CN101000675A - Electronic transaction method and transaction platform system - Google Patents

Electronic transaction method and transaction platform system Download PDF

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Publication number
CN101000675A
CN101000675A CN 200610148789 CN200610148789A CN101000675A CN 101000675 A CN101000675 A CN 101000675A CN 200610148789 CN200610148789 CN 200610148789 CN 200610148789 A CN200610148789 A CN 200610148789A CN 101000675 A CN101000675 A CN 101000675A
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transaction
network
electronic
setting
platform
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CN 200610148789
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沈大平
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上海实诺信息技术有限公司
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Abstract

A method for carrying out electronic transaction includes setting up on-network and off-network synchronous real time double-certification by using buyer as electronic payment transaction center, setting up independent transaction platform system of the third party by integrating and merging multiple technique at on-network and off-network.

Description

一种电子交易方法与交易平台系统 An electronic trading method and trading platform system

技术领域 FIELD

本发明涉及电子商务应用的一种进步,即一种电子交易方法和支持该交易方法实现的多技术集成的交易平台,尤其涉及一种交易信息与支付信息分离的安全可靠的网上购物,网下实时支付的电子交易方法和支持交易方法实现的信息安全交易平台。 The present invention relates to a progressive e-commerce applications, namely an electronic trading methods and technologies that support multi-transaction method to achieve an integrated trading platform, in particular to a separate transaction information and payment information safe and secure online shopping, offline electronic trading methods and trading support real-time payment method to achieve information security trading platform.

背景技术 Background technique

现有的电子交易行业正随着互联网的普及和电子商务的发展而快速进步。 Existing electronic trading industry is with the development of the popularity of the Internet and e-commerce and rapid progress. 目前的电子交易基本为基于各种网上支付平台、银行P0S机、移动支付以及电话支付等方式。 The current basic electronic trading platform is based on a variety of online payment, bank P0S, mobile phone payment and payment method. 网上电子支付系统的种类较多,例如ebay的PayPal和淘宝的支付宝等,这些网络电子支付系统都需要预先在购物网站注册一个账号,通过email地址认证来实现和完成交易。 Types of electronic payment systems online more, such as ebay's PayPal and Alipay Taobao, these networks electronic payment systems need to register an account at the shopping site, to implement and complete the transaction by email address authentication. 由于大多数普通网民不善于在网页内输入文字,加之对网上支付的安全性存有疑虑,及信用卡发放使用的普及率有限等诸多因素,导致大量网民不敢也不习惯于进行网上交易。 Since most ordinary Internet users are not good at typing in a web page, in addition to the security of online payments doubts, and the use of limited penetration of credit cards issued, and many other factors, resulting in a large number of Internet users dare not accustomed to online transactions. 尽管目前基于网络的网上支付系统很多,但应用极为有限。 Although online payment system based on a network of many, but the application is extremely limited. 由于现有使用的电子交易方式及系统存有安全性和交易复杂性的致命问题,从而导致了电子商务应用中的电子交易普及应用和发展进步。 As electronic trading systems and the use of existing security there and the complexity of the transaction fatal problem, which led to the popularization of electronic transactions and e-commerce applications development and progress.

发明内容 SUMMARY

本发明的目的旨在解决上述问题提供一种简单方便、安全可靠、更人性化的电子交易方法和实现该方法的交易平台系统,使得买家无需在大量电子商务网站上注册账号即可简单方便的应用本电子交易平台实现商品购买交易活动。 The present invention is intended to solve the problem of providing a simple, convenient, safe and reliable, more humane methods of electronic trading systems and trading platforms implement this method so that buyers do not need a lot of e-commerce sites on the registered account can be easy the application of the electronic trading platform to buy commodities trading activities. 该交易平台系统由于采用了网上网下无缝连接的多技术集成法,因此,不但有效解决了现有电子交易中的安全、不便的关键问题,而且使得电子交易应用变得更安全、可靠、简捷。 The trading platform thanks to the multi-technology integrated online and offline seamless connection method, therefore, is not only effective solution to the existing electronic transaction security, key issues inconvenient, but also makes the electronic trading applications become more secure, reliable, simple. 本发明的新一代的电子交易方法的核心在于简化了交易者在网上购物时的操作,即无须向电子商务网站提供个人信息,从而解决了个人信息不外泄这一电子商务应用发展中最为困惑的核心问题。 The core of the new generation of electronic transaction method of the present invention is to simplify the operation of traders in online shopping, that is not required to provide personal information to e-commerce sites, so as to solve the personal information is not compromised the development of e-commerce applications in the most confused the core issue. 该种电子交易方法的发明,使得电子商务应用的普及和进步;使得人们改变现有交易活动的习惯模式;使得交易活动变得更为便捷安全;使得多项技术叠加融合的创新应用成为可能。 The invention kinds of electronic transaction methods, so the popularity of e-commerce applications and progress; make people change their habits Mode existing trading activities; making transactions become more convenient and safe; so that a number of innovative applications of technology overlay integration possible.

