CN104937625B - System, method and the network payment server of network payment - Google Patents
System, method and the network payment server of network payment Download PDFInfo
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- CN104937625B CN104937625B CN201480003089.5A CN201480003089A CN104937625B CN 104937625 B CN104937625 B CN 104937625B CN 201480003089 A CN201480003089 A CN 201480003089A CN 104937625 B CN104937625 B CN 104937625B
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- 238000000034 method Methods 0.000 title claims abstract description 33
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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
- G06Q20/08—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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Abstract
The present invention provides a kind of network payment system, including：First kind client terminal, first kind bank server, Second Type client terminal, Second Type bank server and network payment server, wherein first kind client terminal is used to obtain the demand information of Second Type client terminal, opens electronic payment certificate by merchandising issuing interface to network payment server calls in advance and notifies Second Type client terminal；Second Type client terminal is invited for receiving payment, and electronic payment certificate is opened in advance to the confirmation of Second Type bank server；And Second Type bank server is used to output electronic payment certificate and frozen capital.Network payment system provided by the invention, method and network payment server provide a kind of network payment approach based on bank's grade credit, it allows the seller actively to propose that payment is invited to buyer, so as to simplify the operating process of buyer and improve the gathering certainty of the seller.
Description
Technical field
The invention belongs to technical field of electronic commerce more particularly to a kind of method of network payment and systems.
Background technology
E-commerce is applied in various trade activities more and more widely, and so-called e-commerce refers in business
In industry trade activity, under the network environment opened in internet, based on browser and server application mode, realize consumer's
Online transaction and online e-payment and various commercial activitys, transaction, finance activities between shopping online, trade company and
A kind of commercial operation pattern of relevant integrated service activity.
Current online e-payment (network payment) mode mainly include bank net payment (containing Credit Card Payments) and
Two kinds of Third-party payment.Their the online payment general flow based on Internet platform is as follows：
1) paying party (client, buyer) fills in network order, selects the net of application in online browsing commodity, selection cargo
Network payment and settlement instrument, and licensing for bank is obtained, such as bank card, stored value card, electronic cash, eCheck or net
Network account No. etc..
2) associated order information (such as payment information) is encrypted in client, in Submitted online order.Business server pair
The ordering information of client checked, confirmed, and it is relevant, by encrypted client's payment information be transmitted to payment gateway,
Until bank's Batch Processing server confirmation of bank's dedicated network, to verify to obtain from the electronic money issuer such as bank
The mandate to disburse funds.
3) after bank validation confirms, by the encrypted communication channel via payment gateway set up, to merchant service
For further safety, (can also not have) is asked to paying party loopback payment authorization for device loopback confirmation and payment and settlement information.
4) bank obtain that paying party transmits it is further authorize settlement information after, fund is transferred from paying party account number to
It in the merchant bank account number for carrying out e-commerce, is settled accounts by financial private network, and sends branch to businessman, paying party respectively
Pay clearing successful information.
5) after business server receives the clearing successful information that bank sends, network successful payment information is sent to paying party
And shipping order.So far, once typical network payment settlement process terminates.Businessman and client can be respectively by network inquiries
The balance of funding information of oneself, further to check.
Can be seen that all payment set patterns from more than flow is that paying party (buyer) actively initiates payment behavior, is passed through
Payment action is completed in the operation of series；And the payment behavior initiated with beneficiary does not have corresponding successful case then for blank.So
The means of payment the shortcomings that include：Paying party operation sequence is cumbersome, needs transaction of participating in the overall process；Gathering is uncertain big, success
Rate is impacted；Online payment approach is single；Credit structure level is low；Fund flow and transaction extracorporal circulatory system, are unfavorable for bank's body
System, country's finance or the participation of tax supervision form, etc..
Therefore, it is necessary to a kind of improved method of network payment and systems.
The content of the invention
It is an object of the invention to provide a kind of method of network payment and systems, it is intended to solve to exist in existing network payment
Paying party operation sequence it is cumbersome and the problem of online payment approach is single.
