WO2014146228A1 - Paying method and system by using network - Google Patents

Paying method and system by using network Download PDF

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Publication number
WO2014146228A1
WO2014146228A1 PCT/CN2013/072794 CN2013072794W WO2014146228A1 WO 2014146228 A1 WO2014146228 A1 WO 2014146228A1 CN 2013072794 W CN2013072794 W CN 2013072794W WO 2014146228 A1 WO2014146228 A1 WO 2014146228A1
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WO
WIPO (PCT)
Prior art keywords
payment
server
information
type
payee
Prior art date
Application number
PCT/CN2013/072794
Other languages
French (fr)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CN201380001549.6A priority Critical patent/CN103827903A/en
Priority to PCT/CN2013/072794 priority patent/WO2014146228A1/en
Publication of WO2014146228A1 publication Critical patent/WO2014146228A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a method and system for utilizing network payment. Background technique
  • E-commerce has become more and more widely used in various commercial trade activities.
  • the so-called e-commerce refers to the realization of online shopping for consumers in commercial and trade activities, in the open Internet environment, based on browser and server applications.
  • e-commerce refers to the realization of online shopping for consumers in commercial and trade activities, in the open Internet environment, based on browser and server applications.
  • the credit bottleneck in the settlement process of online electronic payment is always an obstacle in the development of e-commerce (network transaction).
  • the form of the third party payment company guarantee is less risky.
  • the funds are already paid to the third-party payment company when the goods are not received.
  • the buyer’s customer’s funds are There is no guarantee, therefore, in the form of a third-party payment company guarantee, the risk of the buyer's customer is still relatively large.
  • the present invention is implemented in such a manner that a method of utilizing network payment includes:
  • the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information;
  • the second type of bank server sends the payee account information to the first type of bank server; the payee can send a payment request to the first type of bank server through the network payment server; the first type of bank server receives the payment request, according to the payment request payment.
  • the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank according to the name of the receiving bank in the payee account information.
  • the server also includes: The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server;
  • the first type of bank server After receiving the payment request instruction, the first type of bank server generates a valid committed payment information data packet, and sends the committed payment information data packet to the network payment server;
  • the network payment server transmits the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
  • the method further includes:
  • the network payment server notifies the payee that the goods can be shipped, and the payee sends the shipped information to the first type of bank server through the network payment server;
  • the logistics server sends the bill of lading information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status, and the first type of bank server will sign the receipt.
  • the status of the promised payment information packet is fed back to the network payment server.
  • the payee may send a payment request to the first type of bank server through the network payment server, specifically:
  • the payee may send a payment request to the first type of bank server through the network payment server.
  • the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank according to the name of the receiving bank in the payee account information.
  • the server Before the server, it also includes:
  • the network payment server generates the number of the promised payment information packet and stores the number of the generated committed payment information packet in the database.
  • the promised payment information data packet includes an amount of frozen funds, frozen account information and status information.
  • the number of the promised payment information data packet includes payment bank name information, payment amount, and payer information.
  • a network payment server connected to the first type of bank server and the second type of bank server, for receiving the payee account information sent from the payee, according to the receipt in the payee account information a bank name, the payee account information is sent to the second type of bank server; and is further configured to send a payment request to the first type of bank server;
  • a first type of bank server configured to receive the payee account information sent from a second type of bank server; further configured to receive the payment request sent from a network payment server, and request payment according to the payment request;
  • a second type of bank server configured to receive the payee account information sent from the network payment server, and send the payee account information to the first type of bank server.
  • More excellent also includes:
  • the network payment server is further configured to receive a payment request instruction, and send the payment request instruction to the first type of bank server; and to receive the promised payment information data packet sent from the first type of bank server, and the promised payment The information data packet is sent to the first type of client terminal;
  • the first type of bank server is further configured to receive the payment request instruction, generate a valid commitment payment information data packet, and send the data packet to the network payment server;
  • the first type of client terminal is configured to receive the committed payment information data packet and forward the data to the second type of client terminal.
  • More excellent also includes:
  • the network payment server is connected to the second client terminal, and is further configured to notify the payee that the goods can be shipped through the second client terminal, receive the shipped information sent from the second client terminal, and send the shipped information Receiving, by the first type of bank server, the receipt information of the waybill sent from the logistics server, and transmitting the signed receipt information to the first type of bank server;
  • a second client terminal configured to receive, by the network payment server, information that the payment recipient can deliver, and send the shipped information to the network payment server;
  • a logistics server connected to the network payment server, configured to send the bill of lading information to the network payment server;
  • the first type of bank server is further configured to receive the shipped information and the billed receipt information, update the status of the promised payment information packet, and feed back the committed payment information packet of the signed status to the network payment. server.
  • More excellent also includes:
  • the second client terminal is further configured to send a payment request to the network payment server;
  • the network payment server is further configured to send the payment request to the first type of bank server. More excellent, also includes:
  • the promised payment information data packet includes an amount of frozen funds, frozen account information and status information.
  • the number of the promised payment information data packet includes payment bank name information, payment amount, and payer information.
  • the network payment method and system provided by the present invention only freezes the funds for the buyer, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer's customers.
  • FIG. 1 is a schematic structural diagram of a system for utilizing network payment according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of another embodiment of a system for utilizing network payment according to the present invention
  • FIG. 3 is a schematic flowchart of a method for utilizing network payment according to an embodiment of the present invention
  • FIG. 4 is a schematic flow chart of another embodiment of a method for utilizing network payment according to the present invention.
  • FIG. 5 is a flow chart of still another embodiment of a method for utilizing network payment according to the present invention.
  • FIG. 1 a schematic structural diagram of a system for utilizing network payment according to an embodiment of the present invention, which includes:
  • the network payment server 101 is connected to the first type of bank server 102 and the second type of bank server 103 for receiving the payee account information sent from the payee, according to the name of the receiving bank in the payee account information. Transmitting the payee account information to the second type of bank server 103; The first type of bank server 102 sends a payment request.
  • the first type of bank server 102 is configured to receive the payee account information transmitted from the second type of bank server 103; and is further configured to receive a payment request sent from the network payment server 101, and pay according to the payment request.
  • the second type of bank server 103 is configured to receive the payee account information transmitted from the network payment server 101, and transmit the payee account information to the first type of bank server 102.
  • FIG. 2 another structural diagram of a system for utilizing network payment according to an embodiment of the present invention shown in FIG. 2 includes:
  • the network payment server 201 is connected to the first type bank server 202, the second type bank server 203, the first client terminal 204, and the second client terminal 205 to the logistics server 206 for receiving the payment from the payee.
  • the account information of the person, the payee account information is sent to the second type of bank server 203 according to the name of the receiving bank in the payee account information; and is further used for sending a payment request to the first type of bank server 202; And receiving the payment request instruction, and sending the payment request instruction to the first type of bank server 202; and receiving the promised payment information data packet sent from the first type of bank server 202, and sending the promised payment information data packet to
  • the first type client terminal 204 is further configured to notify the payee that the shipment can be shipped through the second client terminal 205, receive the shipped information sent from the second client terminal 205, and send the shipped information to the first
  • the type bank server 202 receives the billed receipt information sent from the logistics server 206 or the first client terminal 204, and the way
  • the network payment server 201 is further configured to generate a number of the committed payment information data packet, and store the generated number of the promised payment information data packet in the database.
