WO2015135121A1

WO2015135121A1 - Online payment system and method, and online payment server

Info

Publication number: WO2015135121A1
Application number: PCT/CN2014/073172
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2014-03-11
Filing date: 2014-03-11
Publication date: 2015-09-17
Also published as: CN104937625B; CN104937625A

Abstract

The present invention provides an online payment system. The online payment system comprises: a client terminal of a first type, a banking server of a first type, a client terminal of a second type, a banking server of a second type, and an online payment server. The client terminal of the first type is used for obtaining demand information of the client terminal of the second type, and invoking a transaction and publication interface from the online payment server, so as to pre-issue an electronic payment document and notify the client terminal of the second type. The client terminal of the second type is used for accepting a payment invitation, and confirming the pre-issued electronic payment document with the banking server of the second type. The banking server of the second type is used for issuing the electronic payment document and freezing a fund. The online payment system and method and the online payment server provided in the present invention provide a means of online payment based on bank-level credit, which allows a seller to actively give a payment invitation to a buyer, thereby simplifying the payment process of the buyer and improving the payment collection of the seller.

Description

Network payment system, method and network payment server

Technical field

The invention belongs to the technical field of electronic commerce, and in particular relates to a network payment method and system. 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. , 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.

The current online electronic payment (network payment) methods mainly include bank online banking payment (including credit card payment) and third party payment. The general flow of their Internet-based online payment is as follows:

1) The payer (customer, buyer) browses the goods online, selects the goods, fills in the online order, selects the application's online payment settlement tool, and is authorized by the bank, such as bank card, e-wallet, e-cash, e-check or network Bank account number, etc.

2) The customer encrypts the relevant order information (such as payment information) and submits the order online. The merchant server checks and confirms the customer's order information, and forwards the relevant and encrypted customer payment information to the payment gateway until the bank back-end service server of the bank-specific network confirms, in order to obtain payment from the electronic money issuer such as the bank. Authorization of funds.

3) After the bank verification is confirmed, the confirmation and payment settlement information is sent back to the merchant server through the established encrypted communication channel via the payment gateway, and the payment authority returns a payment authorization request (or not) for further security.

4) After the bank receives the further authorization settlement information from the payer, transfer the funds from the payer's account to the merchant bank account for e-commerce, use the financial private network for settlement, and send the payment to the merchant and the payer respectively. Billing success message. 5) After receiving the settlement success information sent by the bank, the merchant server sends the network payment success information and the delivery notice to the payer. At this point, a typical network payment settlement process ends. Merchants and customers can use their network to check their own fund balance information for further verification. It can be seen from the above process that all payment routines are the payment by the payer (buyer), and the payment action is completed after a series of operations; the payment behavior initiated by the payee is blank, and there is no corresponding success case. Disadvantages of such payment methods include: The payment party operation procedure is cumbersome and needs to participate in the transaction all the time; The collection uncertainty is large, the success rate is affected; The online payment route is single; The credit structure level is low; The capital circulation and the transaction cycle are not conducive to Participation in banking systems, national financial or tax regulatory forms, etc.

Therefore, there is a need for an improved network payment method and system. SUMMARY OF THE INVENTION An object of the present invention is to provide a network payment method and system, which aims to solve the problem that the payment party operation procedure existing in the existing network payment is cumbersome and the online payment path is single.

The present invention is implemented as follows: A network payment system comprising: a first type of client terminal applicable to a payee, a first type of bank server applicable to a payee bank, and a second type of client terminal applicable to a payer a second type of bank server, and a network payment server, applicable to the payer bank, wherein: the first type of client terminal is connected to the first type of bank server and the network payment server, and is configured to obtain the The demand information of the two types of client terminals, pre-opening the electronic payment voucher and notifying the second type of client terminal by calling the transaction publishing interface to the network payment server; the second type of client terminal and the second type of bank server Connected to the network payment server for accepting a payment offer from the first type of client terminal, and confirming the pre-opening to the second type of bank server by using a pre-open electronic payment voucher confirmation interface of the network payment server Electronic payment voucher; and said second type of bank server, said said a second type of client terminal, the first type of bank server, and the network payment server are connected to open the electronic payment voucher and freeze the receipt after receiving the confirmation from the pre-open electronic payment voucher confirmation interface Narrative Funds related to the second type of client terminal.

