CN105518730A - Online payment verification method and online payment verification system - Google Patents
Online payment verification method and online payment verification system Download PDFInfo
- Publication number
- CN105518730A CN105518730A CN201480003232.0A CN201480003232A CN105518730A CN 105518730 A CN105518730 A CN 105518730A CN 201480003232 A CN201480003232 A CN 201480003232A CN 105518730 A CN105518730 A CN 105518730A
- Authority
- CN
- China
- Prior art keywords
- electronic money
- payment
- information
- verification
- online payment
- 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
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
-
- 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
Abstract
Disclosed in the present invention are an online payment verification method and an online payment verification system. The system comprises a paying party terminal device, a receiving party terminal device and an electronic currency verification centre. The electronic currency verification centre is used for performing security verification of an electronic currency in a payment transaction according to a set electronic currency verification rule, upon receiving a payment request in an electronic currency clearing mode of the payment transaction. The electronic currency verification centre is also used for locating a bank server concerned by the payment transaction upon determining that the electronic currency has passed the security verification thereof, sending the electronic currency to the bank server, and instructing the bank server to perform a payment amount transfer operation of the same value as the electronic currency. Implementation of the present invention can effectively combat the rampant activities of criminals who recklessly forge electronic currencies, curb the trend of counterfeit electronic banknotes spreading unchecked, and improve the security of online payments, and so will help to popularize electronic currencies.
Description
Technical field
The present invention relates to network payment verification technique field, more particularly, relate to a kind of online payment verification method and online payment verification system.
Background technology
Along with the fast development of Internet technology, user pays behavior and is also slowly changing, and the frequency that people are undertaken paying by internet also gets more and more.Because the development time is shorter, also there is following shortcoming in online payment technology:
One, payment process is irreversible.In payment process, the flow direction of payment is normally unidirectional, namely payment can only flow to beneficiary one side from paying party one side usually, beneficiary all lacks confirmation process for the payment behavior of paying party and paying party for the gathering behavior of beneficiary, and the uncertainty of payment brings potential potential safety hazard very likely to paying party/beneficiary both sides.
Two, owing to lacking effective electronics banknote security authentication mechanism, popularizing of electronics banknote is extremely restricted.Because online payment electronics banknote is as a kind of financial product newly developed, emerge soon, relevant auxiliary facility and service pole imperfection, for now, not yet release a electronic money verification system that can carry out truth identification to electronics banknote on the market, in the process of circulation of electronics banknote, beneficiary one side cannot carry out truth identification to the electronics banknote from paying party one side, the rights and interests of beneficiary cannot be protected at all, the consequence caused thus is: the event that user is deceived in payment process is of common occurrence, popularizing of electronics banknote is extremely restricted.
Summary of the invention
The technical problem to be solved in the present invention is, for the above-mentioned defect of prior art, provides a kind of online payment verification method and online payment verification system.
The technical solution adopted for the present invention to solve the technical problems is: construct a kind of online payment verification method, comprising the steps: S1) electronic money authentication center is when receiving the payment request of electronic money clearing form of online payment transaction, and the electronic money proof rule according to setting carries out safety verification to the electronic money that this online payment is concluded the business; S2) electronic money authentication center judges whether this electronic money passes through safety verification, and when this electronic money is by safety verification, this electronic money is sent to the bank server that this online payment exchange relates to, and indicates the execution of this bank server to operate with the transferring accounts of payment of this electronic money single-candidate.
State in online payment verification method on the invention, before described step S1, also comprise the steps: S0) electronic money authentication center prestores by each depositor the first payment verification information verified for online payment reserved respectively.
State in online payment verification method on the invention, described step S1 also comprises: described electronic money authentication center is when receiving the payment request of the electronic money clearing form submitted to by payer terminal equipment, electronic money security authentication request is sent to beneficiary terminal device, and when receiving the confirmation that beneficiary terminal device returns for this electronic money checking request, the electronic money proof rule according to setting carries out safety verification to the electronic money in this online payment transaction.
