TWI773012B - 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

Trading method and trading system using communication platform

The present invention relates to the technology of communication platform transaction, in particular to a transaction method and transaction system using the communication platform, which provides the buyer and the seller to perform transaction actions on the communication platform through a third-party terminal.

With the popularity of Internet broadband, the consumption patterns of today's society have also changed, driving the development of e-commerce. The transaction mechanism of e-commerce is mainly through that consumers connect to a shopping mall platform through communication devices such as network communication or mobile communication to select commodity items on the shopping mall platform, and after completing the selection of commodity items, they can Commodity transactions are performed on the shopping mall platform, thereby completing the process of online shopping.

Since e-commerce is a transaction on the Internet, transaction security has always been one of the most important things for consumers, stores 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 between the two parties in the transaction process on the Internet. It can only protect the confidentiality of communication data between consumers and stores, but it cannot guarantee the security of the entire transaction process. The SET protocol Although the interaction process between consumers, stores, receiving banks, and card-issuing banks can be regulated in detail, the identity of the other party can be confirmed. To ensure the integrity and privacy of transaction information, but for the protection of the transaction process, there are still insufficient or imperfect parts.

Therefore, there is an urgent need for a technology that can increase the security of online transactions, thereby improving the problems existing in 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 through the buyer and sends it to a third party, and the third party executes the attribution and payment procedure-related processing operations according to the payment request, Among them, the payment request is generated according to the payment link, and the payment link is generated through the third-party terminal after the third-party terminal is set to request the performance transaction through the seller, and the third-party terminal is correspondingly generated on the communication platform according to the product information. In this way, when the buyer side When conducting transactions with the seller side, the third-party side 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 the purpose disclosed above, 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's terminal; the third-party terminal checks whether the buyer's terminal is on a communication platform. It is set as a bound user of the third-party terminal; if it is not the bound user, the third-party terminal sends a bound user request to the buyer, so that the buyer can request the third party according to the bound user request. The third-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 of the buyer's terminals; When the buyer's end belongs, the third-party end further checks whether the buyer's end is the buyer's end that sent the payment request; if the buyer's end is not the buyer's end that sent the payment request, The third-party terminal returns an attribution error message to a seller's terminal; when the payment code is not attributable to any of the buyer's terminals, the third-party terminal returns a pending payment information to the buyer's terminal, and the pay An attribution link is made between the payment code and a communication platform identity of the buyer; and if the attributable buyer is the buyer that 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 a payment information created by the buyer terminal according to the payment request.

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

Preferably, the transaction method using the communication platform further comprises: the buyer receiving the payment information, the buyer setting at least one payment parameter corresponding to the payment information, and sending it to the third party; the The third-party terminal uses the communication platform to generate a payment verification code according to the identity of the communication platform of the buyer's terminal, and sends the payment verification code to the buyer's terminal; the third-party terminal receives a payment verification code generated by the buyer's terminal according to the payment verification code. Buyer's verification code, and check whether the buyer's verification code is correct; 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; And if the buyer's verification code is wrong, the third-party terminal returns a transaction failure message to the buyer's terminal.

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

Preferably, when the third-party terminal returns the completion information of the first-stage insurance performance transaction to the buyer's terminal and the seller's terminal, it further includes: determining whether to agree to the first-phase performance according to the buyer's terminal. The content of the guarantee transaction completion information; if it does not agree with the first-stage insurance performance transaction completion information, the third-party terminal generates a transaction dispute information to the buyer and the seller according to the first-phase guarantee transaction completion information; If it agrees with the completion information of the first-stage fulfillment transaction or does not receive a reply from the buyer within a decision period, the third-party terminal stores the corresponding temporary fulfillment account according to the completion information of the first-phase fulfillment transaction The virtual points are transferred to an electronic wallet on the seller's side; and the third-party terminal sends back 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 according to the first-stage insurance fulfillment transaction completion information, the second-phase insurance fulfillment transaction completion information, or both.

Preferably, when the third-party terminal uses the communication platform to return the payment information established by the buyer's terminal according to the payment request, and an estimated payment period has passed, it further includes: the third-party terminal uses the communication platform to send the payment information. A push payment link is linked to the buyer side.

Preferably, when the third party determines that the buyer is the bound user, it further includes: the third party further checks whether the identity of the communication platform of the buyer is a warning user; if the buyer is the warning When the third-party terminal blocks the buyer's terminal; and if the buyer's terminal is not the warning user, the third-party terminal checks whether the payment code in the payment request has been owned by any of the buyer terminals Actions.

Preferably, when the third-party terminal further checks whether the identity of the communication platform of the buyer's terminal is the warning account, the third-party terminal judges the buyer according to the fraud case report, bank credit information or other data recorded in the database. Whether the identity of the communication platform on the terminal is the alert user.

Preferably, when the attributable buyer end is the buyer end that sent the payment request or the third party end returns the pending payment information to the buyer end, it further includes: the third party end further checks the Whether the identity of the communication platform on the buyer side has been bound to the mobile phone; when the third party When the terminal determines that the identity of the communication platform of the buyer has been bound to a mobile phone, and only binds a mobile phone within a binding period, the third-party terminal continues to use the communication platform to send back the payment to the buyer according to the payment. The action of requesting the established payment information; 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 is based on the binding request to bind the mobile phone; and when the third party determines that the buyer has exchanged and bound 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 message to the buyer terminal.

Preferably, when the payment code is not owned by any of the buyer's terminals, it further includes: the third-party terminal further checks whether the buyer's terminal has enabled an electronic wallet; if the buyer's terminal has not enabled 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 electronic wallet has been activated by the terminal, the third-party terminal performs the action of returning the pending payment information to the buyer terminal.

Preferably, when the buyer terminal further sends a quick payment request to the third-party terminal, it further includes: the third-party terminal receives the quick payment request from the buyer's terminal; the third-party terminal checks the buyer's terminal. 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 terminal receives a bank account verification input from the buyer side corresponding to the bank account information The third-party terminal sends the bank account verification code 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 buyer's terminal sends the communication When the platform identity has stored the bank account information or the verification result is correct, the third-party terminal generates a buyer's payment 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 contract performance transaction setting request from the seller's terminal; the third-party terminal checks whether the seller's terminal has enabled an electronic wallet; When the electronic wallet is not activated, the third party sends an electronic wallet activation request to the seller; the seller performs verification according to the electronic wallet activation request, and updates an electronic wallet information of the seller after the verification is passed. Enable the electronic wallet; if the seller has enabled the electronic wallet, the third-party terminal receives a product information set by the seller on the communication platform; and the third-party terminal uses the product information on the communication platform generates a payment link corresponding to the product information on .

