CN101324941A - Payment method and system - Google Patents

Payment method and system Download PDF

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Publication number
CN101324941A
CN101324941A CNA2007100418633A CN200710041863A CN101324941A CN 101324941 A CN101324941 A CN 101324941A CN A2007100418633 A CNA2007100418633 A CN A2007100418633A CN 200710041863 A CN200710041863 A CN 200710041863A CN 101324941 A CN101324941 A CN 101324941A
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China
Prior art keywords
payment
code
disburser
payment code
request
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Pending
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CNA2007100418633A
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Chinese (zh)
Inventor
王延波
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Individual
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Individual
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Priority to CNA2007100418633A priority Critical patent/CN101324941A/en
Publication of CN101324941A publication Critical patent/CN101324941A/en
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Abstract

The invention discloses a method of payment and a system of payment to solve the problem of payment with convenience, safety, lower cost and lower risk. The method mainly comprises the steps of grace payment and request for completing payment. The system mainly comprises an ID acquisition interface, a preset guide interface, a preset receiving interface, a payment unit, a payment code management unit, a payment code inform interface, a payment request receiving interface and a payment request processor. The technical problem to be solved is to provide the method and the system for paying and collecting money with high efficiency, safety and low cost.

Description

A kind of method of payment and system
Technical field
The present invention relates to the transaction payment business field, particularly a kind of method of payment and system based on the computer network and the communication technology.
Background technology
In the past, both parties cashed on delivery, and money transaction is directly perceived and convenient.But there is shortcoming in this method, and for by the disburser, this method has the risk of receiving counterfeit money, and small change has the worry of change deficiency sometimes again.If deliver goods to the customers, deliveryman or express company's collection, the risk of gathering or the cost of paying also can improve.Modern society has been pregnant with multiple electronic trade method and system again.Widely the bank card bankcard consumption of Shi Yonging allows the consumer that many convenience have been arranged, but simultaneously, from then on trade company and consumer are limited near the machine for punching the card.Do not have machine for punching the card, can't make payment in this way usually.In addition, shopping online is risen, and everybody does not need machine for punching the card, bank card, as long as confirm consumption, just can pay.But this method shortcoming is that payment is before taking goods, and is concerning the consumer, very unfavorable.Though the shopping website support that great majority enjoy a good reputation is returned goods, formality is complicated, and the cycle is long.For the seller's who does not have too many prestige online spending, particularly second-hand article, the consumer must face bigger risk.It is needed to see that before payment commodity itself remain under many situations the consumer.
Summary of the invention
The technical problem to be solved in the present invention provides a kind of convenient, safety, cost is lower, risk is littler method of payment and system.
In order to solve the problems of the technologies described above, the invention provides a kind of method of payment, comprising: grace payment; Payment is finished in request.
Described grace payment comprises:
A. disburser or contributing third party's System Agent disburser grace payment;
B. receive grace payment;
C. freeze disburser's geld or payment amount;
D. generate payment code, and write down this payment code, disburser's information at least, by one or several time of payment windows of disburser's information and grace payment;
E. payment code only is notified to the disburser.
Described request is finished payment and is comprised:
F. receive the payment code that Payment Request person provides;
G. examine payment code,, then finish payment if payment code is certain, effective and the requestor has authority to finish this payment, otherwise the Payment Request failure, refusal is finished payment.
Preferably, also comprise between step B and the step C: check disburser's remaining sum, if Sorry, your ticket has not enough value predetermined amount paid then refuse grace payment.
Preferably, in the described grace payment, can also comprise; Disburser's predetermined information is notified to by the disburser, and described information does not comprise payment code.
Preferably, in the described grace payment, can also comprise: obtain disburser's identity verification, if grace payment is then refused in failure.
Preferably, in the described method, can also comprise: validation of payment requestor's authority, lack of competence are finished the then refusal of this payment code and are finished payment.
Preferably, described validation of payment requestor's authority can be by this Payment Request person of the identity verification that obtains Payment Request person and check system registration and payment code by the relation between the disburser, if Payment Request person be exactly payment code by the collection person of disburser or its permission, then have authority to finish this payment.
Preferably, described validation of payment requestor's authority also can be to obtain the collection identity code from Payment Request person, if this collection identity code belong to this payment code by disburser's collection identity code collection, then have authority to finish this payment.
Preferably, described identity verification can be to verify by third party's trusted system, ciphertext and correct response that the perhaps password authentification during the User login native system, or user side program is given with user's key handling system are verified, or said method combination multiple-authentication.
Preferably, described method also comprises: clear up expired payment code, if payment code is expired and payment is not finished and payment code is not blocked, geld or the payment amount of then thawing also nullified payment code.
Preferably, described method also comprises: after finishing payment payment code is nullified.
Preferably, if time of receiving payment code in the term of validity of the time of payment of this payment code window definition, then this payment code is effectively, otherwise is invalid.
Preferably, described examine payment code comprise at least whether inspection exists this payment code of not being canceled, check payment code whether effectively, check whether Payment Request person has authority to finish this payment.
