CN103996114A - Online payment method and device - Google Patents

Online payment method and device Download PDF

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Publication number
CN103996114A
CN103996114A CN201410209878.6A CN201410209878A CN103996114A CN 103996114 A CN103996114 A CN 103996114A CN 201410209878 A CN201410209878 A CN 201410209878A CN 103996114 A CN103996114 A CN 103996114A
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China
Prior art keywords
payment
server
evidence
bank
active user
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Granted
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CN201410209878.6A
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Chinese (zh)
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CN103996114B (en
Inventor
刘鹏
刘青松
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Online Banking Online (beijing) Technology Co Ltd
Chinabank Payments Beijing Technology Co Ltd
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Online Banking Online (beijing) Technology Co Ltd
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Priority to CN201410209878.6A priority Critical patent/CN103996114B/en
Publication of CN103996114A publication Critical patent/CN103996114A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides an online payment method and device. The online payment method and device have the main purpose of simplifying the payment operation when a user conducts online purchasing. The online payment method includes the steps that when the current user initiates the online payment first time, a payment server receives payment information of the current user sent by a merchant server, and the payment information is forwarded to a bank server; after the bank server finishes charge of a bank account according to the payment information, the payment server generates a payment document and sends the payment document to the merchant server; when the current user initiates online payment again, the payment server receives a payment request sent by the merchant server, and payment information of online payment of this time is generated according to the payment amount of this time and the payment document and then sent to the bank server.