  • the network payment server 201 is further configured to receive the payee account information sent from the second client terminal 205, and transmit the payer account information to the second type of bank server 203.
  • the first type of bank server 202 is configured to receive the payee account information sent from the second type of bank server 203; and is further configured to receive a payment request sent from the network payment server 201, and pay according to the payment request; Request an instruction to generate a valid committed payment information packet, send
  • the network payment server 201 is further configured to receive the shipped information and the billing signed information, update the committed payment information data packet status, and feed back the signed payment commitment information data packet to the network payment server 201.
  • the second type of bank server 203 is configured to receive the payee account information sent from the network payment server 201, and transmit the payee account information to the first type of bank server 202.
  • the first type of client terminal 204 is configured to receive the committed payment information data packet and forward it to the second type client terminal 205.
  • the second type client terminal 205 is configured to receive the information that is sent from the network payment server 201 to notify the payee of the shipment, and send the shipped information to the network payment server 201; and is further configured to send the payment request to the network payment server 201.
  • the payment request is sent to the network payment server 201 when the status information in the commitment payment information packet becomes the signed status.
  • the logistics server 206 is configured to send the bill of lading information to the network payment server 201.
  • the first customer terminal can send the bill of lading information to the logistics server 206.
  • the first client terminal 204 can also send the waybill signed information to the network payment server 201 instead of the logistics server 206.
  • FIG. 3 a schematic flowchart of a method for using network payment according to an embodiment of the present invention, including:
  • Step S301 The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information.
  • Step S302 The second type of bank server sends the payee account information to the first type of bank server.
  • Step S303 The payee can send a payment request to the first type of bank server through the network payment server.
  • Step S304 The first type of bank server receives the payment request, and pays according to the payment request.
  • the online payment method provided by the present invention is only for the buyer to freeze the funds, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer's customers.
  • FIG. 4 A flow diagram of another embodiment of a method for utilizing network payment according to the present invention, which is shown in FIG. 4, the method steps include:
  • Step S401 The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server according to the payment bank name.
  • the payment request instruction includes a payment bank name and amount information.
  • Step S402 After receiving the payment request instruction, the first type of bank server generates a valid commitment payment information data packet, and sends the committed payment information data packet to the network payment server.
  • the valid promised payment information data packet includes the amount of frozen funds, frozen account information and status information; and may also include currency information, account bank information, issue date, validity period information, and the like.
  • Step S403 The network payment server sends the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
  • Step S404 The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information.
  • the payee may send the number in the promised payment information packet and the payee account information to the network payment server through the second type client terminal, and the second type client terminal may be a smart device such as a mobile phone, a personal computer, or a PAD. .
  • the payee and the payee can be the same subject or different subjects.
  • Step S405 The second type of bank server sends the payee account information to the first type of bank server.
  • Step S406 The network payment server notifies the payee that the goods are delivered, and the payee sends the shipped information to the first type of bank server through the network payment server.
  • Step S407 The logistics server sends the billing received information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status.
  • the first type of bank server feeds back the promised payment information data packet in the signed state to the network payment server.
  • Step S408 After the status information in the promised payment information data packet is the signed status, the payee may send a payment request to the first type of bank server through the network payment server.
  • Step S409 The first type of bank server thaws the frozen funds and transfers the funds to the second type of bank server.
  • the online payment method provided by the present invention is only for the buyer to freeze the funds, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer and the customer.
  • FIG. 5 A flow diagram of still another embodiment of a method for utilizing network payment according to the present invention shown in FIG. 5, the method steps comprising:
  • Step S501 The payer sends a payment request instruction to the network payment server through the first type client terminal, where the payment request instruction includes the payment bank name and the payment amount information.
  • the first type of client terminal includes a smart device such as a mobile phone, a personal computer, or a PAD.
  • Step S502 The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server according to the payment bank name.
  • Step S503 The first type of bank server receives the payment request instruction and receives the account information provided by the payer.
  • Step S504 The first type of bank server reviews the account information. If the account information is correct, the process proceeds to step S505. If the account information is incorrect, an error message is returned to the network payment server.
  • Step S505 Freeze the account and the amount on the account, generate a valid committed payment information data packet, and send the audit pass information to the network payment server.
  • the promised payment information data package includes the amount of frozen funds, frozen account information, and status information.
  • the status information is the signed status.
  • Step S506 The network payment server receives the audit pass information, generates a number of the promised payment information data packet, and stores the generated number of the promised payment information data packet in the database.
  • the number of the promised payment information data packet is an indication of the promised payment information data packet.
  • the number of the promised payment information data packet can be "China Merchants Bank Bank Letter*500.00RMB*Zhangsan", in which China Merchants Bank is the name of the payment bank, the bank letter is the name of the package, 500.00RMB is the payment amount, Zhang Sanwei Payer information, which can be freely combined by the above information.
  • Step S507 The first type of bank server sends the promised payment information data packet to the network payment service Server.
  • Step S508 The network payment server sends the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
  • Step S509 The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type bank server according to the name of the payee bank in the payee account information;
  • the payee can send the number in the promised payment information packet and the payee account information to the network payment server through the second type of client terminal, and the second type of client terminal can be a smart device such as a mobile phone, a personal computer, or a PAD.
  • the payee and the payee can be the same subject or different subjects.
  • the payee account information includes the name of the receiving bank, the information of the receiving account, and the like.
  • Step S510 The second type of bank server reviews the payee account information. If the account information is correct, the process proceeds to step S511. If the account information is incorrect, an error message is returned to the network payment server.
  • Step S511 The second type of bank server sends the payee account information to the first type of bank server.
  • Step S512 The first type of bank server updates the status information of the promised payment information packet, and the status information is the specified payee status.
  • Step S513 The network payment server notifies the payee that the goods can be shipped, and the payee sends the shipped information to the first type of bank server through the network payment server.
  • Step S514 The first type of bank server updates the status information of the committed payment information data packet according to the shipped information, and the status information is the delivered status.
  • Step S515 The logistics system sends the waybill signed information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status.
  • the first type of bank server feeds back the promised payment information packet of the signed status to the network payment server.
  • Step S516 The payee can send a payment request to the first type of bank server through the network payment server.
  • the network payment server when the network payment server receives the promised payment information data packet in the signed state, the network payment server can support the first type of bank server to send the payment request.
  • Step S517 The first type of bank server thaws the frozen funds and transfers the funds to the second type of bank server.
  • the network payment method provided by the present invention is only for the buyer If the funds are frozen, it is not necessary to pay the funds out, which can reduce the risk of funds and protect the interests of the buyers and customers.
  • the present invention can be implemented by means of software plus a necessary hardware platform, and of course, all can be implemented by hardware.
  • all or part of the technical solution of the present invention contributing to the background art may be embodied in the form of a software product, which may be stored in a storage medium such as a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • a number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods described in various embodiments of the present invention or portions of the embodiments.

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Abstract

A paying method using a network, comprising: a network paying server receiving payee account number information sent from a payee, and sending the payee account number information to a second type bank server in accordance with a due bank name in the payee account number information; the second type bank server sending the payee account number information to a first type bank server; the payee being capable of sending a paying request to the first type bank server through the network paying server; and the first type bank server receiving the paying request and paying in accordance with the paying request. Also disclosed is a paying system by using a network.

