CN201974858U - Bill number payment platform and payment system - Google Patents
Bill number payment platform and payment system Download PDFInfo
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- CN201974858U CN201974858U CN2010205843434U CN201020584343U CN201974858U CN 201974858 U CN201974858 U CN 201974858U CN 2010205843434 U CN2010205843434 U CN 2010205843434U CN 201020584343 U CN201020584343 U CN 201020584343U CN 201974858 U CN201974858 U CN 201974858U
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Abstract
The utility model discloses a bill number payment platform and a payment system. The bill number payment platform is provided with a payee interface unit, a bill number distributing and processing unit and a payment interface unit, so that one payment trade can be divided into the following two phases: a trading bill number generating phase (which is completed together by the bill number payment platform and the payee) and a payment implementing phase (which is sponsored by a payer who has a trading bill number and is completed by a payment service system). Network channels used by both users 0the payee and the payer- in the two phases are independent mutually and the payer can complete paying only by inputting the trading bill number, a payment amount and a payment instruction. Therefore, the payment system not only obtain the safety on the financial grade of a banking system in the trading paying process, but also is convenient and easy to pay. Moreover, the payee can complete collection without being connected with the payment platform or the payment system and can also conveniently inquire and record after the trade is completed.
Description
Technical field:
The utility model relates to network communications technology, particularly based on network Invoice Number payment platform and payment system.
Background technology:
On public network, the process that transaction payment information is committed to trade center from client by information channel exists by eavesdropping, counterfeit and distort equivalent risk.These risks can be divided into two classes according to message transmitting procedure: the risk of client self and the risk on the transmission channel.Because the uncertainty of public network safety, the client that is connected on the public network may be garrisoned by trojan horse, the encryption of information channel may be decrypted etc., particularly all sensitive informations transmit in same channel, when outside threats such as hacker had been broken through the defence of this payment channel, user's safety of payment lost guarantee immediately.Therefore only rely on conventional single channel encryption and identity recognizing technology can't guarantee the safety of concluding the business fully.
Private network can provide very high safety guarantee to electronic transaction, but the bandwidth of private network private network very expensive, that set up all clients of connection almost is impossible.Available safe and reliable payment network terminal generally all is the special-purpose terminal that is directly connected to banking system at present.But private network is because bandwidth expensive can't be born the huge based on network transaction business of quantity of information.
Except potential safety hazard, based on network transaction payment itself is exactly a very loaded down with trivial details thing, the common transaction based on public network has bank paying network (as POS terminal network, intelligent terminal network and atm network etc.) now owing to can't directly utilizing, and therefore needs to make up the payment system based on computer network.But because the needs of secure context, this payment system need be introduced multiple security control means, as the loaded down with trivial details requirement of the identification code at random that generates automatically of certain feature code, the amount of money, website of inputing certain feature code of card number, password, card or individual and other or the like or the like, succinct payment link becomes very loaded down with trivial details thereby make originally, as seen is badly in need of a kind of simple, safe and reliable payment system and method based on the transaction of public network.
But can't directly utilize existing bank paying network easily and the problem of private network bandwidth expensive based on the transaction payment process security of public network is low in order to solve prior art, it is 200710178814.4 that the applicant has proposed application number, name is called the application for a patent for invention of " condition code paying method; payment platform and payment system ", use the disclosed condition code payment platform of this application for a patent for invention, payment transaction was divided for two stages: (initiate and finish) implementation phase of payment condition code generation phase (finishing) and payment by the payment services system by the payer who holds condition code by the condition code payment platform, user (payee and payer) is separate at these two employed network channels of stage, simultaneously, the payer only need know that condition code just can pay the bill, can utilize various payment networks easily when therefore the payer pays the bill the implementation phase of payment, payment terminal network as bank or payment tissue, thereby obtain the safety of payment of finance level, because the user is not in payment on the public network but pays the bill on the special-purpose terminal in bank, therefore needn't import complicated authentication content, only need condition code of input and payment instruction can finish payment, so system's transaction payment process has not only obtained the safety of banking system finance level, and payment is easily convenient.Because this condition code payment platform is the condition code by inside to be generated and processing unit has one of gathering information generation and gathering information the condition code of mapping relations, and according to payer's receiving equipment ID, send condition code by the condition code payment platform to the condition code receiving equipment, so the condition code payment platform all needs generating feature sign indicating number at random when each transaction, the Invoice Number when this condition code is transaction.Because condition code normally selects for use complicated transforming function transformation function to generate at random, so condition code does not have rule each other when generating, also need set the effective period of this condition code, and in effective period, might repeat to generate, thereby influence transaction, for same payee, the payee must be docked just with the condition code payment system and can collect money, and some payee smaller trade company that is scale, there is not electronic system, inconvenience is docked with the condition code payment system, therefore just can't collect money, and condition code is generated at random by the condition code payment platform, so do not form certain rule, the payee can only passively accept, and especially after the payee receives many transactions amount of money, is not very convenient when carrying out subsequently Transaction Inquiries and record.
