CN112163847A - Online transaction platform and payment method for transaction funds without platform control - Google Patents
Online transaction platform and payment method for transaction funds without platform control Download PDFInfo
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- CN112163847A CN112163847A CN202010980218.3A CN202010980218A CN112163847A CN 112163847 A CN112163847 A CN 112163847A CN 202010980218 A CN202010980218 A CN 202010980218A CN 112163847 A CN112163847 A CN 112163847A
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- 238000000034 method Methods 0.000 title claims abstract description 18
- 238000012795 verification Methods 0.000 claims abstract description 5
- 238000010586 diagram Methods 0.000 description 2
- 238000007726 management method Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000008014 freezing Effects 0.000 description 1
- 238000007710 freezing Methods 0.000 description 1
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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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
Abstract
The invention relates to an online transaction platform without platform control of transaction funds, which comprises a transaction platform server and transaction platform mobile terminal application, and is matched with a third-party payment platform to realize online transaction service; the transaction platform server generates an order page containing seller collection account information; when a buyer pays on an order page, the mobile terminal application of the transaction platform sends the payment account information to the payment platform, after verification, the mobile terminal of the buyer opens a payment page, and the amount is input to complete payment to generate a payment certificate; the buyer submits the payment voucher and the order to a seller application on the transaction platform, and the transaction is completed after the payment voucher and the order are delivered; the buyer payment information and the transaction funds do not pass through the transaction platform. The invention also comprises a method for payment by using the online transaction platform, which avoids the problems of 'clear' of illegal transfer payment of trapped funds, and the like commonly encountered by e-commerce platforms.
Description
Technical Field
The invention relates to the field of online transaction platforms and online payment, in particular to an online transaction platform and a payment method for transaction funds without platform control.
Background
The other one is that on an e-commerce platform shared by a plurality of sellers and buyers, the buyer pays funds to a certain account controlled by the e-commerce platform and arrives at a payment mechanism, and after the payment mechanism receives freezing, deducting or payment instructions of the platform, the payment mechanism pays the funds to the seller, and a premise must be provided that the platform has a payment license plate for receiving and paying or realizes the collection and payment through other third parties with legal payment and settlement funds. If the transaction funds do not pass through the merchant platform's governing account, the merchant platform may not provide convenient online payment to the user.
Disclosure of Invention
The invention aims to provide an online transaction platform and an online payment method without platform control of transaction funds, mainly solves the problem that the platform in the prior art can control the transaction funds, can not intervene in the transaction funds of buyers and sellers, namely the transaction funds do not need any platform control, and the online transaction and payment between the buyers and sellers on the transaction platform can be directly finished by using the method.
In order to achieve the above object, the technical scheme adopted by the invention is to provide an online transaction platform without platform control for transaction funds, which is characterized by comprising a transaction platform server and a transaction platform mobile terminal application, and being matched with a payment platform of a third party to achieve online transaction service; the transaction platform server generates an order page containing seller collection account information; when a buyer pays on the order page, the transaction platform server sends the seller payment account information obtained by analysis to a transaction platform mobile terminal application of a transaction platform, the transaction platform mobile terminal application of the transaction platform sends the seller payment account information to the payment platform, a payment program is started on a mobile terminal of the buyer after verification, a payment page is opened, the buyer inputs money to complete payment, and a payment certificate is generated; the buyer submits the payment voucher and the order page to a seller shop on the transaction platform server, a seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application of the transaction platform, and the seller completes the transaction after shipping; the buyer payment information and the transaction funds are not passed through the transaction platform.
Further, the payment platform is a pay treasure or WeChat.
Further, the seller collection account information includes one or more collection tools and accounts; the collection tool and account correspond to the payment platform, provided by the seller to the buyer through the seller store; before payment, the buyer selects one collection tool and one collection account from the collection account information of the seller contained in the order page by using the transaction platform mobile terminal application of the transaction platform to pay.
Further, the collection tool and the account are collection two-dimensional codes.
