WO2016019535A1 - 一种邮箱支付方法及邮箱支付系统 - Google Patents

一种邮箱支付方法及邮箱支付系统 Download PDF

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Publication number
WO2016019535A1
WO2016019535A1 PCT/CN2014/083839 CN2014083839W WO2016019535A1 WO 2016019535 A1 WO2016019535 A1 WO 2016019535A1 CN 2014083839 W CN2014083839 W CN 2014083839W WO 2016019535 A1 WO2016019535 A1 WO 2016019535A1
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WO
WIPO (PCT)
Prior art keywords
payment
email
mailbox
verification
account
Prior art date
Application number
PCT/CN2014/083839
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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.)
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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 CN201480003218.0A priority Critical patent/CN105431870A/zh
Priority to PCT/CN2014/083839 priority patent/WO2016019535A1/zh
Priority to CA2993684A priority patent/CA2993684C/en
Publication of WO2016019535A1 publication Critical patent/WO2016019535A1/zh

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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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems

Definitions

  • the present invention relates to the field of payment technologies, and more particularly to a mailbox payment method and a mailbox payment system.
  • mobile phone verification payment methods are popular because of their ease of operation.
  • mobile phone verification payment methods are not perfect, there are at least the following defects:
  • Payment efficiency is low.
  • the mobile phone verification payment method can only realize one online payment transaction at a time, and cannot realize the batch payment of multiple online payment transactions.
  • the user needs to complete the payment of multiple orders, such as the user using the mobile phone to verify the payment method, it is both cumbersome and time consuming.
  • the technical problem to be solved by the present invention is to provide a mailbox payment method and a mailbox payment system for the above-mentioned drawbacks of the prior art.
  • the technical solution adopted by the present invention to solve the technical problem thereof is: constructing a mailbox payment method, comprising the following steps;
  • the email payment verification center returns the prompt information of the failure to submit the email payment request to the payer's mailbox when the payment email login verification request is not passed, or the corresponding one or more when the payment email login verification request is approved
  • the payment confirmation information of the online payment transaction is sent to the designated payee mailbox;
  • the email payment verification center receives the payment mailbox login verification request for confirming the one or more online payment transactions, performs security verification on the payment mailbox login verification request, and when the payment email login verification request is approved, The relevant bank server (400) involved in each online payment transaction is instructed to complete the subsequent settlement process of the online payment transaction.
  • the method further includes the following steps:
  • the email payment verification center records the payment email registration information including the payment email account and the payment email password, and the registration email registration information including the payment email account and the payment email password, and saves the record information to the database.
  • the payment terminal device generates one or more online payment transactions according to the payment user operation and selects an email payment method for realizing the one or more online payment transactions.
  • the step of performing security verification on the payment mailbox login operation in the step S1 includes:
  • the email payment verification center extracts the first input account and the first input password in the payment email login verification request, and respectively performs the first input account and the first input password with the payment email account and the payment email password stored in the database. Comparison
  • the email payment verification center determines that the first input account is the same as the payment email account, and the first input password is the same as the payment email password, the payment email login verification request is allowed to pass the security verification, and the email is sent to the payment terminal device.
  • the email payment verification center determines that the first input account is different from the payment email account, or determines that the first input password is different from the payment email password, the payment email login verification request is prohibited from passing the security verification, and the email payment request is generated. Submit a failed message.
  • the email payment verification center in the step S3 receives a payment mailbox login verification request for confirming the one or more online payment transactions, and secures the payment email login verification request.
  • the steps to verify include:
  • the email payment verification center receives a receipt email login verification request returned by the payment terminal device for confirming the one or more online payment transactions, and extracts a second input account and a second in the payment email login verification request. Enter a password, and compare the second input account and the second input password with the receipt email account and the receipt email password stored in the database;
  • the email payment verification center determines that the second input account is the same as the receiving email account, and the second input password is the same as the receiving email password, the payment mailbox login verification request is allowed to pass the security verification to the payment terminal.