The utility model content:
The utility model solves various defectives and the deficiency that prior art exists, provide a kind of and can effectively utilize the high speed of public network, cheap function, can utilize the proprietary terminal network safety of bank, New-type instant, the security of means of payment easily high again expediently, the payee need not with payment platform that butt joint just can be finished gathering and transaction is finished after the payee inquire about and write down also all public network Invoice Number payment platform and payment system very easily.
The technical solution of the utility model is as follows:
The Invoice Number payment platform is characterized in that, comprises payee's interface unit, Invoice Number distribution and the processing unit and the payment interface unit that link to each other successively by the information transmission order; Described Invoice Number distribution and processing unit are the fixedly identification code of payee's dispense needles to this payee according to payee's application; Described payee's interface unit is provided with the communication interface with information transfer capability; Described payee's interface unit passes to the payee with the fixedly identification code that Invoice Number distributes and processing unit distributes, and the shroff account number of reception payee submission, again this shroff account number is passed to that Invoice Number distributes and processing unit, described Invoice Number distribute and processing unit fixedly identification code and payee's shroff account number form corresponding relation and preservation; Described payment interface unit and described Invoice Number payment platform outer payment services provider link to each other, and the payee generates the transaction Invoice Number Invoice Number of also will concluding the business according to fixing identification code expansion and sends to the transaction Invoice Number receiving equipment of the payer outside the described Invoice Number payment platform; Described payment interface unit is received in payment result, Payment Amount and the corresponding transaction Invoice Number that the payer is provided by the payment services provider after payment terminal is submitted payment instruction to, and submit to Invoice Number and distribute and processing unit, determine that according to the transaction Invoice Number contained fixedly identification code is to obtain shroff account number and this shroff account number is sent to the payment services provider finally to finish payment through the payment interface unit by Invoice Number distribution and processing unit again.
Also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and links to each other with processing unit, described Invoice Number distributes and processing unit passes through payer's interface unit advice and pay people with the payment result that the payment interface unit that receives provides, and notifies the payee by payee's interface unit.
Described payment services provider is bank or payment tissue, and described payment terminal is the terminal of the special-purpose terminal or the payment tissue of bank, and described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-E-mail address.
Described communication interface is SMS interface or voice call interface or Interface for digital communication.
Described transaction Invoice Number is the different digital value at the additional location number in the rear end of fixing identification code.
Described Invoice Number distributes and processing unit comprises fixedly identity assignments unit, fixedly identification code processing unit and transaction Invoice Number processing unit, and described fixedly identity assignments unit be that payee's dispense needles is also passed through the transmission of payee's interface unit to this payee's fixedly identification code and is somebody's turn to do fixedly identification code according to payee's application; Described fixedly identification code processing unit receives the shroff account number of payee's submission of payee's interface unit transmission, and the fixedly identification code of this shroff account number and fixedly identity assignments unit distribution is formed corresponding relation and preservation; Described transaction Invoice Number processing unit receives payment result, Payment Amount and the corresponding transaction Invoice Number of receiving the payment interface unit, and determine that according to the transaction Invoice Number the fixedly identification code that contained fixedly identification code is stored again and the corresponding relation of shroff account number obtain shroff account number, send to the payment services provider finally to finish payment with this shroff account number again through the payment interface unit from fixing identification code processing unit.
The Invoice Number payment system, comprise Invoice Number payment platform and the payment services system that can carry out information communication with the Invoice Number payment platform, described payment services system comprises payment terminal and the payment services provider who links to each other with payment terminal, and described Invoice Number payment system also comprises the payer's that can receive the information that the payee sends transaction Invoice Number receiving equipment; Described Invoice Number payment platform comprises payee's interface unit, Invoice Number distribution and processing unit and the payment interface unit that links to each other successively by the information transmission order; Described Invoice Number distribution and processing unit are the fixedly identification code of payee's dispense needles to this payee according to payee's application; Described payee's interface unit is provided with the communication interface with information transfer capability; Described payee's interface unit passes to the payee with the fixedly identification code that Invoice Number distributes and processing unit distributes, and the shroff account number of reception payee submission, again this shroff account number is passed to that Invoice Number distributes and processing unit, described Invoice Number distribute and processing unit fixedly identification code and payee's shroff account number form corresponding relation and preservation; Described payment interface unit links to each other with payment services provider in the described payment services system, expansion generates the transaction Invoice Number receiving equipment that transaction Invoice Number and the Invoice Number of will conclude the business send to the payer to the payee according to fixing identification code, transaction Invoice Number, Payment Amount and the payment instruction of the payment terminal reception payer submission of described payment services system; Described payment interface unit is received in payment result, Payment Amount and the corresponding transaction Invoice Number that the payer is provided by the payment services provider after payment terminal is submitted payment instruction to, and submit to Invoice Number and distribute and processing unit, determine that according to the transaction Invoice Number contained fixedly identification code is to obtain shroff account number and this shroff account number is sent to the payment services provider through the payment interface unit by Invoice Number distribution and processing unit again; Described payment services provider obtains shroff account number according to the transaction Invoice Number from the Invoice Number payment platform, and number of the account in the middle of the Payment Amount of appointment being paid from the payment number of the account according to payment instruction then is given to shroff account number by clearance then; Or the payment services provider obtains shroff account number according to the transaction Invoice Number from the Invoice Number payment platform, direct then Payment Amount from the payment number of the account to shroff account number that pay appointment from.
