CN102346890A - Network payment method and system thereof - Google Patents
Network payment method and system thereof Download PDFInfo
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- CN102346890A CN102346890A CN2010102466934A CN201010246693A CN102346890A CN 102346890 A CN102346890 A CN 102346890A CN 2010102466934 A CN2010102466934 A CN 2010102466934A CN 201010246693 A CN201010246693 A CN 201010246693A CN 102346890 A CN102346890 A CN 102346890A
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Abstract
The invention discloses a network payment method and a system thereof. The method comprises the following steps: a user selects goods through a shopping client, and the shopping client sends information to a center server; the center server generates an only identification code according to information sent by the corresponding shopping client, and sends the identification code to the corresponding shopping client; according to the only identification code, the user comes to a payment terminal to pay cost, and the payment terminal sends the only identification code to the center server for verification; after success of verification, an attribute representing whether pays or not in information corresponding to the only identification code is modified, and notification information is sent to the center server simultaneously. According to the method and the system in the invention, a payer can pay cost at a nearby convenience store, and great convenience is brought to the payer without Internet banking.
Description
Technical field
The invention belongs to technical field of the computer network, relate to a kind of method of payment, relate in particular to a kind of method of network payment; Simultaneously, the invention still further relates to a kind of network payment system.
Background technology
Along with the further popularization and application of internet in China, shopping online become gradually people surf the net for one of.It is reported that CNNIC adopts the telephone poll mode, June in 2008 19 economically developed cities is investigated, 4 municipalities directly under the Central Government are Beijing, Shanghai, Chongqing and Tianjin, and 15 secondary provincial cities are Guangzhou, Shenzhen, Shenyang, Harbin, Changchun etc.Access object is the netizen who went up net and bought thing on the net in half a year.Report shows that in investigated 19 cities, shopping at network in the first half of the year amount of money has reached 16,200,000,000 yuan.See that from sex ratio male sex's net purchase total charge is 8,400,000,000 yuan, women's net purchase amount of money reaches 7,800,000,000 yuan a little less than the male sex.Wherein, student's net purchase half a year total charge has reached 3,100,000,000, nearly 1/4 of right and wrong student's net purchase half a year total charge.Have report to claim that Chinese net purchase market scale in 2010 will reach 4,640 hundred million yuan, the online spending volume will account for more than 3% of total volume of retail sales when the time comes.
Existing network payment means also become increasingly abundant, can be through bank transfer, perhaps through network payment modes such as the Internet bank, Alipays.Yet some people does not have the Internet bank, even does not have bank card, and like students in middle and primary schools, this can bring very big inconvenience to network trading; Much human owing to there is not the Internet bank to the stepping back of shopping at network prestige.Wherein, some people compelled Internet bank that handles that has to.Bank transfer is also comparatively common as other a kind of modes of payments, but because remittance must just can be handled to bank counter, and the office hours of bank is shopper's the work and study time normally, this mode is also carried out shopping at network to the shopper and brought a lot of troubles.
Summary of the invention
Technical matters to be solved by this invention is: a kind of method of network payment is provided, easily the expense of payment network shopping.
In addition, the invention still further relates to a kind of network payment system, easily the expense of payment network shopping.
For solving the problems of the technologies described above, the present invention adopts following technical scheme:
A kind of method of network payment, said method comprises the steps:
A, user select commodity through choosing client, choose client user profile, commodity information are sent to central server or choose server;
B, said central server or choose server and generate a unique identification code according to the information that receives are sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal; Generate unique identification code if choose server, then choose server the relevant information of the identification code that generates is sent to said central server;
C, user are according to said unique identification sign indicating number to payment terminal defrayment, and said payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, said payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
D, said central server payment information are informed the corresponding server of choosing;
E, the said server of choosing are revised whether prepaid attribute of order representative after receiving the information of central server.
As a kind of preferred version of the present invention, the said client of choosing is computing machine or hand-held mobile terminal.
As a kind of preferred version of the present invention; Said payment terminal is the payment terminal of convenience store or supermarket or retail shop; Said payment terminal receives user's unique identification code, then visits said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, send the information of informing to said central server simultaneously.
As a kind of preferred version of the present invention, said payment terminal comprises print module, and payment terminal receives user's unique identification sign indicating number, generates corresponding printing list, and prints through print module; The user pays corresponding expense through the pay point of this printing list to convenience store or supermarket or retail shop.
As a kind of preferred version of the present invention; The user is at the mode defrayment of pay point through cash; Perhaps pass through the mode defrayment of accumulated point exchanging; Perhaps through the mobile phone wallet defrayment, perhaps through virtual member card/member card defrayment in kind, perhaps through contactless identification card defrayment.
