judging module 203 is used to receive the first input account and the first input password, read a payment mailbox account and a payment mailbox password corresponding to the payment user name in the database, and store the first input account number, an input password and payment mailbox account and payment mailbox password were compared.
[54] The judging module 203 is also used to determine the same number of the first input account as the account number of the payment mailbox, and the first input password is the same as the password of the payment email, allowing the mailbox payment verification request to be passed, and generating prompt information that the mailbox payment verification request is submitted successfully.
[55] The communication module 201 is also used to deliver prompt information that the mailbox payment verification request is successfully submitted to the payment tenninal device 100, and deliver the payment confirmation message to the designated payment mailbox.
[56] The judging module 203 is also used to prohibit the mailbox payment verification request from being passed when the first input account is different from the payment mailbox account or the first input password is different from the payment mailbox password, generates a prompt message indicating that the mailbox payment verification request submission fails, and instructs the communication module 201 to deliver the prompt message indicating that the mailbox payment verification request submission fails to the payment terminal device 100.
[57] The communication module 201 is also used to receive a payment mailbox login verification request submitted by the payment receiving terminal device 300 for confirming the transaction of the this or multiple of online payment transactions.
[58] The extraction module 202 is also used to extract the payment user name, the second input account, and the second input password in the payment mailbox login verification request and input the same to the determination module 203.
[59] The judging module 203 is also used to read a payment mailbox account and a payment mailbox password corresponding to the payment user name in the database, and receive the second input account and the second input password together with the payment mailbox account E-mail password were compared.
[60] If the judging module 203 judges that the second input account is the same as the receiving mailbox account and the second input password is the same as the receiving mailbox password, the judging module 203 allows the receiving mailbox login verification request to pass the security verification and If the judgement module 203 judges that the second input account is different from the payment mailbox account or the second input password is the same as the password of the payment mailbox, the prompt information that the mailbox payment verification is successful is simultaneously delivered to the payment terminal device 100 and the payment receiving terminal device 300. The judging module 203 prohibits the payment mailbox login verification request from passing the security verification, and simultaneously delivers the prompt information that the email payment verification fails to the payment terminal device 100 and the payment receiving terminal device 300.
[61] The judging module 203 is also used to deliver the electronic money in each online payment transaction to the relevant bank server 400 involved in the online payment transaction through the communication module 201 when the payment mailbox login verification request is passed, it also instructs the bank server 400 to complete the subsequent settlement process of the online payment transaction based on the electronic currency.
[62] In the following, the preferred method of the present invention is taken as an example to describe the method for paying a mailbox according to the present invention.
[63] As shown in Figure 3, in step S101, the mailbox payment verification center 200 records payment mailbox registration information including the payment user basic information, payment email account and payment email password registered by the payment user through the recording module 205. The payment user registers the payment mailbox registration information including the basic information of the payment user, the payment email account and the payment email password, and stores the registered payment email registration information and the payment mailbox registration information in the database.
[64] In step SI02, when receiving the payment email login verification request for one or more online payment transactions via the communication module 201, the mailbox payment verification center 200 performs security verification on the payment email login verification request. The payment mailbox login verification process is as follows: the mailbox payment verification center 200 first extracts the payment user name, the first input account, and the first input password in the payment mailbox login verification request through the extraction module 202, and then, through the judgement module 203, searches the database for the payment user name has the same payment user name and its corresponding payment email account and payment email password, and compares the payment email account and the payment email password with the first input account and the first input password respectively.
[65] In step S103, if the determination module 203 determines that the payment email account is different from the first input account or the payment email password is different from the first input password, the payment mailbox login verification request is forbidden to pass the security verification and the next step is executed S104.
[66] If the judgement module 203 determines that the payment email account is the same as the first input account and the payment email password is the same as the first input password, the payment mailbox login verification request is allowed to pass the security verification, and the next step S105 is executed.
[67] In step S104, the communication module 201 receives the prompt information that the submission of the payment request for the mailbox generated by the determination module 203 has failed, and delivers the prompt information to the payment terminal device 100.
[68] In step S105, the communication module 201 is received by the judging module 203 generates a mailbox payment request submitted to the success of information and payment confirmation information, payment request will be submitted to the success of the email message to the payment terminal device 100, and the payment confirmation message mail deliver to the specified mailbox.
[69] In step S106, the mailbox payment verification center 200 receives a payment mailbox login verification request for confirming this or multiple of online payment transactions through the communication module 201, and performs security verification on the payment mailbox login verification request. The verification process of the login verification is as follows: the mailbox payment verification center 200 first extracts the payment user name, the second input account and the second input password in the payment mailbox login verification request through the extraction module 202 and then searches through the determination module 203 and the receiving user name in the database and the receiving user name and its corresponding receiving email account number and receiving email password, and compare the account number of the receivable mailbox and the password of the receivable mailbox with the second input account and the second input password.