  • the device and the payment terminal device send the prompt information for successful verification of the email payment, and send the electronic money in the one or more online payment transactions to the relevant bank server;
  • the email payment verification center determines that the second input account is different from the receiving email account, or determines that the second input password is different from the receiving email password, the receiving email login verification request is prohibited from passing the security verification, and The payment terminal device and the payment terminal device send prompt information that the email payment verification fails.
  • the invention also constructs a mailbox payment system, the mailbox payment system comprises: a payment terminal device, an email payment verification center and a payment terminal device;
  • the email payment verification center is configured to receive a payment email login verification request for one or more online payment transactions from the payment terminal device, perform security verification on the payment email login verification request, and perform a login authentication request in the payment email address.
  • the payment confirmation information for the one or more online payment transactions is sent to the designated payee mailbox;
  • the email payment verification center is further configured to receive a payment email login verification request returned by the payment terminal device for confirming the one or more online payment transactions, and perform security verification on the payment email login verification request. And when the payment email login verification request is approved, the relevant bank server involved in each online payment transaction is instructed to complete the subsequent settlement process of the online payment transaction.
  • the email payment verification center includes payment email registration information for including a payment email account and a payment email password, and a registration email registration information including a receipt email account and a receipt email password.
  • the payment terminal device is further configured to generate one or more online payment transactions according to the payment user operation and select an email payment method for realizing the one or more online payment transactions.
  • the mailbox payment verification center further includes a payment mailbox login verification request for receiving the payment terminal device, and a success/failure for submitting the email payment request to the payment terminal device.
  • a communication module for prompting information
  • an extracting module for extracting a first input account in the payment email login verification request, and a first input password, for storing the first input account and the first input password with the database
  • the payment email account and the payment email password are respectively compared, and it is determined that the first input account is the same as the payment email account, and when the first input password is the same as the payment email password, the payment email login verification request is allowed to pass the security verification, or When it is determined that the first input account is different from the payment email account or the first input password is different from the payment email password, the determination module that the payment email login verification request passes the security verification is prohibited.
  • the communication module is further configured to receive a payment mailbox login verification request returned by the payment terminal device for confirming the one or more online payment transactions;
  • the extraction module is further configured to extract a second input account and a second input password in the payment email login verification request, and input the second input account and the second input password into the determining module;
  • the determining module is further configured to read the receiving email account and the receiving email password stored in the database, and respectively perform the receiving email account and the receiving email password with the second input account and the second input password. Comparing, and determining that the second input account is the same as the receiving email account, and the second input password is the same as the receiving email password, allowing the receiving email login verification request to pass the security verification;
  • the determining module is further configured to: when the second input account is different from the receiving email account or the second input password is different from the receiving email password, prohibit the receiving email login verification request from passing the security verification;
  • the communication module is further configured to: when the payment mailbox login verification request is obtained, send the prompt information for successful email payment verification to the payment terminal device and the payment terminal device, and pay the pen or multiple online payment The electronic money in the transaction is sent to the relevant bank server;
  • the communication module is further configured to send prompt information of the email payment verification failure to the payment terminal device and the payment terminal device when the payment mailbox login verification request is not obtained.
  • the mailbox payment method and the mailbox payment system of the invention adopt a construction service that can be connected with the major banks, and is used for realizing multiple online payment by performing security verification on the payment mailbox login verification request and the payment mailbox login verification request.
  • the technical solution of the mailbox payment verification center of the batch payment of the transaction so that the security of the mobile phone verification payment method in the prior art is overcome, and the user can only complete the defect of an online payment transaction at a time by using the mobile phone verification payment method. It has achieved the beneficial effect of providing the user with a novel, convenient payment operation, high security, and can realize the bulk payment of multiple online payment transactions.
  • FIG. 1 is a schematic structural diagram of a mailbox payment system according to a preferred embodiment of the present invention.
  • FIG. 2 is a structural block diagram of a mailbox payment verification center of the mailbox payment system shown in FIG. 1;
  • FIG. 3 is a flow chart of a method for payment by a mailbox provided by a preferred embodiment of the present invention.