Further, when the buyer pays, the transaction platform server analyzes the payment two-dimensional code to obtain the seller payment account information, and then sends the seller payment account information to a transaction platform mobile terminal application of the transaction platform; the transaction platform mobile terminal application of the transaction platform sends the seller collection account information to the corresponding payment platform, a payment program is started at the buyer mobile terminal after verification, a payment page is opened, the buyer inputs the amount of money to complete payment, and the money is transferred to a collection account opened by the seller at the payment platform to generate the payment certificate; the buyer submits the payment voucher and the order page to the seller shop on the transaction platform server, the seller can see the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application of the transaction platform, and the seller completes the transaction after shipping.
Further, when the buyer pays, after the transaction platform mobile terminal application of the transaction platform stores the collection two-dimensional code in a mobile terminal album, starting a corresponding code scanning function of the payment platform, opening a payment page of the payment application in a manner of scanning the collection two-dimensional code, inputting amount to complete payment, transferring funds to a collection account set by the seller on the payment platform, and generating the payment voucher; the buyer submits the payment voucher and the order page to the seller shop on the transaction platform server, the seller can see the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application of the transaction platform, and the seller completes the transaction after shipping.
The invention also provides a method for online payment by using the online transaction platform, which is characterized by comprising the following steps:
step S101, the buyer selects a commodity from the seller shop on the trading platform and submits the commodity to the trading platform server, the trading platform server generates the order page corresponding to the commodity and sends the order page to the trading platform mobile terminal application held by the buyer, and the trading platform mobile terminal application displays the order page to the buyer;
step S102, the buyer selects one collection two-dimensional code provided in the order page, and the selected collection two-dimensional code is submitted to the transaction platform server by utilizing the transaction platform mobile terminal application;
step S103, the transaction platform server analyzes the received collection two-dimensional code to obtain the collection account information of the seller, and the collection account information of the seller is sent to the corresponding payment platform through the application of the transaction platform mobile terminal; the payment platform starts a payment mobile terminal application of the buyer to open a payment page, the buyer inputs the amount to finish payment, the funds are immediately transferred to a collection account of the seller, and the payment voucher generated by the payment platform is obtained;
step S104, the transaction platform mobile terminal application acquires the payment voucher, the payment voucher and the order page are transmitted to the seller shop on the transaction platform server, a seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application, and the seller completes the transaction after delivery.
The invention also provides another method for online payment by using the online transaction platform, which is characterized by comprising the following steps:
step S201, the buyer selects a commodity from the seller shop on the trading platform and submits the commodity to the trading platform server, the trading platform server generates the order page corresponding to the commodity and sends the order page to the trading platform mobile terminal application, and the trading platform mobile terminal application displays the order page to the buyer;
step S202, the buyer selects one collection two-dimensional code provided in the order page, and stores the selected collection two-dimensional code picture into a mobile terminal album by using the transaction platform mobile terminal application;
step S203, the transaction platform mobile terminal application starts a code scanning function of the payment platform, scans the collection two-dimensional code stored in the mobile terminal album, opens a payment page of the payment mobile terminal application of the buyer, the buyer inputs money to complete payment, the transaction fund is immediately transferred to a collection account opened by the seller on the payment platform, and the payment voucher generated by the payment platform is obtained;
step S204, the transaction platform mobile terminal application of the transaction platform obtains the payment voucher, and transmits the payment voucher and the order page to the seller shop on the transaction platform server, and the seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application, and the seller completes the transaction after shipping.
In view of the above technical features, the present invention has the following advantages:
1. on the transaction platform, transaction funds are directly paid to the seller by the buyer without a third party except the buyer and the seller, so that the method is very safe, the seller does not have an account receivable period, the sale funds are immediately paid, and the fund use efficiency is improved.
And 2, the funds are bought and sold without passing through the account of the trading platform, so that the trading platform is prevented from using the funds to cause serious fund risk, and the so-called 'second-class clear' illegal operation is avoided.
And 3, the transaction fund is completely separated from the management and control of the transaction platform, and the transaction platform cannot require a payment mechanism to freeze, deduct fees and transfer payment for the transaction fund, so that the related fund security risk is avoided.
4, the transaction fund is not subjected to account or management and control of the platform, so that the extra cost generated by the buyer and the seller in the payment link is reduced.
And 5, the transaction funds do not pass through the account of the platform, and the platform does not need to apply for paying the license plate.
6, the transaction fund is not controlled by the platform, and the transaction platform does not need to spend money to carry out transaction fund escrow and payment on other institutions with payment license plates.