Preferably, the network payment server is a network payment server based on bank credit certificates. Preferably, the second type of bank server is further configured to: invoke a notification interface of the network payment server to notify the first type of client terminal and the first type of bank server to open with respect to the second type of bank server The electronic payment voucher; and if the second type of client terminal receives and satisfies the goods from the first type of client terminal, in response to the network payment server invoked by the second type of client terminal The payment interface to pay for the first type of bank server.

The invention also provides a network payment method, which is applied to a network payment system, wherein the network payment system comprises a first type of client terminal applicable to a payee, a first type of bank server applicable to a payee bank, and is applicable. The second type of client terminal of the payer, the second type of bank server applicable to the payer bank, and the network payment server, the network payment method includes the following steps: the first type of client terminal obtains the second type of client a step of requesting information of the terminal; the step of the first type of client terminal pre-opening the electronic payment voucher and notifying the second type of client terminal by calling the transaction issuance interface to the network payment server; the second type of client terminal Accepting a payment offer from the first type of client terminal; the second type of client terminal confirming the pre-opening electronic payment to the second type of bank server via the pre-open electronic payment voucher confirmation interface of the network payment server a step of credentials; and said second type of bank server The electronic payment credential and a step of freezing funds terminal associated with the second type of client.

Preferably, the network payment server is a network payment server based on bank credit certificates. Preferably, the network payment method further comprises: the second type of bank server calling a notification interface of the network payment server to notify the first type of client terminal and the first type of bank server about the second a step of the electronic payment voucher issued by the type bank server; and the step of the first type of client terminal making a receipt confirmation and the first type of bank server receiving the certificate after receiving the notification.

Preferably, the network payment method further includes: a step of delivering the first type of client terminal; and a step of inspecting the second type of client terminal after receiving the goods from the first type of client terminal Step.

Preferably, the network payment method further includes: if the second type of client terminal is not satisfied with the goods of the first type of client terminal, the second type of client terminal requests a return to the first type of client terminal And the step of: invoking the second type of client terminal, the second type of client terminal invoking the payment interface of the network payment server to notify the second type of bank The step of the server paying to the first type of bank server.

The present invention also provides a network payment server, comprising: a sending module, configured to pre-open an electronic payment voucher and send it to a second applicable to a paying party according to an invoking command from a first type of client terminal applicable to a payee a type client terminal; an acknowledgment module, configured to confirm, according to a confirmation command from the second type of client terminal, a pre-open electronic payment voucher to a second type of bank server applicable to the payer bank; and a payment notification module, configured to A notification command from the second type of bank server notifying the first type of client terminal and the first type of bank server applicable to the payee bank regarding the electronic payment voucher issued by the second type of bank server.

Preferably, the network payment server further comprises: a settlement notification module, configured to notify the second type of bank server to pay the first type of bank server according to an invocation command from the second type of client terminal. The network payment system, method and network payment server provided by the invention realize the payment by the payee (seller) to initiate the network payment/mobile payment invitation and the payment by the payer (buyer) on the basis of the bank credit level. . BRIEF DESCRIPTION OF THE DRAWINGS 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 prior art description will be briefly described below, and obviously, in the following description The drawings are only some of the embodiments of the present invention, and those skilled in the art can obtain other drawings based on these drawings without any creative work.

FIG. 1 is a schematic structural diagram of a network payment system according to an embodiment of the present invention. FIG. 2 is a flowchart of a network payment method according to an embodiment of the present invention.

