CN103996114B - A kind of method and apparatus of on-line payment - Google Patents
A kind of method and apparatus of on-line payment Download PDFInfo
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- CN103996114B CN103996114B CN201410209878.6A CN201410209878A CN103996114B CN 103996114 B CN103996114 B CN 103996114B CN 201410209878 A CN201410209878 A CN 201410209878A CN 103996114 B CN103996114 B CN 103996114B
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- payment
- server
- evidence
- bank
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
Abstract
The present invention provides a kind of method and apparatus of on-line payment, delivery operation when main purpose is simplified user's online shopping.In a kind of method of on-line payment of the present invention, when active user initiates on-line payment first, paying server receives the payment information for the active user that merchant server is sent, and is then forwarded to bank server；After bank server completes to withhold according to payment information to bank account, paying server generation evidence for payment is then sent to merchant server；When active user initiates on-line payment again, paying server receives the payment request that merchant server is sent, and bank server is then sent to according to the payment information that this payment and evidence for payment generate this on-line payment.
Description
Technical field
The present invention relates to a kind of method and apparatus of on-line payment.
Background technology
With the development of ecommerce, on-line payment turns into the increasingly common means of payment.User is online to commercial affairs
Commodity are selected when website is browsed, on-line payment is carried out in the case where determining purchase.Now merchant server will pay the bill golden
The information such as volume are sent to Third-party payment mechanism or bank, after user is using the Account Logon of oneself Third-party payment mechanism
Paid, or then the Web bank of the User logs in bank pays.
The content of the invention
The present invention provides a kind of method and apparatus of on-line payment, payment when main purpose is simplified user's online shopping
Operation.
To achieve the above object, according to an aspect of the invention, there is provided a kind of method and apparatus of on-line payment.
The method of this on-line payment of the present invention includes：When active user initiates on-line payment first, payment services
Device receives the payment information for the active user that merchant server is sent, and is then forwarded to bank server；In the payment information
Bank account and payment comprising active user；It is complete to the bank account according to the payment information in bank server
Into after withholing, the evidence for payment of paying server generation encryption is then sent to merchant server；Included in the evidence for payment
The bank account；When the active user initiates on-line payment again, paying server receives what merchant server was sent
This payment and the evidence for payment are included in payment request, the payment request；Paying server enters to the evidence for payment
Row decryption and verification, it is online generating this according to the evidence for payment after this payment and decryption in the case that verification passes through
The payment information of payment is then sent to bank server.
There is provided a kind of device of on-line payment according to another aspect of the present invention.
The device of this on-line payment of the present invention includes receiving module, encryption sending module and decryption sending module,
Wherein：The receiving module, the payment information of the active user for receiving merchant server transmission, is then forwarded to bank's clothes
Business device；The bank account and payment of active user is included in the payment information；The encryption sending module, in silver
Row server is completed after withholing according to the payment information to the bank account, and the evidence for payment of generation encryption is then sent to
Merchant server；The bank account is included in the evidence for payment；The receiving module is additionally operable to receive merchant server hair
This payment and the evidence for payment are included in the payment request sent, the payment request；The decryption sending module, is used for
The evidence for payment is decrypted and verified, verification pass through in the case of according to this payment and decryption after payment
The payment information that voucher generates this on-line payment is then sent to bank server.
There is provided the method for another on-line payment according to another aspect of the invention.
The method of this on-line payment of the present invention includes：When active user initiates on-line payment first, merchant
The payment information of active user is sent to paying server so that paying server is transmitted to bank server by device；It is described to pay
The bank account and payment of active user is included in information；In bank server according to the payment information to the bank
Account is completed after withholing, and merchant server receives the evidence for payment of the encryption of the paying server generation and with active user's
User name correspondence is preserved；The bank account is included in the evidence for payment；On-line payment is initiated again in the active user
When, merchant server is asked to paying server Sending Payments, and the payment request is comprising this payment and corresponding to institute
State the evidence for payment of the user name of active user；So that paying server is according to the evidence for payment after this payment and decryption
The payment information for generating this on-line payment is then sent to bank server.
There is provided the device of another on-line payment according to another aspect of the invention.
The device of this on-line payment of the present invention includes sending module, evidence for payment receiving module and preserving module,
Wherein：The sending module, for when active user initiates on-line payment first, the payment information of active user to be sent to
Paying server is transmitted to bank server for paying server；The bank account of active user is included in the payment information
And payment；The evidence for payment receiving module, in bank server according to the payment information to bank's account
Family is completed after withholing, and receives the evidence for payment of the encryption of the paying server generation；The silver is included in the evidence for payment
Row account；The preserving module, for by the evidence for payment it is corresponding with the user name of the active user preserve；It is described to send
Module is additionally operable to when the active user initiates on-line payment again, is asked to paying server Sending Payments, the payment
Evidence for payment of the request bag containing this payment and the user name corresponding to the active user；For paying server according to
The payment information that evidence for payment after this payment and decryption generates this on-line payment is then sent to bank server.