Description

一种利用网络支付的方法及系统 技术领域  Method and system for utilizing network payment
本发明涉及电子商务领域， 尤其涉及一种利用网络支付的方法及系统。 背景技术  The present invention relates to the field of electronic commerce, and in particular, to a method and system for utilizing network payment. Background technique
电子商务已经越来越广泛地应用于各种商业贸易活动中， 所谓电子商务是 指在商业贸易活动中， 在因特网开放的网络环境下， 基于浏览器及服务器应用 方式， 实现消费者的网上购物、 商户之间的网上交易和在线电子支付以及各种 商务活动、 交易活动、 金融活动和相关的综合服务活动的一种商业运营模式。  E-commerce has become more and more widely used in various commercial trade activities. The so-called e-commerce refers to the realization of online shopping for consumers in commercial and trade activities, in the open Internet environment, based on browser and server applications. , a business operation model between online transactions and online electronic payments between merchants and various business activities, trading activities, financial activities and related integrated service activities.
现在， 在线电子支付（网络支付） 的结算过程中的信用瓶颈始终是电子商 务（网络交易）发展进程中的障碍性问题。 目前的在线电子支付方式中， 以第 三方支付公司担保的形式是风险较小的。 但是， 采用第三方支付公司担保的形 式， 对买家客户来说， 在未收到商品时其资金就已经支付到第三方支付公司， 一旦第三方支付公司出现问题， 买家客户的资金就得不到保障， 因此， 采用第 三方支付公司担保的形式， 买家客户的资金风险仍然是比较大的。 发明内容  Now, the credit bottleneck in the settlement process of online electronic payment (network payment) is always an obstacle in the development of e-commerce (network transaction). In the current online electronic payment method, the form of the third party payment company guarantee is less risky. However, in the form of a third-party payment company guarantee, for the buyer customer, the funds are already paid to the third-party payment company when the goods are not received. Once the third-party payment company has problems, the buyer’s customer’s funds are There is no guarantee, therefore, in the form of a third-party payment company guarantee, the risk of the buyer's customer is still relatively large. Summary of the invention
本发明的目的在于提供一种利用网络支付方法及系统， 旨在解决现有网络 支付中存在的买家客户的资金风险较大的问题。  It is an object of the present invention to provide a method and system for utilizing a network payment, which aims to solve the problem of large capital risk of buyer customers existing in existing network payment.
本发明是这样实现的， 一种利用网络支付的方法， 包括：  The present invention is implemented in such a manner that a method of utilizing network payment includes:
网络支付服务器接收从收款方处发来的收款人账户信息， 根据收款人账户 信息中的收款银行名称， 将收款人账户信息发送给第二类型银行服务器；  The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information;
第二类型银行服务器将收款人账户信息发送给第一类型银行服务器； 收款方可以通过网络支付服务器向第一类型银行服务器发送付款请求； 第一类型银行服务器接收付款请求， 根据该付款请求付款。  The second type of bank server sends the payee account information to the first type of bank server; the payee can send a payment request to the first type of bank server through the network payment server; the first type of bank server receives the payment request, according to the payment request payment.
较优的， 在所述网络支付服务器接收从收款方处发来的收款人账户信息， 根据收款人账户信息中的收款银行名称， 将收款人账户信息发送给第二类型银 行服务器之前， 还包括： 网络支付服务器接收支付请求指令， 并将所述支付请求指令发给第一类型 银行服务器； Preferably, the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank according to the name of the receiving bank in the payee account information. Before the server, it also includes: The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server;
第一类型银行服务器接收所述支付请求指令后， 生成有效的承诺付款信息 数据包， 并将所述承诺付款信息数据包发送给网络支付服务器；  After receiving the payment request instruction, the first type of bank server generates a valid committed payment information data packet, and sends the committed payment information data packet to the network payment server;
网络支付服务器将所述承诺付款信息数据包发送给付款方， 付款方将所述 承诺付款信息数据包转发给收款方。  The network payment server transmits the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
较优的， 在所述第二类型银行服务器将收款人账户信息发送给第一类型银 行服务器之后， 还包括：  Preferably, after the second type of bank server sends the payee account information to the first type of bank server, the method further includes:
网络支付服务器通知收款方可发货， 收款方通过网络支付服务器向第一类 型银行服务器发送已发货信息；  The network payment server notifies the payee that the goods can be shipped, and the payee sends the shipped information to the first type of bank server through the network payment server;
物流服务器通过网络支付服务器向第一类型银行服务器发送运单已签收信 息， 第一类型银行服务器更新承诺付款信息数据包的状态信息， 此时状态信息 为已签收状态， 第一类型银行服务器将已签收状态的承诺付款信息数据包反馈 给网络支付服务器。  The logistics server sends the bill of lading information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status, and the first type of bank server will sign the receipt. The status of the promised payment information packet is fed back to the network payment server.
较优的， 所述收款方可以通过网络支付服务器向第一类型银行服务器发送 付款请求， 具体为：  Preferably, the payee may send a payment request to the first type of bank server through the network payment server, specifically:
当所述承诺付款信息数据包中状态信息为已签收状态后， 收款方可以通过 网络支付服务器向第一类型银行服务器发送付款请求。  After the status information in the promised payment information packet is the signed status, the payee may send a payment request to the first type of bank server through the network payment server.
较优的， 在所述网络支付服务器接收从收款方处发来的收款人账户信息， 根据收款人账户信息中的收款银行名称， 将收款人账户信息发送给第二类型银 行服务器之前， 还包括：  Preferably, the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank according to the name of the receiving bank in the payee account information. Before the server, it also includes:
网络支付服务器生成承诺付款信息数据包的编号， 并将生成的承诺付款信 息数据包的编号存储在数据库中。  The network payment server generates the number of the promised payment information packet and stores the number of the generated committed payment information packet in the database.
较优的， 所述承诺付款信息数据包包括冻结资金的金额， 冻结的账户信息 及状态信息。  Preferably, the promised payment information data packet includes an amount of frozen funds, frozen account information and status information.
较优的， 所述承诺付款信息数据包的编号包括付款银行名称信息， 支付金 额， 付款人信息。  Preferably, the number of the promised payment information data packet includes payment bank name information, payment amount, and payer information.
本发明的又一目的在于提供一种利用网络支付的系统， 包括：  It is still another object of the present invention to provide a system for utilizing network payment, including:
网络支付服务器， 与第一类型银行服务器和第二类型银行服务器相连， 用 于接收从收款方处发来的收款人账户信息， 根据所述收款人账户信息中的收款 银行名称， 将所述收款人账户信息发送给第二类型银行服务器； 还用于向第一 类型银行服务器发送付款请求； a network payment server, connected to the first type of bank server and the second type of bank server, for receiving the payee account information sent from the payee, according to the receipt in the payee account information a bank name, the payee account information is sent to the second type of bank server; and is further configured to send a payment request to the first type of bank server;
第一类型银行服务器， 用于接收从第二类型银行服务器发送的所述收款人 账户信息； 还用于接收从网络支付服务器发送的所述付款请求， 根据该付款请 求付款；  a first type of bank server, configured to receive the payee account information sent from a second type of bank server; further configured to receive the payment request sent from a network payment server, and request payment according to the payment request;
第二类型银行服务器， 用于接收从网络支付服务器发送的所述收款人账户 信息， 并将所述收款人账户信息发送给第一类型银行服务器。  And a second type of bank server, configured to receive the payee account information sent from the network payment server, and send the payee account information to the first type of bank server.