  • the main innovations of the present invention are:
  • the invention adopts a mailbox which can be connected with major banks, and is used for realizing the bulk payment of multiple online payment transactions by performing security verification on the payment mailbox login verification request and the payment mailbox login verification request respectively.
  • Payment verification center 200 The design solves the technical problem that the security of the mobile phone verification payment method in the prior art is not high, and the payment efficiency of the mobile phone verification payment method is low, and the user is provided with a convenient payment operation and high security, and The purpose of the mailbox payment method for batch payment of multiple online payment transactions can be realized.
  • the mailbox payment system of the present invention includes a payment terminal device 100, a payment terminal device 300, and a connection payment terminal device.
  • the payment terminal device 100 Used to generate one or more online payment transactions based on user actions, and to select an email payment method for implementing the one or more online payment transactions.
  • the payment terminal device 100 is further configured to pay the verification center 200 to the mailbox Submit an email payment verification request for the one or more online payment transactions.
  • the email payment verification center 200 And performing a security verification on the email payment verification request, and instructing the relevant bank server 400 to complete the subsequent settlement process of the online payment transaction when the email payment verification request is obtained.
  • the email payment verification center 200 can be an existing mail server.
  • the payment terminal device 100 / the payment terminal device 300 It can be any of a smartphone, tablet, laptop or desktop computer.
  • the email payment verification center 200 of the present invention includes a determination module 203 and the determination module 203.
  • An extraction module 202, a communication module 201, a database, and a recording module 205 electrically connected to the database are respectively electrically connected.
  • the recording module 205 is configured to record the verification center 200 by the payment user through the email.
  • the application includes the payment user registration information including the basic information of the payment user, the payment email account, and the payment email password.
  • the recording module 205 is further configured to record the verification center 200 by the payment user through the mailbox.
  • the application includes the registration information of the basic information of the recipient user, the receipt email account and the receipt email password.
  • the database is used to store the above payment mailbox registration information and the payment mailbox registration information.
  • the communication module 201 is configured to receive by the payment terminal device 100
  • the submitted email payment verification request includes the payment user name, the first input account number, and the first input password.
  • the extraction module 202 configured to extract the payment user name, the first input account, and the first input password in the email payment verification request, and input the first input account and the first input password to the determining module 203.
  • the determining module 203 And receiving the first input account and the first input password, and reading the payment email account and the payment email password corresponding to the payment user name in the database, and inputting the first input account, the first input password and the payment email account And the payment email passwords are compared separately.
  • the determining module 203 The method further includes: when the first input account is the same as the payment email account, and the first input password is the same as the payment email password, the email payment verification request is allowed to pass, and the prompt information for successfully submitting the email payment verification request is generated.
  • the communication module 201 is further configured to send prompt information for successfully submitting the email payment verification request to the payment terminal device 100. And send payment confirmation information to the designated collection mailbox.
  • the determining module 203 The method is further configured to determine that the first input account is different from the payment email account, or the first input password is different from the payment email password, and the email payment verification request is prohibited from being passed, and the prompt information for failing to submit the email payment verification request is generated, and Instruct the communication module 201 Sends a prompt message for failing to submit the email payment verification request to the payment terminal device 100.
  • the communication module 201 is further configured to receive by the payment terminal device 300 A payment email login verification request submitted to confirm the one or more online payment transactions.
  • the extraction module 202 It is also used to extract the payment user name, the second input account number and the second input password in the payment mailbox login verification request, and input it into the judging module 203.
  • the determining module 203 The utility model is further configured to read the receiving email account and the receiving email password corresponding to the receiving user name in the database, and compare the second input account and the second input password with the receiving email account and the receiving email password respectively.
