CN102013064A - Online payment method based on electronic commerce platform - Google Patents
Online payment method based on electronic commerce platform Download PDFInfo
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- CN102013064A CN102013064A CN2009101698306A CN200910169830A CN102013064A CN 102013064 A CN102013064 A CN 102013064A CN 2009101698306 A CN2009101698306 A CN 2009101698306A CN 200910169830 A CN200910169830 A CN 200910169830A CN 102013064 A CN102013064 A CN 102013064A
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Abstract
The invention relates to an online payment method based on an electronic commerce platform, which comprises the following steps of: signing an electronic contract of a related service; generating a payment bill; initiating a payment instruction and linking to the e-bank of a bank by the electronic commerce platform; receiving the payment instruction and verifying user information by the e-bank; after the success of verification, performing prepaying operation in an e-banking system by the user, paying money to a bank intermediate account, and feeding back a prepayment result to the electronic commerce platform; and informing the bank of making final payment, checking bills with the bank one by one, informing a recipient and a payer of fund transfer information according to bill check results and fund transfer information of the bank, by the electronic commerce platform. The method has the advantages that a bank account is used as the intermediate payment account, and transaction fund of contracting parties are supervised by the bank, thereby effectively stopping money from being embezzled and transferred by a third commercial part (enterprise) and ensuring the safety and stability of fund functioning.
Description
Technical field
The present invention relates generally to e-commerce field, relates in particular to a kind of online payment method based on e-commerce platform.
Background technology
Along with popularizing the internet, with its opening, global, low cost and high-efficiency characteristics, in develop rapidly.It will bring infinite commercial opportunities to enterprise, become the roll booster of 21 century successful enterprise.The e-commerce platform of a success (B to B) must be resolved the relation between this three of information flow, cash flow and logistics, present most of e-business network stands in to be done finely on the information flow, but the poorness of means of payment and loaded down with trivial detailsly perplexing numerous enterprises, the payment aspect of numerous e-commerce platforms is faced with several big problems all the time: the problem that at first is security.The clearing of the network payment of B2B are a large sum of money network payment clearing of business to business, operate comparatively complicatedly, so transaction risk is bigger.B2B E-commerce to the security level required of transaction funds than high many of B2C, C2C.Especially enterprise is when considering to select third party's payment platform, and the identity of its non-financial institution makes its confidence level in enterprise not enough, secondly is the speed of transaction turnover.A lot of third party's payment services mechanisms have carried out means of payment such as on-line payment, stored value card, as the Alipay of Alibaba.These payment modes substantially all are account or the stored value cards that the fund of paying party changes third party's payment services mechanism earlier over to, seller's delivery then.Only the seller's goods received by the buyer and examine goods the approval after, the clearance of fund just can formally carry out, payment for goods is given to beneficiary by third party's payment services mechanism.But this billing cycle is too very long, and client's payment for goods many times even can be brought investment by third party's payment services mechanism.Concerning scale is not very big enterprise, their strength a little less than, very high demand is arranged to the circulating fund, can't accept the delay of payment and extensive fund so slowly.The third-largest problem is the problem of harmony.Logistics, cash flow and information flow are the three elements of ecommerce.When enterprise carries out the B2B E-commerce business, can produce a large amount of orders.How to pass through to pay by mails the unification that realizes cash flow and information flow, the reconciliation of enterprise is delivered thereby facility is collected money, and also is the very demand of reality of enterprise.
For solving a kind of online payment method of this predicament exploitation based on e-commerce platform, for cash flow in the e-commerce initiative convenient, fast, safe mobile provides a kind of brand-new pattern, allow information flow and cash flow in the ecommerce effectively combine.
Summary of the invention
The object of the present invention is to provide a kind of online payment method, problem such as, transaction turnaround speed not high with the means of payment security that solves B2B slowly and logistics, cash flow and information flow harmony is not strong based on e-commerce platform.
A kind of online payment method based on e-commerce platform of the present invention may further comprise the steps:
1) paying party, beneficiary are signed the electronic contract of related service on e-commerce platform;
2) generate the payment bill;
3) e-commerce platform is initiated payment instruction, and bank net is given in link;
4) bank net receives payment instruction, checking user profile;
5) be proved to be successful the back user and in the Net silver system, prepay operation, the number of the account in the middle of the bank of paying the bill, simultaneously, e-commerce platform is sent to bank with unique paying bill numbering, beneficiary name on account, beneficiary number of the account, beneficiary bank of deposit, summary info electronic payment going along with;
6) bank will prepay the result and feed back to e-commerce platform;
7) e-commerce platform notifying bank pays remaining fund, and pursues a reconciliation with bank, and e-commerce platform is notified beneficiary, paying party funds transfer information according to reconciliation result and bank's information of remitting money.