较优的， 还包括：  More excellent, also includes:
网络支付服务器， 还用于接收支付请求指令， 并将所述支付请求指令发给 第一类型银行服务器； 还用于接收从第一类型银行服务器发送的承诺付款信息 数据包， 将所述承诺付款信息数据包发送给第一类型客户终端；  The network payment server is further configured to receive a payment request instruction, and send the payment request instruction to the first type of bank server; and to receive the promised payment information data packet sent from the first type of bank server, and the promised payment The information data packet is sent to the first type of client terminal;
第一类型银行服务器， 还用于接收所述支付请求指令， 生成有效的承诺付 款信息数据包， 发送给网络支付服务器；  The first type of bank server is further configured to receive the payment request instruction, generate a valid commitment payment information data packet, and send the data packet to the network payment server;
第一类型客户终端， 用于接收所述承诺付款信息数据包， 并转发给第二类 型客户终端。  The first type of client terminal is configured to receive the committed payment information data packet and forward the data to the second type of client terminal.
较优的， 还包括：  More excellent, also includes:
网络支付服务器， 与第二客户终端相连， 还用于通过第二客户终端通知收 款方可发货， 接收从第二客户终端发送过来的已发货信息， 并将所述已发货信 息发送给第一类型银行服务器， 接收从物流服务器发送的运单已签收信息， 将 所述运单已签收信息发送给第一类型银行服务器；  The network payment server is connected to the second client terminal, and is further configured to notify the payee that the goods can be shipped through the second client terminal, receive the shipped information sent from the second client terminal, and send the shipped information Receiving, by the first type of bank server, the receipt information of the waybill sent from the logistics server, and transmitting the signed receipt information to the first type of bank server;
第二客户终端， 用于接收从网络支付服务器发送的通知收款方可发货的信 息， 向网络支付服务器发送已发货信息；  a second client terminal, configured to receive, by the network payment server, information that the payment recipient can deliver, and send the shipped information to the network payment server;
物流服务器， 与网络支付服务器相连， 用于向网络支付服务器发送运单已 签收信息；  a logistics server, connected to the network payment server, configured to send the bill of lading information to the network payment server;
第一类型银行服务器， 还用于接收所述已发货信息和所述运单已签收信息， 分别更新所述承诺付款信息数据包状态， 并将已签收状态的承诺付款信息数据 包反馈给网络支付服务器。  The first type of bank server is further configured to receive the shipped information and the billed receipt information, update the status of the promised payment information packet, and feed back the committed payment information packet of the signed status to the network payment. server.
较优的， 还包括：  More excellent, also includes:
第二客户终端， 还用于向网络支付服务器发送付款请求；  The second client terminal is further configured to send a payment request to the network payment server;
网络支付服务器， 还用于把所述付款请求发送给第一类型银行服务器。 较优的， 还包括： The network payment server is further configured to send the payment request to the first type of bank server. More excellent, also includes:
网络支付服务器， 还用于生成承诺付款信息数据包的编号， 并将生成的承 诺付款信息数据包的编号存储在数据库中。  The network payment server is further configured to generate a number of the promised payment information data packet, and store the generated number of the commitment payment information data packet in the database.
较优的， 所述承诺付款信息数据包包括冻结资金的金额， 冻结的账户信息 及状态信息。  Preferably, the promised payment information data packet includes an amount of frozen funds, frozen account information and status information.
较优的， 所述承诺付款信息数据包的编号包括付款银行名称信息， 支付金 额， 付款人信息。  Preferably, the number of the promised payment information data packet includes payment bank name information, payment amount, and payer information.
实施上述实施例， 本发明提供的网络支付方法和系统， 对于买家来说， 仅 仅是对资金进行冻结， 不需将资金支付出去， 可以降低资金风险， 保障买家客 户的利益。 附图说明  By implementing the above embodiments, the network payment method and system provided by the present invention only freezes the funds for the buyer, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer's customers. DRAWINGS
为了更清楚地说明本发明实施例或现有技术中的技术方案， 下面将对实施 例或现有技术描述中所需要使用的附图作筒单地介绍， 显而易见地， 下面描述 中的附图仅仅是本发明的一些实施例， 对于本领域普通技术人员来讲， 在不付 出创造性劳动性的前提下， 还可以根据这些附图获得其他的附图。  In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description For some embodiments of the present invention, other drawings may be obtained from those skilled in the art without departing from the drawings.
图 1是本发明实施例的一种利用网络支付的系统的结构示意图；  1 is a schematic structural diagram of a system for utilizing network payment according to an embodiment of the present invention;
图 2是本发明一种利用网络支付的系统的另一实施例的结构示意图； 图 3是本发明实施例的一种利用网络支付的方法流程示意图；  2 is a schematic structural diagram of another embodiment of a system for utilizing network payment according to the present invention; FIG. 3 is a schematic flowchart of a method for utilizing network payment according to an embodiment of the present invention;
图 4是本发明一种利用网络支付的方法的另一实施例的流程示意图； 图 5是本发明一种利用网络支付的方法的又一实施例的流程示意图。 具体实施方式  4 is a schematic flow chart of another embodiment of a method for utilizing network payment according to the present invention; and FIG. 5 is a flow chart of still another embodiment of a method for utilizing network payment according to the present invention. detailed description
为了使本发明所要解决的技术问题、 技术方案及有益效果更加清楚明白， 以下结合附图及实施例， 对本发明进行进一步详细说明。  In order to make the technical problems, the technical solutions and the beneficial effects of the present invention more clearly understood, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments.
请请参阅图 1 示出的本发明实施例的一种利用网络支付的系统的结构示意 图， 包括：  Please refer to FIG. 1 for a schematic structural diagram of a system for utilizing network payment according to an embodiment of the present invention, which includes:
网络支付服务器 101 , 与第一类型银行服务器 102 和第二类型银行服务器 103相连， 用于接收从收款方处发来的收款人账户信息，根据收款人账户信息中 的收款银行名称， 将收款人账户信息发送给第二类型银行服务器 103; 还用于向 第一类型银行服务器 102发送付款请求。 The network payment server 101 is connected to the first type of bank server 102 and the second type of bank server 103 for receiving the payee account information sent from the payee, according to the name of the receiving bank in the payee account information. Transmitting the payee account information to the second type of bank server 103; The first type of bank server 102 sends a payment request.
第一类型银行服务器 102,用于接收从第二类型银行服务器 103发送的收款 人账户信息； 还用于接收从网络支付服务器 101 发送的付款请求， 根据该付款 请求付款。  The first type of bank server 102 is configured to receive the payee account information transmitted from the second type of bank server 103; and is further configured to receive a payment request sent from the network payment server 101, and pay according to the payment request.
第二类型银行服务器 103 ,用于接收从网络支付服务器 101发送的收款人账 户信息， 并将该收款人账户信息发送给第一类型银行服务器 102。  The second type of bank server 103 is configured to receive the payee account information transmitted from the network payment server 101, and transmit the payee account information to the first type of bank server 102.
