CN106651365A - Network payment method, system and device - Google Patents
Network payment method, system and device Download PDFInfo
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- CN106651365A CN106651365A CN201510428574.3A CN201510428574A CN106651365A CN 106651365 A CN106651365 A CN 106651365A CN 201510428574 A CN201510428574 A CN 201510428574A CN 106651365 A CN106651365 A CN 106651365A
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- solution
- password
- electronic certificate
- management server
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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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
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Abstract
The invention discloses a network payment method, system ad device, and the method comprises the following steps that a second fund management server enables a paying application and a paying password, transmitted by a second terminal, for an electronic certificate to a first fund management server; the first fund management server verifies the paying password and the state of the electronic certificate corresponding to the paying application, and carries out the paying for the electronic certificate after the verification is passed. The method provided by the invention improves the safety of network payment, guarantees the fund data of a buyer, also can guarantee that a seller can timely receive the fund after appointment keeping, maintains the benefits of the buyer and seller, greatly improves the safety of the whole transaction process, and prompts the health development of electronic commerce.
Description
Technical field
The present invention relates to technical field of electronic commerce, more particularly, to a kind of method of network payment, system and
Device.
Background technology
With developing rapidly for computer, network and modern communication technology, ecommerce has become by people
Familiar in addition a kind of popular mode of doing business.Ecommerce utilizes internet platform by traditional business
Participation each side (buyer, seller, logistics company, financial institution etc.) in business activity links together,
By whole process of exchange networking, electronization, informationization, reduce the cost of transaction, improve transaction
Efficiency.
The means of payment of ecommerce generally adopts network payment, traditional network payment, mostly by bank
Fund in card is directly transferred to reciprocal account, or transfers to the third-party institution as guarantee.In buyer
After fund remittance and transfer instruction issuing, fund can directly circulate, and following situation usually occurs：Buyer
Commodity or the service of trade company's offer are not yet received, its fund is paid by bank or the third-party institution and sold
Side；Or the seller is provided after commodity or service, buyer delays enough to pay corresponding fund；Or buy
Side is given to the reciprocal account of mistake by fund.Therefore, there is certain transaction in traditional network payment mode
Risk, it is impossible to ensure the interests of both parties.
The content of the invention
Present invention is primarily targeted at providing a kind of method of network payment, system and device, it is intended to improve
The security of network payment, reduces transaction risk.
To achieve these objectives, the present invention proposes a kind of method of network payment, including step：
The solution to electronic certificate that second capital management server sends second terminal is paid application and conciliates a pair mouth
Order is transmitted to the first capital management server；
Solution described in the first capital management server authentication pays password and the solution is paid corresponding to application
The state of electronic certificate, after being verified, performs solution and pays to the electronic certificate.
The present invention also proposes a kind of method of network payment, is applied to the first capital management server, including step
Suddenly：
The solution to electronic certificate for receiving the transmission of the second capital management server pays an application reconciliation pair password；
The checking solution pays password and the solution pays the state of the corresponding electronic certificate of application；
After being verified, solution is performed to the electronic certificate and is paid.
The present invention proposes a kind of network payment system, including second terminal, the first capital management service simultaneously
Device and the second capital management server, wherein：
The second terminal, pays for sending the solution to electronic certificate to the second capital management server
Application is conciliate and pays password；
The second capital management server, it is described for the solution pair application reconciliation pair password to be transmitted to
First capital management server；
The first capital management server, for verifying that the solution pays password and the solution pays application institute
The state of corresponding electronic certificate, after being verified, performs solution and pays to the electronic certificate.
The present invention proposes a kind of network payment device simultaneously, is applied to the first capital management server, including
Receiver module, authentication module are conciliate and pay module, wherein：
The receiver module, pays for receiving the solution to electronic certificate that the second capital management server sends
Application is conciliate and pays password；
The authentication module, for verifying that the solution pays password and the solution pays application corresponding electronics
The state of voucher；
The solution pays module, for after the authentication module is verified, performing to the electronic certificate
Solution is paid.