As a kind of preferred version of the present invention, said payment terminal is to have the terminal of touch-screen or be non-touch terminal; This payment terminal comprises bank card recognizer or coin identifier; Said payment terminal receives user's unique identification code, visits said central server, and said unique identification sign indicating number is sent to the central server verification; And receive user's expense through bank card recognizer or coin identifier, pay successfully after, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, extremely said central server of information is informed in transmission simultaneously.
As a kind of preferred version of the present invention, said payment terminal is to have the terminal of touch-screen or be non-touch terminal; The user is through the mode defrayment of said payment terminal with accumulated point exchanging or mobile phone wallet or identification contactless identification card.
As a kind of preferred version of the present invention, the said client of choosing is to have the terminal of touch-screen or be non-touch terminal, and this is chosen client and is connected with payment terminal; The said client of choosing is sent to payment terminal with the unique identification code that obtains, and payment terminal receives said identification code, and the information corresponding according to identification code generates paying bill automatically, and the user is defrayment on payment terminal directly.
Further, the said client of choosing is to have the terminal of touch-screen or be non-touch terminal, and this is chosen client and is connected with the POS machine of retail terminal; The said client of choosing is sent to the POS machine with the unique identification code that obtains, and the POS machine receives said identification code, and the information corresponding according to identification code generates paying bill automatically, and the user is defrayment on the POS machine directly.
As a kind of preferred version of the present invention, said identification code is one dimension sign indicating number or two-dimension code, and said payment terminal is connected with the recognizer in order to identification one dimension sign indicating number or two-dimension code.
As a kind of preferred version of the present invention, in the steps A, the user inserts the remote payment website through Web website or WAP site or IVR or short message mode, through the user name password authentification or need not the user name password authentification, chooses required commodity or service;
Enter into central server corresponding webpage or website through http or https on-link mode (OLM), central server generates the identification code of a uniqueness automatically on the corresponding website of central server according to remote payment website transmission parameters; Said remote payment website transmission parameters comprises the order number that the corresponding ID of website, website generate, and the order number that website generates is unique on the server of remote payment website;
The user carries this identification code and on payment terminal, imports corresponding identification code; Payment terminal is called central server through the webservice mode, and central server calls the remote payment server in station, this identification code of remote payment server in station checking through http or https or socket or webservice mode; Return the amount of money that to pay after correct and give central server; Central server is informed payment terminal again, and after the correct payment of client, payment terminal is notified the remote payment server in station more in an identical manner; The remote payment server in station carries out corresponding processing, to the client corresponding commodity or service is provided.
As a kind of preferred version of the present invention, said payment terminal is connected with paying server, and payment terminal connects said central server through said paying server.
As a kind of preferred version of the present invention, said payment terminal comprises the member card recognizer, and the member user is through member card direct payment expense; Said member card is card in kind or virtual card.
A kind of method of network payment, said method comprises the steps:
A1, user are through choosing client with Web website or WAP site or IVR or the not specific remote payment website of short message mode entering; The said client of choosing comprises first login module; The identity information of first login module checking user input is able to be connected with a central server after verifying successfully; The said client of choosing comprises second login module, and the identity information of second login module checking user input is able to after verify successfully choose the server connection with corresponding; The user selects commodity through the said client of choosing, and chooses client and generates order, with user profile, commodity information package, is sent to said central server simultaneously;
B1, said central server choose the information that client sends according to correspondence and generate a unique identification code, are sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal; Said identification code is character string or one dimension sign indicating number or two-dimension code; Said central server is sent to and also comprises time of payment information in the information of choosing client;
C1, user are according to said unique identification sign indicating number to payment terminal defrayment, and said payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; The verification content comprises: whether checking unique identification sign indicating number is wrong, verifies whether the corresponding time of payment of this unique identification sign indicating number is expired, verifies whether the corresponding order of this unique identification sign indicating number is paid; After the verification succeeds, said payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
D1, said central server payment information are informed the corresponding server of choosing;
E1, the said server of choosing are revised whether prepaid attribute of order representative after receiving the information of central server.
A kind of method of network payment, said method comprises the steps:
A2, user select commodity through choosing client, choose client user profile, commodity information are sent to a server;
B2, said server generate a unique identification code according to the information that receives, and are sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal;
C2, user are according to said unique identification sign indicating number to payment terminal defrayment, and said payment terminal connects said server, and said unique identification sign indicating number is sent to the server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative.
A kind of network payment system, said system comprises:
Choose client, comprise the communication unit of connected network, the user gets into not specific remote payment website through choosing client;
Central server; Connect the said client of choosing, choose user profile, the commodity information that client is sent, and generate a unique identification code according to the information that receives in order to reception; Be sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal;
Payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
Choose server, connect said central server, said central server is after receiving payment information, and notice remote payment website is corresponding chooses server; The said server of choosing is revised whether prepaid attribute of order representative after receiving the information of central server.