Beneficial effect of the present invention: as number of the account in the middle of the payment, both parties' transaction funds is by banking supervision with Bank Account Number, and the fund of effectively stopping third party trade company (enterprise) is diverted, shifted, and guarantees the security and the stability of fund operation.Utilize the public credibility of bank's intermediate account lifting platform, judicial administration is strengthened in the intervention of government organs simultaneously.Support multiple commercial payment mode, have very strong compatibility, except supporting typical electronic commercial affairs (B to B) payment mode, also support multiple charging modes such as E-Government payment and water rate, the electricity charge, communication expense.The binding of cash flow and information flow uses this electronic fare payment system can inquire about the situation of examining of fund at any time, can also clearly know the pairing sequence information of each payment.Multiple advice methods such as client, note and E-mail are provided, and the client can customize the content of needs notice and the mode of notice as required.
Description of drawings
Fig. 1 is the described process flow diagram of online payment method under the payment affirmation mode based on e-commerce platform of the specific embodiment of the invention;
Fig. 2 is the described process flow diagram of online payment method under the contract engagement pattern based on e-commerce platform of the specific embodiment of the invention.
Embodiment
Below in conjunction with accompanying drawing the specific embodiment of the present invention is described.
As shown in Figure 1, the described online payment method based on e-commerce platform of the specific embodiment of the invention may further comprise the steps under the payment affirmation mode:
1) paying party, beneficiary are signed the electronic contract of related service on e-commerce platform, and paying party generates the payment bill according to the contract of signing;
2) e-commerce platform is initiated payment instruction, and bank net is given in link;
3) bank net receives payment instruction, information such as checking user's signature information (client USBKEY etc.), payment information, platform signing messages;
4) be proved to be successful the back user and in the Net silver system, prepay operation, the number of the account in the middle of the bank of paying the bill, simultaneously, e-commerce platform is sent to bank with information electronic payments going along with such as unique paying bill numbering, beneficiary name on account, beneficiary number of the account, beneficiary bank of deposit, summaries;
5) bank will prepay the result and feed back to e-commerce platform, and after platform was received the account information that bank returns, the notice beneficiary was honoured an agreement as agreed;
6) after beneficiary is honoured an agreement as agreed, the notice e-commerce platform;
7) e-commerce platform connect beneficiary honour an agreement finish notice after, advice and pay side is to the average evaluation of honouring an agreement;
8) if paying party is satisfied to the situation of honouring an agreement, the payment of notice e-commerce platform is confirmed; If paying party not proactive notification e-commerce platform payment confirms that e-commerce platform notifying bank in the stipulated time of honouring an agreement after finishing directly draws fund to the beneficiary account;
9) e-commerce platform notifying bank payment (bank only accepts the payment instruction of platform);
When 10) bank receives payment instruction, according to the 4th) beneficiary in the information that provides of e-commerce platform in the step under the corresponding contract number item of retrieval pays;
11) bank and e-commerce platform pursue a reconciliation, and e-commerce platform is notified beneficiary, paying party funds transfer information according to reconciliation result and bank's information of remitting money.
As shown in Figure 2, the described online payment method based on e-commerce platform of the specific embodiment of the invention may further comprise the steps under the contract engagement pattern:
1) paying party, beneficiary are signed electronic contract on e-commerce platform;
2) based on contract beneficiary arranges performance of the contract;
3) paying party is according to beneficiary contract performance situation, and a plurality of contracts that selection need pay at maturity generate a payment bill;
4) e-commerce platform is initiated payment instruction, and bank net is given in link;
5) bank net receives payment instruction, information such as checking user's signature information (client USBKEY etc.), payment information, platform signing messages;
6) be proved to be successful the back user and in the Net silver system, prepay operation, number of the account in the middle of the bank that pays the bill;
7) bank will prepay the result and feed back to e-commerce platform;
8) initiate the instruction of payment affirmation after e-commerce platform is received immediately to Net silver;
9) the Net silver system judges whether the e-commerce platform signing messages is correct, and whether the relevant factors such as the amount of money, beneficiary, paying party of judging payment by the payment odd numbers during with prepayment the instruction coupling;
10) bank is proved to be successful, and automatically payment is squeezed into the beneficiary account from middle account;
11) bank and e-commerce platform pursue a reconciliation, and e-commerce platform is notified beneficiary, paying party funds transfer information according to reconciliation result and bank's information of remitting money.
When the user operates at e-commerce platform, all adopt e-business certification, do not have related with bank.The Net silver system of e-commerce platform or user and bank takes place mutual the time: data encryption, the unified certificate that adopts bank to provide of platform signature authentication are endorsed, are tested label, encryption, decipher.The user is linked to Net silver by platform: http protocol, platform signature (the soft certificate of Net silver) order data of endorsing, public network, paying party signature (authentication of client's Net silver) in the time of the B2B e-Bank payment.Platform instructs to Net silver, operation intermediate account: platform signature (the soft certificate of Net silver).
Send employing prepayment message, payment confirmation message, reimbursement message, partial payment message in bank's process, reconciliation query message at e-commerce platform.Comprise beneficiary information in the message that the e-commerce platform end sends, the amount of money, the platform signing messages, the paying bill numbering also selectively is with contract information.
