CN105431870A - Mailbox payment method and mailbox payment system - Google Patents
Mailbox payment method and mailbox payment system Download PDFInfo
- Publication number
- CN105431870A CN105431870A CN201480003218.0A CN201480003218A CN105431870A CN 105431870 A CN105431870 A CN 105431870A CN 201480003218 A CN201480003218 A CN 201480003218A CN 105431870 A CN105431870 A CN 105431870A
- Authority
- CN
- China
- Prior art keywords
- mailbox
- payment
- collection
- verification
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Disclosed are a mailbox payment method and a mailbox payment system. The mailbox payment system comprises a paying terminal device, a mailbox payment verification center and a receiving terminal device. The mailbox payment verification center is used for accepting a paying mailbox login verification request submitted by a paying party with regard to one or a plurality of online payment transactions, performing security verification on the paying mailbox login verification request, and sending payment confirmation information to a specified receiving party mailbox when the paying mailbox login verification request passes. The mailbox payment verification center is also used for receiving a receiving mailbox login verification request, performing security verification on the receiving mailbox login verification request, and instructing a relevant bank server related to each payment transaction to complete a subsequent settlement process of the payment transaction when the receiving mailbox login verification request passes. The present invention provides a user with a mailbox payment means capable of implementing a batch payment of a plurality of online payment transactions and having a very convenient payment operation.
Description
The invention relates to the technical field of payment, in particular to a mailbox payment method and a mailbox payment system.
Among various network payment methods, the mobile phone verification payment method is popular because of simple operation. However, the mobile phone does not verify the payment method perfectly, and has at least the following defects:
1) the safety is poor. Along with the popularity of smart phones, the frequency of changing the mobile phone numbers of users is higher and higher, so that the time length of the mobile phone numbers reserved in a shopping website for payment by the users is changed, the payment operation of the users is complicated, and certain potential safety hazards are caused.
2) The payment efficiency is low. The mobile phone verification payment mode can only realize one on-line payment transaction at one time, but cannot realize batch payment of a plurality of on-line payment transactions. When the user needs to complete the payment of multiple orders, if the user adopts a mobile phone to verify the payment mode, the method is troublesome and time-consuming.
In order to adapt to the great development of the payment industry and improve the convenience and the safety of a user in the payment process, how to develop a payment method which is convenient to operate and high in safety becomes a problem to be solved urgently.
The technical problem to be solved by the present invention is to provide a mailbox payment method and a mailbox payment system, aiming at the above-mentioned defects in the prior art.
The technical scheme adopted by the invention for solving the technical problems is as follows: constructing a mailbox payment method, which comprises the following steps;
s1) when the mail box payment verification center receives a payment mail box login verification request aiming at one or more online payment transactions, the mail box payment verification center carries out safety verification on the payment mail box login verification request;
s2) when the request is not passed, the mail box payment verification center transmits the prompt message of failure to submit the mail box payment request back to the mail box of the payer, or when the request is passed, the mail box payment verification center transmits the payment confirmation message aiming at the one or more online payment transactions to the mail box of the appointed payee;
s3) the mailbox payment verification center receives a collection mailbox login verification request for confirming the one or more online payment transactions, carries out safety verification on the collection mailbox login verification request, and indicates the related bank server (400) related to each online payment transaction to finish the subsequent settlement process of the online payment transaction when the collection mailbox login verification request passes.
In the mailbox payment method of the present invention, the method further comprises the following steps:
s0) the mail box payment verification center records the payment mail box registration information including the payment mail box account and the payment mail box password and the collection mail box registration information including the collection mail box account and the collection mail box password, and stores the record information in a database.
In the above mailbox payment method of the present invention, the following steps are further included between the step S0 and the step S1:
s01) the payment terminal equipment generates one or more online payment transactions according to the operation of the payment user and selects a mailbox payment mode for realizing the one or more online payment transactions.
