CN104813347A - A method and a system for network payment - Google Patents
A method and a system for network payment Download PDFInfo
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- CN104813347A CN104813347A CN201480003088.0A CN201480003088A CN104813347A CN 104813347 A CN104813347 A CN 104813347A CN 201480003088 A CN201480003088 A CN 201480003088A CN 104813347 A CN104813347 A CN 104813347A
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- G06Q20/00—Payment architectures, schemes or protocols
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- G06Q30/00—Commerce
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
The present invention provides a method and a system for network payment, wherein the method for network payment includes steps of: a first type of user terminal sending an application request to a network payment server for applying committed payment information data package; the network payment server generating a temporary committed payment information data package based on the application request; a first type of bank server verifying the temporary payment information package; the first user terminal determining whether to suspend paying; if the paying is to be suspended, the first type of user terminal filing a decision application at an authorized institution and sending an application for prolonged paying to the network payment server; if the paying is to be ceased, the first type bank server notifying the network payment server about the ineffectiveness of the committed payment information package and the network payment server unfreezing the capital. The method and the system of the present invention is capable of reducing capital risks and guaranteeing interests of payers.
Description
Technical field
The invention belongs to technical field of electronic commerce, particularly relate to a kind of method of network payment and system.
Background technology
Ecommerce has been applied in various commerce and trade activity more and more widely, so-called ecommerce refers in commerce and trade activity, under the network environment that the Internet is open, based on browser and server application mode, realize online transaction between the shopping online of consumer, trade company and online pay by mails and various commercial activity, transaction, finance activities and relevant integrated service activity a kind of commercial operation pattern.
Current online E-Payment (network payment) mode mainly comprises bank net and pays (containing Credit Card Payments) and Third-party payment two kinds.Their the online payment general flow based on Internet platform is as follows:
1) paying party (client, the buyer) is at online browsing commodity, select goods, fill in network order, the network payment means of account settlement of selective gist, and obtain licensing of bank, as bank card, stored value card, electronic cash, eCheck or Internet bank's account number etc.
2) client is encrypted, at Submitted online order associated order information (as payment information).The ordering information of business server to client checks, confirms, and relevant, be transmitted to payment gateway through client's payment information of encryption, until bank's Batch Processing server of bank's dedicated network confirms, to the mandate obtaining disbursing funds from electronic money issuer checkings such as banks.
3), after bank validation confirms, by the encrypted communication channel via payment gateway set up, to business server loopback confirmation and payment and settlement information, be further safety, to paying party loopback payment authorization request (also can not having).
4) after bank obtains the further mandate settlement information that paying party transmits, fund is transferred in the merchant bank account number of carrying out ecommerce from paying party account number, settle accounts by financial private, and give businessman, paying party transmission payment and settlement successful information respectively.
5), after business server receives the clearing successful information that bank sends, network successful payment information and shipping order is sent to paying party.So far, once typical network payment settlement process terminates.Businessman and client can respectively by the balance of funding information of network inquiry oneself, to check further.
As can be seen from above flow process, the credit bottleneck in the online settlement process paying (network payment) by mails is the dyskinetic problem in e-commerce development process all the time.In current online electronic payment mode, be that risk is less with the form of Third-party payment corporate surety.But, adopt the form of Third-party payment corporate surety, concerning paying party (paying party) client, when not receiving commodity, its fund just pays Third-party payment company, once Third-party payment company problems, the fund of paying party client just can not get ensureing, therefore, adopt the form of Third-party payment corporate surety, the financial risks of paying party client remain larger.
Therefore, a kind of method of network payment and system of improvement is needed.
Summary of the invention
The object of the present invention is to provide a kind of method of network payment and system, be intended to solve during existing network pays the problem that the financial risks of the paying party client existed are larger.
The present invention is achieved in that a kind of method of network payment, be applied in network payment system, described network payment system comprises first kind bank server, first kind client terminal, Second Type bank server, Second Type client terminal, logistics service device and network payment server, and described method of network payment comprises the following steps: described first kind client terminal sends application information to described network payment server to apply for promising to undertake the step of payment information packet; Described network payment server generates according to the described application information that described first kind client terminal sends and promises to undertake payment information packet temporarily, and by described interim promise payment information Packet Generation to the step of described first kind bank server; Described first kind bank server receives the interim promise payment information data that described network payment server sends, and to the step that described interim promise payment information packet verifies; If verification succeeds, described first kind bank server generates according to described interim promise payment information packet and promises to undertake payment information packet, and carries out freezing of funds, freezing of funds information is sent to the step of described Second Type bank server; Described first kind client terminal determines whether the step that termination fund solution is paid; If needing to stop to separate pays, described first kind client terminal proposes ruling application to public rights office and sends to described network payment server to separate the step that the phase of paying extends application; And if need to stop separating to pay, described first kind bank server notifies about described promise payment information packet, described network payment server lost efficacy that described network payment server was thawed the step of fund.
