WO2015135131A1 - 网络支付系统及其方法 - Google Patents

网络支付系统及其方法 Download PDF

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Publication number
WO2015135131A1
WO2015135131A1 PCT/CN2014/073207 CN2014073207W WO2015135131A1 WO 2015135131 A1 WO2015135131 A1 WO 2015135131A1 CN 2014073207 W CN2014073207 W CN 2014073207W WO 2015135131 A1 WO2015135131 A1 WO 2015135131A1
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WO
WIPO (PCT)
Prior art keywords
payment
server
payer
type
bank server
Prior art date
Application number
PCT/CN2014/073207
Other languages
English (en)
French (fr)
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 CN201480003083.8A priority Critical patent/CN104937624A/zh
Priority to PCT/CN2014/073207 priority patent/WO2015135131A1/zh
Publication of WO2015135131A1 publication Critical patent/WO2015135131A1/zh

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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
    • G06Q20/10—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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/407—Cancellation of a transaction

Definitions

  • the invention belongs to the technical field of electronic commerce, and in particular relates to a network payment system and a method thereof. 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.
  • a network payment system comprising: a first type of bank server for a payee bank, a second type of bank server for a payer bank, and a network payment server, characterized by: a network payment server and the first type of bank server and said a second type of bank server connected for updating a fund settlement period based on the shipped information sent from the payee, and transmitting the trigger information to the second type of bank according to the shipped information
  • the server triggers the fund settlement, and sends the funds freeze information to the second type of bank server according to the suspension payment information sent from the payer to perform the fund freezing; the first type of bank server and the second a type banking server coupled to the network payment server for transferring funds to an account associated with the payee after receiving funds from the second type of bank server; and the second type of bank
  • the server is configured to allocate, according to the trigger information sent by the network payment server, funds associated with the payer and the sold item into a pool of funds, and freeze the funds according to the network payment server.
  • the present invention also provides a network payment method, which is applied to a network payment system, the network payment system comprising a first type of bank server applicable to a payee bank, a second type of bank server applicable to a payer bank, and a network payment server, the network payment method comprising the steps of: the network payment server updating a fund settlement period according to the shipped information sent from the payee and transmitting the trigger information to the second type of bank server The step of triggering the fund settlement; the second type of bank server classifies the funds associated with the payer and the sold item into the pool of funds according to the trigger information sent by the network payment server. a step of transmitting, by the network payment server, the funds freeze information to the second type of bank server according to the suspension payment information sent from the payer; and the second type of bank server according to the network payment server The funds freeze the information to perform the step of freezing the funds.
  • FIG. 1 is a schematic structural diagram of a network payment system according to an embodiment of the present invention.
  • FIG. 2 is a timing diagram of a network payment process according to an embodiment of the present invention.
  • FIG. 3 is a flowchart of a network payment method according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of a network payment method according to another embodiment of the present invention. detailed description
  • FIG. 1 a schematic structural diagram of a network payment system 100 according to an embodiment of the present invention.
  • the network payment system 100 includes a network payment server 101, a first type of bank server 102, a second type of bank server 103, a first type of client terminal 104, and a second type of client terminal 105.
  • the first type of client terminal 104 is adapted to the payee, which is connected to the network payment server 101, and after the payee (ie, the seller) issues the merchandise to the payer (ie, the buyer), according to the instructions of the payee
  • the shipping information is sent to the network payment server 101 to perform an electronic payment voucher confirmation release operation.
  • the network payment server 101 is connected to the first type of bank server 102, the second type of bank server 103, the first type of client terminal 104, and the second type of client terminal 105, which may be, but not limited to, a bank credit based network. Payment platform.
  • the network payment server 101 is configured to update the fund settlement period according to the shipped information sent by the first type client terminal 104 and transmit the trigger information to the second type bank server 103 to trigger the fund settlement. Please note that the paying bank will transfer the funds into the pool of funds after triggering the settlement, and will not transfer the funds from the pool to the payee bank until the actual liquidation.
