CN101197027A - Internet service paying method and system based on common terminal - Google Patents
Internet service paying method and system based on common terminal Download PDFInfo
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- CN101197027A CN101197027A CNA2006101573203A CN200610157320A CN101197027A CN 101197027 A CN101197027 A CN 101197027A CN A2006101573203 A CNA2006101573203 A CN A2006101573203A CN 200610157320 A CN200610157320 A CN 200610157320A CN 101197027 A CN101197027 A CN 101197027A
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Abstract
The present invention relates to an internet service payment method based on public terminals, comprising the following steps: a. a user information platform sends received request information of a client to an account center, and the account center verifies the request information; b. after the request information is verified, the user information platform sends the received payment request information of a user to the account center for processing; c. the account center returns a processing result to the user information platform, and then the processing result is returned to the client by the user information platform. When the present invention is utilized for value-added service consumption, consumers can pay immediately after purchasing without inputting account number or passwords, and can inquire consumption records at any time. The present invention is of very convenient operation and safety and high efficiency.
Description
Technical field
The present invention relates to a kind of internet service paying method, more particularly, relate to a kind of internet service paying method and system thereof, can be applicable to common terminal fields such as Internet bar, hotel, coffee shop, library, market based on common terminal.
Background technology
Ecommerce is one of most crucial application in internet, and basic problem of ecommerce is exactly how to make user and businessman carry out Secure Transaction pellucidly by existing network technology.Wherein, the efficient convenience of reliable and secure easy-to-use, the settlement system of payment system, be the basis and the guarantee of whole e-commerce framework, current domestic main method of payment mainly contains that bank card payment, telecom operators are withheld, rechargeable card and paying in cash (containing rechargeable card), and derive the modes of payments of a lot of types on this basis, for example:
The bank card modes of payments since the requirement on its safety generally not to be proposed to be used in the public network terminal (as Internet bar, hotel's terminal) stolen to prevent number of the account, password, and because the consideration of clearing cost each side is not suitable for the payment of small amount yet.
Telecom operators' (as moving) mode of withholding is suitable for the user and carries out disposable small amount payment, but owing to lack real-time transaction details feedback mechanism, grow opaque charge situation easily, as moving numerous in recent years application service provider (Service Provider, abbreviation SP) business exists overcharge, arbitrary imposition of fees situation, simultaneously also be difficult to avoid the generation of robber's expense behaviors such as overdrawing, major part is used for prepaid user's the monthly fee mode of collecting at present, and provides moon bill and user's accounting checking by operator.
The rechargeable card mode also relatively is fit to carry out the online transaction of small amount, but requires to set up distribution channel and the credible system of supplementing with money widely, also certain conflict can be arranged with present banking system simultaneously.
Cash base only is fit to the transaction of dispensing mode in kind, and for small amount consumption, non-material consumption, its charge cost is too high.
To sum up, the existing various modes of payments all exists safety, uses shortcomings such as inconvenience, cost height, also all be the synchronous mode of non real-time simultaneously, for the small amount payment value-added service of internet, the use that attracts the especially low end subscriber of user still had higher threshold.
Summary of the invention
The technical problem to be solved in the present invention is, at the above-mentioned defective of prior art, provides a kind of internet service paying method and system thereof based on common terminal, to set up a convenience, economy and synchronous payment platform.
The technical solution adopted for the present invention to solve the technical problems is: construct a kind of internet service paying method based on common terminal, comprise the following steps:
The solicited message that a, user profile platform will receive client sends to the account center, and by described account center described request information is verified;
After b, checking were passed through, the payment request information that described user profile platform will receive described user sent to described account's center processing; And
C, described account center return to described user profile platform with described result, and return to described client by described user profile platform.
In the internet service paying method based on common terminal of the present invention, if the success of described payment processes then further comprises after carrying out described step c:
D, described user profile platform and the described user's of described account's central store consumption recording information.
In the internet service paying method based on common terminal of the present invention, described step a further comprises:
A1, described client are extracted described user's key the data message that needs transmit are encrypted, and the ciphertext sign indicating number is sent to described user profile platform.