Technique according to the invention scheme, after user pays successfully for the first time, merchant server will include user bank
The evidence for payment of the encryption of account is bound with user name, and evidence for payment is supplied to paying server, nothing by next user when paying
User is needed to carry out other logins, so that delivery operation when simplifying user's online shopping.Other objects of the present invention, advantage will
It is illustrated in conjunction with the embodiments.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not constitute inappropriate limitation of the present invention.Wherein：
Fig. 1 is the schematic diagram of the computer related to on-line payment according to embodiments of the present invention；
Fig. 2 is the schematic diagram of the flow of on-line payment according to embodiments of the present invention；
Fig. 3 is a kind of schematic diagram of the main modular of the device of on-line payment according to embodiments of the present invention；
Fig. 4 is the schematic diagram of the main modular of the device of another on-line payment according to embodiments of the present invention.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
Arrive, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
Sample, for clarity and conciseness, eliminates the description to known function and structure in following description.
Fig. 1 is the schematic diagram of the computer related to on-line payment according to embodiments of the present invention.As shown in figure 1, trade company
Server 11 is generally safeguarded by the trade company or platform construction side of development ecommerce.Its major function is to provide a user
The merchandise display of line simultaneously receives user and placed an order online.Paying server 12 by exploitation on-line payment technology facility maintenance, its with
Communicated between merchant server 11 and bank server 13, realize safe, efficient on-line payment.Bank server is set
Put in bank, mainly the bank account to user is operated.
Fig. 2 is the schematic diagram of the flow of on-line payment according to embodiments of the present invention.The flow is subject to below in conjunction with Fig. 2
Explanation.
Active user signs in the trade company that the trade company safeguards by oneself in the user account of the trade company of an ecommerce
After server, goods browse is carried out on the webpage that merchant server is provided and is chosen, and confirm purchase, can be by clicking on page
The button of the printed words such as " confirming purchase " or " paying now " is indicated in face to confirm to buy commodity.Merchant server is also before this
Identifying code first can be sent to the mobile phone of the user, user fills in oneself mobile phone before above-mentioned button is clicked in the page and received
Short message in identifying code.Now enter step S201 after above-mentioned button is clicked.
Step S201：Merchant server sends payment information to paying server.Active user is contained in payment information
Bank account and payment.Bank account can be the number of the credit card, debit card, bankbook of user etc..According to bank
Payment regulation, the CVV2 of the cell-phone number of user, identification card number, name, above-mentioned identifying code and credit card can also be included
One or more in the information such as code, the term of validity of credit card.
Step S202：Payment information is transmitted to bank server by paying server.
Step S203：Bank server is withholdd according to payment information to user's bank account.I.e. from payment information
User bank account in deduct payment information in payment.
Step S204：After withholing successfully, bank server sends announcement information to paying server.So far, active user
The payment of this online shopping has been completed.Step S205 is performed after this step successively to step S207.
Step S205：Paying server generates evidence for payment, and the evidence for payment is encrypted.Silver is included in the evidence for payment
Row account.It can be generated according to the payment information received in S201, therefore above-mentioned disbursement letter can also be included in evidence for payment
Other information in breath.The evidence for payment only has paying server to decrypt.
Step S206：Evidence for payment is sent to merchant server by paying server.
Step S207：Merchant server ties up evidence for payment preservation corresponding with the user name of active user with user name
It is fixed.Here user name refers to that active user signs in the user name used during merchant server.When the user is again in the business
Family carries out online shopping, is performed since step S208.
Step S208：Merchant server is asked to paying server Sending Payments.Paid in the payment request comprising this
The amount of money and above-mentioned evidence for payment.When the user arrives trade company progress online shopping again, the merchant of the trade company is signed in
Device, therefore evidence for payment here is the evidence for payment for the user name corresponding to the user that merchant server is preserved.
Step S209：Paying server is decrypted and verified to the evidence for payment in payment request, if verification passes through
Then generate the payment information of this on-line payment of the user.The situation that verification passes through is shown in the figure.If verification does not pass through,
Prompt message can be sent to merchant server.Payment information in this step is the payment according to this payment and decryption
Voucher is generated, therefore in the payment information in addition to payment, other guide is similar to the payment information in step S201
Content.
Step S210：Payment information is transmitted to bank server by paying server.The payment information is in step S209
The payment information of generation.
Step S211：Bank server is withholdd according to payment information to user's bank account.That is bank server
Processing mode is constant.Result of withholing will also notify paying server.