Preferably, before finishing payment, native system knows the authority of this payment code only for the disburser of this payment code.
Preferably, described method can also comprise: with the result notification relevant party of Payment Request.
The present invention also provides a kind of payment system, mainly comprises:
Identity is obtained the interface, is used to obtain user's identity verification;
Predetermined guiding interface is used to guide the consumer premise payment, guarantees the grace payment data fit requirement that the user imports, unformatted mistake;
Predetermined reception interface, the consumer premise payment that is used to receive the consumer premise payment of predetermined guiding interface guiding or receives contributing third party's system bootstrap;
Payment unit, be used to freeze the disburser geld or payment amount, finish payment, geld or pay amount thaws;
The payment code administrative unit is used to generate payment code, record payment code and relevant information thereof, and retrieval payment code information is nullified payment code, clears up expired payment code;
Payment code notice interface is used for payment code is notified to the disburser;
The Payment Request reception interface is used to receive Payment Request person's information and payment code;
The Payment Request processor is used to examine payment code, finishes or refuses to pay.
Preferably, described authentication interface can comprise: third party's trusted system inserts the interface, is used for the access of third party's trusted system, obtains the connector's of empirical tests user profile from third party's trusted system.
Preferably, described authentication interface can comprise: log-in interface, pass through checking when being used to guide the User login native system.
Preferably, described authentication interface can comprise: the ciphertext interface of shaking hands, be used for and the communication of user side program, and ciphertext is given, and receive the user side program response, judge whether response is correct.
Compared with prior art, the present invention has the following advantages:
Can then and there payment code be informed by disburser or its when the disburser takes goods has the collector that acts on behalf of of authority, and for example the deliveryman allows it use system of the present invention gathering.Receive on the other hand, payment is whipped up on the other hand, and is very convenient, do not have the trouble of counterfeit money and small change simultaneously.If the disburser is dissatisfied to goods, can refuse then and there to receive, the consumers shopping risk is less.Grace payment is crossed after date, and amount of money thaws automatically, need not complicated reimbursement.The automatic managing payment of computing machine and network thereof, access way is flexible, need not machine for punching the card and dedicated network, and cost is lower.Native system is taked the maltilevel security safeguard: the disburser is by authentication during grace payment; Only there is the disburser to know payment code from native system.Thereby security is higher.
Description of drawings
Fig. 1 is the grace payment process flow diagram of a kind of embodiment according to the preferred method of the present invention;
Fig. 2 is that payment flow figure is finished in the request of a kind of embodiment according to the preferred method of the present invention;
Fig. 3 is the system schematic of the embodiment of the invention.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is described in further detail below in conjunction with the drawings and specific embodiments.
With reference to Fig. 1 is the grace payment process flow diagram of a kind of embodiment according to the preferred method of the present invention.
Step 101 is obtained user's identity verification.The user can pass through Internet-browser, call, and modes such as client-side program insert and originally execute routine system, originally execute the identity verification that routine system therefrom obtains the user.When the user passed through the Internet-browser grace payment, present embodiment system log-in interface required the user to input user account and password, is obtained user's identity verification by correct password.The present embodiment system also uses mobile communications network as third party's trusted system.User's phone number is registered in the present embodiment system, verifies by modes such as input authentications on the descending cryptonet of note.When general audio call or the note of user by mobile communications network called out when inserting the present embodiment system, third party's trusted system inserts the caller identification that the interface obtains the caller, with the user profile of the phone number verified of incoming call number inquiry, thereby obtain user's identity verification.The present embodiment system also provides client-side program, when the user opens client-side program function on its smart mobile phone with the identity verification of oneself, passes user key under the present embodiment system to user mobile phone.When the user visits this present embodiment with the client-side program on its smart mobile phone, user account is asked for ciphertext in the ciphertext of the present embodiment system interface of shaking hands, give the checking ciphertext then, client-side program will be verified after ciphertext is encrypted with key and beam back the present embodiment system; The present embodiment system also with this user's secret key encryption checking ciphertext, contrasts both, and is consistent then obtained user's identity verification.
Step 102, grace payment.The payment of predetermined guiding interface guiding consumer premise is guaranteed the grace payment data fit requirement that the user imports, unformatted mistake.Grace payment also can be by contributing third party's System Agent.
Step 103 receives grace payment.Predetermined reception interface receives the consumer premise payment of predetermined guiding interface guiding or receives the consumer premise payment of contributing third party's system bootstrap, and this is paid every payment unique serial number association that system generates.
Whether enough step 104 checks remaining sum payment.Payment unit is checked the remaining sum on disburser's account, if the amount of money of Sorry, your ticket has not enough value grace payment then refuse grace payment.
Step 105 is freezed amount paid.Payment unit is freezed disburser's geld or is paid payment amounts such as symbol of equal value, credit line, facility extent by disburser's the modes of payments.
Step 106 generates payment code.The payment code administrative unit generates payment code, and the payment code of generation does not belong to the already present payment code set of not nullifying.Write down this payment code, disburser's information, by one or several time of payment windows of disburser's information and grace payment, the serial number of related this payment code and this payment.
