CN101604427A - Method and system for processing transaction data, transaction processing system and third-party payment system - Google Patents

Method and system for processing transaction data, transaction processing system and third-party payment system Download PDF

Info

Publication number
CN101604427A
CN101604427A CN 200910158492 CN200910158492A CN101604427A CN 101604427 A CN101604427 A CN 101604427A CN 200910158492 CN200910158492 CN 200910158492 CN 200910158492 A CN200910158492 A CN 200910158492A CN 101604427 A CN101604427 A CN 101604427A
Authority
CN
Grant status
Application
Patent type
Prior art keywords
transaction
payment
information
system
party
Prior art date
Application number
CN 200910158492
Other languages
Chinese (zh)
Inventor
张骏良
Original Assignee
阿里巴巴集团控股有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date

Links

Abstract

The embodiment of the invention discloses a method and a system for processing transaction data, a transaction processing system and a third-party payment system which are based on a third-party payment platform. The method comprises the following steps: receiving buyer account information transmitted by a buyer in the wireless mode through a mobile terminal; acquiring transaction information and seller account information from a transaction terminal, wherein the transaction information at least comprises transaction amount; sending a transaction request to the third-party payment platform, wherein the transaction request comprises the buyer account information, the seller account information and the transaction information; and receiving transaction result information returned by the third-party payment platform, wherein the transaction result information is generated after the third-party payment platform transfers the transaction amount from a buyer account to a seller account according to the transaction information. The method and the system for processing the transaction data, the transaction processing system and the third-party payment system realize payment through the mobile terminal, so the payment convenience for a user is improved; in addition, the process for realizing the transaction payment is based on the third-party payment platform, so the payment security is improved.

Description

数据处理方法及系统、交易处理系统、第三方支付系统 Data processing methods and systems, transaction processing systems, third-party payment system

技术领域 FIELD

本申请涉及通信技术领域,尤其涉及基于第三方支付平台的交易数据处理方法及系统、交易处理系统、第三方支付系统。 The present application relates to communication technologies, in particular, to transaction data processing method and system based on third-party payment platform, transaction processing systems, third-party payment system.

背景技术 Background technique

位或个人通过电子终端,直接或间接向银行等金融机构发出支付指令,实现货币支付与资金转移的过程。 Bit or individuals through electronic terminals, directly or indirectly, payment instructions issued to banks and other financial institutions, realization of monetary payment and funds transfer. 一种常见的电子支付方式为销售点终端支付(例如, 在商场购买商品),这种支付方式需要用户随身携带银行卡,销售方设置有与银行联网的刷卡机,当用户购买商品时,销售方通过刷卡机完成支付,从用户 A common electronic payment terminals for the point of sale payment (for example, to buy goods in the mall), this payment method requires the user to carry a bank card, the seller is provided with the banking network of the credit card machine when the user purchases and sales Fang complete payment by credit card machines, from the user

的银行帐户中转账相应的金额到销售方的银行帐户中;另一种常见的电子支付方式为基于第三方支付平台的网络支付方式,例如,支付宝,众所周之,第三方支付平台具有较高的支付安全性。 Bank account transfer the appropriate amount to the bank account of the seller; Another common electronic payments network-based payment of third-party payment platforms, such as Alipay, All week, compared with a third-party payment platform high payment security.

在对现有技术的研究和实践过程中,发明人发现上述销售点终端支付方式需要用户实时携带银行卡,而随着通信网络的日益发展,移动终端也成为人们随身携带的必备品,但是,人们在日常生活中可能会因为需要随身携带较多的物品而感到不便,特别在遗忘了银行卡时,则难以在商场等销售点购买商品; 并且,银行卡的遗失或通过银行卡进行支付的过程中,容易泄露用户个人信息, 因此现有销售点终端支付方式的安全性不高。 In the study and practice of the prior art, the inventor found that the above point of sale payment terminal needs to carry a bank card users in real time, and with the increasing development of communication networks, mobile terminal has become the people to carry essential goods, but people in their daily lives may be because more items need to carry the inconvenience, especially when forgotten bank card, it is difficult to buy goods in shopping malls and other points of sale; and, lost bank card or pay by bank card in the process, likely to reveal personal information, and therefore the security of existing point of sale terminal payment is not high. 由此可知,现有技术中虽然移动终端是人们随身携带的物品,并且基于第三方支付平台的支付方式具有较高的安全性,但是却没有在销售点终端支付方式中得到应用。 It can be seen, the prior art, although the mobile terminal is that people carry-on items, and has a high security payment based on third-party payment platform, but has not been used in point of sale terminal payment methods.

发明内容 SUMMARY

本申请实施例的目的是提供基于第三方支付平台的交易数据处理方法及系统、交易处理系统、第三方支付系统,以提高销售点支付方式的支付安全性和用户体验。 The purpose embodiment of the present application is transaction-based data processing method and system of third-party payment platform, transaction processing systems, third-party payment system to enhance payment security and user experience point of sale payment methods.

为解决上述技术问题,本申请实施例提供了一种基于第三方支付平台的交易数据处理方法,是这样实现的: To solve the above problems, the present embodiment provides a transaction data processing method based on third-party payment platform, is implemented as follows:

一种基于第三方支付平台的交易数据处理方法,包括: A trade-data processing method based on third-party payment platform, including:

接收买方通过移动终端以无线方式传输的买方帐户信息; Receiving buyer buyer account information transmitted wirelessly by the mobile terminal;

从交易终端获取交易信息和卖方帐户信息,所述交易信息中至少包含交易 Obtain transaction information and vendor account information from the transaction terminal, the transaction information includes at least a transaction

金额; Amount;

向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息; Payment platform sends a transaction request, the transaction request is included in the buyer's account information, seller account information and transaction information to third parties;

接收所述第三方支付平台返回的交易结果信息,所述交易结果信息为所述第三方支付平台根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户后生成的信息。 Receiving the results of third-party payment transaction information platform for returning the transaction result information to the third-party payment platform transfers the transaction amount to the information generated by the seller after the buyer's account from the account based on the transaction information.

为解决上述技术问题,本申请实施例还提供了另一种基于第三方支付平台的交易数据处理方法,是这样实现的: To solve the above problems, the present embodiment also provides another transaction data processing method based on third-party payment platform, is implemented as follows:

一种基于第三方支付平台的交易数据处理方法,包括: A trade-data processing method based on third-party payment platform, including:

接收交易处理平台发送的交易请求,所述交易请求中包含买方帐户信息、 卖方帐户信息和交易信息,所述交易处理平台用于接收买方通过移动终端以无线方式传输的所述买方帐户信息,以及获取交易终端输入的所述交易信息和卖方帐户信息,所述交易信息中至少包含交易金额; Transaction processing platform receives the transaction request, the transaction request includes the buyer's account information, account information and transaction information of the seller, the transaction processing platform for the buyer of the account information received by the buyer of the mobile terminal transmitted in a wireless manner, and obtaining the transaction information and vendor account information, transaction terminal input transaction information includes at least the amount of the transaction;

根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户; According to the transaction information transfer transaction amount from the buyer's account to the account of the seller;

向所述交易处理平台返回交易结果信息。 Return result of the transaction information to the transaction processing platform.

为解决上述技术问题,本申请实施例还提供了另一种基于第三方支付平台的支付处理系统、交易处理系统、第三方支付系统,分别是这样实现的: To solve the above problems, the present embodiment also provides another third-party payment platform payment processing system based transaction processing systems, third-party payment system, are implemented as follows:

一种基于第三方支付平台的交易数据处理系统,包括:移动终端、交易终 A trade-data processing system based on third-party payment platform, comprising: a mobile terminal, the transaction end

端、交易处理平台和第三方支付平台, End transaction processing platform and third-party payment platform,

所述移动终端,用于以无线方式向所述交易处理平台传输买方帐户信息; The mobile terminal for wirelessly transmitting information to the buyer account transaction processing platform;

所述交易终端,用于向所述交易处理平台提供交易信息和卖方帐户信息, 所述交易信息中至少包含交易金额; The transaction terminal for providing transaction information and vendor account information to the transaction processing platform, the transaction information includes at least the transaction amount;

所述交易处理平台,用于向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息; The transaction processing platform for third-party payment platform to send a transaction request, the transaction request is included in the buyer's account information, seller account information and transaction information;

所述第三方支付平台,用于接收交易处理平台发送的交易请求后,根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户,并向所述交易处理平台返回交易结果信息。 After the third-party payment platform, transaction processing platform for receiving the transaction request sent, according to the transaction information transfer transaction amount from the buyer's account to the account of the seller, and the transaction processing platform to return the transaction result information .