  • FIG. 2 is a timing diagram of a network payment process according to an embodiment of the present invention.
  • the second type client terminal 105 transmits the suspension payment information to the network payment server 101 in accordance with the instruction of the payer to call the suspension payment operation interface of the network payment server 101 to suspend the payment operation.
  • the network payment server 101 transmits the fund freezing information to the second type bank server 103 to perform the fund freezing according to the suspension payment information sent from the second type client terminal 105.
  • the first type of bank server 102 is adapted to a payee bank that is connected to the second type of bank server 103 and the network payment server 101 for receiving funds (ie, receipts) from the second type of bank server 103 The funds are transferred to an account associated with the first type of client terminal 104.
  • the second type of client terminal 105 is adapted to the payer, which is connected to the network payment server 101. As described above, if the payer disputes the transaction within the automatic payment period T of the electronic payment voucher, the payer can exercise the braking right. At this time, the second type client terminal 105 transmits the suspension payment information to the network payment server 101 in accordance with the instruction of the payer to call the suspension payment operation interface of the network payment server 101 to suspend the payment operation.
  • the second type of bank server 103 is applicable to the payer bank, which is connected to the first type of bank server 102 and the network payment server 101, and associates with the payer and the sold item according to the trigger information sent by the network payment server 101.
  • the funds are allocated to the pool of funds.
  • the second type of bank server 103 is also used to automatically issue the electronic payment voucher period T (for example, 14 days). Payments to the first type of bank server 102 are automatically completed upon expiration. That is, the second type of bank server 103 transfers the merchandise funds from the account associated with the second type of client terminal 105 to the account of the first type of bank server 102 associated with the first type of client terminal 104.
  • the second type of bank server 103 is also used to perform the payment according to the network.
  • the funds 101 of the server 101 freeze information to freeze the funds. After the funds are frozen, they can wait for the payer and the payee (the buyer and the seller) to reach an agreement. If the parties agree to the refund, the second type of bank server 103 transfers the funds from the pool of funds to the account associated with the second type of client terminal 105 (not paid). If the parties agree to continue the transaction, the second type of bank server 103 transfers the merchandise funds from the account associated with the second type of client terminal 105 to the account of the first type of bank server 102 associated with the first type of client terminal 104.
  • the operation here is similar to the expiration auto-complete payment operation described above, which is not clear here.
  • the first type of bank server 102 and the second type of bank server 103 can be integrated on the same bank device; the payer bank and the payee bank can It is the same bank.
  • the paying party exercises the braking right at any time within the automatic payment period T of the electronic payment voucher to trigger the suspension payment, and does not necessarily have to pay the funds out, which can reduce the capital risk and protect the buyer. Interests.
  • FIG. 3 is a flowchart of a network payment method according to an embodiment of the present invention.
  • the network payment method begins after the first type of client terminal 104 (i.e., the payee) issues an item to the second type of client terminal 105 (i.e., the payer), and will be shipped according to the order of the payee.
  • the information is sent to the network payment server 101 to perform an electronic payment voucher confirmation release operation.
  • the network payment server 101 updates the fund settlement period based on the shipped information transmitted from the first type client terminal 104 and transmits the trigger information to the second type bank server 103 to trigger the fund settlement.
  • the second type of bank server 103 allocates funds to the pool of funds in accordance with the trigger information sent by the network payment server 101.
  • the second type of bank server 103 automatically completes the electronic payment certificate automatic settlement period T (for example, 14 days) after the expiration. Payment for one type of bank server 102. That is, the second type bank server 103 transfers the commodity funds from the account associated with the second type client terminal 105 to the first type of silver. An account of the line server 102 associated with the first type of client terminal 104.
  • the payer ie, the buyer
  • the second type client terminal 105 transmits the suspension payment information to the network payment server 101 in accordance with the instruction of the payer to call the suspension payment operation interface of the network payment server 101 to suspend the payment operation.