Drawings
FIG. 1 is a schematic structural diagram of a preferred embodiment of the present invention;
FIG. 2 is a flow diagram of an online payment process in accordance with a preferred embodiment of the present invention;
fig. 3 is another flow chart of online payment according to a preferred embodiment of the present invention.
In the figure: 1-buyer, 2-seller, 3-transaction platform mobile end application (buyer holds), 4-transaction platform server, 5-payment platform, 6-transaction platform mobile end application (seller holds).
Detailed Description
The invention will be further illustrated with reference to specific embodiments. It should be understood that these examples are for illustrative purposes only and are not intended to limit the scope of the present invention. Further, it should be understood that various changes or modifications of the present invention may be made by those skilled in the art after reading the teaching of the present invention, and such equivalents may fall within the scope of the present invention as defined in the appended claims.
Referring to fig. 1, the present invention discloses an online trading platform in which the traded funds are not managed and controlled by the platform. As shown in the figure, the online transaction service system comprises a transaction platform server 4 and a transaction platform mobile terminal application, and is matched with a payment platform 5 provided by different third parties to realize online transaction service. The trading platform mobile application is further divided into a trading platform mobile application (buyer holding) 3 and a trading platform mobile application (seller holding) 6. The online transaction platform itself does not contain the payment platform 5, but may work in conjunction with a different third party payment platform 5. The payment platform is a payment treasure or a WeChat, and the payment platform 5 corresponds to the payment treasure and the WeChat respectively.
The trading platform server 4 is a virtual place where the buyer 1 and the seller 2 trade. The seller 2 needs to sign a contract with the transaction platform, and opens a seller shop on the transaction platform server 4 by using a transaction platform mobile terminal application (seller hold) 6, for displaying the sold goods, and also for setting one or more payment instruments and corresponding payment accounts as the seller payment account information. After the buyer 1 selects a commodity in the online shop of the seller 2 on the trading platform, the trading platform mobile terminal application (buyer holds) 3 collects information and sends the information to the trading platform server 4. The transaction platform server 4 generates an order page containing seller collection account information (including one or more collection tools and collection accounts, wherein the collection tools and the collection accounts are presented in the form of collection two-dimensional codes) according to the contract information of the seller 2, sends the order page to the transaction platform mobile terminal application (buyer holds) 3, and displays the order page to the buyer 1. Buyer 1 selects the appropriate collection instrument in the order page for transaction with seller 2 through the transaction platform mobile side application (buyer holds) 3.
On the order page there is a "go to pay" button, which is clicked to initiate payment on the transaction platform mobile end application (buyer holding) 3. When the buyer 1 selects an order to pay, the mobile transaction terminal application (buyer holds) 3 first requests the buyer 1 to select one of the plurality of collection tools provided by the seller 2 (the selection is set by the seller 2 on the terminal of the mobile transaction terminal server 4 and transmitted to the mobile transaction terminal application (buyer holds) 3 along with the order).
When the transaction payment platform is a payment treasure, the transaction platform mobile terminal application (held by the buyer) 3 sends a collection two-dimensional code of the payment treasure to the transaction platform server 4. The transaction platform server 4 analyzes the seller payment account information registered in the payment treasure by the seller, and then sends the seller payment account information to the transaction platform mobile terminal application (buyer holds) 3, and the transaction platform mobile terminal application (buyer holds) 3 transmits the information to the payment platform 5 to initiate the payment process of the payment treasure. The payment platform 5 firstly verifies the validity of the seller account, then starts a payment program at the mobile terminal of the buyer, opens a payment page, and completes payment by inputting the amount by the buyer. After the transaction fund enters the seller account, the payment platform 5 generates a payment certificate at the mobile terminal;
when the transaction payment platform is WeChat, the transaction platform mobile terminal application (the buyer holds) 3 stores the collection two-dimensional code of the WeChat in the mobile terminal photo album, then starts the code scanning function in the mobile terminal application of the payment platform 5, and enables the payment platform 5 to obtain the seller account registered in the WeChat by the seller by scanning the two-dimensional code stored in the mobile terminal photo album, and initiates the payment process of the WeChat. The payment platform 5 firstly verifies the validity of the seller account, then starts a payment program at the mobile terminal of the buyer, opens a payment page, and completes payment by inputting the amount by the buyer. After the transaction fund enters the seller account, the payment platform 5 generates a payment certificate at the mobile terminal;
the transaction platform mobile terminal application (buyer holds) 3 obtains the payment voucher generated by the mobile terminal, and sends the payment voucher to the seller shop on the transaction platform server 4 along with the order. The seller can see the order and payment evidence sent by the buyer to the seller on the transaction platform mobile terminal application (held by the seller) 6 of the transaction platform, and the transaction is completed after the seller delivers the goods.