In bank's feedback e-commerce platform process, adopt prepayment response message, payment to confirm response message, reimbursement response message, partial payment response message, the unusual reimbursement message of inter-bank, reconciliation response message.All feedback messages of bank can accomplish that proactive notification arrives e-commerce platform, guarantee the information unitarity of real-time, e-commerce platform and bank, avoid the passive poll bank interface of going of e-commerce platform as far as possible.The unusual reimbursement message of inter-bank is realized by the reconciliation message.
E-commerce platform can provide unique paying bill numbering, all need bring this paying bill numbering in the information of any one step of bank's end feedback into.The e-commerce platform uniqueness of single numbering in complete payment process of guaranteeing payment, verification unique number during bank's end days of grace is avoided repeat business simultaneously.Prepayment and payment confirm to guarantee to be same paying bill numbering.No matter affirmation payment, reimbursement, partial payment must guarantee disposable, do not allow to occur prepayment 100, confirm payment at twice, and one time 50, one times 50 such situation occurs.
When beneficiary is return the payment for goods of agreement, e-commerce platform directly sends reimbursement and instructs Net silver system (reimbursement information+platform signing messages), the Net silver system judges whether the platform signing messages correct, the relevant factors such as the amount of money, beneficiary, paying party of judging reimbursement by the payment odd numbers during whether with prepayment instruction mate.After judging all successes, the Net silver system squeezes into the paying party account with refund amount from middle account automatically.No matter success or not needs feedback information to e-commerce platform.
Whether the fixed operating process with need, the business that the client handles in the enterprise bank client need to examine and the formulation of approval process, are independently determined by the client.The client can also determine order examine by after whether need the affirmation flow process of trade company." payment is confirmed " and " contract engagement " two kinds of payment modes are provided, satisfy the diversified payment demand of enterprise.
Claims (6)
1. the online payment method based on e-commerce platform is characterized in that, may further comprise the steps:
1) paying party, beneficiary are signed the electronic contract of related service on e-commerce platform;
2) generate the payment bill;
3) e-commerce platform is initiated payment instruction, and bank net is given in link;
4) bank net receives payment instruction, checking user profile;
5) be proved to be successful the back user and in the Net silver system, prepay operation, the number of the account in the middle of the bank of paying the bill, simultaneously, e-commerce platform is sent to bank with unique paying bill numbering, beneficiary name on account, beneficiary number of the account, beneficiary bank of deposit, summary info electronic payment going along with;
6) bank will prepay the result and feed back to e-commerce platform;
7) e-commerce platform notifying bank pays remaining fund, and pursues a reconciliation with bank, and e-commerce platform is notified beneficiary, paying party funds transfer information according to reconciliation result and bank's information of remitting money.
2. the online payment method based on e-commerce platform as claimed in claim 1, it is characterized in that: the Net silver system of e-commerce platform or user and bank takes place mutual the time, and data encryption, the unified certificate that adopts bank to provide of platform signature authentication are endorsed, tested label, encryption, decipher.
3. the online payment method based on e-commerce platform as claimed in claim 1 or 2 is characterized in that: a prepayment and a pair remaining fund are confirmed to be same paying bill numbering.
4. the online payment method based on e-commerce platform as claimed in claim 1 or 2 is characterized in that: send at e-commerce platform and adopt prepayment message, payment confirmation message, reimbursement message, partial payment message and reconciliation query message in bank's process.
5. the online payment method based on e-commerce platform as claimed in claim 1 or 2, it is characterized in that: in bank's feedback e-commerce platform process, adopt prepayment response message, payment to confirm response message, reimbursement response message, partial payment response message, unusual reimbursement message of inter-bank and reconciliation response message.
6. the online payment method based on e-commerce platform as claimed in claim 5 is characterized in that: the unusual reimbursement message of inter-bank is realized by the reconciliation message.
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CN102387093A (en) * | 2011-10-06 | 2012-03-21 | 吴东辉 | Method and system for sharing of friends and groups in instant messaging |
CN102801710A (en) * | 2012-07-04 | 2012-11-28 | 北京天龙融和软件有限公司 | Networked transaction method and system |
CN103093352A (en) * | 2013-01-30 | 2013-05-08 | 江苏金农股份有限公司 | Electronic contract signing system implementation method based on payment platform |
CN103366270A (en) * | 2013-06-24 | 2013-10-23 | 北京奇虎科技有限公司 | Multi-platform data interaction method and system |
CN105373923A (en) * | 2015-11-13 | 2016-03-02 | 广东网金控股股份有限公司 | Unified payment method for investment and financing platform |
CN105787733A (en) * | 2014-12-24 | 2016-07-20 | 阿里巴巴集团控股有限公司 | Method and apparatus for processing service information |
CN106157003A (en) * | 2015-04-03 | 2016-11-23 | 阿里巴巴集团控股有限公司 | Data interactive method and device |
CN106296383A (en) * | 2016-08-10 | 2017-01-04 | 国网山东省电力公司威海供电公司 | Battalion based on bank-corporate express wealth integration electricity charge reconciliation system |
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CN109816342A (en) * | 2019-01-04 | 2019-05-28 | 平安科技(深圳)有限公司 | Management method, device, terminal and the computer readable storage medium of contract |
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Application publication date: 20110413 |