  • the network payment server 101 transmits the fund freezing information to the second type bank server 103 based on the suspension payment information transmitted from the second type client terminal 105 to perform the fund freezing.
  • the second type of bank server 103 performs fund freezing based on the fund freezing information of the network payment server 101. After the funds are frozen, they can wait for the payer and the payee (the buyer and the seller) to reach an agreement.
  • the second type of bank server 103 transfers the funds from the pool of funds to the account associated with the second type of client terminal 105 (not paid). If the parties agree to continue the transaction, the second type of bank server 103 transfers the merchandise funds from the account associated with the second type of client terminal 105 to the account associated with the first type of client terminal 104 of the first type of bank server 102.
  • FIG. 4 is a flowchart of a network payment method 400 according to another embodiment of the present invention.
  • the network payment method 400 includes the following steps:
  • Step S401 The first type client terminal 104 (ie, the payee) issues an item to the second type client terminal 105 (ie, the payer), and sends the shipped information to the network payment server 101 according to the payee's instruction. Execute the electronic payment voucher to confirm the settlement operation.
  • Step S403 The network payment server 101 updates the fund settlement period according to the shipped information sent by the first type client terminal 104 and transmits the trigger information to the second type bank server 103 to trigger the fund settlement.
  • Step S405 The second type bank server 103 allocates the funds into the pool of funds according to the trigger information sent by the network payment server 101.
  • Step S407 The payer determines whether there is any objection to the transaction within the automatic payment period T of the electronic payment voucher. If there is no objection, go to step S409: the second type bank server 103 automatically completes the first type of bank server 102 after the electronic payment voucher automatic payment period T (for example, 14 days) expires. Payment. That is, the second type of bank server 103 transfers the merchandise funds from the account associated with the second type of client terminal 105 to the account of the first type of bank server 102 associated with the first type of client terminal 104. Subsequently, in step S411, the first type of bank server 102 transfers funds to the account associated with the first type of client terminal 104 after receiving funds (i.e., receipts) from the second type of bank server 103. At this point the network payment process ends.
  • T for example, 14 days
  • the payer i.e., the buyer
  • the second type client terminal 105 transmits the suspension payment information to the network payment server 101 in accordance with the instruction of the payer to call the suspension payment operation interface of the network payment server 101 to suspend the payment operation.
  • the network payment server 101 transmits the fund freezing information to the second type bank server 103 based on the suspension payment information transmitted from the second type client terminal 105 to perform the fund freezing (step S415).
  • the second type bank server 103 performs fund freezing based on the fund freezing information of the network payment server 101 (step S417).
  • the payer and the payee (the buyer and the seller) can be awaited to agree on the agreement (step S419). If the parties agree to the refund, the second type of bank server 103 transfers the funds from the pool of funds to the account associated with the second type of client terminal 105 (not paid). If the parties agree to continue the transaction, the second type of bank server 103 transfers the merchandise funds from the account associated with the second type of client terminal 105 to the account associated with the first type of client terminal 104 of the first type of bank server 102.
  • the payer can exercise the braking right to limit the subsequent process of payment, thereby The payment is invalidated, a security buffer is provided and the security of the payer's payment is protected.