In the above mailbox payment method of the present invention, the step of performing security verification on the login operation of the payment mailbox in step S1 includes:
the mailbox payment verification center extracts a first input account and a first input password in the payment mailbox login verification request, and respectively compares the first input account and the first input password with a payment mailbox account and a payment mailbox password stored in a database;
if the mailbox payment verification center judges that the first input account is the same as the payment mailbox account and the first input password is the same as the payment mailbox password, the mailbox login verification request is allowed to pass the safety verification, and a prompt message that the mailbox payment request is successfully submitted is sent to the payment terminal equipment;
if the mailbox payment verification center judges that the first input account is different from the payment mailbox account or judges that the first input password is different from the payment mailbox password, the mailbox login verification request is prohibited from passing the safety verification, and prompt information of mailbox payment request submission failure is generated.
In the above mailbox payment method of the present invention, the step S3 where the mailbox payment verification center receives a receiving mailbox login verification request for confirming the one or more online payment transactions, and the step of performing security verification on the receiving mailbox login verification request includes:
the mailbox payment verification center receives a collection mailbox login verification request returned by the collection terminal device and used for confirming the one or more online payment transactions, extracts a second input account and a second input password in the collection mailbox login verification request, and respectively compares the second input account and the second input password with a collection mailbox account and a collection mailbox password stored in a database;
if the mailbox payment verification center judges that the second input account is the same as the collection mailbox account and the second input password is the same as the collection mailbox password, the mailbox login verification request is allowed to pass the safety verification, prompt information of successful mailbox payment verification is sent to the payment terminal equipment and the collection terminal equipment, and the electronic money in the one or more online payment transactions is sent to a related bank server;
and if the mailbox payment verification center judges that the second input account is different from the collection mailbox account or the second input password is different from the collection mailbox password, forbidding the collection mailbox login verification request to pass the safety verification and sending a prompt message of mailbox payment verification failure to the payment terminal equipment and the collection terminal equipment.
The present invention also constructs a mailbox payment system, which comprises: payment terminal equipment, a mailbox payment verification center and collection terminal equipment;
the mailbox payment verification center is used for receiving a payment mailbox login verification request aiming at one or more online payment transactions from the payment terminal equipment, carrying out safety verification on the payment mailbox login verification request, and sending payment confirmation information aiming at the one or more online payment transactions to a specified payee mailbox when the payment mailbox login verification request passes;
the mailbox payment verification center is also used for receiving a collection mailbox login verification request returned by the collection terminal device and used for confirming the one or more online payment transactions, carrying out safety verification on the collection mailbox login verification request, and indicating a related bank server related to each online payment transaction to finish a subsequent settlement process of the online payment transaction when the collection mailbox login verification request passes.
In the mailbox payment system, the mailbox payment verification center comprises a recording module and a database, wherein the recording module is used for recording payment mailbox registration information comprising a payment mailbox account and a payment mailbox password and collection mailbox registration information comprising a collection mailbox account and a collection mailbox password, and the database is used for storing the recording information of the recording module.
In the mailbox payment system of the invention, the payment terminal equipment is also used for generating one or more online payment transactions according to the operation of the payment user and selecting a mailbox payment mode for realizing the one or more online payment transactions.
In the mailbox payment system of the present invention, the mailbox payment verification center further includes a communication module for receiving a payment mailbox login verification request from the payment terminal device, and for sending a prompt message indicating success/failure of submitting the mailbox payment request to the payment terminal device, an extraction module for extracting a first input account and a first input password in the payment mailbox login verification request, an extraction module for comparing the first input account and the first input password with the payment mailbox account and the payment mailbox password stored in the database, respectively, and determining that the first input account is the same as the payment mailbox account and the payment mailbox password, and when the first input password is the same as the payment mailbox password, allowing the payment mailbox login verification request to pass security verification, or determining that the first input account is different from the payment mailbox account or the first input password is different from the payment mailbox password, and the judgment module forbids the payment mailbox to log in the verification request to pass the security verification.