本发明的技术方案为:本发明提供了一种电子交易方法,包括:(1)买家通过在卖家网站上确认订购商品,实现订单的支付信息通过买家上网计算机自动传输至位于网下的买家的终端设备;(2)该买家终端设备读取买家的银行卡或信用卡信息后,把从卖家网站接收到的订单支付信息,从买家信用卡或银行卡接收到的信息以及终端设备自身的终端设备编号、签名信息和缺省交货地址信息,将该些信息通过加密算法自动加密,形成传输数据,通过网下通信网络发送至支付平台;(3)该支付平台接收买家通过该网下通信网络发送来的支付信息,同时根据交易平台设定,还可以接收卖家发送来的等待交易确认的信息;(4)该支付平台接收到加密传输数据后进行实时解码,还原出订单支付信息;(5)该支付平台通过银行网络向银行或信用卡公司确认预付款且冻结款项;( Located next to the (1) confirm the ordering of goods by the buyer on the seller's site, automatic order payment information by computer transmission network Internet buyers: aspect of the invention is as follows: The present invention provides an electronic transaction method, including the buyer's terminal equipment; (2) after the buyer terminal device reads the buyer's bank or credit card information received from the customer's website to order the payment information received from the buyer's credit card or bank card information to a terminal own terminal equipment device number, signature information, and the default delivery address information, some of the information is automatically encrypted encryption algorithm, the transmission data is formed, to a payment through the internet communication network, the network; (3) the payment platform receives Buyer sent through the network of the communication network payment information, while according to the trading platform set, you may also receive information sent by the seller transactions waiting for acknowledgment; (4) internet real-time decoding the payment after receiving the encrypted transmission data, restore Order payment information; (5) the confirmation advance payment platform and the freezing of payments to the bank or credit card company through a bank network; ( 6)该支付平台在获得银行或信用卡公司的预付款信息后,向卖家发送已预收款项成功的消息,并将买家地址信息发送到卖家网页中,并等待买家对该地址信息的修改或确认,同时向买家发送已确认支付的通知信息;(7)该支付平台接收卖家完成发货后、发货设定天数后或者完成送货后通过网络发送来的发送货物状态并请求收款的信息;(8)该支付平台判断当前情况是否满足预设的放款条件,如果满足则直接进入步骤(9),否则该支付平台向买家发送卖家给出的货物状态并请求是否可以放款的信息,然后等待买家向该支付平台确认可以放款的信息;(9)该支付平台进行放款操作,通过银行网络向卖家对步骤(5)中预付的冻结款项进行放款,完成交易,并分别向买家和卖家发送交易执行完成的通知信息。 6) The payment platform after receiving advance payment bank or credit card company information, send the seller has been successfully advance payment messages sent to the seller and the buyer's address information page, and wait for buyers to modify the address information or confirmation, and sends the payment notification information has been confirmed to the buyer; (7) the seller receives payment platform after completion of delivery, delivery of goods transmission status transmitted over the network after the set number of days or complete payment request and delivery information; (8) the present case the payment is determined whether a preset internet lending condition is satisfied, if they meet directly proceeds to step (9), the goods or the payment platform sends a given state of the seller to the buyer and the lender may request whether information, and then wait for the buyer to confirm payment platform may lending; (9) the payment platform lending operations through the banking network to the seller of the step (5) in advance payments were frozen lending, to complete the transaction, and respectively buyers and sellers to send notification information to complete the transaction execution.

本发明还提供了一种电子交易方法,包括:(1)买家通过在卖家网站上确认订购商品,实现订单的支付信息通过买家上网计算机自动传输至位于网下的买家的终端设备;(2)该买家终端设备读取买家的银行卡或信用卡信息后,把从卖家网站接收到的订单支付信息,从买家信用卡或银行卡接收到的信息以及终端设备自身的终端设备编号、签名信息和缺省交货地址信息,将该些信息通过加密算法自动加密,形成传输数据,通过网下通信网络发送至支付平台;(3)该支付平台接收买家通过该网下通信网络发送来的支付信息,同时根据交易平台设定,还可以接收卖家发送来的等待支付交易确认的信息;(4)该支付平台接收到加密传输数据后进行实时解码,还原出订单支付信息;(5)该支付平台通过银行网络向银行或信用卡公司要求款项转账到该支付平台的账户;(6)该 The present invention also provides an electronic transaction methods, including: (1) confirm the ordering of goods by the buyer on the seller's website, orders to achieve payment information is automatically transferred to a computer via the Internet buyer terminal device located in the network of buyers; (2) information as well as the buyer terminal device terminal device after reading the bank or credit card information of the buyer, the seller receives from the Web site to order payment information received from the buyer's credit card or bank card to its own terminal device number , signature information, and the default delivery address information, some of the information is automatically encrypted encryption algorithm, the transmission data is formed, to a payment through the internet communication network, the network; (3) the payment by the buyer receives the internet communication network, the web transmitted payment information, and set in accordance with the trading platform, waiting for the seller may also receive payment information transmitted to the trade confirmation; (4) internet real-time decoding the payment after receiving the encrypted transmission data, restores the order payment information; ( 5) the payment platform through a bank network requires payments to the bank or credit card company to transfer the payment platform accounts; (6) the 付平台在获得银行或信用卡公司的付款信息后,向卖家发送已预收款项成功的消息,并将买家地址信息发送到卖家网页中,并等待买家对该地址信息的修改或确认,同时向买家发送已确认支付的通知信息;(7)该支付平台接收卖家完成发货后、发货设定天数后或者完成送货后通过网络发送来的发送货物状态并请求收款的信息;(8)该支付平台判断当前情况是否满足预设的放款条件,如果满足则直接进入步骤(9),否则该支付平台向买家发送卖家给出的货物状态并请求是否可以放款的信息,然后等待买家向该支付平台确认可以放款的信息;(9)该支付平台进行放款操作,将自己账户中的对应款项汇入卖家账户以完成交易,并分别向买家和卖家发送交易执行完成的通知信息。 After payment platform to obtain bank or credit card company's payment information, the seller has sent to successfully advance payment messages sent to the seller and the buyer's address information page, and wait for the buyer to modify or confirm the address information, as well as to the buyer transmitting the notification information confirmed payment; (7) the seller receives payment platform after completion of delivery, or delivery to set the number of days after the completion of the transmission status of the goods sent by the network and the delivery request information receivable; ( 8) the present case is determined whether a payment platform lending predetermined condition is satisfied, if they meet directly proceeds to step (9), or the payment status of the goods to the buyer the seller gives internet transmission request information and whether the lender can then wait the buyer to confirm payment platform information may lending; (9) the payment platform lending operations, the corresponding amount will own account import seller account to complete the transaction, and sends a notification of completion of the transaction execution to buyers and sellers, respectively, information.

上述的电子交易方法,其中,该买家的终端设备通过通用接口与买家上网的计算机相连。 Electronic transaction method described above, wherein the buyer's terminal device via the universal interface of a computer connected with the Internet buyers.

上述的电子交易方法,其中,该网下通信网络包括GSM、CDMA、PSTN。 Electronic transaction method described above, wherein the communication network comprises a network of the GSM, CDMA, PSTN.

上述的电子交易方法,其中,该购物订单的支付信息包括来源于卖家的订单号、订单时间、订单合价、送货方式及送货价格。 In the electronic transaction method, in which the purchase order includes payment information from the seller of the order number, order time, order closing price, shipping method and shipping prices.