Description

A kind of method and apparatus of on-line payment
Technical field
The present invention relates to a kind of method and apparatus of on-line payment.
Background technology
Along with the development of ecommerce, on-line payment becomes the more and more common modes of payments.User selects commodity when online commercial website being browsed, carry out on-line payment in the situation that determining purchase.Now information such as Payment Amounts is sent to third party's payment mechanism or bank by merchant server, and user pays after using the account login of own this third party's payment mechanism, or then the Web bank that user logins this bank pays.
Summary of the invention
The invention provides a kind of method and apparatus of on-line payment, fundamental purpose is the delivery operation while simplifying user's online shopping.
For achieving the above object, according to an aspect of the present invention, provide a kind of method and apparatus of on-line payment.
The method of this on-line payment of the present invention comprises: in the time that active user initiates on-line payment first, paying server receives the active user's of merchant server transmission payment information, is then transmitted to bank server; In described payment information, comprise active user's bank account and payment; After described bank account being completed according to described payment information at bank server and withholing, paying server generates the evidence for payment of encrypting and then sends to merchant server; In described evidence for payment, comprise described bank account; In the time that described active user initiates on-line payment again, paying server receives the payment request that merchant server sends, and comprises this payment and described evidence for payment in this payment request; Paying server is decrypted and verification this evidence for payment, verification by the situation that generate this on-line payment according to the evidence for payment after this payment and deciphering payment information then send to bank server.
A kind of device of on-line payment is provided according to a further aspect in the invention.
The device of this on-line payment of the present invention comprises receiver module, encrypts sending module and deciphering sending module, wherein: described receiver module, active user's the payment information sending for receiving merchant server, is then transmitted to bank server; In described payment information, comprise active user's bank account and payment; Described encryption sending module, for after described bank account being completed according to described payment information at bank server and withholing, generates the evidence for payment of encrypting and then sends to merchant server; In described evidence for payment, comprise described bank account; The payment request that described receiver module also sends for receiving merchant server, comprises this payment and described evidence for payment in this payment request; Described deciphering sending module, for described evidence for payment is decrypted and verification, verification by the situation that generate this on-line payment according to the evidence for payment after this payment and deciphering payment information then send to bank server.
The method of another kind of on-line payment is provided according to another aspect of the invention.
The method of this on-line payment of the present invention comprises: in the time that active user initiates on-line payment first, merchant server sends to paying server to be transmitted to bank server for paying server active user's payment information; In described payment information, comprise active user's bank account and payment; After described bank account being completed according to described payment information at bank server and withholing, merchant server receives the evidence for payment of the encryption that described paying server generates the corresponding preservation of user name with active user; In described evidence for payment, comprise described bank account; In the time that described active user initiates on-line payment again, merchant server is to paying server payment request, and described payment request comprises this payment and the evidence for payment corresponding to described active user's user name; Then the payment information that generates this on-line payment according to the evidence for payment after this payment and deciphering for paying server sends to bank server.
The device of another kind of on-line payment is provided according to another aspect of the invention.
The device of this on-line payment of the present invention comprises sending module, evidence for payment receiver module and preserves module, wherein: described sending module, for in the time that active user initiates on-line payment first, send to paying server to be transmitted to bank server for paying server active user's payment information; In described payment information, comprise active user's bank account and payment; Described evidence for payment receiver module, for after described bank account being completed according to described payment information at bank server and withholing, receives the evidence for payment of the encryption that described paying server generates; In described evidence for payment, comprise described bank account; Described preservation module, for the corresponding preservation of user name with described active user by described evidence for payment; Described sending module is also in the time that described active user initiates on-line payment again, and to paying server payment request, described payment request comprises this payment and the evidence for payment corresponding to described active user's user name; Then the payment information that generates this on-line payment according to the evidence for payment after this payment and deciphering for paying server sends to bank server.
According to technical scheme of the present invention, after user pays successfully for the first time, merchant server is by the evidence for payment of the encryption that comprises user's bank account and user name binding, by evidence for payment offer paying server when user pays next time, carry out other logins without user, thus the delivery operation while having simplified user's online shopping.Other objects of the present invention, advantage are illustrated in connection with embodiment.
Brief description of the drawings
Accompanying drawing, for understanding the present invention better, does not form inappropriate limitation of the present invention.Wherein:
Fig. 1 is according to the schematic diagram of the computing machine relevant to on-line payment of the embodiment of the present invention;
Fig. 2 is according to the schematic diagram of the flow process of the on-line payment of the embodiment of the present invention;
Fig. 3 is according to the schematic diagram of the main modular of the device of a kind of on-line payment of the embodiment of the present invention;
Fig. 4 is according to the schematic diagram of the main modular of the device of the another kind of on-line payment of the embodiment of the present invention.
Embodiment
Below in conjunction with accompanying drawing, example embodiment of the present invention is explained, to help understanding, they should be thought to be only exemplary comprising the various details of the embodiment of the present invention.Therefore, those of ordinary skill in the art will be appreciated that, can make various changes and amendment to the embodiments described herein, and can not deviate from scope and spirit of the present invention.Equally, for clarity and conciseness, in following description, omitted the description to known function and structure.
Fig. 1 is according to the schematic diagram of the computing machine relevant to on-line payment of the embodiment of the present invention.As shown in Figure 1, merchant server 11 is safeguarded by the trade company or the platform construction side that carry out ecommerce conventionally.Its major function is online commodity displaying to be provided and to accept user to user to place an order online.Paying server 12 safeguarded by the mechanism of exploitation on-line payment technology, between itself and merchant server 11 and bank server 13, communicates, and realizes safe, efficient on-line payment.Bank server is arranged on bank, is mainly user's bank account is operated.
Fig. 2 is according to the schematic diagram of the flow process of the on-line payment of the embodiment of the present invention.Below in conjunction with Fig. 2, this flow process is illustrated.
Active user signs in to by the user account of the own trade company an ecommerce after the merchant server of this trade company's maintenance, goods browse is provided on the webpage providing in merchant server and is chosen, and confirm to buy, the button that can indicate by clicking in the page printed words such as " confirming to buy " or " paying now " confirms to buy commodity.Merchant server can also first send identifying code to this user's mobile phone before this, and user filled in the identifying code in the note that own mobile phone receives before clicking above-mentioned button in the page.After above-mentioned button is clicked, now enter step S201.
