WO2015172276A1 - 网络支付方法和系统 - Google Patents
网络支付方法和系统 Download PDFInfo
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- WO2015172276A1 WO2015172276A1 PCT/CN2014/077209 CN2014077209W WO2015172276A1 WO 2015172276 A1 WO2015172276 A1 WO 2015172276A1 CN 2014077209 W CN2014077209 W CN 2014077209W WO 2015172276 A1 WO2015172276 A1 WO 2015172276A1
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- 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
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- 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]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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- 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
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- 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
- G06Q20/108—Remote banking, e.g. home banking
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- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- 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
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- 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
- G06Q20/403—Solvency checks
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
Definitions
- 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.
- 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 current online electronic payment (network payment) methods mainly include bank online banking payment (including credit card payment) and third party payment.
- bank online banking payment including credit card payment
- third party payment The general flow of their Internet-based online payment is as follows:
- 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.
- 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.
- 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.
- the credit bottleneck in the settlement process of online electronic payment is always an obstacle in the development process of e-commerce.
- the form of third-party payment company guarantee is less risky.
- the payer (payer) customer the funds have already been paid to the third-party payment company when the goods are not received, and once the third-party payment company has problems, the payer The client's funds are not guaranteed. Therefore, in the form of third-party payment company guarantees, the financial risk of the paying party customers is still relatively large.
- a network payment method is applied to a network payment system, where the network payment system includes a first type of bank server, a first type of client terminal, a second type of bank server, and a second type of client terminal, a network server and a network payment server, the network payment method comprising the steps of: sending, by the first type of client terminal, the application information to the network payment server to apply for a commitment payment information data packet;
- the application information sent by the first type client terminal generates a temporary commitment payment information data packet, and sends the temporary commitment payment information data packet to the first type of bank server;
- the first type of bank server receives a step of verifying the temporary commitment payment information data sent by the network payment server, and verifying the temporary commitment payment information data packet; if the verification is successful, the first type of bank server according to the temporary commitment payment information data packet Generate committed payment information Package, and freezing of funds, the funds freezing step of the second type information is transmitted to the bank server; client type of the first end Determining whether to suspend the step of disburs
- the step of the first type client terminal submitting the ruling application to the public authority and sending the settlement request to the network payment server further comprises: the network payment server receiving the first type of customer a step of extending the release period of the funds after the application for extending the cancellation period sent by the terminal; and the step of receiving, by the first type of bank server, the notification of the acceptance of the decision and the result of the determination from the public authority.
- the step of the first type of bank server notifying the network payment server that the commitment payment information data packet is invalidated to cause the network payment server to unfreeze funds further comprises: the network payment server is from the a step of transmitting the thawed funds information to the first type of bank server after receiving a notification that the promised payment information data packet has expired; and the first type of bank server is from the network payment server The step of thawing funds associated with the first type of client terminal after receiving the thawed funds information.
- the network payment method further includes the following steps: the second type of bank server receives the fund freezing information sent by the first type of bank server, and sends the fund freezing information to the first a step of the second type of client terminal; and the second type of client terminal generates the deliverable information after receiving the fund freezing information sent by the second type of bank server, and sends the deliverable to the logistics server The steps of the information.
- the network payment method further includes the following steps: after receiving the deliverable information sent by the second type client terminal, the logistics server performs a shipping operation, and sends the shipped information to The steps of the network payment server.
- the network payment method further includes the following steps: the network payment server receives the After the shipped information sent by the logistics server, the step of sending the shipped information to the first type of bank server.
- the network payment method further comprises the step of: after the goods are signed, the logistics server sends the signed information to the network payment server.
- the network payment method further includes the following steps: the step of the network payment server transmitting the signed information to the first type of bank server after receiving the signed information sent by the logistics server .
- the network payment method further includes the following steps: the step of sending, by the first type of bank server, the payment request key information to the network payment server after receiving the signed information; the network payment server Saving the payment request key information, and transmitting the payment request key information to the second type client terminal; the second type client terminal receiving the payment request sent by the network payment server Key information, the step of transmitting the payment request key information to the second type of bank server; and the second type of bank server generating payment request information according to the payment request key information, and The step of sending payment request information to the first type of bank server.