State in online payment verification method on the invention, according to the electronic money proof rule of setting, the step that the electronic money in this online payment transaction carries out safety verification is specifically comprised described in described step S1: described electronic money authentication center extracts the first payment verification information comprised in this electronic money, and search in database by the paying party of this electronic money the second payment verification information of reserving, and this first payment verification information and this second payment verification information to be compared; Electronic money authentication center described in described step S2 judges whether this electronic money is specifically comprised by the step of authenticity verification: as this electronic money authentication center judges that this first payment information is completely corresponding consistent with this second payment verification information, then this electronic money authentication center allows this electronic money by electronic money authenticity verification, determine that this electronic money is the electronic money of payable clearing, and to the information that the payer terminal equipment involved by this payment transaction and beneficiary terminal device transmission electronic money are proved to be successful; As this electronic money authentication center judges that this first payment information is corresponding consistent with this second payment verification INFORMATION OF INCOMPLETE, then this electronic money authentication center forbids that this electronic money is by electronic money authenticity verification, determine that this electronic money is the electronic money of invalid calcellation, and the payer terminal equipment related to this online payment exchange and beneficiary terminal device send the information of electronic money authentication failed.
State in online payment verification method on the invention, described step S2 also comprises: described electronic money authentication center carries out record to electronic money authentication failed event, and the electronic money authentication failed number of times judging to relate to same paying party exceedes the electronic money authentication failed number of times upper limit of setting, turns down the payment credit grade of this paying party.
The present invention also constructs a kind of online payment verification system, and described online payment verification system comprises payer terminal equipment, beneficiary terminal device, is connected to the electronic money authentication center between described payer terminal equipment with described beneficiary terminal device and is connected multiple bank servers of described electronic money authentication center: the electronic money that described payer terminal equipment is used for submitting to any online payment to conclude the business to described electronic money authentication center settles accounts the payment request of form; Described electronic money authentication center for receiving this payment request, and carries out safety verification according to the electronic money proof rule of setting to the electronic money in this online payment transaction; Described electronic money authentication center is also for judging whether this electronic money passes through safety verification, and when this electronic money is by safety verification, this electronic money is sent to the bank server that this online payment exchange relates to, and indicates the execution of this bank server to operate with the transferring accounts of payment of this electronic money single-candidate.
State in online payment verification system on the invention, described electronic money authentication center comprises database, and described database is for storing by each depositor the first payment information verified for online payment reserved respectively.
State in online payment verification system on the invention, described electronic money authentication center also comprises communication module and electronic money authentication module; Described communication module settles accounts the payment request of form for receiving the electronic money submitted to by described payer terminal equipment, and receive the return information of being asked for this payment by described beneficiary terminal device, and this return information is inputted described electronic money authentication module; When described electronic money authentication module is for receiving for representing the return information confirming electronic money verification operation, the electronic money proof rule according to setting carries out safety verification to this electronic money; When described electronic money authentication module is also for receiving the return information for representing refusal electronic money verification operation, generate the information representing and cancel this electronic money verification operation, and this information is sent to respectively described payer terminal equipment and described beneficiary terminal device.
State in online payment verification system on the invention, described electronic money authentication module comprises electronic money authorization information extraction unit and electronic money authorization information comparing unit; Described electronic money authorization information extraction unit is for extracting the first payment verification information in this electronic money; Described electronic money authorization information comparing unit for read described database by this electronic money paying party the second payment verification information of reserving, and this second payment verification information and this first payment verification information to be compared; Wherein, this first payment verification information comprises the first accounts information and the secret key of encryption for secure payment, this second payment verification information comprise the second accounts information and for separate pay this online payment transaction the secret key of deciphering; Described electronic money authorization information comparing unit also for judge this first payment information and this second payment verification information completely corresponding consistent time, generate the information that electronic money is proved to be successful, or judge this first payment information and this second payment verification INFORMATION OF INCOMPLETE corresponding consistent time, generate the information of electronic money authentication failed, and this electronic money is proved to be successful/failed information inputs described communication module; Described communication module also for the electronic money received is proved to be successful/failed information is forwarded to the payer terminal equipment and beneficiary terminal device that this online payment exchange relates to.
State in online payment verification system on the invention, described electronic money authentication center also comprises electronic money the result logging modle and disbursement letter evaluation module; Described electronic money the result logging modle is used for carrying out record to the safety verification result of electronic money, and record result is write described database; Described disbursement letter evaluation module is for reading the electronic money safety verification result stored in described database, to judge on the electronic money authentication failed number of times that the electronic money authentication failed number of times relating to same paying party exceedes setting, to turn down the payment credit grade of this paying party in limited time according to this electronic money safety verification result.