As a kind of preferred version of the present invention, the said client of choosing is computing machine or hand-held mobile terminal.
As a kind of preferred version of the present invention; Said payment terminal is the payment terminal of convenience store or supermarket or retail shop or public place; Said payment terminal receives user's unique identification code, then visits said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, send the information of informing to said central server simultaneously.
As a kind of preferred version of the present invention, said payment terminal comprises print module, and payment terminal receives user's unique identification sign indicating number, generates corresponding printing list, and prints through print module; The user pays corresponding expense through this printing list to pay point.
As a kind of preferred version of the present invention; The user is at the mode defrayment of pay point through cash; Perhaps pass through the mode defrayment of accumulated point exchanging; Perhaps through the mobile phone wallet defrayment, perhaps through virtual member card/member card defrayment in kind, perhaps through contactless identification card defrayment.
As a kind of preferred version of the present invention, said payment terminal is to have the terminal of touch-screen or be non-touch terminal; This payment terminal comprises bank card recognizer or coin identifier; Said payment terminal receives user's unique identification code, visits said central server, and said unique identification sign indicating number is sent to the central server verification; And receive user's expense through bank card recognizer or coin identifier, pay successfully after, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, extremely said central server of information is informed in transmission simultaneously.
As a kind of preferred version of the present invention, said payment terminal is to have the terminal of touch-screen or be non-touch terminal; The user is through the mode defrayment of said payment terminal with accumulated point exchanging or mobile phone wallet or identification contactless identification card.
As a kind of preferred version of the present invention, said payment terminal is connected with paying server, and payment terminal is through paying server and central server interactive information.
As a kind of preferred version of the present invention, said identification code is one dimension sign indicating number or two-dimension code, and said payment terminal is connected with the recognizer in order to identification one dimension sign indicating number or two-dimension code.
As a kind of preferred version of the present invention, the user inserts the remote payment website through Web website or WAP site or IVR or short message mode, through the user name password authentification or need not the user name password authentification, chooses required commodity or service;
Enter into central server corresponding webpage or website through http or https on-link mode (OLM), central server generates the identification code of a uniqueness automatically on the corresponding website of central server according to remote payment website transmission parameters; Said remote payment website transmission parameters comprises the order number that the corresponding ID of website, website generate, and the order number that website generates is unique on the server of remote payment website;
The user carries this identification code and on payment terminal, imports corresponding identification code; Payment terminal is called central server through the webservice mode, and central server calls the remote payment server in station, this identification code of remote payment server in station checking through http or https or socket or webservice mode; Return the amount of money that to pay after correct and give central server; Central server is informed payment terminal again, and after the correct payment of client, payment terminal is notified the remote payment server in station more in an identical manner; The remote payment server in station carries out corresponding processing, to the client corresponding commodity or service is provided.
As a kind of preferred version of the present invention, said payment terminal comprises the member card recognizer, and the member user is through member card direct payment expense; Said member card is card in kind or virtual card.
A kind of network payment system, said system comprises:
Choose client, comprise the communication unit of connected network, the user gets into not specific remote payment website through choosing client;
Server; Connect the said client of choosing, choose user profile, the commodity information that client is sent, and generate a unique identification code according to the information that receives in order to reception; Be sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal;
Payment terminal, the Connection Service device, and said unique identification sign indicating number is sent to the server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative.
Beneficial effect of the present invention is: method of network payment and system that the present invention proposes, the shopper can be at convenience store's payment purchase expenses of periphery, for the shopper who does not have the Internet bank brings great convenience.
Description of drawings
Fig. 1 is the process flow diagram of method of payment of the present invention.
Fig. 2 is the composition synoptic diagram of payment system of the present invention.
Embodiment
Specify the preferred embodiments of the present invention below in conjunction with accompanying drawing.
Embodiment one
See also Fig. 1, Fig. 2, the present invention has disclosed a kind of method of network payment, and said method comprises the steps:
[steps A] user is choosing the not specific shopping website (certainly being other paying websites) of client 20 entering; The said client 20 of choosing comprises first login module; The identity information of first login module checking user input is able to be connected with a central server 10 after verifying successfully.The said client 20 of choosing can be computing machine or hand-held mobile terminal (like mobile phone).
[step B] said client 20 of choosing comprises second login module, and the identity information of second login module checking user input is able to after verify successfully choose server 30 connections with corresponding.
