CN102646238A - Internet-based payment channel integrating method - Google Patents
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Abstract
The invention relates to an Internet-based payment channel integrating method which is characterized by comprising the following steps: firstly, a customer accesses an Internet for selecting goods, and selects a payment settlement mode; secondly, the customer encrypts relevant order information and submits an order; thirdly, a merchant sever checks and confirms purchasing information of the customer and ensures that electronic money issuers such as a bank check the purchasing information to obtain authentication of payment fund; fourthly, after the bank checks and confirms the purchasing information, confirming and payment settlement information is transmitted back to the merchant server through an encrypting communication channel; fifthly, settlement is carried out by means of a financial private network, and payment settlement success information is sent; and finally, the merchant server sends network payment success information and delivery release to the customer. Therefore, all modes of global payment can be completed on the provided payment platform. From different aspects and different links, data security of a user using a payment channel is strictly protected, and the problem of information data security of the user is solved.
Description
Technical field
The present invention relates to a kind of method of payment, relate in particular to a kind of payment channel integration method based on the internet.
Background technology
Along with the particularly fast development of network trading of ecommerce, online network payment has embodied its indispensable status.
Three link-information flows, cash flow and logistics are the keys that promote e-commerce development in e-business operation model and the operation flow.As the online network payment of intermediate link, be the problem that both parties are concerned about the most in the electronic commerce procedure.If this link can not solve; Realize that so really ecommerce just becomes empty talk; The basic condition that does not just have ecommerce to be able to shape up; Can only be the with no paper of the electronization transmitted of information, contract, and can't realize online transaction fully, make ecommerce fast easily advantage have a greatly reduced quality.
At present how the ecommerce problem demanding prompt solution just concentrates on through existing network technology such as Internet Web, data encryption, trade agreement, client browser technology and software etc., makes that client and businessman are transparent to conclude the business safely.Wherein, the reliable and safety of payment system is the basis and the guarantee of whole e-commerce framework.
What is an internet payment:
With computer network system internet system particularly; Realize growing up on the circulation of fund and the basis that the payment network payment is based on E-Payment with the form of electronic information transmission; It is the recent development stage of paying by mails, and network payment is based on the E-Payment of Internet and suitable e-commerce development.
Network payment; Also claim network payment and clearing, English is generally described as Net Payment or Internet Payment, and it is meant with the e-finance network and is the basis; With electronic instrument of commercialization and all kinds of transactional cards is media; Adopt The present computer technology and the communication technology as means,, realize circulation and pay with electronic information transmission form through computer network Internet particularly.Therefore network payment is to have very strong Internet branding, claims that it is Internet Payment so a lot of place is clear-cut, and it also is based on the core of the ecommerce of Internet.
The network payment of the current international practice mainly contains e-credit, electronics debit card, eCheck and electronic cash at present.Simultaneously, the on-line payment service that provides of the third-party institution also is to have embodied huge vitality.These means of payment commonly used have been arranged, just can realize network payment through some internet payment means commonly used.
The reasonable payment channel that do in present global area: China: Alipay, the first letter of Shanghai ecpss.IPS. are prone to; The U.S.: Paypal, Authorize.net, Clickbank, 2CheckOut; Britain: Nochex, SECPay, Australia: eWAY, Paymate.
For the customer, select a kind of means of payment, crucial security, the convenience of still seeing it, and the expense height etc.In general, every kind of on-line payment instrument all is to collect different expenses according to different Account Types.Following emphasis comes preceding 5 kinds of comparative descriptions from the expense aspect, simply explain back 5 kinds.
1, Alipay (alipay)---third party's means of payment under the group of Alibaba.Use extremely extensively, contain wide.Domestic first electronic payment instrument is not temporarily supported international payment.
2, international credit card such as ecpss payment---international credit card payment supports the consumer to use international credit card to carry out on-line payment in the website, buys the commodity or the service of businessman.Support international credit cards such as Visa, masterCard comprehensively.It has five big advantages following: general: no matter foreign trade gathering, virtual game gathering, video friend-making, tourist industry, foreign trade clothes, the gathering of foreign trade footwear bag table class, ornaments, handicraft electronic game ...
Ecpss (e-converges logical) wild card payment gateway is supported international VISA, MASTER card covering the whole world comprehensively, and all credits card that VISA, MASTER sign are arranged of holding distribution overseas of consumer can be realized payment.Convenient through internet realization payment, consumption any time can both be paid the bill Anywhere in the whole world.Real-time consumer payment, businessman's gathering, fund is synchronous in real time.Simple gateway inserts walk away safety.Low cost is easily accomplished the gathering flow process through network, removes the sky high cost input from.