实施上述实施例， 本发明提供的网络支付系统， 对于买家来说， 仅仅是对 资金进行冻结， 不需将资金支付出去， 可以降低资金风险， 保障买家客户的利 益。 请参阅图 2 示出的本发明实施例的另一种利用网络支付的系统的结构示意 图， 包括：  By implementing the above embodiments, the online payment system provided by the present invention only freezes the funds for the buyer, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer and the customer. Referring to FIG. 2, another structural diagram of a system for utilizing network payment according to an embodiment of the present invention shown in FIG. 2 includes:
网络支付服务器 201 ,与第一类型银行服务器 202 ,第二类型银行服务器 203 , 第一客户终端 204, 第二客户终端 205与物流服务器 206相连， 用于接收从收款 方处发来的收款人账户信息， 根据所述收款人账户信息中的收款银行名称， 将 该收款人账户信息发送给第二类型银行服务器 203;还用于向第一类型银行服务 器 202发送付款请求； 还用于接收支付请求指令， 并将该支付请求指令发给第 一类型银行服务器 202;还用于接收从第一类型银行服务器 202发送的承诺付款 信息数据包， 将该承诺付款信息数据包发送给第一类型客户终端 204; 还用于通 过第二客户终端 205通知收款方可发货， 接收从第二客户终端 205发送过来的 已发货信息， 并将该已发货信息发送给第一类型银行服务器 202 ,接收从物流服 务器 206或第一客户终端 204发送的运单已签收信息， 将该运单已签收信息发 送给第一类型银行服务器 202。  The network payment server 201 is connected to the first type bank server 202, the second type bank server 203, the first client terminal 204, and the second client terminal 205 to the logistics server 206 for receiving the payment from the payee. The account information of the person, the payee account information is sent to the second type of bank server 203 according to the name of the receiving bank in the payee account information; and is further used for sending a payment request to the first type of bank server 202; And receiving the payment request instruction, and sending the payment request instruction to the first type of bank server 202; and receiving the promised payment information data packet sent from the first type of bank server 202, and sending the promised payment information data packet to The first type client terminal 204 is further configured to notify the payee that the shipment can be shipped through the second client terminal 205, receive the shipped information sent from the second client terminal 205, and send the shipped information to the first The type bank server 202 receives the billed receipt information sent from the logistics server 206 or the first client terminal 204, and the waybill has been Receiving a first type of information sent to the bank server 202.
具体的， 网络支付服务器 201 还用于生成承诺付款信息数据包的编号， 并 将生成的承诺付款信息数据包的编号存储在数据库中。  Specifically, the network payment server 201 is further configured to generate a number of the committed payment information data packet, and store the generated number of the promised payment information data packet in the database.
网络支付服务器 201还用于接收从第二客户终端 205发来的收款人账户信 息， 将付款人账户信息发送给第二类型银行服务器 203。  The network payment server 201 is further configured to receive the payee account information sent from the second client terminal 205, and transmit the payer account information to the second type of bank server 203.
第一类型银行服务器 202,用于接收从第二类型银行服务器 203发送的收款 人账户信息； 还用于接收从网络支付服务器 201 发送的付款请求， 根据该付款 请求付款； 还用于接收支付请求指令， 生成有效的承诺付款信息数据包， 发送 给网络支付服务器 201 ; 还用于接收已发货信息和运单已签收信息， 分别更新所 述承诺付款信息数据包状态， 并将已签收状态的承诺付款信息数据包反馈给网 络支付服务器 201。 The first type of bank server 202 is configured to receive the payee account information sent from the second type of bank server 203; and is further configured to receive a payment request sent from the network payment server 201, and pay according to the payment request; Request an instruction to generate a valid committed payment information packet, send The network payment server 201 is further configured to receive the shipped information and the billing signed information, update the committed payment information data packet status, and feed back the signed payment commitment information data packet to the network payment server 201.
第二类型银行服务器 203 ,用于接收从网络支付服务器 201发送的所述收款 人账户信息， 并将所述收款人账户信息发送给第一类型银行服务器 202。  The second type of bank server 203 is configured to receive the payee account information sent from the network payment server 201, and transmit the payee account information to the first type of bank server 202.
第一类型客户终端 204, 用于接收承诺付款信息数据包， 并转发给第二类型 客户终端 205。  The first type of client terminal 204 is configured to receive the committed payment information data packet and forward it to the second type client terminal 205.
第二类型客户终端 205 ,用于接收从网络支付服务器 201发送的通知收款方 可发货的信息， 向网络支付服务器 201 发送已发货信息； 还用于向网络支付服 务器 201发送付款请求。  The second type client terminal 205 is configured to receive the information that is sent from the network payment server 201 to notify the payee of the shipment, and send the shipped information to the network payment server 201; and is further configured to send the payment request to the network payment server 201.
具体的， 当承诺付款信息数据包中的状态信息变为已签收状态后， 才向网 络支付服务器 201发送付款请求。  Specifically, the payment request is sent to the network payment server 201 when the status information in the commitment payment information packet becomes the signed status.
物流服务器 206, 用于向网络支付服务器 201发送运单已签收信息。  The logistics server 206 is configured to send the bill of lading information to the network payment server 201.
具体的， 付款方签收货物后， 可以通过第一客户终端发送运单已签收信息 给物流服务器 206。第一客户终端 204也可以代替物流服务器 206向网络支付服 务器 201发送运单已签收信息。  Specifically, after the payment party signs the goods, the first customer terminal can send the bill of lading information to the logistics server 206. The first client terminal 204 can also send the waybill signed information to the network payment server 201 instead of the logistics server 206.
实施上述实施例， 本发明提供的网络支付系统， 对于买家来说， 仅仅是对 资金进行冻结， 不需将资金支付出去， 可以降低资金风险， 保障买家客户的利 益。 请参阅图 3 示出的本发明实施例的一种利用网络支付的方法流程示意图， 包括：  By implementing the above embodiments, the online payment system provided by the present invention only freezes the funds for the buyer, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer and the customer. Referring to FIG. 3, a schematic flowchart of a method for using network payment according to an embodiment of the present invention, including:
步骤 S301 : 网络支付服务器接收从收款方处发来的收款人账户信息， 根据 收款人账户信息中的收款银行名称， 将收款人账户信息发送给第二类型银行服 务器。  Step S301: The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information.
步骤 S302: 第二类型银行服务器将收款人账户信息发送给第一类型银行服 务器。  Step S302: The second type of bank server sends the payee account information to the first type of bank server.
步骤 S303: 收款方可以通过网络支付服务器向第一类型银行服务器发送付 款请求。  Step S303: The payee can send a payment request to the first type of bank server through the network payment server.
步骤 S304: 第一类型银行服务器接收付款请求， 根据该付款请求付款。 实施上述实施例， 本发明提供的网络支付方法， 对于买家来说， 仅仅是对 资金进行冻结， 不需将资金支付出去， 可以降低资金风险， 保障买家客户的利 益。 下面结合图 4 示出的本发明一种利用网络支付的方法的另一实施例的流程 示意图， 方法步骤包括： Step S304: The first type of bank server receives the payment request, and pays according to the payment request. By implementing the above embodiments, the online payment method provided by the present invention is only for the buyer to freeze the funds, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer's customers. A flow diagram of another embodiment of a method for utilizing network payment according to the present invention, which is shown in FIG. 4, the method steps include:
步骤 S401 : 网络支付服务器接收支付请求指令， 并根据付款银行名称将该 支付请求指令发给第一类型银行服务器。  Step S401: The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server according to the payment bank name.