Also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and links to each other with processing unit, described Invoice Number distributes and processing unit passes through payer's interface unit advice and pay people with the payment result that the payment interface unit that receives provides, and notifies the payee by payee's interface unit.
Described payment services system is the system of banking system or payment tissue, and described payment terminal is the terminal of the special-purpose terminal or the payment tissue of bank, and described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-E-mail address.
Also receive the Payment Amount that the payee sends on the described transaction Invoice Number receiving equipment.
Described transaction Invoice Number is the different digital value at the additional location number in the rear end of fixing identification code.
Described Invoice Number distributes and processing unit comprises the fixedly identity assignments unit that is connected successively, fixedly identification code processing unit and transaction Invoice Number processing unit, and described fixedly identity assignments unit be that payee's dispense needles is also passed through the transmission of payee's interface unit to this payee's fixedly identification code and is somebody's turn to do fixedly identification code according to payee's application; Described fixedly identification code processing unit receives the shroff account number of payee's submission of payee's interface unit transmission, and the fixedly identification code of this shroff account number and fixedly identity assignments unit distribution is formed corresponding relation and preservation; Described transaction Invoice Number processing unit receives payment result, Payment Amount and the corresponding transaction Invoice Number of receiving the payment interface unit, and infer according to the transaction Invoice Number and determine that the fixedly identification code that contained fixedly identification code is stored again and the corresponding relation of shroff account number obtain shroff account number, send to the payment services provider finally to finish payment with this shroff account number again through the payment interface unit from fixing identification code processing unit.
Technique effect of the present utility model is as follows:
The utility model Invoice Number payment platform is owing to be provided with payee's interface unit, Invoice Number distribution and processing unit and payment interface unit, can a payment transaction be divided into two stages by the Invoice Number payment system: (initiate and finish) implementation phase of transaction Invoice Number generation phase (finishing jointly) and payment by the payment services system by the payer who holds the Invoice Number of concluding the business by Invoice Number payment platform and payee, two parties (payee and payer) is separate at these two employed network channels of stage, has solved the security hidden trouble of prior art based on the transaction payment process existence of public network.In transaction Invoice Number generation phase, be Invoice Number distribute and processing unit according to payee's application directly fixedly identity assignments to the payee, generate the transaction Invoice Number by payee's expansion on the basis of fixing identification code, this Invoice Number payment platform is just distributed to the fixedly identification code of payee and this payee binding, the payee can according to this fixedly the rule set according to oneself of identification code generate the transaction Invoice Number, this transaction Invoice Number is the Invoice Number when concluding the business, so the Invoice Number that the payer obtains when concluding the business is a transaction Invoice Number that the payee sends and that expand according to fixing identification code for the payee, the transaction Invoice Number is well-determined, and has common characteristic for identical payee, after the payee receives many transactions amount of money, no matter be inquiry and the record that payment platform or gathering can be concluded the business per capita easily, the transaction Invoice Number is for the payee, be initiatively to generate, but not passive acceptance, save payment platform of the prior art and selected complicated transforming function transformation function generating feature sign indicating number for use, and set the complex work of the effective period of this condition code, so avoided when transaction, and carry out Transaction Inquiries and not convenient when writing down owing to Invoice Number may repeat to generate the transaction fault of bringing.And, the payee only needs obtaining fixedly identification code and shroff account number is issued the Invoice Number payment platform from the Invoice Number payment platform to the application of Invoice Number payment platform the most at first, and in the payment transaction afterwards, the payee can directly expand the transaction Invoice Number receiving equipment that the transaction Invoice Number that generates sends to the payee with oneself, the payment result that the payee is provided by the payment services provider after payment terminal is submitted payment instruction to, Payment Amount and corresponding transaction Invoice Number, and submit to the Invoice Number payment platform, the Invoice Number payment platform is inferred fixedly identification code according to the transaction Invoice Number, and obtain shroff account number according to the fixing corresponding relation of identification code and shroff account number and send to the payment services provider again finally to finish payment, so need not just to dock with payment platform, the payee can finish gathering, this is smaller for scale, there is not electronic system, the trade company (payee) that fixing customer group is arranged, very convenient, solved the payee and must dock the problem that just can collect money and make troubles with the Invoice Number payment system.Simultaneously, the payer only need know the transaction Invoice Number just can pay the bill, can utilize various payment networks easily when therefore the payer pays the bill the implementation phase of payment, payment terminal network as bank or payment tissue, thereby obtain the safety of payment of finance level, because the user is not in payment on the public network but pays the bill on the special-purpose terminal in bank, therefore needn't import complicated authentication content, only need a transaction of input Invoice Number, Payment Amount and payment instruction can be finished payment, avoided prior art can't utilize the technical matters of the special-purpose terminal of banking system easily, so the transaction payment process of the utility model Invoice Number payment platform has not only obtained the safety of banking system finance level, for the payee, need not just to dock and can finish gathering with payment platform, for the payer, pay very convenient easily.
