CN105488670A - Payment request processing method, apparatus and system - Google Patents
Payment request processing method, apparatus and system Download PDFInfo
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- CN105488670A CN105488670A CN201510821690.1A CN201510821690A CN105488670A CN 105488670 A CN105488670 A CN 105488670A CN 201510821690 A CN201510821690 A CN 201510821690A CN 105488670 A CN105488670 A CN 105488670A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a payment request processing method, apparatus and system, and belongs to the field of electronic payment. The method comprises the steps that a first terminal sends a transaction request to a server; the server looks for a transaction record of a previous successful transaction related to the first terminal in a database in response to the transaction request, and if a corresponding electronic signing picture or user confirmation information exists in the found transaction record, the server sends a transaction permission message to the first terminal, otherwise, the server sends a transaction rejection message to the first terminal; the first terminal prompts a user to provide a transaction document of the previous successful transaction when receiving the transaction rejection message; and the server verifies a first transaction document when receiving a transaction release request carrying the first transaction document provided by the user, and when the verification is passed, the server sends a transaction release notice to the first terminal and adds the corresponding user confirmation information into the transaction record of the previous successful transaction related to the first terminal.
Description
Technical field
The present invention relates to E-Payment field, in particular to a kind of method, the Apparatus and system that pay request process.
Background technology
At present, payment terminal such as mobile phone POS machine or POS can exempt the trouble that trade company preserves papery receipt when adopting electronic signature, rapid and convenient and be beneficial to environmental protection.When there is dispute order, what can directly store in calling data storehouse purchases picture to provide strong transaction evidence about the electronics label in the transaction record of this dispute order, thus prevents acquirer economic loss.But, certain transaction that payment terminal is carried out is after disburser completes signature, its electronics label are purchased picture and may unsuccessfully due to factors such as networks be uploaded onto the server, and cause the signature voucher lacking disburser in transaction record relevant to this transaction in database.Therefore, possibly cannot adjust list when dispute appears in this transaction after completion of transactions, thus cause acquirer economic loss.
Summary of the invention
Given this, the object of the present invention is to provide a kind of method, the Apparatus and system that pay request process, to improve the problem causing acquirer economic loss when disputing on appears in transaction after completion of transactions that in prior art, payment terminal is carried out because Transaction Information is imperfect.
First embodiment of the invention provides a kind of and pays request processing method, comprising: first terminal sends transaction request to server, carries the first terminal mark of described first terminal in described transaction request; Described server is identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal; When described first terminal receives described refusal transaction message, prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal to the second terminal, when described second terminal gets the first transaction voucher that described user provides, send transaction clearance request to described server, in described transaction clearance request, carry described first transaction voucher; Described server is let pass according to described transaction and is asked, voucher of being concluded the business by transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal mates, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
Second embodiment of the invention provides a kind of and pays request processing method, comprise: first terminal sends transaction request to server, the first terminal mark of described first terminal is carried in described transaction request, the transaction record searching a upper Successful Transaction relevant with described first terminal is identified in default database according to described first terminal to make described server, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal, when described first terminal receives described refusal transaction message, prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal.
Third embodiment of the invention provides a kind of and pays request processing method, comprising: server receives the transaction request that first terminal sends, and carries the first terminal mark of described first terminal in described transaction request; Described server is identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal; Described server receives transaction that the second terminal sends and to let pass request, and described transaction carries described user and is supplied to first of a upper Successful Transaction relevant with described first terminal of described second terminal and concludes the business voucher in letting pass and asking; Described server mates according to described transaction request of letting pass voucher of being concluded the business by the transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
Fourth embodiment of the invention provides a kind of and pays demand processing system, comprise first terminal, server and the second terminal, described first terminal is used for sending transaction request to described server, carries the first terminal mark of described first terminal in described transaction request; Described server is identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal; Described first terminal is also for when receiving described refusal transaction message, and prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal to the second terminal; Described second terminal is used for, when getting the first transaction voucher that described user provides, sending to described server the request of letting pass of concluding the business, and described transaction carries the first transaction voucher that described user provides in letting pass and asking; Described server is also for request of letting pass according to described transaction, voucher of being concluded the business by transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal mates, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
Fifth embodiment of the invention provides a kind of and pays request treating apparatus, run on user terminal, comprise: the first sending module, for sending transaction request to server, the first terminal mark of described first terminal is carried in described transaction request, the transaction record searching a upper Successful Transaction relevant with described first terminal is identified in default database according to described first terminal to make described server, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal, first receiver module, for receiving described refusal transaction message, first display module, for receiving the first prompting message when described refusal transaction message shows at described first receiver module, with the transaction voucher of pointing out user to provide a upper Successful Transaction relevant with described first terminal.