In the internet service paying method based on common terminal of the present invention, described step b further comprises:
B1, described user profile platform send to described account center with described payment request information with the form of ciphertext sign indicating number, and by described account center described ciphertext sign indicating number are decrypted identification.
In the internet service paying method based on common terminal of the present invention, after carrying out described d step, further comprise:
E, described user profile platform return described user's consumption detail list data according to the query requests that the account who receives the user consumes.
The present invention also discloses a kind of Internet service payment system based on common terminal simultaneously, and comprising provides a plurality of common terminals of a plurality of clients district, and described system also comprises:
The user profile platform, it is used to store user basic information and value-added service information, and the request that receives described client is transmitted to account's center processing; With
A plurality of accounts center, it is used to handle the request that described user profile platform sends, and stores described user's account information and consumption record data.
In the Internet service payment system based on common terminal of the present invention, described user profile platform comprises:
Subscriber information module, it is used to store user's essential information and extend information, and described essential information comprises address name, passport NO., account, safe key and consumption recording information, and described extend information comprises subscriber phone number and instant communication number;
The value-added service module, it is used to store value-added service information, comprises the consumption value-added service, and the clearing form for described account center and application service provider's inquiry is provided.
In the Internet service payment system based on common terminal of the present invention, described account center comprises:
Accounting module, it is used for the project of customer consumption is deducted fees on its account.
In the Internet service payment system based on common terminal of the present invention, described common terminal district also comprises:
Message processing module is used to handle the consumer and registers, supplements with money, moves back the card item;
The terminal management monitoring module, it is used for system is managed, the supplementing with money of the user that checks of clearing form that storage is convenient to be provided with described account center, described user profile platform, consumption recording information.
The invention has the beneficial effects as follows that when utilizing the present invention to carry out value-added service consumption, the consumer need not to input account number, password, purchase outright, and can inquire about the consumption record at any time, manipulate very convenient, safe and efficient.
Description of drawings
The invention will be further described below in conjunction with drawings and Examples, in the accompanying drawing:
Fig. 1 is the theory diagram of the Internet service payment system based on common terminal of the present invention;
Fig. 2 is the process flow diagram of the internet service paying method based on common terminal of the present invention;
Fig. 3 is of the present invention based on the cash settlement flow diagram in the Internet service payment of common terminal.
Embodiment
As shown in Figure 1, a plurality of common terminals of a plurality of clients district, user profile platform and a plurality of accounts center of providing is provided a kind of Internet service payment system based on common terminal.
A plurality of clients are data inlet of the present invention, comprise the data inlet that value-added service is provided, and it communicates by internet and server (being the user profile platform).A plurality of clients are connected with each other by route or switching equipment.
Wherein, the common terminal district also comprises message processing module (i.e. cashier among the figure) and terminal management monitoring module (i.e. management and monitoring terminal among the figure).Message processing module is used to handle the consumer and registers, supplements with money, moves back items such as card; The terminal management monitoring module, it is used for system is managed, the supplementing with money of the user that checks of clearing form that storage is convenient to be provided with described account center, user profile platform, consumption recording information.
The user profile platform, it is used to store user basic information and value-added service information, and the request that receives described client is transmitted to account's center processing.
The user profile platform specifically comprises subscriber information module and value-added service module again.Subscriber information module is used to store user's essential information and extend information, and described essential information comprises address name, passport NO., account, safe key and consumption recording information, and described extend information comprises subscriber phone number and instant communication number; The value-added service module is used to store value-added service information, comprises the consumption value-added service, and the clearing form for described account center and application service provider's inquiry is provided.
The account center, it is used to handle the request that described user profile platform sends, and stores described user's account information and consumption record data.The account center specifically comprises again be used for accounting module that the project of customer consumption is deducted fees on its account.Below be that example is elaborated to architectural framework of the present invention with the Internet bar.