Step 107, the payment code notice.Payment code notice interface is notified to the disburser with payment code in modes such as webpage, automatic speech, robocall calling, note, Emails.And only notify the disburser.
With reference to Fig. 2, be that payment flow figure is finished in the request of a kind of embodiment according to the preferred method of the present invention.
Step 201 receives payment code.The Payment Request reception interface receives the payment code that Payment Request person provides.Payment Request person can land the present embodiment system with identity verification, then request payment and input payment code.Payment Request person also can insert the present embodiment system by third party's trusted system, and finishes Payment Request.For example, in mobile communications network, the user is by handling the short message request payment that number sends the band payment code to the Payment Request of present embodiment system.Again for example, Payment Request person also can pass through phone incoming call present embodiment system, and button is finished the input of payment code under voice suggestion.The Payment Request reception interface therefrom obtains the information of Payment Request person's caller identification as Payment Request person.The Payment Request reception interface is noted this payment request information, comprises the time of receiving payment code, and gives the Payment Request processor with record.
Whether really, effectively step 202 examines payment code.The Payment Request processor is inquired about payment code by the payment code administrative unit, checks whether it exists and be not canceled; And check the time of receiving payment code, judge whether this payment code is effective.If the time of receiving payment code, then this payment code was effectively, otherwise is invalid in the term of validity of the time of payment of this payment code window definition.Do not pass through if examine, then refusal is finished payment, and enters step 205.
Whether step 203, examining the requestor has authority to finish payment.The Payment Request processor checks whether Payment Request person has the right to accept within limits money or the agency is collected money by the disburser.If Payment Request person lands with identity verification, this Payment Request person of check system registration and payment code then by the relation between the disburser, if Payment Request person be exactly payment code by the collection person of disburser or its permission, then have authority to finish this payment code.If above-mentioned examining have no resolution, then also can obtain the collection identity code from Payment Request person, if this collection identity code belong to this payment code by disburser's collection identity code collection, then have authority to finish this payment code.For example, Payment Request person is by short message or phone incoming call present embodiment system, during the request payment, the caller identification that the present embodiment system notes with the Payment Request reception interface, as the gathering identity code, if this collection identity code belong to this payment code by disburser's collection identity code collection, then have authority to finish this payment code.Finish this payment code if verification result is requestor's lack of competence, then refusal is finished payment, and enters step 205.
Step 204 is finished payment.Payment unit is paid and is transferred accounts, and with disburser's the volume that freezes deduction, and geld or amount paid is transferred accounts to by under disburser's account.
Step 205 is with result notification each side.Each side is notified in modes such as webpage, automatic speech, robocall calling, note, Emails in the result notification interface.If payment is finished, then with result notification Payment Request person or also have by the disburser or also have the disburser.If payment is rejected, then with result notification Payment Request person.
With reference to Fig. 3 is the system schematic of the embodiment of the invention.
This system comprises: identity is obtained interface 301, predetermined guiding interface 302, predetermined reception interface 303, payment unit 304, payment code administrative unit 305, payment code notice interface 306, Payment Request reception interface 307, Payment Request processor 308, result notification interface 309, contributing third party system 310, rights management device 311.
Identity is obtained interface 301, is used to obtain user's identity verification.Predetermined guiding interface 302 is used to guide the consumer premise payment, guarantees the grace payment data fit requirement that the user imports, unformatted mistake.Predetermined reception interface 303 is used to receive the consumer premise payment of predetermined guiding interface 302 guiding or receives the consumer premise payment of contributing third party system 310 guiding.Predetermined reception interface 303 is paid every payment unique serial number association that system generates with this, and gives payment code administrative unit 305 with serial number, disburser's identity, predetermined information etc.Payment code administrative unit 305 is called the method for payment unit 304, freezes disburser's amount paid.If freeze to get nowhere, the amount of money of for example Sorry, your ticket has not enough value on disburser's account grace payment is then refused grace payment; Otherwise the generation payment code writes down payment code and relevant information thereof, and notifies the disburser with payment code by payment code notice interface 306.
Payment Request reception interface 307 receives Payment Request person's information and payment code, writes down the time of receiving, and gives Payment Request processor 308 with it.Whether really, effectively Payment Request processor 308 calls the method for payment code administrative unit 305, retrieves this payment code, examine payment code, if then call the Payment Request state of this payment code of method mark of payment code administrative unit 305.Payment Request processor 308 calls the method for rights management device 311, and whether examine the requestor has authority to finish this payment.Pass through if examine all, then call the method for payment unit 304 and finish payment, call the method for payment code administrative unit 305 then and nullify this payment code; Not person's refusal to pay, and call of the Payment Request state removing of the method for payment code administrative unit 305 with payment code.Payment Request processor 308 is given result notification interface 309 with the result of Payment Request.Result notification interface 309 is with result notification each side concerned.
Payment code administrative unit 305, also comprise a payment code liquidation procedures, be used for checking the uncompleted payment code of expired payment, if there be not ongoing Payment Request or other blockade to this payment code to this payment code, thaw amount paid and payment code nullified of the method for then calling payment unit 304.This program can regularly be carried out.