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Abstract

本发明提供了一种网络支付系统，包括：网络支付服务器，用于根据已发货信息来更新资金解付期并且将触发信息发送到第二类型银行服务器来触发资金解付，并且根据中止支付信息而将资金冻结信息发送到第二类型银行服务器来进行资金冻结；第一类型银行服务器，用于在接收资金之后，将资金转入与收款方关联的账户；以及第二类型银行服务器，用于根据触发信息来将资金划入解付资金池中并且根据资金冻结信息来进行资金冻结。本发明提供的网络支付方法及系统为付款方提供了刹车权来限制支付的后续流程，从而提供了安全缓冲并且保护了付款方支付的安全性。

Description

网络支付系统及其方法
技术领域
本发明属于电子商务技术领域， 尤其涉及一种网络支付系统及其方法。 背景技术
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。
目前， 在线电子支付（网络支付） 的结算过程中的安全性瓶颈始终是电子 商务（网络交易）发展进程中的障碍性问题。尤其是对于现行的网络 /移动支付， 在付款方确认支付验证身份成功后， 将直接完成支付。 即使后续交易过程中有 发现任何疑问， 由于支付过程不可逆（无安全緩冲）， 付款方的款项已经支出。 因此其结果只能是由付款方与收款方交涉来退款， 或者更不幸的是付款方的资 金被骗， 从而利益受损。 这种情况是付款方不希望遇到的， 因此需要一种更安 全的网络支付方法及系统。 发明内容 本发明的目的在于提供一种网络支付系统及其方法， 旨在解决现有网络支 付中存在的付款方的资金风险较大的问题。
本发明是这样实现的： 一种网络支付系统， 包括： 适用于收款方银行的第 一类型银行服务器、 适用于付款方银行的第二类型银行服务器、 以及网络支付 服务器， 其特征在于： 所述网络支付服务器与所述第一类型银行服务器和所述 第二类型银行服务器相连接， 用于根据从收款方处发来的已发货信息来更新资 金解付期， 并且根据所述已发货信息来将触发信息发送到所述第二类型银行服 务器来触发资金解付， 并且根据从付款方处发来的中止支付信息而将资金冻结 信息发送到所述第二类型银行服务器来进行资金冻结； 所述第一类型银行服务 器与所述第二类型银行服务器和所述网络支付服务器相连接， 用于在接收到来 自所述第二类型银行服务器的资金之后，将资金转入与所述收款方关联的账户； 以及所述第二类型银行服务器用于根据所述网络支付服务器发送过来的所述触 发信息， 将与所述付款方和所售商品关联的资金划入解付资金池中， 并且根据 所述网络支付服务器的所述资金冻结信息来进行资金冻结。 本发明还提供了一种网络支付方法， 应用于网络支付系统中， 所述网络支 付系统包括适用于收款方银行的第一类型银行服务器、 适用于付款方银行的第 二类型银行服务器、 以及网络支付服务器， 所述网络支付方法包括以下步骤： 所述网络支付服务器根据从收款方处发来的已发货信息来更新资金解付期并且 将触发信息发送到所述第二类型银行服务器来触发资金解付的步骤； 所述第二 类型银行服务器根据所述网络支付服务器发送过来的所述触发信息来将与所述 付款方和所售商品关联的资金划入解付资金池中的步骤； 所述网络支付服务器 根据从付款方处发来的中止支付信息而将资金冻结信息发送到所述第二类型银 行服务器的步骤； 以及所述第二类型银行服务器根据所述网络支付服务器的所 述资金冻结信息来进行资金冻结的步骤。
利用本发明提供的网络支付系统及其方法，在付款方进行网络支付 /移动支 付之后， 如果收款方有任何欺诈或者不诚信的嫌疑， 付款方可行使刹车权来限 制支付的后续流程， 从而使支付失效、 提供了安全緩冲并且保护了付款方支付 的安全性。 附图说明 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说， 在不付 出创造性劳动的前提下， 还可以根据这些附图获得其他的附图。
