CN110298752A - Method of payment - Google Patents

Method of payment Download PDF

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Publication number
CN110298752A
CN110298752A CN201910456730.5A CN201910456730A CN110298752A CN 110298752 A CN110298752 A CN 110298752A CN 201910456730 A CN201910456730 A CN 201910456730A CN 110298752 A CN110298752 A CN 110298752A
Authority
CN
China
Prior art keywords
payment
beneficiary
paying party
contract
payment platform
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201910456730.5A
Other languages
Chinese (zh)
Inventor
姚克玄
冯赛涛
骆彬彬
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.)
Jianfu'an (shanghai) Network Technology Co Ltd
Original Assignee
Jianfu'an (shanghai) Network Technology Co Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Jianfu'an (shanghai) Network Technology Co Ltd filed Critical Jianfu'an (shanghai) Network Technology Co Ltd
Priority to CN201910456730.5A priority Critical patent/CN110298752A/en
Publication of CN110298752A publication Critical patent/CN110298752A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/125Finance or payroll

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

Abstract

The invention discloses a kind of methods of payment, wherein includes: the log-on message that payment platform obtains paying party;Beneficiary information, the voucher attachment for obtaining paying party typing, generate pay invoice;Payment platform generates payment contract, notice beneficiary confirmation;The log-on message of beneficiary is obtained, beneficiary confirms payment contract;Paying party fund enters beneficiary account by payment platform and freezes;Payment platform obtains the defrosting request of beneficiary, if paying party is agreed to thaw, payment platform defrosting fund;If paying party disagrees defrosting, apply paying contract arbitration.The present invention carries out registering transaction to two-sided information using payment platform, and it can targetedly generate contract, fund is transferred to beneficiary account from paying party account by payment platform and freezes, the financial need paying party could thaw after agreeing to, and if both sides dispute on, it can then be arbitrated by payment platform, so that both parties are ensured in terms of fund security.