[70] In step S107, if the determining module 203 determines that the email receiving account is different from the second input account or the email receiving password is different from the second input password, then the payment mailbox login verification request for confirming the payment of a mailbox is prohibited from passing the security verification, and the next step S108 is executed.
[71] If the judgement module 203 judges that the payment mailbox account is the same as the second input account and the payment mailbox password is the same as the second input password, the payment mailbox login verification request for confirming the payment of the mailbox is allowed to pass the security verification and the next step S109 is executed.
[72] In step S108, the mailbox payment verification center 200 simultaneously delivers prompt information indicating that the verification of the mailbox payment is successful to the payment terminal device 100 and the payment receiving terminal device 300 through the communication module 201, and delivers the electronic money in the one or more online payment transactions to the bank server 400 involved in each online payment transaction and instructs the bank server 400 to complete subsequent subsets of the online payment transaction based on the electronic money settlement process.
[73] In step S109, the mailbox payment verification center 200 delivers the email payment verification failure message to the payment terminal equipment 100 and the receiving terminal device 300 through the communication module 201, and then proceeds to step S102.
[74] The foregoing is merely a preferred example of the present invention and is not intended to limit the invention, and any modifications, equivalent substitutions and improvements within the spirit and principles of the invention are intended to be included in the scope of the invention.
Claims (37)
1. An e-mail payment system comprising:
a payer terminal;
a recipient terminal;
an e-mail payment verification server; and a bank server;
wherein the payer terminal, the recipient terminal and the bank server are communicatively connected through the e-mail payment verification server;
wherein the e-mail payment verification server is configured to receive a payer e-mail login verification request for a plurality of online payment transactions from the payer terminal, perform security verification on the payer e-mail login verification request and then deliver a payment confirmation message for the plurality of online payment transactions to a designated recipient e-mail account when the payer e-mail login verification request is approved;
wherein the e-mail payment verification server is configured to receive a recipient e-mail login verification request sent by the recipient terminal for confirming the plurality of online payment transactions, and perform security verification on the recipient e-mail login verification request; and wherein the e-mail payment verification server is configured to instruct the bank server to settle the online payment transaction once the recipient e-mail login verification request is verified.
a payer terminal;
a recipient terminal;
an e-mail payment verification server; and a bank server;
wherein the payer terminal, the recipient terminal and the bank server are communicatively connected through the e-mail payment verification server;
wherein the e-mail payment verification server is configured to receive a payer e-mail login verification request for a plurality of online payment transactions from the payer terminal, perform security verification on the payer e-mail login verification request and then deliver a payment confirmation message for the plurality of online payment transactions to a designated recipient e-mail account when the payer e-mail login verification request is approved;
wherein the e-mail payment verification server is configured to receive a recipient e-mail login verification request sent by the recipient terminal for confirming the plurality of online payment transactions, and perform security verification on the recipient e-mail login verification request; and wherein the e-mail payment verification server is configured to instruct the bank server to settle the online payment transaction once the recipient e-mail login verification request is verified.
2. The system of claim 1 wherein the e-mail payment verification server includes a recording module.
3. The system of claim 2 wherein the recording module includes a database.
4. The system of any one of claims 2 and 3 wherein the recording module is configured to record payer information.
5. The system of claim 4 wherein the payer information includes a payer e-mail account username.
6. The system of any one of claims 4 and 5 wherein the payer information includes a payer e-mail account password.
7. The system of any one of claims 2 -6 wherein the recording module is configured to record recipient information.
8. The system of claim 7 wherein the recipient information includes a recipient e-mail account username.
9. The system of any one of claims 7 and 8 wherein the recipient information includes a recipient e-mail account password.
10. The system of any one of claims 1-9 wherein the payer terminal is further configured to generate the plurality of online payment transactions in accordance with a payer user operation and select an e-mail payment mode for implementing the plurality of online payment transactions.
11. The system according to claim 9, wherein the e-mail payment verification server further comprises:
a communication module;
an extraction module; and a judgement module;
wherein the extraction module is configured to extract a first input account and a first input password from the payer e-mail login verification request;
wherein the judgement module is configured to judge whether the first input account is the same as the payer e-mail account and whether the first input password is the same as the payer e-mail account password; and wherein the communication module is configured to transmit a first outcome of the payer e-mail login verification request to the payer terminal.
a communication module;
an extraction module; and a judgement module;
wherein the extraction module is configured to extract a first input account and a first input password from the payer e-mail login verification request;
wherein the judgement module is configured to judge whether the first input account is the same as the payer e-mail account and whether the first input password is the same as the payer e-mail account password; and wherein the communication module is configured to transmit a first outcome of the payer e-mail login verification request to the payer terminal.