本发明还提供了一种电子交易平台系统,实现上述的电子交易方法,该交易平台系统包括目标卖家终端,目标买家终端,一支付平台以及一银行端接口,其中:该目标卖家终端进一步包括:一通过网络与该支付平台传输信息的数据传输接口;一网页插件,该插件实现在买家完成订购后的支付信息与目标买家终端设备之间的通信;该目标买家终端进一步包括上网计算机和买家终端设备,其中买家终端设备进一步包括:计算机接口,接收该目标卖家终端的网页插件发送的订单支付信息;银行卡/信用卡读卡器接口,读取银行卡或信用卡的卡号;安全加密模块,对银行卡或信用卡的卡号与订单支付信息加密成加密数据;通信接口,将该加密数据通过该网下通信网络传输至该支付平台;该支付平台进一步包括:一存储交易过程中的数据库;一卖家接口,与目 The present invention also provides an electronic trading platform, to achieve the above-described method of electronic transaction, the transaction terminal platform system includes a target seller, buyer target terminal, a bank terminal, and a payment platform interfaces, wherein: the target terminal further comprises seller : a platform through a network to the payment transfer information data transmission interface; a web plug-in to achieve communication between the buyer completes the subscription payment information buyer terminal with the target device; buyer of the target internet terminal further comprises computer buyers and terminal equipment, in which the buyer terminal device further includes: a computer interface, order receiving terminal of the target web plug-seller sends the payment information; bank / credit card reader interface, read bank card or credit card number; security encryption module, card number and order of the bank or credit card payment information into an encrypted data; communication interface, the encrypted data communications network transmission through this network to the payment platform; the payment platform further includes: a storage transaction process database; a seller interface with the mesh 标卖家终端进行通信;一买家接口,与目标买家终端进行通信;一管理模块,对所有的买家和卖家人员进行管理,还对买卖过程中资金流进行管理;一进行网下通信的接口;以及该银行端接口通过银行网络与该支付平台传输数据,以实时扣款方式或者冻结款项结合确认放款两步动作的方式进行资金放款。 Standard seller terminal communicates; a buyer interface to communicate with the target buyer terminal; a management module for all buyers and sellers who manage the sale process further cash flow management; a network for the communication Interface; and the bank's end interface banking network and data transmission through the payment platform, real-time debit payment method or combination of freezing confirm the loan-step action way capital loans.

上述的电子交易平台系统,其中,该网下通信网络包括GSM、CDMA、PSTN。 In the electronic trading platform, wherein the communication network comprises a network of the GSM, CDMA, PSTN.

本发明对比现有技术,有如下的有益效果:本发明的电子交易方法和支持交易平台系统乃是基于以买家作为电子支付交易中心的网上网下同步实时双认证的设计思想,创造性的依托集成融合网上网下的多项技术而建立起的第三方独立交易平台系统。 The present invention contrast to the prior art, has the following beneficial effects: electronic trading methods and trading platforms support system of the present invention, but based on online and electronic payment to the buyer as a trading center of simultaneous real-time dual-certified design, creative relying Integrating third-party independent trading platform system integration of multiple technologies in the internet network and built up. 整个交易平台系统只涉及支付信息,不涉及购物信息;卖家无法获取除送货信息之外的买家信息,确保了买家信息的安全。 The entire transaction platform system involving payment information only and does not involve shopping information; the seller can not obtain information in addition to the buyer's shipping information to ensure the safety of buyer information. 并且相比现有技术,买家无需在卖家网站上注册账号、保存个人信息、通过登录进行购物,不但使得交易过程变得更为简单方便人性化,而且确保了个人信息的安全。 And compared to the prior art, the buyer need not be registered account on the seller's site, save personal information, make purchases by logging, not only makes the trading process becomes more simple and convenient user-friendly, and to ensure the security of personal information. 同时由于所有的支付行为均使用自己的终端设备请求支付,控制权全部在买方,从而根本上杜绝了现有交易中存在的不可克服的交易风险。 And because of all the payment behavior uses its own terminal device requests payment, control of all of the buyer, thus eliminating the risk of the transaction insurmountable existing transaction exists at all. 本发明的电子交易平台采用了多技术集成法,因此,不但使得交易过程更具人性化,更贴近个人购物支付的习惯,而且确保了买方的资金安全和个人信息安全。 Electronic trading platform of the invention uses a multi-technology integration method, therefore, not only makes the transaction process more humane, closer to the payment of personal shopping habits, but also to ensure that the buyer's financial security and personal information security.

附图说明 BRIEF DESCRIPTION

图1是本发明的电子交易方法一个较佳实施例的示意图。 1 is a schematic electronic transaction method according to the present invention a preferred embodiment.

图2是本发明的电子交易方法的另一较佳实施例的示意图。 FIG 2 is a schematic diagram of another electronic transaction method according to the preferred embodiment of the invention.

图3是本发明的电子交易平台系统实施例的系统结构图。 FIG. 3 is a system configuration diagram of an electronic trading platform system according to the present invention.

图4是本发明的电子交易平台系统实施例的框图。 FIG 4 is a block diagram of an embodiment of an electronic trading platform system of the invention.

具体实施方式 detailed description

下面结合附图和实施例对本发明作进一步的描述。 The present invention is further described below in conjunction with the accompanying drawings and embodiments.

图1示出了本发明的电子交易方法第一实施例的流程。 FIG 1 shows a flow of an electronic transaction method according to the first embodiment of the invention. 请参见图1,下面是对该流程中各步骤的详细描述。 Referring to FIG. 1, the following is a detailed description of the various process steps.

步骤S11:买家在卖家网站上选购商品。 Step S11: the buyer to buy goods on the seller's website. 在订购之前,买家无需注册和登录,只要选中所有想购买的商品就可进入支付界面。 Before ordering, buyers need to register and log in, just select all want to buy the goods can enter the payment interface. 通过网页,买家可以获取全面的订单信息,包括所有商品的清单,以及整个订单与支付相关的信息,包括卖家编号、商品订单号、订单时间、订单总价格、送货方式以及与方式对应的送货价格等。 Via the web, buyers can obtain comprehensive order information, including a list of all commodities, as well as the entire order and payment-related information, including the sellers number, corresponding goods order number, order time, order the total price, shipping method and manner delivery prices.

步骤S12:买家在网页中确定购物商品,买家接收完整的订单信息,同时把订单中相关的支付信息通过网页插件和通用接口(如USB接口)传输至买家的终端设备中。 Step S12: The buyer determines the page in shopping merchandise, the buyer receives the complete order information, while the order-related information to the buyer's payment terminal device through a web plug-ins and common interface (such as USB interface).