What the present invention was realized in：A kind of network payment system, including：It is whole suitable for the first kind client of beneficiary
End, the first kind bank server suitable for beneficiary bank, the Second Type client terminal suitable for paying party are suitable for
The Second Type bank server of paying party bank and network payment server, wherein：The first kind client terminal with
The first kind bank server is connected with the network payment server, for obtaining the Second Type client terminal
Demand information, by the network payment server calls issuing interface being merchandised to open electronic payment certificate in advance and notify institute
State Second Type client terminal；The Second Type client terminal and the Second Type bank server and the network payment
Server is connected, and invites for receiving the payment from the first kind client terminal, is serviced by the network payment
The pre- electronic payment certificate of opening of device confirms interface to open electronic payment certificate in advance to Second Type bank server confirmation；With
And the Second Type bank server, with the Second Type client terminal, the first kind bank server and institute
Network payment server is stated to be connected, for receive from it is described it is pre- open electronic payment certificate confirm interface confirmation after open
Go out the electronic payment certificate and freeze and the relevant fund of Second Type client terminal.
More preferably, the network payment server is the network payment server based on bank credit voucher.
More preferably, the Second Type bank server is additionally operable to：Call the notification interface of the network payment server
To notify the first kind client terminal and the first kind bank server on the Second Type bank server
The electronic payment certificate outputed；And if the Second Type client terminal is received and is satisfied with from the first kind
The cargo of client terminal, then in response to the Xie Fujie of the network payment server called by the Second Type client terminal
Mouth pays the bill to the first kind bank server.
The present invention also provides a kind of method of network payment, applied in network payment system, the network payment system
Including be suitable for beneficiary first kind client terminal, suitable for beneficiary bank first kind bank server, be applicable in
Second Type client terminal in paying party, Second Type bank server and network payment suitable for paying party bank
Server, the method for network payment comprise the following steps：The first kind client terminal obtains the Second Type client
The step of demand information of terminal；The first kind client terminal is issued by merchandising to the network payment server calls
Interface carrys out pre- the step of opening electronic payment certificate and notifying the Second Type client terminal；The Second Type client terminal connects
The step of being invited by the payment from the first kind client terminal；The Second Type client terminal passes through the network branch
The pre- electronic payment certificate of opening of pay server confirms interface to open e-payment in advance to Second Type bank server confirmation
The step of voucher；And the Second Type bank server is outputed the electronic payment certificate and is freezed and second class
The step of type client terminal relevant fund.
More preferably, the network payment server is the network payment server based on bank credit voucher.
More preferably, the method for network payment further includes：The Second Type bank server calls the network payment
The notification interface of server notifies the first kind client terminal and the first kind bank server on described
The step of electronic payment certificate that two type bank servers are outputed；And the first kind after the notice is received
Type client terminal makes the confirmation of receipts card and the first kind bank server receives the step of demonstrate,proving.
More preferably, the method for network payment further includes：The step of first kind client terminal delivery；And from
The first kind client terminal receives the step of Second Type client terminal after goods is examined goods.
More preferably, the method for network payment further includes：If the Second Type client terminal is unsatisfied with the first kind
The cargo of type client terminal, then the Second Type client terminal is to the step of the first kind subscriber terminal requests goods return and replacement
Suddenly；And if the Second Type client terminal is satisfied with the cargo of the first kind client terminal, the Second Type visitor
Family terminal calls the solution of the network payment server to pay interface to notify the Second Type bank server to described first
The step of type bank server is paid the bill.
The present invention also provides a kind of network payment server, including：Sending module, for according to from suitable for gathering
The call instruction of the first kind client terminal of side, opens electronic payment certificate and is sent to the Second Type suitable for paying party in advance
Client terminal；Module is confirmed, for accepting one's fate really order according to from the Second Type client terminal, to silver-colored suitable for paying party
Capable Second Type bank server confirmation opens electronic payment certificate in advance；And advice of collection module, for according to from described
The notification command of Second Type bank server, notify the first kind client terminal and suitable for beneficiary bank first
The electronic payment certificate that type bank server is outputed on the Second Type bank server.
More preferably, the network payment server further includes：Solution pays notification module, for according to from the Second Type
The call instruction of client terminal notifies the Second Type bank server to pay the bill to the first kind bank server.