In the mailbox payment system of the present invention, the communication module is further configured to receive a receiving mailbox login verification request returned by the receiving terminal device for confirming the one or more online payment transactions;
the extraction module is also used for extracting a second input account and a second input password in the login verification request of the mailbox, and inputting the second input account and the second input password into the judgment module;
the judgment module is further used for reading a collection mailbox account and a collection mailbox password stored in the database, comparing the collection mailbox account and the collection mailbox password with the second input account and the second input password respectively, and judging that the second input account is the same as the collection mailbox account and the second input password is the same as the collection mailbox password, so that the collection mailbox login verification request is allowed to pass through the safety verification;
the judgment module is also used for forbidding the login verification request of the mailbox to pass the safety verification when the second input account number is different from the account number of the mailbox or the second input password is different from the password of the mailbox;
the communication module is also used for sending prompt information of successful mailbox payment verification to the payment terminal equipment and the collection terminal equipment when the collection mailbox login verification request passes, and sending the electronic money in the one or more online payment transactions to a related bank server;
the communication module is also used for sending prompt information of mailbox payment verification failure to the payment terminal equipment and the collection terminal equipment when the collection mailbox login verification request is not passed.
The mailbox payment method and the mailbox payment system adopt the technical scheme of constructing the mailbox payment verification center which can be in service butt joint with each big bank and is used for realizing batch payment of a plurality of online payment transactions by performing safety verification on the payment mailbox login verification request and the payment mailbox login verification request, so the defects that the safety of a mobile phone verification payment mode in the prior art is not high and a user can only finish one online payment transaction once through the mobile phone verification payment mode are overcome, and the beneficial effect of providing a novel mailbox payment mode which is very convenient in payment operation, higher in safety and capable of realizing batch payment of the plurality of online payment transactions for the user is achieved.
Fig. 1 is a schematic structural diagram of a mailbox payment system according to a preferred embodiment of the present invention;
fig. 2 is a block diagram of a mailbox payment verification center of the mailbox payment system shown in fig. 1;
fig. 3 is a flowchart of a mailbox payment method according to a preferred embodiment of the present invention.
In order to solve the defects that the security of the mobile phone verification payment mode in the prior art is not high, and a user can only complete one online payment transaction once under the condition of adopting the mobile phone verification payment mode, the invention has the main innovation points that:
1) and constructing a mail box payment verification center 200 which can be in business connection with all big banks and is used for realizing online payment of one or more online payment transactions by performing security verification on the payment mail box login verification request and the payment mail box login verification request.
The invention adopts the design of constructing the mailbox payment verification center 200 which can be in business butt joint with various banks and is used for respectively carrying out safety verification on the payment mailbox login verification request and the payment mailbox login verification request so as to realize batch payment of a plurality of online payment transactions, thereby solving the technical problems that the safety of a mobile phone verification payment mode is not high and the payment efficiency of the mobile phone verification payment mode is low in the prior art, and realizing the purpose of providing a mailbox payment mode which is convenient in payment operation, high in safety and capable of realizing batch payment of the plurality of online payment transactions for users.
In order to make the purpose of the present invention more apparent, the present invention will be described in further detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, the mailbox payment system of the present invention includes a payment terminal device 100, a collection terminal device 300, a mailbox payment verification center 200 connected to the payment terminal device 100 and the collection terminal device 300, and a plurality of bank servers 400 connected to the mailbox payment verification center 200.
The payment terminal device 100 is configured to generate one or more online payment transactions according to a user operation, and select a mailbox payment method for implementing the one or more online payment transactions.
The payment terminal device 100 is further configured to submit a mailbox payment verification request for the one or more online payment transactions to the mailbox payment verification center 200.
The mailbox payment verification center 200 is configured to perform security verification on the mailbox payment verification request, and instruct the associated bank server 400 to complete a subsequent settlement process of the online payment transaction when the mailbox payment verification request passes.