Generally set up an account center, insert and carry out Fare determined by travel time with the Duo Jia Internet bar system that supports the one's respective area in a zone.The database storing at the account center consumer of whole Internet bar name, account and use on the machine information such as consumption record etc.The account, central platform was in the real name charge system that realizes having realized on the basis of Fare determined by travel time supplementing with money in advance, this real name charge system is characterised in that: each terminal consumer at first carries out the real name registration by this system, obtain a unique sign, and pay and to supplement this user with money and have in the uniquely identified account number.
Set up a unified user profile platform on a plurality of zones, the value-added service that the SP application service provider provides is presented in by the user profile platform on the client of Internet bar, and the final user selects consumption.In the increment of user profile platform, provide clearing form in the heart, and this clearing form can also carry out remote access by webpage for owner of Internet bar and SP service provider for account center and SP service provider's inquiry.
In addition, the Internet bar's internal system in the common terminal district can also comprise message processing module and terminal management monitoring module.Wherein, message processing module provides the consumer to register, supplement with money, move back functions such as card; The terminal management monitoring module is used for the operation of local system is managed, and that has also stored simultaneously the user in this locality supplements, consumes information such as record with money, and the clearing form of being convenient to provide with account center, increment center is checked.
Client is a data inlet of the present invention, except that finishing basic Fare determined by travel time function, the data inlet of value-added service also is provided, the consumer can select all kinds of value-added services by this inlet, this client is also encrypted the data message of subsequent treatment by extracting the key of user own simultaneously, and whole ciphering process can be finished automatically by system.Finish the encryption and decryption of single treatment payment transaction and finish in client and account center respectively, the transmission of all the other intermediate link data is all transmitted with the form of ciphertext sign indicating number.
As shown in Figure 2, a kind of internet service paying method based on common terminal comprises the following steps:
Step S1: the solicited message that the user profile platform will receive client sends to the account center, and by the account center solicited message is verified.Wherein, this solicited message comprises that the user logins account (for example tag card information), for client sends to the user profile platform with the form of ciphertext sign indicating number.In like manner, the user profile platform sends to described account center with this payment request information with the form of ciphertext sign indicating number.
Step S2: the account verifies at the center validity of this solicited message, after checking is passed through, generates dynamic key, and described ciphertext sign indicating number is decrypted identification.
Step S3: the payment request information that the user profile platform will receive the customer consumption value-added service sends to account's center processing with the form of ciphertext sign indicating number, and corresponding cost is deducted automatically in the account center from this user's account.
Step S4: the account center returns to the user profile platform with result, and returns to client by the user profile platform.Simultaneously, user profile platform and this user's of account's central store consumption recording information.At this moment, if the user need be detailed in client query consumption, the user profile platform will return this user's consumption detail list data according to the account query request that receives the user.Be that example is elaborated to payment process of the present invention with the IC-card pattern in the Internet bar below.
At first, when the consumer surfed the Net for the first time in the Internet bar, the user need insert the tag card of oneself in client, after system detects this tag card, this user's information such as identification number, registered place and real name will be sent to the user profile platform, and send to the account center by the user profile platform.Client is responsible for data that needs are transmitted and is sent to the user profile platform with the form of ciphertext sign indicating number, and the user profile platform provides various increment consumption services.
Examine the validity of this IC-card when the account center after, generate dynamic key, and the ciphertext sign indicating number is decrypted identification.The user can enter the merchant system that this platform provides interface by client, browses and select suitable consumption service.
If the user asks to pay its consumption service, can this payment request information be sent to the user profile platform with the form of ciphertext sign indicating number by client, by the increment center in the user profile platform this payment request information is forwarded to the account of the Internet bar center processing of registered place again with the form of ciphertext sign indicating number, and finish the payment action of this user account by the account center, and return the user profile platform, return client by the user profile platform again.Hence one can see that, finishes the encryption and decryption of single treatment payment transaction and finish in client and account center respectively, and the transmission of all the other intermediate link data is all transmitted with the form of ciphertext sign indicating number.
System can provide corresponding service after receiving the information of successfully payment, and this user's consumption record can be stored in user profile platform and account center simultaneously.Wherein, the consumption data in the customer consumption record comprises merchant number, consumer's sign, these information such as the consumption amount of money, service content and key.