More preferably, described first kind client terminal proposes ruling application to public rights office and the step extending application to the described network payment server transmission solution phase of paying also comprises: described network payment server is after the described solution receiving the transmission of described first kind client terminal pays phase prolongation application, and the solution extending fund pays the step of phase; And described first kind bank server receives from described public rights office the step that ruling accepts notice and ruling result.
More preferably, described first kind bank server notifies about described promise payment information packet, described network payment server lost efficacy that the thaw step of fund of described network payment server was also comprised: fund information of thawing, after receive the notice lost efficacy about described promise payment information packet from described first kind bank server, is sent to the step of described first kind bank server by described network payment server; And described first kind bank server is after fund information of thawing described in receiving from described network payment server, the step of the fund associated with described first kind client terminal of thawing.
More preferably, described method of network payment is further comprising the steps of: described Second Type bank server receives the described freezing of funds information that described first kind bank server sends, and described freezing of funds information is sent to the step of described Second Type client terminal; And described Second Type client terminal receive the described freezing of funds information that described Second Type bank server sends after generate can Shipping Information, and to described logistics service device send described can the step of Shipping Information.
More preferably, described method of network payment is further comprising the steps of: described logistics service device receives described that described Second Type client terminal sends after Shipping Information, can carry out delivery operation, and shipped information is sent to the step of described network payment server.
More preferably, described method of network payment is further comprising the steps of: described shipped information is sent to the step of described first kind bank server after receiving the described shipped information of described logistics service device transmission by described network payment server.
More preferably, described method of network payment is further comprising the steps of: after commodity are signed for, and information of signing for is sent to the step of described network payment server by described logistics service device.
More preferably, described method of network payment is further comprising the steps of: described network payment server receive described logistics service device send described in sign for information after, information of signing for is sent to the step of described first kind bank server.
More preferably, described method of network payment is further comprising the steps of: after signing for information described in described first kind bank server receives, to the step of described network payment server payment request key information; Described network payment server preserves described payment request key information, and described payment request key information is sent to the step of described Second Type client terminal; Described Second Type client terminal receives the described payment request key information that described network payment server sends, and payment request key information described in this is sent to the step of described Second Type bank server; And described Second Type bank server generates payment request information according to described payment request key information, and described payment request information is sent to the step of described first kind bank server.
More preferably, described method of network payment is further comprising the steps of: described first kind bank server receives the payment request information that described Second Type bank server sends, and veritify the accuracy of the payment request key information in described payment request information, as correct in veritified, then carry out payment operation to paying party bank, and by the information feed back of having paid the bill to the step of described Second Type bank server.
Present invention also offers a kind of network payment system, comprise: first kind bank server, first kind client terminal, Second Type bank server, Second Type client terminal, logistics service device and network payment server, wherein: described first kind client terminal, be applicable to paying party client, with described first kind bank server, described logistics service device and described network payment server are connected, application information is sent to described network payment server to apply for promising to undertake payment information packet according to the instruction of paying party client, and during payment process, determine that termination fund solution is paid, if needing to stop to separate pays, described first kind client terminal proposes ruling application to public rights office and extends application to the described network payment server transmission solution phase of paying, described network payment server, be connected to described first kind client terminal, described first kind bank server, described Second Type client terminal and described logistics service device, according to the described application information that described first kind client terminal sends over, generate interim promise payment information packet, and by described interim promise payment information Packet Generation to described first kind bank server, described first kind bank server is applicable to paying party bank, with described first kind client terminal, described Second Type bank server and described network payment server are connected, after receiving the described interim promise payment information packet of described network payment server transmission, described interim promise payment information packet is verified, if verification succeeds, described first kind bank server generates according to described interim promise payment information packet and promises to undertake payment information packet, and carry out freezing of funds, freezing of funds information is sent to described Second Type bank server, and if needing to stop separating during payment process pays, described first kind bank server notifies about described promise payment information packet, described network payment server lost efficacy that described network payment server was thawed fund, described Second Type bank server, be applicable to beneficiary bank, be connected with described first kind bank server and described Second Type client terminal, receive the described freezing of funds information that described first kind bank server sends, and described freezing of funds information is sent to described Second Type client terminal, described Second Type client terminal is applicable to beneficiary client, be connected with described Second Type bank server, described logistics service device and described network payment server, generating after receiving the described freezing of funds information that described Second Type bank server sends can Shipping Information, Shipping Information can be sent to logistics service device application delivery by described, and described logistics service device, be applicable to loglstics enterprise, be connected with described first kind client terminal, described Second Type client terminal and described network payment server, receiving described that described Second Type client terminal sends can after Shipping Information, carry out delivery operation, and shipped information is sent to described network payment server.
