TW202134976A - Transaction method and transaction system thereof using communication platform - Google Patents

Abstract

The present invention relates a transaction method using a communication platform that primarily executing a process of attribution and payment procedure through a third party end based on a payment request which is generated and transmitted by a buyer end. The payment request is generated based on a payment link which is correspondingly generated by the third party end in a communication platform based on transaction information when a fulfillment transaction setting request is generated and transmitted by a seller end. Accordingly, the third party end effectively verifies the identity of both parties (the buyer end and the seller end) and guarantees the security of payment when the transaction behavior between both parties has occurred, in order to avoid personal information leakage or fraud, etc.

Description

Transaction method and transaction system using communication platform

The present invention relates to a communication platform transaction technology, in particular to a transaction method and a transaction system using a communication platform that provide a buyer's end and a seller's end for transaction actions on the communication platform through a third-party end.

With the popularization of Internet broadband, consumption patterns in today's society have also changed, driving the development of e-commerce. The transaction mechanism of e-commerce is mainly through consumers connecting a shopping mall platform with communication devices such as network communication or mobile phone communication to select the product items of the shopping mall platform, and after completing the selection of the product items, you can Commodity transactions are performed on the shopping mall platform to complete the online shopping process.

Since e-commerce transactions are conducted on the Internet, transaction security has always been one of the most important things for consumers, shops and even payment banks. At present, credit card payment is widely used in online shopping. The security transmission protocols are mainly SSL and SET. , But the SSL protocol provides the most basic point-to-point communication security mechanism for both parties on the Internet during the transaction process. It can only protect the confidentiality of the communication data between the consumer and the store, but it cannot guarantee the security of the entire transaction process. The SET protocol Although the interactive process between consumers, stores, receiving banks, and card issuing banks can be specified in detail to confirm the identity of the other party and ensure the integrity and privacy of the transaction information, there are still insufficient or imperfect parts of the protection of the transaction process .

Therefore, there is an urgent need for a technology that can increase the security of online transactions, thereby improving the problems of the prior art.

The purpose of the present invention is to provide a transaction method using a communication platform, which mainly generates a payment request via the buyer's terminal and sends it to a third-party terminal, and the third-party terminal executes the attribution and processing operations related to the payment procedure according to the payment request. Among them, the payment request is generated based on the payment link, and the payment link is generated by the third party through the seller's end by generating the fulfillment transaction and the third party is generated through the third party based on the product information corresponding to the communication platform. In this way, when the buyer's end When conducting transactions with the seller, the third party can effectively verify the identity of both parties and ensure the security of payment, thereby avoiding personal information leakage or fraud.

For the purpose of the above disclosure, the present invention provides a transaction method using a communication platform, including: using a third-party terminal to receive a payment request from a buyer; the third-party terminal checks whether the buyer is on a communication platform Is set as a bound user of the third party; if it is not the bound user, the third party sends a bound user request to the buyer, so that the buyer can request the third party according to the request of the bound user The three-party terminal is set as the bound user; if it is the bound user, the third-party terminal checks whether a payment code in the payment request has been owned by any buyer; when the payment code has been When the buyer is attributable, the third-party terminal further checks whether the attributable buyer is the buyer who sent the payment request; if the attributable buyer is not the buyer who sent the payment request, The third party returns an attribution error message to a seller; when the payment code is not owned by any of the buyer, the third party returns a pending payment information to the buyer, and the The payment code is linked to a communication platform identity of the buyer; and if the buyer belongs to the buyer who sent the payment request or the third party returns the pending payment information to the buyer , The third party uses the communication platform to return a payment information created by the buyer based on the payment request.

Preferably, when the third party receives the payment request from the buyer, it further includes: using the third party to return a login request of the communication platform to the buyer; and the buyer according to the login request Log in to the communication platform.

Preferably, the transaction method using the communication platform further includes: the buyer's terminal receives the payment information, and the buyer's terminal sets at least one payment parameter corresponding to the payment information, and sends it to the third-party terminal; the The third party uses the communication platform to generate a payment verification code based on the buyer's communication platform identity, and sends the payment verification code to the buyer; the third party receives a payment verification code generated by the buyer based on the payment verification code. The buyer verification code, and check whether the buyer verification code is correct; if the buyer verification code is correct, the third-party terminal executes a payment flow processing process according to the payment parameters, and returns a transaction result to the buyer terminal; And if the buyer’s verification code is wrong, the third party will return a transaction failure message to the buyer.

Preferably, when the third-party terminal executes the payment flow processing procedure, it further includes: the third-party terminal receives a transaction success information that meets the payment request sent from the buyer's terminal; A payment amount in the transaction success information is used to correspondingly deposit a virtual point into a temporary deposit fulfillment account in the third-party terminal; and the third-party terminal returns a first-stage fulfillment transaction completion information to the third-party terminal The buyer's side and the seller's side.

Preferably, when the third-party terminal returns the completion information of the first-stage guarantee transaction to the buyer and the seller, it further includes: deciding whether to agree to the completion information of the first-stage guarantee transaction according to the buyer's terminal If you disagree with the completion information of the first-stage performance insurance transaction, the third party will generate a transaction dispute information to the buyer and the seller based on the first-stage performance transaction completion information; if you agree to the first When the completion information of the first-stage fulfillment transaction or the buyer’s response is not received within a certain period of time, the third-party terminal will correspond to the virtual point in the temporary storage fulfillment account memory according to the completion information of the first-stage fulfillment transaction The data is transferred to an electronic wallet on the seller's side; and the third-party side returns a second-stage fulfillment transaction completion information to the buyer's side and the seller's side.

Preferably, the third-party terminal generates the transaction result based on the completion information of the first-stage performance insurance transaction, the completion information of the second-stage performance transaction, or both.

Preferably, when the third-party terminal uses the communication platform to return the payment information created by the buyer based on the payment request, and an estimated payment period has elapsed, it further includes: the third-party terminal uses the communication platform to send A push to broadcast the payment link and the buyer's side.

Preferably, when the third party determines that the buyer is the bound user, it further includes: the third party further checks whether the communication platform identity of the buyer is an alert account; if the buyer is the alert If the buyer is not the warning account, the third party will check whether the payment code in the payment request is owned by any buyer. Actions.

Preferably, when the third-party terminal further checks whether the communication platform identity of the buyer is the alert account, the third-party terminal judges the buyer based on fraud notifications, bank credit information, or data recorded in other databases Whether the communication platform identity of the terminal is the alert account.

Preferably, when the attributable buyer is the buyer who sent the payment request or the third party returns the pending payment information to the buyer, it further includes: the third party further checks the Whether the communication platform identity of the buyer side has performed the mobile phone binding action; when the third-party side determines that the communication platform identity of the buyer side has performed the mobile phone binding action and only binds a mobile phone within a binding period, The third-party terminal continues to perform the action of using the communication platform to return the payment information created by the buyer based on the payment request; when the third-party terminal determines that the buyer has not yet bound the mobile phone, the third-party terminal Send a binding request to the buyer, so that the buyer performs the binding of the mobile phone according to the binding request; and when the third party determines that the buyer changes binding multiple times during the binding period When the mobile phone or the mobile phone bound to the buyer is an online virtual mobile phone, the third party sends an abnormal binding message to the buyer.