Preferably, when the seller performs verification according to the e-wallet activation requirement, it further includes: the seller returns a response verification information to the third party for verification; if the third party is successful in verification, The third-party terminal updates the electronic wallet information of the seller's terminal; and if the verification of the third-party terminal fails, the third-party terminal performs a re-verification procedure or a termination procedure.

Preferably, the payment link includes a specific change password, and the specific change password is generated according to the data recorded in the product information.

Preferably, the buyer generates the payment request according to the payment link.

Preferably, when the seller terminal further sends a quick payment request to the third party terminal, it further includes: the third party terminal receives the quick payment request from the seller terminal; the third party terminal checks the seller terminal's request. Whether a communication platform identity has stored a bank account information; if the communication platform identity of the seller does not store the bank account information, the third-party terminal receives a bank account verification from the seller input corresponding to the bank account information The third-party terminal sends the bank account verification code 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 from the seller's terminal The platform identity has stored the bank When the bank account information or the verification result is correct, the third-party terminal generates a seller payment 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 establishes 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. After the payment request is generated by the buyer and sent to the third party, the third party performs attribution and payment procedures according to the payment request. The operation, in which the payment request is generated according to the payment link, and the payment link is generated through the third-party terminal according to the product information corresponding to the communication platform after the third-party terminal is set to request the performance transaction through the seller's side. In this way, when When the buyer side and the seller side conduct transactions with each other, the third-party side can effectively verify the identities of both parties and ensure the security of payment, thereby avoiding personal information leakage or fraud.

In order to achieve the other object disclosed above, 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 set according to a payment information and is related to the payment information. Corresponding at least one payment parameter, and then generate a corresponding buyer verification code according to a payment verification code; a third-party terminal, which is connected 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 of the buyer's terminals, when the payment code has been owned by any of the buyer's terminals, the third-party terminal will further check whether the attributable buyer's terminal is the one who sent the payment request On the buyer's side, if the attributable buyer's terminal is not the buyer's terminal that sent the payment request, the third-party terminal will return an attribution error message to a seller's terminal. When attribution, the third-party terminal will return a pending payment information to the buyer's terminal, and make an attribution link between the payment code and a communication platform identity of the buyer's terminal, if the attributable buyer's terminal is to send the payment request The buyer's end or the third-party end returns the pending payment information to the buyer's end When the third-party terminal uses the communication platform to return the payment information established by the buyer's terminal according to the payment request, when the third-party terminal receives the payment parameters sent by the buyer's terminal, the third-party terminal corresponds to Generate the payment verification code according to the identity of the communication platform of the buyer, and send the payment verification code to the buyer. When the third party receives the buyer verification code sent by the buyer, the third party checks Whether the buyer's verification code is correct, if the buyer's verification code is correct, the third-party terminal will execute a payment flow processing process according to the payment parameters, and return a transaction result to the buyer's terminal, if the buyer's verification code is When there is an error, the third-party terminal returns a transaction failure message to the buyer's terminal; and the seller's terminal is connected to the third-party terminal, and the seller's terminal generates a performance transaction setting request to the third-party terminal, The third-party terminal generates a payment link corresponding to the product information on the communication platform according to a product information of the seller's terminal.

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, if not the bound user. When the third party terminal sends a binding user request to the buyer terminal, so that the buyer terminal sets the third party terminal as the binding user according to the binding user request. If it is the binding user, the The third-party terminal performs the action of checking the payment request.

Preferably, 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.

Preferably, when the third-party terminal receives the performance 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 after the verification is passed, an electronic wallet information of the seller is updated to enable With the electronic wallet, if the seller has enabled the electronic wallet, the third-party terminal receives the product information set by the seller on the communication platform.

Another object of the present invention is to provide a transaction method using a communication platform. After the payment request is generated by the buyer and sent to the third party, the third party generates corresponding payment information to the buyer according to the payment request. Carry out the follow-up payment flow processing procedure, in which, the payment request is generated according to the payment link, and the payment link is set by the seller through the third-party terminal to request the third-party terminal, and the third-party terminal corresponds to the communication platform according to the product information. In this way, the third-party terminal can effectively provide the buyer's terminal and the seller's terminal to conduct transactions with each other, so as to ensure the security of payment, thereby avoiding personal information leakage or fraud.

In order to achieve a further objective disclosed above, 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's terminal; the third-party terminal checks whether the buyer's terminal is in a communication The 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 will 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's terminal according to the payment request; the buyer's terminal receives the payment information, and set at least one payment parameter corresponding to the payment information to be sent to the third-party terminal; and the third-party terminal executes a payment flow processing process according to the payment parameter, and returns a transaction result to the buyer's terminal.

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

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

When the third-party terminal executes the payment flow processing process, it further includes: the third-party terminal receives a transaction success message that is sent from the buyer's terminal and complies with the payment request; the third-party terminal is based on the transaction success information a payment amount of the third-party terminal to correspondingly deposit a virtual point into a temporary fulfillment account in the third-party terminal; and the third-party terminal returns a first-stage fulfillment transaction completion information to the buyer's terminal and the third-party terminal. Seller side.

Preferably, when the third-party terminal returns the completion information of the first-stage insurance fulfillment transaction to the buyer and the seller, it further includes: determining whether to agree to the first-phase fulfillment transaction completion information according to the buyer's terminal. If it does not agree with the completion information of the first-stage insurance performance transaction, the third-party terminal will generate a transaction dispute information to the buyer and the seller according to the first-phase performance transaction completion information; When the first-stage fulfillment transaction completion information or the buyer's response is not received within a determined period, the third-party terminal stores the corresponding virtual point in the temporary fulfillment account according to the first-phase fulfillment transaction completion information transferring the data to an electronic wallet on the seller's side; and the third-party terminal sends back 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 according to the first-stage insurance fulfillment transaction completion information, the second-phase insurance fulfillment transaction completion information, or both.

In order to make the above-mentioned objects, features and advantages of the present invention more clearly understood, the following detailed description is given in conjunction with the specific embodiments listed in the drawings.