3, the most of clients' of Paypal first-selection saves time and economy.Be divided into three kinds of Account Types: 1) Personal Account: individual: shopping online.The transmitting-receiving fund, but do not support debit card or credit card; 2) Premier Account: senior: the user who manages online shopping mall personally; 3) BusinessAccount: enterprise: the user who manages online shopping mall with the name of company or group.Expense standard: 1) not only come to divide, and divide according to region (U.S., Canada, Europe and other regional) according to Account Type (Personal Account, Premier Account/Business Account).2) no monthly fee is built account expense and termination expense.Sending Payments is free, hands over a spot of expense according to Account Type when receiving payment.
4, eWAY is be present in the maximum shopping carts of support in Australian all on-line payment instruments a kind of.Be divided into two kinds of Account Types: 1) eBussiness Saver Plan---standby credit card.$190at?the?first?year?and?$350?from?the?second?year+$0.5?pertransaction。2) eBussiness standard Plan---standby credit card, debit card or BPay (Australian topmost electronic money payment provides service provider).$285?at?the?first?year?and?$350from?the?second?year+$0.5?per?transaction。Expense standard: if every month sales volume reaches ， $0.25 per transaction more than 500; If more, should be regarded as a different matter.
The individual and the firm of 5, Paymate---Australia and New Zealand sell on the net, and the client of 37 countries instrument that is used to buy.Be divided into five kinds of Account Type: Standard, Economy, Professional, Premier, eBussiness.Except that Standard does not have monthly fee, other all need pay monthly fee and transaction fee.Note:,, then will collect 1.5% extra cost to it if accept a dollar payment for the seller; For the buyer, if, then add AU$0.5+3% with Australia's coin payment.If, then add US$0.5+3% with a dollar payment.Annotate: with respect to eWAY, the Paymate price is comparatively cheap, but the expense requirement is many, comparatively loaded down with trivial details.
6, Authorize.net---main standby credit card and eCheck.Have two kinds of Account Type: Merchant and Reseller.Relevant its charge description, have different versions in each website, the also clear and definite standard of neither one on the official website.
7, Clickbank---be supported in the online merchants that sell electronic product or retail books above the Marketplace of Clickbank.Professional, technicality is stronger.The account of $49.95 activates expense, no monthly fee.Pattern: Clickbank with 92.5% of retail price, deducts 1 dollar storage expense from publisher there again, and such price is wholesale advances product.For example: if the price of Clickbank Yi $50 has been sold your product, you are with De Dao $50*0.925-$1=$45.25 so, and in other words, Clickbank collects the expense of $1+7.5% to you.If you are recommended by the member, price ratio again can be different so.
8, Nochex---support middle-size and small-size online shopping mall.
9,2CheckOut---the U.S. is comparatively popular, and the type of merchandize that contains is more.$49?set?up?fee5.5％commission+$0.45?Per?transaction。
10, the on-line payment instrument that SECPay---Britain is maximum.
So close internet payment passage integration technology:
1, the authenticating transactions both sides, prevent payment fraud.Can use digital signature and digital certificate etc. to realize authentication to online business each side; To prevent payment fraud; Validity to each side's identity of participating in internet trade is carried out authentication, provides digital certificate through certification authority or registration body to participating in each side, to confirm the legitimacy of its identity.
2, encoded information stream.Adopt single key cryptosystem or two-key system to carry out the encryption and decryption of information, adopt technology such as digital envelope, digital signature to strengthen the confidentiality and the integrality of data transmission simultaneously, prevent that the uncommitted third party from obtaining the real meaning of information.
3, the digital digest algorithm is confirmed the true and false of payment electronic information.For protected data not by unauthorized persons set up, embed, delete, distort, playback etc., arrive recipient one side perfectly, can adopt data hash technology.
4, guarantee trading activity and professional non repudiation.Dispute appears in both sides when online transaction, and during the dispute of particularly relevant payment and settlement, system can guarantee corelation behaviour or professional non-repudiation.Network payment system must generate in the process of transaction or provide enough ample evidence to distinguish rapidly the right and wrong in the dispute, can realize with technology such as digital signature.
5, handle the professional multilateral payment problem of the web trade.Payment and settlement involves client, businessman and bank etc. in many ways, and the purchase information of transmission and payment instruction information also must link together, and has confirmed just to understand continuous business behind some payment information because businessman has only, and bank also has only the payment of affirmation just payment can be provided.In order to guarantee safety, businessman can not read client's payment instruction, and bank can not read the purchase information of businessman, and what the relation of this multilateral payment can the system of using provides realizes such as technology such as dual digital signature.