一种交易处理系统,包括:台. A trade-processing system comprising: a table.

信息获取单元,用于从交易终端获取交易信息和卖方帐户信息,所述交易 Information acquisition means for acquiring transaction information and vendor account information from the transaction terminal, the transaction

信息中至少包含交易金额; Information contained in at least the transaction amount;

请求发送单元,用于向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息; Request sending unit configured to send payment platform transaction request, the transaction request is included in the buyer's account information, seller account information and transaction information to third parties;

结果接收单元,用于接收所述第三方支付平台返回的交易结果信息,所述交易结果信息为所述第三方支付平台根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户后生成的信息。 Result receiving unit for receiving the information platform for third-party payment transaction result returned by the transaction result information to the third-party payment platform transfers the transaction amount from the buyer's account based on the transaction information to the seller account after the information generated.

一种第三方支付系统,包括: One kind of third-party payment system, including:

接收请求单元,用于接收交易处理平台发送的交易请求,所述交易请求中包含买方帐户信息、卖方帐户信息和交易信息,所述交易处理平台用于接收买方通过移动终端以无线方式传输的所述买方帐户信息,以及获取交易终端输入 Request receiving means for receiving a transaction request to the transaction processing platform sends the transaction request includes buyer account information, account information and transaction information of the seller, the transaction processing platform for the mobile terminal received by the buyer transmitted wirelessly said buyer account information, transaction and obtain input terminal

的所述交易信息和卖方帐户信息,所述交易信息中至少包含交易金额; The transaction information and vendor account information, transaction information includes at least the amount of the transaction;

交易执行单元,用于根据所述交易信息从所述买方帐户中转账交易金额至 Transaction execution means for transfer from the buyer to the transaction amount in the account based on the transaction information

所述卖方帐户; The seller account;

结果返回单元,用于向所述交易处理平台返回交易结果信息。 A result return unit configured to return the results of transaction information to the transaction processing platform. 可见,在本申请实施例中,充分利用了买方移动终端的随身携带性,以及第三方支付平台的安全性,在销售点支付过程中应用本申请实施例的数据处理方法完成交易支付,由于买方无需再携带4艮行卡,通过移动终端实现支付,因此提高了用户支付的便利性;并且,由于交易支付的实现过程基于第三方支付平台,因此提高了销售点支付的安全性。 Visible, in this application example, take advantage of the security to carry, as well as third-party payment platform for the buyer of a mobile terminal, the application of the application to complete the transaction payment data processing method according to an embodiment in the point of sale payment process, due to the buyer no longer need to carry four Burgundy line card, the payment through the mobile terminal, thereby increasing the convenience for the user to pay; and, as a result of the payment transaction process based on third-party payment platform, thus increasing the safety point of sale payments.

附图说明 BRIEF DESCRIPTION

为了更清楚地说明本申请实施例或现有技术中的技术方案,下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图仅仅是本申请中记载的一些实施例,对于本领域普通技术人员来讲, 在不付出创造性劳动性的前提下,还可以根据这些附图获得其他的附图。 In order to more clearly illustrate the technical solutions in the embodiments or the prior art embodiment of the present application, the accompanying drawings briefly described embodiments or the prior art needed to be used in describing the embodiments. Apparently, the drawings in the following description only some embodiments, those of ordinary skill in the art is concerned, without any creative effort, and can also be obtained from these drawings other drawings in the present application described.

图1为本申请基于第三方支付平台的交易数据处理方法的第一实施例流 Figure 1 is a first embodiment of the third-party payment application platform's processing method based on stream

程图; Chart;

图2为本申请基于第三方支付平台的交易数据处理方法的第二实施例流 FIG 2 is a third-party payment application platform's processing method based on a second embodiment of the flow

程图; Chart;

图3为本申请基于第三方支付平台的交易数据处理方法的第一实施例流 Figure 3 is a first embodiment of the third-party payment application platform's processing method based on stream

程图; Chart;

图4为本申请基于第三方支付平台的交易数据处理系统的实施例框图; 图5为本申请交易处理系统的实施例框图; 图6为本申请第三方支付系统的实施例框图。 FIG 4 is a block diagram of embodiments of the application's processing system based on third-party payment platform; FIG. 5 a block diagram of an embodiment of the transaction processing system of the present application; FIG. 6 is a block diagram of an embodiment of the third-party payment system application.

具体实施方式 detailed description

本申请实施例提供了基于第三方支付平台的交易数据处理方法及系统、交易处理系统、第三方支付系统。 Embodiments of the present application provides a transaction data processing method and system based on third-party payment platform, transaction processing systems, third-party payment system.

其中,本申请实施例中所述第三方支付平台为通过网络或专线与银行相连 Wherein application of the present embodiment, the third party payment platform or connected through a network with a bank dedicated line

并具备信誉保障的独立于买方和卖方的第三方机构提供的交易平台,例如,支付宝;移动终端指手机、PDA ( Personal Digital Assistant,个人数码助理)等便于用户随身携带的电子终端。 And independent third-party buyers and sellers of credit protection agencies have provided trading platforms, such as Alipay; mobile terminal refers to a mobile phone, PDA (Personal Digital Assistant, personal digital assistants) and other easy to carry electronic end user.

为了使本技术领域的人员更好地理解本申请中的技术方案,下面将结合本申请实施例中的附图,对本申请实施例中的技术方案进行清楚、完整地描述, 显然,所描述的实施例仅仅是本申请一部分实施例,而不是全部的实施例。 In order to make those skilled in the art better understand the technical solution of the present application, in conjunction with the following drawings of the present application example embodiments, the technical solutions in the present application will be clearly and completely described, obviously, the described Example embodiments are merely part of embodiments of the present application, rather than all embodiments. 基于本申请中的实施例,本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例,都应当属于本申请保护的范围。 Based on the embodiments of the present disclosure, one of ordinary skill in this art All other embodiments without creative work obtained, it shall fall into the scope of the present application.

本申请基于第三方支付平台的交易数据处理方法的第一实施例流程如图1所示,该实施例从交易处理平台方描述了交易数据处理过程: This application is based on the first embodiment of the process's processing method of the third-party payment platform shown in Figure 1, this embodiment describes the transaction from the transaction processing data processing platform side:

户信息。 User information. 买方预先在第三方支付平台上注册了买方帐户,注册完成后,将买方帐户的信息预先存储在随身携带的移动终端内。 Buyers pre-registered in the buyer's account on the third-party payment platform, after the registration is complete, the buyer account information previously stored in the portable mobile terminal. 其中,当移动终端内设置有用于发送射频信号的无接触芯片时,移动终端通过无接触芯片向交易处理平台发送买 Wherein, when the mobile terminal is provided with a contactless chip for transmitting a radio frequency signal, the mobile terminal transmits via a contactless chip transaction processing platform to buy

方帐户信息,无才妄触芯片可以具体为RFID ( Radio Frequency Identification,射频识别)芯片,或者FeliCaIC芯片等;当移动终端内设置有蓝牙模块或红外模块时,移动终端通过蓝牙模块或红外模块向交易处理平台发送买方帐户信息。 's account information, not only jump contact chip may be embodied as a RFID (Radio Frequency Identification, RFID) chip or FeliCaIC chip; when provided with a Bluetooth module or infrared modules within the mobile terminal, the mobile terminal through the Bluetooth module or infrared modules to transaction processing platform sends the buyer account information.

在存储买方帐户信息时,可以在移动终端内设置帐户信息存储程序,类似于现有手机中存储个人信息的功能,通过该程序将用户输入的帐户信息存储在移动终端的存储空间内;或者,也可以将帐户信息预先保存在某个芯片中,并将该芯片植入到移动终端内。 When the customer account information is stored, the program may be provided the account information is stored in the mobile terminal, a function similar to the conventional personal information stored in the phone, through the program input by the user account information stored in the storage space of the mobile terminal; or account information may be stored in advance in a chip, and the chip is implanted into the mobile terminal. 在交易处理平台方,可以通过设置信号接收器来接收移动终端传输的买方帐户信息,该信号接收器通常位于交易的实际发生地,例如,商场。 Party in the transaction processing platform, the buyer of the account information may be received by the mobile terminal transmits the signal receiver is provided, the signal receiver usually located in the actual transaction occurred, for example, shopping malls. 信号接收器与移动终端之间进行信息交互时,当移动终端接近信号接收器时,由信号接收器发出获取买方帐户信息的指令,然后移动终端内的无接触芯片将买方帐户信息以字符串的格式发送给信号接收器,信号接收器将接收到的字符串格式的信息转换为买方帐户信息。 When the signal receiver performs information interaction with the mobile terminal, when the mobile terminal is close to the signal receiver, the buyer instructs obtain account information from the signal receiver, and then move in the contactless chip terminal buyer account information string transmission format to the signal receiver, the signal receiver receives the format information into a character string buyer account information.