10: Buyer side

20: Third party terminal

30: Seller side

40: Communication Platform

S101-S118, S201-S207, S301-S309, S401-S407, S501-S504, S601-S607, S701-S707: Step flow

FIG. 1 is a schematic flow chart of the steps of the buyer's payment of the present invention; FIG. 2 is a schematic flow chart of steps of another embodiment of buyer payment according to the present invention; FIG. 3 is a schematic flow chart of steps of payment cash flow processing according to the present invention; FIG. 5 is a schematic flow chart of the steps of the electronic wallet verification of the present invention; FIG. 6 is a schematic flow chart of the steps of the fraud prevention mechanism of the present invention; 8 is a schematic diagram of the step flow of the buyer's quick payment requirement of the present invention; FIG. 9 is a schematic diagram of the step flow of the seller's quick payment requirement of the present invention; FIG. 10 is a schematic diagram of the system architecture of the present invention.

The advantages, features, and technical means of achieving the present invention will be more easily understood by being described in more detail with reference to the exemplary embodiments and the accompanying drawings, and the present invention may be implemented in different forms, so it should not be construed as the present invention. It is limited only to the embodiments set forth herein. On the contrary, to those of ordinary skill in the art, the provided embodiments will make the present disclosure more thorough, complete and complete to convey the scope of the present invention, and the present invention will only be Defined by the appended claims.

Additionally, the terms "comprising" and/or "comprising" refer to the presence of stated features, regions, integers, steps, operations, elements and/or components, but do not exclude one or more other features, regions, integers, steps, operations , elements, components and/or the presence or addition of combinations thereof.

For the convenience of your reviewers to understand the content of the present invention and the effects that can be achieved, hereby describe in detail the following in conjunction with the specific embodiments enumerated in the drawings:

Please refer to FIG. 1 to FIG. 5 , which are schematic diagrams of the steps of the buyer's payment, a schematic diagram of the steps of the buyer's payment according to the present invention, a schematic diagram of the steps of the payment flow processing, The flow chart of the steps for the seller to generate the payment link and the flow chart for the verification of the electronic wallet. As shown in the figure, the present invention mainly generates a payment request through a buyer's terminal (such as the buyer's smart phone, computer or other terminal device) and sends it to a third-party terminal (such as a third-party smart phone, computer or other terminal device). other terminal devices), and the payment request here is through a payment link generated by a seller (such as the seller's smart phone, computer or other terminal device), so that the buyer can purchase the product according to the The payment link generates the corresponding payment request, and the steps of generating the payment link on the seller side will be described in the following paragraphs.

When the third party receives the payment request but the buyer is not logged into a communication platform (such as Line, Wechat, Facebook messenger, WhatsApp or other related communication platforms or applications loaded in a server, here In the embodiment, when Line is used as the communication platform for description), the third-party terminal will first return a login request for the communication platform to the buyer's terminal, so that the buyer's terminal can follow the login request. The information is directly clicked to perform the login action, or after receiving the login request through the buyer's terminal, the corresponding communication platform is activated according to the information of the login request. 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 list of bound users of the communication platform Or the background 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 , subscribers on the communication platform, or other settings that can be linked with the official account 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 set the third party as the bound user according to the bound user request; but if it is When the user is bound, the third party directly checks a payment code in the payment request sent by the buyer Whether it has been owned by any of the buyer's ends, the any of the buyer's ends referred to here includes the buyer's end that sent the payment request and the other buyer's ends that did not participate in this process, when the payment code has been assigned by any When one party belongs to the buyer, the third party will further check whether the buyer is the buyer that sent the payment request, if the buyer is not the buyer that sent the payment request , the third-party terminal will return an attribution error message to the seller's terminal, so that the seller's terminal can know that the payment code of the order is not usable by the buyer's terminal, so as to avoid the buyer's terminal and the seller's terminal. The third-party terminal will return a pending payment information (such as the relevant details of the payment confirmation to the buyer, such as the desire to Product unit price, product name, picture, watermark or transaction code, etc.) to the buyer, and the payment code is linked with the identity of the communication platform of the buyer. In this way, the payment code of the order belongs to On the buyer side, if another buyer side wants to use the payment code, the third-party side will perform the above action of returning the attribution error message to the seller side.

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

When the buyer terminal receives the payment information, the user can perform payment related procedures through the buyer terminal, so that the buyer terminal completes at least one payment parameter corresponding to the payment information (for example, the buyer's payment source related procedures) data), the buyer can send the set payment parameters 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 parameters given by the buyer The authenticity of the payment parameters, or to confirm the buyer again the identity of the terminal, the third party will use the communication platform to generate a payment verification code according to 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 When the verification code is entered, the corresponding data can be input according to the relevant information of the payment verification code, and then a buyer verification code can be generated and sent to the third-party terminal, so as to check whether the buyer verification code is correct through the third-party terminal. 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's verification code is wrong, the third-party terminal returns a transaction failure message to the buyer's terminal, wherein the transaction failure message can further record the reason for the transaction failure, so as to provide the buyer's terminal to know.

When the buyer terminal receives the payment information, the third-party terminal usually sets an estimated payment period (such as 1 day, 3 days or 1 week, etc., the period is not limited) to avoid the delay time of the order For too long, when the buyer receives the payment information, but fails to make payment and the estimated payment period has passed, the third-party uses the communication platform to send a push payment link to the buyer. The buyer side, and then reminds the buyer side that the payment should be performed.

Thus, in this embodiment, the transaction method of the present invention can be completed through at least the following steps: S101: use the third-party terminal to receive a payment request from the buyer's terminal; S102: the third-party terminal checks whether the buyer's terminal is set as a setting on the communication platform The binding user of the third-party terminal; S103: if it is not a binding user, the third-party terminal sends a binding user request to the buyer side, so that the buyer side sets the third-party terminal as the binding user according to the binding user request; S104: If it is a bound user, the third-party terminal checks whether the payment code in the payment request has been owned by any buyer terminal; S105: When the payment code has been owned by any buyer terminal, the third-party terminal will further Check whether the attributable buyer end is the buyer end that sends the payment request; S106: If the attributable buyer end is not the buyer end that sends the payment request, the third party end returns an attribution error message to the seller end; S107: When the payment is made When the code is not attributable to any buyer terminal, the third-party terminal returns the pending payment information to the buyer terminal, and links the payment code with the identity of the communication platform of the buyer terminal attribution; and S108: If the attributable buyer terminal is the sender When the buyer or the third-party end of the payment request sends back the pending payment information to the buyer's end, the third-party end uses the communication platform to return the payment information created by the buyer's end according to the payment request.