Summary of the invention
The object of the invention is exactly the problems referred to above that exist in the prior art in order to solve, and a kind of payment channel integration method based on the internet is provided.
The object of the invention is realized through following technical scheme:
Based on the payment channel integration method of internet, it may further comprise the steps: step 1., the client enters the Internet, and through visit device browse commodities on the net, selects goods, fills in the network order, selects the payment and settlement mode; Step 2., client computer is encrypted relevant sequence information, submits order on the net to; Or, operate payment to concrete network address through obtaining the payment link; Step 3.; Business server is checked, is confirmed client's ordering information; And client's payment information relevant, that process is encrypted is transmitted to payment gateway; Bank's backstage service server up to bank's dedicated network is confirmed, verifies the mandate that obtains disbursing funds from electronic money issuers such as banks; 4. step behind bank's demonstration validation, through the encrypted communication channel of setting up via payment gateway, gives business server loopback affirmation and payment and settlement information; Step 5.; After bank obtains further mandate settlement information that the client transmits; Transfer fund to businessman's account No. of carrying out ecommerce from customer account number, settle accounts, and send the payment and settlement successful information to businessman, client respectively by financial private; Step 6., business server is sent network successful payment information and shipping order to the client after receiving the clearing successful information that bank sends.
The above-mentioned payment channel integration method based on the internet, wherein: described payment and settlement mode is bank card, stored value card, electronic cash, eCheck, the Internet bank, third-party institution's account.
Further, above-mentioned payment channel integration method based on the internet, wherein: behind the 4. described bank of the step demonstration validation, give the request of client's loopback payment authorization.
Further, above-mentioned payment channel integration method based on the internet, wherein: the described asymmetric encryption that is encrypted as combines with symmetric cryptography.
The advantage of technical scheme of the present invention is mainly reflected in: avoid internet enterprise or user to pace up and down and travel to and fro between a plurality of payment channel or a plurality of payment platform, can accomplish the whole world payment of all modes on the payment platform that provides.Through from different perspectives, different link carried out tight protection to the user's data security of using payment channel, solved user profile data security problem preferably.Thus, expanded the space for the technical progress of this area, implementation result is good.
Description of drawings
The object of the invention, advantage and characteristics will illustrate through the non-limitative illustration of following preferred embodiment and explain.These embodiment only are the prominent examples of using technical scheme of the present invention, and all technical schemes of taking to be equal to replacement or equivalent transformation and forming all drop within the scope of requirement protection of the present invention.In the middle of these accompanying drawings,
Fig. 1 is based on the enforcement synoptic diagram of the payment channel integration method of internet.
Embodiment
Payment channel integration method based on the internet as shown in Figure 1, its unusual part is to adopt following steps:
At first, the client enters the Internet, and through going sight-seeing device browse commodities on the net, selects goods, fills in the network order, selects the payment and settlement mode.Then, client computer is encrypted relevant sequence information such as payment information, submits order on the net to.Certainly, consider that client's payment custom is different, can also operate payment to concrete network address through obtaining the payment link.Specifically, adopt the operation interface payment exactly or adopt service interface to pay, promptly as shown in Figure 1.
Afterwards; Business server is checked, is confirmed client's ordering information; And client's payment information relevant, that process is encrypted is transmitted to payment gateway; Bank's backstage service server up to bank's dedicated network is confirmed, verifies the mandate that obtains disbursing funds from electronic money issuers such as banks.Specifically, this cipher mode for asymmetric encryption combines with symmetric cryptography, is a kind of unconventional encryption technology.
Behind bank's demonstration validation,, give business server loopback affirmation and payment and settlement information through the encrypted communication channel of setting up via payment gateway.
Certainly, for further stepping up security, can also give the request of client's loopback payment authorization behind bank's demonstration validation.
Immediately; After bank obtains further mandate settlement information that the client transmits; Transfer fund to businessman's account No. of carrying out ecommerce from customer account number, settle accounts, and send the payment and settlement successful information to businessman, client respectively by financial private.At last, business server is sent network successful payment information and shipping order to the client after receiving the clearing successful information that bank sends.So far, once typical network payment settlement process finishes.Businessman and client can be respectively by the balance of funding information of network inquiry oneself, further to check.
In conjunction with the present invention's one preferred implementation, adopting the payment and settlement mode is bank card, stored value card, electronic cash, eCheck, the Internet bank, third-party institution's account.Like this, can satisfy user demand from adapting to existing internet payment mode to the full extent.
Compare with traditional mode after adopting the present invention:
1, adopt advanced technology to transfer through digital stream and accomplish information transmission, its various modes of payments all are to adopt digitized mode to carry out the fund payment; Traditional modes of payments then is that the circulation through cash, the transfer of bill and the physical entities such as exchange of bank are that the fund payment is accomplished in circulation.