步骤102:交易处理平台从交易终端获取包含交易金额的交易信息和卖方帐户信息。 Step 102: transaction processing platform to obtain transaction information and vendor account information includes the transaction amount from the transaction terminal.

交易终端通常也设置在交易的实际发生地,当交易发生时,卖方向交易终端输入包含交易金额的交易信息和卖方帐户信息,交易终端通过网络传输交易信息和卖方帐户信息至交易处理平台。 Trading Terminal usually set in the actual transactions took place, when the transaction occurs, the seller to the transaction terminal to enter transaction information and vendor account information includes the transaction amount, transaction terminals and transaction information transmitted over the network account information to the seller transaction processing platform. 其中,卖方也预先在第三方支付平台上注册了卖方帐户,注册完成后,将卖方帐户信息预先存储在交易终端内。 Among them, the seller also pre-registered seller account on the third-party payment platform, after the registration is complete, the seller account information stored in advance in the trading terminal.

步骤103:交易处理平台向第三方支付平台发送包含买方帐户信息、卖方帐户信息和交易信息的交易请求。 Step 103: transaction processing platform to third-party payment platform, the buyer sends an account information, transaction information the seller account and transaction information requests.

其中,当有两个以上的买方需要交易时,在交易处理平台方需要每个买方顺序交易,并且对每笔交易都可以通过设置唯一标识码进行区别。 Wherein, when there are two or more transactions require the buyer, the buyer needs to order each transaction in the transaction processing platform side, and for each transaction can be distinguished by providing a unique identification.

步骤104:交易处理平台接收第三方支付平台返回的交易结果信息,结束当前流程。 Step 104: transaction processing platform to receive third-party payment platform transactions result information returned by the end of the current process.

其中,交易结果信息为第三方支付平台根据交易信息从买方帐户中转账交易金额至卖方帐户后所生成的信息。 Wherein the transaction result information payment information platform based on post-trade information transfer transaction amount from the buyer's account to the seller's account generated by third parties.

本申请基于第三方支付平台的交易数据处理方法的第二实施例流程如图 This application is based on the second embodiment of the process's processing method of the third-party payment platforms in FIG.

2所示,该实施例从第三方支付平台方描述了交易数据处理过程: 2, this embodiment is described from a third party internet payment transaction data processing:

步骤201:第三方支付平台接收交易处理平台发送的包含买方帐户信息、 Step 201: third-party payment platform receives transaction processing platform sends information includes buyer's account,

卖方帐户信息和交易信息的交易请求。 Trading seller account information and transaction information request.

其中,买方通过移动终端以无线方式传输买方帐户信息到交易处理平台, Among them, the buyer transmit information to the buyer's account transaction processing platform through the mobile terminal wirelessly,

交易处理平台从交易终端获取包含交易金额的交易信息和卖方帐户信息。 Transaction processing platform to obtain transaction information and vendor account information includes the transaction amount from the transaction terminal.

步骤202:第三方支付平台根据交易信息从买方帐户中转账交易金额至卖 Step 202: third-party payment platform transfers the transaction amount from the buyer's account based on the transaction information to sell

方帐户。 Party account.

步骤203:第三方支付平台向交易处理平台返回交易结果信息,结束当前流程。 Step 203: third-party payment platform to return the transaction result information to the transaction processing platform, the current process ends.

其中,如果第三方支付平台转账成功,则向交易处理平台返回转账交易金额成功的交易结果信息;如果第三方支付平台转账失败,则向交易处理平台返回转账交易金额失败的交易结果信息。 Among them, if the third-party payment platform transfer is successful, the transaction processing platform returns a successful transfer transaction amount of the transaction result information; if the third-party payment platform transfer fails, the transaction processing platform to return the transaction result information transfer amount of the transaction failed.

本申请基于第三方支付平台的交易数据处理方法的第三实施例流程如图3所示,该实施例详细示出了基于第三方支付平台,用户通过移动终端实现销售点支付的过程: This application is based on the third embodiment of the process's processing method of the third-party payment platform shown in Figure 3, this embodiment is shown in detail a process based on a third-party payment platforms, point of sale payment users is achieved by a mobile terminal:

步骤301:买方携带的移动终端以无线方式向交易处理平台传输买方帐户信息。 Step 301: Buyer portable mobile terminal information wirelessly to the buyer's account transfer transaction processing platform.

买方预先在第三方支付平台上注册了买方帐户,注册完成后,将买方帐户的信息预先存储在随身携带的移动终端内。 Buyers pre-registered in the buyer's account on the third-party payment platform, after the registration is complete, the buyer account information previously stored in the portable mobile terminal.

其中,当移动终端内设置有用于发送射频信号的无接触芯片时,移动终端通过无接触芯片向交易处理平台发送买方帐户信息,无接触芯片可以具体为RFID芯片,或者FeliCaIC芯片等;当移动终端内设置有蓝牙模块或红外模块时,移动终端通过蓝牙模块或红外模块向交易处理平台发送买方帐户信息。 Wherein, when the mobile terminal is provided with a contactless chip for transmitting a radio frequency signal, the mobile terminal by contactless chip sends the buyer of the account information to the transaction processing platform, a contactless chip may be embodied as a RFID chip or FeliCaIC chip; when the mobile terminal when provided with an internal Bluetooth module or infrared module, the mobile terminal transmits information to the buyer's account transaction processing platform via infrared or Bluetooth module module. 相应的,在交易处理平台方,可以通过设置信号接收器来接收移动终端传输的买方帐户信息,该信号接收器通常位于交易的实际发生地,例如,商场。 Accordingly, in the transaction processing platform side, the buyer may receive the account information provided by the mobile terminal transmitted the signal receiver, the signal receiver usually located in the actual transaction occurred, for example, shopping malls. 步骤302:交易处理平台从交易终端获取包含交易金额的交易信息和卖方帐户信息。 Step 302: transaction processing platform to obtain transaction information and vendor account information includes the transaction amount from the transaction terminal.

交易终端通常也设置在交易的实际发生地,当交易发生时,卖方向交易终端输入包含交易金额的交易信息和卖方帐户信息,交易终端通过网络传输交易信息和卖方帐户信息至交易处理平台。 Trading Terminal usually set in the actual transactions took place, when the transaction occurs, the seller to the transaction terminal to enter transaction information and vendor account information includes the transaction amount, transaction terminals and transaction information transmitted over the network account information to the seller transaction processing platform. 其中,卖方也预先在第三方支付平台上注册了卖方帐户,注册完成后,将卖方帐户信息预先存储在交易终端内。 Among them, the seller also pre-registered seller account on the third-party payment platform, after the registration is complete, the seller account information stored in advance in the trading terminal.

步骤303:交易处理平台根据买方帐户信息、卖方帐户信息和交易信息在数据库中创建交易记录,并为该交易记录分配唯一的交易号。 Step 303: transaction processing platform based on buyer's account information, account information and transaction information the seller to create a transaction recorded in the database, and assign a unique transaction number for the transaction.

其中,在数据库中创建的交易记录通常以表的形式存放,每一个表项代表一条交易记录,每一条交易记录通过分配的唯一交易号进行识别,该交易号可以具体为由交易时间、交易商品编号和交易流水号顺序排列组成的^:字编号, 交易号的具体形式本申请实施例不做限制,只要能够唯一识别交易记录的交易号即可。 Wherein the transaction record is created in the database is usually stored in the form of tables, each table entry represents a transaction, each transaction record is identified by a unique transaction number assigned by the transaction number may be specific transaction time, trading commodities serial number and order transactions consisting of ^: word number, number of transactions in the form of specific embodiments of the present application is not limited to the embodiments as long as the transaction number to uniquely identify the transaction.

步骤304:交易处理平台将该交易记录的交易属性设置为未完成交易。 Step 304: The trading platform transaction processing property transactions for non-completion of the transaction.

