CN1285562A - Electronic Business telecommunication network universal payment system and method thereof - Google Patents
Electronic Business telecommunication network universal payment system and method thereof Download PDFInfo
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- CN1285562A CN1285562A CN 00129620 CN00129620A CN1285562A CN 1285562 A CN1285562 A CN 1285562A CN 00129620 CN00129620 CN 00129620 CN 00129620 A CN00129620 A CN 00129620A CN 1285562 A CN1285562 A CN 1285562A
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Abstract
The present invention relates to an electronic business telecommunication network networking universal payment system and its method. Said system is formed from business network station system and telecommunication company, and is characterized by that customer can select product or service in electronic business network station, uses telecommunication company as payment service factor, and after the identity of said customer is acknowledged by telecommunication company, the sum of money can be transferred to the supplier related to product or service from customer accout in telecommunication company. By means of ordering process, identity acknowledgement process, payment process and commodity process said invention ensure safety of perfonal information, at the same time fully utilizes existent network system and simplifies customer payment and transfer process.
Description
The present invention relates to a kind of electronic Business telecommunication network online general use payment system and method, on particularly a kind of basis that is based upon Internet protocol (INTERNET PROTOCOL), the electronic Business telecommunication network online general use payment system and the method that design for ecommerce.
Online payment is the subject matter of carrying out online ecommerce always.How to carry out the account dealing effectively is a hang-up of online e-commerce venture and banking institution always.The online payment side that has moved at present pays, and for example credit card funded payment etc. all is based on user and bank or bank network and contacts directly.The user needs the data system that user's personal information and credit card content are delivered to bank by public network to be verified and settle accounts.Obviously, this modes of payments based on disclosed internet system exists great disguised safety problem.And many existing safety guarantee technology all are based on traditional payment program, the information of transmitting is encrypted passively, and being perfectly safe of guarantee information system fundamentally.Thereby make manyly, especially the consumer of developed country is based on security reason, not very willing sales slip or the defrayment of using on the net.And in developing country, credit card is at present also by widespread usage, just also exists how to make full use of the existing network that has built up and carry out the e-commerce transaction problem.
In order to solve the problem that existing network payment system and method exist,, electronic Business telecommunication network online general use payment system of the present invention and method are provided at this at the characteristics of the telecommunications infrastructure of having set up.
Above-mentioned defective and present situation in view of present network payment system and method existence, the object of the present invention is to provide a kind of brand-new online payment system, it is characterized in that, this system is made of jointly electronic business web station system and MCI, the client enters e-commerce website and selects product or service, and selects MCI as its payment service commission merchant; MCI to client identity confirm legal after, fund transfers into relevant product or service supplier in the account of this client MCI.
Another object of the present invention is, a kind of method of payment based on above-mentioned payment system is provided, and specifically comprises (1) order flow process, (2) identity validation flow process, (3) payment flow and (4) commodity flow process.Thereby guaranteed the security of personal information.Simultaneously also make full use of the existing network system, simplified client's transfer of payment formality.
Principle of the present invention is, people utilize computer now, and mobile phone, personal electric hand account (PDA) wait other instrument to enter telecommunication network and scan on the Internet (INTERNET).Major part is the registered user of MCI in the middle of the net user, perhaps can directly enter telecommunication network.And all there are (comprising mobile phone and fixed network) they user's particulars in MCI, and these users will provide financial guarantee to a certain degree (for example registering credit card information in advance, automated banking account transfer, advance money on security or the like) for MCI.Therefore, in the place of network channel and these two keys of capital settlement, telecommunication network infrastructure provides a reliable platform for the online payment system that the present invention sets up.
The present invention's characteristics structurally are that MCI's (comprising mobile phone and fixed network) and the enterprise and the mechanism that manage online ecommerce are bundled, make the client of online e-commerce venture and mechanism, the relation of utilizing themselves and MCI to set up realizes online payment.Relation on direct finance and the identity validation does not take place with e-commerce venture and mechanism in the client.
When electronic Business telecommunication network online general use payment system of the present invention can make enterprise and mechanism provide products ﹠ services on the net, the client can authorize the payment service commission merchant of the MCI of appointment as this client immediately on the net, and payment is given the supplier (online e-commerce venture or mechanism) of product or service.Relevant fund will according to agreement from this client in the account of his MCI, transfer into relevant product or service supplier.Have two softwares partly in the online payment system of the present invention, one of them is product or service supplier (online e-commerce venture or mechanism) design, and another is to design for payment service commission merchant (MCI).These two softwares communicate in real time, therefore can carry out the instruction of relevant transaction simultaneously.