  • the determining module 203 allows the receiving email login verification request to pass the security verification and to the payment terminal device 100. And the payment terminal device 300 simultaneously sends the prompt information for successful verification of the email payment; if the determining module 203 Determining that the second input account is different from the receiving email account or the second input password is the same as the receiving email password, the determining module 203 prohibits the receiving email login verification request from passing the security verification, and the payment terminal device 100 And the payment terminal device 300 simultaneously sends a prompt message that the email payment verification fails.
  • the determining module 203 is further configured to pass the communication module 201 when the payment mailbox login verification request is obtained. Sending the electronic money in each online payment transaction to the relevant bank server 400 involved in the online payment transaction, and instructing the bank server 400 The subsequent settlement process of the online payment transaction is completed according to the electronic money.
  • the mailbox payment verification center 200 passes the recording module 205.
  • Record the payment email registration information registered by the payment user including the basic information of the payment user, the payment email account and the payment email password, and the basic information including the basic information of the payment user, the payment email account number and the receipt email password registered by the payment user.
  • the mailbox registration information, and the recorded payment mailbox registration information and the payment mailbox registration information are saved in the database.
  • the mailbox payment verification center 200 passes through the communication module 201.
  • the payment email login verification request is securely verified.
  • the payment email login verification process is as follows: Email Payment Verification Center 200 First, the payment user name, the first input account, and the first input password in the payment email login verification request are extracted by the extraction module 202, and then passed through the determining module 203. Find the payment user name in the database with the same payment user name and its corresponding payment email account and payment email password, and compare the payment email account and the payment email password with the first input account and the first input password respectively.
  • step S103 as in the judgment module 203 If it is determined that the payment email account is different from the first input account or the payment email password is different from the first input password, the payment email login verification request is prohibited from passing the security verification, and the next step is performed S104.
  • the payment email login verification request is allowed to pass the security verification, and the next step S105 is performed.
  • step S104 the communication module 201 receives the judgment module 203.
  • the generated email payment request submits a prompt message that fails, and the prompt information is sent to the payment terminal device 100.
  • step S105 the communication module 201 receives the judgment module 203.
  • the generated prompt information for submitting the email payment request and the payment confirmation information are sent to the payment terminal device 100 for prompting the successful submission of the email payment request. And send the email payment confirmation prompt message to the designated payment mailbox.
  • the mailbox payment verification center 200 passes the communication module 201. Receiving a payment email login verification request for confirming the one or more online payment transactions, and performing security verification on the payment email login verification request.
  • the payment email login verification process is as follows: Email Payment Verification Center 200 First, the extraction module 202 extracts the payment user name, the second input account number, and the second input password in the payment mailbox login verification request, and then passes the judgment module 203. Find the receiving user name in the database and the corresponding receiving email account and the receiving email password, and the receiving email account and the receiving email password and the second input account and the second input The passwords are compared separately.
  • step S107 as in the judgment module 203 If it is determined that the email account is different from the second input account or the email password is different from the second password, the email authentication verification request for confirming the email payment is prohibited from passing the security verification, and the next step is performed. .
  • the receiving email login verification request for confirming the email payment is allowed to pass the security verification, and the next step is performed. .
  • step S108 the mailbox payment verification center 200 passes the communication module 201 to the payment terminal device 100.
  • the payment terminal device 300 simultaneously sends the prompt information for successful verification of the email payment, and sends the electronic money in the online payment transaction to the bank server involved in each online payment transaction. And instructing the bank server 400 to complete the subsequent settlement process of the online payment transaction according to the electronic money.
  • step S109 the mailbox payment verification center 200 passes the communication module 201 to the payment terminal device 100. And the payment terminal device 300 simultaneously sends the prompt information of the email payment verification failure, and the process goes to step S102.