Set up one and to authorize through each big bank because online payment verification method of the present invention and online payment verification system have employed and the electronic money authentication center of service interfacing can be carried out with each big bank, by this electronic money authentication center, the various electronic money circulated in network payment are carried out to the technical scheme of safety verification, so overcome in prior art, effective supervision and secure authentication mechanisms are lacked for the various electronic money circulated in network payment, forgery electronic money is caused wantonly to spread unchecked thus, cause the defect that user benefit is badly damaged, what reach containment personation electronics banknote spreads unchecked trend on the net, effectively hit the rampant behavior that lawless person forges various electronic money wantonly, improve the security that user carries out online payment, and then for realizing the beneficial effect popularizing the healthy and orderly online payment environment of construction one of electronic money.
Accompanying drawing explanation
Fig. 1 is the first structural representation of the online payment verification system that present pre-ferred embodiments provides;
Fig. 2 is the second structural representation of the online payment verification system that present pre-ferred embodiments provides;
Fig. 3 is the structured flowchart of the electronic money authentication center of the online payment verification system shown in Fig. 1 and Fig. 2;
Fig. 4 is the structured flowchart of the electronic money authentication module of the electronic money authentication center shown in Fig. 3;
Fig. 5 is the process flow diagram of the online payment verification method that present pre-ferred embodiments provides.
Embodiment
In order to solve in prior art, effective supervision and secure authentication mechanisms are lacked for the various electronic money circulated in network payment, cause thus and forge wantonly spreading unchecked of electronic money, cause the defect that the rights and interests of user in payment process are badly damaged, main innovate point of the present invention is: 1) set up one and to authorize through each big bank and can carry out the electronic money authentication center 200 of service interfacing with each big bank, for carrying out safety verification to the various electronic money circulated in online payment process, this electronic money authentication center 200 only receives the confirmation that paying party and beneficiary are concluded the business for same online payment, and the electronic money in this online payment transaction is under it carries out the prerequisite of safety verification, associated bank can be indicated to perform transfer of financial resources operation, complete this online payment transaction, guarantee that user carries out the security of online payment behavior with this, 2) database 203 of electronic money authentication center 200 stores electronic money and verifies that recorded information is inquired about for user, 3) electronic money authentication center 200 possesses depositor and pays credit rating function, and the online purchase and the payment behavior that can be user provide reference, further increase the security that user carries out online payment.
Set up one and to authorize through each big bank owing to present invention employs and the electronic money authentication center 200 of service interfacing can be carried out with each big bank, the design of safety verification is carried out by the various electronic money circulated in this electronic money authentication center 200 pairs of network payments, so solve in prior art, effective supervision and secure authentication mechanisms are lacked for the various electronic money circulated in network payment, cause thus and forge wantonly spreading unchecked of electronic money, cause the technical matters that the rights and interests of user in payment process are badly damaged, what achieve containment personation electronics banknote spreads unchecked trend, effectively hit the rampant behavior that lawless person forges electronic money wantonly, improve the security of the online payment behavior of user, and then for realizing the object popularizing the healthy and orderly online payment environment of construction one of electronic money.
In order to make object of the present invention clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
Fig. 1 is the first structural representation of online payment verification system of the present invention.As shown in Figure 1, online payment verification system of the present invention comprises payer terminal equipment 100, beneficiary terminal device 300, is connected to the electronic money authentication center 200 between this payer terminal equipment 100 and this beneficiary terminal device 300 and is connected to the bank server 400 of this electronic money authentication center 200.
Wherein, this payer terminal equipment 100, for receiving the pay warrant of paying party, submits the payment request of an online payment transaction to this electronic money authentication center 200.
This electronic money authentication center 200 for receiving this payment request, and carries out safety verification according to the electronic money proof rule of setting to the electronic money in this online payment transaction.
When this electronic money authentication center 200 is also for judging this electronic money by its safety verification, search the paying party bank account of this electronic money and this bank server 400 corresponding to paying party bank account, this electronic money and beneficiary bank account information are sent to this bank server 400, and submit transfer request to this bank server 400.
When this bank server 400 is for receiving transfer request, to transfer with the fund of this electronic money single-candidate this beneficiary bank account from this paying party bank account.
Wherein, this payer terminal equipment 100 and beneficiary terminal device 300 can be the information processing terminals such as existing desktop computer, notebook computer, and this electronic money authentication center 200 can be certificate server.