Thus, client's personal information and transfer of payment are linked up by its network and e-commerce system by MCI, and client needn't directly transmit oneself personal information and transfer of payment again to e-commerce system, thereby have guaranteed the security of personal information.Simultaneously also make full use of the existing network system, simplified client's transfer of payment formality.
Compare with existing online payment method, electronic Business telecommunication network online general use payment system of the present invention is on method, and on the structure, and all there is basic difference aspect such as core technology.The advantage of this method is that client need not to reveal their personal information and credit card content on the net, just can carry out shopping online or various payment.Because the sensitive information possibility of exposing on the net reduces to minimum, client is ready to carry out various shopping and payment more on the net.
The objective of the invention is to reach as follows.
Online payment system of the present invention mainly is made of jointly two subsystems, by following network structure described electronic business web station system and MCI is linked to each other, and details are as follows.
I. electronic business web station system, wherein,
A. the client enters this website;
B. customer selecting product or service;
C. customer selecting method of payment (allowing the client still to select other conventional payment mode for use);
D. the client from tabulation, select them MCI as its payment service commission merchant;
E. the client to import and can visit this MCI behind their personal identification number (PIN) be online transaction and ad hoc database;
F. the client imports the required amount of money of ordered product or service;
G. web station system is exported above data and is confirmed to relevant MCI.
II. the system of MCI, wherein,
H. system test client identity (name, telephone number) and credit line;
If i. client identity authentication and credit line meet the database regulation, system passes to supplier web site to the information of confirming;
J. system can send a mobile phone of confirming the information of this transaction to the client simultaneously.As this client is the fixed network client, and file then passes to the database of fixed network, so that be recorded on client's the monthly statement;
If k. client identity authentication or credit line do not meet the database regulation, the information that system confirms refusal passes to supplier web site.
L. product or service provider website are received affirmation (or the refusal is confirmed) information that client's system of MCI transmits;
M. supplier confirms (or refusal is confirmed) client's purchase application, and sends and confirm numbering, so that the client inquires about in the future;
N. confirm legal after, about fund according to the agreement between MCI and product or the service supplier, in the account of this client MCI, transfer into relevant product or service supplier.
O. transaction is finished.
In whole process of exchange, the client keeps net state in supplier's website, finishes until transaction.
The compatible most of operating system of software systems of the present invention, UNIX for example, WINDOWS NT, LINUX etc.System's component part comprises the SQL-SER database, key management database, MCI/product or service supplier's communication system.The core technology of these cover software systems is IP (INTERNETPROTOCOL) infill layers based on the ABC block cipher, to guarantee system data transmitting speed and safety.Make the IP infill layer with the ABC block cipher, its performance is higher than three times of DES commonly used (DATA ENCRYPTI0N STANDARD) and encrypts.
Based on this advantage, online payment software systems of the present invention can promote developing rapidly of ecommerce, because the enterprise of managing E-business and mechanism can be more effectively provide better service for their client.Since the new online payment system of this cover be one safer, You Shan environment carries out more, so attract more client, facilitates more online transaction, the running of ecommerce and commercial environment will improve greatly.
Based on the foundation of said system, method of payment of the present invention is specifically undertaken by following process.
(1) order flow process:
Client is by dialling up on the telephone and e-commerce website communication (LAN NET online);
(2) identity validation flow process:
Personal information is placed on telecommunication bureau, appraises and decides its identity and relevant data by telecommunication bureau according to the telephone number of online.Client is by dialling up on the telephone or the LAN online, and personal information utilizes PKI and encrypted private key, sets up by VPN (virtual private network) (VPN) system and telecommunication bureau and gets in touch;
(3) payment flow:
Telecommunication bureau passes through bank or directly pays to e-commerce website;
(4) commodity flow process:
E-commerce website by logistics distribution system to client's commodity of providing and delivering;
(5) the automatic application of PKI and private key:
Telecommunication bureau or e-commerce website are provided private key to each client, utilize client's application materials, provide a private key system at random.If only adopt public key cryptosyst, safe coefficient is not enough.
Wherein, described VPN (virtual private network) (VPN) system is one of core technology of shopping at network, makes client's shopping information and process have non repudiation.Utilize this technology and digital signature technology can accomplish this point.
