CN109978520A - Converging network method of payment and system - Google Patents
Converging network method of payment and system Download PDFInfo
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- CN109978520A CN109978520A CN201711449263.0A CN201711449263A CN109978520A CN 109978520 A CN109978520 A CN 109978520A CN 201711449263 A CN201711449263 A CN 201711449263A CN 109978520 A CN109978520 A CN 109978520A
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- payment
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- user
- converging
- request
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
Abstract
The invention discloses a kind of converging network methods of payment, comprising steps of consumer-user is by APP or has the system of payment services demand to initiate network payment request to converging network payment system；Converging network payment system receives the network payment request that consumer-user initiates, and network payment request is sent to telecom operators or Third-party payment platform；Telecom operators or Third-party payment platform receive the network payment request that converging network payment system is sent；Telecom operators or Third-party payment platform initiate payment verification to consumer-user；Telecom operators or Third-party payment platform execute network payment and withhold operation after the safe compliance of payment transaction is verified.The present invention also proposes a kind of converging network payment system using the above method.Above-mentioned converging network method of payment and system can complete network payment by payment system by all kinds of means, reduce the business complexity of network payment, keep network payment more convenient.
Description
Technical field
The present invention relates to internet areas, more particularly to converging network method of payment and system.
Background technique
With the fast development of Internet technology, more and more consumers, manufacturer and financial institution make in internet
Network payment or fund flow are carried out with secured electronic charging means.Network payment is to pass through number circulation using advanced technology
It is transmitted to complete information, its working environment is based on an open internet system platform, network payment and conventional payment phase
Comparing has conveniently, fast, advantage efficiently, economic.
In many network payment plateform systems now, it is relatively simple to dock financial payment channel, often only and single machine
The payment platform of structure docks, and limits the range of choice that consumer-user uses network payment method, largely affects
Consumer-user uses the selectivity and convenience of network payment.Therefore, realize that by all kinds of means, conveniently network payment is mesh
Preceding technical problem urgently to be resolved.
Summary of the invention
In view of the above situation, it is necessary to provide and a kind of overcome the above problem or at least be partially solved the poly- of the above problem
Close method of network payment and system.
A kind of converging network method of payment, comprising the following steps:
Consumer-user is by APP or has the system of payment services demand to ask to converging network payment system initiation network payment
It asks；
Converging network payment system receives the network payment request that consumer-user initiates, and network payment request is sent to
Telecom operators or Third-party payment platform；
Telecom operators or Third-party payment platform receive the network payment request that converging network payment system is sent；
To consumer-user's initiation payment verification, the safety of validation of payment transaction closes rule for telecom operators or Third-party payment platform
Property；
Telecom operators or Third-party payment platform execute network payment button after the safe compliance of payment transaction is verified
Money operation.
The consumer-user passes through APP or the network for having the system of payment services demand to initiate to payment system by all kinds of means
Article of consumption, spending amount and user basic information are carried in payment request.
The user basic information includes but is not limited to the name, contact method, payment accounts of user.
The safe compliance of the payment transaction is sent out by telecom operators or Third-party payment platform to consumer-user
Short message safety verification code is sent to carry out payment verification.
The execution network payment withholds to operate carries out expense financial settlement according to billing cycle automatically.
The present invention also proposes a kind of converging network payment system, using above-mentioned converging network method of payment, comprising:
Payment request module initiates network payment request by APP or the system for having payment services demand suitable for consumer-user；
Payment interface module is coupled with the payment request module, the network initiated suitable for receiving the payment request module
Payment request simultaneously sends the specific payment platform for executing network payment for network payment request；
Correction verification module is paid, is coupled with the payment interface module, the payment sent suitable for receiving the payment interface module
It requests and executes the verification of safety of payment compliance；
Delivery operation module is coupled with the payment correction verification module, after completing the verification of safety of payment compliance, executes network
Payment transaction is withholdd operation.
Article of consumption, spending amount and user is carried in the network payment request that the payment request module is initiated to believe substantially
Breath.
The user basic information includes but is not limited to the name, contact method, payment accounts of user.