Sixth embodiment of the invention provides a kind of and pays request treating apparatus, runs on server, comprising: the second receiver module, for receiving the transaction request that first terminal sends, carries the first terminal mark of described first terminal in described transaction request; First processing module, for being identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, and confirm that whether there are corresponding electronics label in the transaction record of a described upper Successful Transaction purchases picture or user's confirmation, if existed, send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal; The transaction that described second receiver module also sends for receiving the second terminal is let pass request, and described transaction carries described user and is supplied to first of a upper Successful Transaction relevant with described first terminal of described second terminal and concludes the business voucher in letting pass and asking; Described first processing module is also mated for request of letting pass according to described transaction voucher of being concluded the business by the transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
Relative to prior art, in the method, Apparatus and system of the payment request process of various embodiments of the present invention proposition, when first terminal sends transaction request to server, server confirms that whether there are corresponding electronics label in the transaction record of the last Successful Transaction relevant with first terminal purchases picture or user's confirmation, if existed, send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal; When first terminal receives refusal transaction message, the transaction clearance request carrying the first transaction voucher that user provides is sent by the second terminal to server, server mates according to the transaction request of letting pass voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.Like this, before carrying out every transaction, exist when corresponding electronics label purchase picture or user's confirmation in the transaction record of the upper once Successful Transaction that server all can be relevant with first terminal in confirmation and just allow first terminal to carry out this transaction; When picture purchased by corresponding electronics label and user's confirmation does not all exist, transaction confirmation message can be provided to carry out the transaction record of perfect last Successful Transaction by user, and thus enable first terminal carry out this transaction.Therefore, picture is purchased for electronics label and does not upload successful transaction, even if this transaction is disputed on after completion of transactions also can call user's confirmation in the transaction record of this transaction to provide strong transaction evidence, thus prevents acquirer economic loss.
For making above and other object of the present invention, feature and advantage can become apparent, preferred embodiment cited below particularly, and coordinate institute's accompanying drawings, are described in detail below.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.Shown in accompanying drawing, above-mentioned and other object of the present invention, Characteristics and advantages will be more clear.Reference numeral identical in whole accompanying drawing indicates identical part.Deliberately do not draw accompanying drawing by physical size equal proportion convergent-divergent, focus on purport of the present invention is shown.
Fig. 1 is applied environment schematic diagram of the present invention;
The process flow diagram of the payment request processing method that Fig. 2 provides for first embodiment of the invention;
The process flow diagram of a concrete example of the payment request processing method that Fig. 3 provides for first embodiment of the invention;
Fig. 4 is one of interactive interface schematic diagram in example concrete Fig. 3 Suo Shi shown by first terminal;
Fig. 5 is the interactive interface schematic diagram two in example concrete Fig. 3 Suo Shi shown by first terminal;
Fig. 6 is the interactive interface schematic diagram three in example concrete Fig. 3 Suo Shi shown by first terminal;
The process flow diagram of another concrete example of the payment request processing method that Fig. 7 provides for first embodiment of the invention;
Fig. 8 is one of interactive interface schematic diagram in example concrete Fig. 7 Suo Shi shown by first terminal;
Fig. 9 is the interactive interface schematic diagram two in example concrete Fig. 7 Suo Shi shown by first terminal;
The process flow diagram of the payment request processing method that Figure 10 provides for second embodiment of the invention;
The process flow diagram of the payment request processing method that Figure 11 provides for third embodiment of the invention;
A kind of structural representation paying demand processing system that Figure 12 provides for fourth embodiment of the invention;
The structural representation of another payment demand processing system that Figure 13 provides for fifth embodiment of the invention;
The structural representation of the payment request treating apparatus that Figure 14 provides for sixth embodiment of the invention;
The structural representation of the payment request treating apparatus that Figure 15 provides for seventh embodiment of the invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, carry out clear, complete description to the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The following each embodiment of the present invention all can be applicable in environment as shown in Figure 1, and as shown in Figure 1, server 100 is connected with user terminal 200 by wired or wireless network.Wherein, user terminal 200 can comprise the terminal devices such as POS (pointofsale) machine, mobile phone POS machine, PC (personalcomputer) computer, panel computer, mobile phone, notebook computer.
In the embodiment of the present invention, first terminal can for having the user terminal of intelligent payment function, such as POS or mobile phone POS machine; Second terminal can be such as mobile phone POS machine, mobile phone, PC computer, panel computer, notebook computer.In the embodiment of the present invention, first terminal, the second terminal, server directly can be connected by communication network.First terminal, the second terminal, server can establish a communications link in Wi-Fi (Wireless Fidelity) network, 2G/3G/4G network or LAN (Local Area Network).