在步骤303中所创建的用于保存交易记录的表中,还可以设置交易属性字段,用于标识交易是否完成。 Table used to store transaction records in step 303 are created, you can also set the transaction attribute field that identifies whether the transaction is completed. 当在交易处理平台中新增一条交易记录时,初始将该交易记录的交易属性设置为未完成交易。 When a new transaction record in the transaction processing platform, an initial transaction record for the transaction attribute set to the transaction is not completed.

步骤305:交易处理平台向第三方支付平台发送包含买方帐户信息、卖方帐户信息和交易信息的交易请求。 Step 305: transaction processing platform to third-party payment platform, the buyer sends an account information, transaction request seller account information and transaction information.

步骤306:第三方支付平台根据预先建立的买方帐户和卖方帐户检测交易请求中的买方帐户信息和卖方帐户信息是否正确,若是,则执行步骤307;否则,执行步骤313。 Step 306: third-party payment platform accounts according to the buyer and the seller account transaction request is detected in a pre-established account information for the buyer and seller account information is correct, and if so, step 307 is performed; otherwise, step 313.

步骤307:第三方支付平台根据交易信息从买方帐户中转账交易金额至卖方帐户。 Step 307: third-party payment platform transfers the transaction amount to the seller from the buyer's account according to the account transaction information.

步骤308:第三方支付平台判断转账交易金额是否成功,若是,则执行步骤309;否则,执行步骤311。 Step 308: third-party payment platform to determine whether the transfer amount of the transaction is successful, and if so, step 309 is executed; otherwise, step 311.

要完成从买方帐户向卖方帐户转账交易金额,则需要保证买方帐户内有足够金额,同时需要保证买方帐户和卖方帐户均处于可用状态,否则,第三方支付平台无法完成转账交易金额。 To complete the transfer transaction amount from the buyer's account to the seller account, you need to ensure that there is enough money in the account buyer, and the need to ensure that the buyer and seller accounts are accounts in a usable state, otherwise, the third-party payment platform can not complete the transfer transaction amount. 用户可以通过网4艮在第三方支付平台的帐户内充值,例如,第三方支付平台为支付宝,充值后买方帐户内的总金额即为该买方在第三方支付平台中的帐户余额。 Users can network 4 Gen recharge your account third-party payment platform, for example, third-party payment platform Alipay, the total amount in the account of the buyer shall be the buyer after payment platform recharge the account balance in a third party. 当交易过程中,买方帐户内的帐户余额不足以支付交易金额时,则无法完成本次支付,系统会提示买方其帐户余额不足。 When the transaction process, the buyer's account balance in the account is insufficient to cover the transaction amount, you can not complete this payment, the system will prompt the buyer's account balance.

步骤309:第三方支付平台保存包含交易金额的交易记录,向交易处理平台返回交易成功的交易结果信息,并向移动终端发送交易成功消息。 Step 309: third-party payment platform save a transaction transaction amount, return the transaction result information to the success of the transaction transaction processing platform, and sends the transaction success message mobile terminal.

第三方支付平台转账交易金额成功,可以保存包含交易金额的交易记录, 该交易记录内可以进一步包含交易完成时间、买方帐户信息和卖方帐户信息等;同时,第三方支付平台向移动终端发送交易成功消息,第三方支付平台在创建买方帐户时,还同时存储了买方移动终端的联系方式,例如,第三方支付平台保存了买方所持手机的号码,则第三方支付平台在转账成功后,通过存储的号码向买方手才几发送短消息,通知买方交易成功。 Third-party payment platform transfers the transaction amount, you can save the transaction records include transaction amount, within the transaction record may further include the time the transaction is completed, the buyer and the seller account information, account information and other; at the same time, third-party payment platform to the mobile terminal transaction is successful messages, third-party payment platform when creating a buyer account, while also stores Contact buyer mobile terminal, for example, third-party payment platform saves the buyer's phone number is held, the third party payment platform after a successful transfer, by storing the only a few numbers to send a short message to the buyer hand, notify the buyer transaction was successful.

步骤310:交易处理平台才艮据交易结果信息更新交易属性为完成交易,并向交易终端发送交易成功消息,结束当前流程。 Step 310: transaction processing platform was the result of the transaction, according to Gen information update property transaction transaction success message to complete the transaction and sends the transaction terminal, the current process ends.

步骤311:第三方支付平台向交易处理平台返回交易失败的交易结果信息, 并向移动终端发送交易失败消息。 Step 311: third-party payment platform transactions failed to return the transaction result information to the transaction processing platform, and sends a transaction failure message to the mobile terminal.

步骤312:交易处理平台根据交易结果信息向交易终端发送交易失败消息,结束当前流程。 Step 312: The transaction processing platform sends the transaction information to the transaction terminal transaction result failure message, the current process ends.

步骤313:第三方支付平台向交易处理平台发送交易失败消息,结束当前流程。 Step 313: third-party payment platform sends a transaction failure message to the transaction processing platform, the current process ends.

需要说明的是,上述交易处理平台和第三方支付平台可以通过分别设置一个或多个服务器进行交易数据的处理,对此本申请实施例不做限制。 Incidentally, the above-described third-party payment transaction processing platform and the platform may process the transaction data provided by one or more servers, respectively, application of the present embodiment is not limited in this embodiment.

下面以用户在商场内购买数码相机为例示出了基于第三方交易平台的移动支付过程: Below the user to purchase a digital camera in the mall shows an example mobile payment process based on third-party trading platform:

用户和商场分别预先在第三方支付平台上设置了帐户,并且用户的手^L内预先植入了RFID芯片,该芯片内存储了用户帐户信息,当用户在商场选择价值为2000元的数码相机后,在商场收银台处进行付款,商场收银台设置有读卡器和交易终端设备,用户通过手机内设置的RFID芯片向读卡器发送包含用户帐户信息的射频信号,读卡器将该用户帐户信息传输到交易处理平台,并且交易终端设备将商场帐户信息和金额2000元传输到交易处理平台,进一步还可以传输数码相机的商品编号、商品名称。 Users and shopping malls are pre-set on the third-party payment platform accounts, and the user's hand ^ L with pre-implanted RFID chip, the chip is stored within the user account information when the user selects a value of 2,000 yuan a digital camera in the mall after payment the cashier in shopping malls, shopping malls cash register provided with a card reader and transaction terminal equipment, the user transmits a radio frequency signal comprising the user account information to the card reader through RFID chip provided in the mobile phone, the user card reader account information is transmitted to transaction processing platform, and transaction terminal device transmits account information and shopping malls of $ 200 to transaction processing platform, and may further transmit digital camera product number, product name.

交易处理平台可以先检查用户账户是否合法,金额格式是否准确,在检查一切正确后,保存商品编码,用户账户、商场账户、商品名称、商品金额等信息,然后为该笔数码相机的交易在数据库的交易表中创建交易记录,例如,商 Transaction processing platform can check the user account is legitimate, the amount of formats is accurate, after checking everything is correct, save the commodity code, user account information, account shopping malls, trade names, such as the amount of goods, then the sum of digital cameras for the transaction in the database the transaction table to create a transaction, for example, business

品名称字段写入"数码相机",商品金额字段写入"2000",商品属性字段写入 Product Name field write "digital camera", the amount of goods field write "2000", written product attributes field

"未完成交易"、买方帐户字段写入用户帐户信息、卖方帐户字4殳写入商场帐 "Transaction is not completed," buyer account field write user account information, account Seller written word 4 Shu shopping account

户信息,交易号字段写入为该条交易生成的唯一交易号"200905160000001" (其中,20090516标识交易产生的日期,0000001标识交易的流水号)。 User information, the transaction number field write transactions generated for that section of the unique transaction number "200905160000001" (which identifies the transaction date 20,090,516 generated by identifying the transaction serial number 0000001). 交易创建成功后,交易处理平台通过网络向第三方支付平台发送支付请求,该请求中至少包括:商场账户、用户账户和金额2000。 After the transaction is successfully created, the transaction processing platform sends a payment request to the payment platform through a third-party network, the request includes at least: shopping accounts, user accounts, and the amount of 2000.