Description

Method of payment
Technical field
The present invention relates to a kind of financial technique more particularly to a kind of methods of payment.
Background technique
Staple commodities transaction is refered in particular to specialize in large class good distribution market that electronics bargain transaction set is protected, and is claimed For spot market, allow unacquainted people that can also do biennialization business.
In the prior art, staple commodities are traded single great amount, and quality quantity defines complexity, and when phenomenon of practising fraud has Occur.First paying the bill, still first to deliver always be problem that industry faces.
Internet business will realize that unacquainted people can also do biennialization business, must just solve dealing mutual trust problem.
Trust problem and then a kind of payment system developed when the technology of the present invention is exactly to solve transaction.Be it is a kind of towards A kind of payment scene innovative design paid between enterprise.
Summary of the invention
Above-mentioned purpose of the invention is achieved through the following technical solutions:
A kind of method of payment, wherein include:
The log-on message of payment platform acquisition paying party;
Beneficiary information, the voucher attachment for obtaining paying party typing, generate pay invoice;
Payment platform generates payment contract, notice beneficiary confirmation;
The log-on message of beneficiary is obtained, beneficiary confirms payment contract;
Paying party fund enters beneficiary account by payment platform and freezes;
Payment platform obtains the defrosting request of beneficiary, if paying party is agreed to thaw, payment platform defrosting fund;Such as Fruit paying party disagrees defrosting, then beneficiary application pays contract arbitration.
Method of payment as described above, wherein during beneficiary account, payment platform obtains paying party for freezing of funds Refund request, if beneficiary agree to reimbursement, payment platform is by fund reimbursement to paying party account, if beneficiary is different Meaning reimbursement, then paying party application pays contract arbitration.
Method of payment as described above, wherein log-on message includes the corresponding account information of paying party certification account.
Method of payment as described above, wherein payment platform obtains the account amount of money information of paying party, to paying party typing Beneficiary information in Payment Amount information compared with account amount of money information, if account amount of money information is greater than or equal to Payment Amount information then generates pay invoice, otherwise, then present the bill for payment side's insufficient in amount, method of payment as described above, In, after paying party confirms the beneficiary information of typing, voucher attachment, payment platform sends mobile phone identifying code to matched Paying party cell-phone number, after obtaining correct mobile phone identifying code, payment platform generates pay invoice.
Method of payment as described above, wherein stored after payment platform generation payment contract flat to electronic third-party contract Platform carries out depositing card.
Method of payment as described above, wherein payment platform record the order record of corresponding log-on message, supplement with money record, Payment record, reimbursement record, record of withdrawing deposit, fund variation statement.
Method of payment as described above, wherein logical by short massage notice after the refund request of payment platform acquisition paying party Know that beneficiary is handled, is paying party account avail after fund reimbursement to paying party account if beneficiary agrees to reimbursement;Branch Paying order becomes completion status.
Method of payment as described above, wherein if paying party disagrees defrosting, paying party uploads the original for disagreeing defrosting Because of information, if payment platform receives the information that beneficiary is not accepted, beneficiary application pays contract arbitration.
Method of payment as described above, wherein stored after payment platform generation payment contract flat to electronic third-party contract Platform, after beneficiary confirms payment contract, electronic third-party contract platform registers the execution of contract.
In conclusion by adopting the above-described technical solution, the present invention registers two-sided information using payment platform Transaction, and contract can be targetedly generated, fund is transferred to beneficiary account from paying party account by payment platform and freezes Knot, the financial need paying party could thaw after agreeing to, and if both sides dispute on, it can be carried out by payment platform secondary It cuts out, so that both parties are ensured in terms of fund security.
Detailed description of the invention
Fig. 1 is the flow diagram of method of payment of the present invention.
Specific embodiment
The present invention is described further with reference to the accompanying drawings and examples:
Fig. 1 is the flow diagram of method of payment of the present invention, refers to figure, a kind of method of payment, wherein include:
The log-on message of payment platform acquisition paying party;
Beneficiary information, the voucher attachment for obtaining paying party typing, generate pay invoice;
Payment platform generates payment contract, notice beneficiary confirmation;
The log-on message of beneficiary is obtained, beneficiary confirms payment contract;
Paying party fund enters beneficiary account by payment platform and freezes;
Payment platform obtains the defrosting request of beneficiary, if paying party is agreed to thaw, payment platform defrosting fund;Such as Fruit paying party disagrees defrosting, and beneficiary application pays contract arbitration.Contract arbitration can be by beneficiary actively in payment platform Upper proposition.
After the payment funding of paying party of the present invention to beneficiary account, in the state freezed, the operation of defrosting and reimbursement, The confirmation for requiring the side of being suggested, this guarantees only in the case where both sides accept, fund can just be finally completed friendship It easily,, can be with moreover, be also added into the part of contract arbitration to effectively prevent dispute and loss caused by unilaterally operating Online to carry out contract arbitration, the evidence combination contract that the available both sides of payment platform provide judges, can be logical on backstage The opinion that special expert legal staff provides processing is crossed, ensure that the equity of both sides.
Specifically, beneficiary and paying party can carry out unified login by login module, login module is payment platform Submodule, login module can provide multiple terminals authorization log in.
Further, payment platform can also include account management module, and user is carried out by account management module: a The modification of people's information, message informing design, tripartite bind account setting, modification logging design, payment cipher setting etc. about account Sequence of operations.
It can be by special electronic contract module, by electronic contract module in paying party in payment platform of the invention Electronic contract is generated simultaneously after confirmation pay invoice, and electronic contract can be stored to third party and deposit card.
Payment platform, which is opened, can have individual payment module: in order to meet scene demand, individually establishing payment module, receives Silver-colored platform is included in inside payment module.Payment module is called to require authorization identifying, external offer sub-service business mainly has fund Account balance inquiry, enterprise account authentication verification, inquires authentication result, enters golden asynchronous transaction, jelly enterprise account certification application It ties, thaw, the inquiry of result queries of opening an account, subscription and unsubscription, order payment result, order payment, printing Electronic Transfer voucher, inquiry electricity Sub- transfer voucher, settlement accounts maintenance, Account activation.
Specifically, above-mentioned login module, account management module, electronic contract module can be disposed according to different applications Beyond the clouds on different nodes, module calls enterprise module to need Authentication Authorization, clustered deploy(ment), High Availabitity.
Further, during beneficiary account, payment platform obtains the refund request of paying party for freezing of funds, if Beneficiary agrees to reimbursement, then payment platform is by fund reimbursement to paying party account, if beneficiary disagrees reimbursement, paying party Application payment contract arbitration.
Further, log-on message includes the corresponding account information of paying party certification account.
Further, payment platform obtains the account amount of money information of paying party, in the beneficiary information of paying party typing Payment Amount information compared with account amount of money information, if account amount of money information be greater than or equal to Payment Amount information, Then generate pay invoice, otherwise, then present the bill for payment side's insufficient in amount,
Further, after paying party confirms the beneficiary information of typing, voucher attachment, payment platform sends mobile phone Identifying code is to matched paying party cell-phone number, and after obtaining correct mobile phone identifying code, payment platform generates pay invoice.
Further, it stores after payment platform generation payment contract to electronic third-party contract platform and carries out depositing card.
Further, payment platform records the order record of corresponding log-on message, supplements record, payment record, reimbursement note with money It records, record of withdrawing deposit, fund variation statement.
Further, beneficiary processing is notified by short massage notice after the refund request of payment platform acquisition paying party, such as Fruit beneficiary agrees to reimbursement, is paying party account avail after fund reimbursement to paying party account;Pay invoice becomes completing State, transaction are completed.
Further, if the reason of paying party disagrees defrosting, and paying party upload disagrees defrosting information, if payment Platform receives the information that beneficiary is not accepted, then beneficiary application pays contract arbitration.
Further, payment platform stores after generating payment contract to electronic third-party contract platform, beneficiary confirmation branch After the contract of paying, electronic third-party contract platform registers the execution of contract.
The preferred embodiment of the present invention has been described in detail above.It should be appreciated that those skilled in the art without It needs creative work or according to the present invention can conceive by software programming to make many modifications and variations.Therefore, all Technician in the art passes through logic analysis, reasoning or limited on the basis of existing technology under this invention's idea The available technical solution of experiment, all should be within the scope of protection determined by the claims.