Fig. 3 is a kind of schematic diagram of the main modular of the device of on-line payment according to embodiments of the present invention.This is propped up online
The device paid can be arranged in paying server.As shown in figure 3, the device 30 of the on-line payment mainly includes receiving module
31st, encryption sending module 32 and decryption sending module 33.Receiving module 31 is used for the current use for receiving merchant server transmission
The payment information at family, is then forwarded to bank server.Encrypting sending module 32 is used in bank server according to payment information
The bank account is completed after withholing, the evidence for payment of generation encryption is then sent to merchant server.And receiving module 31
It is additionally operable to receive in the payment request that merchant server is sent, the payment request and includes this payment and the evidence for payment.
Decryption sending module 33 is used to the evidence for payment is decrypted and verified, in the case where verification passes through according to this payment gold
The payment information that evidence for payment after volume and decryption generates this on-line payment is then sent to bank server.
Fig. 4 is the schematic diagram of the main modular of the device of another on-line payment according to embodiments of the present invention.This is online
The device of payment can be arranged in merchant server.As shown in figure 4, the device 40 of the on-line payment mainly includes sending module
41st, evidence for payment receiving module 42 and preserving module 43.
Sending module 41 is used for when active user initiates on-line payment first, and the payment information of active user is sent to
Paying server is transmitted to bank server for paying server.Evidence for payment receiving module 42 is used in bank server root
The bank account is completed after withholing according to the payment information, the evidence for payment of the encryption of paying server generation is received.Preserve mould
Block 43 is used for evidence for payment preservation corresponding with the user name of active user.Sending module 41 is additionally operable in this prior that user is again
During secondary initiation on-line payment, asked to paying server Sending Payments, the payment request is comprising this payment and corresponds to
The evidence for payment of the user name of active user；So that paying server is given birth to according to the evidence for payment after this payment and decryption
Payment information into this on-line payment is then sent to bank server.
The purpose and beneficial effect to the embodiment of the present invention are analyzed below.Technical side according to embodiments of the present invention
Case, because the information such as bank account is comprised in evidence for payment, and is carried out with the user name that logs in the merchant server
Binding, then needs the input information such as bank account when the trade company does shopping for the first time, in businessman's shopping is again hereafter nothing
Bank account need to be inputted.That is, the technical scheme of the embodiment of the present invention makes user be provided with payment in the user name of trade company
Function.So, in User logs in merchant server and after confirming payment, it can be completed without carrying out other registers again
Pay, greatly simplify user's operation.The personal information such as the bank account of user are comprised in the evidence for payment of encryption, even if
The evidence for payment is revealed, and the personal information such as user's bank account will not also be stolen.For trade company, oneself is supplied to user
User name be provided with payment function, make the user be more likely to come this trade company again to be done shopping, add the viscosity of user.
In payment process, user need not log in other means of payment, appeared to be in user and provide payment function by trade company, improved
The fluency of the purchase experiences of user, adds good opinion of the user to trade company.User need not log in other branch in course of payment
In the case of the instrument of paying, user makes the user resources of trade company not leak and by drainage without separately registering again, helps to protect business
The customer resources at family.
The general principle of the present invention is described above in association with specific embodiment, however, it is desirable to, it is noted that to this area
For those of ordinary skill, it is to be understood that the whole or any steps or part of the process and apparatus of the present invention, Ke Yi
In any computing device (including processor, storage medium etc.) or the network of computing device, with hardware, firmware, software or
Combinations thereof is realized that this is that those of ordinary skill in the art use them in the case where having read the explanation of the present invention
Basic programming skill can be achieved with.
Therefore, the purpose of the present invention can also by run on any computing device a program or batch processing come
Realize.The computing device can be known fexible unit.Therefore, the purpose of the present invention can also be included only by offer
Realize that the program product of the program code of methods described or device is realized.That is, such program product is also constituted
The present invention, and the storage medium for such program product that is stored with also constitutes the present invention.Obviously, the storage medium can be
Any known storage medium or any storage medium developed in the future.
It may also be noted that in apparatus and method of the present invention, it is clear that each part or each step are to decompose
And/or reconfigure.These decompose and/or reconfigured the equivalents that should be regarded as the present invention.Also, perform above-mentioned series
The step of processing can order naturally following the instructions perform in chronological order, but and need not necessarily sequentially in time
Perform.Some steps can be performed parallel or independently of one another.