- the network payment method further includes the following steps: the first type of bank server receives the payment request information sent by the second type of bank server, and verifies the payment request key information in the payment request information. Accuracy, if the verification is correct, the payment operation is performed to the payer bank, and the information of the already paid information is fed back to the second type of bank server.
- the present invention also provides a network payment system, comprising: a first type of bank server, a first type of client terminal, a second type of bank server, a second type of client terminal, a logistics server, and a network payment server, wherein: the first a type client terminal, applicable to a payer client, connected to the first type of bank server, the logistics server, and the network payment server, and sending application information to the network payment server according to an instruction of the payer client to apply for a promise Payment information packet, and determining to suspend the payment of the funds during the payment process, if the need to suspend the payment, the first category
- the type client terminal submits a ruling application to the public authority and sends a settlement request extension request to the network payment server;
- the network payment server is connected to the first type client terminal, the first type bank server, the And the second type client terminal and the logistics server generate a temporary commitment payment information data packet according to the application information sent by the first type client terminal, and send the temporary commitment payment information data packet to the first a type of bank server; the
- the funds will be frozen Sent to the second type of bank server, and if it is necessary to terminate the settlement during the payment process, the first type of bank server notifies the network payment server that the committed payment information data packet has expired to cause the network payment server Thawing funds; the second type of bank server, applicable to a payee bank, connected to the first type of bank server and the second type of client terminal, receiving the funds sent by the first type of bank server Freezing the information, and transmitting the funds freeze information to the second type of client terminal; the second type of client terminal is applicable to a payee client, the second type of bank server, the logistics server, and the The network payment server is connected to receive the funds freezing information sent by the second type of bank server, generate the deliverable information, send the deliverable information to the logistics server to apply for the delivery; and the logistics server is applicable.
- the network payment server For a logistics enterprise, with the first type of client terminal, the second type of customer The terminal and the network payment server are connected, and after receiving the deliverable information sent by the second type client terminal, perform a shipping operation, and send the shipped information to the network payment server.
- the network payment server extends the release period of the funds after receiving the application for extension of the cancellation period sent by the first type of client terminal, and the first type of bank server is from the public authority Receive the notice of acceptance of the award and the result of the award.
- the network payment server receives the relevant information from the first type of bank server After the notification of the promised payment information data packet is invalidated, the defrosted fund information is sent to the first type of bank server; and the first type of bank server is thawed after receiving the defrosted fund information from the network payment server Funds associated with the first type of client terminal.
- the network payment server further sends the signed information to the first type of bank server after receiving the signed information sent by the logistics server, and receives the first type
- the payment request key information is saved by the bank server, and the payment request key information is saved, and the payment request key information is sent to the second type client terminal.
- the second type client terminal after receiving the payment request key information sent by the network payment server, the second type client terminal sends the payment request key information to the second type bank server.
- the second type of bank server further generates the payment request information after receiving the payment request key information sent by the second type client terminal, and sends the payment request information to the first A type of bank server, and after receiving the payment information sent by the first type of bank server, performing a payment operation to the payee customer.
- the first type of bank server sends the payment request key information to the network payment server, and receives the second type of bank server. The payment request information is then subjected to a payment operation to the payer bank, and the already paid information is fed back to the second type of bank server.
- the logistics server further sends the signed receipt information to the network payment server and the second type client terminal after the payment party customer signs the receipt.
- the network payment method and system provided by the invention for the paying party customer, only the funds are frozen, and the funds need not be paid out, which can reduce the capital risk and protect the interests of the paying party customers.
- FIG. 1 is a schematic structural diagram of a network payment system according to an embodiment of the present invention.
- 2A-2C are flowcharts of a network payment method according to an embodiment of the present invention. detailed description
- FIG. 1 is 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 first type of bank server 110, a first type of client terminal 111, a second type of bank server 120, a second type of client terminal 121, a logistics server 130, and a network payment server 150.
