CN104978656A - Method and system for payment through E-mail - Google Patents
Method and system for payment through E-mail Download PDFInfo
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- CN104978656A CN104978656A CN201410137499.0A CN201410137499A CN104978656A CN 104978656 A CN104978656 A CN 104978656A CN 201410137499 A CN201410137499 A CN 201410137499A CN 104978656 A CN104978656 A CN 104978656A
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Abstract
The invention provides a method for payment through an E-mail. The method comprises the following steps of: associating a payment card with a first payment system; sending a payment E-mail to the first payment system at a preset format, wherein the E-mail includes data relevant to the payment; judging whether the payment E-mail conforms to the preset format or not after the first payment system receives the payment E-mail; under the condition that the payment E-mail conforms to the preset format, initiating a payment processing request to a second payment system associated with the payment card; performing corresponding processing by the second payment system according to the payment processing request, and transmitting the processing result to the first payment system; and respectively sending the payment condition to a payer and a payee by the first payment system through a result notification E-mail on the basis of the received processing result. The invention also provides a corresponding system. When the method or the system is used, the convenience degree of the payment by the user is improved.
Description
Technical field
The present invention relates to the technology of being carried out payment processes by network, more specifically, relate to and carried out by means of network the technology that pays by Email.
Background technology
Thing relevant with payment funding is at present main or undertaken by channels such as the self-aided terminal such as bank counter, ATM and Web banks.Before payment, user to need with payee by interviewing, the mode such as phone, note links up payment funding demand and the amount of money; After payment, also need to confirm payment funding result with payee.Therefore, whole payment funding process relative complex is a little.
Summary of the invention
In view of this, a kind of method of carrying out paying is proposed, to make moderate progress to the problems referred to above.Carry out by Email the method that pays according to example of the present invention, comprising: Payment Card is associated with the first payment system; Send in a predetermined format and pay Email to described first payment system, described Email comprises and pays relevant data; Described first payment system, after receiving described payment Email, judges whether described payment Email meets described predetermined format; When described payment Email meets predetermined format, initiate payment processes request to the second payment system associated with described Payment Card; Described second payment system carries out respective handling according to described payment processes request, and result is sent to described first payment system; Described first payment system based on received result, by result inform Email payout status sent to respectively payer with by payer.
Carry out by Email the method that pays according to example of the present invention, preferably, described association with the first payment system by Payment Card comprises: the first payment system receives the log-on message of the user coming from described Payment Card, and described log-on message comprises subscriber identity information, described payment card information, e-mail address that user communicates with described first payment system and the subsidiary communications information except this e-mail address; Described first payment system based on described log-on message and described second payment system whether effective with the identity information and payment card information that confirm described user alternately; When confirming the validity, described first payment system transmission comprises the registration relevant e-mail of the information of succeeding in registration to described user, and described registration relevant e-mail also comprises the information relevant with described predetermined format.
Carry out by Email the method that pays according to example of the present invention, preferably, described subsidiary communications information is the Mobile Directory Number of user.
Carry out by Email the method that pays according to example of the present invention, preferably, described predetermined format comprises: the transmission address of described payment Email comprise described first payment system e-mail address and with by the relevant e-mail address of payer, the theme part of described payment Email comprises by payer information and payment.
Carry out by Email the method that pays according to example of the present invention, preferably, described being comprised by payer information puts by payer title, for receiving the bank of deposit of the account that payer pays, described account.
According to example of the present invention, a kind of system of being undertaken paying by Email is also provided, it applies in the applied environment of electronic equipment, the first payment system and the second payment system comprising user, described system of being undertaken paying by Email comprises: relating module, its association is arranged on the electronic equipment of user and described first payment system, for being associated with the first payment system by Payment Card; First sending module, it is arranged in the electronic equipment of user, pays Email to described first payment system for sending in a predetermined format, and described Email comprises and pays relevant data; First processing module, it is arranged on the first payment system, for after receiving described payment Email, judge whether described payment Email meets described predetermined format, and when described payment Email meets predetermined format, initiate payment processes request to the second payment system associated with described Payment Card; Second processing module, it is arranged on the second payment system, for carrying out respective handling according to described payment processes request, and result is sent to described first payment system; Second sending module, it is arranged on the first payment system, for based on received result, by result inform Email payout status sent to respectively described user with by payer.