Claims (16)

1. a method of payment is characterized in that, comprising: grace payment; Payment is finished in request.
2. a kind of method of payment according to claim 1 is characterized in that, described grace payment comprises:
A. disburser or contributing third party's System Agent disburser grace payment;
B. receive grace payment;
C. freeze disburser's geld or payment amount;
D. generate payment code, and write down this payment code, disburser's information at least, by one or several time of payment windows of disburser's information and grace payment;
E. payment code only is notified to the disburser.
3. a kind of method of payment according to claim 1 is characterized in that, described request is finished payment and comprised:
F. receive the payment code that Payment Request person provides;
G. examine payment code,, then finish payment if payment code is certain, effective and the requestor has authority to finish this payment, otherwise the Payment Request failure, refusal is finished payment.
4. a kind of method of payment according to claim 2 is characterized in that, can also comprise between step B and the step C: check disburser's remaining sum, if Sorry, your ticket has not enough value predetermined amount paid then refuse grace payment.
5. according to claim 1 or 2 described a kind of methods of payment, it is characterized in that can also comprise: disburser's predetermined information is notified to by the disburser, and described information does not comprise payment code.
6. according to claim 1 or 2 described a kind of methods of payment, it is characterized in that, can also comprise: obtain disburser's identity verification, if grace payment is then refused in failure.
7. according to claim 1 or 3 described a kind of methods of payment, it is characterized in that can also comprise: validation of payment requestor's authority, lack of competence are finished the then refusal of this payment code and finished payment.
8. a kind of method of payment according to claim 7, it is characterized in that: described validation of payment requestor's authority can be by this Payment Request person of the identity verification that obtains Payment Request person and check system registration and payment code by the relation between the disburser, if Payment Request person be exactly payment code by the collection person of disburser or its permission, then have authority to finish this payment.
9. a kind of method of payment according to claim 7, it is characterized in that: described validation of payment requestor's authority also can be to obtain the collection identity code from Payment Request person, if this collection identity code belong to this payment code by disburser's collection identity code collection, then have authority to finish this payment.
10. according to claim 1 or 2 or 3 described a kind of methods of payment, it is characterized in that, also comprise: clear up expired payment code, if payment code is expired and payment is not finished and payment code is not blocked, geld or the payment amount of then thawing also nullified payment code.
11. according to claim 1 or 3 described a kind of methods of payment, it is characterized in that, also comprise: after finishing payment payment code is nullified.
12., it is characterized in that according to claim 1 or 3 described a kind of methods of payment: if time of receiving payment code in the term of validity of the time of payment of this payment code window definition, then this payment code is effectively, otherwise is invalid.
13., it is characterized in that according to claim 1 or 3 described a kind of methods of payment: described examine payment code comprise at least whether inspection exists this payment code of not being canceled, check payment code whether effectively, check whether Payment Request person has authority to finish this payment.
14. according to claim 1 or 2 or 3 described a kind of methods of payment, it is characterized in that: before finishing payment, native system knows the authority of this payment code only for the disburser of this payment code.
15. obtain 3 described a kind of methods of payment according to claim 1, it is characterized in that, can also comprise: with the result notification relevant party of Payment Request.
16. a payment system is characterized in that mainly comprise: identity is obtained the interface, is used to obtain user's identity verification; Predetermined guiding interface is used to guide the consumer premise payment, guarantees the grace payment data fit requirement that the user imports, unformatted mistake; Predetermined reception interface, the consumer premise payment that is used to receive the consumer premise payment of predetermined guiding interface guiding or receives contributing third party's system bootstrap; Payment unit, be used to freeze the disburser geld or payment amount, finish payment, geld or pay amount thaws; The payment code administrative unit is used to generate payment code, record payment code and relevant information thereof, and retrieval payment code information is nullified payment code, clears up expired payment code; Payment code notice interface is used for payment code is notified to the disburser; The Payment Request reception interface is used to receive Payment Request person's information and payment code; The Payment Request processor is used to examine payment code, finishes or refuses to pay.
CNA2007100418633A 2007-06-12 2007-06-12 Payment method and system Pending CN101324941A (en)