Here the priority that is noted that steps A, step B can be any.The user gets into certain shopping website, and this shopping website is supported the modes of payments of the present invention, and this moment, the user need be through twice login, connect respectively the website of central server 10 and user login corresponding choose server 30.
[step C] user selects commodity (can certainly be service) through the said client 20 of choosing, and chooses client 20 or choose server 30 to generate order, with user profile, merchandise news packing, is sent to said central server 10 simultaneously.At this moment, choosing client 20 needs central server 10 to generate a unique identification code.
Choose client 20 and can sequence information be sent to central server 10 through choosing server 30.
[step D] said central server 10 is chosen the information that client 20 sends according to correspondence and is generated a unique identification code, is sent to the corresponding client 20 of choosing, and perhaps can also be sent to the handheld terminal of respective user.Said identification code is character string or one dimension sign indicating number or two-dimension code.Said central server 10 is sent to and also comprises time of payment information in the information of choosing client 20, the user need be in this time limit defrayment, otherwise this order is regarded as automatically and recalls.Perhaps, time of payment information can be sent to and chooses client 20 by choosing server 30.
[step e] user is according to said unique identification sign indicating number to a payment terminal 40 defrayments, and said payment terminal 40 connects said central server 10, and said unique identification sign indicating number is sent to central server 10 verifications.
The verification content comprises: whether checking unique identification sign indicating number is wrong, verifies whether the corresponding time of payment of this unique identification sign indicating number is expired, verifies whether the corresponding order of this unique identification sign indicating number is paid; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, send the information of informing to said central server 10 simultaneously.Said payment terminal 40 can be the payment terminal in convenience store or supermarket.
In addition, payment terminal 40 can also be connected with paying server, and payment terminal 40 is through paying server and central server 10 interactive information.
[step F] said central server 10 is after receiving payment information, and notice is corresponding chooses server 30.
[step G] said server 30 of choosing is revised whether prepaid attribute of order representative after the information that receives central server 10.So far, user's payment process promptly comes to an end, and chooses the businessman that server 30 can be notified provides commodity (not choosing website self if this businessman is not this).
More than introduced method of network payment of the present invention, the present invention also discloses the corresponding network payment system of said method when disclosing above-mentioned method of network payment; See also that the said system of Fig. 2 comprises central server 10, somely chooses client 20, chooses server 30, payment terminal 40.Below disclose each ingredient respectively.
[choosing client]
Choose the communication unit that client 20 comprises connected network, the user gets into not specific shopping website through choosing client.
The said client of choosing comprises first login module, and the identity information of first login module checking user input is able to be connected with a central server 10 after verifying successfully.
The said client of choosing comprises second login module, and the identity information of second login module checking user input is able to after verify successfully choose server 30 connections with corresponding.
[central server]
Said identification code is one dimension sign indicating number or two-dimension code, and said payment terminal is connected with the recognizer in order to identification one dimension sign indicating number or two-dimension code.
[payment terminal]
Preferably, said payment terminal 40 is connected with paying server, and payment terminal 40 can be passed through paying server and central server 10 interactive information, certainly, and also can directly own and central server 10 interactive information.
[choosing server]
Choose server 30 and connect said central server 10, said central server 10 is after receiving payment information, and notice is corresponding chooses server 30; The said server 30 of choosing is revised whether prepaid attribute of order representative after the information that receives central server 10.So far, user's payment process promptly comes to an end, and chooses the businessman that server 30 can be notified provides commodity (not choosing website self if this businessman is not this).Choose server 30 through being the server of choosing the website.
In sum, method of network payment and system that the present invention proposes, the shopper can be at convenience store's payment purchase expenses of periphery, for the shopper who does not have the Internet bank brings great convenience.
Embodiment two
Present embodiment is introduced the operating process of the inventive method with a concrete case.
Middle school student A often surfs the Net, and sees that the commodity that a certain businessman provides in the network (like a mobile phone) are more much lower than the price on the market, wants to buy these commodity through network.The modes of payments that provides on the shopping website comprises: (1) Alipay; (2) Internet bank's remittance; (3) bank transfer; (4) convenience store's payment.
Wherein, (1), the modes of payments is planted in (2) needs Web bank, middle school student A does not have Web bank owing to be the minor; (3) kind mode needs learning time to arrive the bank counter payment of a certain family, owing to be evening, can't pay the bill, and second day is again learning time simultaneously; So select (4) to plant the modes of payments.
Middle school student A has registered the account of certain shopping website, the account of the shop payment service that facilitates respectively.So got into the flow process of method among the embodiment one:
[step 21] middle school student A gets into certain shopping website (like Taobao, new egg net) through a PC, then logins this shopping website, payment service software respectively; Like this, this PC with choose server 30, central server 10 is connected.