- the first type of client terminal 111 is adapted to a payer client, which is connected to the first type of bank server 110, the logistics server 130, and the network payment server 150.
- the application information is sent according to the instruction of the paying party customer.
- the network payment server 150 applies for a commitment payment information data packet (for example, a bank credit certificate), wherein the application information includes: a payer bank, a payment amount, and a payment currency information.
- the first type client terminal 111 also determines whether to suspend the fund settlement depending on the situation after receiving the settlement prompt from the second type client terminal 121. If the payment is not suspended, the network payment server 150 performs fund clearing, and then the funds are transferred to the account associated with the second type of client terminal.
- the first type client terminal 111 submits a decision application to the public authority (not shown) and transmits a settlement period extension to the network payment server 150.
- the application is made to allow the network payment server 150 to extend the pre-payment period of the funds.
- the network payment server 150 is connected to the first type client terminal 111, the first type bank server 110, the second type client terminal 121, and the logistics server 130, according to the first type client terminal 111.
- the sent application information generates a temporary commitment payment information data packet, and sends the temporary commitment payment information data packet to the first type of bank server 110.
- the network payment server 150 also transmits the signed information to the first type of bank server 110 after receiving the signed information of the logistics server 130, and saves the payment after receiving the payment request key information sent by the first type of bank server 110.
- the key information is requested and sent to the second type client terminal 121, wherein the payment request key is a password for releasing the frozen funds.
- the network payment server 150 also extends the release period of the relevant funds after receiving the cancellation period extension application sent by the first type client terminal 111.
- the network payment server 150 also transmits the defrosted fund information to the first type of bank server 110 after receiving a notification from the first type of bank server 110 regarding the lapse of the promised payment information packet (e.g., bank credit).
- the first type of bank server 110 is adapted to the payer bank, which is connected to the first type of client terminal 111, the second type of bank server 120, and the network payment server 150, and after receiving the temporary commitment payment information data packet sent by the network payment server 150.
- the temporary commitment payment information packet is verified. If the verification is successful (that is, the information of the temporary commitment payment information packet is legal), the authorization is successful, and the first type of bank server 110 generates the temporary commitment payment information packet.
- Promising a payment information packet for example, a bank credit
- a fund freeze to send the funds freeze information to the second type of bank server 120
- the rejection information is then fed back to the first type of client terminal 111 and the network payment server 150.
- the first type of bank server 110 after receiving the signed information, transmits the payment request key information to the network payment server 150, and performs a payment operation to the payer bank after receiving the payment request information sent by the second type of bank server 120. And the information that has been paid is fed back to the second type of bank server 120.
- the first type bank server 110 After the public authority (not shown) receives the award application from the first type client terminal 111, the first type bank server 110 also receives the award acceptance notice and the decision result from the public authority (not shown). If the result of the decision is to continue to pay, the network payment server 150 performs fund clearing, and then the funds are transferred to the account associated with the second type of client terminal. If the result of the ruling is termination of payment, the first type of bank server 110 notifies the network payment server 150 that the promised payment information packet (e.g., bank credit) has expired. In addition, a commitment payment information packet (for example, silver The bank's credit certificate may also be invalid due to reasons such as overdue receipt, overdue performance, overdue payment and other reasons. The first type of bank server 110 also thaws the funds associated with the first type of client terminal 111 after receiving the defrosted funds information from the network payment server 150.
- the promised payment information packet e.g., bank credit
- a commitment payment information packet for example, silver
- the second type of client terminal 121 is adapted to the payee client, which is connected to the second type of bank server 120, the logistics server 130, and the network payment server 150, and the second type of client terminal 121 receives the funds sent by the second type of bank server 120.
- the deliverable information is generated (at the same time, the network payment server 150, the first type bank server 110, and the first type client terminal 111 are submitted to the delivery prompt), and the deliverable information is sent to the logistics server 130 for application.
- the second type of bank server 120 is applicable to the payee bank, and is connected to the first type of bank server 110 and the second type of client terminal 121, receives the fund freezing information sent by the first type of bank server 110, and freezes the funds. The information is sent to the second type client terminal 121.