A kind of method of network payment provided by the present invention, system and device, second terminal is by the second money
Golden management server proposes that solution provides solution and pays password simultaneously when paying and applying to the first capital management server, and
The solution that electronic certificate is just performed Jing after the first capital management server passes through to solution pair password authentication is paid, and is improved
The security of network payment, had both ensured the fund security of buyer, can ensure that the seller is honouring an agreement it again
After can in time receive fund, maintain the interests of both parties, reduce transaction risk, promote electronics
The sound development of commercial affairs.
Description of the drawings
Fig. 1 is the flow chart of the method for network payment first embodiment of the present invention；
Fig. 2 is the interactive schematic diagram of each main body when solution pays electronic certificate in the embodiment of the present invention；
Fig. 3 is the flow chart of the method for network payment second embodiment of the present invention；
Fig. 4 is the module diagram of the embodiment of network payment system one of the present invention；
Fig. 5 is the module diagram of the network payment device first embodiment of the present invention；
Fig. 6 is the pattern diagram of the network payment device second embodiment of the present invention.
The realization of the object of the invention, functional characteristics and advantage will be done referring to the drawings further in conjunction with the embodiments
Explanation.
Specific embodiment
It should be appreciated that specific embodiment described herein is not used to limit only to explain the present invention
The fixed present invention.
In the embodiment of the present invention, capital management server for institutions managing funds server, capital management
Mechanism refers to the mechanism that can support Capital Flow, and including but not limited to bank and other financial institutions are (as demonstrate,proved
Certificate mechanism), i.e., capital management server includes bank server or other financial institution servers.
In the embodiment of the present invention, electronic certificate is referred to by buyer with the fund of its account specified or credit volume
The payment that degree is opened as guarantee fund to the application of capital management server and by capital management server with
Card, be institutions managing funds promise to undertake according to the condition of transferring handle receipt and payment clearing electronic credit voucher, be with
A kind of internet basis for innovation financial instrument of institutions managing funds credit acceptance and guarantee.
In the embodiment of the present invention, opening for electronic certificate refers to that both parties (such as both parties) are formed
Before trading order form, formed trading order form when or formed trading order form after, first terminal is to the first capital management
Electronic certificate is opened in server (server of the such as Opening Bank of mechanism that opens L/C) application.First fund pipe
Reason server opens electronic certificate, and the amount of money that electronic certificate is recorded according to the application of opening L/C of first terminal
Corresponding reservation process is done in the account that first terminal is specified, and (fund usually in Frozen Account is awarded
Letter) behavior.
In the embodiment of the present invention, the solution of electronic certificate is paid, and refers to that the mechanism that opens L/C (such as Opening Bank) receives
Solution is paid and applies for and confirm to meet solution and pay after condition, is remitted and transferred electronic certificate to Shou Zheng mechanisms (such as recipient bank)
The behavior of associated fund.
In the embodiment of the present invention, first terminal is applicant (such as the buyer) institute for proposing to open electronic certificate
The terminal held, second terminal is paid applicant (such as the seller) and is held by the solution for proposing solution pair electronic certificate
Terminal.
The present invention carries out network payment by electronic certificate, relative to traditional network payment mode, greatly
Transaction risk is reduced greatly, has ensured the interests of both parties.Electronic certificate is primarily directed to the product of buyer
Product, by seller cashier access interface is downloaded, and is completed the opening L/C of electronic certificate, seller by buyer and is completed to receive
Demonstrate,prove and honour an agreement, submit to solution to pay, last electronic certificate expires to solve automatically and pays.Electronic certificate can be not only used for
Commodity purchasing, it can also be used to mortgage, for example personal bankable bill issue the letter of credit, in this, as to
The guarantee that other people provide a loan.