Carry out by Email the system that pays according to example of the present invention, preferably, described relating module comprises: the first associative cell, it is arranged on the electronic equipment of described user, for sending for the log-on message relevant with this Payment Card to described first payment system, described log-on message comprises subscriber identity information, described payment card information, e-mail address that user communicates with described first payment system and the subsidiary communications information except this e-mail address; Second associative cell, it is arranged on the first payment system, for based on described log-on message and described second payment system whether effective with the identity information and payment card information that confirm described user alternately, and, when confirming the validity, transmission comprises the registration relevant e-mail of the information of succeeding in registration to described first associative cell, and described registration relevant e-mail also comprises the information relevant with described predetermined format.
Carry out by Email the system that pays according to example of the present invention, preferably, described subsidiary communications information is the Mobile Directory Number of user.
Carry out by Email the system that pays according to example of the present invention, preferably, described predetermined format comprises: the transmission address of described payment Email comprise described first payment system e-mail address and with by the relevant e-mail address of payer, the theme part of described payment Email comprises by payer information and payment.
Carry out by Email the system that pays according to example of the present invention, preferably, described being comprised by payer information puts by payer title, for receiving the bank of deposit of the account that payer pays, described account.
According to scheme of being undertaken paying by Email provided by the invention, the possessor of Payment Card sends the request of payment to the first payment system by Email, this payment request simultaneously also sends and gives by payer (by the row of the addresses of items of mail of payer at the posting address of payment Email), thus, while the first payment system starts to process payment transaction, also known that payer carries out the information paid by payer.After payment transaction process completes, payment result can be sent to payer by the mode of Email and by payer by the first payment system, and thus, payer all can know payout status with being paid to facilitate, and without the need to extra communication.
Accompanying drawing explanation
Fig. 1 is the process flow diagram being carried out the method paid by Email according to an example of the present invention.
Fig. 2 illustrates and carries out by Email the system schematic diagram that pays according to this example.
Embodiment
Describe schematic example of the present invention referring now to accompanying drawing, identical drawing reference numeral represents identical element.Each embodiment described below contributes to those skilled in the art and thoroughly understands the present invention, and is intended to example and unrestricted.Unless otherwise defined, the term (comprising science, technology and industry slang) used in literary composition has the implication identical with the implication that those skilled in the art in the invention generally understand.
Fig. 1 is process flow diagram, which illustrates to carry out by Email the method that pays according to example of the present invention.The method can perform in the applied environment formed in electronic equipment, the first payment system and second payment system of the user (that is, the possessor of Payment Card) by Payment Card.Exemplarily, as mentioned herein " electronic equipment " comprises as accessible networks such as the portable electric appts such as mobile phone, panel computer, notebook computer and personal desktop computers and can carry out the electronic equipment of mail sending and reception; First payment system is such as Unionpay's system, the Third-party payment platforms such as Alipay; Second payment system comprise Payment Card credit card issuer and by the credit card issuer etc. of payer Payment Card.In addition, it should be noted that, although in the description in this application, linguistic context based on context, have employed the terms such as " user of Payment Card " and payer, the possessor of what they referred to is all Payment Card.
As shown in the figure, in step 100, Payment Card is associated with the first payment system.Illustratively, Payment Card is bank card.Payment Card is associated with the first payment system and specifically refers to Payment Card possessor and register to the first payment system and it is bound with this Payment Card for information about.Exemplarily, the first payment system receives the log-on message that Payment Card possessor sends.Log-on message comprises Payment Card possessor identity information, payment card information, also comprises e-mail address that this possessor communicates with the first payment system and the subsidiary communications information except this e-mail address.The possessor of this Payment Card registers to the first payment system by such as under type: the related web page signing in the first payment system, filling registration information, and the information of having filled in is submitted to the first payment system.Based on this log-on message, whether the first payment system and the second payment system be effective with the identity information and payment card information that confirm described possessor alternately.When confirming the validity, the first payment system transmission comprises the registration relevant e-mail of the information of succeeding in registration to the possessor of described Payment Card.Thus, the first payment system have recorded the e-mail address communicated with the first payment system in the identity information of Payment Card possessor, the payment card information of binding with the identity information of this possessor, possessor's payment process afterwards.And subsidiary communications information.Wherein, subsidiary communications information is preferably the phone number of possessor.Except the information succeeded in registration, described registration relevant e-mail also comprises out of Memory, such as relevant with predetermined format information.