In addition, consider the return of goods behavior that normal consumer behavior is involved, the present invention also provides just dashing under the certain limitation, be that the consumer initiates from merchant system, after the merchant system approval, can just dash qualified consumer behavior, the user profile platform is cancelled this transaction by the account center, and returns former dealing money; The dashing of described " under the certain limitation " just is meant to dash and just only is fit to the payment transaction also settled accounts.Clearing of the present invention comprise: the clearing at user profile platform and account center, consumer registered place and user profile platform and the clearing of serving provider businessman.
These clearing can be carried out respectively, can support per diem, the back clearing mechanism in multiple cycles such as week, the moon, also can take means such as cash pledge, pre-payment to ensure both sides' credit.The consumer can be on consumption terminal private client or land the increment center via the internet and inquire about the consumption record in real time, described businessman and account center, registered place (Internet bar) can be by internet terminal through the detailed consumption record of Internet connection user profile platform inquiry, clearing forms etc.The cash settlement that below just the present invention is based on the Internet service payment of common terminal is elaborated.
As shown in Figure 3, the user supplements with money in the load locations that the account center in registration institute possession is supported, account center operator has collected this user's the expense of supplementing with money in advance (under a lot of situations can be that Internet bar, hotel directly collect, and gives account center operator by specific mode again).Account center and user profile platform were settled accounts according to certain cycle, the customer consumption amount of money were settled accounts to the user profile platform according to the market settlement of both sides' agreement by the account center.User profile platform and each value added service provider man regularly settle accounts, and according to the market settlement of both sides' agreement the customer consumption amount of money are settled accounts the man to content supplier by the user profile platform.After the user paid success, the value added service provider man directly offered value-added service the user and uses.
In sum, the present invention provides a kind of effective, safe internet content service means of payment for Internet bar, hotel etc. provides the industry of common terminal service, has remedied the blank of this industry, is effectively replenishing of existing payment mode.It make the consumer can be convenient, consume safely, for consumers in general bring material benefit, simultaneously also for internet content businessman provides a kind of new payment mode, therefore common terminal provider also provides the more service content, increase competitive power, improved turn-head-rate.
Claims (9)
1. the internet service paying method based on common terminal is characterized in that, comprises the following steps:
The solicited message that a, user profile platform will receive client sends to the account center, and by described account center described request information is verified;
After b, checking were passed through, the payment request information that described user profile platform will receive described user sent to described account's center processing; And
C, described account center return to described user profile platform with described result, and return to described client by described user profile platform.
2. the internet service paying method based on common terminal according to claim 1 is characterized in that, if the success of described payment processes then further comprises after carrying out described step c:
D, described user profile platform and the described user's of described account's central store consumption recording information.
3. the internet service paying method based on common terminal according to claim 1 and 2 is characterized in that, described step a further comprises:
A1, described client are extracted described user's key the data message that needs transmit are encrypted, and the ciphertext sign indicating number is sent to described user profile platform.
4. the internet service paying method based on common terminal according to claim 3 is characterized in that, described step b further comprises:
B1, described user profile platform send to described account center with described payment request information with the form of ciphertext sign indicating number, and by described account center described ciphertext sign indicating number are decrypted identification.
5. the internet service paying method based on common terminal according to claim 2 is characterized in that, further comprises after carrying out described d step:
E, described user profile platform return described user's consumption detail list data according to the query requests that the account who receives the user consumes.
6. the Internet service payment system based on common terminal comprises a plurality of common terminals of a plurality of clients district is provided, and it is characterized in that described system also comprises:
The user profile platform, it is used to store user basic information and value-added service information, and the request that receives described client is transmitted to account's center processing; With
A plurality of accounts center, it is used to handle the request that described user profile platform sends, and stores described user's account information and consumption record data.
7. the Internet service payment system based on common terminal according to claim 6 is characterized in that, described user profile platform comprises:
Subscriber information module, it is used to store user's essential information and extend information, and described essential information comprises address name, passport NO., account, safe key and consumption recording information, and described extend information comprises subscriber phone number and instant communication number;
The value-added service module, it is used to store value-added service information, comprises the consumption value-added service, and the clearing form for described account center and application service provider's inquiry is provided.