The substantially flow process for carrying out network payment by electronic certificate is：First capital management server (is opened
The server of such as Opening Bank of card mechanism) electronic certificate, the second fund are opened according to the application of first terminal
Management server (server of Ji Shouzheng mechanisms such as recipient bank) accepts receipts according to the application of second terminal
Card, second terminal submits to solution to pay application by the second capital management server to the first capital management server,
First capital management server pays application solution and pays an electronic certificate according to solution so that the associated by electronic certificate
The funds transfer of one terminal is to second terminal.
Wherein, electronic certificate solution pay link i.e. equivalent to link from buyer to seller parties, therefore be whole
The key link of transaction, below, is paid the solution of electronic certificate by specific embodiment and is described in detail.
Referring to Fig. 1, Fig. 2, the method for network payment first embodiment of the present invention is proposed, methods described includes
Following steps：
S11, second terminal send the solution to electronic certificate and pay application reconciliation pair to the second capital management server
Password.
In this step S11, pay applicant (such as the seller) when solution and completed according to the solution of electronic certificate pair condition
After terms of trade corresponding to electronic certificate, second terminal is by logging in corresponding webpage or opening corresponding
Using to the second capital management server transmission solution pair application reconciliation pair password.
Alternatively, it can be that first terminal is opening electricity to the first capital management server application that solution pays password
That what is reserved during sub- voucher signs for information, then this is signed for into information by first terminal and is sent to second terminal,
Or first capital management server information will be signed for by first terminal or the second capital management server send out
Second terminal is given, or the first capital management server will directly sign for information and be sent to second terminal.
Second terminal is received after the information of signing for, and this is signed for information as solution pair password, and in the specified period
It is interior that the solution pair password is submitted to into the second capital management server application solution pair.
Alternatively, solution pays the password that password can also be that the first capital management server is generated, and by the
One terminal or the second capital management server are sent to second terminal, or are transmitted directly to second terminal.
Second terminal is received after password, and using the password as solution a password is paid, and in the specified period solves this
Pay password and submit to the second capital management server application solution pair.
S12, the second capital management server will solve to pay applies for that conciliating a pair password is transmitted to the first capital management clothes
Business device.
Preferably, the second capital management server receives solution and pays after application, obtains the body that solution pays applicant
Part information, and the identity that solution pays applicant is verified.After authentication passes through, just forwarding solution is paid
Application is conciliate and pays password to the first capital management server；After authentication failure, second terminal is notified
Authentication failed, such as returns miscue information to second terminal.
S13, the first capital management server authentication solution pay password and solution pays application corresponding electronic certificate
State.After being verified, execution step S14；After authentication failed, terminate flow process, it is possible to logical
Know the second capital management server, such as return miscue information to the second capital management server.
In this step S13, the first capital management server receives solution and pays after application reconciliation pair password, right
The state of electronic certificate is conciliate a pair password and is verified, when the two is proved to be successful, is verified, when
When any one verifies unsuccessful, authentication failed.The state of electronic certificate can be first verified, works as electronic certificate
State verification success after, then verify solution pay a password, when solution pay password authentication success after, then be verified；
Or, it is also possible to first checking solution pays password, after solution pays password authentication success, then verifies electronic certificate
State, after the state verification success of electronic certificate, is then verified.
The state for paying solution the corresponding electronic certificate of application is verified, including whether verifies electronic certificate
Whether solve effectively or/and and pay, if electronic certificate effectively or/and not yet pay by solution, be proved to be successful；If electronics
Voucher fails or/and solves and pays, then authentication failed.
For the checking that solution pays password：It is that first terminal is reserved when electronic certificate is opened to pay password when solution
When signing for information, whether information that what checking solution paid that password and first terminal reserve sign for is consistent, if unanimously
It is proved to be successful, the authentication failed if inconsistent；It is what the first capital management server was generated to pay password when solution
During password, whether checking solution pays password consistent with the password for generating, and is proved to be successful if consistent, if differing
Cause then authentication failed.