步骤S13:买家将信用卡或银行卡插入终端设备,终端设备把步骤S12中从卖家网站处接收到的商品订单支付相关信息,从买家信用卡或银行卡读取到的卡号信息以及终端设备自身的终端设备编号、签名信息和缺省交货地址信息一起通过加密算法自动加密,然后通过网下通信通道(如GSM、CDMA或者PSTN等)发送至支付平台(如图示的步骤S13a)。 Step S13: The buyer credit or bank card inserted in the terminal equipment, terminal equipment to step S12 is received from the website of the seller of goods to order payment information read from the card to the buyer's credit card or bank card number and information terminal device itself a terminal device number, signature information, and the default delivery address information is automatically encrypted with the encryption algorithm, then the network communication channel (e.g., GSM, CDMA or PSTN, etc.) to the payment platform (as shown in step S13a). 同时可选地,卖家终端可将订单支付确认信息发送至支付平台(如图示的步骤S13b),并等待来自支付平台的交易确认的结果。 Meanwhile Alternatively, the seller may order the terminal was confirmed payment information to the payment platform (as illustrated in step S13b), and waits for transaction confirmation from the payment platform. 支付平台对来自买家终端的加密数据和来自卖家终端的订单支付信息进行网上和网下的双重认证。 Payment platform payment information encrypted data terminal from buyers and sellers orders from online terminals and two-factor authentication in the network.

步骤S14:支付平台接收到加密传输数据后进行解码,然后通过银行专有网络通道向银行或者信用卡公司进行指定账号转账操作,对应的款项进入该支付平台的帐户。 After receiving the encrypted payment platform decode the transmission data, and then transfers the operation to the specified bank account or credit card company via the private network channel bank, money into the account of the corresponding payment platform: step S14.

步骤S15:银行或信用卡公司完成对指定账号的资金操作后,通知支付平台。 Step S15: the bank or credit card company funds to complete the operation on the specified account, notify the payment platform.

步骤S16:支付平台通过网络向卖家发送买家已完成预付款的确认消息,即显示告知当前款项已暂存在支付平台处,并将买家地址信息发送给卖家网站上的插件,等待买家的修改或确认操作(图示的步骤S16a);同时支付平台向买家发送完成预付款的通知(图示的步骤S16b)。 Step S16: The payment platform sent over the network to the buyer, the seller has completed the prepayment confirmation message is displayed to inform the current amount has been temporarily stored in the payment platform, the buyer's address and information to the plug-seller on the site, waiting for buyers modification or confirmation operation (step S16a shown); internet transmission completion notification while the advance payment to the buyer (step illustrated S16b).

步骤S17:卖家在获得买家已完成预付款额之后,向买家的送货地址发(送)货(图示的步骤S17a),并获得买家的确认收货信息(图示的步骤S17b)。 Step S17: After obtaining the buyer the seller has completed the prepaid amount, send (send) goods (illustrated steps S17a) to the buyer's shipping address and confirmed receipt of the buyer's information (illustrated steps S17b) .

步骤S18:根据设定,系统支持在卖家发货、发货设定天数后或者在完成送货后,通过网络向支付平台发送当前定购货物的状态(发货、已发货几天或者已完成送货),并请求收款的信息。 Step S18: depending on the setting, the system supports the seller shipped, delivery or after set number of days after the completion of delivery, sent to the current state of ordered goods payment platform through the network (shipments, shipped a few days or have been completed delivery), and request information receivables. 支付平台在接收到信息后,可根据系统设定即是否还需要与买家进行确认,,确定直接进入放款流程还是与买家确认是否放款,如需买家确认,进入步骤S19和S20,否则直接接入流程S21。 Payment platform after receiving the information, i.e., whether the buyer needs to check with the system according to the determined setting ,, or directly into the lending process to confirm whether the lender and the buyer, the buyer For confirmation, proceeds to step S19 and S20, otherwise direct access procedure S21.

步骤S19:支付平台在获得S18卖家请求后,向买家发送当前货物状态,以及请求放款的确认信息。 Step S19: S18 payment platform after receiving the request the seller to send the current status of the goods to the buyer, as well as request confirmation of the loan.

步骤S20:买家向支付平台发送同意放款的信息。 Step S20: Buyers agreed to send information to the lenders payment platform.

步骤S21:支付平台直接向卖家放款并分别向卖家和买家发送相关信息(图示的步骤S21a和S21b)。 Step S21: The payment platform directly to sellers and lenders were sending relevant information to sellers and buyers (illustrated steps S21a and S21b).

图2示出了本发明的电子交易方法的另一实施例的流程图,请参见图2,下面是对该流程中各步骤的详细描述。 Another embodiment of a flowchart of an electronic transaction method of FIG. 2 shows the embodiment of the present invention, see Figure 2, following is a detailed description of the various process steps.

步骤S31:买家在卖家网站上选购商品。 Step S31: the buyer to buy goods on the seller's website. 在订购之前,买家无需注册和登录,只要选中所有想购买的商品就可进入支付界面。 Before ordering, buyers need to register and log in, just select all want to buy the goods can enter the payment interface. 通过网页,买家可以获取全面的订单信息,包括所有商品的清单,以及整个订单与支付相关的信息,包括卖家编号、商品订单号、订单时间、订单总价格、送货方式以及与方式对应的送货价格等。 Via the web, buyers can obtain comprehensive order information, including a list of all commodities, as well as the entire order and payment-related information, including the sellers number, corresponding goods order number, order time, order the total price, shipping method and manner delivery prices.

步骤S32:买家在网页中确定购物商品,买家接收完整的订单信息,同时把订单中相关的支付信息通过网页插件和通用接口(如USB接口)传输至买家的终端设备中。 Step S32: buyer to determine the page in shopping merchandise, the buyer receives the complete order information, while the order-related information to the buyer's payment terminal device through a web plug-ins and common interface (such as USB interface).