Network payment system provided by the invention, method and network payment server are on the basis of bank credit grade
It realizes and is invited by beneficiary (seller) initiation network payment/mobile payment and confirmed by paying party (buyer) and authorize what be can be completed
Payment.
Description of the drawings
It in order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention, to those skilled in the art, without creative efforts, can be with
Other attached drawings are obtained according to these attached drawings.
Fig. 1 is the structure diagram for the network payment system that one embodiment of the invention provides.
Fig. 2 is the flow chart for the method for network payment that one embodiment of the invention provides.
Fig. 3 A and Fig. 3 B are the flow charts for the method for network payment that one embodiment of the invention provides.
Specific embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, it is right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Fig. 1 is referred to, Fig. 1 is the structure diagram for the network payment system 100 that one embodiment of the invention provides.Such as Fig. 1
It is shown, network payment system 100 include seller's platform 110, silver letter platform 120 (alternatively referred to as network payment server) and
Buyer's platform 130.Seller's platform 110 include the seller 112 (alternatively referred to as suitable for the first kind client terminal of beneficiary) and
Seller bank of deposit 114 (alternatively referred to as suitable for the first kind bank server of beneficiary bank), and buyer's platform 130 wraps
It includes buyer 132 (alternatively referred to as suitable for the Second Type client terminal of paying party) and buyer bank of deposit 134 (is alternatively referred to as applicable in
In the Second Type bank server of paying party bank).Those skilled in the art are it is to be understood that seller bank of deposit 114 and buyer
Bank of deposit 134 can be identical bank.
In payment process, the seller 112 actively can issue bank according to the actual demand information of buyer 132 by one
Platform (that is, the silver letter platform 120) application of credit vouchers, which is outputed, the electronic payment certificate of values such as sells goods or service
Payment is established to invite.Accordingly, after buyer 132 obtains the electronic payment certificate that the seller 112 opens in advance, invited if receiving payment
About, then confirm to the bank of deposit (that is, buyer bank of deposit 134) of oneself and generate formal electronic cash voucher, agree to this transaction.
In more than payment process, silver letter platform 120 plays very crucial effect.Silver letter platform 120 is based on bank's grade
The electronic payment platform and instrument (for example, bank credit voucher) of credit.Bank credit voucher is guaranteed payment with bank credit
A kind of internet blaze new trails on financial means.Favourable, bank credit voucher demonstrate,proves central principle according to external credit, has gathered this
It is the advantages of many financial products such as ticket, letter of guarantee, acceptance bill, electronic credit card, in conjunction with internet science and technology, completely suitable
Should possess cross-platform, cross-bank, full field, whole scene application with the brand-new financial instrument for meeting internet economy Times ' Demand
Broad applicability.Specifically, the function of bank credit voucher, which can include, opens L/C, receives card, submit information of honouring an agreement, solution is submitted to pay
Information, the solution that stops are paid, triggering solution is paid and solution is paid etc..
Bank credit voucher according to the difference of Object of Transaction characteristic, will provide the bank credit voucher product mark of different series
Standard, wherein mainly including following several：
Series 1：It is mainly for Object of Transaction without transporting the transaction that can be completed by material object, i.e., all kinds of non-
Physical goods are merchandised.Specifically, 1 temporary CP300 of series is replaced.It (is touched according to bank credit voucher
The difference of form is paid in the reconciliation of hair phase, and CP300 series bank credit vouchers can be divided into immediate CP301, remote
Phase CP302, by stages tri- kinds of forms of CP303, such as：CP301 network games, software, audio-visual etc., CP302
The relevant transaction such as hotel, air ticket etc., CP303 water rates, the electricity charge)；
1) series 2.It need to be handed over mainly for Object of Transaction by the achievable transaction in transport side in kind, i.e., all kinds of physical goods
Easily.Specifically, 1 temporary C500 of series is replaced.(such as：Electronic apparatus, clothes general merchandise ... wait relevant transaction)；
2) series 3.It needs to confirm the transaction completed, i.e., all kinds of special business by related public rights mechanism mainly for Object of Transaction
Product are merchandised.Specifically, 1 temporary CP700 of series is replaced.(such as：Real estate, automobile share exchange ... wait relevant transaction).