Further, after electronic certificate is verified, the first capital management server update electronic certificate
State for treat solution pay, and to first terminal send solution pay notify.
S14, the first capital management server perform solution and pay to electronic certificate.
Specifically, the first capital management server by the fund freezed in the account associated by electronic certificate or
The accrediting amount (credit card amount or loan limit) is thawed, and by the funds transfer after defrosting to the second money
Golden management server, most at last solution pays what funds transfer to second terminal was specified to the second capital management server
Account.Wherein, the account associated by electronic certificate, i.e., indication when electronic certificate is opened in first terminal application
The fixed account as guarantee.
Further, after electronic certificate solution is paid, the shape of the first capital management server update electronic certificate
State is paid to solve, and sends fresh information to the second capital management server.
Referring to Fig. 3, the method for network payment second embodiment of the present invention, the method application of the present embodiment are proposed
In aforementioned first capital management server, the method comprising the steps of：
The solution to electronic certificate that S21, the second capital management server of reception send is paid application and conciliates a pair mouth
Order.
Specifically, when solution pay applicant (such as the seller) according to the solution of electronic certificate pay condition complete electronics with
After the corresponding terms of trade of card, second terminal is by the corresponding webpage of login or opens corresponding application,
Send solution and pay to the second capital management server and apply for that password is paid in reconciliation, the second capital management server again will
Solution is paid an application reconciliation pair password and is transmitted to the first capital management server.
Alternatively, it can be that first terminal is opening electricity to the first capital management server application that solution pays password
That what is reserved during sub- voucher signs for information, then this is signed for into information by first terminal and is sent to second terminal,
Or first capital management server information will be signed for by first terminal or the second capital management server send out
Second terminal is given, or the first capital management server will directly sign for information and be sent to second terminal.
Second terminal is received after the information of signing for, and this is signed for information as solution pair password, and in the specified period
It is interior that the solution pair password is submitted to into the second capital management server application solution pair.
Alternatively, solution pays the password that password can also be that the first capital management server is generated, and by the
One terminal or the second capital management server are sent to second terminal, or are transmitted directly to second terminal.
Second terminal is received after password, and using the password as solution a password is paid, and in the specified period solves this
Pay password and submit to the second capital management server application solution pair.
S22, checking solution pay password and solution pays the state of the corresponding electronic certificate of application.When being verified
Afterwards, execution step S23；After authentication failed, terminate flow process, it is possible to notify the second capital management service
Device, such as returns miscue information to the second capital management server.
In this step S22, the first capital management server receives solution and pays after application reconciliation pair password, right
The state of electronic certificate is conciliate a pair password and is verified, when the two is proved to be successful, is verified, when
When any one verifies unsuccessful, authentication failed.The state of electronic certificate can be first verified, works as electronic certificate
State verification success after, then verify solution pay a password, when solution pay password authentication success after, then be verified；
Or, it is also possible to first checking solution pays password, after solution pays password authentication success, then verifies electronic certificate
State, after the state verification success of electronic certificate, is then verified.
The state for paying solution the corresponding electronic certificate of application is verified, including whether verifies electronic certificate
Whether solve effectively or/and and pay, if electronic certificate effectively or/and not yet pay by solution, be proved to be successful；If electronics
Voucher fails or/and solves and pays, then authentication failed.
For the checking that solution pays password：It is that first terminal is reserved when electronic certificate is opened to pay password when solution
When signing for information, whether information that what checking solution paid that password and first terminal reserve sign for is consistent, if unanimously
It is proved to be successful, the authentication failed if inconsistent.It is what the first capital management server was generated to pay password when solution
During password, whether checking solution pays password consistent with the password for generating, and is proved to be successful if consistent, if differing
Cause then authentication failed.
Further, after electronic certificate is verified, the first capital management server update electronic certificate
State for treat solution pay, and to first terminal send solution pay notify.