步骤S33:买家将信用卡或银行卡插入终端设备,终端设备把步骤S32中从卖家网站处接收到的商品订单支付相关信息,从买家信用卡或银行卡接收到的卡号信息以及终端设备自身的终端设备编号、签名信息和缺省交货地址信息一起通过加密算法自动加密,然后通过网下通信通道(如GSM、CDMA或者PSTN等)发送至支付平台(如图示的步骤S33a)。 Step S33: The buyer credit or bank card inserted in the terminal equipment, terminal equipment to step S32 is received from the website of the seller of goods to order payment information, card number and information terminal device itself receives from the buyer's credit card or bank card to the a terminal device number, signature information, and the default delivery address information is automatically encrypted with the encryption algorithm, then the network communication channel (e.g., GSM, CDMA or PSTN, etc.) to the payment platform (as shown in step S33a). 同时可选地,卖家终端将订单支付信息确认信息发送至支付平台(如图示的步骤S33b),并等待来自支付平台的交易确认的结果。 Meanwhile Alternatively, seller terminal order information confirming the payment information to the payment platform (as illustrated in step S33b), and wait for the result of transaction confirmation from the payment platform. 支付平台对来自买家终端的加密数据和来自卖家终端的订单支付信息进行网上和网下的双重认证。 Payment platform payment information encrypted data terminal from buyers and sellers orders from online terminals and two-factor authentication in the network.

步骤S34:支付平台接收到加密传输数据后进行解码,然后通过银行专有网络通道向银行或者信用卡公司进行指定账号的资金冻结操作。 Step S34: After receiving payment platform to decode the encrypted transmission of data, then the funds designated to operate the bank account frozen by the bank or credit card company's proprietary network channel. 由于对应的款项是以资金冻结的方式进行,因此当前状况下款项并未实际进入卖家的账户。 As a result of the corresponding sum is received by way of frozen funds, so funds under the current situation has not actually entered the seller's account.

步骤S35:银行或信用卡公司完成对指定账号的资金冻结操作后,通知支付平台。 Step S35: the bank or credit card company to complete the funding of the account designated by the freeze operation, notify the payment platform.

步骤S36:支付平台通过网络向卖家发送买家已完成预付款的确认信息,并将买家地址信息发送给卖家网站上的插件,等待买家的修改或确认操作(图示的步骤S36a);同时支付平台向买家发送完成预付款的通知信息(图示的步骤S36b)。 Step S36: payment platform sent over the network to the seller the buyer has completed the confirmation advance payment, the buyer sends the address information to the plug-seller on the site, waiting for buyers to modify or confirm the operation (illustrated steps S36a); while internet payment completion notification message transmitted to the buyer advance (step illustrated S36b).

步骤S37:卖家在获得买家已完成预付款项之后,向买家的送货地址发(送)货(图示的步骤S37a),并获得买家的确认收货信息(图示的步骤S37b)。 Step S37: After obtaining the buyer the seller has completed the prepayment, send (send) goods (illustrated steps S37a) to the buyer's shipping address and confirmed receipt of the buyer's information (illustrated steps S37b) .

步骤S38:根据设定,系统支持在卖家发货、发货设定天数后或者在完成送货后,通过网络向支付平台发送当前定购货物的状态(发货、已发货几天或者已完成送货),并请求收款的信息。 Step S38: depending on the setting, the system supports the seller shipped, delivery or after set number of days after the completion of delivery, sent to the current state of ordered goods payment platform through the network (shipments, shipped a few days or have been completed delivery), and request information receivables. 支付平台在接收到消息后,可根据系统设定,确定直接进入放款流程还是与买家确认是否放款,如需买家确认,进入步骤S39和S40,否则直接接入流程S41。 Payment platform after receiving the message, the system may be set in accordance with, or determined directly into the lending process to confirm whether the lender and the buyer, the buyer For confirmation, proceeds to step S39 and S40, or access procedure directly to S41.

步骤S39:支付平台在获得S38卖家请求后,向买家发送当前货物状态,以及请求放款的确认信息。 Step S39: S38 payment platform after receiving the request the seller to send the current status of the goods to the buyer, as well as request confirmation of the loan.

步骤S40:买家向支付平台发送同意放款的信息。 Step S40: Buyers agreed to send information to the lenders payment platform.

步骤S41:支付平台向银行发送放款请求。 Step S41: payment platform sends a request to the lending bank.

步骤S42:银行在接到支付平台的放款信息后,银行或信用卡公司向卖家放款(对应图示的步骤S42a);同时向支付平台发送放款成功通知信息(对应图示的步骤S42b)。 Step S42: Bank loan information after receiving payment platform, the bank or credit card company lending to the seller (corresponding to step illustrated S42a); at the same time send a loan success notification information (corresponding to step illustrated S42b) to the payment platform.

步骤S43:支付平台分别向卖家和买家发送放款成功的信息(图示的步骤S43a和S43b)。 Step S43: send payment platform were successful loan information (illustrated steps S43a and S43b) to the sellers and buyers.

除了上述的电子交易方法的两个实施例,本发明还提供了相应的一种电子交易平台系统。 In addition to the above-described two embodiments of an electronic transaction method, the present invention also provides a corresponding system of an electronic trading platform. 图3示出了本发明的电子交易平台系统的系统结构,图4示出了本发明的电子交易平台系统的框图。 FIG. 3 shows a system configuration of the electronic trading platform system according to the present invention, FIG. 4 shows a block diagram of an electronic trading platform system according to the present invention. 本发明的交易平台系统包括以下四个部分:目标卖家终端31、目标买家终端32、支付平台33以及银行端接口34。 Transaction platform system according to the present invention comprises the following four parts: target seller terminal 31, the target buyer terminal 32, the bank payment platform 33 and an interface end 34. 其中目标卖家终端31、支付平台33和目标买家终端32中的上网电脑320通过互联网35连接,目标买家终端32中的终端设备321通过网下通信网络37(比如GSM、CDMA或者PSTN通信网络)与支付平台33通信连接,支付平台33通过银行的专网36与银行端接口34连接。 Wherein the target seller terminal 31, the platform 33 and the target buyer payment terminal 32 connected to the Internet 320 through the Internet computer 35, the buyer terminal 32 of the target device 321 via the terminal communication network 37 under the network (such as GSM, CDMA or a PSTN communication network ) connected to the communication platform 33 and the payment, the payment platform 33 and the bank 36 is connected through a private network terminal interface 34 banks.

目标卖家终端31包括数据传输接口310和网页插件311,数据传输接口310实现卖家网站和支付平台之间的信息流的交互;网站插件311完成买家在网上购物后所建立订单的支付信息与买家终端设备321之间的数据通信。 Target vendor terminal 31 includes a data transfer interface 310 and plug 311 pages, interactive data transfer interface 310 to achieve the flow of information between the customer's website and payment platform; website plug 311 to complete the payment information and online shopping to buy the buyer after the established order data communication between the terminal apparatus 321.