Although note that exemplified here described with reference to bank credit voucher, it should be understood by those skilled in the art that
Other electronic payment platforms based on bank's grade credit and instrument also can be used to realize the present invention.
Fig. 2 is the flow chart for the method for network payment 200 that one embodiment of the invention provides.It is described below with reference to Fig. 1
Fig. 2.As shown in Fig. 2, network payment process 200 start from the seller 112.The seller 112 obtains the demand information or saturating of buyer 132
It crosses social platform and issues the commodity of oneself (with payment link).Then, the seller 112 to the silver letter application of platform 120 by calling
Transaction issuing interface opens electronic payment certificate (with the values such as selling goods or servicing) and notifies buyer 132 to establish pair in advance
The payment of buyer 132 is invited.If buyer 132 receives the payment from the seller 112 and invites and (that is, agree to this transaction), buy
Side 132 confirms bank of deposit (that is, buyer bank of deposit of the interface to oneself by the pre- electronic payment certificate of opening of silver letter platform 120
134) confirm and open formal electronic payment certificate in advance.Correspondingly, buyer bank of deposit 134 output formal electronic payment certificate and
Freeze buyer's fund with the values such as selling goods or servicing.The notification interface of silver letter platform 120 calls in buyer bank of deposit 134
Come the electronic payment certificate for notifying the seller 112 and seller bank of deposit 114 outputs on buyer bank of deposit 134.It is notified it
Afterwards, the confirmation of receipts card is made by the seller 112 and card is received by seller bank of deposit 114.Then, the seller 112 to buyer 132 sold
The logistics distribution of commodity.It examines goods after buyer 132 receives commodity, the seller 112 is notified to carry out the rejection of commodity stabilization agreement if dissatisfied
Goods.If satisfied, buyer 132 calls the solution of silver letter platform 120 to pay interface to notify buyer bank of deposit 134 to seller bank of deposit
114 payments.With the gathering success of seller bank of deposit 114, entire online payment flow 200 terminates.
Understand the silver letter platform 120 (alternatively referred to as network payment server) in Fig. 1 referring again to Fig. 2.Silver letter platform
120 can comprising sending module, confirm module and advice of collection module (not shown) come the method for network payment more than realizing
200.Specifically, sending module is used for according to the tune from the first kind client terminal (that is, the seller 112) suitable for beneficiary
With order, electronic payment certificate is opened in advance and is sent to the Second Type client terminal (that is, buyer 132) suitable for paying party.Really
Module is recognized for according to accepting one's fate really order from Second Type client terminal (that is, buyer 132), to suitable for paying party bank
Second Type bank server (that is, buyer bank of deposit 134) confirmation opens electronic payment certificate in advance.Advice of collection module is used for basis
Notification command from Second Type bank server (that is, buyer bank of deposit 134), notice first kind client terminal (that is, are sold
Side is 112) and silver-colored on Second Type suitable for the first kind bank server (that is, seller bank of deposit 114) of beneficiary bank
The electronic payment certificate that row server (that is, buyer bank of deposit 134) is outputed.Silver letter (the alternatively referred to as network payment service of platform 120
Device) solution pair notification module (not shown) can be also included, for according to the tune for coming from Second Type client terminal (that is, buyer 132)
With order, notify Second Type bank server (that is, buyer bank of deposit 134) to first kind bank server (that is, Mai Fangkai
Family row 114) payment.
Fig. 3 A and Fig. 3 B are the flow charts for the method for network payment 300 that one embodiment of the invention provides.Below with reference to Fig. 1
Fig. 3 A and Fig. 3 B are described with Fig. 2.As shown in figure 3, method of network payment 300 provided by the invention comprises the following steps：
Step S301：The seller obtains buyer's demand information.
Step S303：The seller opens electronic payment certificate and notifies to buy in advance by calling transaction issuing interface to silver letter platform
Side.
Step S305：Buyer receives the payment from the seller and invites.
Step S307：Buyer by silver letter platform it is pre- open electronic payment certificate confirm interface come to buyer bank of deposit confirm
Formal electronic payment certificate is opened in advance.