- the second type of bank server 120 also generates payment request information after receiving the payment request key information transmitted by the second type client terminal 121, transmits the payment request information to the first type of bank server 110, and receives the first type of bank. After the server 110 sends the payment information, the payment operation is performed to the payee customer.
- the logistics server 130 is applicable to a logistics enterprise, which is connected to the first type client terminal 111, the second type client terminal 121, and the network payment server 150, after receiving the deliverable information sent by the second type client terminal 121, The shipping operation is performed, and the shipped information is sent to the network payment server 150.
- the logistics server 130 also transmits the signed information to the network payment server 150 and the second type client terminal 121 after the payment party customer signs the receipt.
- the first type client terminal 111 and the second type client terminal 121 can be integrated on the same client device, such as a mobile phone, a computer, a PDA, or a POS.
- client device such as a mobile phone, a computer, a PDA, or a POS.
- the first type of bank server 110 and the second type of bank server 120 can also be integrated on the same bank device; the payer bank and the payee bank Can be the same bank.
- the network payment server 150 plays a key role.
- the network payment server 150 is an electronic payment platform and tool based on bank-level credits (e.g., bank credentials).
- Bank credit certificates are an innovative Internet financial instrument that is paid for by bank credit guarantees.
- 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.
- 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 payment, 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 Mainly for the transaction target, the transaction can be completed without physical delivery, that is, all kinds of non-physical goods transactions. Specifically, Series 1 is temporarily replaced by CP300;
- 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 CP500. (for example: electronic appliances, clothing department stores, etc. related transactions);
- 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).
- 2A-2C are flowcharts of a network payment method 200 according to an embodiment of the present invention. 2A-2C will be described below with reference to FIG. As shown in Figures 2A-2C, the network payment method 200 provided by the present invention includes the following steps:
- Step S201 The first type client terminal 111 applies to the network payment server 150 for a commitment payment information data packet (for example, a bank credit certificate), that is, the first type client terminal 111 according to the payer client
- the instruction sends the application information to the network payment server 150 to apply for a promised payment information packet.
- the application information includes: the payer bank, the payment amount, and the payment currency information.
- Step S203 The network payment server 150 generates a temporary commitment payment information data packet, that is, the network payment server 150 generates a temporary commitment payment information data packet according to the application information sent by the first type client terminal 111, and generates the temporary commitment payment information data packet. Sent to the first type of bank server 110.
- Step S205 The first type of bank server 110 checks the temporary commitment payment information data packet, that is, the first type of bank server 110 receives the temporary commitment payment information data packet sent by the network payment server 150, and temporarily commits the payment information data to the temporary payment information data packet. If the verification is successful (that is, the information of the temporary commitment payment information packet is legal), step S207 is performed, and if it fails (that is, the information of the temporary commitment payment information packet is illegal), step S209 is performed. .
- Step S207 The first type of bank server 110 generates a commitment payment information data packet (for example, a bank credit certificate) according to the temporary commitment payment information data packet, and performs fund freezing to send the fund freezing information to the second type bank server 120.
- a commitment payment information data packet for example, a bank credit certificate
- Step S209 The first type of bank server 110 feeds back the rejection information to the first type client terminal 111 and the network payment server 150.
- Step S211 The second type bank server 120 receives the fund freezing information sent by the first type bank server 110, and sends the fund freezing information to the second type client terminal 121.
- Step S213 The second type client terminal 121 receives the fund freezing information sent by the second type bank server 120, generates the deliverable information, and sends the deliverable information to the logistics server 130.
- Step S215 At the same time as step S213 (may also be before or after step S213), the second type client terminal 121 sequentially submits the settlement to the network payment server 150, the first type bank server 110, and the first type client terminal 111. prompt.
- Step S217 After receiving the settlement prompt from the second type client terminal 121, the first type client terminal 111 determines whether to suspend the fund settlement according to the situation. If the settlement is not suspended (i.e., the payment is continued), step S219 is performed. Step S219: After receiving the deliverable information sent by the second type client terminal 121, the logistics server 130 performs a shipping operation, and sends the shipped information to the network payment server 150.
