CN106462837A - 网络交易支付方法及系统 - Google Patents

网络交易支付方法及系统 Download PDF

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Publication number
CN106462837A
CN106462837A CN201580012839.XA CN201580012839A CN106462837A CN 106462837 A CN106462837 A CN 106462837A CN 201580012839 A CN201580012839 A CN 201580012839A CN 106462837 A CN106462837 A CN 106462837A
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CN
China
Prior art keywords
payment
server
amount
terminal
money
Prior art date
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Pending
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CN201580012839.XA
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English (en)
Inventor
张毅
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
10353744 Canada Ltd
Shenzhen Cifpay Network Bank Technology Co Ltd
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10353744 Canada Ltd
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Publication date
Application filed by 10353744 Canada Ltd filed Critical 10353744 Canada Ltd
Publication of CN106462837A publication Critical patent/CN106462837A/zh
Pending legal-status Critical Current

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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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本发明涉及一种网络交易支付方法及系统，其中该方法包括：(102)，第一终端发送信用凭证以及购买信息数据包至第二终端；(103)，第二终端解析购买信息数据包得到付款金额，并判断付款金额是否小于等于信用凭证对应的开证金额；若是，则(104)，第二终端发送包含付款金额和信用凭证的收款请求至第二服务器；(105)，第二服务器将包含信用凭证和付款金额的付款请求发送至第一服务器；(106)，第二服务器接收第二终端发送的付款凭证，并发送付款凭证至第一服务器；(107)，第一服务器校验付款凭证的合法性，校验成功后，根据信用凭证解冻付款账号对应货款的资金；(108)，第一服务器将资金通过第二服务器转入预设的收款账号。上述系统和方法提高了网络交易的资金安全性。

Description

PCT国内申请，说明书已公开。

Claims (15)

  1. PCT国内申请，权利要求书已公开。
CN201580012839.XA 2015-04-30 2015-04-30 网络交易支付方法及系统 Pending CN106462837A (zh)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/078131 WO2016172973A1 (zh) 2015-04-30 2015-04-30 网络交易支付方法及系统

Publications (1)

Publication Number Publication Date
CN106462837A true CN106462837A (zh) 2017-02-22

Family

ID=57199017

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201580012839.XA Pending CN106462837A (zh) 2015-04-30 2015-04-30 网络交易支付方法及系统

Country Status (3)

Country Link
CN (1) CN106462837A (zh)
CA (8) CA3077298C (zh)
WO (1) WO2016172973A1 (zh)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109191122A (zh) * 2018-08-10 2019-01-11 中国银行股份有限公司 一种获取交易信息凭证的方法及装置
CN111192104A (zh) * 2018-11-15 2020-05-22 来涛 一种基于网络平台的商品交易方法及系统

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20190370791A1 (en) * 2018-05-30 2019-12-05 International Business Machines Corporation Distributing cryptographic asset returns
CN111815312A (zh) * 2020-06-24 2020-10-23 霓检有限公司 付款方法、装置和收款方服务器
CN111986021B (zh) * 2020-08-19 2022-06-03 支付宝(杭州)信息技术有限公司 一种跨境收汇的分批解付方法、装置及设备
CN114004617B (zh) * 2021-12-24 2022-04-15 浙江口碑网络技术有限公司 凭证核销方法及装置、存储介质、计算机设备
CN114387735A (zh) * 2022-03-22 2022-04-22 北京三快在线科技有限公司 一种提取货物的方法、装置及系统

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150379630A1 (en) * 2013-03-18 2015-12-31 Shenzhen Cifpay Network Bank Technology Co., Ltd Method and system for generating data packet with serial number
CN104301293B (zh) * 2013-07-19 2018-11-30 阿里巴巴集团控股有限公司 数据处理方法、装置和系统

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109191122A (zh) * 2018-08-10 2019-01-11 中国银行股份有限公司 一种获取交易信息凭证的方法及装置
CN109191122B (zh) * 2018-08-10 2023-06-20 中国银行股份有限公司 一种获取交易信息凭证的方法及装置
CN111192104A (zh) * 2018-11-15 2020-05-22 来涛 一种基于网络平台的商品交易方法及系统

Also Published As

Publication number Publication date
CA3077249A1 (en) 2016-11-03
CA3077298C (en) 2023-06-27
CA3077320C (en) 2023-05-09
CA3077206C (en) 2023-09-12
CA3077138A1 (en) 2016-11-03
CA3077249C (en) 2023-05-02
CA3077154A1 (en) 2016-11-03
CA3077167A1 (en) 2016-11-03
CA3077298A1 (en) 2016-11-03
WO2016172973A1 (zh) 2016-11-03
CA3077138C (en) 2023-06-27
CA3077320A1 (en) 2016-11-03
CA3077206A1 (en) 2016-11-03
CA2986821C (en) 2022-02-22
CA3077167C (en) 2023-04-25
CA2986821A1 (en) 2016-11-03
CA3077154C (en) 2023-06-27

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