In embodiments of the present invention, the first terminal of first terminal mark is preferably the identification number of first terminal, and such as first terminal No. ID of apply for when activating the service, the first terminal of first terminal identifies and is stored in default database.When user carries out payment transaction by first terminal, the every transaction undertaken by this first terminal all can save as corresponding transaction record in a database.That is, the transaction record of the Successful Transaction relevant with first terminal and the transaction record of failed transactions is preserved in database.Particularly, the transaction record of relevant with first terminal failed transactions can comprise the data item such as first terminal mark, transaction journal number, exchange hour, loco, stateful transaction (such as " failure ").The transaction record of the Successful Transaction relevant with first terminal can comprise first terminal mark, the data item such as picture, user's confirmation purchased by transaction journal number, exchange hour, loco, stateful transaction (such as " success "), electronics label.
Picture purchased by electronics label is by disburser after transaction payment completes, the picture formed after the disburser of first terminal display signs interface signature.Every the payment transaction undertaken by first terminal all can be generated corresponding electronics label and purchase picture after transaction payment completes.Particularly, carry out in the process of payment transaction at first terminal, the dealing money inputted by user and the payment account information inputted by disburser and payment cipher are sent to server by first terminal, and then server carries out delivery operation according to received dealing money, payment account information and payment cipher and sends transaction payment success message to first terminal paying successfully; First terminal shows disburser when receiving payment transaction success message to disburser and to sign interface, signs on disburser signs interface to make disburser; First terminal generates when receiving the signature that disburser to sign disburser on interface and purchases picture to the electronics label that this concludes the business relevant, and it uploads onto the server, conclude the business in relevant transaction record to this in a database these electronics label are purchased picture preservation by server.In embodiments of the present invention, user can be different main bodys from disburser, can also be identical main body both it.
In the embodiment of the present invention, first terminal and the second terminal can be different terminals, and such as first terminal is POS, and the second terminal is mobile phone; In addition, first terminal and the second terminal can also be same terminals, and such as first terminal and the second terminal are same mobile phone POS machine.
Server in the embodiment of the present invention can comprise multiple servers such as WEB server, authentication server, management server, paying server, also can be a server.
Method, the Apparatus and system of the payment transaction process that following various embodiments of the present invention provide, when first terminal sends transaction request to server, server confirms that whether there are corresponding electronics label in the transaction record of the last Successful Transaction relevant with first terminal purchases picture or user's confirmation, if existed, send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal; When first terminal receives refusal transaction message, the transaction clearance request carrying the first transaction voucher that user provides is sent by the second terminal to server, server mates according to the transaction request of letting pass voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.Like this, before carrying out every transaction, exist when corresponding electronics label purchase picture or user's confirmation in the transaction record of the upper once Successful Transaction that server all can be relevant with first terminal in confirmation and just allow first terminal to carry out this transaction; When picture purchased by corresponding electronics label and user's confirmation does not all exist, transaction confirmation message can be provided to carry out the transaction record of perfect last Successful Transaction by user, and thus enable first terminal carry out this transaction.Therefore, picture is purchased for electronics label and does not upload successful transaction, even if this transaction is disputed on after completion of transactions also can call user's confirmation in the transaction record of this transaction to provide strong transaction evidence, thus prevents acquirer economic loss.
First embodiment
The process flow diagram of the payment request processing method that Fig. 2 provides for first embodiment of the invention.Refer to Fig. 2, the present embodiment is between first terminal, the second terminal, server being main description this method alternately.Particularly, the payment request processing method that the present embodiment provides comprises the following steps.
Step S11, first terminal sends transaction request to server, carries the first terminal mark of first terminal in this transaction request.
When user needs to carry out concrete delivery operation, first terminal can receive the transaction request that user triggers, and received transaction request is sent to server.
Step S12, server is identified in default database the transaction record searching a upper Successful Transaction relevant with first terminal according to first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal.
Described database can be the database for store transaction logs pre-set, and it can comprise in the server, also can be located at server outward.When server receives the transaction request of first terminal transmission, the first terminal that can carry in this transaction request identifies as index, retrieves the All Activity record relevant with first terminal in a database, and is obtained the transaction record of a upper Successful Transaction relevant with first terminal by the exchange hour item in transaction record and stateful transaction item.If have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, this transaction that server allows first terminal to initiate, otherwise this transaction that refusal first terminal is initiated.
Further, when first terminal receives the permission transaction message of server transmission, following information can be shown to user: user is current can be concluded the business by first terminal this information for pointing out.
Step S13, when first terminal receives refusal transaction message, prompting user provides the transaction voucher of a upper Successful Transaction relevant with first terminal to the second terminal, when the second terminal gets the first transaction voucher that user provides, send transaction clearance request to server, in this transaction clearance request, carry the first transaction voucher.
In a kind of embodiment of the present invention, when first terminal receives refusal transaction message, the communication number of user second terminal can be informed, and point out user to be provided the transaction voucher of a upper Successful Transaction relevant with first terminal to the second terminal by described communication number.User can utilize described communication number to send a telegraph to the second terminal, and the transaction voucher of a upper Successful Transaction relevant with first terminal is provided in communication process, the second terminal is carried out electronic recording to this call and the transaction clearance request comprising this electronic recording is sent to server.In addition, user can utilize described communication number to send short message to the second terminal, comprise the transaction voucher of the upper Successful Transaction relevant with first terminal that user provides in this short message, the transaction clearance request comprising this short message can be sent to server by the second terminal.