第三方支付平台接收到支付请求后,检查用户和商场的账户状态是否正常,并检查用户账户内是否有足够的金额支付2000元,检查通过后从用户帐户内转账2000元到商场帐户,更新用户账户金额。 Third-party payment platform after receiving the payment request, check the user account status and shopping malls is normal, and check whether there are sufficient funds to pay 2000 yuan within a user account, after examination by 2,000 yuan to transfer your account from within the mall user accounts, updating user account balance. 转账成功后,将交易成功的结果信息返回给交易处理系统,交易处理平台更新该数码相机的交易记录的交易属性为"完成交易",并在交易终端上显示该交易成功的信息;同时,第三方支付平台向用户手机发送交易成功的短消息,从而完成数码相机的交易过程。 After the transfer is successful, the transaction is successful outcome information back to transaction processing systems, transaction processing platform update transaction property transaction records of the digital camera to "complete the transaction", indicating success of the transaction information at the transaction terminal; at the same time, the first party payment platform to send short messages to the user's mobile phone trading success, thus completing the transaction process digital cameras.

由此可知,上述本申请交易数据处理的实施例充分利用了买方移动终端的随身携带性,以及第三方支付平台的安全性,在销售点支付过程中应用本申请实施例的数据处理方法完成交易支付,由于买方无需再携带银行卡,通过移动终端实现支付,因此提高了用户体验;并且,由于交易支付的实现过程基于第三方支付平台,因此提高了销售点支付的安全性。 This indicates that the above-described embodiments of the present application's process makes full use of portable safety, as well as the buyer of the third-party payment platform of the mobile terminal, application of the present application point of sale payment process in the data processing method of this embodiment to complete the transaction pay, because the buyers no longer need to carry bank card, the payment through a mobile terminal, thereby improving the user experience; and, as a result of the payment transaction process based on third-party payment platform, thus increasing the safety point of sale payments.

与本申请基于第三方支付平台的交易数据处理方法的实施例相对应,本申请还提供了基于第三方支付平台的交易数据处理系统、交易处理系统和第三方支付系统的实施例。 Embodiment of the present application's processing method based on the third-party payment platform corresponds to the present application also provides an embodiment of a data processing system based on third-party payment transaction platform, the transaction processing system and the third-party payment system.

本申请基于第三方支付平台的交易数据处理系统的实施例框图如图4所示,该系统包括:移动终端410、交易终端420、交易处理平台430和第三方支付平台440。 This application is based on the embodiment of the processing system's third-party payment platforms diagram shown in Figure 4, the system comprising: a mobile terminal 410, the transaction terminal 420, the transaction processing platform 430 and third-party payment platform 440.

其中,移动终端410用于以无线方式向所述交易处理平台传输买方帐户信 Wherein, the mobile terminal 410 for transmitting a buyer account channel in a wireless manner to the transaction processing platform

息; interest;

交易终端420用于向所述交易处理平台提供交易信息和卖方帐户信息,所 Transaction terminal 420 for providing transaction information and vendor account information to the transaction processing platform, the

述交易信息中至少包含交易金额; Said transaction information includes at least the transaction amount;

交易处理平台430用于向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息; Transaction processing platform 430 for payment to third-party platform sends a transaction request, the transaction request is included in the buyer's account information, seller account information and transaction information;

第三方支付平台440用于接收交易处理平台发送的交易请求后,根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户,并向所述交易处理平台返回交易结果信息。 After the third-party payment platform for transaction processing platform 440 for receiving the transaction request, according to the transaction information transfer transaction amount from the buyer's account to the account of the seller, and the transaction processing platform to return the transaction result information.

本申请交易处理系统的实施例框图如图5所示,该系统包括:信息接收单元510、信息获取单元520、请求发送单元530和结果接收单元540。 Embodiments of the present application transaction processing system diagram shown in Figure 5, the system comprising: an information receiving unit 510, the information acquisition unit 520, a request transmitting unit 530 and receiving unit 540 result.

其中,信息接收单元510用于接收买方通过移动终端以无线方式传输的买方帐户信息; Wherein the information receiving unit 510 receives the buyer's account information for the buyer of transmission by the mobile terminal in a wireless manner;

信息获取单元520用于从交易终端获取交易信息和卖方帐户信息,所述交易信息中至少包含交易金额; Information acquisition unit 520 for acquiring the transaction information and the account information from the seller transaction terminal, the transaction information includes at least the amount of the transaction;

请求发送单元530用于向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息; Request sending unit 530 for payment to third-party platform sends a transaction request, the transaction request is included in the buyer's account information, seller account information and transaction information;

结果接收单元540用于接收所述第三方支付平台返回的交易结果信息,所述交易结果信息为所述第三方支付平台根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户后生成的信息。 Result receiving unit 540 for receiving the results of third-party payment transaction information platform for returning the transaction result information to the third-party payment platform based on the transaction information transfer transaction amount from the buyer's account to the account of the seller after the information generated.

进一步,该交易处理系统还可以包括(图5中未示出):记录创建单元, 用于根据所述买方帐户信息、卖方帐户信息和交易信息在数据库中创建交易记录,为所述交易记录设置交易属性,并为所述交易记录分配唯一的交易号,所述请求发送单元向第三方支付平台发送交易请求前,所述记录创建单元将所述交易属性设置为未完成交易;判断执行单元,用于根据所述结果接收单元接收的交易结果信息判断,如果转账交易金额成功,更新所述交易属性为完成交易,向所述交易终端发送交易成功消息;如果转账交易金额失败,向所述交易终端发送交易失败消息。 Further, the transaction processing system may further comprise (not shown in FIG. 5): record creation unit for account information to the buyer, the seller account information and transaction information creating transactions in the database, the transaction record is provided to property transaction, and the transaction is assigned a unique record transaction number, the request sending unit to send the third-party platform before payment transaction request, said transaction record creation unit sets the property to the transaction is not completed; Analyzing execution unit, Analyzing the results of the transaction information receiving unit for receiving, according to the result, if the transfer success of the transaction amount, the transaction attribute is updated to complete the transaction, sends the transaction success message to the transaction terminal; transaction amount if the transfer fails, to the transaction terminal sends a transaction failure message.

本申请第三方支付系统的实施例框图如图6所示,该系统包括:接收请求单元610、交易执行单元620和结果返回单元630。 Embodiments of the present application the third-party payment system diagram shown in Figure 6, the system comprising: a request receiving unit 610, an execution unit 620 and the transaction result return unit 630.

其中,接收请求单元610用于接收交易处理平台发送的交易请求,所述交易请求中包含买方帐户信息、卖方帐户信息和交易信息,所述交易处理平台用 Wherein the request receiving unit 610 for receiving a transaction request to the transaction processing platform sends the transaction request includes buyer account information, account information, vendor and transaction information with the transaction processing platform

终端输入的所述交易信息和卖方帐户信息,所述交易信息中至少包含交易金额; Input terminal of the transaction information and vendor account information, transaction information includes at least the amount of the transaction;

交易执行单元620用于根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户; Trade execution unit 620 for information transfer according to the transaction amount of the transaction from the buyer's account to the account of the seller;

结果返回单元630用于向所述交易处理平台返回交易结果信息。 A result return unit for returning the transaction result information 630 to the transaction processing platform.

进一步,该第三方支付系统还可以包括(图6中未示出):检测执行单元, 用于根据预先建立的买方帐户和卖方帐户检测所述交易请求中的买方帐户信息和卖方帐户信息是否正确,如果正确,则触发所述交易执行单元的功能;如果不正确,则向所述交易处理平台发送交易失败消息。 Further, the third-party payment system may further include (not shown in FIG. 6): execution detection means, according to buyer account information and account information seller and buyer account Seller Account detecting the transaction request pre-established correct If correct, the transaction function executing unit is triggered; if not, the transaction failure message is sent to the transaction processing platform.

进一步,该第三方支付系统还可以包括(图6中未示出):结果执行单元, 用于当结果返回单元返回转账交易金额成功的交易结果信息后,保存包含所述交易金额的交易记录,向所述移动终端发送交易成功消息;当结果返回单元返回转账交易金额失败的交易结果信息后,向所述移动终端发送交易失败消息。 Further, the third-party payment system may further include (not shown in FIG. 6): The results of the execution unit, for, when the result return unit returns a successful result of the transfer transaction amount of the transaction information stored transaction records contain the transaction amount, the mobile terminal sends the transaction success message; when the return unit returns the result of the failure of the transaction amount of the transaction transfer result information, transmitting to the mobile terminal transaction failure message.