[step 22] middle school student A chooses the mobile phone of oneself liking, chooses server 30 and generates order through PC; Choose server 30 or PC sequence information is sent to central server 10.
[step 23] central server 10 generates a unique identification code according to sequence information, and in the present embodiment, this unique mark code is a character string.Middle school student A can note this character string, and preferred mode is: central server 10 or choose server 30 this character string is sent in the mobile phone of middle school student A.
Said central server 10 is sent in the information of PC and also comprises time of payment information, the user need be in this time limit defrayment, otherwise this order is regarded as automatically and recalls.Perhaps, time of payment information can be sent to PC by choosing server 30.
Near [step 24] middle school student A extremely convenience store's defrayment of family (can certainly adopt other modes through paying in cash; In addition, also can arrive other pay point defrayments), at least one payment terminal 40 is set in the convenience store.Middle school student A or salesman input to payment terminal 40 with the unique identification sign indicating number, and payment terminal 40 is sent identification code into central server 10 checkings, if this identification code of checking is correct, promptly revises the pay status of corresponding order.Payment terminal 40 feeds back to central server 10 with payment result, and central server 10 is informed the corresponding server 30 of choosing again.
Wherein, preferably, when checking unique identification sign indicating number is correct, comprise password authentification information, place the user identification code is misremembered.
So far, the payment process of middle school student A promptly comes to an end, and chooses the businessman that server 30 can be notified provides commodity (like Taobao).
Embodiment three
Present embodiment is introduced the operating process of the inventive method with another concrete case.The difference of present embodiment and embodiment two is that the unique identification code that present embodiment generates is the one dimension sign indicating number.
Middle school student A has registered the account of certain shopping website, the account of the shop payment service that facilitates respectively.So got into the flow process of method among the embodiment one:
[step 31] middle school student A gets into certain shopping website (like Taobao, new egg net) through a PC, then logins this shopping website, convenience store's payment service software respectively; Like this, this PC with choose server 30, central server 10 is connected.
[step 32] middle school student A chooses the mobile phone of oneself liking, chooses server 30 and generates order through PC; Choose server 30 or PC sequence information is sent to central server 10.
[step 33] central server 10 generates a unique identification code according to sequence information, and in the present embodiment, this unique mark code is the one dimension sign indicating number.Central server 10 or choose server 30 this one dimension sign indicating number is sent in the mobile phone of middle school student A.
Said central server 10 is sent in the information of PC and also comprises time of payment information, the user need be in this time limit defrayment, otherwise this order is regarded as automatically and recalls.Perhaps, time of payment information can be sent to PC by choosing server 30.
[step 34] middle school student A is provided with at least one payment terminal 40 near the convenience store's defrayment the family in the convenience store, payment terminal 40 comprises one dimension sign indicating number recognizer.Middle school student A or salesman are through the one dimension sign indicating number in the one dimension sign indicating number recognizer identification middle school student A mobile phone, and payment terminal 40 is sent to central server 10 checkings with one dimension sign indicating number information, if this identification code of checking is correct, promptly revises the pay status of corresponding order.Payment terminal 40 feeds back to central server 10 with payment result, and central server 10 is informed the corresponding server 30 of choosing again.
So far, the payment process of middle school student A promptly comes to an end, and chooses the businessman that server 30 can be notified provides commodity (like Taobao).
Embodiment four
Present embodiment is introduced the operating process of the inventive method with another concrete case.The difference of present embodiment and embodiment two is that the unique identification code that present embodiment generates is a two-dimension code.
Embodiment five
The difference of present embodiment and embodiment one is that in the present embodiment, the steps A among the embodiment one, the login process of step B can not need, promptly the user only need with oneself the information notification central server or choose server and get final product.
In the present embodiment, method of network payment of the present invention comprises the steps:
51, the user selects commodity through choosing client, chooses client user profile, merchandise news are sent to central server or choose server.
52, said central server or choose server and generate a unique identification code according to the information that receives is sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal; Generate unique identification code if choose server, then choose server the relevant information of the identification code that generates is sent to said central server;
53, the user is according to said unique identification sign indicating number to payment terminal defrayment, and said payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, said payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
54, said central server payment information inform the corresponding server of choosing;
55, the said server of choosing is after receiving the information of central server, revises whether prepaid attribute of order representative.
In addition, said payment terminal comprises print module, and payment terminal receives user's unique identification sign indicating number, generates corresponding printing list, and prints through print module; The user pays corresponding expense through the pay point of this printing list to convenience store or supermarket or retail shop.