The mailbox payment verification center 200 may be an existing mail server. The payment terminal 100/receipt terminal 300 may be any one of a smart phone, a tablet computer, a notebook computer, or a desktop computer.
As shown in fig. 2, the mailbox payment verification center 200 of the present invention includes a determination module 203, an extraction module 202 electrically connected to the determination module 203, a communication module 201, a database, and a recording module 205 electrically connected to the database.
The recording module 205 is configured to record payment mailbox registration information including basic information of the payment user, a payment mailbox account and a payment mailbox password, which is applied by the payment user through the mailbox payment verification center 200. The recording module 205 is further configured to record mailbox registration information including basic information of the receiving user, an account number of the receiving mailbox, and a password of the receiving mailbox, which is applied by the receiving user through the mailbox payment verification center 200.
The database is used for storing the register information of the payment mailbox and the register information of the collection mailbox.
The communication module 201 is configured to receive a mailbox payment verification request including a payment user name, a first input account number, and a first input password, which is submitted by the payment terminal device 100.
The extracting module 202 is configured to extract the payment user name, the first input account number, and the first input password in the mailbox payment verification request, and input the first input account number and the first input password to the determining module 203.
The determining module 203 is configured to receive the first input account and the first input password, read the payment mailbox account and the payment mailbox password corresponding to the payment user name in the database, and compare the first input account and the first input password with the payment mailbox account and the payment mailbox password, respectively.
The determining module 203 is further configured to determine that the first input account is the same as the payment mailbox account and the first input password is the same as the payment mailbox password, allow the mailbox payment verification request to pass, and generate a prompt message that the mailbox payment verification request is successfully submitted.
The communication module 201 is further configured to send a prompt message indicating that the mailbox payment verification request is successfully submitted to the payment terminal device 100, and send payment confirmation information to a designated collection mailbox.
The determining module 203 is further configured to prohibit the mailbox payment verification request from being passed when determining that the first input account is different from the payment mailbox account or that the first input password is different from the payment mailbox password, generate a prompt message indicating that the mailbox payment verification request fails to be submitted, and instruct the communication module 201 to send the prompt message indicating that the mailbox payment verification request fails to be submitted to the payment terminal device 100.
The communication module 201 is further configured to receive a payee mailbox login verification request submitted by the payee terminal device 300 for confirming the one or more online payment transactions.
The extracting module 202 is further configured to extract a receiving user name, a second input account number, and a second input password in the receiving mailbox login authentication request, and input the second input account number, and the second input password into the determining module 203.
The determining module 203 is further configured to read a collection mailbox account and a collection mailbox password corresponding to the collection user name in the database, and compare the second input account and the second input password with the collection mailbox account and the collection mailbox password, respectively.
If the judgment module 203 judges that the second input account is the same as the collection mailbox account and the second input password is the same as the collection mailbox password, the judgment module 203 allows the collection mailbox login verification request to pass the security verification and simultaneously sends a prompt message that mailbox payment verification succeeds to the payment terminal device 100 and the collection terminal device 300; if the determining module 203 determines that the second input account is different from the receiving mailbox account or the second input password is the same as the receiving mailbox password, the determining module 203 prohibits the receiving mailbox login authentication request from passing the security authentication, and simultaneously sends a prompt message indicating that the mailbox payment authentication fails to the payment terminal device 100 and the receiving terminal device 300.
The determining module 203 is further configured to send, through the communication module 201, the electronic money in each online payment transaction to the relevant bank server 400 involved in the online payment transaction when the receiving mailbox login verification request passes, and instruct the bank server 400 to complete a subsequent settlement process of the online payment transaction according to the electronic money.