Description of drawings:
Fig. 1 is the structured flowchart of the utility model Invoice Number payment system.
Fig. 2 is the structured flowchart of preferred Invoice Number payment system.
Fig. 3 is the workflow diagram of the utility model Invoice Number payment system.
Embodiment:
Among Fig. 1, the Invoice Number payment system comprises that the Invoice Number payment platform reaches the payment services system that can carry out information communication with the Invoice Number payment platform, also comprises the payer's of the information that can receive payee's transmission transaction Invoice Number receiving equipment.Wherein, payment services system comprises payment terminal and the payment services provider who links to each other with payment terminal; The Invoice Number payment platform comprises payee's interface unit, Invoice Number distribution and processing unit and the payment interface unit that links to each other successively by the information transmission order, and Invoice Number distribution and processing unit are the fixedly identification code of payee's dispense needles to this payee according to payee's application; Payee's interface unit is provided with the communication interface with information transfer capability; This communication interface is for can select SMS interface or voice call interface or data communication interface or other communication interfaces, promptly can receive the gathering information that the payee sends by note, phone, Email or other computer network communication means (as QQ, MSN), certainly the Invoice Number payment platform can also be provided with payee's authentication unit, be used to verify payee's legitimacy, the Invoice Number payment platform just can verify whether corresponding information is the information of having opened payee's submission of putting on record like this.Payee's interface unit passes to the payee with the fixedly identification code that Invoice Number distributes and processing unit distributes, and the shroff account number of reception payee submission, again this shroff account number is passed to that Invoice Number distributes and processing unit, Invoice Number distribute and processing unit fixedly identification code and payee's shroff account number form corresponding relation and preservation.The fixedly identification code expansion that the payee will receive generates the transaction Invoice Number, and the Invoice Number of will concluding the business sends to payer's transaction Invoice Number receiving equipment, certainly Payment Amount is issued the payer in the lump according to payer's setting and demand, payer's transaction Invoice Number receiving equipment can be mobile phone, computer terminal, phone, electronics or non-E-mail address etc., and the payer submits transaction Invoice Number, Payment Amount and payment instruction on the payment terminal of payment services system.The payment interface unit links to each other with payment services provider in the described payment services system, the payment interface unit is received in payment result, Payment Amount and the corresponding transaction Invoice Number that the payer is provided by the payment services provider after payment terminal is submitted payment instruction to, and submits to Invoice Number and distribute and processing unit.Invoice Number distributes can also be connected payer's interface unit with processing unit, the payment result that Invoice Number distributes and processing unit provides the payment interface unit that receives is notified the payee by payer's interface unit advice and pay people (this payment result can be sent to payer's transaction Invoice Number receiving equipment or other receiving equipment of payer) by payee's interface unit; When being mobile phone as payer's receiving equipment, the payer can also submit effective phone number in payment terminal, so-called effectively phone number is the phone number by the checking of Invoice Number payment platform, can receive the payment result information that the Invoice Number payment platform sends, promptly in process of exchange, the payer only needs input successively: phone number, transaction Invoice Number and Payment Amount, and the payment that inputs password of swiping the card then, the user can pay the bill to the trade company (payee) of appointment.Determine contained fixedly identification code by Invoice Number distribution and processing unit according to the transaction Invoice Number, and obtain to such an extent that shroff account number also sends to the payment services provider finally to finish payment with this shroff account number through the payment interface unit according to the fixedly identification code of storage and the corresponding relation of shroff account number.The payment services provider is the independently system that can realize message exchange with the Invoice Number payment platform, be preferably the system of bank or bank card tissue, when the payment services system was the system of bank or bank card tissue, this payment terminal was the special-purpose terminal of bank or bank card tissue.