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Abstract

本发明公开了一种邮箱支付方法及邮箱支付系统。所述邮箱支付系统包括付款终端设备、邮箱支付验证中心及收款终端设备。所述邮箱支付验证中心用于受理付款方针对一笔或多笔线上支付交易提交的付款邮箱登录验证请求，对付款邮箱登录验证请求进行安全验证，并在付款邮箱登录验证请求获得通过时，将支付确认信息发送到指定的收款方邮箱。所述邮箱支付验证中心还用于接收收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证，并在收款邮箱登录验证请求获得通过时，指示上述每一笔支付交易所涉及到的相关银行服务器完成该笔支付交易的后续结算流程。本发明为用户提供了一种可实现多笔线上支付交易的批量支付且支付操作极为便利的邮箱支付方式。

Description

一种邮箱支付方法及邮箱支付系统 技术领域
本发明涉及支付技术领域，更具体地说，涉及一种邮箱支付方法及邮箱支付系统。
背景技术
在各种网络支付方式中，手机验证支付方式因操作简便而广受欢迎。然而，手机验证支付方式并不完美，存在至少以下几个缺陷：
1 ）安全性差。随着智能手机的流行，用户的手机号码更换频率越来越高，导致用户在购物网站预留的用于支付的手机号码时长发生变换，反而使得用户的支付操作复杂化，并造成一定的安全隐患。
2 ）支付效率低下。手机验证支付方式一次只能实现一笔线上支付交易，而无法实现多笔线上支付交易的批量支付。当用户需要完成多笔订单的支付时，如用户采用手机验证支付方式，既麻烦又耗时。
为适应支付行业的大发展，提高用户在支付过程中的便捷性及安全性，如何开发一款支付操作便利，且安全性高的支付方法已成为亟待解决的问题。
发明内容
本发明要解决的技术问题在于，针对现有技术的上述缺陷，提供一种邮箱支付方法及邮箱支付系统。
本发明解决其技术问题所采用的技术方案是：构造一种邮箱支付方法，包括如下步骤；
S1）邮箱支付验证中心接收到针对一笔或多笔线上支付交易的付款邮箱登录验证请求时，对付款邮箱登录验证请求进行安全验证；
S2）邮箱支付验证中心在付款邮箱登录验证请求未获得通过时，将邮箱支付请求提交失败的提示信息传回付款方邮箱，或者在付款邮箱登录验证请求获得通过时，将针对该笔或多笔线上支付交易的支付确认信息发送到指定的收款方邮箱；
S3）邮箱支付验证中心接收用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证，并在收款邮箱登录验证请求获得通过时，指示每一笔线上支付交易涉及到的相关银行服务器（400）完成该笔线上支付交易的后续结算流程。
在本发明上述邮箱支付方法中，还包括如下步骤：
S0）邮箱支付验证中心记录包括付款邮箱账号及付款邮箱密码的付款邮箱注册信息、以及包括收款邮箱账号及收款邮箱密码的收款邮箱注册信息，并将记录信息保存到数据库。
在本发明上述邮箱支付方法中，在所述步骤S0与所述步骤S1之间还包括如下步骤：
S01）付款终端设备根据付款用户操作生成一笔或多笔线上支付交易及选择用于实现该笔或多笔线上支付交易的邮箱支付方式。
在本发明上述邮箱支付方法中，所述步骤S1中所述对付款邮箱登录操作进行安全验证的步骤包括：
所述邮箱支付验证中心提取付款邮箱登录验证请求中的第一输入账号及第一输入密码，并将该第一输入账号及第一输入密码与数据库中存储的付款邮箱账号及付款邮箱密码分别进行比较；
如所述邮箱支付验证中心判断该第一输入账号与该付款邮箱账号相同，且该第一输入密码与该付款邮箱密码相同，则允许付款邮箱登录验证请求通过安全验证，向付款终端设备发送邮箱支付请求提交成功的提示信息；
如所述邮箱支付验证中心判断该第一输入账号与该付款邮箱账号不同，或者判断该第一输入密码与该付款邮箱密码不同，则禁止付款邮箱登录验证请求通过安全验证，并生成邮箱支付请求提交失败的提示信息。