图 1是本发明一实施例提供的网络支付系统的结构示意图。
图 2是本发明一实施例提供的网络支付过程的时序示意图。
图 3是本发明一实施例提供的网络支付方法的流程图。
图 4是本发明另一实施例提供的网络支付方法的流程图。 具体实施方式
为了使本发明的目的、 技术方案及优点更加清楚明白， 以下结合附图及实 施例， 对本发明进行进一步详细说明。 应当理解， 此处所描述的具体实施例仅 仅用以解释本发明， 并不用于限定本发明。
请参阅图 1示出的本发明实施例的网络支付系统 100的结构示意图。 如图 1所示，网络支付系统 100包括网络支付服务器 101、第一类型银行服务器 102、 第二类型银行服务器 103、第一类型客户终端 104、以及第二类型客户终端 105。
第一类型客户终端 104适用于收款方， 其与网络支付服务器 101相连接， 在收款方 （即， 卖方） 向付款方 （即， 买方）发出商品之后， 根据收款方的指 令将已发货信息发送到网络支付服务器 101 来执行电子支付凭证确认解付操 作。
网络支付服务器 101连接于第一类型银行服务器 102、 第二类型银行服务 器 103、第一类型客户终端 104、 以及第二类型客户终端 105 ,示例但不限制的， 其可以是基于银行信用凭证的网络支付平台。 网络支付服务器 101用于根据第 一类型客户终端 104发送过来的已发货信息， 更新资金解付期并且将触发信息 发送到第二类型银行服务器 103来触发资金解付。 请注意， 付款方银行在触发 解付之后将资金划入解付资金池中， 直至实际清算时点才将解付资金从资金池 划给收款方银行。 图 2是本发明一实施例提供的网络支付过程的时序示意图。 如图 2所示， 在触发资金解付的时间点与付款方银行实际将解付资金从资金池 划给收款方银行的实际解付时间点之间存在一段电子支付凭证自动解付期 T (例如， 14天） 。 在本发明实施例中， 如果付款方（即， 买方）在这段电子支 付凭证自动解付期 T内对这笔交易提出异议， 则付款方 （即， 买方）可以行使 刹车权， 也就是暂停交易。 此时， 第二类型客户终端 105根据付款方的指令将 中止支付信息发送到网络支付服务器 101来调用网络支付服务器 101的中止支 付操作接口以中止支付操作。 对应地， 网络支付服务器 101根据第二类型客户 终端 105发送过来的中止支付信息， 将资金冻结信息发送到第二类型银行服务 器 103来进行资金冻结。
第一类型银行服务器 102适用于收款方银行，其与第二类型银行服务器 103 和网络支付服务器 101相连接， 用于在接收到来自第二类型银行服务器 103的 资金（即， 收款）之后， 将资金转入与第一类型客户终端 104关联的账户。
第二类型客户终端 105适用于付款方， 其与网络支付服务器 101相连接。 如上所述， 如果付款方在电子支付凭证自动解付期 T内对这笔交易提出异议， 则付款方可以行使刹车权。 此时， 第二类型客户终端 105根据付款方的指令将 中止支付信息发送到网络支付服务器 101来调用网络支付服务器 101的中止支 付操作接口以中止支付操作。
第二类型银行服务器 103 , 适用于付款方银行， 其与第一类型银行服务器 102及网络支付服务器 101相连接， 根据网络支付服务器 101发送过来的触发 信息来将与付款方和所售商品关联的资金划入解付资金池中。 如上所述， 如果 付款方在电子支付凭证自动解付期 T内对这笔交易没有提出异议， 则第二类型 银行服务器 103还用于在电子支付凭证自动解付期 T (例如， 14天）到期后自 动完成对第一类型银行服务器 102的付款。 即第二类型银行服务器 103将商品 资金从与第二类型客户终端 105关联的账户划拨到第一类型银行服务器 102的 与第一类型客户终端 104关联的账户。 