In the whole payment process, neither the transaction platform mobile terminal application (held by the buyer) 3 nor the transaction platform server 4 obtains the buyer payment information (account information and payment amount set on the payment platform by the buyer), and the transaction funds directly enter the seller account without passing through the transaction platform.
Referring to fig. 2, for the first implementation, the embodiment further provides a method for performing online payment by using an online transaction platform, including the steps of:
step S101, a buyer selects commodities from a seller shop on a trading platform and submits the commodities to a trading platform server, the trading platform server generates an order page corresponding to the commodities and sends the order page to a trading platform mobile terminal application held by the buyer, and the trading platform mobile terminal application displays the order page to the buyer;
step S102, the buyer selects one collection two-dimensional code provided in the order page, and the selected collection two-dimensional code is submitted to a transaction platform server by utilizing the transaction platform mobile terminal application;
step S103, the transaction platform server analyzes the received collection two-dimensional code to obtain the collection account information of the seller, and the collection account information of the seller is sent to a corresponding payment platform through the application of the transaction platform mobile terminal; the payment platform starts a payment mobile terminal application of a buyer to open a payment page, the buyer inputs money to finish payment, funds are immediately transferred to a collection account of a seller, and a payment certificate generated by the payment platform is obtained;
and step S104, the transaction platform mobile terminal application acquires the payment voucher, the payment voucher and the order page are transmitted to a seller shop on the transaction platform server, the seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application, and the seller completes the transaction after delivery.
Referring to fig. 3, for the second implementation, the embodiment further provides a method for performing online payment by using an online transaction platform, including the steps of:
step S201, a buyer selects commodities from a seller shop on a trading platform and submits the commodities to a trading platform server, the trading platform server generates an order page corresponding to the commodities and sends the order page to a trading platform mobile terminal application, and the trading platform mobile terminal application displays the order page to the buyer;
step S202, a buyer selects one collection two-dimensional code provided in an order page, and stores the selected collection two-dimensional code picture into a mobile terminal album by using a transaction platform mobile terminal application;
step S203, the transaction platform mobile terminal application starts a code scanning function of the payment platform, a collection two-dimensional code stored in a mobile terminal photo album is scanned, a payment page of the buyer payment mobile terminal application is opened, the buyer inputs money to complete payment, the transaction fund is immediately transferred to a collection account opened by the seller on the payment platform, and a payment certificate generated by the payment platform is obtained;
and S204, the transaction platform mobile terminal application of the transaction platform acquires the payment voucher, the payment voucher and the order page are transmitted to a seller shop on the transaction platform server, the seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application, and the seller completes the transaction after shipping.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (8)
1. An online transaction platform for transaction funds without being controlled by a platform is characterized by comprising a transaction platform server and transaction platform mobile terminal application, and being matched with a payment platform of a third party to realize online transaction service; the transaction platform server generates an order page containing seller collection account information; when a buyer pays on the order page, the transaction platform server sends the seller payment account information obtained by analysis to a transaction platform mobile terminal application of a transaction platform, the transaction platform mobile terminal application of the transaction platform sends the seller payment account information to the payment platform, a payment program is started on a mobile terminal of the buyer after verification, a payment page is opened, the buyer inputs money to complete payment, and a payment certificate is generated; the buyer submits the payment voucher and the order page to a seller shop on the transaction platform server, a seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application of the transaction platform, and the seller completes the transaction after shipping; the buyer payment information and the transaction funds are not passed through the transaction platform.
2. The online transaction platform of claim 1, wherein the payment platform is a paypal or a WeChat.
3. The online transaction platform of claim 1, wherein the seller collection account information includes one or more collection instruments and accounts; the collection tool and account correspond to the payment platform, provided by the seller to the buyer through the seller store; before payment, the buyer selects one collection tool and one collection account from the collection account information of the seller contained in the order page by using the transaction platform mobile terminal application of the transaction platform to pay.