Preferably, when the payment code is not owned by any of the buyers, it further includes: the third party further checks whether the buyer has activated an electronic wallet; if the buyer has not activated the electronic wallet, The third party sends an e-wallet activation request to the buyer; the buyer verifies according to the e-wallet activation request, and updates an e-wallet information of the buyer after the verification is passed to activate the e-wallet; if the buyer When the e-wallet is enabled on the terminal, the third-party terminal executes the action of returning the pending payment information to the buyer terminal.

Preferably, when the buyer further sends a quick collection request to the third party, it further includes: the third party receives the quick collection request from the buyer; the third party checks the buyer's Whether the communication platform identity has stored a bank account information; if the communication platform identity of the buyer side does not store the bank account information, the third party receives the buyer’s input of a bank account verification corresponding to the bank account information Verification code; the third-party terminal sends to a verification center to verify the bank account information based on the bank account verification code; the third-party terminal receives a verification result generated by the verification center; and if the buyer’s communication When the bank account information has been stored in the platform identity or the verification result is correct, the third-party terminal generates a buyer's collection ID code that can identify the buyer's terminal and the bank account information.

Preferably, the transaction method using the communication platform further includes: using the third party terminal to receive a performance transaction setting request from the seller terminal; the third party terminal checks whether the seller terminal has enabled an electronic wallet; if the seller terminal When the e-wallet is not activated, the third party sends an e-wallet activation request to the seller; the seller verifies according to the e-wallet activation request, and updates an e-wallet information of the seller after the verification is passed. Enable the e-wallet; if the seller has enabled the e-wallet, the third party receives a product information set by the seller on the communication platform; and the third party uses the product information on the communication platform A payment link corresponding to the product information is generated on the page.

Preferably, when the seller side performs verification according to the e-wallet activation request, it further includes: the seller side returns a response verification information to the third-party side for verification; if the third-party side verifies successfully, The third-party terminal updates the electronic wallet information of the seller's terminal; and if the third-party terminal fails the verification, the third-party terminal performs a re-verification procedure or an end procedure.

Preferably, the payment link includes a specific change code, and the specific change code is generated based on the data recorded in the product information.

Preferably, the buyer generates the payment request based on the payment link.

Preferably, when the seller side further sends a quick collection request to the third party, it further includes: the third party receives the fast collection request from the seller; the third party checks the seller's Whether a communication platform identity has stored a bank account information; if the seller’s communication platform identity does not store the bank account information, the third party receives the seller’s input of a bank account verification corresponding to the bank account information Verification code; the third-party terminal sends to a verification center to verify the bank account information based on the bank account verification code; the third-party terminal receives a verification result generated by the verification center; and if the communication on the seller’s side When the bank account information has been stored in the platform identity or the verification result is correct, the third-party terminal generates a seller receiving ID code that can identify the seller terminal and the bank account information.

Preferably, the payment request includes a payment code, and the third-party terminal creates the payment information according to the payment code in the payment request.

Another object of the present invention is to provide a transaction system using a communication platform, which mainly generates a payment request via the buyer's end and sends it to a third-party end, and the third-party end performs processing related to the attribution and payment procedures according to the payment request. Operation, where the payment request is generated based on the payment link, and the payment link is generated through the seller’s end by generating the fulfillment transaction setting request to the third-party end, and then the third-party end is generated based on the product information on the communication platform. In this way, when When the buyer and seller conduct transactions with each other, the third party can effectively verify the identity of both parties and ensure the security of payment, thereby avoiding personal information leakage or fraud.

In order to achieve another objective of the above disclosure, the present invention provides a transaction system using a communication platform, which includes: a buyer side, which generates a payment request, and the buyer side is configured to correspond to the payment information according to a payment information. Corresponding to at least one payment parameter, and then generate a corresponding buyer verification code based on a payment verification code; a third-party terminal that links with the buyer’s terminal to receive the payment request, and the third-party terminal checks the payment request Whether a payment code has been owned by any buyer, and when the payment code has been owned by any buyer, the third party will further check whether the buyer is the one who sent the payment request. On the buyer’s side, if the buyer’s attribution is not the buyer who sent the payment request, the third party will return an attribution error message to a seller. When the payment code is not owned by any of the buyer’s At the time of attribution, the third party sends back a pending payment information to the buyer, and makes an attribution link between the payment code and a communication platform identity of the buyer, if the buyer attributable is to send the payment request When the buyer or the third party returns the payment information to the buyer, the third party uses the communication platform to return the payment information created by the buyer in accordance with the payment request. When receiving the payment parameters sent by the buyer, the third party generates the payment verification code corresponding to the identity of the communication platform of the buyer, and sends the payment verification code to the buyer. When the third party When receiving the buyer verification code sent by the buyer, the third party checks whether the buyer verification code is correct. If the buyer verification code is correct, the third party executes a payment flow based on the payment parameters. Process, and return a transaction result to the buyer, if the buyer’s verification code is wrong, the third party will return a transaction failure message to the buyer; and the seller, it and the third party The seller generates a performance transaction setting request to the third party, and the third party generates a payment link corresponding to the product information on the communication platform based on a product information of the seller.

Preferably, when the third-party terminal receives the payment request, the third-party terminal further checks whether the buyer's terminal is set as a bound user of the third-party terminal on the communication platform, or if it is not the bound user At the time, the third-party terminal sends a binding user request to the buyer, so that the buyer sets the third-party terminal as the bound user according to the binding user’s request. If it is the bound user, the The third party performs the action of checking the payment request.

Preferably, the payment request includes a payment code, and the third-party terminal creates the payment information according to the payment code in the payment request.

Preferably, when the third-party terminal receives the fulfillment transaction setting request, the third-party terminal further checks whether the seller’s terminal has enabled an electronic wallet, and if the seller’s terminal has not enabled the electronic wallet, the third-party terminal sends An e-wallet activation request is sent to the seller. The seller verifies according to the e-wallet activation request, and updates an e-wallet information of the seller to activate the e-wallet after the verification is passed. If the seller has activated the e-wallet In the case of a wallet, the third-party terminal receives the product information set by the seller terminal on the communication platform.

Another object of the present invention is to provide a transaction method using a communication platform, which mainly generates a payment request through the buyer and sends it to a third party, and the third party generates corresponding payment information to the buyer according to the payment request. Perform subsequent payment flow processing procedures, where the payment request is generated based on the payment link, and the payment link is generated through the seller’s end by generating the fulfillment transaction. After setting the request to the third party, the third party will correspond to the communication platform based on the product information. In this way, the third party can effectively provide the buyer's and seller's actions to conduct transactions with each other to ensure the security of payment, thereby avoiding personal information leakage or fraud.

