CN105550880A - Improved internet commerce and trade payment system - Google Patents
Improved internet commerce and trade payment system Download PDFInfo
- Publication number
- CN105550880A CN105550880A CN201510896643.3A CN201510896643A CN105550880A CN 105550880 A CN105550880 A CN 105550880A CN 201510896643 A CN201510896643 A CN 201510896643A CN 105550880 A CN105550880 A CN 105550880A
- Authority
- CN
- China
- Prior art keywords
- payment
- software
- end software
- trade
- trade company
- 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.)
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Classifications
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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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
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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
Abstract
The invention provides an improved internet commerce and trade payment system. The improved internet commerce and trade payment system comprises four parts: certifying authority (CA) software, card holder end software, merchant end software and payment gateway end software. An internet is used as a main information exchange medium among the four subsystems so as to connect card holders, merchants and bank payment gateways together and provide an ordering and payment means to them, and automatic processing of the whole process from card holder ordering to bank payment and to merchant settling is realized. The card holder end software, the merchant end software and the payment gateway end software form a triangle structure, a card holder emits an ordering instruction to a merchant, and then a payment instruction is directly sent to a payment gateway. The communication between the card holder end software and the merchant end software, the payment gateway end software all adopts a security socket layer, and the communication between the merchant end software and the payment gateway end software adopts DER messages based on a TCP/IP protocol and according with ISO8824 and ISO882. The card holder end software comprises a payment settling module and a password identification module.
Description
Technical field
The present invention is specifically related to a kind of improvement type internet commerce and trade payment system.
Background technology
Ecommerce typically refers in the commerce and trade activity widely of all parts of the world, under the network environment that the Internet is open, based on browser/server application mode, both parties do not carry out various commercial activity with meeting, realize online transaction between the shopping online of consumer, trade company and online pay by mails and various commercial activity, transaction, finance activities and relevant integrated service activity a kind of novel commercial operation pattern; Existing e-commerce system can not meet the demand of people, so need a kind of improvement type internet commerce and trade payment system badly to solve the problem.
Summary of the invention
The object of the invention is to for the deficiencies in the prior art, provide a kind of improvement type internet commerce and trade payment system, this improvement type internet commerce and trade payment system can solve the problem well.
For reaching above-mentioned requirements, the technical scheme that the present invention takes is: provide a kind of improvement type internet commerce and trade payment system, this improvement type internet commerce and trade payment system comprises certifying organization (CA) software, holder holds software, trade company's end software, payment gateway end software four part composition, using internet as main message exchange medium between four subsystems, holder, trade company and bank paying gateway link together, and order and means of payment for they provide a kind of, achieve the automatic process holder clearing overall process from holder's order to bank paying to trade company and hold software, trade company's end software, payment gateway end software is triangular structure, holder sends out payment instruction directly to payment gateway after trade company sends order instruction, holder holds software and trade company to hold the communication between software, payment gateway end software to adopt security socket layer (SSL), and the communication between trade company's end software and payment gateway end software adopts based on ICP/IP protocol and meets the DER message of ISO8824, ISO8825, described holder holds software to comprise payment settlement module and password identification module.
Hommization more when the more existing e-commerce system of this improvement type internet commerce and trade payment system has better stability and security and uses, and solve existing e-commerce system inconvenient problem with use, be more of value to the universal of ecommerce.
Accompanying drawing explanation
Accompanying drawing described herein is used to provide further understanding of the present application, form a application's part, use identical reference number to represent same or analogous part in the drawings, the schematic description and description of the application, for explaining the application, does not form the improper restriction to the application.In the accompanying drawings:
Fig. 1 schematically shows the structural representation of the improvement type internet commerce and trade payment system according to the application's embodiment.
Embodiment
For making the object of the application, technical scheme and advantage clearly, below in conjunction with drawings and the specific embodiments, the application is described in further detail.
In the following description, quoting of " embodiment ", " embodiment ", " example ", " example " etc. is shown that the embodiment of so description or example can comprise special characteristic, structure, characteristic, character, element or limit, but not each embodiment or example must comprise special characteristic, structure, characteristic, character, element or limit.In addition, reuse phrase " embodiment according to the application " although be likely refer to identical embodiment, and not necessarily refers to identical embodiment.