When the third-party terminal receives the payment request from the buyer's terminal, and the buyer's terminal has not yet logged into the communication platform, the following steps are further performed: S109: use the third-party terminal to send back the login request of the communication platform to the buyer's terminal; S110 : The buyer side logs in to the communication platform according to the login requirements.

In addition, when the buyer side receives the payment information, the present invention can further perform the following steps: S111: the buyer side receives the payment information, the buyer side sets at least one payment parameter corresponding to the payment information, and sends it to a third party S112: The third party uses the communication platform to generate a payment verification code according to the identity of the communication platform of the buyer, and sends the payment verification code to the buyer; S113: The third-party terminal receives the buyer's verification code generated by the buyer's terminal according to the payment verification code, and checks whether the buyer's 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 return the transaction result to the buyer side; S115: If the buyer's verification code is wrong, the third party side returns a transaction failure message to the buyer side.

However, when the buyer end receives the payment information and has not made payment within the estimated payment period, the present invention may further include the following steps: S116 : the third party end uses the communication platform to send a push payment link to the buyer end.

However, the present invention can also directly perform subsequent payment flow processing without performing attribution verification, and the payment flow processing here can also complete its payment flow processing without performing verification. 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 terminal checks whether the buyer's terminal is set as a bound user of the third-party terminal on the communication platform;

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

S117: If the user is bound, the third-party terminal uses the communication platform to return the payment information created by the buyer's terminal according to the payment request (eg, the payment code in the payment request).

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

S118: 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.

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 payment is successful at the buyer's terminal) that is sent from the buyer's terminal and conforms to the payment request, According to a payment amount in the transaction success information, the third-party terminal correspondingly deposits a virtual point into a temporary 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 can The payment amount (points) paid by the seller is deposited, and when it is determined that the transaction is completed, the corresponding amount (points) will be transferred to the temporary account of the seller, so as to achieve the purpose of performance guarantee), the third party Then, return a first-stage fulfillment 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, wherein the first The staged fulfillment transaction completion information may include the transaction progress, the transaction information, or both, the transaction progress may be displayed by graphics, charts, text, or a combination of any of these, and the transaction information may be Including the number of products, transaction content or screenshots of conversations, etc. When the communication platform provides the completion information of the first-stage insurance transaction to the buyer and the seller, it can be sent by QR code, code or other means. The buyer side and the seller side can view the content of the completion information of the first-stage fulfillment transaction through the above method.

When the buyer terminal receives the completion information of the first-stage insurance performance transaction, the buyer terminal can further decide whether to agree with the content of the first-phase insurance performance transaction completion information. If the buyer terminal does not agree with the first-stage insurance performance transaction When completing the information, the third-party terminal generates a transaction dispute information to the buyer and the seller according to the completion information of the first-stage fulfillment transaction, and further informs the relevant customer service personnel to intervene in the processing; however, if the buyer agrees The first stage fulfillment transaction completion information or within a decision period (such as informing the buyer that it should decide whether to agree to the first stage fulfillment transaction completion information within 2 days) If no reply is received from the buyer's side within the actual decision period, the third-party terminal will store the virtual account in the corresponding temporary fulfillment account according to the first-stage fulfillment transaction completion information. The points are transferred to an electronic wallet on the seller's side. At this time, the third-party terminal will send back a second-stage insurance transaction completion information to the buyer's side and the seller's side. When the buyer's side and the seller's side When the terminal receives the completion information of the second-stage insurance fulfillment transaction, it means that the transaction process of this order has been completed, so the third-party terminal can use the result of the above process to The second-stage fulfillment transaction completion information or both generates the transaction result and is sent to the buyer side, the seller side, or both.

In this way, when the third-party terminal executes the payment flow processing flow, at least the following steps can be performed to complete the payment flow processing flow: S201: the third-party terminal receives the transaction success information that is sent from the buyer terminal and conforms to the payment request; S202 : The third-party terminal stores virtual points into the temporary fulfillment account in the third-party terminal according to the payment amount in the transaction success information; S203: The third-party terminal returns the completion information of the first-stage fulfillment transaction to the buyer S204: According to the buyer’s decision whether to agree with the content of the first-stage insurance fulfillment transaction completion information; S205: If not agreeing with the first-phase fulfillment transaction completion information, the third-party terminal decides based on the first-phase fulfillment transaction completion information. Complete the information to generate transaction dispute information to the buyer and seller; S206: If the first-stage fulfillment transaction completion information is agreed or no reply is received from the buyer within the decision period, the third-party terminal will temporarily store the corresponding virtual points in the fulfillment account according to the first-phase fulfillment transaction completion information Transfer to the e-wallet of the seller; S207: The third party sends back the completion information of the second-stage insurance fulfillment transaction to the buyer and the seller.

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

Furthermore, when the seller side wants to put the relevant product on the shelf, the seller side can generate a performance transaction setting request for the product listed on the seller side to the third-party side. At this time, the third-party side will check whether the seller side An electronic wallet has been activated to facilitate subsequent transactions. If the seller has not activated the electronic wallet, the third party sends an electronic wallet activation request to the seller, and the electronic wallet activation request includes verification. information, and may further include a link that directly leads the seller to the location where the electronic wallet is activated, or records related information about enabling the electronic wallet, so that the seller can use the relevant information to perform the electronic wallet activation action, In this way, when the seller side performs verification according to the e-wallet activation request, the seller side will first return a response verification information to the third-party terminal for verification. The terminal updates an electronic wallet information on the seller side and activates the electronic wallet; but if the third-party terminal fails to verify, the third-party terminal performs a re-verification procedure or a termination procedure, wherein the re-verification procedure can be Requesting the seller to return the response verification information again to perform related verification actions, and the termination procedure can be an action that restricts the seller from being unable to register within a period (for example, 1 day or 1 week), or when If the number of failures is too high or the time is too long, the seller can be directly disabled through the termination procedure, thereby preventing fraud However, if the seller has enabled the electronic wallet, the third party will further receive a product information set by the seller on the communication platform, so that the third party can use the product information in the communication according to the product information. The payment link corresponding to the product information is generated on the platform to provide the buyer endpoint to select the payment link, and then correspondingly generate the payment request.

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

Therefore, the seller can at least complete the step of generating the payment link through the following steps: S301: Use the third party to receive a performance transaction setting request from the seller; S302: The third party checks whether the seller has enabled the electronic wallet; S303: If the seller When the electronic wallet is not enabled on the terminal, the third-party terminal sends an electronic wallet activation request to the seller; S304: the seller performs verification according to the electronic wallet activation requirement, and updates the seller's electronic wallet information to enable the electronic 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 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 electronic 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 verification fails, the third-party The end system performs the revalidation procedure or terminates the procedure.