The payee only needed before transaction therefrom to obtain fixedly identification code and shroff account number is issued the Invoice Number payment platform to the application of Invoice Number payment platform, and in follow-up payment process, need not to dock with the Invoice Number payment system, wherein, Invoice Number distribution and processing unit are the fixedly identification code of payee's dispense needles to this payee according to payee's application, this payee is trade company, trade company can insert the Invoice Number payment system according to certain agreement, file an application to the Invoice Number payment system, to obtain fixedly identification code.
If trade company (payee) passes through the Invoice Number payment system when user (payer) collects money, also need obtain dealing money and user's corresponding relation, the trade company of this moment needs electronic system, and its user is assigned independently identity ID, the direct respective user ID in gathering of trade company like this.
Fixedly the identification code rule that expands to the transaction Invoice Number is preferably: the transaction Invoice Number is for adding the different digital value of a location number in the rear end of fixing identification code.The Invoice Number payment system is that each trade company (payee) distributes a fixedly identification code, fixedly the identification code section can be distributed according to territorial jurisdiction, usually can distribute the 3-7 position, trade company this fixedly on the basis of identification code expansion generate the transaction Invoice Number that the Invoice Number payment system can be accepted.For example, the fixedly identification code of distributing for trade company is 899, and the transaction Invoice Number of generation need comprise 899 or 899*** (* is numeral).Fixedly the list of values of identification code can be with reference to shown in the table 1 or adopt alternate manner.
Table 1 is the identification code table of winning the confidence fixedly
| The fixing length of identification code | The fixing span of identification code |
| 3 | 8 to be the first place, comprise 801-899 |
| 3 | 9 to be the first place, comprise 900-999 |
| 4 | With 6 is first place, i.e. 6000-6999 |
| 5 | With 5 is first place, i.e. 50000-59999 |
| 6 | With 3 is first place, i.e. 300000-399999 |
| 7 | With 7 is first place, i.e. 7000000-7999999 |
In the Invoice Number payment platform, specify a series of numerals, be appended to the fixedly rear end of identification code, thereby configure a series of transaction Invoice Numbers at its business.Fixedly identification code and transaction Invoice Number are generally the corresponding relation of one-to-many.Different transaction Invoice Numbers can also be provided with indefinite bill content and Payment Amount.
After trade company obtains fixedly identification code, also can generate the sub-trade company under the trade company, and be numeral of each sub-trade company's configuration, it is appended to fixedly identification code back, the fixedly identification code of forming sub-trade company, can be referred to as fixedly identification code of sub-trade company herein, but antithetical phrase trade company independently manage, comprising: information management, quota control, payment channel setting etc.By sub-trade company directly with sub-trade company fixedly identification code expansion generate the transaction Invoice Number, and send to the payee by this sub-trade company Invoice Number of directly should concluding the business.
No matter whether trade company docks with the Invoice Number payment platform, the payer can pay the bill, and trade company need be by transaction Invoice Number (can also be user mobile phone number) identification payer, by the Invoice Number payment platform, for the payer provides corresponding service.The implementation phase of payment as hereinbefore.
Fig. 2 is the structured flowchart of preferred Invoice Number payment system, and this Invoice Number payment system comprises Invoice Number payment platform, payment services system and transaction Invoice Number receiving equipment.Wherein, payment services system comprises payment terminal and the payment services provider who links to each other with payment terminal; The Invoice Number payment platform comprises payee's interface unit, fixedly identity assignments unit, fixedly identification code processing unit, transaction Invoice Number processing unit and payment interface unit, and described fixedly identity assignments unit, fixedly identification code processing unit and transaction Invoice Number processing unit are Invoice Number distribution and processing unit.Fixedly the identity assignments unit is that payee's dispense needles transmits fixedly identification code to this payee's fixedly identification code and by payee's interface unit according to payee's application; Fixedly the identification code processing unit receives the shroff account number of payee's submission of payee's interface unit transmission, and the fixedly identification code of this shroff account number and fixedly identity assignments unit distribution is formed corresponding relation and preservation.The fixedly identification code expansion that the payee will receive generates the transaction Invoice Number, and the Invoice Number of will concluding the business sends to payer's transaction Invoice Number receiving equipment, and the payer submits transaction Invoice Number, Payment Amount and payment instruction on the payment terminal of payment services system.The payment interface unit links to each other with payment services provider in the described payment services system, the payment interface unit is received in payment result, Payment Amount and the corresponding transaction Invoice Number that the payer is provided by the payment services provider after payment terminal is submitted payment instruction to, and submits to the Invoice Number processing unit.Transaction Invoice Number processing unit receives the payment result that the payment interface unit is received, Payment Amount and corresponding transaction Invoice Number, the payment result that the payment interface unit that receives can also be provided is by being provided with payer's interface unit advice and pay people, notify the payee by payee's interface unit, transaction Invoice Number processing unit determines that according to the transaction Invoice Number the fixedly identification code that contained fixedly identification code is stored again and the corresponding relation of shroff account number obtain shroff account number, send to the payment services provider with this shroff account number through the payment interface unit more again from fixing identification code processing unit.The payment services provider obtains shroff account number according to the transaction Invoice Number from the Invoice Number payment platform, and number of the account in the middle of the Payment Amount of appointment being paid from the payment number of the account according to payment instruction then is given to shroff account number by clearance then.The payment services provider obtains shroff account number according to the transaction Invoice Number from the Invoice Number payment platform in the absence of middle number of the account, directly pays the Payment Amount of appointment then to shroff account number from the payment number of the account.