The mailbox payment method of the present invention will be described below by taking a preferred embodiment of the present invention as an example:
as shown in fig. 3, in step S101, the mailbox payment verification center 200 records, through the recording module 205, payment mailbox registration information including basic information of the payment user, a payment mailbox account and a payment mailbox password registered by the payment user and collection mailbox registration information including basic information of the collection user, a collection mailbox account and a collection mailbox password registered by the collection user, and stores the recorded payment mailbox registration information and collection mailbox registration information in a database.
In step S102, when the mailbox payment verification center 200 receives a payment mailbox login verification request for one or more online payment transactions through the communication module 201, the mailbox payment verification center performs security verification on the payment mailbox login verification request. The payment mailbox login verification process comprises the following steps: the mailbox payment verification center 200 firstly extracts the payment user name, the first input account and the first input password in the payment mailbox login verification request through the extraction module 202, then searches the payment user name, the corresponding payment mailbox account and the corresponding payment mailbox password which are the same as the payment user name in the database through the judgment module 203, and compares the payment mailbox account number and the payment mailbox password with the first input account number and the first input password respectively.
In step S103, if the determining module 203 determines that the payment mailbox account is different from the first input account or the payment mailbox password is different from the first input password, the payment mailbox login authentication request is prohibited from passing the security authentication, and the next step S104 is executed.
If the determining module 203 determines that the payment mailbox account is the same as the first input account and the payment mailbox password is the same as the first input password, the payment mailbox login authentication request is allowed to pass the security authentication, and the next step S105 is executed.
In step S104, the communication module 201 receives the prompt message of the mailbox payment request submission failure generated by the judgment module 203, and transmits the prompt message to the payment terminal device 100.
In step S105, the communication module 201 receives the prompt message that the mailbox payment request generated by the judgment module 203 is successfully submitted and the payment confirmation message, transmits the prompt message that the mailbox payment request is successfully submitted to the payment terminal device 100, and transmits the mailbox payment confirmation prompt message to the designated payee mailbox.
In step S106, the mailbox payment verification center 200 receives the mailbox login verification request for confirming the one or more online payment transactions through the communication module 201, and performs security verification on the mailbox login verification request. The login verification process of the money collection mailbox comprises the following steps: the mailbox payment verification center 200 firstly extracts the collection user name, the second input account number and the second input password in the collection mailbox login verification request through the extraction module 202, then searches the collection user name, the corresponding collection mailbox account number and the collection mailbox password which are the same as the collection user name in the database through the judgment module 203, and respectively compares the collection mailbox account number and the collection mailbox password with the second input account number and the second input password.
In step S107, if the determining module 203 determines that the mailbox receiving account is different from the second input account or the mailbox receiving password is different from the second input password, the receiving mailbox login authentication request for confirming the mailbox payment is prohibited from passing the security authentication, and the next step S108 is executed.
If the judging module 203 judges that the mailbox account is the same as the second input account and the mailbox password is the same as the second input password, the mailbox login authentication request for confirming mailbox payment is allowed to pass the security authentication, and the next step S109 is executed.
In step S108, the mailbox payment verification center 200 simultaneously sends a prompt message indicating that mailbox payment verification is successful to the payment terminal device 100 and the collection terminal device 300 through the communication module 201, sends the electronic money in the one or more online payment transactions to the bank server 400 related to each online payment transaction, and instructs the bank server 400 to complete a subsequent settlement process of the online payment transaction according to the electronic money.
In step S109, the mailbox payment verification center 200 sends the prompt message of mailbox payment verification failure to the payment terminal device 100 and the receiving terminal device 300 through the communication module 201, and then it jumps to step S102.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.
Claims (10)
- A mailbox payment method, characterized by comprising the following steps;s1) when the mailbox payment verification center (200) receives a payment mailbox login verification request aiming at one or more online payment transactions, carrying out security verification on the payment mailbox login verification request;s2) the mailbox payment verification center (200) transmits the prompt message of the failure of submitting the mailbox payment request back to the mailbox of the payer when the login verification request of the mailbox is not passed, or transmits the payment confirmation information aiming at the one or more online payment transactions to the mailbox of the appointed payee when the login verification request of the mailbox is passed;s3), the mailbox payment verification center (200) receives a collection mailbox login verification request for confirming the one or more online payment transactions, carries out safety verification on the collection mailbox login verification request, and indicates the related bank server (400) related to each online payment transaction to finish the subsequent settlement process of the online payment transaction when the collection mailbox login verification request passes.