Please refer to FIG. 6 again, which is a schematic flowchart 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 the occurrence of transactions due to insufficient credit, 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 only an account that has been listed as a warning by the police due to a crime, but also includes credit Accounts that have been blacklisted or registered by banks due to bad credit or bankrupt credit, or accounts with warnings recorded in the database, etc. For example, when the database lists one of the buyer's terminals as a warning, it can record the buyer's bank account number, ATM payment account number, the serial number of the corresponding order, the identity of the communication platform, and the mobile phone number, etc. It is imported into the database, so that the third-party terminal can use the data to compare and confirm with the buyer's terminal. Therefore, the third-party terminal can at least judge whether the identity of the communication platform of the buyer terminal is the alerting account according to the fraud report in the police database, bank credit information or other information recorded in the database. If the buyer is the warning user, 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 warning user, the third party The third-party terminal can then perform a subsequent action of checking whether the payment code in the payment request has been attributed to any of the buyer terminals.

In addition, when the attributable buyer end is the buyer end that sent the payment request or the third party end returns the pending payment information to the buyer end, the third party end can further check the purchase Whether the communication platform identity of the party side has been bound to the mobile phone to facilitate subsequent SMS sending or identity verification, when the third party determines that the communication platform identity of the buyer side has been bound to the mobile phone, and only When binding a mobile phone within a binding period (such as 1 week or 1 month), the third-party terminal continues to perform the action of using the communication platform to return the payment information created by the buyer's terminal according to the payment request; And 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 binds the mobile phone according to the binding request; However, when the third-party terminal determines that the buyer's terminal has repeatedly exchanged and bound multiple mobile phones within the binding period or that the mobile phone bound by the buyer's terminal is an online virtual mobile phone, in order to avoid fraud or other bad behaviors When the third-party terminal sends an abnormal binding message to the buyer's terminal, when it receives the abnormal binding message, it may indicate that the buyer's terminal cannot continue the subsequent transaction actions, or the buyer's terminal must go through and After the customer service staff has done a considerable degree of verification procedures, the follow-up actions can be carried out.

Therefore, the fraud prevention mechanism in this embodiment can be accomplished through at least the following steps: when the third party determines that the buyer is the bound user: S401 : the third party further checks whether the identity of the communication platform of the buyer is S402: if the buyer is the warning user, the third party will block the buyer; S403: if the buyer is not the warning user, the third party will check whether the payment code in the payment request has been The action attributed to the buyer side.

When the attributable buyer end is the buyer end that sent the payment request or the third party end returns the pending payment information to the buyer end: S404: The third party end further checks whether the communication platform identity of the buyer end has been processed Mobile phone binding action; S405: When the third-party terminal determines that the identity of the communication platform of the buyer has been bound to the mobile phone, and the mobile phone is only bound within the binding period, the third-party terminal continues to use the communication platform to send back the information created by the buyer according to the payment request. The action of receiving 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 performs the action of binding the mobile phone according to the binding request; and S407 : When the third party determines that the buyer has changed and bound 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 will send an abnormal binding message to the buyer.

Please refer to FIG. 7 again, which is a schematic flowchart 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 the transaction between buyers and sellers, in this embodiment, the electronic wallet can be used to provide the buyer and the seller for money transactions, so when the payment code is not owned by either buyer , the third-party terminal can further check whether the e-wallet is enabled on the buyer's side (it can also be other related cash flow software that can provide buyers and sellers to conduct amount transactions). The third-party terminal sends the electronic wallet activation request to the buyer terminal, so that the buyer terminal performs verification according to the electronic wallet activation request, and after the verification is passed, an electronic wallet information of the buyer terminal is updated to activate the electronic wallet.

However, the above-mentioned e-wallet activation request received by the buyer is the same as or similar to the e-wallet activation request received by the seller. It may also include verification information, and may further include directly The buyer side guides the link to enable the position of the electronic wallet or records the relevant information of enabling the electronic wallet, so that the buyer side can perform the action of enabling the electronic wallet through its related information. Thus, when the buyer side activates the electronic wallet according to the relevant information When requesting for verification, the buyer terminal can also return the response verification information to the third-party terminal for verification. When the verification is successful, the e-wallet information of the buyer is updated and the e-wallet is activated; however, if the verification of the third-party terminal fails, the third-party terminal will also execute the re-verification procedure or the termination procedure; but if the buyer When the electronic wallet has been activated by the terminal, the third-party terminal performs the action of returning the pending payment information to the buyer terminal.

In this way, when the payment code is not owned by any of the buyer's terminals, so that the present invention performs the step of checking the enabled electronic wallet of the buyer's terminal, it can be completed at least through the following steps: S501: The third-party terminal further checks whether the buyer's terminal is Activating an electronic wallet; S502: If the electronic wallet is not activated by the buyer, the third party sends an electronic wallet activation request to the buyer; S503: The buyer performs verification according to the electronic wallet activation request, and After the verification is passed, update an electronic wallet information of the buyer side to enable the electronic wallet; S504 : if the buyer side has enabled the electronic wallet, the third party performs the action of returning the pending payment information to the buyer side.

Please refer to FIG. 8 and FIG. 9 again, which are schematic flow charts of steps for quick payment requirements on the buyer's side and schematic flowcharts for steps for quick payment requirements on the seller's side of the present invention. As shown in the figure, in order to simplify the transaction process between buyers and sellers, after the above-mentioned verification and activation actions, the present invention can further provide the function of quick payment, so that the buyers and sellers can quickly conduct subsequent transactions, so when the When the buyer sends a quick payment 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 bank account information. When the bank account information is received, the third-party terminal 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 terminal checks that the communication platform identity of the buyer's terminal is not stored When the bank account information is available, the third-party terminal can issue a reminder message or a bank account verification message, etc., so that after receiving the relevant message, the buyer can enter a bank account verification page or its related location to input the bank account verification code by using the information displayed on the bank account verification page, for example , to be provided to the third-party terminal for verification, and when the third-party terminal performs verification, it will send the verification code of the bank account to a verification center for verification of the bank account information, and then receive the generated data from the verification center. If the communication platform identity of the buyer side has stored the bank account information or the verification result is correct, the third party terminal generates a buyer payment identity that can identify the buyer side and the bank account information code, so that the buyer side can use the buyer's payment ID code to perform a quick payment action. On the contrary, the third-party terminal can also quickly know the identity of the buyer side of its transaction order through the buyer's payment ID code. When the verification result is that the verification fails, the buyer cannot obtain the buyer's payment identification code.