Step S201: merchant server sends payment information to paying server.Active user's bank account and payment in payment information, are comprised.Bank account can be the number of credit card, debit card, bankbook of user etc.According to the payment regulation of bank, can also comprise one or more in the information such as CVV2 code, the term of validity of credit card of user's cell-phone number, identification card number, name, above-mentioned identifying code and credit card.
Step S202: payment information is transmitted to bank server by paying server.
Step S203: bank server is withholdd to user's bank account according to payment information.In the bank account of the user from payment information, deduct the payment in payment information.
Step S204: after withholing successfully, bank server sends announcement information to paying server.So far, the payment of this online shopping of active user completes.After this step, perform step successively S205 to step S207.
Step S205: paying server generates evidence for payment, and this evidence for payment is encrypted.In this evidence for payment, comprise bank account.Can generate according to the payment information of receiving in S201, therefore in evidence for payment, can also comprise other information in above-mentioned payment information.This evidence for payment only has paying server to decipher.
Step S206: evidence for payment is sent to merchant server by paying server.
Step S207: merchant server is the corresponding preservation of user name with active user by evidence for payment, binds with user name.The user name here refers to the user name using when active user signs in to merchant server.When this user carries out online shopping in this trade company again, start to carry out from step S208.
Step S208: merchant server is to paying server payment request.In this payment request, comprise this payment and above-mentioned evidence for payment.When this user carries out online shopping to this trade company again, sign in to the merchant server of this trade company, therefore the evidence for payment is here the evidence for payment of the merchant server user name corresponding to this user of preserving.
Step S209: paying server is decrypted and verification the evidence for payment in payment request, if verification by; generate the payment information of this this on-line payment of user.Shown in figure is the situation that verification is passed through.If verification is not passed through, can send information to merchant server.Payment information in this step is to generate according to the evidence for payment of this payment and deciphering, therefore in this payment information except payment, other guide is similar to the content of the payment information in step S201.
Step S210: payment information is transmitted to bank server by paying server.This payment information is the payment information generating in step S209.
Step S211: bank server is withholdd to user's bank account according to payment information.The processing mode that is bank server is constant.The result of withholing also will be notified paying server.
Fig. 3 is according to the schematic diagram of the main modular of the device of a kind of on-line payment of the embodiment of the present invention.The device of this on-line payment can be arranged in paying server.As shown in Figure 3, the device 30 of this on-line payment mainly comprises receiver module 31, encrypts sending module 32 and deciphering sending module 33.Active user's the payment information that receiver module 31 sends for receiving merchant server, is then transmitted to bank server.Encrypt sending module 32 for after this bank account being completed according to payment information at bank server and withholing, generate the evidence for payment of encrypting and then send to merchant server.And the payment request that receiver module 31 also sends for receiving merchant server, comprises this payment and this evidence for payment in this payment request.Deciphering sending module 33 is for this evidence for payment is decrypted and verification, verification by the situation that generate this on-line payment according to the evidence for payment after this payment and deciphering payment information then send to bank server.
Fig. 4 is according to the schematic diagram of the main modular of the device of the another kind of on-line payment of the embodiment of the present invention.The device of this on-line payment can be arranged in merchant server.As shown in Figure 4, the device 40 of this on-line payment mainly comprises sending module 41, evidence for payment receiver module 42 and preserves module 43.
Sending module 41, in the time that active user initiates on-line payment first, sends to paying server to be transmitted to bank server for paying server active user's payment information.Evidence for payment receiver module 42 is for after completing this bank account according to this payment information at bank server and withholing, and receives the evidence for payment of the encryption that paying server generates.Preserve module 43 for the corresponding preservation of user name with active user by this evidence for payment.Sending module 41 is also in the time that this active user initiates on-line payment again, and to paying server payment request, this payment request comprises this payment and the evidence for payment corresponding to active user's user name; Then the payment information that generates this on-line payment according to the evidence for payment after this payment and deciphering for paying server sends to bank server.
Object to the embodiment of the present invention and beneficial effect are analyzed below.According to the technical scheme of the embodiment of the present invention, because the information such as bank account are comprised in evidence for payment, and bind with the user name of this merchant server of login, so need to input the information such as bank account while shopping for the first time in this trade company, after this again do shopping without input bank account in this businessman.That is to say, the technical scheme of the embodiment of the present invention makes user have payment function in the user name of trade company.Like this, after user signs in to merchant server and confirms to pay, can complete payment without carrying out again other registers, greatly simplify user's operation.The personal information such as user's bank account are comprised in the evidence for payment of encryption, even if this evidence for payment is revealed, the personal information such as user's bank account also can not be stolen.For trade company, the user name that oneself offers user has had payment function, makes this user be more prone to again Lai Ben trade company and does shopping, and has increased user's viscosity.In payment process, user, without other means of payment of login, is to provide payment function by trade company In the view of user, has improved the fluency of user's shopping experience, has increased the good opinion of user to trade company.The in the situation that in course of payment, user being without other means of payment of login, user, without registration separately again, makes the user resources of trade company not leak and by drainage, contribute to protect the customer resources of trade company.
Ultimate principle of the present invention has below been described in conjunction with specific embodiments, but, it is to be noted, for those of ordinary skill in the art, can understand whole or any steps or the parts of method and apparatus of the present invention, can be in the network of any calculation element (comprising processor, storage medium etc.) or calculation element, realized with hardware, firmware, software or their combination, this is that those of ordinary skill in the art use their basic programming skill just can realize in the situation that having read explanation of the present invention.
Therefore, object of the present invention can also realize by move a program or batch processing on any calculation element.Described calculation element can be known fexible unit.Therefore, object of the present invention also can be only by providing the program product that comprises the program code of realizing described method or device to realize.That is to say, such program product also forms the present invention, and the storage medium that stores such program product also forms the present invention.Obviously, described storage medium can be any storage medium of developing in any known storage medium or future.
Also it is pointed out that in apparatus and method of the present invention, obviously, each parts or each step can decompose and/or reconfigure.These decomposition and/or reconfigure and should be considered as equivalents of the present invention.And, carry out the step of above-mentioned series of processes and can order naturally following the instructions carry out in chronological order, but do not need necessarily to carry out according to time sequencing.Some step can walk abreast or carry out independently of one another.
Above-mentioned embodiment, does not form limiting the scope of the invention.Those skilled in the art should be understood that, depend on designing requirement and other factors, various amendments, combination, sub-portfolio can occur and substitute.Any amendment of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection domain of the present invention.