- A mailbox payment method as claimed in claim 1, further comprising the steps of:s0), the mailbox payment verification center (200) records payment mailbox registration information comprising a payment mailbox account and a payment mailbox password and collection mailbox registration information comprising a collection mailbox account and a collection mailbox password, and stores the recorded information in a database.
- A mailbox payment verification method as claimed in claim 1, wherein between the step S0 and the step S1, further comprising the steps of:s01) the payment terminal equipment (100) generates one or more online payment transactions according to the operation of the payment user and selects a mailbox payment mode for realizing the one or more online payment transactions.
- A mailbox payment method as claimed in claim 1, wherein said step of securely verifying the payment mailbox login operation in step S1 comprises:the mailbox payment verification center (200) extracts a first input account and a first input password in the payment mailbox login verification request, and respectively compares the first input account and the first input password with a payment mailbox account and a payment mailbox password stored in a database;if the mailbox payment verification center (200) judges that the first input account is the same as the payment mailbox account and the first input password is the same as the payment mailbox password, the mailbox login verification request is allowed to pass the security verification, and a prompt message that the mailbox payment request is successfully submitted is sent to the payment terminal equipment (100);if the mailbox payment verification center (200) judges that the first input account is different from the payment mailbox account or judges that the first input password is different from the payment mailbox password, the mailbox login verification request is prohibited from passing the safety verification, and prompt information of mailbox payment request submission failure is generated.
- A mailbox payment method as defined in claim 1, wherein said mailbox payment verification center (200) receives the mailbox login verification request for confirming the one or more online payment transactions in step S3, and the step of securely verifying the mailbox login verification request comprises:the mailbox payment verification center (200) receives a collection mailbox login verification request returned by the collection terminal device (300) and used for confirming the one or more online payment transactions, extracts a second input account and a second input password in the collection mailbox login verification request, and respectively compares the second input account and the second input password with a collection mailbox account and a collection mailbox password stored in a database;if the mailbox payment verification center (200) judges that the second input account is the same as the collection mailbox account and the second input password is the same as the collection mailbox password, the mailbox login verification request is allowed to pass the safety verification, prompt information of mailbox payment verification success is sent to the payment terminal device (100) and the collection terminal device (300), and electronic money in one or more online payment transactions is sent to a related bank server;if the mailbox payment verification center (200) judges that the second input account is different from the collection mailbox account or judges that the second input password is different from the collection mailbox password, the mailbox login verification request is prohibited from passing the safety verification, and a prompt message of mailbox payment verification failure is sent to the payment terminal device (100) and the collection terminal device (300).
- Mailbox payment system using the mailbox payment method as defined in any one of claims 1-5, characterized in that it comprises: the system comprises payment terminal equipment (100), a mailbox payment verification center (200) and collection terminal equipment (300);the mailbox payment verification center (200) is used for receiving a payment mailbox login verification request aiming at one or more online payment transactions from the payment terminal equipment (100), carrying out safety verification on the payment mailbox login verification request, and sending payment confirmation information aiming at the one or more online payment transactions to a designated payee mailbox when the payment mailbox login verification request passes;the mailbox payment verification center (200) is further used for receiving a collection mailbox login verification request returned by the collection terminal device (300) and used for confirming the one or more online payment transactions, performing security verification on the collection mailbox login verification request, and indicating a related bank server (400) related to each online payment transaction to complete a subsequent settlement process of the online payment transaction when the collection mailbox login verification request passes.