The payment correction verification module sends short message peace to consumer-user by telecom operators or Third-party payment platform
Full identifying code carries out payment verification.
The delivery operation module execution network payment withholds to operate carries out expense financial settlement according to billing cycle automatically.
Converging network method of payment and system proposed by the present invention can complete network payment by payment system by all kinds of means,
It can unify docking telecom operators or Third-party payment platform, provide external system unified payment services interface, greatly
It reduces APP or has the business complexity of the system docking network payment of payment services demand, keep network payment more convenient.
Detailed description of the invention
Fig. 1 shows the flow chart of the converging network method of payment of first embodiment of the invention.
Fig. 2 shows the flow charts of the converging network method of payment of second embodiment of the invention.
Fig. 3 shows the structural schematic diagram of converging network payment system according to an embodiment of the invention.
Specific embodiment
To facilitate the understanding of the present invention, a more comprehensive description of the invention is given in the following sections with reference to the relevant attached drawings.In attached drawing
Give preferred embodiment of the invention.But the invention can be realized in many different forms, however it is not limited to this paper institute
The embodiment of description.On the contrary, purpose of providing these embodiments is make it is more thorough and comprehensive to the disclosure.
Referring to Fig. 1, Fig. 1 shows the flow chart of the converging network method of payment of first embodiment of the invention, including with
Lower step:
S102, consumer-user is by APP or has the system of payment services demand to initiate network branch to converging network payment system
Pay request；
S104, converging network payment system receives the network payment request that consumer-user initiates, and the network payment is requested
It is sent to telecom operators or Third-party payment platform；
S106, telecom operators or Third-party payment platform receive the network payment request that converging network payment system is sent；
S108, telecom operators or Third-party payment platform initiate payment verification, the peace of validation of payment transaction to consumer-user
Full compliance；
S110, telecom operators or Third-party payment platform execute network after the safe compliance of payment transaction is verified
Pay operation of withholing.
In the converging network method of payment of above-described embodiment, consumer-user by APP or have payment services demand be
It unites and carries article of consumption, spending amount and user basic information into the network payment request that payment system by all kinds of means is initiated, such as
Consumer-user buys clothes by certain shopping APP software in smart phone, in payment to converging network payment system
Network payment request is initiated, the style containing pending payment clothes, color etc. in request, further include the specific gold of consumption in request
Volume, the name of consumer-user, gender, telephone number, address etc..
The converging network payment system receives the network payment request that consumer-user initiates, and the network payment is requested
It is sent to telecom operators or Third-party payment platform；
The telecom operators or Third-party payment platform are China Mobile, China Unicom, China Telecom or Alipay, wechat branch
Pay platform etc..
The converging network payment system can with one or more of above-mentioned telecom operators or Third-party payment platform into
Converging network payment is realized in row docking.
The telecom operators or Third-party payment platform receive the network payment request that converging network payment system is sent, with
Telecom operators or Third-party payment platform close rule to consumer-user's initiation payment verification with the safety of validation of payment transaction afterwards
Property；
The safe compliance of the payment transaction sends short message to consumer-user by telecom operators or Third-party payment platform
Safety verification code carries out payment verification, as the consumer-user of certain China Unicom mobile phone passes through certain shopping APP in smart phone
When software purchase clothes is paid the bill, the short of 6 bit digitals will be sent from corresponding China Unicom operator to the consumer-user
Believe identifying code, after user receives the short message verification code, corresponding position inputs the short message verification code simultaneously in shopping APP software
The short message verification code information is sent to China Unicom operator, the short message of subsequent China Unicom operator confirmation user's input is tested
Whether correct demonstrate,prove code, the short message verification code of input correctly then executes behavior of withholing accordingly, and China Unicom operator is by taking off
Telephone expenses mode is withholdd, and does not execute the behavior of withholing if the short message verification code mistake of input.It should be understood that of the invention
In other embodiments, Third-party payment platform can detain in such a way that the bank account for deducting user's binding corresponds to the amount of money
Money.It operates in addition, the network payment is withholdd and can also carry out automatically expense financial settlement according to billing cycle, such as weekly or monthly
Expense financial settlement is carried out to the consumer behavior that user generates within this week or this month.