In order to achieve another purpose of the above disclosure, the present invention provides a transaction method using a communication platform, including: using a third party terminal to receive a payment request from a buyer terminal; the third party terminal checks whether the buyer terminal is in a communication The platform is set as a bound user of the third-party end; if it is not the bound user, the third-party end sends a bound user request to the buyer, so that the buyer end according to the bound user’s request The third-party terminal is set as the bound user; if it is the bound user, the third-party terminal uses the communication platform to return a payment information created by the buyer based on the payment request; the buyer receives the payment Information, and set at least one payment parameter corresponding to the payment information to be sent to the third party; and the third party executes a payment flow processing process according to the payment parameters, and returns a transaction result to the buyer.

Preferably, when the third party receives the payment request from the buyer, it further includes: using the third party to return a login request of the communication platform to the buyer; and the buyer according to the login request Log in to the communication platform.

Preferably, the third-party terminal establishes the payment information according to a payment code in the payment request.

When the third-party terminal executes the payment flow processing procedure, it further includes: the third-party terminal receives a transaction success information that meets the payment request sent from the buyer’s terminal; To deposit a virtual point into a temporary fulfillment account in the third-party terminal; and the third-party terminal sends back a completion information of the first-stage fulfillment transaction to the buyer and the third-party terminal. Seller's side.

Preferably, when the third-party terminal returns the completion information of the first-stage guarantee transaction to the buyer and the seller, it further includes: deciding whether to agree to the completion information of the first-stage guarantee transaction according to the buyer's terminal If you disagree with the completion information of the first-stage performance insurance transaction, the third party will generate a transaction dispute information to the buyer and the seller based on the first-stage performance transaction completion information; if you agree to the first When the completion information of the first-stage fulfillment transaction or the buyer’s response is not received within a certain period of time, the third-party terminal will correspond to the virtual point in the temporary storage fulfillment account memory according to the completion information of the first-stage fulfillment transaction The data is transferred to an electronic wallet on the seller's side; and the third-party side returns a second-stage fulfillment transaction completion information to the buyer's side and the seller's side.

Preferably, the third-party terminal generates the transaction result based on the completion information of the first-stage performance insurance transaction, the completion information of the second-stage performance transaction, or both.

In order to make the above-mentioned objects, features and advantages of the present invention more obvious and understandable, detailed descriptions are given below in conjunction with the specific embodiments listed in the drawings.

The advantages, features, and technical methods of the present invention will be described in more detail with reference to the exemplary embodiments and the accompanying drawings to make it easier to understand, and the present invention can be implemented in different forms, so it should not be understood as the present invention It is limited to the embodiments set forth here. On the contrary, for those with ordinary knowledge in the technical field, the provided embodiments will make this disclosure more thorough, comprehensive and complete to convey the scope of the present invention, and the present invention will only It is defined by the scope of the attached patent application.

In addition, the terms "including" and/or "including" refer to the existence of the features, regions, wholes, steps, operations, elements, and/or components, but do not exclude one or more other features, regions, wholes, steps, operations , The presence or addition of elements, components, and/or combinations thereof.

In order to make it easier for your reviewer to understand the content of the present invention and the effects that can be achieved, the specific embodiments listed in the drawings are described in detail as follows:

Please refer to Figures 1 to 5, which are a schematic diagram of the step flow diagram of the buyer's payment of the present invention, the step flow diagram of another embodiment of the buyer's payment, the step flow diagram of the payment flow processing, and the step flow diagram of the seller generating the payment link. And a schematic diagram of the e-wallet verification steps. As shown in the figure, the present invention mainly generates a payment request through a buyer's terminal (such as the buyer's smartphone, computer or other terminal device) and sends it to a third-party terminal (such as a third-party smartphone, computer or other terminal device). Other terminal devices), and the payment request here is a payment link generated by a seller (such as the seller’s smartphone, computer or other terminal device), so that the buyer’s payment according to the product to be purchased The payment link generates the corresponding payment request, and the procedure for generating the payment link on the seller side is described in the following paragraph.

When the third party receives the payment request and the buyer has not logged into a communication platform (such as Line, Wechat, Facebook messenger, WhatsApp, or other related communication platforms or applications installed in a server, here In the embodiment, when Line is used as the communication platform for description), the third party will first return a login request for the communication platform to the buyer, so that the buyer can follow the login request Click the information directly to log in, or after receiving the log-in request through the buyer, open the corresponding communication platform to log in based on the log-in request information. In this way, when the buyer successfully logs in to the communication After the platform, the third party can check according to the communication platform whether the buyer is set as a bound user of the third party on the communication platform, that is, the third party can use the bound user list of the communication platform Or back-end information, etc., to query whether a communication platform identity (such as LineID) of the buyer is the bound user of the third party, where the bound user may include the friend settings in the communication software, the address book contacts in the phone book , Subscriber on the communication platform, or other settings that can be linked to the official account of the third party. If it is not the bound user, the third-party end sends a bound user request to the buyer end, so that the buyer end sets the third-party end as the bound user according to the bound user request; but if it is When the user is bound, the third party directly checks whether a payment code in the payment request sent by the buyer is owned by any buyer. Any buyer referred to here includes The buyer who sent the payment request and the other buyer who did not participate in this process, when the payment code has been owned by any one of the buyer, the third party will further check whether the buyer belongs to If the buyer who sent the payment request is not the buyer who sent the payment request, the third party will return an attribution error message to the seller so that the seller can obtain Knowing that the payment code of the order is not usable by the buyer, so as to avoid direct communication between the buyer and the seller and causing the trouble of private transactions; and when the payment code is not owned by any of the buyer At the time, the third-party terminal will return a pending payment information (for example, the relevant details of the payment confirmation to the buyer, such as the desired product unit price, product name, picture, watermark or transaction code, etc.) to the buyer, and the The payment code is linked to the identity of the communication platform of the buyer. In this way, the payment code of the order belongs to the buyer. If another buyer wants to use the payment code, the third party will Perform the above action of returning the attribution error message to the seller.

However, if the attributable buyer is the buyer who sent the payment request, or the third party sends back the pending payment information to the buyer, the third party verifies that the buyer sent the payment request The buyer is the buyer who belongs to the payment code. Therefore, the third party can use the communication platform to return a payment information (such as payment total, payment account, or payment verification procedure) created by the buyer according to the payment request Wait).

When the buyer receives the payment information, the user can perform payment related procedures through the buyer, so that the buyer can set at least one payment parameter corresponding to the payment information (for example, the buyer’s payment source Data), the buyer can send the payment parameters set by it to the third party. At this time, after the third party receives the payment parameters and completes the relevant confirmation actions, in order to confirm the payment given by the buyer The authenticity of the payment parameters, or to confirm the identity of the buyer again, the third party will use the communication platform to generate a payment verification code based on the identity of the communication platform of the buyer, and send the payment verification code To the buyer, and when the buyer receives the payment verification code, it can input the corresponding data according to the relevant information of the payment verification code to generate a buyer verification code and send it to the third party through The third party checks whether the buyer verification code is correct. In the process of checking the buyer's verification code, if the buyer's verification code is correct, the third-party terminal executes a payment flow processing process according to the payment parameters, and returns a transaction result to the buyer's terminal; but if When the buyer verification code is wrong, the third-party terminal returns a transaction failure message to the buyer terminal, where the transaction failure message can further record the reason for the transaction failure, so as to provide the buyer terminal for information.