More preferably, described network payment server receive described solution phase of paying that described first kind client terminal sends extend application after extend fund solution pay the phase, and described first kind bank server receives ruling from described public rights office accepts notice and ruling result.
More preferably, described network payment server is after receiving the notice lost efficacy about described promise payment information packet from described first kind bank server, fund of thawing information is sent to described first kind bank server; And described first kind bank server is after fund information of thawing described in receiving from described network payment server, the fund associated with described first kind client terminal of thawing.
More preferably, described network payment server also receive described logistics service device send described in sign for information after described information of having signed for is sent to described first kind bank server, and preserve described payment request key information after the payment request key information receiving the transmission of described first kind bank server, and described payment request key information is delivered to described Second Type client terminal.
More preferably, described payment request key information is sent to described Second Type bank server after receiving the described payment request key information of described network payment server transmission by described Second Type client terminal.
More preferably, described Second Type bank server also generates described payment request information after the described payment request key information receiving the transmission of described Second Type client terminal, described payment request information is sent to described first kind bank server, and after the information of having paid the bill receiving the transmission of described first kind bank server, carry out payment operation to beneficiary client.
More preferably, described first kind bank server is also after signing for information described in receiving, described payment request key information is sent to described network payment server, and carry out payment operation to paying party bank after the described payment request information receiving the transmission of described Second Type bank server, and the information feed back that will have paid the bill is to described Second Type bank server.
More preferably, described information of having signed for, also after paying party client signs for, is sent to described network payment server and described Second Type client terminal by described logistics service device.
Utilize method of network payment provided by the invention and system, for paying party client, be only that fund is freezed, do not need payment funding to go out, can financial risks be reduced, ensure the interests of paying party client.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, to those skilled in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the structural representation of the network payment system that one embodiment of the invention provides.
Fig. 2 A-2C is the process flow diagram of the method for network payment that one embodiment of the invention provides.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
Refer to Fig. 1, Fig. 1 is the structural representation of the network payment system 100 that the embodiment of the present invention provides.As shown in Figure 1, network payment system 100 comprises first kind bank server 110, first kind client terminal 111, Second Type bank server 120, Second Type client terminal 121, logistics service device 130 and network payment server 150.
First kind client terminal 111 is applicable to paying party client, it is connected with first kind bank server 110, logistics service device 130 and network payment server 150, when paying party client determines to buy commodity, application information is sent to network payment server 150 to apply for promising to undertake payment information packet (such as according to the instruction of paying party client, bank credit voucher), wherein application information comprises: paying party bank, Payment Amount and payment Currency Type information.First kind client terminal 111 also, after receiving and paying prompting from the solution of Second Type client terminal 121, according to circumstances determines whether that termination fund solution is paid.Pay if do not stop to separate, then network payment server 150 carries out fund clearing, and fund proceeds to the account associated with Second Type client terminal immediately.In addition, pay (such as if stop to separate, paying party client raises an objection to this transaction), then first kind client terminal 111 proposes ruling application to public rights office (not shown) and extends application to the network payment server 150 transmission solution phase of paying to pay the phase with the pre-solution making network payment server 150 extend fund.
Network payment server 150 is connected to first kind client terminal 111, first kind bank server 110, Second Type client terminal 121 and logistics service device 130, according to the application information that first kind client terminal 111 sends over, generate interim promise payment information packet, and this is promised to undertake payment information Packet Generation is to first kind bank server 110 temporarily.Network payment server 150 also receive logistics service device 130 sign for information after information of signing for is sent to first kind bank server 110, and after the payment request key information receiving first kind bank server 110 transmission, preserve this payment request key information and send it to Second Type client terminal 121, wherein, payment request key is the password removing blocked funds.The solution that network payment server 150 also extends funds associated therewith after the solution the receiving first kind client terminal 111 transmission phase of paying extends application pays the phase.Network payment server 150 is also after receiving the notice lost efficacy about promise payment information packet (such as, bank credit voucher) from first kind bank server 110, fund of thawing information is sent to first kind bank server 110.
