CN102842079A - Payment system adopting third party safety certificate - Google Patents
Payment system adopting third party safety certificate Download PDFInfo
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- CN102842079A CN102842079A CN2012102461696A CN201210246169A CN102842079A CN 102842079 A CN102842079 A CN 102842079A CN 2012102461696 A CN2012102461696 A CN 2012102461696A CN 201210246169 A CN201210246169 A CN 201210246169A CN 102842079 A CN102842079 A CN 102842079A
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Abstract
The invention discloses a payment system adopting a third party safety certificate. The payment system comprises a buyer platform, a seller platform and a third party safety certificate system arranged between the buyer platform and the seller platform, wherein the third party safety certificate system comprises a buyer payment module, a seller collection module and a safety certificate module, a user pays consumption amount of a relevant goods order through the buyer payment module, the consumption amount is transferred to the safety certificate module through an electronic bank, the safety certificate module is provided with a consumption amount safety protection period, and the user extracts a transaction amount exceeding the consumption amount safety protection period after inputting a correct withdrawal password. According to the invention, the third party safety certificate system is additionally arranged between the buyer platform and the seller platform, and the consumption amount safety protection period is additionally arranged in the third party safety certificate system, therefore, the safety of a buyer and a seller is greatly enhanced.
Description
Technical field
E-commerce field of the present invention specifically, specially refers to a kind of payment system of the third party's of employing safety certification.
Background technology
It is in the wide range of commercial trade activity of all parts of the world that ecommerce typically refers to; Under the open network environment in the Internet; Based on the browser/server application mode; Both parties do not carry out various commercial activities with meeting, a kind of novel commercial operation pattern of shopping online, the online transaction between the trade company and online E-Payment and various commercial activity, transaction, finance activities that realizes the consumer and relevant integrated service activity.
Online transaction mainly is the transaction of on the virtual environment of network, carrying out, similar and central shop, the demonstration world, and difference is to utilize the various means of ecommerce, reaches from having bought the virtual trading process of the process of selling.
Because the credit bottleneck in the clearing is the obstacle property problem in network trading (ecommerce) development process all the time; The both sides that participate in business, financial institution all should safeguard the safe, unobstructed and convenient of ecommerce, work out suitable " game rule " and have just become crucial consideration.This relates to cooperating of agreement and infrastructure between the each side, could the assurance fund and the transfer of commodity.
Summary of the invention
The object of the present invention is to provide a kind of payment system of the third party's of employing safety certification,, overcome the deficiency in the conventional art, thereby realize the object of the invention through in the middle of buyer's platform and seller's platform, setting up third party's security certification system.
The technical matters that the present invention solved can adopt following technical scheme to realize:
A kind of payment system that adopts third party's safety certification, it comprise buyer's platform, seller's platform and be arranged at buyer's platform and seller's platform between third party's security certification system;
Said third party's security certification system comprises:
The buyer paid module, the user is through the consumption amount of money of the relevant goods orders of buyer paid module payment, and the said consumption amount of money is transferred accounts through Web bank in the security authentication module;
Security authentication module is provided with the consumption amount of money safeguard protection phase, collects money in the module the consumption consumption amount of money of the amount of money in the safeguard protection phase seller that can not transfer accounts;
Seller's module of collecting money is provided with the drawing password, and the user can extract above the dealing money of consuming time limit amount of money safeguard protection phase behind the correct drawing password of input.
In one embodiment of the invention, the said consumption amount of money safeguard protection phase is 3-7 days.
In one embodiment of the invention, said buyer paid module connects buyer's platform, and seller's module of collecting money connects seller's platform, and said buyer paid module and the seller module of collecting money is provided with transaction security and verifies subelement.
Beneficial effect of the present invention is: simple in structure; Design ingenious; Through in the middle of buyer's platform and seller's platform, setting up third party's security certification system, and in third party's security certification system, set up the consumption amount of money safeguard protection phase, thereby strengthened the security of both parties greatly.
Description of drawings
Fig. 1 is the structural representation of the payment system of employing third party safety certification of the present invention.
Embodiment
For technological means, creation characteristic that the present invention is realized, reach purpose and effect and be easy to understand and understand, below in conjunction with embodiment, further set forth the present invention.