S23, to electronic certificate perform solution pay.
Specifically, the first capital management server by the fund freezed in the account associated by electronic certificate or
The accrediting amount is thawed, and by the funds transfer after defrosting to the second capital management server, the second fund pipe
Most at last solution pays the account that funds transfer to second terminal is specified to reason server.Wherein, electronic certificate is closed
The account of connection, i.e. first terminal application open the account as guarantee specified during electronic certificate.
Further, after electronic certificate solution is paid, the shape of the first capital management server update electronic certificate
State is paid to solve, and sends fresh information to the second capital management server.
So as to, the method for network payment of the present invention, second terminal is by the second capital management server to the
Solution is provided simultaneously when one capital management server proposes to pay the solution of electronic certificate application and pays a password, and Jing the
One capital management server is paid solution password authentication and is paid by the rear electronic certificate solution that just performs, and improves network
The security of payment, had both ensured the fund security of buyer, can ensure that again the seller after honouring an agreement can and
When receive fund, maintain the interests of both parties, reduce transaction risk, promote ecommerce
Develop in a healthy way.
Referring to Fig. 4, propose the embodiment of network payment system one of the present invention, the system include first terminal,
Second terminal, the first capital management server and the second capital management server, wherein：
First terminal：For proposing to open L/C apply to the first capital management server, apply opening electronics with
Card.
Second terminal：Application reconciliation is paid for sending the solution to electronic certificate to the second capital management server
Pay password.
Specifically, when solution pay applicant (such as the seller) according to the solution of electronic certificate pay condition complete electronics with
After the corresponding terms of trade of card, second terminal is by the corresponding webpage of login or opens corresponding application,
Send solution and pay to the second capital management server and apply for that password is paid in reconciliation.
Alternatively, it can be that first terminal is opening electricity to the first capital management server application that solution pays password
That what is reserved during sub- voucher signs for information, then this is signed for into information by first terminal and is sent to second terminal,
Or first capital management server information will be signed for by first terminal or the second capital management server send out
Second terminal is given, or the first capital management server will directly sign for information and be sent to second terminal.
Second terminal is received after the information of signing for, and this is signed for information as solution pair password, and in the specified period
It is interior that the solution pair password is submitted to into the second capital management server application solution pair.
Alternatively, solution pays the password that password can also be that the first capital management server is generated, and by the
One terminal or the second capital management server are sent to second terminal, or are transmitted directly to second terminal.
Second terminal is received after password, and using the password as solution a password is paid, and in the specified period solves this
Pay password and submit to the second capital management server application solution pair.
Second capital management server：The first capital management is transmitted to for paying an application reconciliation pair password by solution
Server.
Preferably, the second capital management server receives solution and pays after application, obtains information reconciliation of honouring an agreement and pays
The identity information of applicant, and the identity that solution pays applicant is verified.After authentication passes through,
Just forwarding solution is paid application reconciliation and pays password to the first capital management server；After authentication failure, lead to
Know second terminal authentication failed, such as return miscue information to second terminal.
First capital management server：Electronic certificate is opened for the application of opening L/C according to first terminal；Connect
The solution to electronic certificate for receiving the transmission of the second capital management server pays an application reconciliation pair password, and checking solution is paid
Password conciliates the state for paying the corresponding electronic certificate of application, after being verified, electronic certificate is performed
Solution is paid.
Specifically, the first capital management server receive solution pay application conciliate pay password after, to electronics with
The state of card is conciliate a pair password and is verified, when the two is proved to be successful, is verified, when any one
When verifying unsuccessful, authentication failed.The state of electronic certificate can be first verified, when the state of electronic certificate
After being proved to be successful, then verify that solution pays password, after solution pays password authentication success, be then verified；Or,
Can also first verify that solution pays a password, after solution pays password authentication success, then verify the state of electronic certificate,
After the state verification success of electronic certificate, then it is verified.