具体的， 该支付请求指令包括付款银行名称和金额信息。  Specifically, the payment request instruction includes a payment bank name and amount information.
步骤 S402: 第一类型银行服务器接收该支付请求指令后， 生成有效的承诺 付款信息数据包， 并将该承诺付款信息数据包发送给网络支付服务器。  Step S402: After receiving the payment request instruction, the first type of bank server generates a valid commitment payment information data packet, and sends the committed payment information data packet to the network payment server.
具体的， 有效的承诺付款信息数据包包括冻结资金的金额， 冻结的账户信 息及状态信息； 还可以包括币种信息， 开户行信息， 签发日期， 有效期信息等。  Specifically, the valid promised payment information data packet includes the amount of frozen funds, frozen account information and status information; and may also include currency information, account bank information, issue date, validity period information, and the like.
步骤 S403: 网络支付服务器将该承诺付款信息数据包发送给付款方， 付款 方将该承诺付款信息数据包转发给收款方。  Step S403: The network payment server sends the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
步骤 S404: 网络支付服务器接收从收款方处发来的收款人账户信息， 根据 收款人账户信息中的收款银行名称， 将收款人账户信息发送给第二类型银行服 务器。  Step S404: The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information.
具体的， 收款方可以通过第二类型客户终端向网络支付服务器发送承诺付 款信息数据包中的编号和收款人账户信息， 该第二类型客户终端可以是手机、 个人电脑、 PAD 等智能设备。 收款方和收款人可以是同一主体， 也可以是不同 主体。  Specifically, the payee may send the number in the promised payment information packet and the payee account information to the network payment server through the second type client terminal, and the second type client terminal may be a smart device such as a mobile phone, a personal computer, or a PAD. . The payee and the payee can be the same subject or different subjects.
步骤 S405: 第二类型银行服务器将收款人账户信息发送给第一类型银行服 务器。  Step S405: The second type of bank server sends the payee account information to the first type of bank server.
步骤 S406: 网络支付服务器通知收款方可发货， 收款方通过网络支付服务 器向第一类型银行服务器发送已发货信息。  Step S406: The network payment server notifies the payee that the goods are delivered, and the payee sends the shipped information to the first type of bank server through the network payment server.
步骤 S407: 物流服务器通过网络支付服务器向第一类型银行服务器发送运 单已签收信息， 第一类型银行服务器更新承诺付款信息数据包的状态信息， 此 时状态信息为已签收状态。 第一类型银行服务器将已签收状态的该承诺付款信 息数据包反馈给网络支付服务器。 步骤 S408: 当该承诺付款信息数据包中状态信息为已签收状态后， 收款方 可以通过网络支付服务器向第一类型银行服务器发送付款请求。 Step S407: The logistics server sends the billing received information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status. The first type of bank server feeds back the promised payment information data packet in the signed state to the network payment server. Step S408: After the status information in the promised payment information data packet is the signed status, the payee may send a payment request to the first type of bank server through the network payment server.
步骤 S409: 第一类型银行服务器将已冻结资金解冻， 并把资金调拨至第二 类型银行服务器。  Step S409: The first type of bank server thaws the frozen funds and transfers the funds to the second type of bank server.
实施上述实施例， 本发明提供的网络支付方法， 对于买家来说， 仅仅是对 资金进行冻结， 不需将资金支付出去， 可以降低资金风险， 保障买家客户的利 益。 下面结合图 5 示出的本发明一种利用网络支付的方法的又一实施例的流程 示意图， 方法步骤包括：  By implementing the above embodiments, the online payment method provided by the present invention is only for the buyer to freeze the funds, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer and the customer. A flow diagram of still another embodiment of a method for utilizing network payment according to the present invention shown in FIG. 5, the method steps comprising:
步骤 S501 : 付款人通过第一类型客户终端向网络支付服务器发送支付请求 指令， 该支付请求指令包含付款银行名称及支付金额信息。  Step S501: The payer sends a payment request instruction to the network payment server through the first type client terminal, where the payment request instruction includes the payment bank name and the payment amount information.
具体的， 第一类型客户终端包含手机、 个人电脑、 PAD等智能设备。  Specifically, the first type of client terminal includes a smart device such as a mobile phone, a personal computer, or a PAD.
步骤 S502: 网络支付服务器接收该支付请求指令， 并根据付款银行名称将 该支付请求指令发给第一类型银行服务器。  Step S502: The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server according to the payment bank name.
步骤 S503: 第一类型银行服务器接收该支付请求指令， 并接收付款人提供 的账户信息。  Step S503: The first type of bank server receives the payment request instruction and receives the account information provided by the payer.
步骤 S504: 第一类型银行服务器审核该账户信息， 如账户信息正确， 进入 步骤 S505 , 如果账户信息不正确， 返回错误提示给网络支付服务器。  Step S504: The first type of bank server reviews the account information. If the account information is correct, the process proceeds to step S505. If the account information is incorrect, an error message is returned to the network payment server.
步骤 S505: 冻结该账户及账户上的金额， 生成有效的承诺付款信息数据包， 向网络支付服务器发送审核通过信息。  Step S505: Freeze the account and the amount on the account, generate a valid committed payment information data packet, and send the audit pass information to the network payment server.
具体的， 该承诺付款信息数据包包括冻结资金的金额， 冻结的账户信息及 状态信息。 此时， 状态信息为已签发状态。  Specifically, the promised payment information data package includes the amount of frozen funds, frozen account information, and status information. At this time, the status information is the signed status.
步骤 S506: 网络支付服务器接收该审核通过信息， 生成承诺付款信息数据 包的编号， 并将生成的承诺付款信息数据包的编号存储在数据库中。  Step S506: The network payment server receives the audit pass information, generates a number of the promised payment information data packet, and stores the generated number of the promised payment information data packet in the database.
具体的， 该承诺付款信息数据包的编号为承诺付款信息数据包的标示。 该 承诺付款信息数据包的编号形式可以为 "招商银行银信证 *500.00RMB*张三"， 其中招商银行为付款银行名称，银信证为数据包名称， 500.00RMB为支付金额， 张三为付款人信息， 该编号可以由上述信息自由组合。  Specifically, the number of the promised payment information data packet is an indication of the promised payment information data packet. The number of the promised payment information data packet can be "China Merchants Bank Bank Letter*500.00RMB*Zhangsan", in which China Merchants Bank is the name of the payment bank, the bank letter is the name of the package, 500.00RMB is the payment amount, Zhang Sanwei Payer information, which can be freely combined by the above information.
步骤 S507: 第一类型银行服务器将承诺付款信息数据包发送给网络支付服 务器。 Step S507: The first type of bank server sends the promised payment information data packet to the network payment service Server.
步骤 S508: 网络支付服务器将该承诺付款信息数据包发送给付款方， 付款 方将该承诺付款信息数据包转发给收款方。  Step S508: The network payment server sends the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
步骤 S509: 网络支付服务器接收从收款方处发来收款人账户信息， 根据收 款人账户信息中的收款银行名称， 将收款人账户信息发送给第二类型银行服务 器； 具体的， 收款方可以通过第二类型客户终端向网络支付服务器发送承诺付 款信息数据包中的编号和收款人账户信息， 该第二类型客户终端可以是手机、 个人电脑、 PAD 等智能设备。 收款方和收款人可以是同一主体， 也可以是不同 主体。 收款人账户信息包括收款银行名称， 收款账户信息等。  Step S509: The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type bank server according to the name of the payee bank in the payee account information; The payee can send the number in the promised payment information packet and the payee account information to the network payment server through the second type of client terminal, and the second type of client terminal can be a smart device such as a mobile phone, a personal computer, or a PAD. The payee and the payee can be the same subject or different subjects. The payee account information includes the name of the receiving bank, the information of the receiving account, and the like.