- Step S221 After receiving the shipped information sent by the logistics server 130, the network payment server 150 sends the shipped information to the first type of bank server 110, where the shipped information includes a logistics order number.
- Step S223 After the goods are signed, the logistics server 130 sends the signed information to the network payment server 150 and the second type client terminal 121, wherein the signed information includes the receipt details, for example: the time of signing, the signing of the person, or the signature of others. information.
- Step S225 After receiving the signed information sent by the logistics server 130, the network payment server 150 sends the signed information to the first type of bank server 110.
- Step S227 After receiving the signed information, the first type of bank server 110 sends the payment request key information to the network payment server 150, wherein the payment request refers to requesting the release of the funds, and the payment request key information is the release of the funds. Password.
- Step S229 The network payment server 150 saves the payment request key information it has received, and transmits the payment request key information to the second type client terminal 121.
- Step S231 After receiving the payment request key information sent by the network payment server 150, the second type client terminal 121 sends the payment request key information to the second type bank server 120.
- Step S233 After receiving the payment request key information sent by the second type client terminal 121, the second type bank server 120 generates payment request information according to the payment request key information, and sends the payment request information to the first type bank.
- the server 110 wherein the payment request information includes payment request key information.
- Step S235 After receiving the payment request information sent by the second type bank server 120, the first type bank server 110 performs a payment operation to the payer bank, and feeds back the already paid information to the second type bank server 120. After receiving the payment request information, the first type of bank server 110 verifies the accuracy of the payment request key information, and only performs the payment operation when the verification is correct.
- the receiving bank After the receiving bank receives the funds, it transfers the funds into the payee's customer account, and the entire online payment stream The process is completed.
- step S237 is performed: the first type client terminal 111 submits a decision application to the public authority (not shown) and The network payment server 150 sends a release period extension request to cause the network payment server 150 to extend the pre-release period of the funds.
- Step S239 The network payment server 150 extends the release period of the relevant funds after receiving the application for extension of the settlement period sent by the first type client terminal 111.
- Step S241 After receiving the ruling application from the first type client terminal 111 by the public authority (not shown), the first type bank server 110 also receives the ruling acceptance notification and the ruling result from the public authority (not shown). .
- Step S243 If the result of the decision received from the public authority is the settlement, the process returns to step S219 and subsequent steps. If the result of the decision is to terminate the settlement, step S245 is performed.
- Step S245 The first type of bank server 110 notifies the network payment server 150 that the commitment payment information packet (e.g., bank credit) is invalid.
- the promised payment information package for example, bank credit
- the promised payment information package may also be invalid due to overdue receipt, overdue performance, overdue payment, etc.
- Step S247 The network payment server 150 transmits the defrosted fund information to the first type bank server 110 after receiving the notification from the first type bank server 110 that the promised payment information data packet (e.g., bank credit) has expired.
- the promised payment information data packet e.g., bank credit
- Step S249 The first type of bank server 110, after receiving the defrosted fund information from the network payment server 150, thaws the funds associated with the first type of client terminal 111.
- the paying bank re-transfers the funds into the payer's customer account, and the entire online payment process is completed.
- the network payment method and method provided by the above embodiments of the present invention for the paying party customer, merely freezes the funds and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the paying party customers.
- the network payment method and method provided by the above embodiments of the present invention do not require the paying party customer to confirm the receipt of the goods, and as long as the logistics sends back the receipt information, the payee customer can receive the funds. Therefore, the risk of the recipient's funds is also reduced, and the interests of the payee's customers are guaranteed.