8. the Internet service payment system based on common terminal according to claim 6 is characterized in that, described account center comprises:
Accounting module, it is used for the project of customer consumption is deducted fees on its account.
9. according to each described Internet service payment system of claim 6-8, it is characterized in that described common terminal district also comprises based on common terminal:
Message processing module is used to handle the consumer and registers, supplements with money, moves back the card item;
The terminal management monitoring module, it is used for system is managed, the supplementing with money of the user that checks of clearing form that storage is convenient to be provided with described account center, described user profile platform, consumption recording information.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101573203A CN101197027A (en) | 2006-12-04 | 2006-12-04 | Internet service paying method and system based on common terminal |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101573203A CN101197027A (en) | 2006-12-04 | 2006-12-04 | Internet service paying method and system based on common terminal |
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| CN101197027A true CN101197027A (en) | 2008-06-11 |
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| CNA2006101573203A Pending CN101197027A (en) | 2006-12-04 | 2006-12-04 | Internet service paying method and system based on common terminal |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102435781A (en) * | 2011-10-28 | 2012-05-02 | 奇瑞汽车股份有限公司 | Collecting circuit for wheel speed of vehicle |
| CN105046502A (en) * | 2015-06-29 | 2015-11-11 | 厦门金乐豆网络有限公司 | F2C and F2B platform based on electronic commerce interaction fission model and method thereof |
| CN105488708A (en) * | 2015-11-27 | 2016-04-13 | 欧剑 | Hotel experience based O2O e-commerce system |
| CN108200021A (en) * | 2017-12-21 | 2018-06-22 | 法信公证云（厦门）科技有限公司 | A kind of internet real-name authentication unified access control platform and method |
| CN109831433A (en) * | 2019-01-30 | 2019-05-31 | 重庆农村商业银行股份有限公司 | Based on the request encryption method and system between third-party user and service side |
| CN113645139A (en) * | 2020-07-16 | 2021-11-12 | 上海勤鱼信息科技有限公司 | Method and system for inter-bank convergent route scheduling of multi-region center |
| CN113657881A (en) * | 2021-08-02 | 2021-11-16 | 中国银联股份有限公司 | Bill payment method, system, device, equipment and storage medium |
-
2006
- 2006-12-04 CN CNA2006101573203A patent/CN101197027A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102435781A (en) * | 2011-10-28 | 2012-05-02 | 奇瑞汽车股份有限公司 | Collecting circuit for wheel speed of vehicle |
| CN105046502A (en) * | 2015-06-29 | 2015-11-11 | 厦门金乐豆网络有限公司 | F2C and F2B platform based on electronic commerce interaction fission model and method thereof |
| CN105488708A (en) * | 2015-11-27 | 2016-04-13 | 欧剑 | Hotel experience based O2O e-commerce system |
| CN108200021A (en) * | 2017-12-21 | 2018-06-22 | 法信公证云（厦门）科技有限公司 | A kind of internet real-name authentication unified access control platform and method |
| CN108200021B (en) * | 2017-12-21 | 2021-06-15 | 法信公证云（厦门）科技有限公司 | Internet real-name authentication unified authorization platform and method |
| CN109831433A (en) * | 2019-01-30 | 2019-05-31 | 重庆农村商业银行股份有限公司 | Based on the request encryption method and system between third-party user and service side |
| CN109831433B (en) * | 2019-01-30 | 2021-05-11 | 重庆农村商业银行股份有限公司 | Third-party-based request encryption method and system between user and server |
| CN113645139A (en) * | 2020-07-16 | 2021-11-12 | 上海勤鱼信息科技有限公司 | Method and system for inter-bank convergent route scheduling of multi-region center |
| CN113645139B (en) * | 2020-07-16 | 2023-05-12 | 上海勤鱼信息科技有限公司 | Method and system for planning route scheduling among multi-area central banks |
| CN113657881A (en) * | 2021-08-02 | 2021-11-16 | 中国银联股份有限公司 | Bill payment method, system, device, equipment and storage medium |
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Application publication date: 20080611 |