For the sake of simplicity, eliminate in below describing and well known to a person skilled in the art some technical characteristic.
According to an embodiment of the application, a kind of improvement type internet commerce and trade payment system is provided, as shown in Figure 1, comprise certifying organization (CA) software, holder holds software, trade company's end software, payment gateway end software four part composition, using internet as main message exchange medium between four subsystems, holder, trade company and bank paying gateway link together, and order and means of payment for they provide a kind of, achieve the automatic process holder clearing overall process from holder's order to bank paying to trade company and hold software, trade company's end software, payment gateway end software is triangular structure, holder sends out payment instruction directly to payment gateway after trade company sends order instruction, holder holds software and trade company to hold the communication between software, payment gateway end software to adopt security socket layer (SSL), and the communication between trade company's end software and payment gateway end software adopts based on ICP/IP protocol and meets the DER message of ISO8824, ISO8825, described holder holds software to comprise payment settlement module and password identification module.
According to an embodiment of the application, the holder of this improvement type internet commerce and trade payment system holds in software, supports the read/write of IC-card, digital signature/checking.
The above embodiment only represents several embodiment of the present invention, and it describes comparatively concrete and detailed, but can not be interpreted as limitation of the scope of the invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to scope.Therefore protection scope of the present invention should be as the criterion with described claim.
Claims (2)
1. an improvement type internet commerce and trade payment system, it is characterized in that: comprise certifying organization (CA) software, holder holds software, trade company's end software, payment gateway end software four part composition, using internet as main message exchange medium between four subsystems, holder, trade company and bank paying gateway link together, and order and means of payment for they provide a kind of, achieve the automatic process holder clearing overall process from holder's order to bank paying to trade company and hold software, trade company's end software, payment gateway end software is triangular structure, holder sends out payment instruction directly to payment gateway after trade company sends order instruction, holder holds software and trade company to hold the communication between software, payment gateway end software to adopt security socket layer (SSL), and the communication between trade company's end software and payment gateway end software adopts based on ICP/IP protocol and meets the DER message of ISO8824, ISO8825, described holder holds software to comprise payment settlement module and password identification module.
2. commerce and trade payment system in improvement type internet as claimed in claim 1, it is characterized in that, holder holds in software, supports the read/write of IC-card, digital signature/checking.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510896643.3A CN105550880A (en) | 2015-11-27 | 2015-11-27 | Improved internet commerce and trade payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510896643.3A CN105550880A (en) | 2015-11-27 | 2015-11-27 | Improved internet commerce and trade payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105550880A true CN105550880A (en) | 2016-05-04 |
Family
ID=55830059
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510896643.3A Pending CN105550880A (en) | 2015-11-27 | 2015-11-27 | Improved internet commerce and trade payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105550880A (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1288205A (en) * | 1999-09-14 | 2001-03-21 | 珠海市攀登科技有限公司 | Full compatible inter net electronic trade and payment system |
| CN1874387A (en) * | 2006-06-30 | 2006-12-06 | 上海序参量科技发展有限公司 | Method and system of mobile terminal in use for financial transactions |
| CN101882345A (en) * | 2009-05-08 | 2010-11-10 | 上海宾华信息科技有限公司 | System for carrying out withdrawal or payment by utilizing mobile phone terminal and implementation method thereof |
| CN104616148A (en) * | 2015-01-23 | 2015-05-13 | 恒银金融科技有限公司 | Payment terminal and paying method of wearable payment terminal |
-
2015
- 2015-11-27 CN CN201510896643.3A patent/CN105550880A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1288205A (en) * | 1999-09-14 | 2001-03-21 | 珠海市攀登科技有限公司 | Full compatible inter net electronic trade and payment system |
| CN1874387A (en) * | 2006-06-30 | 2006-12-06 | 上海序参量科技发展有限公司 | Method and system of mobile terminal in use for financial transactions |
| CN101882345A (en) * | 2009-05-08 | 2010-11-10 | 上海宾华信息科技有限公司 | System for carrying out withdrawal or payment by utilizing mobile phone terminal and implementation method thereof |
| CN104616148A (en) * | 2015-01-23 | 2015-05-13 | 恒银金融科技有限公司 | Payment terminal and paying method of wearable payment terminal |
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| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160504 |
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| RJ01 | Rejection of invention patent application after publication |