3A and 3B are flowcharts of a network payment method according to an embodiment of the present invention. detailed description

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Referring to FIG. 1, FIG. 1 is a schematic structural diagram of a network payment system 100 according to an embodiment of the present invention. As shown in FIG. 1, the network payment system 100 includes a seller platform 110, a silver letter platform 120 (also referred to as a network payment server), and a buyer platform 130. The seller platform 110 includes a seller 112 (which may also be referred to as a first type of client terminal applicable to the payee) and a seller bank 114 (which may also be referred to as a first type of bank server for the payee bank), and the buyer platform 130 includes a buyer 132 (which may also be referred to as a second type of client terminal applicable to the payer) and a buyer's bank 134 (which may also be referred to as a second type of bank server for the payer's bank). Those skilled in the art will appreciate that the seller's bank 114 and the buyer's bank 134 may be the same.

In the payment process, the seller 112 actively initiates a payment offer by applying a certificate for issuing the bank credit certificate (ie, the credit platform 120) to open an electronic payment voucher of the value of the goods or services sold according to the actual demand information of the buyer 132. Correspondingly, after the buyer 132 receives the electronic payment voucher pre-opened by the seller 112, if accepting the payment offer, it confirms to the bank (ie, the buyer's bank 134) that a formal electronic payment voucher is generated and agrees to the transaction.

In the above payment process, the Yinxin platform 120 plays a key role. The Banking Platform 120 is an electronic payment platform and tools based on bank-level credits (eg, bank credentials). Bank credit certificates are an innovative Internet financial instrument that is paid for by bank credit guarantees. Conveniently, according to the core principles of international letters of credit, bank credit certificates combine the advantages of many financial products such as promissory notes, guarantee letters, acceptance bills, electronic letters of credit, etc., combined with Internet technology, to fully adapt to and meet the needs of the Internet economy era. Financial instruments, with broad applicability across cross-platform, cross-bank, all-area, full-scenario applications. Specifically, the functions of the bank credit certificate may include issuing a certificate, receiving a certificate, submitting a performance information, submitting a settlement information, suspending the payment, triggering the settlement, and canceling the payment, and the like.

The bank credit certificate will provide different series of bank credit certificate product standards according to the characteristics of the transaction target, including the following:

Series 1 : The main transaction for the transaction target without physical delivery, that is, various non-physical commodity transactions. Specifically, Series 1 is temporarily replaced by CP300. (According to the trigger period and bank payment form of the bank credit certificate, the CP300 series bank credit certificate can be divided into three forms: immediate CP301, long-term CP302, and staging CP303, for example: CP301 online games, software, audio and video, etc., CP302 hotels, airline tickets, etc. , CP303 water fee, electricity bill and other related transactions);

1) Series 2. It is mainly for transactions that need to be completed by physical delivery, that is, various physical commodity transactions. Specifically, Series 1 is temporarily replaced by C500. (for example: electronic appliances, clothing department stores, etc. related transactions);

2) Series 3. Mainly for the transaction target, the transaction that needs to be confirmed by the relevant public authority, that is, various special commodity transactions. Specifically, Series 1 is temporarily replaced by CP700. (for example: real estate, car equity trading ... and other related transactions).

Please note that although the examples herein are described in connection with bank credentials, those skilled in the art will appreciate that other electronic payment platforms and tools based on bank credit may also be used to implement the present invention.

FIG. 2 is a flowchart of a network payment method 200 according to an embodiment of the present invention. FIG. 2 will be described below with reference to FIG. 1. As shown in FIG. 2, the network payment process 200 begins with the seller 112. The seller 112 obtains the demand information of the buyer 132 or publishes his own product (with a payment link) through the social platform. Subsequently, the seller 112 establishes a payment offer to the buyer 132 by applying to the banking platform 120 to invoke a transaction publishing interface, pre-opening an electronic payment voucher (such as the value of the goods or services sold), and notifying the buyer 132. If the buyer 132 accepts the payment offer from the seller 112 (i.e., agrees to the transaction), the buyer 132 confirms to the bank (ie, the buyer's bank 134) via the pre-open electronic payment voucher confirmation interface of the 4-letter platform 120. Pre-open official electronic payment voucher. Accordingly, the buyer's bank 134 issues a formal electronic payment voucher and freezes the buyer's funds of value such as the goods or services sold. Buyer's bank 134 invokes the notification interface of the 4-way platform 120 to notify the seller 112 and the seller's account bank 114 of the electronic payment credentials issued by the buyer's account bank 134. Upon receipt of the notification, the seller 112 makes a receipt confirmation and is issued by the seller's bank 114. Subsequently, the seller 112 makes a logistics delivery of the merchandise for sale to the buyer 132. After the buyer 132 receives the goods, the goods are inspected, and if they are not satisfied, the seller 112 is notified to return the goods. If satisfied, the buyer 132 invokes the settlement interface of the 4 letter platform 120 to notify the buyer bank 134 to pay the seller bank 114. As the payment by the seller's bank 114 is successful, the entire online payment process 200 ends.