First kind bank server 110 is applicable to paying party bank, itself and first kind client terminal 111, Second Type bank server 120 and network payment server 150 are connected, after receiving the interim promise payment information packet of network payment server 150 transmission, this is promised to undertake that payment information packet verifies temporarily, if verification succeeds (namely, this promises to undertake that the information of payment information packet is legal temporarily), then representing authorizes successfully, according to interim, first kind bank server 110 promises to undertake that payment information packet generates promise payment information packet (such as, bank credit voucher), and carry out freezing of funds, freezing of funds information is sent to Second Type bank server 120, if verified unsuccessfully (that is, this promises to undertake that the information of payment information packet is illegal) temporarily, then exclude information is fed back to first kind client terminal 111 and network payment server 150.First kind bank server 110 is also after receiving and signing for information, to network payment server 150 payment request key information, and carry out payment operation to paying party bank receiving the rear of payment request information that Second Type bank server 120 sends, and by the information feed back of having paid the bill to Second Type bank server 120.After public rights office (not shown) receives the ruling application from first kind client terminal 111, first kind bank server 110 also receives ruling from public rights office (not shown) and accepts notice and ruling result.If ruling result is paid for continuing to separate, then network payment server 150 carries out fund clearing, and fund proceeds to the account associated with Second Type client terminal immediately.If ruling result is paid for stopping separating, then first kind bank server 110 informing network paying server 150 lost efficacy about promise payment information packet (such as, bank credit voucher).In addition, promise to undertake that payment information packet (such as, bank credit voucher) also can not received card, exceeded the time limit and do not honour an agreement, exceed the time limit and do not point out reasons and losing efficacy such as separating pair owing to exceeding the time limit.First kind bank server 110 also after receiving from network payment server 150 fund information of thawing, the fund associated with first kind client terminal 111 of thawing.
Second Type client terminal 121 is applicable to beneficiary client, itself and Second Type bank server 120, logistics service device 130 and network payment server 150 are connected, Second Type client terminal 121 generate after receiving the freezing of funds information that Second Type bank server 120 sends can Shipping Information (simultaneously successively to network payment server 150, first kind bank server 110, submit to separate with first kind client terminal 111 and pay prompting), by this can Shipping Information be sent to logistics service device 130 apply for delivery, and after the payment request key information receiving network payment server 150 transmission, this payment request key information is sent to Second Type bank server 120.
Second Type bank server 120, be applicable to beneficiary bank, it is connected with first kind bank server 110 and Second Type client terminal 121, receive the freezing of funds information that first kind bank server 110 sends, and this freezing of funds information is sent to Second Type client terminal 121.Second Type bank server 120 also generates payment request information after the payment request key information receiving Second Type client terminal 121 transmission, payment request information is sent to first kind bank server 110, and after the information of having paid the bill receiving first kind bank server 110 transmission, carry out payment operation to beneficiary client.
Logistics service device 130, be applicable to loglstics enterprise, it is connected with first kind client terminal 111, Second Type client terminal 121 and network payment server 150, it can after Shipping Information what receive that Second Type client terminal 121 sends, carry out delivery operation, and shipped information is sent to network payment server 150.Information of signing for, also after paying party client signs for, is sent to network payment server 150 and Second Type client terminal 121 by logistics service device 130.
By above to description embodiment illustrated in fig. 1, those skilled in the art should know, and first kind client terminal 111 and Second Type client terminal 121 can be integrated on same client device, such as, on mobile phone, computer, PDA or POS terminal machine; Similarly, first kind bank server 110 and Second Type bank server 120 also accessible site on same bank end equipment; Paying party bank and beneficiary bank can be same banks.
In above payment process, network payment server 150 plays very crucial effect.Network payment server 150 is electronic payment platform based on bank's level credit (such as, bank credit voucher) and instrument.Bank credit voucher is a kind of internet blaze new trails on financial means of guaranteeing payment with bank credit.Advantageously, bank credit voucher demonstrate,proves central principle according to external credit, gather the advantage of many financial products such as cashier's cheque, letter of guarantee, acceptance bill, electronic credit card, again in conjunction with internet science and technology, adapt to and meet the brand-new financial instrument of internet economy Times ' Demand completely, possess the broad applicability of cross-platform, cross-bank, full field, whole scene application.Particularly, the function of bank credit voucher can comprise open L/C, receive card, submit to honour an agreement information, submit to separate pay an information, stop separate pay, trigger separate pay and separate pay etc.