如果付款方在电子支付凭证自动解付期 T内对这笔交易提出异议， 则第二类型银行服务器 103还用于根据网络支付服 务器 101的资金冻结信息来进行资金冻结。 在资金冻结之后， 可等待付款方和 收款方 （买卖双方） 达成一致协议处理。 若双方同意退款， 则第二类型银行服 务器 103将资金从解付资金池划回与第二类型客户终端 105关联的账户 （不支 付） 。 若双方同意继续交易， 则第二类型银行服务器 103将商品资金从与第二 类型客户终端 105关联的账户划拨到第一类型银行服务器 102的与第一类型客 户终端 104关联的账户。 此处操作类似于上述描述的到期自动完成付款操作， 为筒洁起见， 此处不另赘述。
通过以上对图 1所示实施例的描述， 本领域技术人员应当知晓， 第一类型 银行服务器 102与第二类型银行服务器 103可集成于同一银行端设备上； 付款 方银行与收款方银行可以是同一银行。
在本发明提供的网络支付系统中， 付款方在电子支付凭证自动解付期 T内 的任意时间行使刹车权来触发中止支付， 而不一定必须将资金支付出去， 可以 降低资金风险， 保障买家的利益。
图 3是本发明一实施例提供的网络支付方法的流程图。 在操作中， 网络支 付方法开始于在第一类型客户终端 104 (即， 收款方）向第二类型客户终端 105 (即， 付款方）发出商品之后， 根据收款方的指令将已发货信息发送到网络支 付服务器 101来执行电子支付凭证确认解付操作。 网络支付服务器 101根据第 一类型客户终端 104发送过来的已发货信息， 更新资金解付期并且将触发信息 发送到第二类型银行服务器 103来触发资金解付。 第二类型银行服务器 103根 据网络支付服务器 101发送过来的触发信息来将资金划入解付资金池中。
如上所述， 在触发资金解付的时间点与付款方银行实际将解付资金从资金 池划给收款方银行的实际解付时间点之间存在一段电子支付凭证自动解付期 T (例如， 14天）。 如果付款方在电子支付凭证自动解付期 T内对这笔交易没有 提出异议， 则第二类型银行服务器 103在电子支付凭证自动解付期 T (例如， 14天）到期后自动完成对第一类型银行服务器 102的付款。 即第二类型银行服 务器 103将商品资金从与第二类型客户终端 105关联的账户划拨到第一类型银 行服务器 102的与第一类型客户终端 104关联的账户。
如果付款方在电子支付凭证自动解付期 T内对这笔交易提出异议则付款方 (即， 买方）可以行使刹车权。 此时， 第二类型客户终端 105根据付款方的指 令将中止支付信息发送到网络支付服务器 101来调用网络支付服务器 101的中 止支付操作接口以中止支付操作。 网络支付服务器 101根据第二类型客户终端 105发送过来的中止支付信息，将资金冻结信息发送到第二类型银行服务器 103 来进行资金冻结。 第二类型银行服务器 103根据网络支付服务器 101的资金冻 结信息来进行资金冻结。 在资金冻结之后， 可等待付款方和收款方（买卖双方） 达成一致协议处理。 若双方同意退款， 则第二类型银行服务器 103将资金从解 付资金池划回与第二类型客户终端 105关联的账户 （不支付） 。 若双方同意继 续交易， 则第二类型银行服务器 103将商品资金从与第二类型客户终端 105关 联的账户划拨到第一类型银行服务器 102的与第一类型客户终端 104关联的账 户。
图 4是本发明另一实施例提供的网络支付方法 400的流程图。 该网络支付 方法 400包括以下步骤：
步骤 S401 : 第一类型客户终端 104 (即， 收款方）向第二类型客户终端 105 (即， 付款方）发出商品， 根据收款方的指令将已发货信息发送到网络支付服 务器 101来执行电子支付凭证确认解付操作。
步骤 S403: 网络支付服务器 101根据第一类型客户终端 104发送过来的已 发货信息， 更新资金解付期并且将触发信息发送到第二类型银行服务器 103来 触发资金解付。