The payment services provider is the independently system that can realize message exchange with the Invoice Number payment platform, be preferably the system of bank or bank card tissue, when the payment services system was the system of bank or bank card tissue, this payment terminal was the special-purpose terminal of bank or bank card tissue.
Fig. 3 is the workflow diagram of the utility model Invoice Number payment system:
Phase one: 1, the transaction Invoice Number generates
For the payee distributes fixedly identification code, payee's expansion on the basis of fixing identification code generates the transaction Invoice Number, and Invoice Number advice and pay people then should conclude the business.Particularly, comprise the steps:
(1), according to payee 201 application, Invoice Number payment platform 202 is the fixedly identification codes of payee's 201 dispense needles to this payee 201, payee 201 expansion on the basis of fixing identification code generates the transaction Invoice Number.
(2), payee 201 submits shroff account numbers to Invoice Number payment platform 202, Invoice Number payment platform 202 forms payee 201 shroff account number and fixing identification code one to one and concerns.
Invoice Number payment platform 202 can adopt various communication interfaces to receive the gathering information that the payee submits to, as long as the information transfer capability that these interfaces possess comprises SMS (SMS), Email, voice call and computer network communication interface etc.
(3), payee 201 expansion on the basis of fixing identification code generates the transaction Invoice Number, and sends the transaction Invoice Numbers to payer 204 transaction Invoice Number receiving equipment 203, also can increase as out of Memory contents such as Payment Amounts according to professional actual needs.Payer 204 transaction Invoice Number receiving equipment 203 can be mobile phone, phone, computer, PDA etc.
Subordinate phase: 2, payment is implemented
The payer submits transaction Invoice Number, Payment Amount and payment instruction by the network system of its trust to payment services system (bank, bank card tissue etc.), after intact this payment instruction of payment services system handles, with payment result and corresponding transaction Invoice Number and Payment Amount notice Invoice Number payment platform, the Invoice Number payment platform is notified payment result corresponding payer and payee subsequently.Particularly, comprise the steps:
(1), payer 204 obtains the transaction Invoice Numbers from transaction Invoice Number receiving equipment 203, selects a kind of payment network then.Payment network can be bank POS network, atm network, intelligent payment terminal network, Web bank, telephone bank or Mobile banking etc.
(2), payer 204 imports transaction Invoice Number, Payment Amount and payment instruction PI on payment terminal 205, PI comprises payment number of the account, password etc. at least, but concrete input method and content, the type that depends on the payment terminal of user-selected usefulness, as on the POS terminal: being operating as of payer imported transaction Invoice Number, input Payment Amount, swipes the card, inputs password, submitted to then.
(3), will conclude the business Invoice Number, Payment Amount and payment instruction of payment terminal 205 be sent to payment services provider 206, number of the account in the middle of payment services provider 206 pays the Payment Amount of appointment from payer 204 payment number of the account according to payment instruction and Payment Amount.This centre number of the account is payment services provider 206 and Invoice Number payment platform 202 common appointment numbers of the account of arranging.
(4), will conclude the business Invoice Number, Payment Amount and payment result notice Invoice Number payment platform 202 of payment services provider 206.
(5), Invoice Number payment platform 202 determines contained fixedly identification code according to the transaction Invoice Numbers, and obtains shroff account number according to the fixedly identification code of storing and the corresponding relation of shroff account number, and shroff account number sent to payment services provider 206.
(6), payment services provider 206 pays shroff account number from middle number of the account with the Payment Amount of appointment.
Mode by middle number of the account can make payment more accurate and reduce errors.Certainly, the mode of number of the account in the middle of also can not adopting, receive transaction Invoice Number, Payment Amount and the payment instruction of payment terminal 205 payment services provider 206 after, Invoice Number, Payment Amount and the payment result of will concluding the business immediately sends to Invoice Number payment platform 202, Invoice Number payment platform 202 sends to payment services provider 206 with shroff account number, and payment services provider 206 directly pays shroff account number from payer 204 payment number of the account with the Payment Amount of appointment.