Referring again to Figure 2, the silver letter platform 120 (also referred to as a network payment server) of Figure 1 is understood. The banking platform 120 can include a transmitting module, a validation module, and a payment notification module (not shown) to implement the above network payment method 200. Specifically, the sending module is configured to pre-open the electronic payment voucher and send it to the second type of client terminal applicable to the payer according to an invocation command from the first type of client terminal (ie, the seller 112) applicable to the payee (ie, , the buyer 132). The validation module is operative to confirm the pre-open electronic payment voucher to the second type of bank server (i.e., the buyer's bank 134) applicable to the payer bank based on the confirmation command from the second type of client terminal (i.e., buyer 132). The payment notification module is configured to notify the first type of client terminal (ie, the seller 112) and the first type of bank server applicable to the payee bank based on a notification command from the second type of bank server (ie, the buyer's bank 134) (ie, the seller's bank 114) an electronic payment voucher issued by the second type of bank server (ie, the buyer's bank 134). The banking platform 120 (which may also be referred to as a network payment server) may also include a settlement notification module (not shown) for notifying the second type of bank based on an invocation command from the second type of client terminal (ie, the buyer 132) The server (i.e., the buyer's bank 134) pays to the first type of bank server (i.e., the seller's bank 114).

3A and 3B are flowcharts of a network payment method 300 according to an embodiment of the present invention. 3A and 3B will be described below with reference to Figs. 1 and 2. As shown in FIG. 3, the network payment method 300 provided by the present invention includes the following steps:

Step S301: The seller obtains buyer demand information.

Step S303: The seller pre-opens the electronic payment voucher by calling the transaction publishing interface to the bank letter platform. Notify the buyer.

Step S305: The buyer accepts the payment offer from the seller.

Step S307: The buyer confirms the pre-opening formal electronic payment voucher to the buyer's bank through the pre-open electronic payment voucher confirmation interface of the 4th letter platform.

Step S309: The buyer's bank opens a formal electronic payment certificate and freezes the buyer's funds with the value of the goods or services sold.

Step S31 1 : The buyer's bank opens the notification interface of the bank's platform to notify the seller and the seller of the bank.

Step S313: After receiving the notification, the seller confirms the receipt and the seller opens the bank to receive the certificate.

Step S315: The seller carries out the logistics distribution (ie, delivery) of the sold goods to the buyer.

Step S317: After receiving the goods, the buyer inspects the goods. If not, the process goes to step S319, the buyer requests the return to the seller, and then proceeds to step S315. If yes, proceed to step S321, and the buyer calls the settlement interface of the bank's platform to notify the buyer's bank to pay the seller's bank.

Step S323: The seller's account bank 1 14 receives the payment successfully, and the entire online payment process 300 ends.

The network payment method and system provided by the above embodiments of the present invention realizes payment by the payee (seller) to initiate a network payment/mobile payment offer and the payment party (buyer) confirms the authorization on the basis of the bank credit level. The beneficial effects of the invention include: the buyer's operation procedure is quick and convenient; the collection is highly deterministic; the online payment method is added; the seller is allowed to push the product information to the buyer without a threshold.

The above is only the preferred embodiment of the present invention, and is not intended to limit the present invention. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the protection of the present invention. Within the scope.