4. The online transaction platform of claim 3, wherein the collection instrument and account is a collection two-dimensional code.
5. The online transaction platform of claim 4, wherein when the buyer makes a payment, the transaction platform server parses the payment receipt two-dimensional code to obtain the seller payment account information, and then sends the seller payment account information to a transaction platform mobile application of the transaction platform; the transaction platform mobile terminal application of the transaction platform sends the seller collection account information to the corresponding payment platform, a payment program is started at the buyer mobile terminal after verification, a payment page is opened, the buyer inputs the amount of money to complete payment, and the money is transferred to a collection account opened by the seller at the payment platform to generate the payment certificate; the buyer submits the payment voucher and the order page to the seller shop on the transaction platform server, the seller can see the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application of the transaction platform, and the seller completes the transaction after shipping.
6. The online transaction platform of claim 4, wherein when the buyer performs payment, after the transaction platform mobile terminal application of the transaction platform stores the two-dimensional payment code in a mobile terminal album, the corresponding payment platform code scanning function is started, a payment page of the payment application is opened in a manner of scanning the two-dimensional payment code, the amount is input to complete payment, and the payment voucher is generated after funds are transferred to a payment account opened by the seller at the payment platform; the buyer submits the payment voucher and the order page to the seller shop on the transaction platform server, the seller can see the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application of the transaction platform, and the seller completes the transaction after shipping.
7. A method for making an online payment using the online transaction platform of claim 5, comprising the steps of:
step S101, the buyer selects a commodity from the seller shop on the trading platform and submits the commodity to the trading platform server, the trading platform server generates the order page corresponding to the commodity and sends the order page to the trading platform mobile terminal application held by the buyer, and the trading platform mobile terminal application displays the order page to the buyer;
step S102, the buyer selects one collection two-dimensional code provided in the order page, and the selected collection two-dimensional code is submitted to the transaction platform server by utilizing the transaction platform mobile terminal application;
step S103, the transaction platform server analyzes the received collection two-dimensional code to obtain the collection account information of the seller, and the collection account information of the seller is sent to the corresponding payment platform through the application of the transaction platform mobile terminal; the payment platform starts a payment mobile terminal application of the buyer to open a payment page, the buyer inputs the amount to finish payment, the funds are immediately transferred to a collection account of the seller, and the payment voucher generated by the payment platform is obtained;
step S104, the transaction platform mobile terminal application acquires the payment voucher, the payment voucher and the order page are transmitted to the seller shop on the transaction platform server, a seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application, and the seller completes the transaction after delivery.
8. A method for making an online payment using the online transaction platform of claim 6, comprising the steps of:
step S201, the buyer selects a commodity from the seller shop on the trading platform and submits the commodity to the trading platform server, the trading platform server generates the order page corresponding to the commodity and sends the order page to the trading platform mobile terminal application, and the trading platform mobile terminal application displays the order page to the buyer;
step S202, the buyer selects one collection two-dimensional code provided in the order page, and stores the selected collection two-dimensional code picture into a mobile terminal album by using the transaction platform mobile terminal application;
step S203, the transaction platform mobile terminal application starts a code scanning function of the payment platform, scans the collection two-dimensional code stored in the mobile terminal album, opens a payment page of the payment mobile terminal application of the buyer, the buyer inputs money to complete payment, the transaction fund is immediately transferred to a collection account opened by the seller on the payment platform, and the payment voucher generated by the payment platform is obtained;
step S204, the transaction platform mobile terminal application of the transaction platform obtains the payment voucher, and transmits the payment voucher and the order page to the seller shop on the transaction platform server, and the seller obtains the order page and the payment voucher sent by the buyer on the transaction platform mobile terminal application, and the seller completes the transaction after shipping.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2020106956141 | 2020-07-20 | ||
| CN202010695614 | 2020-07-20 |
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| CN112163847A true CN112163847A (en) | 2021-01-01 |
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Cited By (1)
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| CN113627943A (en) * | 2021-07-19 | 2021-11-09 | 苏州市企淘网络科技有限公司 | Payment system of industrial product transaction platform |
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