目标买家终端32包括上网计算机320和终端设备321,终端设备321包括计算机接口(如USB接口)322、通信接口323、银行卡/信用卡读卡器接口324、安全加密模块325、键盘326和显示屏327。 Target buyer terminal 32 includes a computer 320 and the internet terminal 321, terminal device 321 includes a computer interface (e.g., USB interface) 322, a communication interface 323, the bank / credit card reader interface 324, security encryption module 325, a keyboard 326, and display 327 screen. 计算机接口322可将终端设备321与计算机320相连,以接收目标卖家终端31的订单支付信息,银行卡/信用卡读卡器接口324读取银行卡或信用卡的卡号,安全加密模块325对银行卡或信用卡的卡号与订单支付信息以及终端设备自身的终端设备编号、签名信息和缺省交货地址信息一起加密,通信接口323将加密的信息通过该网下通信网络37传输至支付平台33并与之进行通信。 Computer interface 322 may be a terminal device 321 and the computer 320 is connected to line terminal 31 receiving the target seller payment information, bank / credit card reader interface 324 to read bank card or credit card, security encryption module 325 or bank card encryption device number together with the terminal, the signature information, and address information delivery default credit card number with the order and payment information terminal device itself, the communication interface 323 to transmit the encrypted information to the network 37 through the communication network to the payment platform 33 and with communicate. 利用买家的终端设备321可以无缝地把交易过程中的支付信息通过网下的通信方式发送到支付平台33。 Using the buyer terminal device 321 may seamlessly during the payment transaction information sent to the payment platform 33 by way of the communication network. 键盘326可以键入其他的信息,显示屏327显示消息内容,比如支付平台返回的通知信息等。 326 keyboard can type additional information, the display 327 displays the message content, such as payment information, notification platform returned. 除此之外,还可以在买家终端设置红外模块、指纹识别模块等,可根据需要添加各种模块。 In addition, an infrared module can also be provided, a fingerprint identification module in the buyer terminal, various modules can be added according to need.

支付平台33包括存储卖家信息、买家信息和交易过程中的数据库330、完成与目标卖家终端进行通信的卖家接口331、与目标买家终端进行通信的买家接口332、进行整个买家和卖家人员管理和买卖过程中资金流控制的管理模块333、进行网下通信的有线和无线通信接口334以及双重认证模块335。 Payment platform 33 includes a database 330 storing information of the seller, the buyer and the transaction process information, and the seller is completed with the target communication terminal 331 interfaces the seller, the buyer interface 332 for communicating with a target terminal buyers, sellers and buyers for the entire personnel management and control process of the sale cash flow management module 333, wired communication and wireless communication interface 334 and the authentication module 335 dual net. 其中双重认证模块335接收目标卖家终端通过数据传输接口和互联网发送的订单支付信息以及目标买家终端通过通信接口和网下通信网络发送的包含订单支付信息和信用卡/银行卡信息的加密数据信息,并对这两个信息进行双重认证。 Wherein the authentication module 335 receives the target double seller payment terminal the encrypted data and the target information includes order information transmitted from the buyer terminal through a communication network interface to the communication network and payment information and credit / bank card information via the Internet interface and the transmission order of transmission data, and two-factor authentication information.

银行端接口34通过银行专网36与支付平台33传输数据,实时进行相关资金账号的操作。 The bank client private network interface 34 transmitting banks 36 and 33 through the internet payment data, real-time operation relevant financial account.

本发明的电子交易平台系统的工作原理和过程类似图1和图2所示实施例的方法描述,因此在此不再赘述。 Working principle and process of the electronic trading platform system according to the present invention similar to Figure 1 and 2 embodiment of the method described embodiments, and therefore not repeated here.

应理解,本发明的电子交易平台系统不全面依赖于互联网,关键的支付信息由买家通过终端设备在网下通信网络(例如GSM、CDMA或电话网)中发送,由于买家终端设备脱离了网上交易平台,因此确保了交易的安全性。 It should be understood, electronic trading system of the present invention is not fully dependent on the Internet, payment information transmission key at the network a communication network (e.g. GSM, CDMA, or a telephone network) by a buyer, the terminal device, the terminal device out as buyers online trading platform, thus ensuring the security of transactions. 该电子交易平台系统使用了多套密钥体系,在买家终端与支付平台之间使用对称或非对称加密算法,兼用过程密钥。 The electronic trading platform system using multiple sets of keys, using symmetric or asymmetric encryption algorithm between the buyer and the payment terminal platform, used along with session key. 在支付平台与银行卡或信用卡公司之间采用银行的安全体系,无缝连接。 Between the payment platform with the bank or credit card company uses the bank's security system, seamlessly. 而且银行卡卡号只出现在买家、支付平台和银行/信用卡公司之间,与卖家无关,确保信息的保密性;同时对于买卖信息只出现在买家和卖家之间,与支付平台无关,确保了买家的消费行为信息的安全和个人消费隐私性,同时确保了商家的商业信息安全。 And bank card number only in the buyer, and payment platform between banks / credit card companies, has nothing to do with the seller, to ensure the confidentiality of information; while for the sale of information appears only between buyers and sellers, regardless of the payment platform to ensure consumer behavior consumer security and privacy of personal information of buyers, while ensuring business information security business.

上述实施例只提供了正常流程下的发明思想,未提供非正常流程下的相关过程,而且上述实施例是提供给本领域普通技术人员来实现或使用本发明的,本领域普通技术人员可在不脱离本发明的发明思想的情况下,对上述实施例做出种种修改或变化,因而本发明的保护范围并不被上述实施例所限,而应该是符合权利要求书提到的创新性特征的最大范围。 The above-described embodiment, only the idea of ​​the invention in the normal process, does not provide the process in a non-normal process, and the above-described embodiments are available to those of ordinary skill in the art to make or use the present invention, those of ordinary skill in the art may be without departing from the inventive idea of ​​the present invention, various modifications or variations made to the embodiments described above, and thus the scope of the present invention is not to be limited by the above-described embodiments, but should be consistent with the innovative features mentioned in the claims the maximum range.