In another kind of embodiment of the present invention, first terminal and the second terminal can be same terminals.In the case, when first terminal receives refusal transaction message, user can be pointed out to input the transaction voucher of a upper Successful Transaction relevant with first terminal at first terminal, and send the transaction clearance request carrying the first transaction voucher when getting the first transaction voucher that user provides to server.
The first transaction voucher that user provides can be the unique identification information of the transaction journal of a upper Successful Transaction relevant with first terminal number or a upper Successful Transaction relevant with first terminal.
Step S14, server mates according to the transaction request of letting pass voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.
In a kind of embodiment of the present invention, also point out user to provide first terminal identify to the second terminal when first terminal receives refusal transaction message, carry the first transaction voucher and first terminal and the transaction that therefore the second terminal is sent to server is let pass in request and identify.When receiving transaction clearance request, server searches the transaction record of a upper Successful Transaction relevant with first terminal in a database according to first terminal mark, and voucher of then being concluded the business by the transaction voucher and first searched in the transaction record that obtains mates.
Described user's confirmation can comprise described transaction let pass request, described coupling result, send the information such as time of transaction Rleasing Notice.
In the payment request processing method that the present embodiment provides, when first terminal sends transaction request to server, server confirms that whether there are corresponding electronics label in the transaction record of the last Successful Transaction relevant with first terminal purchases picture or user's confirmation, if existed, send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal; When first terminal receives refusal transaction message, the transaction clearance request carrying the first transaction voucher that user provides is sent by the second terminal to server, server mates according to the transaction request of letting pass voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.Like this, before carrying out every transaction, exist when corresponding electronics label purchase picture or user's confirmation in the transaction record of the upper once Successful Transaction that server all can be relevant with first terminal in confirmation and just allow first terminal to carry out this transaction; When picture purchased by corresponding electronics label and user's confirmation does not all exist, transaction confirmation message can be provided to carry out the transaction record of perfect last Successful Transaction by user, and thus enable first terminal carry out this transaction.Therefore, picture is purchased for electronics label and does not upload successful transaction, even if this transaction is disputed on after completion of transactions also can call user's confirmation in the transaction record of this transaction to provide strong transaction evidence, thus prevents acquirer economic loss.
The process flow diagram of a concrete example of the payment request processing method that Fig. 3 provides for the present embodiment.Refer to Fig. 3, in the present embodiment, take first terminal as mobile phone POS machine, the second terminal is the mobile phone that manipulated by contact staff for example is described.Below in conjunction with Fig. 4 to Fig. 6, further detailed description is carried out to the present embodiment.
Suppose that user sends transaction request by mobile phone POS machine to server, in this transaction request, carry No. ID of described mobile phone POS machine; When receiving transaction request, server searches the transaction record of a upper Successful Transaction relevant with described mobile phone POS machine in the database preset according to this No. ID.Particularly, server can retrieve the All Activity record relevant with described mobile phone POS machine in a database using this No. ID as index, and obtains the transaction record of a upper Successful Transaction relevant with described mobile phone POS machine by the exchange hour item in transaction record and stateful transaction item.Have corresponding electronics label to purchase picture or user's confirmation if searched in the transaction record obtained, then server sends to described mobile phone POS machine and allows transaction message.Receive allow transaction message time, user is current can carry out payment transaction for the prompting of described mobile phone POS machine.Fig. 4 is when receiving permission transaction message in the present embodiment, the schematic diagram of the interactive interface that described mobile phone POS machine is shown to user.Please refer to Fig. 4, after the prompting message that user can provide at the described mobile phone POS machine of reading, click START button to start to carry out this payment transaction.
When receiving refusal transaction message, described mobile phone POS machine can show another information to user.Fig. 5 is when receiving refusal transaction message in the present embodiment, the schematic diagram of the interactive interface that described mobile phone POS machine is shown to user.Please refer to Fig. 5, user can carry out corresponding operating after the prompting message that the described mobile phone POS machine of reading provides.
User can dial the communication number that described mobile phone POS machine is pointed out provides No. ID of described mobile phone POS machine and transaction journal number from a upper Successful Transaction relevant with described mobile phone POS machine to the mobile phone that contact staff manipulates, and the mobile phone of contact staff's manipulation carries out electronic recording to this call and the transaction clearance request of carrying described No. ID and transaction journal number is sent to server.Particularly, clearance request of concluding the business can carry described electronic recording.
In addition, communication number that user can also point out on described mobile phone POS machine sends short message provides No. ID of described mobile phone POS machine and a upper Successful Transaction relevant with described mobile phone POS machine transaction journal number with mobile phone manipulate to contact staff, and the mobile phone of contact staff's manipulation is sent to server by carrying described No. ID with the transaction clearance request of transaction journal number.Particularly, clearance request of concluding the business can carry described short message.