通过以上的实施方式的描述可知,本申请实施例充分利用了买方移动终端的随身携带性,以及第三方支付平台的安全性,在销售点支付过程中应用本申请实施例的数据处理方法完成交易支付,由于买方无需再携带银行卡,通过移动终端实现支付,因此提高了用户支付的便利性;并且,由于交易支付的实现过程基于第三方支付平台,因此提高了销售点支付的安全性。 By the above described embodiments can be seen, embodiments of the present application leverages the portable security, as well as the buyer of the third-party payment platform of the mobile terminal, application of the present application point of sale payment process in the data processing method of this embodiment to complete the transaction pay, because the buyers no longer need to carry bank card, the payment through a mobile terminal, thereby increasing the convenience for the user to pay; and, as a result of the payment transaction process based on third-party payment platform, thus increasing the safety point of sale payments. 应用上述本申请实施例,可以通过移动终端实现近距离非接触的移动支付,即用户可以通过手机、PDA等移动终端为工具,通过通信网络,在第三方支付平台实现资金由 Application of the above-described embodiments of the present application may be implemented in a non-contact proximity mobile payment through a mobile terminal, i.e. a user can phone, PDA and other mobile terminal is a tool, through a communication network, the payment by a third party funds platform

16支付方转移到受付方。 16 transferred to the payer by the payer. 本申请实施例可以应用在很多销售点支付的场合,例如, 商场、超市、影院、停车费缴纳等。 Example embodiments of the present application can be applied in many occasions the point of sale payments, for example, shopping malls, supermarkets, theaters, parking and other fees paid.

通过以上的实施方式的描述可知,本领域的技术人员可以清楚地了解到本申请可借助软件加必需的通用硬件平台的方式来实现。 By the above described embodiments can be seen, those skilled in the art can understand that the present application may be implemented by software plus a necessary universal hardware platform. 基于这样的理解,本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形 Based on this understanding, the technical solutions of the present application or the nature of the part that makes contributions to the prior art can be shaped software products

式体现出来,该计算机软件产品可以存储在存储介质中,如ROM/RAM、磁碟、 光盘等,包括若干指令用以使得一台计算机设备(可以是个人计算机,服务器, 或者网络设备等)执行本申请各个实施例或者实施例的某些部分所述的方法。 Formula reflected, the computer software product may be stored in a storage medium such as ROM / RAM, magnetic disk, optical disk, and include several instructions that enable a computer device (may be a personal computer, a server, or network device) to execute the method of some parts of the various embodiments of the present application embodiment or embodiments.

本说明书中的各个实施例均采用递进的方式描述,各个实施例之间相同相似的部分互相参见即可,每个实施例重点说明的都是与其他实施例的不同之处。 In this specification various embodiments are described in a progressive manner, similar portions of the same between the various embodiments refer to each other, are different from the embodiment and the other embodiments described each embodiment focus. 尤其,对于系统实施例而言,由于其基本相似于方法实施例,所以描述的比较简单,相关之处参见方法实施例的部分说明即可。 In particular, for embodiments of the system, since they are substantially similar to the method embodiments, the description is relatively simple, some embodiments of the methods see relevant point can be described.

本申请可用于众多通用或专用的计算系统环境或配置中。 This application can be used in numerous general purpose or special purpose computing system environments or configurations. 例如:个人计算机、服务器计算机、手持设备或便携式设备、平板型设备、多处理器系统、基于微处理器的系统、置顶盒、可编程的消费电子设备、网络PC、小型计算机、 大型计算机、包括以上任何系统或设备的分布式计算环境等等。 For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PC, minicomputers, mainframe computers, comprising any of the above systems or devices, the distributed computing environment.

本申请可以在由计算机执行的计算机可执行指令的一般上下文中描述,例如程序模块。 This application may be described in the general context of computer-executable instructions, executed by a computer, such as program modules. 一般地,程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。 Generally, program modules include performing particular tasks or implement particular abstract data types routines, programs, objects, components, data structures, and the like. 也可以在分布式计算环境中实践本申请,在这些分布式计算环境中,由通过通信网络而被连接的远程处理设备来执行任务。 This application may be practiced in a distributed computing environment, the distributed computing environments, where tasks are performed by remote processing devices that are linked through a communications network. 在分布式计算环境中,程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。 In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices in.

虽然通过实施例描绘了本申请,本领域普通技术人员知道,本申请有许多变形和变化而不脱离本申请的精神,希望所附的权利要求包括这些变形和变化而不脱离本申请的精神。 Although it depicted herein by the present embodiment, one of ordinary skill in the art that the present application many modifications and variations without departing from the spirit of the present disclosure, intended that the appended claims include such modifications and variations are possible without departing from the spirit of the present disclosure.

Claims (14)