As shown in FIG. 8 , when the buyer wants to open an account for quick payment, it can be achieved through at least the following steps: S601 : the buyer further sends a request for quick payment to the third party; S602 : the third party receives the request from the buyer S603: The third party checks whether the communication platform identity of the buyer has stored bank account information; S604: If the communication platform identity of the buyer does not store bank account information, the third party receives the input from the buyer The bank account verification code corresponding to the bank account information is verified; S605: the third-party terminal sends the bank account verification code to the verification center for verification of the bank account information; S606: the third-party terminal receives the verification result generated by the verification center; S607: If the communication platform identity of the buyer side has stored the bank account information or the verification result is correct, the third party terminal generates the buyer's payment ID code that can identify the buyer side and the bank account information.

Conversely, the seller side can also check whether the communication platform identity of the seller side has stored the bank account information through the third-party side by sending the fast payment request to the third-party side, if the bank account information is not stored. In the case of bank account information, the third-party terminal receives the bank account verification code entered by the seller's terminal for verification, and the third-party terminal will send the bank account verification code to the verification center for verification of the bank account information. Verify account information, and then receive the verification result generated by the verification center to determine whether the seller has completed the action of storing the bank account information, and if the communication platform identity of the seller has stored the bank account information or When the verification result is correct, the third-party terminal generates a seller's payment 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 payment ID code to quickly collect money, However, when the verification result is a verification failure, the seller cannot obtain the seller's payment identification code.

As shown in FIG. 9 , when the seller side wants to open an account for quick payment, it can be achieved through at least the following steps: S701 : the seller side further sends a request for quick payment to the third party; S702 : the third party receives the request from the seller S703: The third party checks whether the communication platform identity of the seller has stored bank account information; S704: If the communication platform identity of the seller does not store bank account information, the third party receives the input from the seller Verify the bank account verification code corresponding to the bank account information; S705: The third-party terminal sends the bank account verification code to the verification center to verify the bank account information; S706: The third party receives the verification result generated by the verification center; S707: If the communication platform identity of the seller has stored the bank account information or the verification result is correct, the third party generates the seller who can identify the seller and the bank account information Payment ID.

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 at least consists of a buyer's end 10 (such as the buyer's smart phone, computer or other terminal device), a third-party end 20 (such as a third-party smart phone) mobile phone, computer or other terminal device) and a seller's end 30 (such as the seller's smart phone, computer or other terminal device), so as to connect with the buyer's end 10 and the seller's end 30 through the third-party end 20 way, and further use a communication platform 40 (such as Line, Wechat, Facebook messenger, WhatsApp or other related communication platforms or applications loaded in a server) to provide the third-party terminal 20 and the buyer's terminal 10 and The above-mentioned transaction method is performed between the sellers 30 to verify the identities of both parties and ensure the security of payment, so as to avoid personal information leakage or fraud.

What is disclosed in this case is a preferred embodiment, and any partial changes or modifications that originate from the technical ideas of this case and are easily inferred by those who are familiar with the art are within the scope of the patent right of this case.

To sum up, in terms of purpose, means and efficacy, this case is showing its technical characteristics that are completely different from those of the prior art, and its first invention is suitable for practical use, and it also meets the requirements of a patent for invention. Granting a patent as soon as possible will benefit the society, and it will be a real sense of virtue.

S101-S116: Step Flow

Claims (27)