The utility model Invoice Number payment system divides payment transaction for two stages: the implementation phase of transaction Invoice Number generation phase and payment, the payer only need know that the transaction Invoice Number just can implement to pay, therefore actual delivery can be implemented by the payment terminal network with financial level security of bank, therefore can utilize all kinds of public networks to receive payee's collecting account and issue transaction Invoice Number, utilize bank ready-made then, the financial payment systems of safety is implemented convenient and safe payment, i.e. transaction is reached can be in the internet, enterprise network or other users think on the convenient and practical information network, and the special-purpose payment terminal network of payment channel usage bank, as the bank card POS network, telephone bank, Mobile banking, atm network or other intelligent payment terminal networks, its security is equal to the security of the own trade network of bank, thereby can avoid on public information network, transmitting sensitive information, even can be to initiate by different people concluding the business on the public network with on payment network, implementing payment, so wooden horse is passed through in attempt, eavesdropping, means such as decoding obtain user's payment information possibility hardly, thereby have greatly improved security of payment.The transaction Invoice Number is formed from the basis expansion of the fixedly identification code that obtains by the payee, that is to say each the transaction Invoice Number represented specific meaning, from each transaction Invoice Number, can judge trade company (payee) information, and directly send to payer's receiving equipment by the payee, the payee also can finish gathering even without electronic system, this transaction Invoice Number shows very simply, be convenient to payer payment and transmit in whole payment transaction process, the number of the account implementation process of can guaranteeing payment is more convenient, accurately and safety in the middle of being provided with.
Claims (10)
1. the Invoice Number payment platform is characterized in that, comprises payee's interface unit, Invoice Number distribution and the processing unit and the payment interface unit that link to each other successively by the information transmission order; Described Invoice Number distribution and processing unit are the fixedly identification code of payee's dispense needles to this payee according to payee's application; Described payee's interface unit is provided with the communication interface with information transfer capability; Described payee's interface unit passes to the payee with the fixedly identification code that Invoice Number distributes and processing unit distributes, and receives the shroff account number that the payee submits to, this shroff account number is passed to Invoice Number again and distributes and processing unit; Described payment interface unit and described Invoice Number payment platform outer payment services provider link to each other, and the payee generates the transaction Invoice Number Invoice Number of also will concluding the business according to fixing identification code expansion and sends to the transaction Invoice Number receiving equipment of the payer outside the described Invoice Number payment platform; Described payment interface unit is received in payment result, Payment Amount and the corresponding transaction Invoice Number that the payer is provided by the payment services provider after payment terminal is submitted payment instruction to, and submit to Invoice Number and distribute and processing unit, determine that according to the transaction Invoice Number contained fixedly identification code is to obtain shroff account number and this shroff account number is sent to the payment services provider through the payment interface unit by Invoice Number distribution and processing unit again.
2. Invoice Number payment platform according to claim 1, it is characterized in that, also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and links to each other with processing unit, described Invoice Number distributes and processing unit passes through payer's interface unit advice and pay people with the payment result that the payment interface unit that receives provides, and notifies the payee by payee's interface unit.
3. Invoice Number payment platform according to claim 1, it is characterized in that, described payment services provider is bank or payment tissue, described payment terminal is the terminal of the special-purpose terminal or the payment tissue of bank, described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-E-mail address, and described communication interface is SMS interface or voice call interface or Interface for digital communication.
4. according to the described Invoice Number payment platform of one of claim 1 to 3, it is characterized in that described transaction Invoice Number is the different digital value at the additional location number in the rear end of fixing identification code.
5. according to the described Invoice Number payment platform of one of claim 1 to 3, it is characterized in that, described Invoice Number distributes and processing unit comprises fixedly identity assignments unit, fixedly identification code processing unit and transaction Invoice Number processing unit, and described fixedly identity assignments unit be that payee's dispense needles is also passed through the transmission of payee's interface unit to this payee's fixedly identification code and is somebody's turn to do fixedly identification code according to payee's application; Described fixedly identification code processing unit receives the shroff account number of payee's submission of payee's interface unit transmission; Described transaction Invoice Number processing unit receives payment result, Payment Amount and the corresponding transaction Invoice Number of receiving the payment interface unit, and determine that according to the transaction Invoice Number the fixedly identification code that contained fixedly identification code is stored again and the corresponding relation of shroff account number obtain shroff account number, send to the payment services provider with this shroff account number through the payment interface unit again from fixing identification code processing unit.