Claims

claims

1. An online payment system, including: a first type client terminal suitable for the payee, a first type bank server suitable for the payee's bank, a second type client terminal suitable for the payer, The bank's second type bank server, and network payment server, where:

The first type client terminal is connected to the first type bank server and the network payment server, and is used to obtain the demand information of the second type client terminal by calling a transaction release interface to the network payment server. Pre-open an electronic payment voucher and notify the second type client terminal; The second type client terminal is connected to the second type bank server and the network payment server, and is used to accept payments from the first type client terminal For a payment invitation, confirm the pre-opened electronic payment voucher to the second type bank server through the pre-opened electronic payment voucher confirmation interface of the network payment server; and

The second type bank server is connected to the second type client terminal, the first type bank server and the network payment server, and is used to receive confirmation from the pre-opened electronic payment voucher confirmation interface. The electronic payment voucher is then issued and the funds associated with the second type of client terminal are frozen.

2. The online payment system according to claim 1, characterized in that the online payment server is an online payment server based on bank credit certificates.

3. The online payment system according to claim 1, characterized in that the second type bank server is also used for:

Call the notification interface of the network payment server to notify the first type client terminal and the first type bank server about the electronic payment voucher issued by the second type bank server; and

If the second type customer terminal receives and is satisfied with the goods from the first type customer terminal, then in response to the payment interface of the network payment server called by the second type customer terminal, the payment method is sent to the third type customer terminal. A type of bank server payment.

4. An online payment method, applied in an online payment system, the online payment system includes an appropriate A first type client terminal for the payee, a first type bank server for the payee bank, a second type client terminal for the payer, a second type bank server for the payor bank, and a network Payment server, the network payment method includes the following steps:

The step of the first type client terminal obtaining the demand information of the second type client terminal; The first type client terminal pre-opens an electronic payment voucher by calling a transaction release interface to the network payment server and notifies the third type of client terminal. Steps for the second type of client terminal;

The step of the second type client terminal accepting the payment invitation from the first type client terminal;

The second type client terminal confirms the pre-opened electronic payment voucher to the second-type bank server through the pre-opened electronic payment voucher confirmation interface of the network payment server; and

The second type bank server issues the electronic payment voucher and freezes the funds associated with the second type client terminal.

5. The network payment method according to claim 4, characterized in that the network payment server is a network payment server based on bank credit certificates.

6. The online payment method according to claim 4, characterized in that the online payment method further includes:

The second type bank server calls the notification interface of the network payment server to notify the first type client terminal and the first type bank server about the electronic payment voucher issued by the second type bank server. steps; and

After receiving the notification, the first type client terminal confirms receipt and the first type bank server receives the step.

7. The online payment method according to claim 6, characterized in that the online payment method further includes:

The steps of shipping the first type of customer terminal; and

The step of inspecting the goods by the second type customer terminal after receiving the goods from the first type customer terminal.

8. The online payment method according to claim 7, wherein the online payment method further includes:

If the second type customer terminal is not satisfied with the goods of the first type customer terminal, the step of the second type customer terminal requesting a return or exchange from the first type customer terminal; and

If the second type client terminal is satisfied with the goods of the first type client terminal, the second type client terminal calls the payment interface of the network payment server to notify the second type bank server to send the payment to the first type client terminal. Steps for a type of bank server payment.

9. An online payment server, including:

A sending module, configured to pre-open an electronic payment voucher and send it to a second type client terminal suitable for the payer according to a calling command from the first type client terminal suitable for the payee;

A confirmation module, configured to confirm the pre-opened electronic payment voucher to the second type bank server applicable to the payer bank according to the confirmation command from the second type client terminal; and

A payment notification module, configured to notify the first type client terminal and the first type bank server applicable to the payee bank regarding the opening of the second type bank server according to the notification command from the second type bank server. issued electronic payment voucher.

10. The network payment server according to claim 9, further comprising: a payment notification module, configured to notify the second type bank server to send the payment to the second type bank server according to the calling command from the second type client terminal. The first type of bank server payment is described above.