2, working environment is based among the open system platform (being the Internet); Conventional payment then is in the system of comparatively sealing, to operate.
3, state-of-the-art means of communication, like the Internet, Extranet, what conventional payment was used then is traditional telecommunication media.Network payment is very high to requirement soft, hardware facility, and general the requirement has the microcomputer of networking, relevant software and some other auxiliary facilities, and conventional payment does not then have so high requirement.
4, has convenient, fast, efficient, economic advantage.As long as the user has the PC of an online,, accomplish whole payment process in a short period of time just can stay indoors.Defrayment only is equivalent to 1/tens of conventional payment, even more than one percent.Network payment is the restriction in breakthrough time and space fully, can satisfy the mode of operation of 24/7 (7 days weekly, 24 hours every days), and the height of its efficient is that conventional payment is too far behind to catch up.
5, satisfy all payments and the gathering demand of individual or enterprise fully, little of individual's dealing, the trade of arriving transnational enterprise greatly.Can multistagely share in the benefit simultaneously reimbursement in real time.Support multiple implementations such as interface operation and service interface interchange.
6 internet payment passages can be realized safety fully, and are convenient, efficiently payment.
Can find out through above-mentioned character express, adopt the present invention after, avoid internet enterprise or user to pace up and down and travel to and fro between a plurality of payment channel or a plurality of payment platform, can accomplish the whole world payment of all modes on the payment platform that provides.Through from different perspectives, different link carried out tight protection to the user's data security of using payment channel, solved user profile data security problem preferably.
Claims (4)
1. based on the payment channel integration method of internet, it is characterized in that may further comprise the steps:
Step 1., the client enters the Internet, and through visit device browse commodities on the net, selects goods, fills in the network order, selects the payment and settlement mode;
Step 2., client computer is encrypted relevant sequence information, submits order on the net to; Or, operate payment to concrete network address through obtaining the payment link;
Step 3.; Business server is checked, is confirmed client's ordering information; And client's payment information relevant, that process is encrypted is transmitted to payment gateway; Bank's backstage service server up to bank's dedicated network is confirmed, verifies the mandate that obtains disbursing funds from electronic money issuers such as banks;
4. step behind bank's demonstration validation, through the encrypted communication channel of setting up via payment gateway, gives business server loopback affirmation and payment and settlement information;
Step 5.; After bank obtains further mandate settlement information that the client transmits; Transfer fund to businessman's account No. of carrying out ecommerce from customer account number, settle accounts, and send the payment and settlement successful information to businessman, client respectively by financial private;
Step 6., business server is sent network successful payment information and shipping order to the client after receiving the clearing successful information that bank sends.
2. the payment channel integration method based on the internet according to claim 1 is characterized in that: described payment and settlement mode is bank card, stored value card, electronic cash, eCheck, the Internet bank, third-party institution's account.
3. the payment channel integration method based on the internet according to claim 1 is characterized in that: behind the 4. described bank of the step demonstration validation, give the request of client's loopback payment authorization.
4. the payment channel integration method based on the internet according to claim 1 is characterized in that: the described asymmetric encryption that is encrypted as combines with symmetric cryptography.