步骤 S510: 第二类型银行服务器审核收款人账户信息， 如账户信息正确， 进入步骤 S511 , 如果账户信息不正确， 返回错误提示给网络支付服务器。  Step S510: The second type of bank server reviews the payee account information. If the account information is correct, the process proceeds to step S511. If the account information is incorrect, an error message is returned to the network payment server.
步骤 S511 : 第二类型银行服务器将收款人账户信息发送给第一类型银行服 务器。  Step S511: The second type of bank server sends the payee account information to the first type of bank server.
步骤 S512: 第一类型银行服务器更新承诺付款信息数据包的状态信息， 此 时状态信息为已指定收款人状态。  Step S512: The first type of bank server updates the status information of the promised payment information packet, and the status information is the specified payee status.
步骤 S513 : 网络支付服务器通知收款方可发货， 收款方通过网络支付服务 器向第一类型银行服务器发送已发货信息。  Step S513: The network payment server notifies the payee that the goods can be shipped, and the payee sends the shipped information to the first type of bank server through the network payment server.
步骤 S514: 第一类型银行服务器根据该已发货信息， 更新承诺付款信息数 据包的状态信息， 此时状态信息为已发货状态。  Step S514: The first type of bank server updates the status information of the committed payment information data packet according to the shipped information, and the status information is the delivered status.
步骤 S515: 物流系统通过网络支付服务器向第一类型银行服务器发送运单 已签收信息， 第一类型银行服务器更新承诺付款信息数据包的状态信息， 此时 状态信息为已签收状态。 第一类型银行服务器将已签收状态的该承诺付款信息 数据包反馈给网络支付服务器。  Step S515: The logistics system sends the waybill signed information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status. The first type of bank server feeds back the promised payment information packet of the signed status to the network payment server.
步骤 S516: 收款方可以通过网络支付服务器向第一类型银行服务器发送付 款请求。  Step S516: The payee can send a payment request to the first type of bank server through the network payment server.
具体的， 当网络支付服务器接收到已签收状态的该承诺付款信息数据包后， 才能支持收款方向第一类型银行服务器发送付款请求  Specifically, when the network payment server receives the promised payment information data packet in the signed state, the network payment server can support the first type of bank server to send the payment request.
步骤 S517: 第一类型银行服务器将已冻结资金解冻， 并把资金调拨至第二 类型银行服务器。  Step S517: The first type of bank server thaws the frozen funds and transfers the funds to the second type of bank server.
实施上述实施例， 本发明提供的网络支付方法， 对于买家来说， 仅仅是对 资金进行冻结， 不需将资金支付出去， 可以降低资金风险， 保障买家客户的利 益。 需要说明的是， 通过以上的实施方式的描述， 本领域的技术人员可以清楚 地了解到本发明可借助软件加必需的硬件平台的方式来实现， 当然也可以全部 通过硬件来实施。 基于这样的理解， 本发明的技术方案对背景技术做出贡献的 全部或者部分可以以软件产品的形式体现出来， 该计算机软件产品可以存储在 存储介质中， 如 ROM/RAM、 磁碟、 光盘等， 包括若干指令用以使得一台计算 机设备（可以是个人计算机， 服务器， 或者网络设备等）执行本发明各个实施 例或者实施例的某些部分所述的方法。 Implementing the above embodiments, the network payment method provided by the present invention is only for the buyer If the funds are frozen, it is not necessary to pay the funds out, which can reduce the risk of funds and protect the interests of the buyers and customers. It should be noted that, through the description of the foregoing embodiments, those skilled in the art can clearly understand that the present invention can be implemented by means of software plus a necessary hardware platform, and of course, all can be implemented by hardware. Based on such understanding, all or part of the technical solution of the present invention contributing to the background art may be embodied in the form of a software product, which may be stored in a storage medium such as a ROM/RAM, a magnetic disk, an optical disk, or the like. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods described in various embodiments of the present invention or portions of the embodiments.
以上所揭露的仅为本发明实施例中的较佳实施例而已， 当然不能以此来限 定本发明之权利范围， 因此依本发明权利要求所作的等同变化， 仍属本发明所 涵盖的范围。  The above is only the preferred embodiment of the present invention, and the scope of the present invention is not limited thereto, and the equivalent changes made by the claims of the present invention are still within the scope of the present invention.

Claims

1、 一种利用网络支付的方法， 其特征在于， 包括： 1. A method of payment using the Internet, characterized by including:
网络支付服务器接收从收款方处发来的收款人账户信息， 根据收款人账户 信息中的收款银行名称， 将收款人账户信息发送给第二类型银行服务器； The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type bank server according to the name of the payee bank in the payee account information;
第二类型银行服务器将收款人账户信息发送给第一类型银行服务器； 收款方可以通过网络支付服务器向第一类型银行服务器发送付款请求； 第一类型银行服务器接收付款请求， 根据该付款请求付款。 The second type of bank server sends the payee's account information to the first type of bank server; the payee can send a payment request to the first type of bank server through the network payment server; the first type of bank server receives the payment request, and according to the payment request Payment.
2、 如权利要求 1所述的方法， 其特征在于， 在所述网络支付服务器接收从 收款方处发来的收款人账户信息， 根据收款人账户信息中的收款银行名称， 将 收款人账户信息发送给第二类型银行服务器之前， 还包括： 2. The method according to claim 1, characterized in that: the network payment server receives the payee account information sent from the payee, and according to the name of the payee bank in the payee account information, Before the payee account information is sent to the second type bank server, it also includes:
网络支付服务器接收支付请求指令， 并将所述支付请求指令发给第一类型 银行服务器； The network payment server receives the payment request instruction and sends the payment request instruction to the first type bank server;
第一类型银行服务器接收所述支付请求指令后， 生成有效的承诺付款信息 数据包， 并将所述承诺付款信息数据包发送给网络支付服务器； After receiving the payment request instruction, the first type bank server generates a valid committed payment information packet, and sends the committed payment information packet to the network payment server;
网络支付服务器将所述承诺付款信息数据包发送给付款方， 付款方将所述 承诺付款信息数据包转发给收款方。 The network payment server sends the promised payment information packet to the payer, and the payer forwards the promised payment information packet to the payee.
3、 如权利要求 2所述的方法， 其特征在于， 在所述第二类型银行服务器将 收款人账户信息发送给第一类型银行服务器之后， 还包括： 3. The method of claim 2, characterized in that, after the second type bank server sends the payee account information to the first type bank server, it further includes:
网络支付服务器通知收款方可发货， 收款方通过网络支付服务器向第一类 型银行服务器发送已发货信息； The online payment server notifies the payee that the goods can be shipped, and the payee sends the shipped information to the first type bank server through the online payment server;
物流服务器通过网络支付服务器向第一类型银行服务器发送运单已签收信 息， 第一类型银行服务器更新承诺付款信息数据包的状态信息， 此时状态信息 为已签收状态， 第一类型银行服务器将已签收状态的承诺付款信息数据包反馈 给网络支付服务器。 The logistics server sends the waybill signed information to the first type bank server through the network payment server, and the first type bank server updates the status information of the promised payment information packet. At this time, the status information is the signed status, and the first type bank server will have signed. The status of the promised payment information packet is fed back to the network payment server.