  1. 1、一种基于第三方支付平台的交易数据处理方法,其特征在于,包括: 接收买方通过移动终端以无线方式传输的买方帐户信息; 从交易终端获取交易信息和卖方帐户信息,所述交易信息中至少包含交易金额; 向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息; 接收所述第三方支付平台返回的交易结果信息,所述交易结果信息为所述第三方支付平台根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户后生成的信息。 A transaction data processing method based on the third-party payment platform, characterized in that, comprising: receiving buyer buyer account information transmitted wirelessly by the mobile terminal; obtaining vendor information and the transaction information from the account transaction terminal, the transaction information contains at least the transaction amount; paid to a third party platform sends transaction request, the transaction request is included in the buyer's account information, seller account information and transaction information; receiving the results of third-party payment transaction information platform for the return of the transaction result information to the third-party payment platform transfers the transaction amount from the buyer's account based on the transaction information to information generated after the seller account.
  2. 2、 根据权利要求1所述的方法,其特征在于,所述买方帐户信息预先设置在所述移动终端内;移动终端以无线方式传输买方帐户信息包括:所述移动终端内设置有用于发送射频信号的无^l妄触芯片时,所述移动终端通过所述无接触芯片发送所述买方帐户信息;或所述移动终端内设置有蓝牙模块或红外模块时,所述移动终端通过所述蓝牙模块或红外模块发送所述买方帐户信息。 2. The method according to claim 1, characterized in that, the buyer account information previously provided in the mobile terminal; mobile terminal wirelessly transmit buyer account information comprises: transmitting the setting for the mobile terminal within a radio frequency ^ l when no signal contact chip jump, the mobile terminal through the contactless chip sends the buyer account information; or when the module is provided with a Bluetooth or infrared module within the mobile terminal, the mobile terminal through the Bluetooth module or infrared module sends the buyer account information.
  3. 3、 根据权利要求1所述的方法,其特征在于,所述从交易终端获取交易信息和卖方帐户信息后,还包括:根据所述买方帐户信息、卖方帐户信息和交易信息在数据库中创建交易记录,并为所述交易记录设置交易属性; 为所述交易记录分配唯一的交易号。 3, The method according to claim 1, wherein the transaction information acquired account information from the seller transaction terminal, further comprising: based on the buyer's account information, account information, vendor and transaction information creating transactions in the database recording, and recording the transaction is provided to the transaction attribute; assign a unique transaction number for said transaction.
  4. 4、 根据权利要求3所述的方法,其特征在于,所述向第三方支付平台发送交易请求前,所述交易属性设置为未完成交易;所述接收所述第三方支付平台返回的交易结果信息后,还包括: 根据所述交易结果信息判断,如果转账交易金额成功,更新所述交易属性为完成交易,向所述交易终端发送交易成功消息;如果转账交易金额失败,向所述交易终端发送交易失败消息。 4. The method of claim 3, characterized in that, prior to the payment to a third party platform sends a transaction request, the transaction attribute is set to pending transactions; the third party receiving the payment transaction platform returns result after the information, further comprising: a determination result information according to the transaction, the transaction amount if the transfer is successful, the transaction attribute is updated to complete the transaction, sends the transaction success message to the transaction terminal; transaction amount if the transfer fails, the transaction terminal to send transaction failure message.
  5. 5、 一种基于第三方支付平台的交易数据处理方法,其特征在于,包括:接收交易处理平台发送的交易请求,所述交易请求中包含买方帐户信息、 卖方帐户信息和交易信息,所述交易处理平台用于接收买方通过移动终端以无线方式传输的所述买方帐户信息,以及获取交易终端输入的所述交易信息和卖方帐户信息,所述交易信息中至少包含交易金额;根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户; 向所述交易处理平台返回交易结果信息。 5. A method of processing transaction data based on the third-party payment platform, characterized in that, comprising: receiving a transaction request to the transaction processing platform sends the transaction request includes buyer account information, account information and transaction information of the seller, the transaction processing platform for receiving the buyer of the mobile terminal wirelessly transmitting the buyer's account information, and obtain the transaction information and vendor account information entered transaction terminal, the transaction information includes at least a transaction amount; according to the transaction information transfer from the buyer's account, the transaction amount to the account of the seller; return the transaction result information to the transaction processing platform.
  6. 6、 根据权利要求5所述的方法,其特征在于,所述接收交易处理平台发送的交易请求后还包括:根据预先建立的买方帐户和卖方帐户检测所述交易请求中的买方帐户信息和卖方帐户信息是否正确,如果正确,则执行所述根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户的步骤;如果不正确,则向所述交易处理平台发送交易失败消息。 6. The method according to claim 5, wherein said transaction request received after transmitting the transaction processing platform further comprising: the seller and buyer account information seller and buyer account account the transaction request is detected in the pre-established account information is correct, if correct, the execution of the transfer transaction amount to the account of the steps of the seller from the buyer's account based on the transaction information; If not, then the transaction fails to send a message to the transaction processing platform.
  7. 7、 根据权利要求5所述的方法,其特征在于,所述向所述交易处理平台返回交易结果信息后,还包括:当返回转账交易金额成功的交易结果信息后,保存包含所述交易金额的交易记录,向所述移动终端发送交易成功消息;当返回转账交易金额失败的交易结果信息后,向所述移动终端发送交易失败消息。 After 7 A method as claimed in claim 5, wherein the return result transaction information to the transaction processing platform, further comprising: when the amount of the transaction to return a successful transfer transaction result information including the transaction amount stored transaction records, the mobile terminal sends the transaction success message; when the return value transfer transaction failed transactions result information transmitted to the mobile terminal transaction failure message.
  8. 8、 一种基于第三方支付平台的交易数据处理系统,其特征在于,包括: 移动终端、交易终端、交易处理平台和第三方支付平台,所述移动终端,用于以无线方式向所述交易处理平台传输买方帐户信息;所述交易终端,用于向所述交易处理平台提供交易信息和卖方帐户信息, 所述交易信息中至少包含交易金额;所述交易处理平台,用于向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息;所述第三方支付平台,用于接收交易处理平台发送的交易请求后,根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户,并向所述交易处理平台返回交易结果信息。 8. A data processing system based on third-party payment transaction platform, characterized by comprising: a mobile terminal, the transaction terminal, and transaction processing platform for third-party payment platforms, the mobile terminal for wirelessly to the transaction buyer's account information transmission processing platform; the transaction terminal for providing transaction information and vendor account information to the transaction processing platform, the transaction information includes at least the amount of the transaction; the transaction processing platform for third-party payment transmitting internet transaction request, the transaction request includes the buyer's account information, account information, vendor and transaction information; after the third party payment platform, for receiving a transaction request sent by the transaction processing platform, according to the transaction information from the said buyer account transfer transaction amount to the account of the seller, and the transaction processing platform to return the transaction result information.
  9. 9、 一种交易处理系统,其特征在于,包括:信息接收单元,用于接收买方通过移动终端以无线方式传输的买方帐户信自•信息获取单元,用于从交易终端获取交易信息和卖方帐户信息,所述交易信息中至少包含交易金额;请求发送单元,用于向第三方支付平台发送交易请求,所述交易请求中包含所述买方帐户信息、卖方帐户信息和交易信息;结果接收单元,用于接收所述第三方支付平台返回的交易结果信息,所述交易结果信息为所述第三方支付平台根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户后生成的信息。 9. A transaction processing system comprising: information receiving means for receiving a buyer account buyer transmission channels in a wireless manner from the mobile terminal • information acquisition unit that acquires transaction information from the transaction terminal seller account information, transaction information includes at least the amount of the transaction; request sending unit, configured to send the third-party payment platform transaction request, the transaction request is included in the buyer's account information, seller account information and transaction information; the results receiving unit, for receiving the results of third-party payment transaction information platform for returning the transaction result information to the third-party payment platform transfers the transaction amount from the buyer's account based on the transaction information to information generated after the seller account .
  10. 10、 根据权利要求9所述的交易处理系统,其特征在于,还包括: 记录创建单元,用于根据所述买方帐户信息、卖方帐户信息和交易信息在数据库中创建交易记录,为所述交易记录设置交易属性,并为所述交易记录分配唯一的交易号。 10, the transaction processing system according to claim 9, characterized in that, further comprising: creating a recording unit for account information to the buyer, the seller account information and transaction information in the database to create transaction records for the transaction recording setting property transaction, and the transaction is assigned a unique record transaction number.
  11. 11、 根据权利要求10所迷的交易处理系统,其特征在于,所述请求发送单元向第三方支付平台发送交易请求前,所述记录创建单元将所述交易属性设置为未完成交易;所述系统还包括:判断执行单元,用于根据所述结果接收单元接收的交易结果信息判断,如果转账交易金额成功,更新所述交易属性为完成交易,向所述交易终端发送交易成功消息;如果转账交易金额失败,向所述交易终端发送交易失败消息。 11. The transaction processing system as claimed in claim fans 10, wherein said request sending unit to send the third-party platform before payment transaction request, said transaction record creation unit sets the property to the transaction is not completed; the the system further comprising: determining an execution unit for receiving the result of the transaction information receiving unit according to the determination result, if successful transfer transaction amount, the transaction attribute is updated to complete the transaction, sends the transaction success message to the transaction terminal; if transfer amount of the transaction fails, the transaction terminal to transmit a transaction failure message.
  12. 12、 一种第三方支付系统,其特征在于,包括:接收请求单元,用于接收交易处理平台发送的交易请求,所述交易请求中包含买方帐户信息、卖方帐户信息和交易信息,所述交易处理平台用于接收买方通过移动终端以无线方式传输的所述买方帐户信息,以及获取交易终端输入的所述交易信息和卖方帐户信息,所述交易信息中至少包含交易金额;交易执行单元,用于根据所述交易信息从所述买方帐户中转账交易金额至所述卖方帐户;结果返回单元,用于向所述交易处理平台返回交易结果信息。 12. A third-party payment system, characterized by comprising: request receiving means for receiving a transaction request to the transaction processing platform sends the transaction request includes buyer account information, account information and transaction information of the seller, the transaction processing platform for receiving a wirelessly transmitted to the buyer of the buyer account information through the mobile terminal, and acquiring the transaction information and the transaction terminal vendor account information entered, the transaction information includes at least the amount of the transaction; transaction execution unit, with the transaction information on the transaction amount from the transfer account to the seller buyer account; result returning unit configured to return the results of transaction information to the transaction processing platform.
  13. 13、 根据权利要求12所述的第三方支付系统,其特征在于,还包括: 检测执行单元,用于根据预先建立的买方帐户和卖方帐户检测所述交易请求中的买方帐户信息和卖方帐户信息是否正确,如果正确,则触发所述交易执行单元的功能;如果不正确,则向所述交易处理平台发送交易失败消息。 13, the third-party payment system according to claim 12, characterized in that, further comprising: execution detection means, information for the seller and buyer account according to the account of the transaction request is detected in the pre-established account information for the buyer and seller account it is correct, if correct, the transaction function executing unit is triggered; if not, the transaction failure message is sent to the transaction processing platform.
  14. 14、 根据权利要求12所述的第三方支付系统,其特征在于,还包括:结果执行单元,用于当结果返回单元返回转账交易金额成功的交易结果信息后,保存包含所述交易金额的交易记录,向所述移动终端发送交易成功消息; 当结果返回单元返回转账交易金额失败的交易结果信息后,向所述移动终端发送交易失败消息。 14, the third-party payment system according to claim 12, characterized in that, further comprising: a result of an execution unit, for, when the result return unit returns a successful result of the transfer transaction amount of the transaction information stored including the transaction amount of the transaction record, the mobile terminal sends the transaction success message; when the return unit returns the result of the failure of the transaction amount of the transaction transfer result information, transmitting to the mobile terminal transaction failure message.
CN 200910158492 2009-07-10 2009-07-10 Method and system for processing transaction data, transaction processing system and third-party payment system CN101604427A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN 200910158492 CN101604427A (en) 2009-07-10 2009-07-10 Method and system for processing transaction data, transaction processing system and third-party payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN 200910158492 CN101604427A (en) 2009-07-10 2009-07-10 Method and system for processing transaction data, transaction processing system and third-party payment system

Publications (1)