Claims (4)

1. a method for on-line payment, is characterized in that, comprising:
In the time that active user initiates on-line payment first, paying server receives the active user's of merchant server transmission payment information, is then transmitted to bank server; In described payment information, comprise active user's bank account and payment; After described bank account being completed according to described payment information at bank server and withholing, paying server generates the evidence for payment of encrypting and then sends to merchant server; In described evidence for payment, comprise described bank account;
In the time that described active user initiates on-line payment again, paying server receives the payment request that merchant server sends, and comprises this payment and described evidence for payment in this payment request; Paying server is decrypted and verification this evidence for payment, verification by the situation that generate this on-line payment according to the evidence for payment after this payment and deciphering payment information then send to bank server.
2. a device for on-line payment, is characterized in that, comprise receiver module, encrypt sending module and deciphering sending module, wherein:
Described receiver module, active user's the payment information sending for receiving merchant server, is then transmitted to bank server; In described payment information, comprise active user's bank account and payment;
Described encryption sending module, for after described bank account being completed according to described payment information at bank server and withholing, generates the evidence for payment of encrypting and then sends to merchant server; In described evidence for payment, comprise described bank account;
The payment request that described receiver module also sends for receiving merchant server, comprises this payment and described evidence for payment in this payment request;
Described deciphering sending module, for described evidence for payment is decrypted and verification, verification by the situation that generate this on-line payment according to the evidence for payment after this payment and deciphering payment information then send to bank server.
3. a method for on-line payment, is characterized in that, comprising:
In the time that active user initiates on-line payment first, merchant server sends to paying server to be transmitted to bank server for paying server active user's payment information; In described payment information, comprise active user's bank account and payment; After described bank account being completed according to described payment information at bank server and withholing, merchant server receives the evidence for payment of the encryption that described paying server generates the corresponding preservation of user name with active user; In described evidence for payment, comprise described bank account;
In the time that described active user initiates on-line payment again, merchant server is to paying server payment request, and described payment request comprises this payment and the evidence for payment corresponding to described active user's user name; Then the payment information that generates this on-line payment according to the evidence for payment after this payment and deciphering for paying server sends to bank server.
4. a device for on-line payment, is characterized in that, comprise sending module, evidence for payment receiver module and preserve module, wherein:
Described sending module, in the time that active user initiates on-line payment first, sends to paying server to be transmitted to bank server for paying server active user's payment information; In described payment information, comprise active user's bank account and payment;
Described evidence for payment receiver module, for after described bank account being completed according to described payment information at bank server and withholing, receives the evidence for payment of the encryption that described paying server generates; In described evidence for payment, comprise described bank account;
Described preservation module, for the corresponding preservation of user name with described active user by described evidence for payment;
Described sending module is also in the time that described active user initiates on-line payment again, and to paying server payment request, described payment request comprises this payment and the evidence for payment corresponding to described active user's user name; Then the payment information that generates this on-line payment according to the evidence for payment after this payment and deciphering for paying server sends to bank server.
CN201410209878.6A 2014-05-16 2014-05-16 A kind of method and apparatus of on-line payment Active CN103996114B (en)

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WO2016173038A1 (en) * 2015-04-30 2016-11-03 深圳市银信网银科技有限公司 Payment system based on shared funds-management server, and method, device and server therefor
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CN109344581A (en) * 2018-08-06 2019-02-15 阿里巴巴集团控股有限公司 Method of calibration and device
CN110276645A (en) * 2019-06-25 2019-09-24 北京金山安全软件有限公司 Resource processing method and device based on electronic map and electronic equipment
CN111210226A (en) * 2020-01-13 2020-05-29 网银在线(北京)科技有限公司 Data processing method, device, system and medium applied to payment platform
CN111210226B (en) * 2020-01-13 2024-02-06 网银在线(北京)科技有限公司 Data processing method, device, system and medium applied to payment platform

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