Bank credit voucher, by the difference according to Object of Transaction characteristic, provides the bank credit voucher product standard of different series, wherein mainly comprises following several:
1) series 1: mainly for Object of Transaction without the need to passing through transport in kind and achievable transaction, i.e. all kinds of non-commodity transaction in kind.Particularly, serial 1 temporary CP300 replaces;
2) series 2.Need by the achievable transaction in material object transport side mainly for Object of Transaction, i.e. all kinds of physical goods transaction.Particularly, serial 1 temporary CP500 replaces.(such as: electronic apparatus, clothes general merchandise ... transaction Deng relevant);
3) series 3.The transaction confirmed by relevant public rights mechanism is needed, i.e. all kinds of specialty goods transaction mainly for Object of Transaction.Particularly, serial 1 temporary CP700 replaces.(such as: real estate, automobile share exchange ... transaction Deng relevant).
Although note that exemplified here is describe in conjunction with bank credit voucher, those skilled in the art are to be understood that also can use and realize the present invention based on other electronic payment platform of bank's level credit and instrument.
Fig. 2 A-2C is the process flow diagram of the method for network payment 200 that one embodiment of the invention provides.Below with reference to Fig. 1, Fig. 2 A-2C is described.As seen in figs. 2a-2c, method of network payment 200 provided by the invention comprises the following steps:
Step S201: first kind client terminal 111 promises to undertake payment information packet (such as to network payment server 150 application, bank credit voucher), that is, first kind client terminal 111 sends application information to network payment server 150 to apply for promising to undertake payment information packet according to the instruction of paying party client.Wherein, application information comprises: paying party bank, Payment Amount and payment Currency Type information.
Step S203: network payment server 150 generates interim promise payment information packet, namely, network payment server 150 generates interim promise payment information packet according to the application information that first kind client terminal 111 sends over, and this is promised to undertake temporarily payment information Packet Generation is to first kind bank server 110.
Step S205: to interim, first kind bank server 110 promises to undertake that payment information packet verifies, namely, after first kind bank server 110 receives the interim promise payment information packet of network payment server 150 transmission, this is promised to undertake that payment information packet verifies temporarily, if verification succeeds (namely, this promises to undertake that the information of payment information packet is legal temporarily), then perform step S207, if failure (namely, this promises to undertake that the information of payment information packet is illegal temporarily), then perform step S209.
Step S207: according to interim, first kind bank server 110 promises to undertake that payment information packet generates promise payment information packet (such as, bank credit voucher), and carry out freezing of funds, freezing of funds information is sent to Second Type bank server 120.
Step S209: exclude information is fed back to first kind client terminal 111 and network payment server 150 by first kind bank server 110.
Step S211: Second Type bank server 120 receives the freezing of funds information that first kind bank server 110 sends, and this freezing of funds information is sent to Second Type client terminal 121.
Step S213: Second Type client terminal 121 generates after receiving the freezing of funds information that Second Type bank server 120 sends can Shipping Information, and send this to logistics service device 130 can Shipping Information.
Step S215: while step S213 (also can before or after step S213), Second Type client terminal 121 is submitted to separate to network payment server 150, first kind bank server 110 and first kind client terminal 111 successively and is paid prompting.
Step S217: first kind client terminal 111, after receiving and paying prompting from the solution of Second Type client terminal 121, according to circumstances determines whether that termination fund solution is paid.Pay (that is, continue to separate and pay) if do not stop to separate, then perform step S219.
Step S219: what logistics service device 130 received that Second Type client terminal 121 sends after Shipping Information, can carry out delivery operation, and shipped information is sent to network payment server 150.
Step S221: this shipped information is sent to first kind bank server 110 after receiving the shipped information of logistics service device 130 transmission by network payment server 150, wherein, shipped packets of information is containing logistics odd numbers.
Step S223: after commodity are signed for, information of signing for is sent to network payment server 150 and Second Type client terminal 121 by logistics service device 130, wherein, sign for packets of information containing signing for detail, such as: sign for the time, to sign for or the information such as other people allograph in person.