Referring to Fig. 2, Fig. 2 shows the flow charts of the converging network method of payment of second embodiment of the invention, lead to below
The embodiment is crossed the present invention will be described in detail the process that network payment is carried out by converging network payment system, this method includes at least
Step S202 to step S236:
S202, consumer-user issue payment request；
S204, APP have the system of payment services demand to receive payment request；
The payment request of step S204 is sent to payment system by all kinds of means by S206；
S208, payment system receives the payment request of step S206 transmission by all kinds of means；
The S208 payment request received is sent to telecom operators or Third-party payment platform by S210；
S212, telecom operators or Third-party payment platform receive payment request, and initiate the safe compliance verification of payment transaction
Operation；
S214, telecom operators or Third-party payment platform send payment verification code to user mobile phone；
S216, user is in APP or has and inputs payment verification code in the system of payment services demand；
S218, APP or the payment verification code for thering is the system of payment services demand to receive user's input；
The payment verification code that user in step S218 inputs is sent to payment system by all kinds of means by S220；
S222, payment system receives the payment verification code of user's input by all kinds of means；
Received payment verification code is sent to telecom operators or Third-party payment platform by S224；
The payment verification code of S226, telecom operators or Third-party payment platform confirmation user's input, executes payment transaction operation；
Transaction results are sent payment platform by all kinds of means by S228, telecom operators or Third-party payment platform；
S230, payment platform receives the payment transaction result of telecom operators or Third-party payment platform by all kinds of means；
S232, payment transaction result is sent to APP or has the system of payment services demand by payment platform by all kinds of means；
S234, APP have the system of payment services demand to receive payment transaction result；
S236, APP have the system of payment services demand that received payment transaction result is fed back to consumer-user.
The present invention also proposes a kind of converging network payment system, using above-mentioned converging network method of payment.
Referring to Fig. 3, Fig. 3 shows the structural representation of converging network payment system according to an embodiment of the invention
Figure, the converging network payment system include:
Payment request module 10 is initiated network payment by APP or the system for having payment services demand suitable for consumer-user and is asked
It asks；
Payment interface module 20 is coupled 10 with payment request module, the network branch initiated suitable for receiving payment request module 10
It pays request and sends the specific payment platform for executing network payment for network payment request；
Correction verification module 30 is paid, is coupled 20 with payment interface module, is asked suitable for receiving the payment that payment interface module 20 is sent
It asks and executes the verification of safety of payment compliance；
Delivery operation module 40 is coupled 30 with the payment correction verification module, after completing the verification of safety of payment compliance, executes
Network payment transaction is withholdd operation.
Article of consumption, spending amount and user is carried in the network payment request that the payment request module 10 is initiated to believe substantially
Breath.
The user basic information includes but is not limited to name, gender, the telephone number, address of user.
The payment correction verification module 30 sends short message peace to consumer-user by telecom operators or Third-party payment platform
Full identifying code carries out payment verification.
The delivery operation module 40 execution network payment withholds to operate carries out expense financial settlement according to billing cycle automatically.
Converging network method of payment and system proposed by the present invention can complete network payment by payment system by all kinds of means,
It can unify docking telecom operators or Third-party payment platform, provide external system unified payment services interface, greatly
It reduces APP or has the business complexity of the system docking network payment of payment services demand, keep network payment more convenient.
The embodiments described above only express several embodiments of the present invention, and the description thereof is more specific and detailed, but simultaneously
Limitations on the scope of the patent of the present invention therefore cannot be interpreted as.It should be pointed out that for those of ordinary skill in the art
For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to guarantor of the invention
Protect range.Therefore, the scope of protection of the patent of the invention shall be subject to the appended claims.