In the present embodiment, network payment system of the present invention comprises:
-choose client, comprise the communication unit of connected network, the user gets into not specific remote payment website through choosing client;
-central server; Connect the said client of choosing, choose user profile, the merchandise news that client is sent, and generate a unique identification code according to the information that receives in order to reception; Be sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal;
-payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
-choose server, connect said central server, said central server is after receiving payment information, notice remote payment website is corresponding chooses server; The said server of choosing is revised whether prepaid attribute of order representative after receiving the information of central server.
Embodiment six
In the present embodiment, the said client of choosing is to have the terminal of touch-screen or be non-touch terminal, and this is chosen client and is connected with the POS machine of retail shop; The said client of choosing is sent to the POS machine of retail shop with the unique identification code that obtains, and the POS machine receives said identification code, and the information corresponding according to identification code generates paying bill automatically, and the user is defrayment on the POS machine directly.
Embodiment seven
In the present embodiment, said payment terminal is to have the terminal of touch-screen or be non-touch terminal; This payment terminal can also comprise bank card recognizer or coin identifier; Said payment terminal receives user's unique identification code, visits said central server, and said unique identification sign indicating number is sent to the central server verification; And receive user's expense through bank card recognizer or coin identifier, pay successfully after, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, extremely said central server of information is informed in transmission simultaneously.
Embodiment eight
The difference of present embodiment and embodiment five is, in the steps A, the user inserts the remote payment website through Web website or WAP site or IVR or short message mode, through the user name password authentification or need not the user name password authentification, chooses required commodity or service;
Enter into central server corresponding webpage or website through http or https on-link mode (OLM), central server generates the identification code of a uniqueness automatically on the corresponding website of central server according to remote payment website transmission parameters; Said remote payment website transmission parameters comprises the order number that the corresponding ID of website, website generate, and the order number that website generates is unique on the server of remote payment website;
The user carries this identification code and on payment terminal, imports corresponding identification code; Payment terminal is called central server through the webservice mode, and central server calls the remote payment server in station, this identification code of remote payment server in station checking through http or https or socket or webservice mode; Return the amount of money that to pay after correct and give central server; Central server is informed payment terminal again, and after the correct payment of client, payment terminal is notified the remote payment server in station more in an identical manner; The remote payment server in station carries out corresponding processing, to the client corresponding commodity or service is provided.
Embodiment nine
In the present embodiment, said payment terminal comprises the member card recognizer, and the member user has member card, contains the expense of prestoring in the member card, and the member user is through member card direct payment expense.Said member card can be material object card or virtual card.
Embodiment ten
In the present embodiment; The user can perhaps through the mode defrayment of accumulated point exchanging, perhaps pass through the mobile phone wallet defrayment through the mode defrayment of cash at pay point; Perhaps through virtual member card/member card defrayment in kind, perhaps through contactless identification card defrayment.
Here description of the invention and application is illustrative, is not to want with scope restriction of the present invention in the above-described embodiments.Here the distortion of the embodiment that is disclosed and change are possible, and the replacement of embodiment is known with the various parts of equivalence for those those of ordinary skill in the art.Those skilled in the art are noted that under the situation that does not break away from spirit of the present invention or essential characteristic, and the present invention can be with other form, structure, layout, ratio, and realize with other assembly, material and parts.Under the situation that does not break away from the scope of the invention and spirit, can carry out other distortion and change here to the embodiment that is disclosed.
Claims (27)
1. a method of network payment is characterized in that, said method comprises the steps:
A, user select commodity through choosing client, choose client user profile, commodity information are sent to central server or choose server;
B, said central server or choose server and generate a unique identification code according to the information that receives are sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal; Generate unique identification code if choose server, then choose server the relevant information of the identification code that generates is sent to said central server;
C, user are according to said unique identification sign indicating number to payment terminal defrayment, and said payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, said payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
D, said central server payment information are informed the corresponding server of choosing;
E, the said server of choosing are revised whether prepaid attribute of order representative after receiving the information of central server.
2. method of network payment according to claim 1 is characterized in that:
The said client of choosing is computing machine or hand-held mobile terminal.
3. method of network payment according to claim 1 is characterized in that:
Said payment terminal receives user's unique identification code, then visits said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, send the information of informing to said central server simultaneously.
4. method of network payment according to claim 1 is characterized in that:
Said payment terminal comprises print module, and payment terminal receives user's unique identification sign indicating number, generates corresponding printing list, and prints through print module; The user pays corresponding expense through this printing list to pay point.
5. method of network payment according to claim 4 is characterized in that:
The user perhaps through the mode defrayment of accumulated point exchanging, perhaps through the mobile phone wallet defrayment, perhaps through virtual member card/member card defrayment in kind, perhaps passes through contactless identification card defrayment at the mode defrayment of pay point through cash.