Above-mentioned embodiment, does not constitute limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, can occur various modifications, combination, sub-portfolio and replacement.It is any
Modifications, equivalent substitutions and improvements made within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (4)
1. a kind of method of on-line payment, it is characterised in that including：
When active user initiates on-line payment first, paying server receives the payment for the active user that merchant server is sent
Information, is then forwarded to bank server；The bank account and payment of active user is included in the payment information；In silver
Row server is completed after withholing according to the payment information to the bank account, the evidence for payment of paying server generation encryption
It is then sent to merchant server；The bank account is included in the evidence for payment；
When the active user initiates on-line payment again, paying server receives the payment request that merchant server is sent,
This payment and the evidence for payment are included in the payment request；Paying server the evidence for payment is decrypted and school
Test, generating the payment of this on-line payment in the case that verification passes through according to the evidence for payment after this payment and decryption
Information is then sent to bank server.
2. a kind of device of on-line payment, it is characterised in that send mould including receiving module, encryption sending module and decryption
Block, wherein：
The receiving module, the payment information of the active user for receiving merchant server transmission, is then forwarded to bank's clothes
Business device；The bank account and payment of active user is included in the payment information；
The encryption sending module, for being completed to withhold to the bank account according to the payment information in bank server
Afterwards, the evidence for payment of generation encryption is then sent to merchant server；The bank account is included in the evidence for payment；
The receiving module is additionally operable to receive in the payment request that merchant server is sent, the payment request comprising this payment gold
Volume and the evidence for payment；
The decryption sending module, for the evidence for payment to be decrypted and verified, the basis in the case where verification passes through
The payment information that evidence for payment after this payment and decryption generates this on-line payment is then sent to bank server.
3. a kind of method of on-line payment, it is characterised in that including：
When active user initiates on-line payment first, the payment information of active user is sent to payment services by merchant server
Device is transmitted to bank server for paying server；Bank account comprising active user and payment gold in the payment information
Volume；After bank server completes to withhold according to the payment information to the bank account, merchant server receives the branch
The evidence for payment of the encryption of pay server generation and preservation corresponding with the user name of active user；Institute is included in the evidence for payment
State bank account；
When the active user initiates on-line payment again, merchant server is asked to paying server Sending Payments, described
Evidence for payment of the payment request comprising this payment and the user name corresponding to the active user；For paying server
The payment information for generating this on-line payment according to the evidence for payment after this payment and decryption is then sent to bank's clothes
Business device.
4. a kind of device of on-line payment, it is characterised in that including sending module, evidence for payment receiving module and preservation mould
Block, wherein：
The sending module, for when active user initiates on-line payment first, the payment information of active user to be sent to
Paying server is transmitted to bank server for paying server；The bank account of active user is included in the payment information
And payment；
The evidence for payment receiving module, for being completed to detain to the bank account according to the payment information in bank server
After money, the evidence for payment of the encryption of the paying server generation is received；The bank account is included in the evidence for payment；
The preserving module, for by the evidence for payment it is corresponding with the user name of the active user preserve；
The sending module is additionally operable to when the active user initiates on-line payment again, please to paying server Sending Payments
Ask, evidence for payment of the payment request comprising this payment and the user name corresponding to the active user；For branch
Pay server generates the payment information of this on-line payment according to the evidence for payment after this payment and decryption and then sent
To bank server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410209878.6A CN103996114B (en) | 2014-05-16 | 2014-05-16 | A kind of method and apparatus of on-line payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410209878.6A CN103996114B (en) | 2014-05-16 | 2014-05-16 | A kind of method and apparatus of on-line payment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103996114A CN103996114A (en) | 2014-08-20 |
| CN103996114B true CN103996114B (en) | 2017-10-20 |
Family
ID=51310273
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410209878.6A Active CN103996114B (en) | 2014-05-16 | 2014-05-16 | A kind of method and apparatus of on-line payment |
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Families Citing this family (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106203973A (en) * | 2015-04-30 | 2016-12-07 | 深圳市银信网银科技有限公司 | Based on across the payment system of fund server and method of payment, device and server |
| CN106204008A (en) * | 2015-04-30 | 2016-12-07 | 深圳市银信网银科技有限公司 | Payment system based on same fund server and method of payment, device and server |
| WO2017012036A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Electronic certificate payment method, system and device |
| WO2017012053A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Method, device, and system for receiving certificate |
| CN113947396A (en) * | 2015-12-30 | 2022-01-18 | 创新先进技术有限公司 | Credit card payment request processing method and device |
| CN108171492B (en) | 2018-01-12 | 2020-10-16 | 阿里巴巴集团控股有限公司 | Payment method, device and equipment |
| CN108805540B (en) * | 2018-05-04 | 2021-10-29 | 中电信用服务有限公司 | Payment processing system, method and digital object identifier |
| CN109344581B (en) * | 2018-08-06 | 2022-04-12 | 创新先进技术有限公司 | Verification method 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 |
| 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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| CN103996114A (en) | 2014-08-20 |
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