In a step 102, send in a predetermined format and pay Email to the first payment system, this payment Email comprises and pays relevant data.Payment Card possessor, by its electronic equipment, pays Email to the first payment system by the mail sending in log-on message during registration.In this application, term " payment Email " refers to and requires that the first payment system carries out the Email of payment transaction process.With pay relevant data comprise payment, by payer name, by the Payment Card card number of payer, belonging to Payment Card bank etc.Predetermined format relates to the form and content that pay Email, specifically requires that the posting address paying Email is except comprising the e-mail address of the first payment system, also comprises by the e-mail address of payer.Meanwhile, predetermined format requires that the theme part paying Email shows by payer information and payment.Comprised by the Payment Card card number of payer, by the Name or Designation of payer by payer information.
At step 104, the first payment system, after receiving payment Email, judges whether pay Email meets predetermined format.If do not met, then in step 105, send and pay unsuccessful mail to the transmission address paying Email.If met, then in step 106, initiate payment transaction process request to the second payment system associated with Payment Card.As mentioned above, the second payment system comprise Payment Card credit card issuer and by the credit card issuer etc. of Payment Card.Subsequently, in step 108, the second payment system carries out respective handling according to payment processes request, and sends result to first payment system.At this, the second payment system is in the process of payment transaction and prior art, and credit card issuer and identical by the processing mode of the credit card issuer of Payment Card to payment transaction, just repeats no more herein.In step 110, the first payment system based on received result, by result inform Email payout status sent to respectively payer with by payer.It is inform payer and the Email by the result of payer payment transaction that term " result informs Email " refers to this Email.By described result, payment result is informed that Email is sent to and is paid the addresses of items of mail of Email by the first payment system, be also sent to by the e-mail address of payer simultaneously, so as payer with all can be known this correlation circumstance paid by payer.
Software or hardware or this both combination can be embodied as according to the method being undertaken paying by Email of the present invention.After adopting the method, the possessor of Payment Card sends the request of payment to the first payment system by Email, this payment request simultaneously also sends and gives by payer (by the row of the addresses of items of mail of payer at the posting address of payment Email), thus, while the first payment system starts to process payment transaction, also known that payer carries out the information paid by payer.After payment transaction process completes, payment result can be sent to payer by the mode of Email and by payer by the first payment system, and thus, payer all can know payout status with being paid to facilitate, and without the need to extra communication.
According to another embodiment of the present invention, a kind of system of being undertaken paying by Email is also provided.The system should being undertaken paying by Email is applied in the applied environment of electronic equipment, the first payment system and the second payment system comprising user.Fig. 2 illustrates and carries out by Email the system schematic diagram that pays according to this example.As shown in the figure, the system should being undertaken paying by Email comprises relating module 20, first sending module 22, first processing module 24, second processing module 26 and the second sending module 28.
Relating module 20 association is arranged on electronic equipment and first payment system of user, for being associated with the first payment system by Payment Card.At this, association is arranged on the electronic equipment of user and the first payment system refers to the electronic equipment that relating module 20 part is arranged on user, and part is arranged on the first payment system, and these two parts cooperatively interact to be associated with the first payment system by Payment Card.Specifically, relating module 20 comprises the first associative cell 201 be arranged in the electronic equipment of user and the second associative cell 202 being arranged on the first payment system.First associative cell 201 is arranged to send for the log-on message relevant with this Payment Card to the first payment system.Log-on message comprises Payment Card possessor identity information, payment card information, e-mail address that Payment Card possessor communicates with the first payment system and the subsidiary communications information except this e-mail address.Second associative cell 202 be arranged to based on this log-on message and the second payment system whether effective with the identity information and payment card information that confirm Payment Card possessor alternately, and, when confirming the validity, transmission comprises the registration relevant e-mail of the information of succeeding in registration to the first associative cell.This registration relevant e-mail also can comprise the information relevant with predetermined format.Preferably, subsidiary communications information is the Mobile Directory Number of user.