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Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103886500A (en) * 2012-12-20 2014-06-25 Fmr有限责任公司 Method And System For Validating The Quality Of Streaming Financial Services Data
CN104123639A (en) * 2014-07-22 2014-10-29 王彬 Online payment method and system through emotion icons
CN104811458A (en) * 2014-01-23 2015-07-29 阿里巴巴集团控股有限公司 Method and device for displaying information
CN104937624A (en) * 2014-03-11 2015-09-23 深圳市银信网银科技有限公司 Online payment system and method
CN105160564A (en) * 2015-06-13 2015-12-16 陈曦 Transaction processing method and transaction processing device
CN105205404A (en) * 2015-08-31 2015-12-30 小米科技有限责任公司 User level control method and device
CN107133768A (en) * 2017-05-04 2017-09-05 浙江路港互通信息技术有限公司 Payment mechanism and method on line
WO2020125461A1 (en) * 2018-12-18 2020-06-25 郭长来 Method enabling securer transfer of fund for payment

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103886500A (en) * 2012-12-20 2014-06-25 Fmr有限责任公司 Method And System For Validating The Quality Of Streaming Financial Services Data
CN103886500B (en) * 2012-12-20 2015-10-28 Fmr有限责任公司 For verifying the method and system of the quality of streaming financial service data
CN104811458A (en) * 2014-01-23 2015-07-29 阿里巴巴集团控股有限公司 Method and device for displaying information
TWI648643B (en) * 2014-01-23 2019-01-21 阿里巴巴集團服務有限公司 Information display method and device
US10489443B2 (en) 2014-01-23 2019-11-26 Alibaba Group Holding Limited Method and apparatus of displaying information
CN111901226A (en) * 2014-01-23 2020-11-06 创新先进技术有限公司 Information display method and device
CN104937624A (en) * 2014-03-11 2015-09-23 深圳市银信网银科技有限公司 Online payment system and method
CN104123639A (en) * 2014-07-22 2014-10-29 王彬 Online payment method and system through emotion icons
CN105160564A (en) * 2015-06-13 2015-12-16 陈曦 Transaction processing method and transaction processing device
CN105205404A (en) * 2015-08-31 2015-12-30 小米科技有限责任公司 User level control method and device
CN107133768A (en) * 2017-05-04 2017-09-05 浙江路港互通信息技术有限公司 Payment mechanism and method on line
WO2020125461A1 (en) * 2018-12-18 2020-06-25 郭长来 Method enabling securer transfer of fund for payment

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Open date: 20081217