Claims (7)

  1. 1一种电子交易方法,包括:(1)买家通过在卖家网站上确认订购商品,实现订单的支付信息通过买家上网计算机自动传输至位于网下的买家的终端设备;(2)该买家终端设备读取买家的银行卡或信用卡信息后,把从卖家网站接收到的订单支付信息,从买家信用卡或银行卡接收到的信息以及终端设备自身的终端设备编号、签名信息和缺省交货地址信息,将该些信息通过加密算法自动加密,形成传输数据,通过网下通信网络发送至支付平台;(3)该支付平台接收买家通过该网下通信网络发送来的支付信息,同时根据交易平台设定,还可以接收卖家发送来的等待交易确认的信息;(4)该支付平台接收到加密传输数据后进行实时解码,还原出订单支付信息;(5)该支付平台通过银行网络向银行或信用卡公司确认预付款且冻结款项;(6)该支付平台在获得银行或信用卡公 An electronic transaction method, including: (1) confirm the ordering of goods by the buyer on the seller's website, payment information order to achieve the automatic transmission by computer buyers access to the terminal device located in the network of buyers; (2) the after the buyer terminal device reads the buyer's bank or credit card information received from the customer's website to order the payment information received from the buyer's credit card or bank card information to a terminal device itself as well as a terminal device number, and signature information the default delivery address information, some of the information is automatically encrypted encryption algorithm, the transmission data is formed, to a payment through the internet communication network, the network; (3) the payment by the buyer receives the internet communication network to the payment network sends information, and set in accordance with the trading platform, the seller may also receive information sent by the transaction acknowledgment wait; (4) internet real-time decoding the payment after receiving the encrypted transmission data, restores the order payment information; and (5) the payment platform confirmed by the banking network to the bank or credit card company to freeze payments and prepayments; (6) the payment platform in obtaining public bank or credit card 司的预付款信息后,向卖家发送已预收款项成功的消息,并将买家地址信息发送到卖家网页中,并等待买家对该地址信息的修改或确认,同时向买家发送已确认支付的通知信息;(7)该支付平台接收卖家完成发货后、发货设定天数后或者完成送货后通过网络发送来的发送货物状态并请求收款的信息;(8)该支付平台判断当前情况是否满足预设的放款条件,如果满足则直接进入步骤(9),否则该支付平台向买家发送卖家给出的货物状态并请求是否可以放款的信息,然后等待买家向该支付平台确认可以放款的信息;(9)该支付平台进行放款操作,通过银行网络向卖家对步骤(5)中预付的冻结款项进行放款,完成交易,并分别向买家和卖家发送交易执行完成的通知信息。 After the Division of prepayment information, send the seller has been successfully advance payment messages sent to the seller and the buyer's address information page, and wait for the buyer to modify or confirm the address information, and send the payment to the buyer confirmed notification information; (7) the seller receives payment platform after completion of delivery, or after delivery to set the number of days to complete the transmission status of the goods delivery transmitted through the network and request information receivable; (8) determining the payment platform the current situation meets the conditions of loan default, if you meet directly to step (9), otherwise the state platform to pay for goods sent to the buyer and the seller gives the lenders can request information whether, and then wait for the buyer to the payment platform lenders can confirm the information; (9) the payment platform lending operations, carry out lending to the seller of step (5) in advance of frozen funds through the banking network, to complete the transaction, and each transaction execution completion notification is sent to the buyers and sellers information.
  2. 2一种电子交易方法,包括:(1)买家通过在卖家网站上确认订购商品,实现订单的支付信息通过买家上网计算机自动传输至位于网下的买家的终端设备;(2)该买家终端设备读取买家的银行卡或信用卡信息后,把从卖家网站接收到的订单支付信息,从买家信用卡或银行卡接收到的信息以及终端设备自身的终端设备编号、签名信息和缺省交货地址信息,将该些信息通过加密算法自动加密,形成传输数据,通过网下通信网络发送至支付平台;(3)该支付平台接收买家通过该网下通信网络发送来的支付信息,同时根据交易平台设定,还可以接收卖家发送来的等待支付交易确认的信息;(4)该支付平台接收到加密传输数据后进行实时解码,还原出订单支付信息;(5)该支付平台通过银行网络向银行或信用卡公司要求款项转账到该支付平台的账户;(6)该支付平台在获得 2 An electronic transaction method, including: (1) confirm the ordering of goods by the buyer on the seller's website, payment information order to achieve the automatic transmission by computer buyers access to the terminal device located in the network of buyers; (2) the after the buyer terminal device reads the buyer's bank or credit card information received from the customer's website to order the payment information received from the buyer's credit card or bank card information to a terminal device itself as well as a terminal device number, and signature information the default delivery address information, some of the information is automatically encrypted encryption algorithm, the transmission data is formed, to a payment through the internet communication network, the network; (3) the payment by the buyer receives the internet communication network to the payment network sends information, and set in accordance with the trading platform, the seller may also receive information transmitted to the payment transaction confirmation wait; (4) internet real-time decoding the payment after receiving the encrypted transmission data, restores the order payment information; and (5) the payment platform requirements money through the bank network to the bank or credit card company to transfer the payment platform accounts; (6) to obtain the payment platform 银行或信用卡公司的付款信息后,向卖家发送已预收款项成功的消息,并将买家地址信息发送到卖家网页中,并等待买家对该地址信息的修改或确认,同时向买家发送已确认支付的通知信息;(7)该支付平台接收卖家完成发货后、发货设定天数后或者完成送货后通过网络发送来的发送货物状态并请求收款的信息;(8)该支付平台判断当前情况是否满足预设的放款条件,如果满足则直接进入步骤(9),否则该支付平台向买家发送卖家给出的货物状态并请求是否可以放款的信息,然后等待买家向该支付平台确认可以放款的信息;(9)该支付平台进行放款操作,将自己账户中的对应款项汇入卖家账户以完成交易,并分别向买家和卖家发送交易执行完成的通知信息。 After the credit card company or bank payment information, the seller has sent to successfully advance payment messages sent to the seller and the buyer's address information page, and wait for the buyer to modify or confirm the address information has been sent to the buyer at the same time payment information confirmation notification; (7) the seller receives payment platform after completion of delivery, or delivery to set the number of days after the completion of the transmission status of the goods sent by the network and the delivery request information receivable; (8) the payment determining whether a predetermined internet present case lending condition is satisfied, if they meet directly proceeds to step (9), or the payment status of the goods to the buyer the seller gives internet transmission request information and whether the lender can then wait for the buyer to payment platform confirmation may lending; (9) the payment platform lending operations, the corresponding amount will own account import seller account to complete the transaction, and each transaction execution complete notification message is sent to the buyers and sellers.