Claims (10)
1. a kind of converging network method of payment, which comprises the following steps:
Consumer-user is by APP or has the system of payment services demand to ask to converging network payment system initiation network payment
It asks；
Converging network payment system receives the network payment request that consumer-user initiates, and network payment request is sent to
Telecom operators or Third-party payment platform；
Telecom operators or Third-party payment platform receive the network payment request that converging network payment system is sent；
To consumer-user's initiation payment verification, the safety of validation of payment transaction closes rule for telecom operators or Third-party payment platform
Property；
Telecom operators or Third-party payment platform execute network payment button after the safe compliance of payment transaction is verified
Money operation.
2. converging network method of payment according to claim 1, which is characterized in that the consumer-user by APP or
There is the system of payment services demand to carry article of consumption, spending amount into the network payment request that payment system by all kinds of means is initiated
And user basic information.
3. converging network method of payment according to claim 2, which is characterized in that the user basic information includes but not
It is limited to the name, contact method, payment accounts of user.
4. converging network method of payment according to claim 1, which is characterized in that the safe compliance of the payment transaction
Short message safety verification code, which is sent, to consumer-user by telecom operators or Third-party payment platform carries out payment verification.
5. converging network method of payment according to claim 1, which is characterized in that the execution network payment is withholdd operation
Expense financial settlement is carried out automatically according to billing cycle.
6. a kind of converging network payment system, which is characterized in that converging network method of payment as described in claim 1 is applied,
Include:
Payment request module initiates network payment request by APP or the system for having payment services demand suitable for consumer-user；
Payment interface module is coupled with the payment request module, the network initiated suitable for receiving the payment request module
Payment request simultaneously sends the specific payment platform for executing network payment for network payment request；
Correction verification module is paid, is coupled with the payment interface module, the payment sent suitable for receiving the payment interface module
It requests and executes the verification of safety of payment compliance；
Delivery operation module is coupled with the payment correction verification module, after completing the verification of safety of payment compliance, executes network
Payment transaction is withholdd operation.
7. converging network payment system according to claim 6, which is characterized in that the net that the payment request module is initiated
Article of consumption, spending amount and user basic information are carried in network payment request.
8. converging network payment system according to claim 7, which is characterized in that the user basic information includes but not
It is limited to the name, contact method, payment accounts of user.
9. converging network payment system according to claim 6, which is characterized in that the payment correction verification module passes through telecommunications
Operator or Third-party payment platform send short message safety verification code to consumer-user and carry out payment verification.
10. converging network payment system according to claim 6, which is characterized in that the delivery operation module executes net
Network payment withholds to operate carries out expense financial settlement according to billing cycle automatically.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201711449263.0A CN109978520A (en) | 2017-12-28 | 2017-12-28 | Converging network method of payment and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201711449263.0A CN109978520A (en) | 2017-12-28 | 2017-12-28 | Converging network method of payment and system |
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| CN201711449263.0A Withdrawn CN109978520A (en) | 2017-12-28 | 2017-12-28 | Converging network method of payment and system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110348823A (en) * | 2019-07-10 | 2019-10-18 | 上海中通吉网络技术有限公司 | Method of network payment and equipment |
| CN112541980A (en) * | 2020-12-18 | 2021-03-23 | 支付宝(杭州)信息技术有限公司 | In-vehicle device, in-vehicle terminal system, payment method, and non-transitory computer-readable storage medium |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105389695A (en) * | 2015-10-27 | 2016-03-09 | 江西掌中无限网络科技股份有限公司 | Multi-channel network payment method and system |
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2017
- 2017-12-28 CN CN201711449263.0A patent/CN109978520A/en not_active Withdrawn
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105389695A (en) * | 2015-10-27 | 2016-03-09 | 江西掌中无限网络科技股份有限公司 | Multi-channel network payment method and system |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110348823A (en) * | 2019-07-10 | 2019-10-18 | 上海中通吉网络技术有限公司 | Method of network payment and equipment |
| CN112541980A (en) * | 2020-12-18 | 2021-03-23 | 支付宝(杭州)信息技术有限公司 | In-vehicle device, in-vehicle terminal system, payment method, and non-transitory computer-readable storage medium |
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Application publication date: 20190705 |