When the buyer receives the payment information, the third party usually sets an estimated payment period (for example, 1 day, 3 days, or 1 week, etc., the period is not limited) to avoid the delay of the order Too long, so, when the buyer receives the payment information, but has not made any payment and the estimated payment period has passed, the third party uses the communication platform to send a push payment link with the The buyer then reminds the buyer to make payment.

Thus, in this embodiment, the transaction method of the present invention can be completed at least through the following steps:

S101: Use a third-party terminal to receive a payment request from the buyer's terminal;

S102: The third party checks whether the buyer is set as a bound user of the third party on the communication platform;

S103: If it is not a bound user, the third party sends a bound user request to the buyer, so that the buyer sets the third party as a bound user according to the bound user request;

S104: If it is a binding user, the third party checks whether the payment code in the payment request has been owned by any buyer;

S105: When the payment code has been owned by any buyer, the third party further checks whether the attributable buyer is the buyer who sent the payment request;

S106: If the attributable buyer is not the buyer who sent the payment request, the third party sends back an attribution error message to the seller;

S107: When the payment code is not owned by any buyer, the third party will return the payment pending information to the buyer, and the payment code will be attributable to the buyer's communication platform identity; and

S108: If the attributable buyer is the buyer who sent the payment request or the third party returns pending payment information to the buyer, the third party uses the communication platform to return the payment information created by the buyer according to the payment request .

When the third-party terminal receives the payment request from the buyer, and the buyer has not logged in to the communication platform, the following steps are further performed:

S109: Use the third party to return the login request of the communication platform to the buyer;

S110: The buyer logs in to the communication platform according to the login request.

In addition, when the buyer receives the payment information, the present invention may further perform the following steps:

S111: The buyer receives the payment information, and the buyer sets at least one payment parameter corresponding to the payment information and sends it to the third party;

S112: The third party uses the communication platform to generate a payment verification code based on the buyer's communication platform identity, and sends the payment verification code to the buyer;

S113: The third party receives the buyer verification code generated by the buyer based on the payment verification code, and checks whether the buyer verification code is correct;

S114: If the buyer's verification code is correct, the third-party terminal executes the payment flow processing process according to the payment parameters, and returns the transaction result to the buyer's terminal;

S115: If the buyer's verification code is wrong, the third party will return a transaction failure message to the buyer.

However, when the buyer has received the payment information, and the payment has not been made within the estimated payment period, the present invention may further include the following steps:

S116: The third party uses the communication platform to send a push payment link to the buyer.

However, the present invention may also directly perform the subsequent payment flow processing procedure without performing the attribution verification action, and the payment flow processing procedure herein may also complete its payment flow processing procedure without performing the verification action. In this way, the process can be completed, for example, through the following steps:

S101: Use a third-party terminal to receive a payment request from the buyer's terminal;

S102: The third party checks whether the buyer is set as a bound user of the third party on the communication platform;

S103: If it is not a bound user, the third party sends a bound user request to the buyer, so that the buyer sets the third party as a bound user according to the bound user request;

S117: If the user is bound, the third party uses the communication platform to return the payment information created by the buyer according to the payment request (for example, the payment code in the payment request).

S111: The buyer receives the payment information, and the buyer sets at least one payment parameter corresponding to the payment information and sends it to the third party;

S118: The third party executes the payment flow processing procedure according to the payment parameters, and returns the transaction result to the buyer.

In addition, when the third-party terminal executes the payment flow processing process, when the third-party terminal can receive a transaction success message (that is, the buyer's payment is successful) that meets the payment request sent from the buyer's terminal, According to a payment amount in the transaction success information, the third-party terminal correspondingly deposits a virtual point into a temporary deposit fulfillment account in the third-party terminal (that is, it is used to realize the transaction between the buyer and the seller, so that the buyer The payment amount (points) paid by the terminal is deposited, and when the transaction is determined to be completed, the corresponding amount (points) is transferred to the temporary deposit account of the seller’s terminal to achieve the purpose of the performance guarantee), the third-party terminal Then return a stage 1 performance transaction completion information to the buyer and the seller to notify the buyer and the seller of the transaction progress, transaction information, or both of the order, where the first The completion information of the stage performance transaction can include the transaction progress, the transaction information, or both. The transaction progress can be displayed by graphics, charts, text, or a combination of any two or more, and the transaction information can be displayed. Including product quantity, transaction content or dialog screenshots, etc., and when the communication platform provides the completion information of the first-stage performance guarantee transaction to the buyer and the seller, it can be sent by two-dimensional barcode, code or other methods. This allows the buyer and the seller to view the content of the completion information of the first-stage performance insurance transaction through the above-mentioned method.

When the buyer receives the completion information of the first-stage performance transaction, the buyer can further decide whether to agree to the content of the first-stage performance transaction completion information, if the buyer does not agree with the first-phase performance transaction When the information is completed, the third-party terminal generates a transaction dispute information to the buyer and the seller based on the completion information of the first-stage guarantee transaction, and can further notify the relevant customer service staff to intervene; but if the buyer agrees The completion information of the first-stage performance transaction or within a decision period (for example, the buyer should be informed that it should decide whether to agree to the content of the first-stage performance transaction completion information within 2 days, and the actual decision period should not be limited here. If the buyer’s reply is not received in ), the third party will transfer the virtual points in the corresponding temporary storage account to an e-wallet on the seller according to the completion information of the first-stage fulfillment transaction , At this time, the third party will return a second-stage performance transaction completion information to the buyer and the seller, when the buyer and the seller receive the second-stage performance transaction completion information Time, it means that the transaction process of this order has been completed, so the third party can use the results of the above process to base on the completion information of the first-stage performance transaction, the completion information of the second-stage performance transaction, or both Both generate the transaction result and send it to the buyer, the seller, or both.

In this way, when the third-party terminal executes the payment flow processing procedure, the payment flow processing procedure can be completed at least through the following steps:

S201: The third party receives the transaction success information that meets the payment request sent from the buyer;

S202: According to the payment amount in the transaction success information, the third-party terminal correspondingly deposits virtual points into the temporary deposit fulfillment account in the third-party terminal;

S203: The third party sends back the completion information of the first-stage performance guarantee transaction to the buyer and seller;

S204: According to the buyer's decision whether to agree to the content of the completion information of the first phase of the insurance transaction;

S205: If the information on the completion of the first-stage insurance transaction is not agreed, the third party generates transaction dispute information to the buyer and seller based on the information on the completion of the first-stage insurance transaction;

S206: If you agree to the completion information of the first-stage fulfillment transaction or the buyer does not receive a reply within the decision period, the third-party will temporarily store the virtual points in the memory of the fulfillment account according to the first-stage fulfillment transaction completion information Transfer to the e-wallet on the seller's side;

S207: The third party sends back the completion information of the second-stage performance insurance transaction to the buyer and seller.