步骤 S405: 第二类型银行服务器 103根据网络支付服务器 101发送过来的 触发信息来将资金划入解付资金池中。
步骤 S407:付款方在电子支付凭证自动解付期 T内判断对这笔交易是否有 异议。 如果无异议， 则转到步骤 S409:第二类型银行服务器 103在电子支付凭 证自动解付期 T (例如， 14天）到期后自动完成对第一类型银行服务器 102的 付款。 即第二类型银行服务器 103将商品资金从与第二类型客户终端 105关联 的账户划拨到第一类型银行服务器 102的与第一类型客户终端 104关联的账户。 随后，在步骤 S411中，第一类型银行服务器 102在接收到来自第二类型银行服 务器 103的资金（即， 收款）之后， 将资金转入与第一类型客户终端 104关联 的账户。 这时网络支付过程结束。
再次回到步骤 S407 ,如果付款方在电子支付凭证自动解付期 T内对这笔交 易提出异议， 则付款方（即， 买方）可以行使刹车权（步骤 S413 ) 。 此时， 第 二类型客户终端 105根据付款方的指令将中止支付信息发送到网络支付服务器 101来调用网络支付服务器 101 的中止支付操作接口以中止支付操作。 网络支 付服务器 101根据第二类型客户终端 105发送过来的中止支付信息， 将资金冻 结信息发送到第二类型银行服务器 103来进行资金冻结（步骤 S415 )。 第二类 型银行服务器 103根据网络支付服务器 101的资金冻结信息来进行资金冻结（步 骤 S417 ) 。 在资金冻结之后， 可等待付款方和收款方（买卖双方）达成一致协 议处理（步骤 S419 )。 若双方同意退款， 则第二类型银行服务器 103将资金从 解付资金池划回与第二类型客户终端 105关联的账户 （不支付） 。 若双方同意 继续交易， 则第二类型银行服务器 103将商品资金从与第二类型客户终端 105 关联的账户划拨到第一类型银行服务器 102的与第一类型客户终端 104关联的 账户。
利用本发明提供的网络支付系统及方法，在付款方进行网络支付 /移动支付 之后， 如果收款方有任何欺诈或者不诚信的嫌疑， 付款方可行使刹车权来限制 支付的后续流程， 从而使支付失效、 提供了安全緩冲并且保护了付款方支付的 安全性。
以上所述仅为本发明的较佳实施例而已， 并不用以限制本发明， 凡在本发 明的精神和原则之内所作的任何修改、 等同替换和改进等， 均应包含在本发明 的保护范围之内。

Claims

权 利 要 求 书
1、 一种网络支付系统， 包括： 适用于收款方银行的第一类型银行服务器、 适用于付款方银行的第二类型银行服务器、 以及网络支付服务器， 其特征在于： 所述网络支付服务器与所述第一类型银行服务器和所述第二类型银行服务 器相连接， 用于根据从收款方处发来的已发货信息来更新资金解付期， 并且根 据所述已发货信息来将触发信息发送到所述第二类型银行服务器来触发资金解 付， 并且根据从付款方处发来的中止支付信息而将资金冻结信息发送到所述第 二类型银行服务器来进行资金冻结；
所述第一类型银行服务器与所述第二类型银行服务器和所述网络支付服务 器相连接， 用于在接收到来自所述第二类型银行服务器的资金之后， 将资金转 入与所述收款方关联的账户； 以及
所述第二类型银行服务器用于根据所述网络支付服务器发送过来的所述触 发信息， 将与所述付款方和所售商品关联的资金划入解付资金池中， 并且根据 所述网络支付服务器的所述资金冻结信息来进行资金冻结。
2、 如权利要求 1所述的网络支付系统， 还包括：
适用于所述收款方的第一类型客户终端， 与所述网络支付服务器相连接， 用于在所述收款方向所述付款方发出商品之后， 根据所述收款方的指令将已发 货信息发送到所述网络支付服务器来执行电子支付凭证确认解付操作； 以及 适用于所述付款方的第二类型客户终端， 与所述网络支付服务器相连接， 用于根据所述付款方的指令将所述中止支付信息发送到所述网络支付服务器来 调用所述网络支付服务器的中止支付操作接口以中止支付操作。