Step S309：Buyer bank of deposit outputs formal electronic payment certificate and freezes and sell goods or service
Buyer's fund of value.
Step S311：Buyer bank of deposit calls the notification interface of silver letter platform to notify the seller and seller bank of deposit.
Step S313：After notified, the seller makes receipts card and confirms that simultaneously card is received by seller bank of deposit.
Step S315：It sells direction buyer and carries out sold goods logistics distribution (that is, delivering).
Step S317：After commodity are received, buyer examines goods.Step S319 is gone to if dissatisfied, buyer please to the seller
Goods return and replacement are asked, and then proceed back to step S315.Step S321 is gone to if satisfied, buyer calls the solution of silver letter platform to pay
Interface come notify buyer bank of deposit to seller bank of deposit pay the bill.
Step S323：Seller bank of deposit 114 collects money successfully, and entire online payment flow 300 terminates.
The method of network payment and system that above example of the present invention is provided realized on the basis of bank credit grade by
Beneficiary (seller) initiates network payment/mobile payment and invites and confirm the payment that authorizes and can be completed by paying party (buyer).
Beneficial effects of the present invention include：Buyer's operation sequence is efficient and convenient；Certainty of collecting money is high；Newly-increased online payment approach；Allow
The seller pushes the merchandise news of oneself without threshold to buyer.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
All any modification, equivalent and improvement made within refreshing and principle etc., should all be included in the protection scope of the present invention.
Claims (8)
1. a kind of network payment system, including：First kind client terminal suitable for beneficiary, suitable for beneficiary bank
First kind bank server, the Second Type client terminal suitable for paying party, the Second Type suitable for paying party bank
Bank server and network payment server, wherein：
The first kind client terminal is connected with the first kind bank server and the network payment server, uses
In the demand information for obtaining the Second Type client terminal, by merchandising issuing interface to the network payment server calls
It opens electronic payment certificate in advance and notifies the Second Type client terminal；
The Second Type client terminal is connected with the Second Type bank server and the network payment server, uses
It is invited in receiving the payment from the first kind client terminal, e-payment is opened by the pre- of network payment server
Voucher confirms interface to open electronic payment certificate in advance to Second Type bank server confirmation；And
The Second Type bank server, with the Second Type client terminal, the first kind bank server and
The network payment server is connected, for receiving after the pre- confirmation opened electronic payment certificate and confirm interface
Output the electronic payment certificate and freeze with the relevant fund of Second Type client terminal,
Wherein described network payment server is the network payment server based on bank credit voucher.
2. network payment system as described in claim 1, which is characterized in that the Second Type bank server is additionally operable to：
The notification interface of the network payment server is called to notify the first kind client terminal and the first kind
The electronic payment certificate that bank server is outputed on the Second Type bank server；And
If the Second Type client terminal receives and is satisfied with the cargo from the first kind client terminal, in response to
The solution of the network payment server called by the Second Type client terminal pays interface to the first kind bank
Server is paid the bill.
3. a kind of method of network payment, applied in network payment system, the network payment system includes being suitable for beneficiary
First kind client terminal, the first kind bank server suitable for beneficiary bank, the second class suitable for paying party
Type client terminal, suitable for the Second Type bank server of paying party bank and network payment server, the network branch
The method of paying comprises the following steps：
The first kind client terminal obtains the step of demand information of the Second Type client terminal；
The first kind client terminal opens electronics branch in advance by merchandising issuing interface to the network payment server calls
Exchange order and the step of notify the Second Type client terminal；
The Second Type client terminal receives the step of payment from the first kind client terminal is invited；
The Second Type client terminal by the network payment server it is pre- open electronic payment certificate confirm interface come to
The Second Type bank server confirms the step of opening electronic payment certificate in advance；And
The Second Type bank server is outputed the electronic payment certificate and is freezed and the Second Type client terminal
The step of relevant fund,
Wherein described network payment server is the network payment server based on bank credit voucher.