Fig. 2 is the second structural representation of online payment verification system of the present invention.The difference of the online payment verification system that online payment verification system and Fig. 1 that Fig. 2 discloses disclose is: payer terminal equipment 100 and beneficiary terminal device 300 are all communicated with electronic money authentication center 200 by wireless network.Wherein, this payer terminal equipment 100 and beneficiary terminal device 300 can be the information processing terminals such as existing smart mobile phone, panel computer.
As shown in Figure 3, electronic money authentication center 200 of the present invention comprises electronic money authentication module 202, the communication module 201 be electrically connected with this electronic money authentication module 202, database 203 and the electronic money the result logging modle 204 be electrically connected with this database 203 and disbursement letter evaluation module 205.
Wherein, this database 203 prestores the first payment verification information (comprising the first accounts information and the secret key of encryption for secure payment) for online payment checking that each depositor reserves.
This payment request, for receiving the payment request of the online payment transaction submitted to by payer terminal equipment 100, is sent to this electronic money authentication module 202 by this communication module 201.
When this electronic money authentication module 202 is for receiving this payment request, sent the electronic money checking solicited message of this online payment transaction to beneficiary terminal device 300 by this communication module 201.
Return information also for receiving the return information being verified request by beneficiary terminal device 300 for this electronic money, and is inputted this electronic money authentication module 202 by this communication module 201.
This electronic money authentication module 202 also for receive the confirmation electronic money checking request return information time, extract the second payment verification information in this electronic money (comprise the second accounts information and for separating the secret key of deciphering paying this online payment transaction), electronic money proof rule according to setting carries out authenticity verification to this electronic money, and when receiving the return information refusing electronic money checking request, the information that electronic money checking is cancelled is sent to payer terminal equipment 100, so that a wherein side of the paying party/beneficiary sequence information of concluding the business to this online payment and payment are verified and are revised.
This electronic money the result logging modle 204 for carrying out record to electronic money the result, and by recorded information write into Databasce 203.
This disbursement letter evaluation module 205 is for calling the electronic money the result stored in this database 203, to judge on the electronic money authentication failed number of times that the electronic money authentication failed number of times relating to same paying party exceedes setting, to turn down the payment credit grade of this paying party in limited time according to electronic money the result.
As shown in Figure 4, this electronic money authentication module 202 electronic money authorization information comparing unit 2022 of comprising electronic money authorization information extraction unit 2021 and being electrically connected with this payment verification information and database 203.
This electronic money authorization information extraction unit 2021 comprises the first payment verification information of the first accounts information and the secret key of encryption for secure payment for extracting in this electronic money, and this first payment verification information is input to this electronic money authorization information comparing unit 2022.
The second payment verification information that comprises second accounts information and encryption secret key for secure payment of this electronic money authorization information comparing unit 2022 for being reserved by the paying party of this electronic money in calling data storehouse 203, and this second payment verification information and this first payment verification information are compared one by one, to carry out authenticity verification to this electronic money, and gained electronic money authenticity verification result is inputted this database 203.
To be described online payment verification method of the present invention for better embodiment of the present invention below:
As shown in Figure 5, in step S101, electronic money authentication center 200 by database 203 store each depositor the second payment verification information of reserving.
In step s 102, paying party/beneficiary reaches an online payment transaction by respective payer terminal equipment 100/ beneficiary terminal device 300, paying party, for this online payment transaction, submits to electronic money to settle accounts the payment request of form by this payer terminal equipment 100 to electronic money authentication center 200.Electronic money authentication center 200 receives this payment request by communication module 201, and sends the electronic money checking request of this online payment transaction to beneficiary terminal device 300 by this communication module 201.
In step s 103, receive the return information of the confirmation electronic money checking request of payer terminal equipment 100 as communication module 201, then this communication module 201 is by this confirmation input electronic money authorization information extraction unit 2021.When this electronic money authorization information extraction unit 2021 receives this confirmation, extract the first payment verification information in this electronic money (comprise the first accounts information and for separating the secret key of deciphering paying this online payment transaction), and by this first payment verification information input electronic money authorization information comparing unit 2022.
The return information of the refusal electronic money checking request of payer terminal equipment 100 is received as this communication module 201, then electronic money authentication module 202 generates the information cancelling electronic money verification operation, and by this communication module 201, this information is sent to above-mentioned payer terminal equipment 100 and beneficiary terminal device 300 respectively.