3、 如权利要求 2所述的网络支付系统， 其特征在于， 在触发资金解付的时 间点与所述第二类型银行服务器的实际解付时间点之间有一段电子支付凭证自 动解付期，如果所述付款方在所述电子支付凭证自动解付期间对交易提出异议， 则所述付款方发出指令来通过所述第二类型终端将所述中止支付信息发送到所 述网络支付服务器以中止支付操作。
4、 如权利要求 1所述的网络支付系统， 其特征在于， 在触发资金解付的时 间点与所述第二类型银行服务器的实际解付时间点之间有一段电子支付凭证自 动解付期， 如果所述付款方在所述电子支付凭证自动解付期间对交易没有提出 异议， 则所述第二类型银行服务器在所述电子支付凭证自动解付期到期后将资 金从与所述付款方关联的账户划拨到所述第一类型银行服务器的与所述收款方 关联的账户。
5、 如权利要求 1所述的网络支付系统， 其特征在于， 所述第二类型银行服 务器还用于根据所述付款方和所述收款方的协议处理结果来对所述冻结的资金 进行处理， 如果所述付款方和所述收款方同意退款， 则所述资金从所述解付资 金池划回与所述付款方关联的账户， 并且如果所述付款方和所述收款方同意继 续交易， 则所述第二类型银行服务器将所述资金从与所述付款方关联的账户划 拨到所述第一类型银行服务器的与所述收款方关联的账户。
6、 一种网络支付方法， 应用于网络支付系统中， 所述网络支付系统包括适 用于收款方银行的第一类型银行服务器、 适用于付款方银行的第二类型银行服 务器、 以及网络支付服务器， 所述网络支付方法包括以下步骤：
所述网络支付服务器根据从收款方处发来的已发货信息来更新资金解付期 并且将触发信息发送到所述第二类型银行服务器来触发资金解付的步骤；
所述第二类型银行服务器根据所述网络支付服务器发送过来的所述触发信 息来将与所述付款方和所售商品关联的资金划入解付资金池中的步骤；
所述网络支付服务器根据从付款方处发来的中止支付信息而将资金冻结信 息发送到所述第二类型银行服务器的步骤； 以及
所述第二类型银行服务器根据所述网络支付服务器的所述资金冻结信息来 进行资金冻结的步骤。
7、 如权利要求 6所述的方法， 其特征在于， 所述网络支付系统还包括适用 于所述收款方的第一类型终端和适用于所述付款方的第二类型终端， 并且在触 发资金解付的时间点与所述第二类型银行服务器的实际解付时间点之间有一段 电子支付凭证自动解付期， 其中所述网络支付方法还包括以下步骤：
如果所述付款方在所述电子支付凭证自动解付期间对交易提出异议， 则所 述付款方发出指令来通过所述第二类型终端将所述中止支付信息发送到所述网 络支付服务器以中止支付操作的步骤。
8、 如权利要求 7所述的方法， 还包括：
如果所述付款方在所述电子支付凭证自动解付期间对交易没有提出异议， 则所述第二类型银行服务器在所述电子支付凭证自动解付期到期后将资金从与 所述付款方关联的账户划拨到所述第一类型银行服务器的与所述收款方关联的 账户的步骤。
9、 如权利要求 6所述的方法， 还包括：
所述第二类型银行服务器根据所述付款方和所述收款方的同意退款协议处 理结果来将所述冻结的资金从所述解付资金池划回与所述付款方关联的账户的 步骤； 以及
所述第二类型银行服务器根据所述付款方和所述收款方的继续交易协议处 理结果来将所述冻结的资金从与所述付款方关联的账户划拨到所述第一类型银 行服务器的与所述收款方关联的账户的步骤。
10、 如权利要求 6所述的方法， 还包括：
所述第一类型银行服务器在接收到来自所述第二类型银行服务器的资金之 后， 将资金转入与所述收款方关联的账户的步骤。
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