Step S225: network payment server 150 receive logistics service device 130 send sign for information after, information of signing for is sent to first kind bank server 110.
Step S227: first kind bank server 110 is after receiving and signing for information, to network payment server 150 payment request key information, wherein, payment request refers to freezing of request releasing fund, and payment request key information is the password removing freezing of funds.
Step S229: network payment server 150 preserves its payment request key information received, and payment request key information is sent to Second Type client terminal 121.
Step S231: this payment request key information is sent to Second Type bank server 120 after receiving the payment request key information of network payment server 150 transmission by Second Type client terminal 121.
Step S233: Second Type bank server 120 is also after the payment request key information receiving Second Type client terminal 121 transmission, payment request information is generated according to payment request key information, and payment request information is sent to first kind bank server 110, wherein, payment request key information is comprised in payment request information.
Step S235: first kind bank server 110, after receiving the payment request information that Second Type bank server 120 sends, carries out payment operation to paying party bank, and by the information feed back of having paid the bill to Second Type bank server 120.First kind bank server 110, after receiving payment request information, can veritify the accuracy of payment request key information wherein, when only having veritification correct, just carries out payment operation.
After paying party bank receives fund, fund proceeded in beneficiary customer account, whole online payment flow process completes end.
Continue to get back to step S217, if needing to stop to separate pays (such as, paying party client raises an objection to this transaction), then perform step S237: first kind client terminal 111 proposes ruling application to public rights office (not shown) and extend application to the network payment server 150 transmission solution phase of paying to pay the phase with the pre-solution making network payment server 150 extend fund.
Step S239: the solution that network payment server 150 extends funds associated therewith after the solution the receiving first kind client terminal 111 transmission phase of paying extends application pays the phase.
Step S241: after public rights office (not shown) receives the ruling application from first kind client terminal 111, first kind bank server 110 also receives ruling from public rights office (not shown) and accepts notice and ruling result.
Step S243: if paid from the ruling result of public rights office reception for separating, then go back to perform step S219 and subsequent step.If this ruling result is paid for stopping separating, then perform step S245.
Step S245: first kind bank server 110 informing network paying server 150 lost efficacy about promise payment information packet (such as, bank credit voucher).In addition, promise to undertake that payment information packet (such as, bank credit voucher) also can not received card, exceeded the time limit and do not honour an agreement, exceed the time limit and do not point out reasons and losing efficacy such as separating pair owing to exceeding the time limit.
Step S247: network payment server 150 is receiving about promise payment information packet (such as from first kind bank server 110, bank credit voucher) after the notice that lost efficacy, fund of thawing information is sent to first kind bank server 110.
Step S249: first kind bank server 110 after receiving from network payment server 150 fund information of thawing, the fund associated with first kind client terminal 111 of thawing.Fund proceeds in paying party customer account by paying party bank again, and whole online payment flow process completes end.
The method of network payment that the above embodiment of the present invention provides and method, for paying party client, be only freeze fund, do not need payment funding to go out, can reduce financial risks, ensures the interests of paying party client.In addition, the method for network payment that the above embodiment of the present invention provides and method, do not need paying party client to confirm to receive, as long as the information of signing for is beamed back in logistics, beneficiary client just can receive fund, therefore, also reduce beneficiary financial risks, ensure the interests of beneficiary client.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any amendments done within the spirit and principles in the present invention, equivalent replacement and improvement etc., all should be included within protection scope of the present invention.
Claims (18)
1. a method of network payment, be applied in network payment system, described network payment system comprises first kind bank server, first kind client terminal, Second Type bank server, Second Type client terminal, logistics service device and network payment server, and described method of network payment comprises the following steps:
Described first kind client terminal sends application information to described network payment server to apply for promising to undertake the step of payment information packet;
Described network payment server generates according to the described application information that described first kind client terminal sends and promises to undertake payment information packet temporarily, and by described interim promise payment information Packet Generation to the step of described first kind bank server;
Described first kind bank server receives the interim promise payment information data that described network payment server sends, and to the step that described interim promise payment information packet verifies;
If verification succeeds, described first kind bank server generates according to described interim promise payment information packet and promises to undertake payment information packet, and carries out freezing of funds, freezing of funds information is sent to the step of described Second Type bank server;
Described first kind client terminal determines whether the step that termination fund solution is paid;
If needing to stop to separate pays, described first kind client terminal proposes ruling application to public rights office and sends to described network payment server to separate the step that the phase of paying extends application; And
If needing to stop separating pays, described first kind bank server notifies about described promise payment information packet, described network payment server lost efficacy that described network payment server was thawed the step of fund.