Claims (10)

1. a kind of method of payment characterized by comprising
The log-on message of payment platform acquisition paying party;
Beneficiary information, the voucher attachment for obtaining paying party typing, generate pay invoice;
Payment platform generates payment contract, notice beneficiary confirmation;
The log-on message of beneficiary is obtained, beneficiary confirms payment contract;
Paying party fund enters beneficiary account by payment platform and freezes;
Payment platform obtains the defrosting request of beneficiary, if paying party is agreed to thaw, payment platform defrosting fund;If paid Money side disagrees defrosting, then beneficiary application pays contract arbitration.
2. method of payment according to claim 1, which is characterized in that freezing of funds is during beneficiary account, payment Platform obtains the refund request of paying party, if beneficiary agrees to reimbursement, payment platform by fund reimbursement to paying party account, If beneficiary disagrees reimbursement, paying party application pays contract arbitration.
3. method of payment according to claim 1, which is characterized in that log-on message includes that paying party certification account is corresponding Account information.
4. method of payment according to claim 1, which is characterized in that payment platform obtains the account amount of money letter of paying party Breath, the Payment Amount information in the beneficiary information of paying party typing is compared with account amount of money information, if account is golden Volume information is greater than or equal to Payment Amount information, then generates pay invoice, otherwise, then present the bill for payment side's insufficient in amount.
5. method of payment according to claim 1, which is characterized in that paying party is attached to the beneficiary information of typing, voucher After part is confirmed, payment platform sends mobile phone identifying code to matched paying party cell-phone number, obtains correct mobile phone identifying code Afterwards, payment platform generates pay invoice.
6. method of payment according to claim 1, which is characterized in that payment platform stores after generating payment contract to third Square electronic contract platform carries out depositing card.
7. method of payment according to claim 1, which is characterized in that payment platform records the order note of corresponding log-on message It records, supplement record, payment record, reimbursement record, record of withdrawing deposit, fund variation statement with money.
8. method of payment according to claim 2, which is characterized in that lead to after the refund request of payment platform acquisition paying party It is paying party account after fund reimbursement to paying party account that short massage notice notice beneficiary processing, which is crossed, if beneficiary agrees to reimbursement Family avail;Pay invoice becomes completion status.
9. method of payment according to claim 1, which is characterized in that if paying party disagrees defrosting, paying party is uploaded The reason of disagreeing defrosting information, if payment platform receives the information that beneficiary is not accepted, beneficiary application pays contract Arbitration.
10. method of payment according to claim 1, which is characterized in that payment platform stores after generating payment contract to the Tripartite's electronic contract platform, after beneficiary confirms payment contract, electronic third-party contract platform registers the execution of contract.
CN201910456730.5A 2019-05-29 2019-05-29 Method of payment Pending CN110298752A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201910456730.5A CN110298752A (en) 2019-05-29 2019-05-29 Method of payment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201910456730.5A CN110298752A (en) 2019-05-29 2019-05-29 Method of payment