12. The system according to claim 11 wherein:
the extraction module is configured to extract a second input account and a second input password from the recipient e-mail login verification request and transmit the second input account and the second input password to the judgement module;
the judgement module is further configured to judge whether the second input account is the same as the recipient e-mail account and whether the second input password is the same as the recipient e-mail account password; and the communication module is further configured to:
receive a reply message sent by the recipient terminal confirming the plurality of online payment transactions; and transmit a second outcome of the recipient e-mail login verification request to the payer terminal and the recipient terminal;
deliver funds in the plurality of online payment transactions to the bank server.
the extraction module is configured to extract a second input account and a second input password from the recipient e-mail login verification request and transmit the second input account and the second input password to the judgement module;
the judgement module is further configured to judge whether the second input account is the same as the recipient e-mail account and whether the second input password is the same as the recipient e-mail account password; and the communication module is further configured to:
receive a reply message sent by the recipient terminal confirming the plurality of online payment transactions; and transmit a second outcome of the recipient e-mail login verification request to the payer terminal and the recipient terminal;
deliver funds in the plurality of online payment transactions to the bank server.
13. The system of any one of claims 1 to 12 wherein the payer terminal is a smartphone.
14. The system of any one of claims 1 to 12 wherein the payer terminal is a tablet.
15. The system of any one of claims 1 to 12 wherein the payer terminal is a notebook.
16. The system of any one of claims 1 to 12 wherein the payer terminal is a desktop computer.
17. The system of any one of claims 1 to 16 wherein the recipient terminal is a smartphone.
18. The system of any one of claims 1 to 16 wherein the recipient terminal is a tablet.
19. The system of any one of claims 1 to 16 wherein the recipient terminal is a notebook.
20. The system of any one of claims 1 to 16 wherein the recipient terminal is a desktop computer.
21. An e-mail payment verification server:
a memory for storing data; and a computer processor;
wherein the e-mail payment verification server is communicatively connected to a payment terminal, a bank server, and a recipient terminal;
wherein the e-mail payment verification server is configured to receive a payer e-mail login verification request for a plurality of online payment transactions from the payer terminal, perform security verification on the payer e-mail login verification request and then deliver a payment confirmation message for the plurality of online payment transactions to a designated recipient e-mail account when the payer e-mail login verification request is approved;
wherein the e-mail payment verification server is configured to receive a recipient e-mail login verification request sent by the recipient terminal for confirming the plurality of online payment transactions, perform security verification on the recipient e-mail login verification request; and wherein the e-mail verification server is configured to instruct the bank server to settle the online payment transaction once the recipient e-mail login verification request is verified.
a memory for storing data; and a computer processor;
wherein the e-mail payment verification server is communicatively connected to a payment terminal, a bank server, and a recipient terminal;
wherein the e-mail payment verification server is configured to receive a payer e-mail login verification request for a plurality of online payment transactions from the payer terminal, perform security verification on the payer e-mail login verification request and then deliver a payment confirmation message for the plurality of online payment transactions to a designated recipient e-mail account when the payer e-mail login verification request is approved;
wherein the e-mail payment verification server is configured to receive a recipient e-mail login verification request sent by the recipient terminal for confirming the plurality of online payment transactions, perform security verification on the recipient e-mail login verification request; and wherein the e-mail verification server is configured to instruct the bank server to settle the online payment transaction once the recipient e-mail login verification request is verified.
22. The e-mail payment verification server of claim 21 wherein the e-mail payment verification server includes a recording module.
23. The e-mail payment verification server of claim 22 wherein the recording module includes a database.
24. The e-mail payment verification server of any one of claims 22 and 23 wherein the recording module is configured to record payer information.
25. The e-mail payment verification server of claim 24 wherein the payer information includes a payer e-mail account username.
26. The e-mail payment verification server of any one of claims 24 and 25 wherein the payer information includes a payer e-mail account password.
27. The e-mail payment verification server of any one of claims 22-26 wherein the recording module is configured to record recipient information.
28. The e-mail payment verification server of claim 27 wherein the recipient information includes a recipient e-mail account username.
29. The e-mail payment verification server of any one of claims 27 and 28 wherein the recipient information includes a recipient e-mail account password.
30. The e-mail payment verification server of any one of claims 21-29 wherein the payer terminal is further configured to generate the plurality of online payment transactions in accordance with a payer user operation and select an e-mail payment mode for implementing the plurality of online payment transactions.