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Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103392186A (en) * | 2012-12-28 | 2013-11-13 | 华为技术有限公司 | Payment method, payment |
| CN104123648A (en) * | 2013-04-27 | 2014-10-29 | 丰达软件（苏州）有限公司 | Electronic payment system |
| CN104240072A (en) * | 2014-09-27 | 2014-12-24 | 武钢集团昆明钢铁股份有限公司 | Multi-channel network integrated payment system and multi-channel network integrated payment method |
| CN104299132A (en) * | 2014-09-05 | 2015-01-21 | 江苏维罗可思信息科技有限公司 | Uniform payment gateway |
| CN104376452A (en) * | 2013-08-15 | 2015-02-25 | 世纪禾光科技发展（北京）有限公司 | System and method for managing payment success rate on basis of international card payment channel |
| CN104766209A (en) * | 2014-01-07 | 2015-07-08 | 腾讯科技（深圳）有限公司 | Data batch processing method and system |
| CN105160564A (en) * | 2015-06-13 | 2015-12-16 | 陈曦 | Transaction processing method and transaction processing device |
| CN105512926A (en) * | 2015-11-27 | 2016-04-20 | 四川诚品电子商务有限公司 | Internet commerce and trade payment system |
| WO2017088152A1 (en) * | 2015-11-26 | 2017-06-01 | 深圳市银信网银科技有限公司 | Intelligent electronic commerce system, and method and device for implementing same |
| CN107230062A (en) * | 2017-07-27 | 2017-10-03 | 青岛松立软件信息技术股份有限公司 | Method of payment based on product subscription order |
| CN107451803A (en) * | 2017-08-14 | 2017-12-08 | 安徽简道科技有限公司 | The system and method paid in online game |
| WO2018006310A1 (en) * | 2016-07-07 | 2018-01-11 | 深圳市银信网银科技有限公司 | Method and system for realizing issuance, circulation and recycling of electronic currency |
| CN110189115A (en) * | 2019-06-06 | 2019-08-30 | 优赋全球(北京)网络科技有限公司 | A kind of trading channel cut-in method, device and electronic equipment |
| CN111861430A (en) * | 2020-07-27 | 2020-10-30 | 山东琅玡科技有限公司 | Novel comprehensive payment system capable of simultaneously supporting funds and bills |
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Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2014101078A1 (en) * | 2012-12-28 | 2014-07-03 | 华为技术有限公司 | Payment method, payment gateway and payment client |
| CN103392186A (en) * | 2012-12-28 | 2013-11-13 | 华为技术有限公司 | Payment method, payment |
| CN104123648A (en) * | 2013-04-27 | 2014-10-29 | 丰达软件（苏州）有限公司 | Electronic payment system |
| CN104376452B (en) * | 2013-08-15 | 2018-05-15 | 世纪禾光科技发展（北京）有限公司 | System and method based on international card payment channel managing payment success rate |
| CN104376452A (en) * | 2013-08-15 | 2015-02-25 | 世纪禾光科技发展（北京）有限公司 | System and method for managing payment success rate on basis of international card payment channel |
| CN104766209A (en) * | 2014-01-07 | 2015-07-08 | 腾讯科技（深圳）有限公司 | Data batch processing method and system |
| US10803433B2 (en) | 2014-01-07 | 2020-10-13 | Tencent Technology (Shenzhen) Company Limited | Data batch processing method and system |
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| CN104299132A (en) * | 2014-09-05 | 2015-01-21 | 江苏维罗可思信息科技有限公司 | Uniform payment gateway |
| CN104240072A (en) * | 2014-09-27 | 2014-12-24 | 武钢集团昆明钢铁股份有限公司 | Multi-channel network integrated payment system and multi-channel network integrated payment method |
| CN105160564A (en) * | 2015-06-13 | 2015-12-16 | 陈曦 | Transaction processing method and transaction processing device |
| WO2017088152A1 (en) * | 2015-11-26 | 2017-06-01 | 深圳市银信网银科技有限公司 | Intelligent electronic commerce system, and method and device for implementing same |
| CN105512926A (en) * | 2015-11-27 | 2016-04-20 | 四川诚品电子商务有限公司 | Internet commerce and trade payment system |
| WO2018006310A1 (en) * | 2016-07-07 | 2018-01-11 | 深圳市银信网银科技有限公司 | Method and system for realizing issuance, circulation and recycling of electronic currency |
| CN107230062A (en) * | 2017-07-27 | 2017-10-03 | 青岛松立软件信息技术股份有限公司 | Method of payment based on product subscription order |
| CN107451803A (en) * | 2017-08-14 | 2017-12-08 | 安徽简道科技有限公司 | The system and method paid in online game |
| CN110189115A (en) * | 2019-06-06 | 2019-08-30 | 优赋全球(北京)网络科技有限公司 | A kind of trading channel cut-in method, device and electronic equipment |
| CN110189115B (en) * | 2019-06-06 | 2021-05-07 | 优赋全球(北京)网络科技有限公司 | Transaction channel access method and device and electronic equipment |
| CN111861430A (en) * | 2020-07-27 | 2020-10-30 | 山东琅玡科技有限公司 | Novel comprehensive payment system capable of simultaneously supporting funds and bills |
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Owner name: TONGCHENG NETWORK TECHNOLOGY CO., LTD. Free format text: FORMER OWNER: SUZHOU TONGCHENG TRAVEL NETWORK TECHNOLOGY CO., LTD. Effective date: 20121211 |
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Effective date of registration: 20121211 Address after: Xinghu Street Industrial Park of Suzhou city in Jiangsu province 215021 Creative Industry Park 5 Building No. 328 Applicant after: Tongcheng Network Technology Co., Ltd. Address before: Xinghu Street Industrial Park of Suzhou city in Jiangsu province 215123 Creative Industry Park 5 Building No. 328 Applicant before: Suzhou Tongcheng Travel Network Technology Co.,Ltd. |
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Application publication date: 20120822 |