In step S104, by the second payment verification information that the paying party of this electronic money is reserved in electronic money authorization information comparing unit 2022 reading database 203, and this second payment verification information and this first payment verification information are compared one by one.
In step S105, as this electronic money authorization information comparing unit 2022 judges that this first payment verification information is corresponding consistent with this second payment verification INFORMATION OF INCOMPLETE, then perform next step S106; Otherwise, perform next step S107.
In step s 106, electronic money authentication center 200 generates the information of electronic money authentication failed, and by communication module 201, the information of this electronic money authentication failed is sent to above-mentioned payer terminal equipment 100 and beneficiary terminal device 300 respectively.
In step s 107, electronic money authentication center 200 generates the information that electronic money is proved to be successful, and is sent to above-mentioned payer terminal equipment 100 and beneficiary terminal device 300 respectively by the information that this electronic money is proved to be successful by communication module 201.
In step S108, electronic money authentication center 200 searches the paying party bank account corresponding to this electronic money, and this bank server 400 corresponding to paying party bank account, this electronic money and beneficiary bank account are sent to this bank server 400, and this bank server 400 of instruction performs and the transfer of financial resources of this electronic money single-candidate operates.
In step S109, this bank server 400 accepts the money transfer request of this electronic money authentication center 200, to transfer with the fund of this electronic money single-candidate this beneficiary bank account from this paying party bank account.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any amendments done within the spirit and principles in the present invention, equivalent replacement and improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. an online payment verification method, is characterized in that, comprises the steps:
S1), when electronic money authentication center (200) receives the payment request of electronic money clearing form of an online payment transaction, the electronic money proof rule according to setting carries out safety verification to the electronic money in this online payment transaction;
S2) electronic money authentication center (200) judges whether this electronic money passes through safety verification, and when this electronic money is by safety verification, this electronic money is sent to the bank server that this online payment exchange relates to, and indicates the execution of this bank server to operate with the transferring accounts of payment of this electronic money single-candidate.
2. online payment verification method according to claim 1, is characterized in that, also comprises the steps: before described step S1
S0) electronic money authentication center (200) prestores by each depositor the first payment verification information verified for online payment reserved respectively.
3. online payment verification method according to claim 2, it is characterized in that, described step S1 also comprises: described electronic money authentication center (200) is when receiving the payment request of the electronic money clearing form submitted to by payer terminal equipment (100), electronic money security authentication request is sent to beneficiary terminal device (300), and when receiving the confirmation that beneficiary terminal device (300) returns for this electronic money checking request, electronic money proof rule according to setting carries out safety verification to the electronic money in this online payment transaction.
4. online payment verification method according to claim 3, is characterized in that, specifically comprises described in described step S1 according to the electronic money proof rule of setting to the step that the electronic money in this online payment transaction carries out safety verification:
Described electronic money authentication center (200) extracts the first payment verification information comprised in this electronic money, and search in database (203) by the paying party of this electronic money the second payment verification information of reserving, and this first payment verification information and this second payment verification information to be compared;
Electronic money authentication center described in described step S2 (200) judges whether this electronic money is specifically comprised by the step of authenticity verification:
As this electronic money authentication center (200) judges that this first payment information is completely corresponding consistent with this second payment verification information, then this electronic money authentication center (200) allows this electronic money by electronic money authenticity verification, determine that this electronic money is the electronic money of payable clearing, and to the information that the payer terminal equipment (100) involved by this payment transaction and beneficiary terminal device (300) transmission electronic money are proved to be successful;
As this electronic money authentication center (200) judges that this first payment information is corresponding consistent with this second payment verification INFORMATION OF INCOMPLETE, then this electronic money authentication center (200) forbids that this electronic money is by electronic money authenticity verification, determine that this electronic money is the electronic money of invalid calcellation, and the payer terminal equipment (100) related to this online payment exchange and beneficiary terminal device (300) send the information of electronic money authentication failed.
5. online payment verification method according to claim 4, is characterized in that, described step S2 also comprises:
Described electronic money authentication center (200) carries out record to electronic money authentication failed event, and to judge on the electronic money authentication failed number of times that the electronic money authentication failed number of times relating to same paying party meets or exceeds setting, to turn down the payment credit grade of this paying party in limited time.