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Abstract
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Priority Applications (9)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA3048370A CA3048370C (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
CA3048268A CA3048268C (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
CN201480003088.0A CN104813347A (zh) | 2014-05-12 | 2014-05-12 | 网络支付方法和系统 |
CA3048375A CA3048375C (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
PCT/CN2014/077209 WO2015172276A1 (zh) | 2014-05-12 | 2014-05-12 | 网络支付方法和系统 |
CA2985890A CA2985890C (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
CA3048266A CA3048266C (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
CA3048263A CA3048263C (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
CA3048342A CA3048342C (en) | 2014-05-12 | 2014-05-12 | Network payment method and system |
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PCT/CN2014/077209 WO2015172276A1 (zh) | 2014-05-12 | 2014-05-12 | 网络支付方法和系统 |
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WO2015172276A1 true WO2015172276A1 (zh) | 2015-11-19 |
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PCT/CN2014/077209 WO2015172276A1 (zh) | 2014-05-12 | 2014-05-12 | 网络支付方法和系统 |
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CN (1) | CN104813347A (zh) |
CA (7) | CA3048370C (zh) |
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CN105827659B (zh) * | 2016-05-30 | 2019-11-15 | 中国邮政储蓄银行股份有限公司 | 应用于移动终端的安全控制系统 |
CN108985752A (zh) * | 2018-06-29 | 2018-12-11 | 杭州复杂美科技有限公司 | 一种支付方法及系统、设备和存储介质 |
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CN1560773A (zh) * | 2004-02-21 | 2005-01-05 | 丽 王 | 网上结算信用证 |
CN101436279A (zh) * | 2008-12-19 | 2009-05-20 | 福建今日特价网络有限公司 | 一种网上交易支付系统及方法 |
CN101477665A (zh) * | 2008-12-19 | 2009-07-08 | 福建今日特价网络有限公司 | 协同数字营销系统及方法 |
CN102930469A (zh) * | 2012-11-13 | 2013-02-13 | 中国民生银行股份有限公司 | 转账数据处理方法和装置 |
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JP2002135353A (ja) * | 2000-10-19 | 2002-05-10 | Matsushita Electric Ind Co Ltd | データ配信システム |
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- 2014-05-12 CA CA3048370A patent/CA3048370C/en active Active
- 2014-05-12 CA CA3048268A patent/CA3048268C/en active Active
- 2014-05-12 CN CN201480003088.0A patent/CN104813347A/zh active Pending
- 2014-05-12 CA CA3048342A patent/CA3048342C/en active Active
- 2014-05-12 CA CA2985890A patent/CA2985890C/en active Active
- 2014-05-12 CA CA3048266A patent/CA3048266C/en active Active
- 2014-05-12 CA CA3048375A patent/CA3048375C/en active Active
- 2014-05-12 WO PCT/CN2014/077209 patent/WO2015172276A1/zh active Application Filing
- 2014-05-12 CA CA3048263A patent/CA3048263C/en active Active
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN1560773A (zh) * | 2004-02-21 | 2005-01-05 | 丽 王 | 网上结算信用证 |
CN101436279A (zh) * | 2008-12-19 | 2009-05-20 | 福建今日特价网络有限公司 | 一种网上交易支付系统及方法 |
CN101477665A (zh) * | 2008-12-19 | 2009-07-08 | 福建今日特价网络有限公司 | 协同数字营销系统及方法 |
CN102930469A (zh) * | 2012-11-13 | 2013-02-13 | 中国民生银行股份有限公司 | 转账数据处理方法和装置 |
Also Published As
Publication number | Publication date |
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CA3048263A1 (en) | 2015-11-19 |
CN104813347A (zh) | 2015-07-29 |
CA3048375C (en) | 2023-02-07 |
CA3048342C (en) | 2022-03-15 |
CA3048370A1 (en) | 2015-11-19 |
CA3048266A1 (en) | 2015-11-19 |
CA3048266C (en) | 2023-02-07 |
CA2985890A1 (en) | 2015-11-19 |
CA3048263C (en) | 2023-02-07 |
CA3048342A1 (en) | 2015-11-19 |
CA3048375A1 (en) | 2015-11-19 |
CA3048268A1 (en) | 2015-11-19 |
CA3048268C (en) | 2023-09-19 |
CA3048370C (en) | 2024-03-19 |
CA2985890C (en) | 2020-07-28 |
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