First sending module 22 is arranged in the electronic equipment of user, and it is arranged to send in a predetermined format and pays Email to the first payment system.Comprise in this Email and pay relevant data.Payment Card possessor, by its electronic equipment, pays Email to the first payment system by the mail sending in log-on message during registration.As mentioned above, predetermined format relates to the form and content that pay Email, specifically requires that the posting address paying Email is except comprising the e-mail address of the first payment system, also comprises by the e-mail address of payer.Meanwhile, predetermined format requires that the theme part paying Email shows by payer information and payment.Comprised by the Payment Card card number of payer, by the Name or Designation of payer by payer information.
First processing module 24 is arranged in the first payment system, after it is arranged in and receives payment Email, judge whether this payment Email meets predetermined format, and when this Email meets predetermined format, initiate payment processes request to the second payment system associated with Payment Card.If do not met, then send and pay unsuccessful mail to the transmission address paying Email.Second processing module 26 is arranged on the second disposal system, and it carries out respective handling according to payment processes request, and sends result to first payment system.Second sending module 28 is arranged in the first payment system, and it is based on received result, by result inform Email payout status sent to respectively payer with by payer.Term " result informs Email " refers to this Email in order to inform payer and the result by payer payment transaction.By described result, payment result is informed that Email is sent to and is paid the address of Email by the first payment system, be also sent to by the e-mail address of payer simultaneously, so as payer with all can be known this correlation circumstance paid by payer.
Software, hardware or this both combination can be embodied as according to the system being undertaken paying by Email of the present invention.After adopting this system, the possessor of Payment Card sends the request of payment to the first payment system by Email, this payment request simultaneously also sends and gives by payer (by the row of the addresses of items of mail of payer at the posting address of payment Email), thus, while the first payment system starts to process payment transaction, also known that payer carries out the information paid by payer.After payment transaction process completes, payment result can be sent to payer by the mode of Email and by payer by the first payment system, and thus, payer all can know payout status with being paid to facilitate, and without the need to extra communication.
Adopt application of the present invention process management system in a distributed system or method, easily can manage the distributed type assemblies that a large amount of main frame is formed, and, for distributed system constantly extending transversely, without the need to additionally arranging, because each node is after this distributed system of access, namely by node control module own location information and progress information sent to other each node in environment.In addition, different from the management of process solution under other cluster environment, system provided by the invention, method can initiate bookkeeping by any node under distributed system, and do not rely on the node with specific function.
Claims (10)
1. carried out the method paid by Email, comprising:
Payment Card is associated with the first payment system;
Send in a predetermined format and pay Email to described first payment system, described Email comprises and pays relevant data;
Described first payment system, after receiving described payment Email, judges whether described payment Email meets described predetermined format;
When described payment Email meets predetermined format, initiate payment processes request to the second payment system associated with described Payment Card;
Described second payment system carries out respective handling according to described payment processes request, and result is sent to described first payment system;
Described first payment system based on received result, by result inform Email payout status sent to respectively payer with by payer.
2. method of being undertaken paying by Email as claimed in claim 1, it is characterized in that, described association with the first payment system by Payment Card comprises:
First payment system receives and comes from the log-on message of the user of described Payment Card, and described log-on message comprises subscriber identity information, described payment card information, e-mail address that user communicates with described first payment system and the subsidiary communications information except this e-mail address;
Described first payment system based on described log-on message and described second payment system whether effective with the identity information and payment card information that confirm described user alternately;
When confirming the validity, described first payment system transmission comprises the registration relevant e-mail of the information of succeeding in registration to described user, and described registration relevant e-mail also comprises the information relevant with described predetermined format.
3. method of being undertaken paying by Email as claimed in claim 2, it is characterized in that, described subsidiary communications information is the Mobile Directory Number of user.
4. method of being undertaken paying by Email as claimed in claim 1 or 2, it is characterized in that, described predetermined format comprises: the transmission address of described payment Email comprise described first payment system e-mail address and with by the relevant e-mail address of payer, the theme part of described payment Email comprises by payer information and payment.
5. the method crossed Email and carry out paying as claimed in claim 4, is characterized in that, described being comprised by payer information puts by payer title, for receiving the account of payer payment, the bank of deposit of described account.