在本发明上述邮箱支付方法中，所述步骤S3中所述邮箱支付验证中心接收用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证的步骤包括：
所述邮箱支付验证中心接收由收款终端设备返回的用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，提取收款邮箱登录验证请求中的第二输入账号及第二输入密码，并将该第二输入账号及第二输入密码与数据库中存储的收款邮箱账号及收款邮箱密码分别进行比较；
如所述邮箱支付验证中心判断该第二输入账号与该收款邮箱账号相同，且该第二输入密码与该收款邮箱密码相同，则允许收款邮箱登录验证请求通过安全验证，向付款终端设备及收款终端设备发送邮箱支付验证成功的提示信息，并将该笔或多笔线上支付交易中的电子货币发送到相关银行服务器；
如所述邮箱支付验证中心判断该第二输入账号与该收款邮箱账号不同，或者判断该第二输入密码与该收款邮箱密码不同，则禁止收款邮箱登录验证请求通过安全验证，并向付款终端设备及收款终端设备发送邮箱支付验证失败的提示信息。
本发明还构造一种邮箱支付系统，所述邮箱支付系统包括：付款终端设备、邮箱支付验证中心及收款终端设备；
所述邮箱支付验证中心用于接收来自所述付款终端设备的针对一笔或多笔线上支付交易的付款邮箱登录验证请求，对付款邮箱登录验证请求进行安全验证，并在付款邮箱登录验证请求获得通过时，将针对该笔或多笔线上支付交易的支付确认信息发送到指定的收款方邮箱；
所述邮箱支付验证中心还用于接收由所述收款终端设备返回的用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证，并在收款邮箱登录验证请求获得通过时，指示每一笔线上支付交易涉及到的相关银行服务器完成该笔线上支付交易的后续结算流程。
在本发明上述邮箱支付系统中，所述邮箱支付验证中心包括用于记录包括付款邮箱账号及付款邮箱密码的付款邮箱注册信息及包括收款邮箱账号及收款邮箱密码的收款邮箱注册信息的记录模块、以及用于存储所述记录模块的记录信息的数据库。
在本发明上述邮箱支付系统中，所述付款终端设备还用于根据付款用户操作生成一笔或多笔线上支付交易及选择用于实现该笔或多笔线上支付交易的邮箱支付方式。
在本发明上述邮箱支付系统中，所述邮箱支付验证中心还包括用于接收来自所述付款终端设备的付款邮箱登录验证请求，以及用于向所述付款终端设备发送邮箱支付请求提交成功/失败的提示信息的通信模块、用于提取付款邮箱登录验证请求中的第一输入账号及第一输入密码的提取模块、用于将该第一输入账号及第一输入密码与所述数据库中存储的付款邮箱账号及付款邮箱密码分别进行比较，并判断该第一输入账号与该付款邮箱账号相同，且该第一输入密码与该付款邮箱密码相同时，允许付款邮箱登录验证请求通过安全验证，或者判断该第一输入账号与该付款邮箱账号不同或该第一输入密码与该付款邮箱密码不同时，禁止付款邮箱登录验证请求通过安全验证的判断模块。
在本发明上述邮箱支付系统中，所述通信模块还用于接收由所述收款终端设备返回的用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求；
所述提取模块还用于提取收款邮箱登录验证请求中的第二输入账号及第二输入密码，并将该第二输入账号及第二输入密码输入所述判断模块；
所述判断模块还用于读取所述数据库中存储的收款邮箱账号及收款邮箱密码，将该收款邮箱账号及该收款邮箱密码与该第二输入账号及第二输入密码分别进行比较，并判断该第二输入账号与该收款邮箱账号相同，且该第二输入密码与该收款邮箱密码相同时，允许收款邮箱登录验证请求通过安全验证；
所述判断模块还用于判断该第二输入账号与该收款邮箱账号不同或该第二输入密码与该收款邮箱密码不同时，禁止收款邮箱登录验证请求通过安全验证；