Server is when receiving transaction clearance request, No. ID and transaction journal number that user provides first can be extracted from request is let pass in this transaction, then the transaction record of a upper Successful Transaction relevant with described mobile phone POS machine is searched in a database according to described No. ID, transaction journal in the transaction record of a upper Successful Transaction relevant with described mobile phone POS machine number is mated with the transaction journal number that user provides, if coupling, then send transaction Rleasing Notice to described mobile phone POS machine and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described mobile phone POS machine, if do not mated, refusal transaction is let pass and is asked.Described user's confirmation can comprise transaction record request, described coupling result and send transaction Rleasing Notice time etc., to represent the confirmation of user's pair upper Successful Transaction relevant with described mobile phone POS machine.
When receiving transaction Rleasing Notice, described mobile phone POS machine can also show another information to user.Fig. 6 is when receiving transaction Rleasing Notice in the present embodiment, the schematic diagram of the interactive interface that described mobile phone POS machine is shown to user.Please refer to Fig. 6, user can click START button and carry out this payment transaction after the prompting message that the described mobile phone POS machine of reading provides.
The process flow diagram of another concrete example of the payment request processing method that Fig. 7 provides for the present embodiment.Refer to Fig. 7, in the present embodiment, first terminal and the second terminal are same terminal, take first terminal as mobile phone POS machine for example is described.Below in conjunction with Fig. 8 and Fig. 9, further detailed description is carried out to the present embodiment.It should be noted that the following key distinction part only describing this concrete example and above-mentioned example.
In this example, when receiving refusal transaction message, described mobile phone POS machine can send the prompting of transaction clearance request to server by this mobile phone POS machine to user's display reminding user.Fig. 8 is when receiving refusal transaction message in the present embodiment, the schematic diagram of the interactive interface that described mobile phone POS machine is shown to user.Please refer to Fig. 8, user can select "Yes" or "No" button to carry out corresponding operating after the prompting message that the described mobile phone POS machine of reading provides.
When user selects "Yes" button, described mobile phone POS machine can obtain the transaction journal number of the upper Successful Transaction relevant with described mobile phone POS machine that user provides, Fig. 9 for obtain user in the present embodiment and provide transaction journal time, the schematic diagram of the interactive interface that described mobile phone POS machine is shown to user.When user is after the interface shown in Fig. 9 inputs corresponding information and clicks " submission " button, the transaction clearance request of carrying the transaction journal that obtains to some extent number can be sent to server by described mobile phone POS machine, mates the transaction journal number that user provides to make server.
In the method that the embodiment of the present invention provides, before carrying out every transaction, exist when corresponding electronics label purchase picture or user's confirmation in the transaction record of the upper once Successful Transaction that server all can be relevant with first terminal in confirmation and just allow first terminal to carry out this transaction; When picture purchased by corresponding electronics label and user's confirmation does not all exist, transaction confirmation message can be provided to carry out the transaction record of perfect last Successful Transaction by user, and thus enable first terminal carry out this transaction.Therefore, picture is purchased for electronics label and does not upload successful transaction, even if this transaction is disputed on after completion of transactions also can call user's confirmation in the transaction record of this transaction to provide strong transaction evidence, thus prevents acquirer economic loss.
Be understandable that, the particular content just citing of the position of the button in Fig. 4 to Fig. 6 and Fig. 8, concrete form and operation indicating, does not form limitation of the invention.
Second embodiment
The process flow diagram of the payment request processing method that Figure 10 provides for second embodiment of the invention.Refer to Figure 10, the payment request processing method of the present embodiment performed by first terminal, comprises the following steps:
Step S21, first terminal sends transaction request to server, the first terminal mark of first terminal is carried in this transaction request, the transaction record searching a upper Successful Transaction relevant with first terminal is identified in default database according to first terminal to make server, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal;
Step S22, when first terminal receives refusal transaction message, prompting user provides the transaction voucher of a upper Successful Transaction relevant with first terminal.
In a kind of embodiment, when first terminal receives refusal transaction message, prompting user inputs the transaction voucher of a upper Successful Transaction relevant with first terminal at first terminal; When first terminal gets the first transaction voucher that user provides, transaction clearance request is sent to server, this transaction carries the first transaction voucher in letting pass and asking, mate according to the transaction request of the letting pass transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal concluded the business voucher to make server, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.
The specific implementation process of above step with reference to the correlation step in the first embodiment, can repeat no more here.