- Mailbox payment system as in claim 6 wherein said mailbox payment verification center (200) comprises a recording module (205) for recording the payment mailbox registration information including the payment mailbox account and the payment mailbox password and the collection mailbox registration information including the collection mailbox account and the collection mailbox password, and a database for storing the recording information of said recording module (205).
- A mailbox payment system as claimed in claim 6, wherein the payment terminal device (100) is further configured to generate one or more online payment transactions according to the operation of the payment user and to select a mailbox payment method for implementing the one or more online payment transactions.
- The mailbox payment system as claimed in claim 7, wherein the mailbox payment verification center (200) further comprises a communication module (201) for receiving a payment mailbox login verification request from the payment terminal device (100) and for sending a prompt message indicating success/failure of mailbox payment request submission to the payment terminal device (100), an extraction module (202) for extracting a first input account and a first input password in the payment mailbox login verification request, an extraction module for comparing the first input account and the first input password with the payment mailbox account and the payment mailbox password stored in the database, respectively, and determining that the first input account is the same as the payment mailbox account and the first input password is the same as the payment mailbox password, allowing the payment mailbox login verification request to pass the security verification, or the judging module (203) forbids the payment mailbox login authentication request to pass the security authentication when judging that the first input account is different from the payment mailbox account or the first input password is different from the payment mailbox password.
- A mailbox payment system as claimed in claim 7, wherein said communication module (201) is further configured to receive a payee mailbox login verification request returned by said payee terminal device (300) for confirming the one or more online payment transactions;the extraction module (202) is also used for extracting a second input account and a second input password in the login authentication request of the collection mailbox, and inputting the second input account and the second input password into the judgment module (203);the judgment module (203) is further configured to read a collection mailbox account and a collection mailbox password stored in the database, compare the collection mailbox account and the collection mailbox password with the second input account and the second input password, respectively, and judge that the second input account is the same as the collection mailbox account and the second input password is the same as the collection mailbox password, thereby allowing the collection mailbox login verification request to pass security verification;the judging module (203) is also used for forbidding the login verification request of the collection mailbox to pass the safety verification when judging that the second input account number is different from the collection mailbox account number or the second input password is different from the collection mailbox password;the communication module (201) is further configured to send a prompt message indicating successful mailbox payment verification to the payment terminal device (100) and the collection terminal device (300) when the collection mailbox login verification request passes, and send the electronic money in the one or more online payment transactions to a relevant bank server;the communication module (201) is further configured to send a prompt message indicating that mailbox payment verification fails to be performed to the payment terminal device (100) and the collection terminal device (300) when a collection mailbox login verification request is not passed.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2014/083839 WO2016019535A1 (en) | 2014-08-06 | 2014-08-06 | Mailbox payment method and mailbox payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105431870A true CN105431870A (en) | 2016-03-23 |
Family
ID=55263014
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201480003218.0A Pending CN105431870A (en) | 2014-08-06 | 2014-08-06 | Mailbox payment method and mailbox payment system |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN105431870A (en) |
| CA (1) | CA2993684C (en) |