Therefore, the third party can use the result of the above process to generate the transaction result based on the completion information of the first-stage performance transaction, the completion information of the second-stage performance transaction, or both, and send it to the The buyer's side, the seller's side, or both.

Furthermore, when the seller wants to put related products on the shelves, the seller can generate a performance transaction setting request for the products on the shelves to the third party. At this time, the third party will check whether the seller An e-wallet has been activated to facilitate subsequent transactions. If the seller does not activate the e-wallet, the third party sends an e-wallet activation request to the seller. The e-wallet activation request includes verification Information, and may further include a link directly leading the seller to the location of the e-wallet activation or record related information about the activation of the e-wallet, so that the seller can perform the activation of the e-wallet through its related information, In this way, when the seller performs verification according to the e-wallet activation request, the seller will first return a response to the verification information to the third party for verification. If the third party verifies successfully, the third party The terminal is to update an electronic wallet information of the seller’s side and activate the electronic wallet; but if the third-party terminal fails to verify, the third-party terminal performs a re-verification procedure or an end procedure, wherein the re-verification procedure can be The seller is required to return the response verification information to perform related verification actions, and the termination procedure can be to restrict the seller from being unable to register for a period of time (for example, 1 day or 1 week), or when When the number of failures is too high or the time is too long, the seller can be directly invalidated through the termination procedure to prevent fraud; but if the seller has enabled the e-wallet, the third party will receive further The seller sets a product information on the communication platform, so that the third party generates the payment link corresponding to the product information on the communication platform according to the product information, so as to provide the buyer's endpoint to select the payment link, and then Corresponding to the payment request.

Wherein, the payment link mentioned above may further include a specific change password, which is generated based on the data recorded in the product information, so that the buyer needs to enter the specific change password before the payment can be made The link generates the payment request, and then performs the above-mentioned transaction actions.

Therefore, the seller can at least complete the steps of generating the payment link through the following steps:

S301: Use a third-party terminal to receive a performance transaction setting request from the seller's terminal;

S302: The third party checks whether the e-wallet is enabled on the seller's end;

S303: If the e-wallet is not enabled on the seller side, the third party sends an e-wallet activation request to the seller side;

S304: The seller performs verification according to the e-wallet activation requirements, and updates the e-wallet information on the seller to activate the e-wallet after the verification is passed;

S305: If the seller has enabled the electronic wallet, the third party receives the product information set by the seller on the communication platform;

S306: The third-party terminal generates the payment link corresponding to the product information on the communication platform according to the product information.

And when the seller performs verification according to the e-wallet activation requirements, it may further include the following steps:

S307: The seller sends back the response verification information to the third party for verification;

S308: If the third-party verification succeeds, the third-party updates the e-wallet information of the seller;

S309: If the third-party terminal fails the verification, the third-party terminal executes a re-verification procedure or ends the procedure.

Please refer to FIG. 6 again, which is a schematic flow diagram of the steps of the fraud prevention mechanism of the present invention. As shown in the figure, in order to prevent fraud or further prevent insufficient credit and unavailability of transactions, when the third party determines that the buyer is the bound user, the third party can further check the buyer’s The identity of the communication platform to confirm whether the buyer has been or is currently listed as a warning account. The warning account referred to here is not just an account that was listed as a warning by the police because of a crime. It should also include credit Accounts that are blacklisted or noted by banks due to bad credit or bankruptcy, or accounts that have recorded warnings in the database, etc. For example, when the database lists one of the buyers in the alert, it can record the buyer's bank account number, ATM payment account number, corresponding order number, communication platform identity, mobile phone number and other information to record It is imported into the database so that the third party can use the data to compare and confirm with the buyer. Therefore, the third party can at least judge whether the communication platform identity of the buyer is the alert account based on the fraud report in the police database, bank credit information, or other data recorded in the database. If the buyer is the alert account, the third party will block the buyer so that the buyer cannot obtain the payment information about the order; but if the buyer is not the alert account, the third party will block the buyer. The three-party terminal can perform the action of subsequently checking whether the payment code in the payment request has been owned by any of the buyer terminals.

In addition, when the attributable buyer is the buyer who sent the payment request or the third party returns the pending payment information to the buyer, the third party can further check the communication of the buyer Whether the platform identity has been bound to the mobile phone to facilitate subsequent SMS sending or identity verification actions, when the third party judges that the communication platform identity of the buyer side has been bound to the mobile phone and is only bound to one When a mobile phone is bound within a period (for example, 1 week or 1 month), the third party continues to use the communication platform to return the payment information created by the buyer in accordance with the payment request; and when the first When the three parties determine that the buyer has not yet bound the mobile phone, the third party sends a binding request to the buyer, so that the buyer can bind the mobile phone according to the binding request; When the three parties determine that the buyer has exchanged multiple phones during the binding period or that the phone bound by the buyer is a virtual phone on the line, in order to avoid fraud or other bad behaviors, the first The three-party terminal sends an abnormal binding message to the buyer. When it receives the abnormal binding message, it can indicate that the buyer cannot continue the subsequent transaction, or the buyer must do the same with the customer service staff. After the degree of verification procedure, the follow-up actions can be carried out.

Therefore, the fraud prevention mechanism in this embodiment can be completed at least through the following steps:

When the third party determines that the buyer is the bound user:

S401: The third party further checks whether the communication platform identity of the buyer is a warning account;

S402: If the buyer is a warning account, the third party will block the buyer;

S403: If the buyer is not an alert account, the third party performs an action of checking whether the payment code in the payment request has been owned by any buyer.

When the attributable buyer is the buyer who sent the payment request or the third party returns the pending payment information to the buyer:

S404: The third party further checks whether the communication platform identity of the buyer has performed the mobile phone binding action;

S405: When the third party judges that the buyer's communication platform identity has performed the mobile phone binding action, and the mobile phone is only bound during the binding period, the third party continues to execute the communication platform to return the buyer's establishment based on the payment request The action of the payment information;

S406: When the third party determines that the buyer has not yet bound the mobile phone, the third party sends a binding request to the buyer, so that the buyer can bind the mobile phone according to the binding request; and

S407: When the third party determines that the buyer has replaced multiple mobile phones during the binding period or that the mobile phone bound by the buyer is an online virtual phone, the third party sends an abnormal binding message to the buyer.

Please refer to FIG. 7 again, which is a schematic diagram of the steps of checking whether the buyer side has enabled the electronic wallet according to the present invention. As shown in the figure, in order to facilitate transactions between buyers and sellers, in this embodiment, the e-wallet can be used to provide the buyer and seller for money transactions, so when the payment code is not owned by any buyer , The third-party side can further check whether the buyer’s side has enabled the e-wallet (it can also be other related cash flow software that can provide buyers and sellers to conduct money transactions). If the buyer’s side has not enabled the e-wallet, the The third party sends the e-wallet activation request to the buyer, so that the buyer verifies according to the e-wallet activation request, and updates an e-wallet information of the buyer after the verification is passed to activate the e-wallet.