A transaction method using a communication platform, which enables a buyer, a seller, and a third-party terminal for executing a payment flow processing process to realize a transaction through a communication platform. The transaction method using the communication platform includes: the The third-party terminal receives a product information set by the seller's terminal on the communication platform, so that the third-party terminal generates a payment link corresponding to the product information on the communication platform according to the product information, so as to provide the buyer's terminal with options. The payment link generates a payment request correspondingly; the third-party terminal receives the payment request from the buyer's terminal; the third-party terminal checks the identity of the buyer's terminal on a communication platform of the communication platform, whether it is on the communication platform with the An official account of the third-party terminal is linked to each other and is set as a bound user of the third-party terminal; if it is not the bound user, the third-party terminal sends a binding user request to the buyer's terminal, so that the buyer's terminal Set the third-party terminal as the binding user according to the binding user's request; if it is the binding user, the third-party terminal checks whether a payment code in the payment request has been registered by any of the buyer's terminals. Attribution, any of the buyer's terminals includes the buyer's terminal that sent the payment request and the other buyer's terminals that did not participate in the transaction, and when checking whether the payment code has been attributable to any of the buyer's terminals, the payment code is checked. Whether an attribution link has been made with the communication platform identity of any of the buyer's ends, the attribution link makes the payment code belong to the attributable buyer's end and is dedicated to it; when the payment code is not owned by any of the buyer's ends When attribution, the third-party terminal returns a pending payment information to the buyer's terminal, and the attribution link is performed between the payment code and the communication platform identity of the buyer's terminal; When the payment code has been owned by any of the buyer's terminals, the third-party terminal further checks whether the buyer's terminal is the buyer's terminal that sent the payment request; When the buyer side of the payment request, the third-party side returns an attribution error message to the seller side, so that the seller side can know that the payment code is not available to the buyer side that sent the payment request; and if so The attributable buyer end is the buyer end that sent the payment request or the third party end returns the pending payment information to the buyer end, and the third party end uses the communication platform to return the information created according to the payment request. of a payment information to the buyer. According to 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 comprises: using the third-party terminal to return a login request of the communication platform to the buyer terminal; and the buyer terminal logs in to the communication platform according to the login request. The transaction method using a communication platform as described in claim 1, further comprising: the buyer receiving the payment information, the buyer setting at least one payment parameter corresponding to the payment information, and sending it to the third party ; The third-party terminal uses the communication platform to generate a payment verification code according to the identity of the communication platform of the buyer's terminal, and sends the payment verification code to the buyer's terminal; the third-party terminal receives the payment verification code generated by the buyer's terminal according to the payment verification code and check whether the buyer's verification code is correct; 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 a transaction result to the buyer terminal; and if the buyer's verification code is wrong, the third-party terminal returns a transaction failure message to the buyer's terminal. According to the transaction method using the communication platform as described in claim 3, when the third-party terminal executes During the payment flow processing process, it further includes: the third-party terminal receives a transaction success message that is sent from the buyer's end and conforms to the payment request; the third-party terminal corresponds to a payment amount in the transaction success message depositing a virtual point into a temporary fulfillment account in the third-party terminal; and the third-party terminal returns a first-stage fulfillment transaction completion information to the buyer and the seller. According to the transaction method using the communication platform as described in claim 4, when the third-party terminal returns the completion information of the first-stage warranty fulfillment transaction to the buyer's terminal and the seller's terminal, it further includes: determining whether or not according to the buyer's terminal Agree with the content of the first-stage compliance transaction completion information; if not agree with the first-stage compliance transaction completion information, the third party generates a transaction dispute information to the buyer based on the first-stage compliance transaction completion information If the first-stage fulfillment transaction completion information is agreed or a reply from the buyer’s side is not received within a decision period, the third-party terminal will correspond to the corresponding The virtual points stored in the temporary fulfillment account are transferred to an electronic wallet of the seller; and the third party sends back a second-stage fulfillment transaction completion information to the buyer and the seller. The transaction method using a communication platform as described in claim 5, wherein the third-party terminal generates the transaction result according to the first-stage insurance compliance transaction completion information, the second-stage insurance compliance transaction completion information, or both. . According to the transaction method using the communication platform as described in claim 1, when the third party uses the The communication platform returns the payment information created by the buyer according to the payment request, and when an estimated payment period has elapsed, the third party further includes: using the communication platform to send a push payment link to the buyer. According to the transaction method using the communication platform as described in claim 1, when the third party determines that the buyer is the bound user, it further includes: the third party further checks whether the identity of the communication platform of the buyer is a Alerting the user; if the buyer is the alerting user, the third party blocks the buyer; and if the buyer is not the alerting user, the third party checks the payment code in the payment request Whether it has been attributed to any of the buyer's actions. According to the transaction method using the communication platform as described in claim 8, when the third-party terminal further checks whether the identity of the communication platform of the buyer is the warning account, the third-party terminal will report fraud cases, bank credit information or The information recorded in other databases determines whether the identity of the communication platform of the buyer is the warning user. In the transaction method using the communication platform described in claim 1, when the buyer end that belongs to is the buyer end that sent the payment request or the third party end returns the pending payment information to the buyer end, it further Including: the third party further checks whether the communication platform identity of the buyer has been bound to the mobile phone; when the third party determines that the communication platform identity of the buyer has been bound to the mobile phone, and only after a binding When binding a mobile phone within a fixed period, the third-party terminal continues to perform the action of using the communication platform to return the payment information created by the buyer's terminal according to the payment request; when the third-party terminal determines that the buyer's terminal has not been bound When the mobile phone is used, the third-party terminal sends A binding request is given to the buyer, so that the buyer performs the action of binding the mobile phone according to the binding request; and when the third party determines that the buyer has changed the binding multiple times within the binding period When the mobile phone or the mobile phone bound to the buyer's end is an online virtual mobile phone, the third-party end sends an abnormal binding message to the buyer's end. According to the transaction method using the communication platform as described in claim 1, when the payment code is not owned by any of the buyer's terminals, it further includes: the third-party terminal further checks whether the buyer's terminal has enabled an electronic wallet; When the buyer side does not activate the electronic wallet, the third party sends an electronic wallet activation request to the buyer side; the buyer side verifies according to the electronic wallet activation request, and updates an electronic wallet of the buyer side after the verification is passed information to activate the electronic wallet; if the buyer has activated the electronic wallet, the third party executes the action of returning the pending payment information to the buyer. According to the transaction method using the communication platform as described in claim 1, when the buyer side further sends a quick payment request to the third party terminal, it further includes: the third party terminal receives the quick payment from the buyer side demand; the third-party terminal checks whether the communication platform identity of the buyer side 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 terminal receives the input from the buyer side Verify a bank account verification code of the bank account information; the third-party terminal sends the bank account verification code to a verification center to verify 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's terminal has stored the bank account information or the verification result is correct, the third-party terminal generates a verification result that can identify the buyer's terminal and a buyer's billing ID for the bank account information. The transaction method using a communication platform as described in claim 1, further comprising: using the third-party terminal to receive a contract performance transaction setting request from the seller's terminal; the third-party terminal checking whether the seller's terminal has enabled an electronic wallet; When the seller does not activate the electronic wallet, the third party sends an electronic wallet activation request to the seller; the seller performs verification according to the electronic wallet activation request, and updates an electronic wallet of the seller after the verification is passed information to activate the electronic wallet; if the seller has activated the electronic wallet, the third-party terminal receives the product information set by the seller on the communication platform to generate a message corresponding to the product information on the communication platform The payment link. According to the transaction method using the communication platform described in claim 13, when the seller performs verification according to the electronic wallet activation request, it further includes: the seller returns a response verification information to the third party for verification ; If the verification of the third-party terminal is successful, the third-party terminal updates the electronic wallet information of the seller's terminal; and if the verification of the third-party terminal fails, the