31. The e-mail payment verification server according to claim 29, wherein the e-mail payment verification server further comprises:
a communication module;
an extraction module; and a judgement module;
wherein the extraction module is configured to extract a first input account and a first input password from the payer e-mail login verification request;
wherein the judgement module is configured to judge whether the first input account is the same as the payer e-mail account and whether the first input password is the same as the payer e-mail account password; and wherein the communication module is configured to transmit a first outcome of the payer e-mail login verification request to the payer terminal.
a communication module;
an extraction module; and a judgement module;
wherein the extraction module is configured to extract a first input account and a first input password from the payer e-mail login verification request;
wherein the judgement module is configured to judge whether the first input account is the same as the payer e-mail account and whether the first input password is the same as the payer e-mail account password; and wherein the communication module is configured to transmit a first outcome of the payer e-mail login verification request to the payer terminal.
32. The e-mail payment verification server according to claim 31 wherein:
the extraction module is configured to extract a second input account and a second input password from the recipient e-mail login verification request and transmit the second input account and the second input password to the judgement module;
the judgement module is further configured to judge whether the second input account is the same as the recipient e-mail account and whether the second input password is the same as the recipient e-mail account password; and the communication module is further configured to:
receive a reply message sent by the recipient terminal confirming the plurality of online payment transactions;
transmit a second outcome of the recipient e-mail login verification request to the payer terminal and the recipient terminal; and deliver funds in the plurality of online payment transactions to the bank server.
the extraction module is configured to extract a second input account and a second input password from the recipient e-mail login verification request and transmit the second input account and the second input password to the judgement module;
the judgement module is further configured to judge whether the second input account is the same as the recipient e-mail account and whether the second input password is the same as the recipient e-mail account password; and the communication module is further configured to:
receive a reply message sent by the recipient terminal confirming the plurality of online payment transactions;
transmit a second outcome of the recipient e-mail login verification request to the payer terminal and the recipient terminal; and deliver funds in the plurality of online payment transactions to the bank server.
33. An e-mail payment method comprising:
receiving a payer e-mail login verification request for confirming a plurality of online payment transactions at an e-mail payment verification server and verifying the payer e-mail login verification request;
sending a payment confirmation for the plurality of online payment transactions from the e-mail payment verification server to a recipient e-mail account when the payer e-mail login verification request is approved, or, sending a message from the e-mail payment verification server to payer e-mail account indicating that the payer e-mail login verification request has failed when the payer e-mail login verification request is not approved; and receiving a recipient e-mail login verification request for confirming the plurality of online payment transactions at the e-mail payment verification server and verifying the recipient e-mail login verification request, and once the recipient e-mail login verification request is approved, completing a settlement of the online payment transaction at a bank server.
receiving a payer e-mail login verification request for confirming a plurality of online payment transactions at an e-mail payment verification server and verifying the payer e-mail login verification request;
sending a payment confirmation for the plurality of online payment transactions from the e-mail payment verification server to a recipient e-mail account when the payer e-mail login verification request is approved, or, sending a message from the e-mail payment verification server to payer e-mail account indicating that the payer e-mail login verification request has failed when the payer e-mail login verification request is not approved; and receiving a recipient e-mail login verification request for confirming the plurality of online payment transactions at the e-mail payment verification server and verifying the recipient e-mail login verification request, and once the recipient e-mail login verification request is approved, completing a settlement of the online payment transaction at a bank server.
34. The method according to claim 33 further comprising:
recording payer e-mail account information including a payer e-mail account username and a payer e-mail account password, and recipient e-mail account information including a recipient e-mail account username and a recipient e-mail account password on the e-mail payment verification server and saving the recording onto a database.
recording payer e-mail account information including a payer e-mail account username and a payer e-mail account password, and recipient e-mail account information including a recipient e-mail account username and a recipient e-mail account password on the e-mail payment verification server and saving the recording onto a database.
35. The method according to claim 34 further comprising:
generating the plurality of online payment transactions in a payment terminal device according to a payer user operation and selecting an e-mail payment mode for implementing the plurality of online payment transactions.
generating the plurality of online payment transactions in a payment terminal device according to a payer user operation and selecting an e-mail payment mode for implementing the plurality of online payment transactions.