Publications (1)

Publication Number Publication Date
CN110298752A true CN110298752A (en) 2019-10-01

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CN201910456730.5A Pending CN110298752A (en) 2019-05-29 2019-05-29 Method of payment

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Country Link
CN (1) CN110298752A (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111027975A (en) * 2019-12-13 2020-04-17 支付宝(杭州)信息技术有限公司 Network payment method, device, equipment and system
CN112184239A (en) * 2020-09-23 2021-01-05 支付宝(杭州)信息技术有限公司 Secure payment method, device, equipment and readable medium
CN113128985A (en) * 2021-04-23 2021-07-16 中国工商银行股份有限公司 Online transaction method, device, equipment and medium based on intelligent contract

Citations (9)

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Publication number Priority date Publication date Assignee Title
CN101334875A (en) * 2007-06-25 2008-12-31 黄金富 Method and system for payment in instant mutual bank transfer by mobile phone
CN101957959A (en) * 2010-09-28 2011-01-26 中国民生银行股份有限公司 Mobile terminal payment processing method, mobile terminal receipt processing method and systems
CN102930469A (en) * 2012-11-13 2013-02-13 中国民生银行股份有限公司 Transfer data processing method and device
CN104766235A (en) * 2015-04-23 2015-07-08 山东卓创资讯集团有限公司 Bulk commodity transaction data processing system and data processing method
CN106228350A (en) * 2016-08-23 2016-12-14 湖南惠农科技有限公司 Transaction processing system and method
CN106709719A (en) * 2015-07-21 2017-05-24 深圳市银信网银科技有限公司 Method, device and system for issuing electronic certificate
CN107067291A (en) * 2017-01-24 2017-08-18 广州发展集团股份有限公司 A kind of staple commodities logistics and the credit checking method and system in supply chain management
CN107798517A (en) * 2016-08-31 2018-03-13 深圳市银信网银科技有限公司 Bill payment method, apparatus and system
CN108647944A (en) * 2018-05-22 2018-10-12 阿里巴巴集团控股有限公司 Data processing method during on-line payment and device

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101334875A (en) * 2007-06-25 2008-12-31 黄金富 Method and system for payment in instant mutual bank transfer by mobile phone
CN101957959A (en) * 2010-09-28 2011-01-26 中国民生银行股份有限公司 Mobile terminal payment processing method, mobile terminal receipt processing method and systems
CN102930469A (en) * 2012-11-13 2013-02-13 中国民生银行股份有限公司 Transfer data processing method and device
CN104766235A (en) * 2015-04-23 2015-07-08 山东卓创资讯集团有限公司 Bulk commodity transaction data processing system and data processing method
CN106709719A (en) * 2015-07-21 2017-05-24 深圳市银信网银科技有限公司 Method, device and system for issuing electronic certificate
CN106228350A (en) * 2016-08-23 2016-12-14 湖南惠农科技有限公司 Transaction processing system and method
CN107798517A (en) * 2016-08-31 2018-03-13 深圳市银信网银科技有限公司 Bill payment method, apparatus and system
CN107067291A (en) * 2017-01-24 2017-08-18 广州发展集团股份有限公司 A kind of staple commodities logistics and the credit checking method and system in supply chain management
CN108647944A (en) * 2018-05-22 2018-10-12 阿里巴巴集团控股有限公司 Data processing method during on-line payment and device

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111027975A (en) * 2019-12-13 2020-04-17 支付宝(杭州)信息技术有限公司 Network payment method, device, equipment and system
CN111027975B (en) * 2019-12-13 2021-05-25 支付宝(杭州)信息技术有限公司 Network payment method, device, equipment and system
CN112184239A (en) * 2020-09-23 2021-01-05 支付宝(杭州)信息技术有限公司 Secure payment method, device, equipment and readable medium
CN112184239B (en) * 2020-09-23 2023-10-27 支付宝(中国)网络技术有限公司 Secure payment method, apparatus, device and readable medium
CN113128985A (en) * 2021-04-23 2021-07-16 中国工商银行股份有限公司 Online transaction method, device, equipment and medium based on intelligent contract

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Application publication date: 20191001