The state for paying solution the corresponding electronic certificate of application is verified, including whether verifies electronic certificate
Whether solve effectively or/and and pay, if electronic certificate effectively or/and not yet pay by solution, be proved to be successful；If electronics
Voucher fails or/and solves and pays, then authentication failed.
For the checking that solution pays password：It is that first terminal is reserved when electronic certificate is opened to pay password when solution
When signing for information, whether information that what checking solution paid that password and first terminal reserve sign for is consistent, if unanimously
It is proved to be successful, the authentication failed if inconsistent.It is what the first capital management server was generated to pay password when solution
During password, whether checking solution pays password consistent with the password for generating, and is proved to be successful if consistent, if differing
Cause then authentication failed.
Further, after electronic certificate is verified, the first capital management server update electronic certificate
State for treat solution pay, and to first terminal send solution pay notify.
First capital management server performs solution and pays specially：To freeze in account associated by electronic certificate
Fund or the accrediting amount thaw, and by the funds transfer after defrosting to the second capital management server, the
Most at last solution pays the account that funds transfer to second terminal is specified to two capital management servers.Wherein, electronics
Account associated by voucher, i.e. first terminal application open the account as guarantee specified during electronic certificate
Family.
Further, after electronic certificate solution is paid, the shape of the first capital management server update electronic certificate
State is paid to solve, and sends fresh information to the second capital management server.
The network payment system that above-described embodiment is provided belongs to same design with method of network payment embodiment,
It implements technical characteristic that process referred in embodiment of the method, and embodiment of the method in system embodiment
In correspond to be suitable for, repeat no more here.
Referring to Fig. 5, the network payment device first embodiment of the present invention, the device application of the present embodiment are proposed
In aforementioned first capital management server, described device includes that receiver module, authentication module are conciliate and pays module,
Wherein：
Receiver module：Application is paid for receiving the solution to electronic certificate that the second capital management server sends
Conciliate and pay password.
In the present embodiment, it is that first terminal is opening electricity to the first capital management server application that solution pays password
That what is reserved during sub- voucher signs for information, then this is signed for into information by first terminal and is sent to second terminal,
Or first capital management server information will be signed for by first terminal or the second capital management server send out
Second terminal is given, or the first capital management server will directly sign for information and be sent to second terminal.
Second terminal is received after the information of signing for, and this is signed for information as solution pair password, and in the specified period
Interior that the solution pair password is submitted to into the second capital management server application solution pair, the second capital management is serviced again
A password reconciliation pair application is paid by solution be transmitted to the first capital management server.
Authentication module：Password is paid for checking solution and solution pays the state of the corresponding electronic certificate of application.
After being verified, notify that solution is paid module execution solution and paid；After authentication failed, the second fund can be notified
Management server, such as returns miscue information to the second capital management server.
Specifically, authentication module is conciliate a pair password and is verified to the state of electronic certificate, when the two is tested
When demonstrate,proving successfully, it is verified, when any one checking is unsuccessful, authentication failed.Electronics can first be verified
The state of voucher, after the state verification success of electronic certificate, then verifies that solution pays password, when solution pays password
After being proved to be successful, then it is verified；Or, it is also possible to first checking solution pays password, when solution pays password authentication
After success, then the state of electronic certificate is verified, after the state verification success of electronic certificate, then verified logical
Cross.
The state that solution pays the electronic certificate for applying for corresponding is verified, including checking solution is paid and applies for that institute is right
Whether whether the electronic certificate answered solve effectively or/and and pay, if electronic certificate effectively or/and not yet solution is paid,
It is proved to be successful；If electronic certificate fails or/and solves paying, authentication failed.
Checking solution pay a password, i.e. checking solution pay password and first terminal it is reserved whether sign for information consistent,
It is proved to be successful if consistent, the authentication failed if inconsistent.