2. method of network payment as claimed in claim 1, is characterized in that, described first kind client terminal proposes ruling application to public rights office and the step extending application to the described network payment server transmission solution phase of paying also comprises:
Described network payment server is after the described solution receiving the transmission of the described first kind client terminal phase of paying extends application, and the solution extending fund pays the step of phase; And
Described first kind bank server receives from described public rights office the step that ruling accepts notice and ruling result.
3. method of network payment as claimed in claim 1, it is characterized in that, described first kind bank server notifies about described promise payment information packet, described network payment server lost efficacy that the thaw step of fund of described network payment server was also comprised:
Fund information of thawing, after receive the notice lost efficacy about described promise payment information packet from described first kind bank server, is sent to the step of described first kind bank server by described network payment server; And
Described first kind bank server after fund information of thawing described in receiving from described network payment server, the step of the fund associated with described first kind client terminal of thawing.
4. method of network payment as claimed in claim 1, it is characterized in that, described method of network payment is further comprising the steps of:
Described Second Type bank server receives the described freezing of funds information that described first kind bank server sends, and described freezing of funds information is sent to the step of described Second Type client terminal; And
Described Second Type client terminal generates after receiving the described freezing of funds information that described Second Type bank server sends can Shipping Information, and to described logistics service device send described can the step of Shipping Information.
5. method of network payment as claimed in claim 4, it is characterized in that, described method of network payment also comprises:
Described logistics service device receives described that described Second Type client terminal sends after Shipping Information, can carry out delivery operation, and shipped information is sent to the step of described network payment server.
6. method of network payment as claimed in claim 5, it is characterized in that, described method of network payment also comprises:
Described shipped information is sent to the step of described first kind bank server after receiving the described shipped information of described logistics service device transmission by described network payment server.
7. method of network payment as claimed in claim 6, it is characterized in that, described method of network payment also comprises:
After commodity are signed for, information of signing for is sent to the step of described network payment server by described logistics service device.
8. method of network payment as claimed in claim 7, it is characterized in that, described method of network payment also comprises:
Described network payment server receive described logistics service device send described in sign for information after, information of signing for is sent to the step of described first kind bank server.
9. method of network payment as claimed in claim 8, it is characterized in that, described method of network payment is further comprising the steps of:
After signing for information described in described first kind bank server receives, to the step of described network payment server payment request key information;
Described network payment server preserves described payment request key information, and described payment request key information is sent to the step of described Second Type client terminal;
Described Second Type client terminal receives the described payment request key information that described network payment server sends, and payment request key information described in this is sent to the step of described Second Type bank server; And
Described Second Type bank server generates payment request information according to described payment request key information, and described payment request information is sent to the step of described first kind bank server.
10. method of network payment as claimed in claim 9, it is characterized in that, described method of network payment also comprises:
Described first kind bank server receives the payment request information that described Second Type bank server sends, and veritify the accuracy of the payment request key information in described payment request information, as correct in veritified, then carry out payment operation to paying party bank, and by the information feed back of having paid the bill to the step of described Second Type bank server.
11. 1 kinds of network payment systems, comprising: first kind bank server, first kind client terminal, Second Type bank server, Second Type client terminal, logistics service device and network payment server, wherein:
Described first kind client terminal, be applicable to paying party client, be connected with described first kind bank server, described logistics service device and described network payment server, application information is sent to described network payment server to apply for promising to undertake payment information packet according to the instruction of paying party client, and during payment process, determine that termination fund solution is paid, if needing to stop to separate pays, described first kind client terminal proposes ruling application and sends to described network payment server to separate the phase of paying prolongation application to public rights is machine-operated;
Described network payment server, be connected to described first kind client terminal, described first kind bank server, described Second Type client terminal and described logistics service device, according to the described application information that described first kind client terminal sends over, generate interim promise payment information packet, and by described interim promise payment information Packet Generation to described first kind bank server;
Described first kind bank server is applicable to paying party bank, with described first kind client terminal, described Second Type bank server and described network payment server are connected, after receiving the described interim promise payment information packet of described network payment server transmission, described interim promise payment information packet is verified, if verification succeeds, described first kind bank server generates according to described interim promise payment information packet and promises to undertake payment information packet, and carry out freezing of funds, freezing of funds information is sent to described Second Type bank server, and if needing to stop separating during payment process pays, described first kind bank server notifies about described promise payment information packet, described network payment server lost efficacy that described network payment server was thawed fund,
Described Second Type bank server, be applicable to beneficiary bank, be connected with described first kind bank server and described Second Type client terminal, receive the described freezing of funds information that described first kind bank server sends, and described freezing of funds information is sent to described Second Type client terminal;
Described Second Type client terminal is applicable to beneficiary client, be connected with described Second Type bank server, described logistics service device and described network payment server, generating after receiving the described freezing of funds information that described Second Type bank server sends can Shipping Information, Shipping Information can be sent to logistics service device application delivery by described; And
Described logistics service device, be applicable to loglstics enterprise, be connected with described first kind client terminal, described Second Type client terminal and described network payment server, receiving described that described Second Type client terminal sends can after Shipping Information, carry out delivery operation, and shipped information is sent to described network payment server.