6. an online payment verification system, it is characterized in that, described online payment verification system comprises payer terminal equipment (100), beneficiary terminal device (300), is connected to the electronic money authentication center (200) between described payer terminal equipment (100) with described beneficiary terminal device (300) and is connected multiple bank servers (400) of described electronic money authentication center (200):
Described payer terminal equipment (100) is for submitting the payment request of the electronic money clearing form of any online payment transaction to described electronic money authentication center (200);
Described electronic money authentication center (200) for receiving this payment request, and carries out safety verification according to the electronic money proof rule of setting to the electronic money in this online payment transaction;
Described electronic money authentication center (200) is also for judging whether this electronic money passes through safety verification, and when this electronic money is by safety verification, this electronic money is sent to the bank server that this online payment exchange relates to, and indicates the execution of this bank server to operate with the transferring accounts of payment of this electronic money single-candidate.
7. online payment verification system according to claim 6, it is characterized in that, described electronic money authentication center (200) comprises database (203), and described database (203) is for storing by each depositor the first payment information verified for online payment reserved respectively.
8. online payment verification system according to claim 6, is characterized in that, described electronic money authentication center (200) also comprises communication module (201) and electronic money authentication module (202);
Described communication module (201) is for receiving the payment request of the electronic money clearing form submitted to by described payer terminal equipment (100), and receive the return information of being asked for this payment by described beneficiary terminal device (300), and this return information is inputted described electronic money authentication module (202);
When described electronic money authentication module (202) is for receiving for representing the return information confirming electronic money verification operation, the electronic money proof rule according to setting carries out safety verification to this electronic money;
When described electronic money authentication module (202) is also for receiving the return information for representing refusal electronic money verification operation, generate the information representing and cancel this electronic money verification operation, and this information is sent to respectively described payer terminal equipment (100) and described beneficiary terminal device (300).
9. online payment verification system according to claim 6, it is characterized in that, described electronic money authentication module (202) comprises electronic money authorization information extraction unit (2021) and electronic money authorization information comparing unit (2022);
Described electronic money authorization information extraction unit (2021) is for extracting the first payment verification information in this electronic money;
Described electronic money authorization information comparing unit (2022) for read in described database (203) by the paying party of this electronic money the second payment verification information of reserving, and this second payment verification information and this first payment verification information to be compared; Wherein, this first payment verification information comprises the first accounts information and the secret key of encryption for secure payment, this second payment verification information comprise the second accounts information and for separate pay this online payment transaction the secret key of deciphering;
Described electronic money authorization information comparing unit (2022) also for judge this first payment information and this second payment verification information completely corresponding consistent time, generate the information that electronic money is proved to be successful, or judge this first payment information and this second payment verification INFORMATION OF INCOMPLETE corresponding consistent time, generate the information of electronic money authentication failed, and this electronic money is proved to be successful/failed information inputs described communication module (201);
Described communication module (201) also for the electronic money received is proved to be successful/failed information is forwarded to the payer terminal equipment (100) and beneficiary terminal device (300) that this online payment exchange relates to.