6. method of network payment according to claim 1 is characterized in that:
Said payment terminal is to have the terminal of touch-screen or be non-touch terminal; This payment terminal comprises bank card recognizer or coin identifier;
Said payment terminal receives user's unique identification code, visits said central server, and said unique identification sign indicating number is sent to the central server verification; And receive user's expense through bank card recognizer or coin identifier, pay successfully after, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, extremely said central server of information is informed in transmission simultaneously.
7. method of network payment according to claim 1 is characterized in that:
Said payment terminal is to have the terminal of touch-screen or be non-touch terminal;
The user is through the mode defrayment of said payment terminal with accumulated point exchanging or mobile phone wallet or identification contactless identification card.
8. method of network payment according to claim 1 is characterized in that:
The said client of choosing is to have the terminal of touch-screen or be non-touch terminal, and this is chosen client and is connected with payment terminal;
The said client of choosing is sent to payment terminal with the unique identification code that obtains, and payment terminal receives said identification code, and the information corresponding according to identification code generates paying bill automatically, and the user is defrayment on payment terminal directly.
9. method of network payment according to claim 8 is characterized in that:
The said client of choosing is to have the terminal of touch-screen or be non-touch terminal, and this is chosen client and is connected with the POS machine of retail terminal;
The said client of choosing is sent to the POS machine with the unique identification code that obtains, and the POS machine receives said identification code, and the information corresponding according to identification code generates paying bill automatically, and the user is defrayment on the POS machine directly.
10. method of network payment according to claim 1 is characterized in that:
Said identification code is one dimension sign indicating number or two-dimension code, and said payment terminal is connected with the recognizer in order to identification one dimension sign indicating number or two-dimension code.
11. method of network payment according to claim 1 is characterized in that:
In the steps A, the user inserts the remote payment website through Web website or WAP site or IVR or short message mode, through the user name password authentification or need not the user name password authentification, chooses required commodity or service;
Enter into central server corresponding webpage or website through http or https on-link mode (OLM), central server generates the identification code of a uniqueness automatically on the corresponding website of central server according to remote payment website transmission parameters; Said remote payment website transmission parameters comprises the order number that the corresponding ID of website, website generate, and the order number that website generates is unique on the server of remote payment website;
The user carries this identification code and on payment terminal, imports corresponding identification code; Payment terminal is called central server through the webservice mode, and central server calls the remote payment server in station, this identification code of remote payment server in station checking through http or https or socket or web service mode; Return the amount of money that to pay after correct and give central server; Central server is informed payment terminal again, and after the correct payment of client, payment terminal is notified the remote payment server in station more in an identical manner; The remote payment server in station carries out corresponding processing, to the client corresponding commodity or service is provided.
12. method of network payment according to claim 1 is characterized in that:
Said payment terminal is connected with paying server, and payment terminal connects said central server through said paying server.
13. method of network payment according to claim 1 is characterized in that:
Said payment terminal comprises the member card recognizer, and the member user is through member card direct payment expense; Said member card is card in kind or virtual card.
14. a method of network payment is characterized in that said method comprises the steps:
A1, user are through choosing client with Web website or WAP site or IVR or the not specific remote payment website of short message mode entering; The said client of choosing comprises first login module; The identity information of first login module checking user input is able to be connected with a central server after verifying successfully; The said client of choosing comprises second login module, and the identity information of second login module checking user input is able to after verify successfully choose the server connection with corresponding; The user selects commodity through the said client of choosing, and chooses client and generates order, with user profile, commodity information package, is sent to said central server simultaneously;
B1, said central server choose the information that client sends according to correspondence and generate a unique identification code, are sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal; Said identification code is character string or one dimension sign indicating number or two-dimension code; Said central server is sent to and also comprises time of payment information in the information of choosing client;
C1, user are according to said unique identification sign indicating number to payment terminal defrayment, and said payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; The verification content comprises: whether checking unique identification sign indicating number is wrong, verifies whether the corresponding time of payment of this unique identification sign indicating number is expired, verifies whether the corresponding order of this unique identification sign indicating number is paid; After the verification succeeds, said payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
D1, said central server payment information are informed the corresponding server of choosing;
E1, the said server of choosing are revised whether prepaid attribute of order representative after receiving the information of central server.
15. a method of network payment is characterized in that said method comprises the steps:
A2, user select commodity through choosing client, choose client user profile, commodity information are sent to a server;
B2, said server generate a unique identification code according to the information that receives, and are sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal;
C2, user are according to said unique identification sign indicating number to payment terminal defrayment, and said payment terminal connects said server, and said unique identification sign indicating number is sent to the server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative.