In the payment request processing method that the present embodiment provides, when first terminal sends transaction request to server, server confirms that whether there are corresponding electronics label in the transaction record of the last Successful Transaction relevant with first terminal purchases picture or user's confirmation, if existed, send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal; When first terminal receives refusal transaction message, the transaction clearance request carrying the first transaction voucher that user provides is sent to server, server mates according to the transaction request of letting pass voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.Like this, before carrying out every transaction, exist when corresponding electronics label purchase picture or user's confirmation in the transaction record of the upper once Successful Transaction that server all can be relevant with first terminal in confirmation and just allow first terminal to carry out this transaction; When picture purchased by corresponding electronics label and user's confirmation does not all exist, transaction confirmation message can be provided to carry out the transaction record of perfect last Successful Transaction by user, and thus enable first terminal carry out this transaction.Therefore, picture is purchased for electronics label and does not upload successful transaction, even if this transaction is disputed on after completion of transactions also can call user's confirmation in the transaction record of this transaction to provide strong transaction evidence, thus prevents acquirer economic loss.
3rd embodiment
The process flow diagram of the payment request processing method that Figure 11 provides for third embodiment of the invention.Refer to Figure 11, the payment request processing method of the present embodiment performed by server, comprises the following steps:
Step S31, server receives the transaction request that first terminal sends, and carries the first terminal mark of first terminal in this transaction request;
Step S32, server is identified in default database the transaction record searching a upper Successful Transaction relevant with first terminal according to first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal;
Step S33, server receives the transaction clearance request that the second terminal sends, and this transaction carries the first transaction voucher that user is supplied to a upper Successful Transaction relevant with first terminal of the second terminal in letting pass and asking;
Step S34, server mates according to the transaction request of letting pass voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.
The specific implementation process of above step with reference to the correlation step in the first embodiment, can repeat no more here.
In the payment request processing method that the present embodiment provides, when first terminal sends transaction request to server, server confirms that whether there are corresponding electronics label in the transaction record of the last Successful Transaction relevant with first terminal purchases picture or user's confirmation, if existed, send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal; When first terminal receives refusal transaction message, the transaction clearance request carrying the first transaction voucher that user provides is sent by the second terminal to server, server mates according to the transaction request of letting pass voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.Like this, before carrying out every transaction, exist when corresponding electronics label purchase picture or user's confirmation in the transaction record of the upper once Successful Transaction that server all can be relevant with first terminal in confirmation and just allow first terminal to carry out this transaction; When picture purchased by corresponding electronics label and user's confirmation does not all exist, transaction confirmation message can be provided to carry out the transaction record of perfect last Successful Transaction by user, and thus enable first terminal carry out this transaction.Therefore, picture is purchased for electronics label and does not upload successful transaction, even if the user's confirmation also can called when dispute occurs after completion of transactions in this transaction in the transaction record of this transaction is to provide strong transaction evidence, thus prevents acquirer economic loss.
4th embodiment
A kind of structural representation paying demand processing system that Figure 12 provides for fourth embodiment of the invention.Refer to Figure 12, the payment demand processing system 400 that the present embodiment provides can comprise first terminal 410, server 420 and the second terminal 430.
First terminal 410, for sending transaction request to server 420, carries the first terminal mark of first terminal 410 in this transaction request.
Server 420 is identified in default database the transaction record searching a upper Successful Transaction relevant with first terminal 410 according to first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to first terminal 410 and allow transaction message, otherwise, send refusal transaction message to first terminal 410.
First terminal 410 is also for when receiving refusal transaction message, and prompting user provides the transaction voucher of a upper Successful Transaction relevant with first terminal 410 to the second terminal 430.
Second terminal 430 is for when getting the first transaction voucher that user provides, and let pass to server 420 transmission transaction and ask, this transaction carries the first transaction voucher in letting pass and asking.
Server 420 also mates for voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal 410 according to the transaction request of letting pass, if coupling, then send transaction Rleasing Notice to first terminal 410 and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal 410, if do not mated, refusal transaction clearance request.
It should be noted that, in the system of the embodiment of the present invention, the function of each equipment can according to the method specific implementation in said method embodiment, and its specific implementation process with reference to the associated description of said method embodiment, can be not repeated herein.
5th embodiment
The structural representation of another payment demand processing system that Figure 13 provides for fifth embodiment of the invention.Refer to Figure 13, the payment demand processing system 500 that the present embodiment provides can comprise first terminal 510 and server 520.
First terminal 510, for sending transaction request to server 520, carries the first terminal mark of first terminal 510 in this transaction request.
Server 520 is identified in default database the transaction record searching a upper Successful Transaction relevant with first terminal 510 according to first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to first terminal 510 and allow transaction message, otherwise, send refusal transaction message to first terminal 510.
First terminal 510 is also for when receiving refusal transaction message, and prompting user inputs the transaction voucher of a upper Successful Transaction relevant with first terminal 510 on first terminal 510.
First terminal 510 is also for when getting the first transaction voucher that user provides, and let pass to server 520 transmission transaction and ask, this transaction carries the first transaction voucher in letting pass and asking.