| WO (1) | WO2016019535A1 (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109165935A (en) * | 2018-07-02 | 2019-01-08 | 平安科技（深圳）有限公司 | Batch payment method, device, computer equipment and storage medium |
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 |
| US20070198409A1 (en) * | 2004-08-27 | 2007-08-23 | Charles Mason | E-mail bank account statement for internet banking when carrying out online payments via e-mail and method for preparing an e-mail bank account statement |
| CN101093569A (en) * | 2006-06-23 | 2007-12-26 | 上海浦东发展银行股份有限公司 | A method for electronic funds transfer |
| CN101950451A (en) * | 2010-08-19 | 2011-01-19 | 中国民生银行股份有限公司 | Method and system for processing collection and payment among bank accounts |
| CN101996368A (en) * | 2009-08-21 | 2011-03-30 | 阿里巴巴集团控股有限公司 | Cross-bank batch paying method and cross-bank batch paying system |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101594350A (en) * | 2008-05-26 | 2009-12-02 | 鸿富锦精密工业（深圳）有限公司 | The verifying E-mail password system and method |
| US9704148B2 (en) * | 2012-07-27 | 2017-07-11 | @Pay Ip Holdings Llc | Email payment gateway for e-commerce |
| CN103729760A (en) * | 2012-10-16 | 2014-04-16 | 中国银联股份有限公司 | On-line payment method and system |
| US8762272B1 (en) * | 2012-12-27 | 2014-06-24 | Google Inc. | Management of emails containing payments |
-
2014
- 2014-08-06 CN CN201480003218.0A patent/CN105431870A/en active Pending
- 2014-08-06 WO PCT/CN2014/083839 patent/WO2016019535A1/en active Application Filing
- 2014-08-06 CA CA2993684A patent/CA2993684C/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 |
| US20070198409A1 (en) * | 2004-08-27 | 2007-08-23 | Charles Mason | E-mail bank account statement for internet banking when carrying out online payments via e-mail and method for preparing an e-mail bank account statement |
| CN101093569A (en) * | 2006-06-23 | 2007-12-26 | 上海浦东发展银行股份有限公司 | A method for electronic funds transfer |
| CN101996368A (en) * | 2009-08-21 | 2011-03-30 | 阿里巴巴集团控股有限公司 | Cross-bank batch paying method and cross-bank batch paying system |
| CN101950451A (en) * | 2010-08-19 | 2011-01-19 | 中国民生银行股份有限公司 | Method and system for processing collection and payment among bank accounts |
Also Published As
| Publication number | Publication date |
|---|---|
| CA2993684C (en) | 2019-01-08 |
| WO2016019535A1 (en) | 2016-02-11 |
| CA2993684A1 (en) | 2016-02-11 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11829988B2 (en) | Systems and methods for transacting at an ATM using a mobile device | |
| US11941615B2 (en) | Method and system for transmitting credentials | |
| US20220300963A1 (en) | Bifurcated digital wallet systems and methods for processing transactions using information extracted from multiple sources | |
| US10764269B2 (en) | Method and system for creating a unique identifier | |
| US10433128B2 (en) | Methods and systems for provisioning multiple devices | |
| US8073770B2 (en) | Person-to-person funds transfer | |
| US10181122B2 (en) | Mobile authentication for web payments using single sign on credentials | |
| US20150339640A1 (en) | Payment support method and system | |
| US20140324701A1 (en) | Method for completing payment by using two mobile terminals | |
| US20150161620A1 (en) | System and method for risk and fraud mitigation for merchant on-boarding | |
| CN102197407A (en) | System and method of secure payment transactions | |
| US20160034891A1 (en) | Method and system for activating credentials | |
| JP2016523417A (en) | Electronic transaction method, system and payment platform system | |
| WO2015017488A1 (en) | Consolidated retailer-operated electronic payment system | |
| US10489565B2 (en) | Compromise alert and reissuance | |
| US20170353448A1 (en) | Electronic mechanism to self-authenticate and automate actions | |
| CN104899742A (en) | Data transfer method, mobile terminal and server | |
| CN105719130B (en) | Payment verification method, device and system | |
| US20230077942A1 (en) | Securing card payment transactions made by telephone | |
| CN105431870A (en) | Mailbox payment method and mailbox payment system | |
| US11645643B2 (en) | System for harnessing a connected network to securely verify a transaction | |
| WO2014146286A1 (en) | Secure payment system and method for bank card by using real-time communication | |
| WO2016045305A1 (en) | Method, system and server for secure transaction using wireless security devices | |
| TW202013293A (en) | Account transfer platform, transfer-out or transfer-in acceptance mechanism, computer storage medium, and execution method | |
| WO2022251337A1 (en) | User verification with digital tag |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20160323 |
|
| WD01 | Invention patent application deemed withdrawn after publication |