Below in conjunction with accompanying drawing a kind of embodiments of the invention are described.
Fig. 1 is electronic business web station system structure and functional schematic;
Fig. 2 is MCI's network architecture and functional schematic;
Fig. 3 is that client orders with e-commerce website commodity or service procedure figure are provided;
Fig. 4 is client's identity validation process flow diagram;
Fig. 5 is that telecommunication bureau is to e-commerce website payment flow figure;
Fig. 6 is the automatic application process figure of PKI and private key.
According to Fig. 1, in the electronic business web station system I, the client at first enters this website 1; Afterwards, customer selecting product or serve 2; Customer selecting method of payment (, carrying out next procedure) 3 if select online payment but not credit card funded payment; The client selects their MCI as its payment service commission merchant 4 from tabulation; The client imports their personal identification number (PIN) 5; Afterwards, can visit this MCI is online transaction and ad hoc database 6; The client imports the required amount of money 7 of ordered product or service; Web station system is exported above data and is confirmed 8 to relevant MCI.
According to Fig. 2, MCI's network system II comprises, system test client identity (name, telephone number) and credit line 9; If client identity authentication and credit line meet the database regulation, system passes to supplier web site 1 to the information of confirming; System can send an information of confirming this transaction simultaneously to client's mobile phone or fixed network client's database 10, so that be recorded on client's the monthly statement 11; If client identity authentication or credit line do not meet the database regulation, the information that system confirms refusal passes to supplier web site 1.Product or service provider website 1 are received affirmation (or the refusal is confirmed) information that client's system of MCI transmits; Supplier confirms (or refusal is confirmed) client's purchase application, sends and confirms or refusal information 12, so that the client inquires about 13 in the future; Confirm legal after, about fund will in the account of his MCI, transfer into relevant product or service supplier 14 from this client according to the agreement between MCI and product or the service supplier, transaction is finished.
In whole process of exchange, the client keeps net state in supplier's website, finishes until transaction.
Based on said system, method of payment of the present invention is specifically undertaken by following process.
(1) order flow process (referring to Fig. 3), client is by dialling up on the telephone and e-commerce website communication (LAN NET online);
(2) identity validation flow process (referring to Fig. 4), personal information is placed on telecommunication bureau, appraises and decides its identity and relevant data by telecommunication bureau according to the telephone number of online.Client is by dialling up on the telephone or the LAN online, and personal information utilizes PKI and encrypted private key, sets up by VPN (virtual private network) (VPN) system and telecommunication bureau and gets in touch;
(3) payment flow (referring to Fig. 5), telecommunication bureau passes through bank or directly pays to e-commerce website;
(4) commodity flow process (referring to Fig. 3), e-commerce website by logistics distribution system to client's commodity of providing and delivering;
(5) the automatic application (referring to Fig. 6) of PKI and private key, telecommunication bureau or e-commerce website are provided private key to each client, utilize client's application materials, and client's data is provided a private key system at random.If only adopt public key cryptosyst, safe coefficient is not enough.
Wherein, described VPN (virtual private network) (VPN) system is one of core technology of shopping at network, makes client's shopping information and process have non repudiation.Utilize this technology and digital signature technology can accomplish this point.
Above embodiment as just a kind of for example, other system structure that carries out according to the principle of the invention and function mode and without prejudice to essence of the present invention.
Claims (9)
1. an electronic Business telecommunication network online general use payment system is characterized in that, is made up of jointly electronic business web station system and MCI, by following network structure described electronic business web station system and MCI is connected:
(I) electronic business web station system, wherein,
(a) client enters this website;
(b) customer selecting product or service;
(c) customer selecting method of payment;
(d) client from tabulation, select them MCI as its payment service commission merchant;
(e) client to import and can visit this MCI behind their personal identification number (PIN) be online transaction and ad hoc database;
(f) client imports the required amount of money of ordered product or service;
(g) web station system is exported above data and is confirmed to relevant MCI;
System of (II) MCI, wherein,
(h) system test client identity and credit line;
(i) if client identity authentication and credit line meet the database regulation, system passes to supplier web site to the information of confirming;
(k) if client identity authentication or credit line do not meet the database regulation, the information that system confirms refusal passes to supplier web site;
(1) product or service provider website are received affirmation or the refusal confirmation that client's system of MCI transmits;
(n) confirm legal after, about fund according to the agreement between MCI and product or the service supplier, in the account of this client MCI, transfer into relevant product or service supplier;
(o) transaction is finished.