Solution pays module：For after authentication module is verified, performing solution to electronic certificate and paying.
Specifically, solution pays module by the fund freezed in the account associated by electronic certificate or accrediting amount solution
Freeze, and by the funds transfer after defrosting to the second capital management server, the second capital management server is most
At last solution pays the account that funds transfer to second terminal is specified.Wherein, the account associated by electronic certificate,
That is the account as guarantee specified during electronic certificate is opened in first terminal application.
Further, also including state update module, the state update module is used for：When authentication module is tested
After card passes through, the state for updating electronic certificate is to wait to solve to pay, and sends solution pair notice to first terminal；When
After electronic certificate solution is paid, the state for updating electronic certificate is paid to solve, and to the second capital management server
Send fresh information.
Referring to Fig. 6, the network payment device second embodiment of the present invention, the device application of the present embodiment are proposed
In aforementioned first capital management server, the present embodiment is the increase in a password with the difference of first embodiment
Generation module, wherein：
Command generation module is used for：Password is generated, and by the password for generating by first terminal or the second money
Golden management server is sent to second terminal, or is transmitted directly to second terminal.So that second terminal connects
After receiving password, password is paid using the password as solution, and pays password by the solution in the specified period and submitted to
Pay to the second capital management server application solution.
Authentication module checking solution is paid password and is specially in the present embodiment：Checking solution pays password and password generated mould
Whether the password that block is generated is consistent, is proved to be successful if consistent, the authentication failed if inconsistent.
The network payment device that above-described embodiment is provided belongs to same design with method of network payment embodiment,
It implements technical characteristic that process referred in embodiment of the method, and embodiment of the method in device embodiment
In correspond to be suitable for, repeat no more here.
So as to the network payment system and device of the present invention, when second terminal is taken by the second capital management
Business device proposes that solution provides solution and pays password simultaneously when paying and applying to the first capital management server, and Jing first is provided
Golden management server is paid solution password authentication and is paid by the rear electronic certificate solution that just performs, and improves electronic certificate
Solution pays the security of link, has both ensured the fund security of buyer, can ensure that the seller after honouring an agreement again
Fund can be in time received, the interests of both parties are maintained, transaction risk is reduced, electronics business is promoted
The sound development of business.
One of ordinary skill in the art will appreciate that, realize all or part of step in above-described embodiment method
The hardware that correlation can be controlled by program is completed, and described program can be stored in a computer-readable
In taking storage medium, described storage medium can be ROM/RAM, disk, CD etc..
It should be appreciated that these are only the preferred embodiments of the present invention, it is impossible to therefore limit the present invention's
The scope of the claims, the equivalent structure or equivalent process that every utilization description of the invention and accompanying drawing content are made becomes
Change, or be directly or indirectly used in other related technical fields, the patent of the present invention is included in the same manner
In protection domain.
Claims (12)
1. a kind of method of network payment, it is characterised in that including step：
The solution to electronic certificate that second capital management server sends second terminal is paid application and conciliates a pair mouth
Order is transmitted to the first capital management server；
Solution described in the first capital management server authentication pays password and the solution is paid corresponding to application
The state of electronic certificate, after being verified, performs solution and pays to the electronic certificate.
2. a kind of method of network payment, is applied to the first capital management server, it is characterised in that include
Step：
The solution to electronic certificate for receiving the transmission of the second capital management server pays an application reconciliation pair password；
The checking solution pays password and the solution pays the state of the corresponding electronic certificate of application；
After being verified, solution is performed to the electronic certificate and is paid.
3. method of network payment according to claim 2, it is characterised in that the solution is paid password and is
What first terminal was reserved when electronic certificate is opened signs for information, and the checking pair password that solves includes：
Whether the checking solution pair password is consistent with the information of signing for, and is proved to be successful if consistent, if not
Consistent then authentication failed.