  3. 3 根据权利要求1或2所述的电子交易方法,其特征在于,该买家的终端设备通过通用接口与买家上网的计算机相连。 3 The electronic transaction method according to claim 1, wherein the buyer terminal device connected through the universal interface buyer computer with internet access.
  4. 4根据权利要求1或2所述的电子交易方法,其特征在于,该网下通信网络包括GSM、CDMA、PSTN。 4 or the electronic transaction method according to claim 1 or 2, characterized in that this network comprises a communication network GSM, CDMA, PSTN.
  5. 5根据权利要求1或2所述的电子交易方法,其特征在于,该购物订单的支付信息包括来源于卖家的订单号、订单时间、订单合价、送货方式及送货价格。 5 or the electronic transaction method according to claim 1 or 2, wherein the payment information comprises a purchase order from the seller's order number, the order time, valence orders, shipping method and shipping price.
  6. 6一种电子交易平台系统,实现如权利要求1或2所述的电子交易方法,该交易平台系统包括目标卖家终端,目标买家终端,一支付平台以及一银行端接口,其中:该目标卖家终端进一步包括:一通过网络与该支付平台传输信息的数据传输接口;一网页插件,该插件实现在买家完成订购后的支付信息与目标买家终端设备之间的通信;该目标买家终端进一步包括上网计算机和买家终端设备,其中买家终端设备进一步包括:计算机接口,接收该目标卖家终端的网页插件发送的订单支付信息;银行卡/信用卡读卡器接口,读取银行卡或信用卡的卡号;安全加密模块,对银行卡或信用卡的卡号与订单支付信息加密成加密数据;通信接口,将该加密数据通过该网下通信网络传输至该支付平台;该支付平台进一步包括:一存储交易过程中的数据库;一卖家接口,与目 An electronic trading platform 6, for electronic transaction method of claim 1 or claim 2, the transaction terminal platform system includes a target seller, buyer target terminal, a bank terminal, and a payment platform interfaces, wherein: the target seller the terminal further comprising: a payment platform through a network to the transmission of information data transmission interface; a page insert which realize the communication between the information after the subscription payment terminal device and the target buyers in the buyer; buyer terminal of the target further including the Internet and computer terminals buyer, which the buyer terminal device further comprises: a computer interface, order receiving terminal of the target web plug-seller sends the payment information; bank / credit card reader interface, read bank or credit card card number; security encryption module, the payment card number and order of bank or credit card information into an encrypted data; a communication interface, transmitting the encrypted data communications network to the network through this payment platform; the payment platform further comprises: a memory transaction process database; a seller interface with mesh 标卖家终端进行通信;一买家接口,与目标买家终端进行通信;一管理模块,对所有的买家和卖家人员进行管理,还对买卖过程中资金流进行管理;一进行网下通信的接口;以及该银行端接口通过银行网络与该支付平台传输数据,以实时扣款方式或者冻结款项结合确认放款两步动作的方式进行资金放款。 Standard seller terminal communicates; a buyer interface to communicate with the target buyer terminal; a management module for all buyers and sellers who manage the sale process further cash flow management; a network for the communication Interface; and the bank's end interface banking network and data transmission through the payment platform, real-time debit payment method or combination of freezing confirm the loan-step action way capital loans.
  7. 7根据权利要求7所述的电子交易平台系统,其特征在于,该网下通信网络包括GSM、CDMA、PSTN。 Electronic trading platform according to claim 7 system according to claim 7, characterized in that this network comprises a communication network GSM, CDMA, PSTN.
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WO2009009943A1 (en) * 2007-07-16 2009-01-22 Fanghua Lei Trading method and system based on network platform
CN102222114A (en) * 2011-07-12 2011-10-19 北京海尔集成电路设计有限公司 Method for processing commodity positioning information and device for displaying commodity positioning information
WO2011157092A1 (en) * 2010-06-17 2011-12-22 中兴通讯股份有限公司 Method, system and home gateway of payment for online transaction
CN102509219A (en) * 2011-11-21 2012-06-20 快钱支付清算信息有限公司 Online payment method and system
CN102663631A (en) * 2012-03-22 2012-09-12 瑞达信息安全产业股份有限公司 An electronic bill generating method for mobile payment
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CN103971275A (en) * 2013-01-24 2014-08-06 深圳市腾讯计算机系统有限公司 Method, device and system for processing virtual trade on network open platform
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CN104361520A (en) * 2014-11-18 2015-02-18 刘晋峰 Wealth account establishing and wealth transaction implementation method
CN104392355A (en) * 2014-11-14 2015-03-04 青岛龙泰天翔通信科技有限公司 Electronic payment method being high in safety
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WO2015185018A1 (en) * 2014-06-06 2015-12-10 Tencent Technology (Shenzhen) Company Limited Item transfer apparatus, system and method
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WO2009009943A1 (en) * 2007-07-16 2009-01-22 Fanghua Lei Trading method and system based on network platform
WO2011157092A1 (en) * 2010-06-17 2011-12-22 中兴通讯股份有限公司 Method, system and home gateway of payment for online transaction
CN102222114A (en) * 2011-07-12 2011-10-19 北京海尔集成电路设计有限公司 Method for processing commodity positioning information and device for displaying commodity positioning information
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CN103164790A (en) * 2011-12-09 2013-06-19 腾讯科技(深圳)有限公司 Internet payment system and data processing method thereof
CN103164790B (en) * 2011-12-09 2016-12-28 腾讯科技(深圳)有限公司 Online payment system and data processing method
CN102663631A (en) * 2012-03-22 2012-09-12 瑞达信息安全产业股份有限公司 An electronic bill generating method for mobile payment
CN102750632A (en) * 2012-05-22 2012-10-24 广州市易票联电子商务有限公司 Data processing method and relevant payment terminal
CN103489101A (en) * 2012-06-14 2014-01-01 海瑞斯信息科技(苏州)有限公司 Safe electronic payment system and payment method based on converged communication technology
CN103971275A (en) * 2013-01-24 2014-08-06 深圳市腾讯计算机系统有限公司 Method, device and system for processing virtual trade on network open platform
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