Server 520 also mates for voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal 510 according to the transaction request of letting pass, if coupling, then send transaction Rleasing Notice to first terminal 510 and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal 510, if do not mated, refusal transaction clearance request.
It should be noted that, in the system of the embodiment of the present invention, the function of each equipment can according to the method specific implementation in said method embodiment, and its specific implementation process with reference to the associated description of said method embodiment, can be not repeated herein.
6th embodiment
The structural representation of the payment request treating apparatus that Figure 14 provides for sixth embodiment of the invention.Refer to Figure 14, the device that the present embodiment provides can run on user terminal, and this payment request treating apparatus 600 can comprise:
First sending module 610, for sending transaction request to server, the first terminal mark of first terminal is carried in this transaction request, the transaction record searching a upper Successful Transaction relevant with first terminal is identified in default database according to first terminal to make server, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal;
First receiver module 620, for receiving refusal transaction message;
First display module 630, shows the first prompting message, with the transaction voucher of pointing out user to provide a upper Successful Transaction relevant with first terminal during for receiving refusal transaction message at the first receiver module 620.
Further, showing the second prompting message the first display module 630 is also for receiving refusal transaction message during at the first receiver module 620, inputting the transaction voucher of a upper Successful Transaction relevant with first terminal to point out user at first terminal.First receiver module 620 is also for receiving the first transaction voucher that user provides.First sending module 610 is also for sending transaction clearance request to server, this transaction carries the first transaction voucher in letting pass and asking, mate according to the transaction request of the letting pass transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal concluded the business voucher to make server, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.
Each module can be by software code realization above, and now, above-mentioned each module can be stored in the storer of user terminal.Each module can be realized by hardware such as integrated circuit (IC) chip equally above.
The present embodiment, to the detailed process of each Implement of Function Module function separately paying request treating apparatus 600, refers to the particular content of above-mentioned Fig. 1 to middle description embodiment illustrated in fig. 11, repeats no more herein.
7th embodiment
The structural representation of the payment request treating apparatus that Figure 15 provides for seventh embodiment of the invention.Refer to Figure 15, the device that the present embodiment provides can run on server, and this payment request treating apparatus 700 can comprise:
Second receiver module 710, for receiving the transaction request that first terminal sends, carries the first terminal mark of first terminal in this transaction request;
First processing module 720, for being identified in default database the transaction record searching a upper Successful Transaction relevant with first terminal according to first terminal, and confirm that whether there are corresponding electronics label in the transaction record of a described upper Successful Transaction purchases picture or user's confirmation, if existed, send to first terminal and allow transaction message, otherwise send refusal transaction message to first terminal;
The transaction that second receiver module 710 also sends for receiving the second terminal is let pass and is asked, and this transaction carries the first transaction voucher that user is supplied to a upper Successful Transaction relevant with first terminal of the second terminal in letting pass and asking;
First processing module 720 is also mated for voucher of being concluded the business by the transaction voucher and first in the transaction record of a upper Successful Transaction relevant with first terminal according to the transaction request of letting pass, if coupling, then send transaction Rleasing Notice to first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with first terminal, if do not mated, refusal transaction clearance request.
Each module can be by software code realization above, and now, above-mentioned each module can be stored in the storer of server.Each module can be realized by hardware such as integrated circuit (IC) chip equally above.
The present embodiment, to the detailed process of each Implement of Function Module function separately paying request treating apparatus 700, refers to the particular content of above-mentioned Fig. 1 to middle description embodiment illustrated in fig. 11, repeats no more herein.
It should be noted that, each embodiment in this instructions all adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar part mutually see.For device class embodiment, due to itself and embodiment of the method basic simlarity, so description is fairly simple, relevant part illustrates see the part of embodiment of the method.
It should be noted that, in this article, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or device and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or device.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the device comprising described key element and also there is other identical element.
One of ordinary skill in the art will appreciate that all or part of step realizing above-described embodiment can have been come by hardware, the hardware that also can carry out instruction relevant by program completes, described program can be stored in a kind of computer-readable recording medium, the above-mentioned storage medium mentioned can be ROM (read-only memory), disk or CD etc.
The above, it is only preferred embodiment of the present invention, not any pro forma restriction is done to the present invention, although the present invention discloses as above with preferred embodiment, but and be not used to limit the present invention, any those skilled in the art, do not departing within the scope of technical solution of the present invention, make a little change when the technology contents of above-mentioned announcement can be utilized or be modified to the Equivalent embodiments of equivalent variations, in every case be do not depart from technical solution of the present invention content, according to any simple modification that technical spirit of the present invention is done above embodiment, equivalent variations and modification, all still belong in the scope of technical solution of the present invention.