6. Invoice Number payment system, comprise Invoice Number payment platform and the payment services system that can carry out information communication with the Invoice Number payment platform, described payment services system comprises payment terminal and the payment services provider who links to each other with payment terminal, and described Invoice Number payment system also comprises the payer's that can receive the information that the payee sends transaction Invoice Number receiving equipment; Described Invoice Number payment platform comprises payee's interface unit, Invoice Number distribution and processing unit and the payment interface unit that links to each other successively by the information transmission order; Described Invoice Number distribution and processing unit are the fixedly identification code of payee's dispense needles to this payee according to payee's application; Described payee's interface unit is provided with the communication interface with information transfer capability; Described payee's interface unit passes to the payee with the fixedly identification code that Invoice Number distributes and processing unit distributes, and receives the shroff account number that the payee submits to, this shroff account number is passed to Invoice Number again and distributes and processing unit; Described payment interface unit links to each other with payment services provider in the described payment services system, expansion generates the transaction Invoice Number receiving equipment that transaction Invoice Number and the Invoice Number of will conclude the business send to the payer to the payee according to fixing identification code, transaction Invoice Number, Payment Amount and the payment instruction of the payment terminal reception payer submission of described payment services system; Described payment interface unit is received in payment result, Payment Amount and the corresponding transaction Invoice Number that the payer is provided by the payment services provider after payment terminal is submitted payment instruction to, and submit to Invoice Number and distribute and processing unit, determine that according to the transaction Invoice Number contained fixedly identification code is to obtain shroff account number and this shroff account number is sent to the payment services provider through the payment interface unit by Invoice Number distribution and processing unit again.
7. Invoice Number payment system according to claim 6, it is characterized in that, also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and links to each other with processing unit, described Invoice Number distributes and processing unit passes through payer's interface unit advice and pay people with the payment result that the payment interface unit that receives provides, and notifies the payee by payee's interface unit.
8. Invoice Number payment system according to claim 6, it is characterized in that, described payment services system is the system of banking system or payment tissue, described payment terminal is the terminal of the special-purpose terminal or the payment tissue of bank, and described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-E-mail address.
9. according to the described Invoice Number payment system of one of claim 6 to 8, it is characterized in that described transaction Invoice Number is the different digital value at the additional location number in the rear end of fixing identification code.
10. according to the described Invoice Number payment system of one of claim 6 to 8, it is characterized in that, described Invoice Number distributes and processing unit comprises the fixedly identity assignments unit that is connected successively, fixedly identification code processing unit and transaction Invoice Number processing unit, and described fixedly identity assignments unit be that payee's dispense needles is also passed through the transmission of payee's interface unit to this payee's fixedly identification code and is somebody's turn to do fixedly identification code according to payee's application; Described fixedly identification code processing unit receives the shroff account number of payee's submission of payee's interface unit transmission; Described transaction Invoice Number processing unit receives payment result, Payment Amount and the corresponding transaction Invoice Number of receiving the payment interface unit, and infer according to the transaction Invoice Number and determine that the fixedly identification code that contained fixedly identification code is stored again and the corresponding relation of shroff account number obtain shroff account number, send to the payment services provider with this shroff account number through the payment interface unit again from fixing identification code processing unit.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010205843434U CN201974858U (en) | 2010-10-29 | 2010-10-29 | Bill number payment platform and payment system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010205843434U CN201974858U (en) | 2010-10-29 | 2010-10-29 | Bill number payment platform and payment system |
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| CN201974858U true CN201974858U (en) | 2011-09-14 |
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| CN2010205843434U Expired - Lifetime CN201974858U (en) | 2010-10-29 | 2010-10-29 | Bill number payment platform and payment system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018150275A3 (en) * | 2017-02-17 | 2018-10-04 | Leng Tianqing | Splitting digital promises recorded in a blockchain |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018150275A3 (en) * | 2017-02-17 | 2018-10-04 | Leng Tianqing | Splitting digital promises recorded in a blockchain |
| US10225076B2 (en) | 2017-02-17 | 2019-03-05 | Tianqing Leng | Splitting digital promises recorded in a blockchain |
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Address after: 100080 Beijing city Haidian District Danleng Street No. 6 Building 1 6 706 Patentee after: LAKALA PAYMENT Co.,Ltd. Address before: 100080 Beijing city Haidian District Danleng Street No. 6 Building 1 7 706 Patentee before: LAKALA PAYMENT Co.,Ltd. Address after: 100080 Beijing city Haidian District Danleng Street No. 6 Building 1 7 706 Patentee after: LAKALA PAYMENT Co.,Ltd. Address before: 100097 Beijing Haidian District Zizhuyuan Road No. 116 gladful international center block D No. 805 Patentee before: BEIJING LAKALA NETWORK TECHNOLOGY Co.,Ltd. |
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