As shown in Figure 1, a kind of payment system that adopts third party's safety certification of the present invention, it comprise buyer's platform 100, seller's platform 200 and be arranged at buyer's platform and seller's platform between third party's security certification system 300;
Said third party's security certification system comprises the buyer paid module, the security authentication module and the seller module of collecting money; The user is through the consumption amount of money of the relevant goods orders of buyer paid module payment, and the said consumption amount of money is transferred accounts through Web bank in the security authentication module; Security authentication module is provided with the consumption amount of money safeguard protection phase, collects money in the module the consumption consumption amount of money of the amount of money in the safeguard protection phase seller that can not transfer accounts; Seller's module of collecting money is provided with the drawing password, and the user can extract above the dealing money of consuming time limit amount of money safeguard protection phase behind the correct drawing password of input.
In an embodiment of the present invention, the said consumption amount of money safeguard protection phase is 3-7 days, through facts have proved in a large number, the consumption amount of money safeguard protection phase be 3-7 days under the prerequisite that does not roll up the fund flow time limit, can farthest guarantee the security of transaction funds.
Especially it is pointed out that said buyer paid module connects buyer's platform, seller's module of collecting money connects seller's platform, and said buyer paid module and the seller module of collecting money is provided with transaction security and verifies subelement.
The present invention is simple in structure, designs ingeniously, through in the middle of buyer's platform and seller's platform, setting up third party's security certification system, and in third party's security certification system, sets up the consumption amount of money safeguard protection phase, thereby has strengthened the security of both parties greatly.
More than show and described ultimate principle of the present invention and principal character and advantage of the present invention.The technician of the industry should understand; The present invention is not restricted to the described embodiments; That describes in the foregoing description and the instructions just explains principle of the present invention; Under the prerequisite that does not break away from spirit and scope of the invention, the present invention also has various changes and modifications, and these variations and improvement all fall in the scope of the invention that requires protection.The present invention requires protection domain to be defined by appending claims and equivalent thereof.
Claims (3)
1. a payment system that adopts third party's safety certification is characterized in that, it comprise buyer's platform, seller's platform and be arranged at buyer's platform and seller's platform between third party's security certification system;
Said third party's security certification system comprises:
The buyer paid module, the user is through the consumption amount of money of the relevant goods orders of buyer paid module payment, and the said consumption amount of money is transferred accounts through Web bank in the security authentication module;
Security authentication module is provided with the consumption amount of money safeguard protection phase, collects money in the module the consumption consumption amount of money of the amount of money in the safeguard protection phase seller that can not transfer accounts;
Seller's module of collecting money is provided with the drawing password, and the user can extract above the dealing money of consuming time limit amount of money safeguard protection phase behind the correct drawing password of input.
2. a kind of payment system that adopts third party's safety certification according to claim 1 is characterized in that, the said consumption amount of money safeguard protection phase is 3-7 days.
3. a kind of payment system that adopts third party's safety certification according to claim 1; It is characterized in that; Said buyer paid module connects buyer's platform, and seller's module of collecting money connects seller's platform, and said buyer paid module and the seller module of collecting money is provided with transaction security and verifies subelement.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012102461696A CN102842079A (en) | 2012-07-17 | 2012-07-17 | Payment system adopting third party safety certificate |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012102461696A CN102842079A (en) | 2012-07-17 | 2012-07-17 | Payment system adopting third party safety certificate |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102842079A true CN102842079A (en) | 2012-12-26 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2012102461696A Pending CN102842079A (en) | 2012-07-17 | 2012-07-17 | Payment system adopting third party safety certificate |
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| CN (1) | CN102842079A (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1877627A (en) * | 2005-06-10 | 2006-12-13 | 中国科学院软件研究所 | On-line transaction electronic payment system and method |
| CN101615274A (en) * | 2008-06-25 | 2009-12-30 | 阿里巴巴集团控股有限公司 | Utilize the method and system of communication terminal to pay |
| US20090327142A1 (en) * | 2008-06-27 | 2009-12-31 | Microsoft Corporation | Fair Payment Protocol with Semi-Trusted Third Party |
-
2012
- 2012-07-17 CN CN2012102461696A patent/CN102842079A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1877627A (en) * | 2005-06-10 | 2006-12-13 | 中国科学院软件研究所 | On-line transaction electronic payment system and method |
| CN101615274A (en) * | 2008-06-25 | 2009-12-30 | 阿里巴巴集团控股有限公司 | Utilize the method and system of communication terminal to pay |
| US20090327142A1 (en) * | 2008-06-27 | 2009-12-31 | Microsoft Corporation | Fair Payment Protocol with Semi-Trusted Third Party |
Non-Patent Citations (1)
| Title |
|---|
| 王飞: "基于可信第三方银行卡网上支付系统研究", 《中国优秀硕士学位论文全文数据库（经济与管理科学辑）》 * |
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Application publication date: 20121226 |