4、 如权利要求 3所述的方法， 其特征在于， 所述收款方可以通过网络支付 服务器向第一类型银行服务器发送付款请求， 具体为： 当所述承诺付款信息数据包中状态信息为已签收状态后， 收款方可以通过 网络支付服务器向第一类型银行服务器发送付款请求。 4. The method according to claim 3, characterized in that the payee can send a payment request to the first type bank server through the network payment server, specifically: When the status information in the promised payment information data packet is in the signed state, the payee can send a payment request to the first type bank server through the network payment server.
5、 如权利要求 4所述的方法， 其特征在于， 在所述网络支付服务器接收从 收款方处发来的收款人账户信息， 根据收款人账户信息中的收款银行名称， 将 收款人账户信息发送给第二类型银行服务器之前， 还包括： 5. The method according to claim 4, characterized in that: the network payment server receives the payee account information sent from the payee, and according to the name of the payee bank in the payee account information, Before the payee account information is sent to the second type bank server, it also includes:
网络支付服务器生成承诺付款信息数据包的编号， 并将生成的承诺付款信 息数据包的编号存储在数据库中。 The network payment server generates the number of the promised payment information packet and stores the generated number of the promised payment information packet in the database.
6、 如权利要求 2 所述的方法， 其特征在于， 所述承诺付款信息数据包包括 冻结资金的金额， 冻结的账户信息及状态信息。 6. The method of claim 2, wherein the promised payment information data package includes the amount of frozen funds, frozen account information and status information.
7、 如权利要求 5所述的方法， 其特征在于， 所述承诺付款信息数据包的编 号包括付款银行名称信息， 支付金额， 付款人信息。 7. The method of claim 5, wherein the number of the promised payment information packet includes payment bank name information, payment amount, and payer information.
8、 一种利用网络支付的系统， 其特征在于， 包括： 8. A system using online payment, which is characterized by including:
网络支付服务器， 与第一类型银行服务器和第二类型银行服务器相连， 用 于接收从收款方处发来的收款人账户信息， 根据所述收款人账户信息中的收款 银行名称， 将所述收款人账户信息发送给第二类型银行服务器； 还用于向第一 类型银行服务器发送付款请求； The network payment server is connected to the first type bank server and the second type bank server, and is used to receive the payee account information sent from the payee. According to the name of the payee bank in the payee account information, Send the payee account information to the second type bank server; and also be used to send a payment request to the first type bank server;
第一类型银行服务器， 用于接收从第二类型银行服务器发送的所述收款人 账户信息； 还用于接收从网络支付服务器发送的所述付款请求， 根据该付款请 求付款； The first type of bank server is used to receive the payee account information sent from the second type of bank server; also used to receive the payment request sent from the network payment server, and pay according to the payment request;
第二类型银行服务器， 用于接收从网络支付服务器发送的所述收款人账户 信息， 并将所述收款人账户信息发送给第一类型银行服务器。 The second type of bank server is used to receive the payee account information sent from the network payment server, and send the payee account information to the first type of bank server.
9、 如权利要求 8所述的系统， 其特征在于， 还包括： 9. The system of claim 8, further comprising:
网络支付服务器， 还用于接收支付请求指令， 并将所述支付请求指令发给 第一类型银行服务器； 还用于接收从第一类型银行服务器发送的承诺付款信息 数据包， 将所述承诺付款信息数据包发送给第一类型客户终端； 第一类型银行服务器， 还用于接收所述支付请求指令， 生成有效的承诺付 款信息数据包， 发送给网络支付服务器； The network payment server is also used to receive payment request instructions and send the payment request instructions to the first type bank server; and is also used to receive the promised payment information data packet sent from the first type bank server and send the promised payment information to the first type bank server. The information data packet is sent to the first type client terminal; The first type of bank server is also used to receive the payment request instruction, generate a valid committed payment information packet, and send it to the network payment server;
第一类型客户终端， 用于接收所述承诺付款信息数据包， 并转发给第二类 型客户终端。 The first type of client terminal is used to receive the promised payment information data packet and forward it to the second type of client terminal.
10、 如权利要求 9所述的系统， 其特征在于， 还包括： 10. The system of claim 9, further comprising:
网络支付服务器， 与第二客户终端相连， 还用于通过第二客户终端通知收 款方可发货， 接收从第二客户终端发送过来的已发货信息， 并将所述已发货信 息发送给第一类型银行服务器， 接收从物流服务器发送的运单已签收信息， 将 所述运单已签收信息发送给第一类型银行服务器； The network payment server is connected to the second client terminal, and is also used to notify the payee through the second client terminal that the goods can be shipped, receive the shipped information sent from the second client terminal, and send the shipped information. To the first type bank server, receive the waybill signed information sent from the logistics server, and send the waybill signed information to the first type bank server;
第二客户终端， 用于接收从网络支付服务器发送的通知收款方可发货的信 息， 向网络支付服务器发送已发货信息； The second client terminal is used to receive the information sent from the network payment server to notify the payee that the goods can be shipped, and to send the shipped information to the network payment server;
物流服务器， 与网络支付服务器相连， 用于向网络支付服务器发送运单已 签收信息； The logistics server is connected to the network payment server and is used to send the waybill signed information to the network payment server;
第一类型银行服务器， 还用于接收所述已发货信息和所述运单已签收信息， 分别更新所述承诺付款信息数据包状态， 并将已签收状态的承诺付款信息数据 包反馈给网络支付服务器。 The first type of bank server is also used to receive the shipped information and the waybill signed information, respectively update the status of the promised payment information packet, and feed back the signed payment information packet to the network payment server.
11、 如权利要求 10所述的系统， 其特征在于， 还包括： 11. The system of claim 10, further comprising:
第二客户终端， 还用于向网络支付服务器发送付款请求； The second client terminal is also used to send a payment request to the network payment server;
网络支付服务器， 还用于把所述付款请求发送给第一类型银行服务器。 The network payment server is also used to send the payment request to the first type bank server.
12、 如权利要求 11所述的系统， 其特征在于， 还包括： 12. The system of claim 11, further comprising:
网络支付服务器， 还用于生成承诺付款信息数据包的编号， 并将生成的承 诺付款信息数据包的编号存储在数据库中。 The network payment server is also used to generate the number of the promised payment information packet, and store the generated number of the promised payment information packet in the database.
13、 如权利要求 9 所述的系统， 其特征在于， 所述承诺付款信息数据包包 括冻结资金的金额， 冻结的账户信息及状态信息。 13. The system of claim 9, wherein the promised payment information data package includes the amount of frozen funds, frozen account information and status information.
14、 如权利要求 12所述的系统， 其特征在于， 所述承诺付款信息数据包的 编号包括付款银行名称信息， 支付金额， 付款人信息。 14. The system according to claim 12, characterized in that the number of the promised payment information data packet includes payment bank name information, payment amount, and payer information.
PCT/CN2013/072794 2013-03-18 2013-03-18 Paying method and system by using network WO2014146228A1 (en)

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