36. The method according to claim 33 wherein:
verifying the payer e-mail login verification request comprises:
extracting a first input account and a first input password in the payer e-mail login verification request and comparing the first input account and the first input password to a payer e-mail account username and a payer e-mail account password stored in a database at the e-mail payment verification server;
determining whether the first input account is the same as the payer e-mail account username and whether the first input password is the same as the payer e-mail account password; and generating a first prompt indicating that verification has been successful when the first input account is the same as the payer e-mail account username and the first input password is the same as the payer e-mail account password and delivering the first prompt to a payer terminal, or, generating a second prompt indicating that verification has been unsuccessful when the first input account is not the same as the payer e-mail account username and when the first input password is not the same as the payer e-mail account password.
verifying the payer e-mail login verification request comprises:
extracting a first input account and a first input password in the payer e-mail login verification request and comparing the first input account and the first input password to a payer e-mail account username and a payer e-mail account password stored in a database at the e-mail payment verification server;
determining whether the first input account is the same as the payer e-mail account username and whether the first input password is the same as the payer e-mail account password; and generating a first prompt indicating that verification has been successful when the first input account is the same as the payer e-mail account username and the first input password is the same as the payer e-mail account password and delivering the first prompt to a payer terminal, or, generating a second prompt indicating that verification has been unsuccessful when the first input account is not the same as the payer e-mail account username and when the first input password is not the same as the payer e-mail account password.
37. The method according to claim 33 wherein:
verifying the recipient e-mail login verification request comprises:
receiving the recipient e-mail login verification request at the e-mail payment verification server from a receiving terminal for confirming the plurality of online payment transactions;
extracting a second input account and a second input password in the recipient e-mail login verification request and comparing the second input account and the second input password a recipient e-mail account username and a recipient e-mail account password stored in a database;
determining whether the second input account is the same as the recipient e-mail account username and whether the second input password is the same as the recipient e-mail account password; and generating a first prompt indicating that verification has been successful when the second input account is the same as the recipient e-mail account username and the second input password is the same as the recipient e-mail account password and delivering the first prompt to a payer terminal and a recipient terminal and delivering funds in the plurality of online payment transactions to the bank server, or, generating a second prompt indicating that verification has been unsuccessful when the second input account is not the same as the recipient e-mail account username and when the second input password is not the same as the recipient e-mail account password and delivering the second prompt to the payer terminal.
verifying the recipient e-mail login verification request comprises:
receiving the recipient e-mail login verification request at the e-mail payment verification server from a receiving terminal for confirming the plurality of online payment transactions;
extracting a second input account and a second input password in the recipient e-mail login verification request and comparing the second input account and the second input password a recipient e-mail account username and a recipient e-mail account password stored in a database;
determining whether the second input account is the same as the recipient e-mail account username and whether the second input password is the same as the recipient e-mail account password; and generating a first prompt indicating that verification has been successful when the second input account is the same as the recipient e-mail account username and the second input password is the same as the recipient e-mail account password and delivering the first prompt to a payer terminal and a recipient terminal and delivering funds in the plurality of online payment transactions to the bank server, or, generating a second prompt indicating that verification has been unsuccessful when the second input account is not the same as the recipient e-mail account username and when the second input password is not the same as the recipient e-mail account password and delivering the second prompt to the payer terminal.
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| CA2993684A1 CA2993684A1 (en) | 2016-02-11 |
| CA2993684C true CA2993684C (en) | 2019-01-08 |
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| CN1734484A (en) * | 2004-08-12 | 2006-02-15 | 华为技术有限公司 | Network bank system and method by means of e-mail to pay |
| CH694900A5 (en) * | 2004-08-27 | 2005-08-31 | Easecredit Charles Mason Dr | Method is for issue of bank account E-mail statement on occasion of money transfer via Internet |
| CN101093569A (en) * | 2006-06-23 | 2007-12-26 | 上海浦东发展银行股份有限公司 | A method for electronic funds transfer |
| CN101594350A (en) * | 2008-05-26 | 2009-12-02 | 鸿富锦精密工业（深圳）有限公司 | The verifying E-mail password system and method |
| CN101996368A (en) * | 2009-08-21 | 2011-03-30 | 阿里巴巴集团控股有限公司 | Cross-bank batch paying method and cross-bank batch paying system |
| CN101950451A (en) * | 2010-08-19 | 2011-01-19 | 中国民生银行股份有限公司 | Method and system for processing collection and payment among bank accounts |
| US9704148B2 (en) * | 2012-07-27 | 2017-07-11 | @Pay Ip Holdings Llc | Email payment gateway for e-commerce |
| CN103729760A (en) * | 2012-10-16 | 2014-04-16 | 中国银联股份有限公司 | On-line payment method and system |
| US8762272B1 (en) * | 2012-12-27 | 2014-06-24 | Google Inc. | Management of emails containing payments |
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| WO2016019535A1 (en) | 2016-02-11 |
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