2. according to the described network payment system of claim 1, it is characterized in that, comprise a step (j) between step (i) and the step (k), the system that is specially can send a mobile phone of confirming the information of this transaction to the client simultaneously, as this client is the fixed network client, file then passes to the database of fixed network, on the monthly statement that is recorded in the client.
3. according to claim 1 or 2 described network payment systems, it is characterized in that, comprise a step (m) between step (l) and the step (n), be specially the purchase application that supplier confirms the client, and send and be used for the affirmation numbering that the client inquires about in the future.
4. a method of network payment that uses the described electronic Business telecommunication network online general use of above-mentioned arbitrary claim payment system is characterized in that, is undertaken by following process:
(1) order flow process, client links up with e-commerce website by dialing or LAN NET online;
(2) identity validation flow process, personal information is placed on telecommunication bureau, appraises and decides its identity and relevant data by telecommunication bureau according to the telephone number of online; Client sets up with telecommunication bureau and gets in touch by dialling up on the telephone or the LAN online;
(3) payment flow, telecommunication bureau pays to e-commerce website;
(4) commodity flow process, e-commerce website by logistics distribution system to client's commodity of providing and delivering.
5. according to the described method of network payment of claim 4, it is characterized in that telecommunication bureau directly pays to e-commerce website in the payment flow.
6. according to the described method of network payment of claim 4, it is characterized in that telecommunication bureau carries out payment by the transfer of accounts by bank to e-commerce website in the payment flow.
7. according to claim 4,5 or 6 described method of network payment, it is characterized in that client's personal information utilizes PKI and encrypted private key simultaneously in the identity validation flow process.
8. according to claim 4,5 or 6 described method of network payment, it is characterized in that personal information is then set up by VPN (virtual private network) (VPN) system and telecommunication bureau and got in touch.
9. according to the described method of network payment of claim 4, it is characterized in that telecommunication bureau or e-commerce website utilize client's application materials, provide a private key system at random to each client.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00129620 CN1285562A (en) | 2000-09-30 | 2000-09-30 | Electronic Business telecommunication network universal payment system and method thereof |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00129620 CN1285562A (en) | 2000-09-30 | 2000-09-30 | Electronic Business telecommunication network universal payment system and method thereof |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1306429C (en) * | 2003-03-20 | 2007-03-21 | 株式会社日立制作所 | Paying device and paying method, amount distributor and method |
| CN100356403C (en) * | 2003-04-08 | 2007-12-19 | 宏碁股份有限公司 | Trade system of outer shell of customer substitute colour-painted notebook computer and its method |
| CN100362508C (en) * | 2002-10-01 | 2008-01-16 | 株式会社Ntt都科摩 | Vertification and payment method, device and operation method of its system and its component |
| CN102567867A (en) * | 2010-12-28 | 2012-07-11 | 吴俊宽 | Application system combining online shopping with logistics |
| WO2014146227A1 (en) * | 2013-03-18 | 2014-09-25 | 深圳市银信网银科技有限公司 | Paying method and system by using network |
| CN102831525B (en) * | 2011-06-16 | 2017-08-11 | 上海盛付通电子商务有限公司 | A kind of transaction button embedding grammar, terminal and system |
-
2000
- 2000-09-30 CN CN 00129620 patent/CN1285562A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100362508C (en) * | 2002-10-01 | 2008-01-16 | 株式会社Ntt都科摩 | Vertification and payment method, device and operation method of its system and its component |
| CN1306429C (en) * | 2003-03-20 | 2007-03-21 | 株式会社日立制作所 | Paying device and paying method, amount distributor and method |
| CN100356403C (en) * | 2003-04-08 | 2007-12-19 | 宏碁股份有限公司 | Trade system of outer shell of customer substitute colour-painted notebook computer and its method |
| CN102567867A (en) * | 2010-12-28 | 2012-07-11 | 吴俊宽 | Application system combining online shopping with logistics |
| CN102831525B (en) * | 2011-06-16 | 2017-08-11 | 上海盛付通电子商务有限公司 | A kind of transaction button embedding grammar, terminal and system |
| WO2014146227A1 (en) * | 2013-03-18 | 2014-09-25 | 深圳市银信网银科技有限公司 | Paying method and system by using network |
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