6. carried out the system paid by Email, it is applied in the applied environment of electronic equipment, the first payment system and the second payment system comprising user, and described system of being undertaken paying by Email comprises:
Relating module, its association is arranged on the electronic equipment of user and described first payment system, for being associated with the first payment system by Payment Card;
First sending module, it is arranged in the electronic equipment of user, pays Email to described first payment system for sending in a predetermined format, and described Email comprises and pays relevant data;
First processing module, it is arranged on the first payment system, for after receiving described payment Email, judge whether described payment Email meets described predetermined format, and when described payment Email meets predetermined format, initiate payment processes request to the second payment system associated with described Payment Card;
Second processing module, it is arranged on the second payment system, for carrying out respective handling according to described payment processes request, and result is sent to described first payment system;
Second sending module, it is arranged on the first payment system, for based on received result, by result inform Email payout status sent to respectively described user with by payer.
7. system of being undertaken paying by Email as claimed in claim 6, it is characterized in that, described relating module comprises:
First associative cell, it is arranged on the electronic equipment of described user, for sending for the log-on message relevant with this Payment Card to described first payment system, described log-on message comprises subscriber identity information, described payment card information, e-mail address that user communicates with described first payment system and the subsidiary communications information except this e-mail address;
Second associative cell, it is arranged on the first payment system, for based on described log-on message and described second payment system whether effective with the identity information and payment card information that confirm described user alternately, and, when confirming the validity, transmission comprises the registration relevant e-mail of the information of succeeding in registration to described first associative cell, and described registration relevant e-mail also comprises the information relevant with described predetermined format.
8. method of being undertaken paying by Email as claimed in claim 7, it is characterized in that, described subsidiary communications information is the Mobile Directory Number of user.
9. as claimed in claims 6 or 7 carry out by Email the method that pays, it is characterized in that, described predetermined format comprises: the transmission address of described payment Email comprise described first payment system e-mail address and with by the relevant e-mail address of payer, the theme part of described payment Email comprises by payer information and payment.
10. method of being undertaken paying by Email as claimed in claim 9, be is characterized in that, described being comprised by payer information puts by payer title, for receiving the account of payer payment, the bank of deposit of described account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410137499.0A CN104978656B (en) | 2014-04-08 | 2014-04-08 | Method and system for payment through e-mail |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410137499.0A CN104978656B (en) | 2014-04-08 | 2014-04-08 | Method and system for payment through e-mail |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104978656A true CN104978656A (en) | 2015-10-14 |
| CN104978656B CN104978656B (en) | 2021-10-12 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410137499.0A Active CN104978656B (en) | 2014-04-08 | 2014-04-08 | Method and system for payment through e-mail |
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1734484A (en) * | 2004-08-12 | 2006-02-15 | 华为技术有限公司 | Network bank system and method by means of e-mail to pay |
| US20060089906A1 (en) * | 2004-10-21 | 2006-04-27 | Michael Rowley | Method for securing a payment transaction over a public network |
| CN103593761A (en) * | 2012-08-17 | 2014-02-19 | 中国银联股份有限公司 | Cell phone terminal onsite paying method and system based on mobile positioning service |
| CN103646326A (en) * | 2013-11-06 | 2014-03-19 | 北京飞流九天科技有限公司 | Method and device for providing payment on payment platform |
| CN103679457A (en) * | 2012-09-14 | 2014-03-26 | 乐金信世股份有限公司 | Payment method, payment server performing same and payment system performing same |
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2014
- 2014-04-08 CN CN201410137499.0A patent/CN104978656B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1734484A (en) * | 2004-08-12 | 2006-02-15 | 华为技术有限公司 | Network bank system and method by means of e-mail to pay |
| US20060089906A1 (en) * | 2004-10-21 | 2006-04-27 | Michael Rowley | Method for securing a payment transaction over a public network |
| CN103593761A (en) * | 2012-08-17 | 2014-02-19 | 中国银联股份有限公司 | Cell phone terminal onsite paying method and system based on mobile positioning service |
| CN103679457A (en) * | 2012-09-14 | 2014-03-26 | 乐金信世股份有限公司 | Payment method, payment server performing same and payment system performing same |
| CN103646326A (en) * | 2013-11-06 | 2014-03-19 | 北京飞流九天科技有限公司 | Method and device for providing payment on payment platform |
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| CN104978656B (en) | 2021-10-12 |
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