4. method of network payment as claimed in claim 3, which is characterized in that the method for network payment further includes：
The Second Type bank server calls the notification interface of the network payment server to notify the first kind
The e-payment that client terminal and the first kind bank server are outputed on the Second Type bank server
The step of voucher；And
The first kind client terminal makes the confirmation of receipts card after the notice is received and the first kind bank takes
The step of device receipts of being engaged in are demonstrate,proved.
5. method of network payment as claimed in claim 4, which is characterized in that the method for network payment further includes：
The step of first kind client terminal delivery；And
The Second Type client terminal is examined goods after receiving goods from the first kind client terminal the step of.
6. method of network payment as claimed in claim 5, which is characterized in that the method for network payment further includes：
If the Second Type client terminal is unsatisfied with the cargo of the first kind client terminal, the Second Type client
Terminal is to the step of the first kind subscriber terminal requests goods return and replacement；And
If the Second Type client terminal is satisfied with the cargo of the first kind client terminal, the Second Type client is whole
The solution of the network payment server is called to pay interface to notify the Second Type bank server to the first kind in end
The step of bank server is paid the bill.
7. a kind of network payment server, including：
Sending module, for the demand information according to the Second Type client terminal and from first suitable for beneficiary
The call instruction of type customer terminal opens electronic payment certificate and is sent to the Second Type client end suitable for paying party in advance
End；
Module is confirmed, for accepting one's fate really order according to from the Second Type client terminal, to suitable for paying party bank
The confirmation of Second Type bank server opens electronic payment certificate in advance；And
Advice of collection module, for according to the notification command from the Second Type bank server, notifying the first kind
Type client terminal and first kind bank server suitable for beneficiary bank are opened on the Second Type bank server
The electronic payment certificate gone out,
Wherein described network payment server is the network payment server based on bank credit voucher.
8. network payment server as claimed in claim 7, which is characterized in that further include：
Solution pays notification module, for according to the call instruction from the Second Type client terminal, notifying the Second Type
Bank server is paid the bill to the first kind bank server.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2014/073172 WO2015135121A1 (en) | 2014-03-11 | 2014-03-11 | Online payment system and method, and online payment server |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104937625A CN104937625A (en) | 2015-09-23 |
| CN104937625B true CN104937625B (en) | 2018-06-05 |
Family
ID=54070761
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201480003089.5A Expired - Fee Related CN104937625B (en) | 2014-03-11 | 2014-03-11 | System, method and the network payment server of network payment |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN104937625B (en) |
| WO (1) | WO2015135121A1 (en) |
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| CN106910053A (en) * | 2015-12-22 | 2017-06-30 | 华为技术有限公司 | Method of mobile payment, relevant apparatus and system |
| CN108038683B (en) * | 2017-12-08 | 2020-08-28 | 深圳壹账通智能科技有限公司 | Payment method, payment system and readable storage medium based on class II account |
| CN109583853A (en) * | 2018-09-29 | 2019-04-05 | 阿里巴巴集团控股有限公司 | Method of payment, device, electronic equipment and computer readable storage medium |
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| CN101034449A (en) * | 2007-04-17 | 2007-09-12 | 华中科技大学 | Method, system and mobile terminal for implementing electronic payment |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | Method and system for processing transaction data and payment system |
| CN102194176A (en) * | 2010-03-19 | 2011-09-21 | 中国工商银行股份有限公司 | Method and system for feeding back payment result information by online bank |
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| CN103164790B (en) * | 2011-12-09 | 2016-12-28 | 腾讯科技（深圳）有限公司 | Network payment system and data processing method thereof |
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- 2014-03-11 CN CN201480003089.5A patent/CN104937625B/en not_active Expired - Fee Related
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| CN1838660A (en) * | 2005-03-21 | 2006-09-27 | 邓斌涛 | Electronic paying and accepting signal transmission processing method |
| CN101034449A (en) * | 2007-04-17 | 2007-09-12 | 华中科技大学 | Method, system and mobile terminal for implementing electronic payment |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | Method and system for processing transaction data and payment system |
| CN102194176A (en) * | 2010-03-19 | 2011-09-21 | 中国工商银行股份有限公司 | Method and system for feeding back payment result information by online bank |
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| WO2015135121A1 (en) | 2015-09-17 |
| CN104937625A (en) | 2015-09-23 |
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