16. a network payment system is characterized in that, said system comprises:
Choose client, comprise the communication unit of connected network, the user gets into not specific remote payment website through choosing client;
Central server; Connect the said client of choosing, choose user profile, the commodity information that client is sent, and generate a unique identification code according to the information that receives in order to reception; Be sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal;
Payment terminal connects said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, payment terminal or central server are revised in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative;
Choose server, connect said central server, said central server is after receiving payment information, and notice remote payment website is corresponding chooses server; The said server of choosing is revised whether prepaid attribute of order representative after receiving the information of central server.
17. network payment system according to claim 16 is characterized in that:
The said client of choosing is computing machine or hand-held mobile terminal.
18. network payment system according to claim 16 is characterized in that:
Said payment terminal is the payment terminal of convenience store or supermarket or retail shop or public place, and said payment terminal receives user's unique identification code, then visits said central server, and said unique identification sign indicating number is sent to the central server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, send the information of informing to said central server simultaneously.
19. network payment system according to claim 16 is characterized in that:
Said payment terminal comprises print module, and payment terminal receives user's unique identification sign indicating number, generates corresponding printing list, and prints through print module; The user pays corresponding expense through this printing list to pay point.
20. network payment system according to claim 19 is characterized in that:
The user perhaps through the mode defrayment of accumulated point exchanging, perhaps through the mobile phone wallet defrayment, perhaps through virtual member card/member card defrayment in kind, perhaps passes through contactless identification card defrayment at the mode defrayment of pay point through cash.
21. network payment system according to claim 16 is characterized in that:
Said payment terminal is to have the terminal of touch-screen or be non-touch terminal; This payment terminal comprises bank card recognizer or coin identifier;
Said payment terminal receives user's unique identification code, visits said central server, and said unique identification sign indicating number is sent to the central server verification; And receive user's expense through bank card recognizer or coin identifier, pay successfully after, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative, extremely said central server of information is informed in transmission simultaneously.
22. network payment system according to claim 16 is characterized in that:
Said payment terminal is to have the terminal of touch-screen or be non-touch terminal;
The user is through the mode defrayment of said payment terminal with accumulated point exchanging or mobile phone wallet or identification contactless identification card.
23. network payment system according to claim 16 is characterized in that:
Said payment terminal is connected with paying server, and payment terminal is through paying server and central server interactive information.
24. network payment system according to claim 16 is characterized in that:
Said identification code is one dimension sign indicating number or two-dimension code, and said payment terminal is connected with the recognizer in order to identification one dimension sign indicating number or two-dimension code.
25. network payment system according to claim 16 is characterized in that:
The user inserts the remote payment website through Web website or WAP site or IVR or short message mode, through the user name password authentification or need not the user name password authentification, chooses required commodity or service; Enter into central server corresponding webpage or website through http or https on-link mode (OLM), central server generates the identification code of a uniqueness automatically on the corresponding website of central server according to remote payment website transmission parameters; Said remote payment website transmission parameters comprises the order number that the corresponding ID of website, website generate, and the order number that website generates is unique on the server of remote payment website;
The user carries this identification code and on payment terminal, imports corresponding identification code; Payment terminal is called central server through the webservice mode, and central server calls the remote payment server in station, this identification code of remote payment server in station checking through http or https or socket or web service mode; Return the amount of money that to pay after correct and give central server; Central server is informed payment terminal again, and after the correct payment of client, payment terminal is notified the remote payment server in station more in an identical manner; The remote payment server in station carries out corresponding processing, to the client corresponding commodity or service is provided.
26. network payment system according to claim 16 is characterized in that:
Said payment terminal comprises the member card recognizer, and the member user is through member card direct payment expense; Said member card is card in kind or virtual card.
27. a network payment system is characterized in that, said system comprises:
Choose client, comprise the communication unit of connected network, the user gets into not specific remote payment website through choosing client;
Server; Connect the said client of choosing, choose user profile, the commodity information that client is sent, and generate a unique identification code according to the information that receives in order to reception; Be sent to the corresponding client of choosing, perhaps/and be sent to user's handheld terminal;
Payment terminal, the Connection Service device, and said unique identification sign indicating number is sent to the server verification; After the verification succeeds, revise in the said unique identification sign indicating number corresponding informance whether prepaid attribute of representative.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2010102466934A CN102346890A (en) | 2010-07-30 | 2010-07-30 | Network payment method and system thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2010102466934A CN102346890A (en) | 2010-07-30 | 2010-07-30 | Network payment method and system thereof |
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| CN102346890A true CN102346890A (en) | 2012-02-08 |
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| CN2010102466934A Pending CN102346890A (en) | 2010-07-30 | 2010-07-30 | Network payment method and system thereof |
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Application publication date: 20120208 |