4. method of network payment according to claim 2, it is characterised in that the solution is paid password and is
The first capital management server is generated and sent to the password of second terminal, and described solution of the checking is paid
Password includes：
Whether the checking solution pair password is consistent with the password of the generation, is proved to be successful if consistent, if
Inconsistent then authentication failed.
5. the method for network payment according to any one of claim 2-4, it is characterised in that described to test
The card solution pays the state of the corresponding electronic certificate of application to be included：
Whether whether the checking solution pay the corresponding electronic certificate of application and solve effectively or/and and pay, if described
Electronic certificate effectively or/and not yet pay by solution, then be proved to be successful, otherwise authentication failed.
6. the method for network payment according to any one of claim 2-4, it is characterised in that described right
The electronic certificate also includes before performing the step of solution is paid：
After being verified, the state for updating the electronic certificate is paid to treat solution.
7. a kind of network payment system, it is characterised in that including second terminal, the first capital management service
Device and the second capital management server, wherein：
The second terminal, pays for sending the solution to electronic certificate to the second capital management server
Application is conciliate and pays password；
The second capital management server, it is described for the solution pair application reconciliation pair password to be transmitted to
First capital management server；
The first capital management server, for verifying that the solution pays password and the solution pays application institute
The state of corresponding electronic certificate, after being verified, performs solution and pays to the electronic certificate.
8. a kind of network payment device, is applied to the first capital management server, it is characterised in that include
Receiver module, authentication module are conciliate and pay module, wherein：
The receiver module, pays for receiving the solution to electronic certificate that the second capital management server sends
Application is conciliate and pays password；
The authentication module, for verifying that the solution pays password and the solution pays application corresponding electronics
The state of voucher；
The solution pays module, for after the authentication module is verified, performing to the electronic certificate
Solution is paid.
9. network payment device according to claim 8, it is characterised in that the solution is paid password and is
What first terminal was reserved when electronic certificate is opened signs for information, and the authentication module is used for：
Whether the checking solution pair password is consistent with the information of signing for, and is proved to be successful if consistent, if not
Consistent then authentication failed.
10. network payment device according to claim 8, it is characterised in that also give birth to including password
Into module, the command generation module is used for：Password is generated, and the password for generating is passed through into first terminal
Or the second capital management server is sent to second terminal, or it is transmitted directly to the second terminal；
The authentication module is used for：The checking solution pays the password that password is generated with the command generation module
It is whether consistent, it is proved to be successful if consistent, the authentication failed if inconsistent.
The 11. network payment devices according to any one of claim 8-10, it is characterised in that described
Authentication module is used for：
Whether whether the checking solution pay the corresponding electronic certificate of application and solve effectively or/and and pay, if described
Electronic certificate effectively or/and not yet pay by solution, then be verified, otherwise authentication failed.
The 12. network payment devices according to any one of claim 8-10, it is characterised in that also wrap
State update module is included, the state update module is used for：After the authentication module is verified, more
The state of new electronic certificate is paid to treat solution.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510428574.3A CN106651365A (en) | 2015-07-21 | 2015-07-21 | Network payment method, system and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510428574.3A CN106651365A (en) | 2015-07-21 | 2015-07-21 | Network payment method, system and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106651365A true CN106651365A (en) | 2017-05-10 |
Family
ID=58815453
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510428574.3A Pending CN106651365A (en) | 2015-07-21 | 2015-07-21 | Network payment method, system and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106651365A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112016928A (en) * | 2019-05-31 | 2020-12-01 | 华控清交信息科技(北京)有限公司 | Payment method and device for payment |
-
2015
- 2015-07-21 CN CN201510428574.3A patent/CN106651365A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112016928A (en) * | 2019-05-31 | 2020-12-01 | 华控清交信息科技(北京)有限公司 | Payment method and device for payment |
| CN112016928B (en) * | 2019-05-31 | 2024-01-16 | 华控清交信息科技(北京)有限公司 | Payment method and device and payment device |
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