12. network payment systems as claimed in claim 11, it is characterized in that, described network payment server receive described solution phase of paying that described first kind client terminal sends extend application after extend fund solution pay the phase, and described first kind bank server receives ruling from described public rights office accepts notice and ruling result.
13. network payment systems as claimed in claim 11, it is characterized in that, described network payment server is after receiving the notice lost efficacy about described promise payment information packet from described first kind bank server, fund of thawing information is sent to described first kind bank server; And described first kind bank server is after fund information of thawing described in receiving from described network payment server, the fund associated with described first kind client terminal of thawing.
14. network payment systems as claimed in claim 11, it is characterized in that, described network payment server also receive described logistics service device send described in sign for information after described information of having signed for is sent to described first kind bank server, and preserve described payment request key information after the payment request key information receiving the transmission of described first kind bank server, and described payment request key information is delivered to described Second Type client terminal.
15. network payment systems as claimed in claim 14, it is characterized in that, described payment request key information is sent to described Second Type bank server after receiving the described payment request key information of described network payment server transmission by described Second Type client terminal.
16. network payment systems as claimed in claim 15, it is characterized in that, described Second Type bank server also generates described payment request information after the described payment request key information receiving the transmission of described Second Type client terminal, described payment request information is sent to described first kind bank server, and after the information of having paid the bill receiving the transmission of described first kind bank server, carry out payment operation to beneficiary client.
17. network payment systems as claimed in claim 16, it is characterized in that, described first kind bank server is also after signing for information described in receiving, described payment request key information is sent to described network payment server, and carry out payment operation to paying party bank after the described payment request information receiving the transmission of described Second Type bank server, and the information feed back that will have paid the bill is to described Second Type bank server.
18. network payment systems as claimed in claim 17, is characterized in that, described information of having signed for, also after paying party client signs for, is sent to described network payment server and described Second Type client terminal by described logistics service device.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2014/077209 WO2015172276A1 (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104813347A true CN104813347A (en) | 2015-07-29 |
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| CN201480003088.0A Pending CN104813347A (en) | 2014-05-12 | 2014-05-12 | A method and a system for network payment |
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| Country | Link |
|---|---|
| CN (1) | CN104813347A (en) |
| CA (7) | CA3048375C (en) |
| WO (1) | WO2015172276A1 (en) |
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- 2014-05-12 CA CA3048266A patent/CA3048266C/en active Active
- 2014-05-12 WO PCT/CN2014/077209 patent/WO2015172276A1/en active Application Filing
- 2014-05-12 CA CA2985890A patent/CA2985890C/en active Active
- 2014-05-12 CA CA3048342A patent/CA3048342C/en active Active
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Also Published As
| Publication number | Publication date |
|---|---|
| CA2985890A1 (en) | 2015-11-19 |
| CA3048342C (en) | 2022-03-15 |
| CA3048370C (en) | 2024-03-19 |
| CA3048375A1 (en) | 2015-11-19 |
| WO2015172276A1 (en) | 2015-11-19 |
| CA3048370A1 (en) | 2015-11-19 |
| CA3048263A1 (en) | 2015-11-19 |
| CA3048263C (en) | 2023-02-07 |
| CA3048342A1 (en) | 2015-11-19 |
| CA2985890C (en) | 2020-07-28 |
| CA3048268C (en) | 2023-09-19 |
| CA3048375C (en) | 2023-02-07 |
| CA3048268A1 (en) | 2015-11-19 |
| CA3048266A1 (en) | 2015-11-19 |
| CA3048266C (en) | 2023-02-07 |
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