third-party terminal performs a re-verification procedure or a termination procedure. The transaction method using a communication platform as described in claim 13, wherein the payment link includes a specific change password, and the specific change password is generated according to the data recorded in the product information. According to the transaction method using the communication platform as described in claim 1, when the seller terminal further sends a quick payment request to the third party terminal, it further includes: the third party terminal receives the quick payment from the seller terminal demand; the third party checks whether a communication platform identity of the seller has stored a bank account information; if the communication platform identity of the seller does not store the bank account information, the third party receives the input from the seller Verify a bank account verification code of the bank account information; the third-party terminal sends the bank account verification code to a verification center for verification of the bank account information; the third-party terminal receives a verification center generated by the verification center. the verification result; and if the communication platform identity of the seller has stored the bank account information or the verification result is correct, the third party generates a seller payment 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 third-party terminal establishes the payment information according to the payment code in the payment request. A transaction system utilizing a communication platform, which utilizes a communication platform to realize a transaction, comprising: a seller end connected to the communication platform and setting a product information on the communication platform; a third party end connected to the communication platform A communication platform, used to execute a payment flow processing process, the third-party terminal receives the product information set by the seller's terminal on the communication platform, so that the third-party terminal generates a corresponding response on the communication platform according to the product information a payment link for product information; and A buyer's terminal is connected to the communication platform, and clicks the payment link to generate a payment request; wherein, the third-party terminal receives the payment request; the third-party terminal checks a communication of the buyer's terminal on the communication platform Platform identity, whether it is linked with an official account of the third-party terminal on the communication platform and is set as a bound user of the third-party terminal; if not, the third-party terminal sends a binding The user requests to the buyer side, so that the buyer side sets the third-party terminal as the bound user according to the binding user request; if it is the bound user, the third-party terminal checks an item in the payment request. Whether the payment code has been owned by any of the buyer's terminals, any of the buyer's terminals includes the buyer's terminal that sent the payment request and the other buyer's terminals that did not participate in the transaction, and the third-party terminal checks whether the payment code has been When attributed by any of the buyer's ends, it is checked whether the payment code has been linked to a communication platform identity of any of the buyer's ends, and the attribution link makes the payment code belong to the attributable buyer's end and its When the payment code is not attributable to any of the buyer's terminals, the third-party terminal returns a pending payment information to the buyer's terminal, and the attribution is performed between the payment code and the communication platform identity of the buyer's terminal. link; when the payment code has been attributable to any of the buyer's terminals, the third-party terminal further checks whether the attributable buyer's terminal is the buyer's terminal that sent the payment request; if the attributable buyer's terminal is not the buyer's terminal When sending the payment request to the buyer, the third party returns an attribution error message to a seller, so that the seller can know that the payment code is not available to the buyer that sent the payment request; and If the attributable buyer is the buyer who sent the payment request or the third party When the party end returns the information to be paid to the buyer end, the third party end uses the communication platform to return a payment information created by the buyer end according to the payment request. The transaction system using a communication platform as described in claim 18, wherein: the buyer's end sets at least one payment parameter corresponding to the payment information according to the payment information; and the third-party end receives the message sent by the buyer's end When the payment parameters are used, the third-party terminal generates a payment verification code corresponding to the communication platform identity of the buyer terminal, and sends the payment verification code to the buyer terminal, so that the buyer terminal generates a corresponding payment verification code according to the payment verification code. Buyer verification code, when the third-party terminal receives the buyer's verification code sent by the buyer's terminal, the third-party terminal checks whether the buyer's verification code is correct, if the buyer's verification code is correct, the third-party terminal The payment parameter executes the payment flow processing process, and returns a transaction result to the buyer side. If the buyer's verification code is incorrect, the third-party side returns a transaction failure message to the buyer side. The transaction method using a communication platform as described in claim 18, wherein: when the third party determines that the buyer is the bound user, the third party further checks whether the identity of the communication platform of the buyer is a warning user , if the buyer terminal is the warning user, the third party terminal blocks the buyer terminal. The transaction system using a communication platform as described in claim 18, wherein the seller side generates a performance transaction setting request to the third-party terminal, and when the third-party terminal receives the performance transaction setting request, the third-party terminal Further check whether the seller side has enabled an electronic wallet, if the seller side has not enabled the electronic wallet, the third-party terminal sends an electronic wallet activation request to the seller side, and the seller side performs verification according to the electronic wallet activation request , and update an electronic wallet information of the seller to enable the electronic wallet after the verification is passed. If the seller has activated the electronic wallet, the third party receives the The product information set by the seller on the communication platform. A transaction method using a communication platform, which enables a buyer, a seller, and a third-party terminal for executing a payment flow processing process to realize a transaction through a communication platform. The transaction method using the communication platform includes: the The third-party terminal receives a product information set by the seller's terminal on the communication platform, so that the third-party terminal generates a payment link corresponding to the product information on the communication platform according to the product information, so as to provide the buyer's terminal with options. The payment link generates a payment request correspondingly; the third-party terminal receives the payment request from the buyer's terminal; the third-party terminal checks the identity of the buyer's terminal on a communication platform of the communication platform, whether it is on the communication platform with the An official account of the third-party terminal is linked to each other and is set as a bound user of the third-party terminal; if it is not the bound user, the third-party terminal sends a binding user request to the buyer's terminal, so that the buyer's terminal Set the third-party terminal as the binding user according to the binding user requirements; if it is the binding user, the third-party terminal checks whether a payment code in the payment request has been The communication platform identity of the buyer side performs an attribution link so that the payment code is dedicated to the buyer side with the identity of the communication platform; if the payment code has been attributed to the buyer side not sending the payment request, the third party The end returns an attribution error message to the seller end, so that the seller end can know that the payment code is not available to the buyer end that sent the payment request; the buyer's end, the third-party end uses the communication platform to return a payment information created according to the payment request to the buyer's end; The buyer terminal receives the payment information, and sets at least one payment parameter corresponding to the payment information to send to the third-party terminal; and the third-party terminal executes the payment flow processing process according to the payment parameter, and returns a transaction The result is on the buyer's side. According to the transaction method using the communication platform as described in claim 22, when the third-party terminal receives the payment request from the buyer's terminal, it further comprises: using the third-party terminal to send back a login request of the communication platform to the buyer terminal; and the buyer terminal logs in to the communication platform according to the login request. The transaction method using a communication platform as described in claim 22, wherein the third-party terminal creates the payment information according to a payment code in the payment request. According to the transaction method using the communication platform described in claim 22, when the third-party terminal executes the payment flow processing process, it further includes: the third-party terminal receives a payment request sent from the buyer's terminal that matches the payment request. transaction success information; the third-party terminal correspondingly deposits a virtual point into a temporary fulfillment account in the third-party terminal according to a payment amount in the transaction-success information; and the third-party terminal returns a The first-stage fulfillment transaction completion information is sent to the buyer and the seller. According to the transaction method using the communication platform as described in claim 25, when the third-party terminal returns the completion information of the first-stage guarantee performance transaction to the buyer's terminal and the seller's terminal, it further includes: determining whether to Agree with the content of the first-stage compliance transaction completion information; if not agree with the first-stage compliance transaction completion information, the third party generates a transaction dispute information to the buyer based on the first-stage compliance transaction completion information end and the If the seller side agrees with the completion information of the first-stage insurance fulfillment transaction or does not receive a reply from the buyer side within a certain period of time, the third-party terminal will The virtual points stored in the insurance account are transferred to an electronic wallet on the seller's side; and the third-party terminal sends back a second-stage insurance transaction completion information to the buyer's side and the seller's side. The transaction method using a communication platform as described in claim 26, wherein the third-party terminal generates the transaction result according to the first-stage insurance compliance transaction completion information, the second-stage insurance compliance transaction completion information, or both. .

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