However, the above-mentioned e-wallet activation request received by the buyer side is the same or similar to the above-mentioned e-wallet activation request received by the seller side. The buyer leads to the link to activate the e-wallet location or records related information about activating the e-wallet, so that the buyer can use the related information to activate the e-wallet. In this way, when the buyer activates the e-wallet according to the e-wallet When verification is required, the buyer can also return the response verification information to the third party for verification. If the third party verifies successfully, it will update an e-wallet information of the buyer and activate the e-wallet; However, if the third-party end fails to verify, the third-party end will also perform the re-verification procedure or the end procedure; but if the buyer has enabled the e-wallet, the third-party end will return the pending payment Information to the buyer’s actions.

In this way, when the payment code is not attributable to any buyer, so that the present invention executes the step of checking the activation of the electronic wallet on the buyer, it can be completed at least through the following steps:

S501: The third-party terminal further checks whether the buyer's terminal has enabled an electronic wallet;

S502: If the buyer has not activated the electronic wallet, the third party sends an electronic wallet activation request to the buyer;

S503: The buyer performs verification according to the e-wallet activation request, and updates an e-wallet information of the buyer to activate the e-wallet after the verification is passed;

S504: If the buyer has enabled the electronic wallet, the third party executes the action of returning the pending payment information to the buyer.

Please refer to FIG. 8 and FIG. 9 again, which are schematic diagrams of the step flow diagram of the buyer's fast payment requirement and the seller's step flow diagram of the fast payment requirement of the present invention. As shown in the figure, in order to simplify the transaction process between the buyer and the seller, after the above verification and activation actions, the present invention can further provide the function of fast collection, so that the buyer and seller can quickly carry out subsequent transactions. When the buyer sends a quick collection request to the third party, the third party will check whether the communication platform identity of the buyer has stored a bank account information, if the communication platform identity of the buyer does not store the For bank account information, the third party receives the buyer’s input of a bank account verification code corresponding to the bank account information for verification. More specifically, when the third party checks that the buyer’s communication platform identity has not been stored When the bank account information is available, the third-party terminal can send a reminder message or a bank account verification message, etc., so that the buyer can enter a bank account verification page or its related location after receiving the relevant message. Use the information displayed on the bank account verification page to enter the bank account verification code to provide the third-party terminal for verification. When the third-party terminal performs verification, it will be sent to a verification center based on the bank account verification code. The bank account information is verified, and then a verification result generated by the verification center is received. If the bank account information is already stored in the communication platform identity of the buyer or the verification result is correct, the third-party terminal generates A buyer's collection ID code that can identify the buyer's side and the bank account information, so that the buyer's side can use the buyer's collection ID code to quickly collect payments, and vice versa, the third-party can also collect payments through the buyer The ID code quickly knows the identity of the buyer of the transaction order. In addition, when the verification result is that the verification failed, the buyer cannot obtain the buyer's payment identification code.

As shown in Figure 8, when the buyer wants to open a quick collection account, it can be achieved at least through the following steps:

S601: The buyer further sends a quick collection request to the third party;

S602: The third party receives the demand for quick collection from the buyer;

S603: The third party checks whether the buyer's communication platform identity has stored bank account information;

S604: If the buyer’s communication platform identity does not store bank account information, the third party receives the buyer’s input of the bank account verification code corresponding to the bank account information for verification;

S605: The third-party terminal sends the verification code of the bank account to the verification center to verify the bank account information;

S606: The third-party terminal receives the verification result generated by the verification center;

S607: If the buyer’s communication platform identity has stored bank account information or the verification result is correct, the third party generates a buyer’s collection ID code that can identify the buyer’s and bank account information.

In contrast, the seller can also check whether the seller’s communication platform identity has stored the bank account information through the third party when sending the quick collection request to the third party. For bank account information, the third-party terminal receives the verification code of the bank account corresponding to the bank account information entered by the seller for verification, and the third-party terminal sends the verification code to the verification center based on the bank account verification code for verification by the bank. Account data verification, and then receive the verification result generated by the verification center to determine whether the seller has completed the storage of the bank account data, and if the seller’s communication platform identity has stored the bank account data or When the verification result is correct, the third-party terminal generates a seller's collection ID code that can identify the seller's terminal and the bank account information, so that the seller's terminal can use the seller's collection ID to quickly collect payments. However, when the verification result is that the verification fails, the seller cannot obtain the seller's payment identification code.

As shown in Figure 9, when the seller wants to open a quick collection account, it can be achieved at least through the following steps:

S701: The seller further sends a quick collection request to the third party;

S702: The third party receives the demand for quick collection from the seller;

S703: The third party checks whether the seller's communication platform identity has stored bank account information;

S704: If the seller’s communication platform identity does not store bank account information, the third party receives the seller’s input of the bank account verification code corresponding to the bank account information for verification;

S705: The third-party terminal sends the verification code of the bank account to the verification center for verification of the bank account information;

S706: The third party receives the verification result generated by the verification center;

S707: If the bank account information has been stored in the communication platform identity of the seller or the verification result is correct, the third party generates a seller's collection ID code that can identify the seller and the bank account information.

Please refer to FIG. 10 again, which is a schematic diagram of the system architecture of the present invention. As shown in the figure, in order to achieve the above-mentioned transaction method, the present invention consists of at least a buyer 10 (such as the buyer’s smartphone, computer or other terminal device) and a third party 20 (such as the seller’s smart A mobile phone, computer, or other terminal device) and a seller terminal 30, which are connected to the buyer terminal 10 and the seller terminal 30 through the third party terminal 20 (such as a third-party smartphone, computer, or other terminal device) Method, and further use a communication platform 40 (such as Line, Wechat, Facebook messenger, WhatsApp or other related communication platforms or applications installed in a server) to provide the third-party terminal 20 and the buyer terminal 10 and The seller 30 conducts the above-mentioned transaction method between the two parties to verify the identity of both parties and ensure the security of payment, avoiding personal information leakage or fraud.

The disclosure in this case is a preferred embodiment, and any partial changes or modifications that are derived from the technical ideas of the case and can be easily inferred by those who are familiar with the art will not deviate from the scope of the patent right of the case.

In summary, regardless of the purpose, means, and effects of this case, it is showing its technical characteristics that are very different from conventional knowledge, and its first invention is suitable for practical use, and it is also in compliance with the patent requirements of the invention. Granting patents as soon as possible will benefit the society and feel the virtues.