Publication Number Publication Date
CN101604427A true true CN101604427A (en) 2009-12-16

Family

ID=41470145

Family Applications (1)

Application Number Title Priority Date Filing Date
CN 200910158492 CN101604427A (en) 2009-07-10 2009-07-10 Method and system for processing transaction data, transaction processing system and third-party payment system

Country Status (1)

Country Link
CN (1) CN101604427A (en)

Cited By (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102930428A (en) * 2012-09-25 2013-02-13 武汉云之翼科技有限公司 Method for realizing multipoint payment by using single-point interface
CN103065243A (en) * 2011-10-19 2013-04-24 王晓辰 Mobile wallet provided with dual functions of receipt and payment
CN103186872A (en) * 2011-12-30 2013-07-03 上海博泰悦臻电子设备制造有限公司 Transaction system and transaction method based on vehicle-mounted device
CN103186851A (en) * 2011-12-30 2013-07-03 上海博泰悦臻电子设备制造有限公司 Electronic payment system based on cloud data processing technology
CN103186870A (en) * 2011-12-30 2013-07-03 上海博泰悦臻电子设备制造有限公司 Data processing method and data processing system based on vehicle-mounted transaction system
CN103325032A (en) * 2012-03-21 2013-09-25 阿里巴巴集团控股有限公司 Data processing method and device
WO2014094577A1 (en) * 2012-12-17 2014-06-26 Jiang Hongming Mobile payment system and connection device thereof
CN104123635A (en) * 2013-04-28 2014-10-29 腾讯科技(深圳)有限公司 Processing object processing method, system and equipment
CN104123636A (en) * 2013-04-28 2014-10-29 腾讯科技(深圳)有限公司 Processing object processing method, system and equipment
CN104166913A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Photon payment method and system
CN104166911A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Photonic payment method and system
CN104166916A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Payment method and payment system
CN104166912A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Photonic payment method and photonic payment system
CN104166908A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Payment method and payment system
CN104182868A (en) * 2014-04-30 2014-12-03 深圳光启创新技术有限公司 Payment method and payment system
WO2015103890A1 (en) * 2014-01-10 2015-07-16 Tencent Technology (Shenzhen) Company Limited Method and system for providing transaction information for multiple payment platforms
WO2015165426A1 (en) * 2014-04-30 2015-11-05 深圳光启智能光子技术有限公司 Payment method and payment system
WO2016026381A1 (en) * 2014-08-18 2016-02-25 阿里巴巴集团控股有限公司 Method and device for numerical value information transfer
CN102760259B (en) * 2011-04-27 2016-05-11 阿里巴巴集团控股有限公司 A method for payment-line method and apparatus

Cited By (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102760259B (en) * 2011-04-27 2016-05-11 阿里巴巴集团控股有限公司 A method for payment-line method and apparatus
CN103065243A (en) * 2011-10-19 2013-04-24 王晓辰 Mobile wallet provided with dual functions of receipt and payment
CN103186851B (en) * 2011-12-30 2018-05-25 上海博泰悦臻电子设备制造有限公司 Electronic payment system based on cloud data processing technology
CN103186851A (en) * 2011-12-30 2013-07-03 上海博泰悦臻电子设备制造有限公司 Electronic payment system based on cloud data processing technology
CN103186870A (en) * 2011-12-30 2013-07-03 上海博泰悦臻电子设备制造有限公司 Data processing method and data processing system based on vehicle-mounted transaction system
CN103186870B (en) * 2011-12-30 2018-04-13 上海博泰悦臻电子设备制造有限公司 On-board data processing method of trading systems and data processing system based on
CN103186872A (en) * 2011-12-30 2013-07-03 上海博泰悦臻电子设备制造有限公司 Transaction system and transaction method based on vehicle-mounted device
CN103325032A (en) * 2012-03-21 2013-09-25 阿里巴巴集团控股有限公司 Data processing method and device
CN102930428B (en) * 2012-09-25 2016-08-24 武汉云之翼科技有限公司 A method of using a single point of interface to achieve multi-point payments
CN102930428A (en) * 2012-09-25 2013-02-13 武汉云之翼科技有限公司 Method for realizing multipoint payment by using single-point interface
WO2014094577A1 (en) * 2012-12-17 2014-06-26 Jiang Hongming Mobile payment system and connection device thereof
CN104123635A (en) * 2013-04-28 2014-10-29 腾讯科技(深圳)有限公司 Processing object processing method, system and equipment
CN104123636A (en) * 2013-04-28 2014-10-29 腾讯科技(深圳)有限公司 Processing object processing method, system and equipment
CN104123635B (en) * 2013-04-28 2016-04-20 腾讯科技(深圳)有限公司 A method for processing transactions, the system and device
CN104123636B (en) * 2013-04-28 2016-04-20 腾讯科技(深圳)有限公司 A method for processing transactions, the system and device
WO2015103890A1 (en) * 2014-01-10 2015-07-16 Tencent Technology (Shenzhen) Company Limited Method and system for providing transaction information for multiple payment platforms
CN104166913B (en) * 2014-04-30 2016-04-27 深圳光启智能光子技术有限公司 Photon payment method and system
WO2015165426A1 (en) * 2014-04-30 2015-11-05 深圳光启智能光子技术有限公司 Payment method and payment system
CN104166913A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Photon payment method and system
CN104182868A (en) * 2014-04-30 2014-12-03 深圳光启创新技术有限公司 Payment method and payment system
CN104166908A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Payment method and payment system
CN104166916B (en) * 2014-04-30 2016-04-27 深圳光启智能光子技术有限公司 Payment method and payment system
CN104166912B (en) * 2014-04-30 2016-04-27 深圳光启智能光子技术有限公司 Photon payment method and payment system
CN104182868B (en) * 2014-04-30 2016-04-27 深圳光启智能光子技术有限公司 Payment method and payment system
CN104166908B (en) * 2014-04-30 2016-04-27 深圳光启智能光子技术有限公司 Payment method and payment system
CN104166911B (en) * 2014-04-30 2016-04-27 深圳光启智能光子技术有限公司 Photon payment method and system
CN104166912A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Photonic payment method and photonic payment system
CN104166916A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Payment method and payment system
CN104166911A (en) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 Photonic payment method and system
WO2016026381A1 (en) * 2014-08-18 2016-02-25 阿里巴巴集团控股有限公司 Method and device for numerical value information transfer

Similar Documents

Publication Publication Date Title
US8639629B1 (en) System and method for accessing an online user account registry via a thin-client unique user code
US8352323B2 (en) Conducting an online payment transaction using an NFC enabled mobile communication device
US5930767A (en) Transaction methods systems and devices
US8121956B2 (en) Cardless challenge systems and methods
US8768838B1 (en) Financial transactions using a rule-module nexus and a user account registry
US20040015451A1 (en) Method for conducting financial transactions utilizing infrared data communications
US20070203836A1 (en) Text message payment
US7376431B2 (en) Location based fraud reduction system and method
US8554670B1 (en) Systems and methods for crediting missed location-based electronic check-ins in a social network
US20090319638A1 (en) Gateway service platform
US20120284130A1 (en) Barcode checkout at point of sale
US20090271262A1 (en) Authorization system with split messaging
US20120203700A1 (en) Tokenized contactless payments for mobile devices
US20140138435A1 (en) Payment or other transaction through mobile device using nfc to access a contactless transaction card
US20100280914A1 (en) Security system and method including alert messages
US8620790B2 (en) Systems and methods for dynamic transaction-payment routing
US20110264543A1 (en) Reverse payment flow
US20090024471A1 (en) System, method and computer program product for processing payments
US20110218880A1 (en) Systems and methods using mobile device in payment transaction
US20090182674A1 (en) Facilitating financial transactions with a network device
US7970669B1 (en) Method and system for store-to-consumer transaction management
US6487540B1 (en) Methods and systems for electronic receipt transmission and management
US20150120472A1 (en) Digital wallet system and method
US20110191237A1 (en) Information Access Device and Data Transfer
US20140108260A1 (en) System and method for token-based payments

Legal Events

Date Code Title Description
C06 Publication
C10 Entry into substantive examination
REG Reference to a national code

Ref country code: HK

Ref legal event code: DE

Ref document number: 1137558

Country of ref document: HK

C12 Rejection of a patent application after its publication
REG Reference to a national code

Ref country code: HK

Ref legal event code: WD

Ref document number: 1137558

Country of ref document: HK