10. online payment verification system according to claim 6, it is characterized in that, described electronic money authentication center (200) also comprises electronic money the result logging modle (204) and disbursement letter evaluation module (205);
Record result for carrying out record to the safety verification result of electronic money, and is write described database (203) by described electronic money the result logging modle (204);
Described disbursement letter evaluation module (205) is for reading the electronic money safety verification result stored in described database (203), and to judge on the electronic money authentication failed number of times that the electronic money authentication failed number of times relating to same paying party meets or exceeds setting, to turn down the payment credit grade of this paying party in limited time according to this electronic money safety verification result.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2014/087393 WO2016045034A1 (en) | 2014-09-25 | 2014-09-25 | Online payment verification method and online payment verification system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105518730A true CN105518730A (en) | 2016-04-20 |
Family
ID=55580082
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201480003232.0A Pending CN105518730A (en) | 2014-09-25 | 2014-09-25 | Online payment verification method and online payment verification system |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN105518730A (en) |
| CA (1) | CA2997635C (en) |
| WO (1) | WO2016045034A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018006310A1 (en) * | 2016-07-07 | 2018-01-11 | 深圳市银信网银科技有限公司 | Method and system for realizing issuance, circulation and recycling of electronic currency |
| CN111738723A (en) * | 2020-07-04 | 2020-10-02 | 广州云智通讯科技有限公司 | Online secure transaction method and device and readable storage medium |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106878309B (en) * | 2017-02-21 | 2021-12-14 | 腾讯科技（深圳）有限公司 | Safety early warning method and device applied to network payment |
| CN112712359B (en) * | 2020-12-31 | 2024-01-12 | 深圳市证通电子股份有限公司 | Money collection method, money collection device, and readable storage medium |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101286251A (en) * | 2007-04-11 | 2008-10-15 | 索尼株式会社 | Information processing method, electronic money terminal device, and electronic money reporting device |
| CN103559611A (en) * | 2013-10-25 | 2014-02-05 | 深圳盒子支付信息技术有限公司 | Method and system for conducting payment in medium information conversation mode |
-
2014
- 2014-09-25 CN CN201480003232.0A patent/CN105518730A/en active Pending
- 2014-09-25 CA CA2997635A patent/CA2997635C/en active Active
- 2014-09-25 WO PCT/CN2014/087393 patent/WO2016045034A1/en active Application Filing
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101286251A (en) * | 2007-04-11 | 2008-10-15 | 索尼株式会社 | Information processing method, electronic money terminal device, and electronic money reporting device |
| CN103559611A (en) * | 2013-10-25 | 2014-02-05 | 深圳盒子支付信息技术有限公司 | Method and system for conducting payment in medium information conversation mode |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018006310A1 (en) * | 2016-07-07 | 2018-01-11 | 深圳市银信网银科技有限公司 | Method and system for realizing issuance, circulation and recycling of electronic currency |
| CN107851250A (en) * | 2016-07-07 | 2018-03-27 | 深圳市银信网银科技有限公司 | Realize the method and system of electronic money distribution, circulation and recovery |
| CN111738723A (en) * | 2020-07-04 | 2020-10-02 | 广州云智通讯科技有限公司 | Online secure transaction method and device and readable storage medium |
| CN111738723B (en) * | 2020-07-04 | 2021-01-29 | 和宇健康科技股份有限公司 | Online secure transaction method and device and readable storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CA2997635A1 (en) | 2016-03-31 |
| CA2997635C (en) | 2023-02-07 |
| WO2016045034A1 (en) | 2016-03-31 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10977657B2 (en) | Token processing utilizing multiple authorizations | |
| CN108053321B (en) | Method and device for realizing supply chain financing | |
| US10671988B2 (en) | Methods and systems for processing an electronic payment | |
| US20140297435A1 (en) | Bank card secured payment system and method using real-time communication technology | |
| US20100044430A1 (en) | Automated Remittance Network | |
| CN112789614B (en) | System for designing and validating fine-grained event detection rules | |
| KR20160142032A (en) | Customized financial management system using of a sub-certification | |
| CN106464492A (en) | Network token system | |
| CN106462853A (en) | Card settlement terminal and card settlement system | |
| CN103400267B (en) | System and method for generating currency file, security device, transaction system and method | |
| US20140358704A1 (en) | Secured point-of-sale transactions | |
| US20150278819A1 (en) | Privacy-protected check certification system | |
| US20140358778A1 (en) | Multi-level know your customer (kyc) data collection and verification | |
| US20240004965A1 (en) | Data value routing system and method | |
| US20160132890A1 (en) | Point of transaction device with multi-factor authentication | |
| KR101863612B1 (en) | Apparatus, method and computer program for verifying real name transaction through comparing deposit and withdrawal history | |
| CN105518730A (en) | Online payment verification method and online payment verification system | |
| KR20190108666A (en) | Apparatus and method for automated deposit and withdrawal of funds for cryptocurrency transactions and computer program for the same | |
| US20230020968A1 (en) | Systems and methods for verifying digital payments | |
| CN110084586B (en) | Mobile terminal secure payment system and method | |
| KR102377625B1 (en) | Method for preventing error remittance | |
| US11446949B1 (en) | Virtual teller check system | |
| KR102492195B1 (en) | Deposit and withdrawal management apparatus of Virtual assest Market capable of agent for authorization | |
| KR20160149596A (en) | Method for providing financial service using virtual account | |
| CN112686666A (en) | Electronic wallet transaction method and device for railway business system |
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: 20160420 |
|
| WD01 | Invention patent application deemed withdrawn after publication |