10: Buyer side 20: Third party 30: Seller's side 40: Communication platform S101-S118, S201-S207, S301-S309, S401-S407, S501-S504, S601-S607, S701-S707: step flow

Figure 1 is a schematic diagram of the procedure of the buyer's payment of the present invention; FIG. 2 is a schematic diagram of the step flow diagram of another embodiment of the buyer's payment of the present invention; Figure 3 is a schematic diagram of the steps of the payment flow processing of the present invention; Figure 4 is a schematic diagram of the steps of the present invention for the seller to generate a payment link; FIG. 5 is a schematic diagram of the step flow diagram of the electronic wallet verification of the present invention; Figure 6 is a schematic diagram of the steps of the fraud prevention mechanism of the present invention; FIG. 7 is a schematic diagram of the step flow diagram of the present invention for checking whether the e-wallet is enabled on the buyer side; FIG. 8 is a schematic diagram of the step flow diagram of the buyer's fast payment demand of the present invention; FIG. 9 is a schematic diagram of the step flow diagram of the fast payment demand on the seller side of the present invention; Figure 10 is a schematic diagram of the system architecture of the present invention.

S101-S116: Step flow

Claims (28)

A transaction method using a communication platform, including: Use a third-party terminal to receive a payment request from a buyer's terminal; The third-party terminal checks whether the buyer's terminal is set as a bound user of the third-party terminal on a communication platform; If it is not the bound user, the third-party end sends a bound user request to the buyer end, so that the buyer end sets the third-party end as the bound user according to the bound user request; If it is the binding user, the third-party terminal checks whether a payment code in the payment request is owned by any of the buyer terminals; When the payment code has been owned by any buyer, the third party further checks whether the buyer is the buyer who sent the payment request; If the attribution of the buyer is not the buyer who sent the payment request, the third party will return an attribution error message to a seller; When the payment code is not owned by any of the buyers, the third party returns a pending payment information to the buyer, and makes an attribution link between the payment code and a communication platform identity of the buyer; and If the attributable buyer is the buyer who sent the payment request or the third party returns the pending payment information to the buyer, the third party uses the communication platform to return the buyer’s basis A payment information created by the payment request. For the transaction method using the communication platform as described in claim 1, when the third-party terminal receives the payment request from the buyer's terminal, it further includes: Use the third party to return a login request of the communication platform to the buyer; and The buyer logs in to the communication platform according to the login request. The transaction method using the communication platform as described in claim 1, which further includes: The buyer receives the payment information, and the buyer sets at least one payment parameter corresponding to the payment information and sends it to the third party; The third party uses the communication platform to generate a payment verification code based on the identity of the communication platform of the buyer, and sends the payment verification code to the buyer; The third party receives a buyer verification code generated by the buyer based on the payment verification code, and checks whether the buyer verification code is correct; If the buyer’s verification code is correct, the third-party terminal executes a payment flow processing process based on the payment parameters, and returns a transaction result to the buyer’s terminal; and If the buyer’s verification code is wrong, the third party will return a transaction failure message to the buyer. For the transaction method using the communication platform described in claim 3, when the third-party terminal executes the payment flow processing procedure, it further includes: The third-party terminal receives a transaction success information that meets the payment request sent from the buyer's terminal; The third-party terminal correspondingly deposits a virtual point into a temporary deposit fulfillment account in the third-party terminal according to a payment amount in the transaction success information; and The third-party terminal returns a completion information of the first-stage performance guarantee transaction to the buyer and seller. For the transaction method using the communication platform described in claim 4, when the third-party terminal returns the completion information of the first-stage performance guarantee transaction to the buyer and the seller, it further includes: According to the buyer's decision whether to agree to the content of the completion information of the first-stage performance insurance transaction; If the information on the completion of the first-stage performance insurance transaction is not agreed, the third-party terminal generates a transaction dispute information to the buyer and the seller based on the completion information of the first-stage security transaction; If you agree to the completion information of the first-stage fulfillment transaction or do not receive a reply from the buyer within a decision period, the third-party will store the corresponding temporary deposit fulfillment account according to the completion information of the first-stage fulfillment transaction The virtual points of is transferred to an e-wallet on the seller's end; and The third-party terminal returns a second-stage performance guarantee transaction completion information to the buyer and seller. The transaction method using a communication platform as described in claim 5, wherein the third-party terminal generates the transaction result based on the completion information of the first-stage performance transaction, the completion information of the second-stage performance transaction, or both . For the transaction method using a communication platform as described in claim 1, when the third party uses the communication platform to return the payment information created by the buyer according to the payment request, and an estimated payment period has elapsed, it further includes : The third party uses the communication platform to send a push payment link to the buyer. For the transaction method using the communication platform described in claim 1, when the third-party terminal judges that the buyer terminal is the bound user, it further includes: The third party further checks whether the communication platform identity of the buyer is a warning account; If the buyer is the alert account, the third party will block the buyer; and If the buyer is not the alert account, the third party performs an action of checking whether the payment code in the payment request has been owned by any buyer. For the transaction method using the communication platform described in claim 8, when the third-party terminal further checks whether the buyer’s communication platform identity is the alert account, the third-party terminal is based on fraud case notifications, bank credit information, or The information recorded in other databases determines whether the communication platform identity of the buyer is the alert account. In the transaction method using the communication platform described in claim 1, when the attributable buyer is the buyer who sent the payment request or the third party returns the pending payment information to the buyer, it further include: The third-party terminal further checks whether the communication platform identity of the buyer terminal has performed the mobile phone binding action; When the third-party terminal determines that the communication platform identity of the buyer has performed the mobile phone binding action, and only binds a mobile phone within a binding period, the third-party terminal continues to use the communication platform to return the buyer The action of the terminal based on the payment information created by the payment request; When the third party judges that the buyer has not yet bound the mobile phone, the third party sends a binding request to the buyer so that the buyer can bind the mobile phone according to the binding request; and When the third-party terminal determines that the buyer has exchanged multiple mobile phones during the binding period or that the mobile phone bound by the buyer is an online virtual mobile phone, the third-party terminal sends an abnormal binding Send a message to the buyer. For the transaction method using the communication platform as described in claim 1, when the payment code is not owned by any buyer, it further includes: The third party further checks whether the buyer has enabled an electronic wallet; If the buyer has not activated the electronic wallet, the third party sends an electronic wallet activation request to the buyer; The buyer performs verification according to the e-wallet activation request, and updates an e-wallet information of the buyer to activate the e-wallet after the verification is passed; If the buyer has enabled the e-wallet, the third party will perform the action of returning the pending payment information to the buyer. For the transaction method using the communication platform as described in claim 1, when the buyer side further sends a quick collection request to the third party side, it further includes: The third-party terminal receives the demand for quick collection from the buyer's terminal; The third party checks whether the communication platform identity of the buyer has stored a bank account information; If the communication platform identity of the buyer does not store the bank account information, the third party receives the buyer’s input of a bank account verification code corresponding to the bank account information for verification; The third-party terminal sends the verification code of the bank account to a verification center for verification of the bank account information; The third-party terminal receives a verification result generated by the verification center; and If the communication platform identity of the buyer has stored the bank account information or the verification result is correct, the third party generates a buyer's payment ID code that can identify the buyer and the bank account information. The transaction method using the communication platform as described in claim 1, which further includes: Use the third party terminal