Claims (10)
1. pay a method for request process, it is characterized in that, comprising:
First terminal sends transaction request to server, carries the first terminal mark of described first terminal in described transaction request;
Described server is identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal;
When described first terminal receives described refusal transaction message, prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal to the second terminal, when described second terminal gets the first transaction voucher that described user provides, send transaction clearance request to described server, in described transaction clearance request, carry described first transaction voucher;
Described server is let pass according to described transaction and is asked, voucher of being concluded the business by transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal mates, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
2. the method paying request process according to claim 1, is characterized in that, described prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal to the second terminal, comprising:
Inform the communication number of the second terminal described in user, and point out described user to be provided the transaction voucher of a upper Successful Transaction relevant with described first terminal to described second terminal by described communication number.
3. the method paying request process according to claim 1, it is characterized in that, described second terminal and described first terminal are same terminals.
4. pay a request processing method, it is characterized in that, comprising:
First terminal sends transaction request to server, the first terminal mark of described first terminal is carried in described transaction request, the transaction record searching a upper Successful Transaction relevant with described first terminal is identified in default database according to described first terminal to make described server, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal;
When described first terminal receives described refusal transaction message, prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal.
5. payment request processing method according to claim 4, is characterized in that, described prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal, comprising:
Prompting user inputs the transaction voucher of a upper Successful Transaction relevant with described first terminal at described first terminal;
When described first terminal gets the first transaction voucher that described user provides, transaction clearance request is sent to described server, described transaction carries described first transaction voucher in letting pass and asking, to make described server according to described transaction clearance request, voucher of being concluded the business by transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal mates, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refuse described transaction clearance request.
6. pay a request processing method, it is characterized in that, comprising:
Server receives the transaction request that first terminal sends, and carries the first terminal mark of described first terminal in described transaction request;
Described server is identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal;
Described server receives transaction that the second terminal sends and to let pass request, and described transaction carries described user and is supplied to first of a upper Successful Transaction relevant with described first terminal of described second terminal and concludes the business voucher in letting pass and asking;
Described server mates according to described transaction request of letting pass voucher of being concluded the business by the transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
7. pay a demand processing system, it is characterized in that, comprise first terminal, server and the second terminal,
Described first terminal is used for sending transaction request to described server, carries the first terminal mark of described first terminal in described transaction request;
Described server is identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise, send refusal transaction message to described first terminal;
Described first terminal is also for when receiving described refusal transaction message, and prompting user provides the transaction voucher of a upper Successful Transaction relevant with described first terminal to the second terminal;
Described second terminal is used for when getting the first transaction voucher that described user provides, and to described server transmission transaction clearance request, described transaction carries described first transaction voucher in letting pass and asking;
Described server is also for request of letting pass according to described transaction, voucher of being concluded the business by transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal mates, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
8. pay a request treating apparatus, run on user terminal, it is characterized in that, comprising:
First sending module, for sending transaction request to server, the first terminal mark of first terminal is carried in described transaction request, the transaction record searching a upper Successful Transaction relevant with described first terminal is identified in default database according to described first terminal to make described server, if have corresponding electronics label to purchase picture or user's confirmation in the transaction record of a described upper Successful Transaction, then send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal;
First receiver module, for receiving described refusal transaction message;
First display module, for showing the first prompting message when described first receiver module receives described refusal transaction message, with the transaction voucher of pointing out user to provide a upper Successful Transaction relevant with described first terminal.
9. payment request treating apparatus according to claim 8, is characterized in that,
Described first display module also for showing the second prompting message when described first receiver module receives described refusal transaction message, to point out described user at the transaction voucher of a described first terminal input upper Successful Transaction relevant with described first terminal,
Described first receiver module is also for receiving the first transaction voucher that described user provides;
Described first sending module is also for sending transaction clearance request to described server, described transaction carries described first transaction voucher in letting pass and asking, mate according to described transaction request of the letting pass transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal concluded the business voucher to make described server, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refuse described transaction clearance request.
10. pay a request treating apparatus, run on server, it is characterized in that, comprising:
Second receiver module, for receiving the transaction request that first terminal sends, carries the first terminal mark of described first terminal in described transaction request;
First processing module, for being identified in default database the transaction record searching a upper Successful Transaction relevant with described first terminal according to described first terminal, and confirm that whether there are corresponding electronics label in the transaction record of a described upper Successful Transaction purchases picture or user's confirmation, if existed, send to described first terminal and allow transaction message, otherwise send refusal transaction message to described first terminal;
The transaction that described second receiver module also sends for receiving the second terminal is let pass request, and described transaction carries described user and is supplied to first of a upper Successful Transaction relevant with described first terminal of described second terminal and concludes the business voucher in letting pass and asking;
Described first processing module is also mated for request of letting pass according to described transaction voucher of being concluded the business by the transaction voucher and described first in the transaction record of a upper Successful Transaction relevant with described first terminal, if coupling, then send transaction Rleasing Notice to described first terminal and add corresponding user's confirmation in the transaction record of a upper Successful Transaction relevant with described first terminal, if do not mated, refusing described transaction clearance request.
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