to receive a performance transaction setting request from the seller terminal; The third party checks whether an electronic wallet is enabled on the seller's end; If the seller does not activate the e-wallet, the third party sends an e-wallet activation request to the seller; The seller performs verification according to the e-wallet activation request, and updates an e-wallet information of the seller to activate the e-wallet after the verification is passed; If the seller has enabled the e-wallet, the third party receives a product information set by the seller on the communication platform; and The third-party terminal generates a payment link corresponding to the product information on the communication platform based on the product information. For the transaction method using the communication platform described in claim 13, when the seller performs verification according to the e-wallet activation requirement, it further includes: The seller sends back a response verification information to the third party for verification; If the third-party terminal is successfully verified, the third-party terminal updates the e-wallet information of the seller terminal; and If the third-party terminal fails the verification, the third-party terminal performs a re-verification procedure or an end procedure. The transaction method using the communication platform as described in claim 13, wherein the payment link includes a specific change code, and the specific change code is generated based on the data recorded in the product information. The transaction method using a communication platform as described in claim 13, wherein the buyer generates the payment request according to the payment link. For the transaction method using the communication platform as described in claim 1, when the seller side further sends a quick collection request to the third party side, it further includes: The third-party terminal receives the quick collection request from the seller's terminal; The third party checks whether a communication platform identity of the seller has stored a bank account information; If the bank account information is not stored in the communication platform identity of the seller, the third party receives a bank account verification code corresponding to the bank account information entered by the seller for verification; The third-party terminal sends the verification code of the bank account to a verification center for verification of the bank account information; The third-party terminal receives a verification result generated by the verification center; and If the bank account information has been stored in the communication platform identity of the seller or the verification result is correct, the third party generates a seller's collection ID code that can identify the seller and the bank account information. The transaction method using a communication platform as described in claim 1, wherein the payment request includes a payment code, and the third-party terminal establishes the payment information according to the payment code in the payment request. A trading system using a communication platform, which includes: A buyer side generates a payment request, the buyer side sets at least one payment parameter corresponding to the payment information based on a payment information, and then generates a corresponding buyer verification code based on a payment verification code; A third-party terminal connects with the buyer’s terminal to receive the payment request. The third-party terminal checks whether a payment code in the payment request is owned by any of the buyer’s terminals. When the payment code has been When the buyer is attributable, the third-party terminal further checks whether the attributable buyer is the buyer who sent the payment request. If the attributable buyer is not the buyer who sent the payment request, The third party returns an attribution error message to a seller. When the payment code is not owned by any of the buyer, the third party returns a pending payment information to the buyer, and the The payment code is linked to a communication platform identity of the buyer. If the buyer belongs to the buyer who sent the payment request or the third party returns the pending payment information to the buyer, The third-party terminal uses the communication platform to return the payment information created by the buyer based on the payment request. When the third-party terminal receives the payment parameters sent by the buyer, the third-party terminal corresponds to the The communication platform identity of the buyer generates the payment verification code and sends the payment verification code to the buyer. When the third party receives the buyer verification code sent by the buyer, the third party checks the buyer Whether the verification code is correct, if the buyer verification code is correct, the third party will execute a payment flow processing process according to the payment parameters and return a transaction result to the buyer. If the buyer verification code is wrong , The third party sends back a transaction failure message to the buyer; and The seller’s side is connected to the third-party side. The seller side generates a performance transaction setting request to the third-party side. The third-party side generates a corresponding product on the communication platform based on a product information of the seller side. A payment link for information. The transaction system using a communication platform as described in claim 19, wherein when the third-party terminal receives the payment request, the third-party terminal further checks whether the buyer's terminal is set as the third-party terminal's on the communication platform A binding user, if it is not the binding user, the third party sends a binding user request to the buyer, so that the buyer can set the third party as the binding according to the binding user request If the user is the bound user, the third-party terminal performs the action of checking the payment request. The transaction method using a communication platform as described in claim 19, wherein the payment request includes a payment code, and the third-party terminal establishes the payment information according to the payment code in the payment request. For the transaction system using the communication platform as described in claim 19, when the third-party terminal receives the performance transaction setting request, the third-party terminal further checks whether the seller terminal has enabled an electronic wallet, and if the seller terminal is not When the e-wallet is activated, the third party sends an e-wallet activation request to the seller, and the seller verifies according to the e-wallet activation request, and updates an e-wallet information of the seller to activate the e-wallet after the verification is passed. Electronic wallet, if the seller has enabled the electronic wallet, the third party receives the product information set by the seller on the communication platform. A transaction method using a communication platform, including: Use a third-party terminal to receive a payment request from a buyer's terminal; The third-party terminal checks whether the buyer's terminal is set as a bound user of the third-party terminal on a communication platform; If it is not the bound user, the third-party end sends a bound user request to the buyer end, so that the buyer end sets the third-party end as the bound user according to the bound user request; If it is the bound user, the third party uses the communication platform to return a payment information created by the buyer in accordance with the payment request; The buyer receives the payment information, and sets at least one payment parameter corresponding to the payment information to send to the third party; and The third party executes a payment flow processing procedure according to the payment parameters, and returns a transaction result to the buyer. For the transaction method using the communication platform described in claim 23, when the third-party terminal receives the payment request from the buyer, it further includes: Use the third party to return a login request of the communication platform to the buyer; and The buyer logs in to the communication platform according to the login request. The transaction method using a communication platform as described in claim 23, wherein the third-party terminal establishes the payment information according to a payment code in the payment request. For example, the transaction method using the communication platform described in claim 23, when the third-party terminal executes the payment flow processing procedure, it further includes: The third-party terminal receives a transaction success information that meets the payment request sent from the buyer's terminal; The third-party terminal correspondingly deposits a virtual point into a temporary deposit fulfillment account in the third-party terminal according to a payment amount in the transaction success information; and The third-party terminal returns a completion information of the first-stage performance guarantee transaction to the buyer and seller. For the transaction method using the communication platform described in claim 26, when the third-party terminal returns the completion information of the first-stage performance guarantee transaction to the buyer and the seller, it further includes: According to the buyer's decision whether to agree to the content of the completion information of the first-stage performance insurance transaction; If the information on the completion of the first-stage performance insurance transaction is not agreed, the third-party terminal generates a transaction dispute information to the buyer and the seller based on the completion information of the first-stage security transaction; If you agree to the completion information of the first-stage fulfillment transaction or do not receive a reply from the buyer within a decision period, the third-party will store the corresponding temporary deposit fulfillment account according to the completion information of the first-stage fulfillment transaction The virtual points of is transferred to an e-wallet on the seller's end; and The third-party terminal returns a second-stage performance guarantee transaction completion information to the buyer and seller. The transaction method using a communication platform as described in claim 27, wherein the third-party terminal generates the transaction result based on the completion information of the first-stage performance transaction, the completion information of the second-stage performance transaction, or both .

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