所述通信模块还用于在收款邮箱登录验证请求获得通过时，向所述付款终端设备及所述收款终端设备发送邮箱支付验证成功的提示信息，并将该笔或多笔线上支付交易中的电子货币发送到相关银行服务器；
所述通信模块还用于在收款邮箱登录验证请求未获得通过时，向所述付款终端设备及所述收款终端设备发送邮箱支付验证失败的提示信息。
由于本发明邮箱支付方法及邮箱支付系统采用了构建一个可与各大银行进行业务对接的，用于通过对付款邮箱登录验证请求及收款邮箱登录验证请求进行安全验证来实现多笔线上支付交易的批量支付的邮箱支付验证中心的技术方案，所以克服了现有技术中手机验证支付方式的安全性不高，且用户通过手机验证支付方式一次只能完成一笔线上支付交易的缺陷，达到了为用户提供一种新奇的、支付操作极为便利的、安全性较高的、并可实现多笔线上支付交易的批量支付的邮箱支付方式的有益效果。
附图说明
图 1 是本发明较佳实施例提供的邮箱支付系统的结构示意图；
图 2 是图 1 所示的邮箱支付系统的邮箱支付验证中心的结构框图；
图 3 是本发明较佳实施方式提供的邮箱支付方法的流程图。
具体实施方式
为了解决现有技术中存在的手机验证支付方式的安全性不高，且用户在采用手机验证支付方式的条件下一次只能完成一笔线上支付交易的缺陷，本发明的主要创新点在于：
1 ）构建一个可与各大银行进行业务对接的，用于通过对付款邮箱登录验证请求及收款邮箱登录验证请求进行安全验证来实现一笔或多笔线上支付交易的在线支付的邮箱支付验证中心 200 。
由于本发明采用了构建一个可与各大银行进行业务对接的，用于通过对付款邮箱登录验证请求及收款邮箱登录验证请求分别进行安全验证以实现多笔线上支付交易的批量支付的邮箱支付验证中心 200 的设计，所以解决了现有技术中手机验证支付方式的安全性不高，且手机验证支付方式的支付效率低下的技术问题，实现了为用户提供一种支付操作便利、安全性较高、并可实现多笔线上支付交易的批量支付的邮箱支付方式的目的。
为了使本发明的目的更加清楚明白，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用以解释本发明，并不用于限定本发明。
如图 1 所示，本发明邮箱支付系统包括付款终端设备 100 、收款终端设备 300 、连接付款终端设备 100 及收款终端设备 300 的邮箱支付验证中心 200 、以及连接邮箱支付验证中心 200 的多个银行服务器 400 。
其中，付款终端设备 100 用于根据用户操作生成一笔或多笔线上支付交易，以及选择用于实现该笔或多笔线上支付交易的邮箱支付方式。
该付款终端设备 100 还用于向该邮箱支付验证中心 200 提交针对该笔或多笔线上支付交易的邮箱支付验证请求。
该邮箱支付验证中心 200 用于对该邮箱支付验证请求进行安全验证，并在该邮箱支付验证请求获得通过时，指示相关银行服务器 400 来完成该笔线上支付交易的后续结算流程。
该邮箱支付验证中心 200 可以是现有的邮件服务器。该付款终端设备 100/ 收款终端设备 300 可以是智能手机、平板电脑、笔记本电脑或台式电脑的任意一种。
如图 2 所示，本发明邮箱支付验证中心 200 包括判断模块 203 、与该判断模块 203 分别电连接的提取模块 202 、通信模块 201 、数据库、以及与该数据库电连接的记录模块 205 。
其中，该记录模块 205 用于记录由付款用户通过邮箱支付验证中心 200 申请的包括付款用户基本信息、付款邮箱账号及付款邮箱密码的付款邮箱注册信息。该记录模块 205 还用于记录由收款用户通过邮箱支付验证中心 200 申请的包括收款用户基本信息、收款邮箱账号及收款邮箱密码的收款邮箱注册信息。
该数据库用于存储上述的付款邮箱注册信息及收款邮箱注册信息。
该通信模块 201 用于接收由付款终端设备 100 提交的包括付款用户名、第一输入账号及第一输入密码的邮箱支付验证请求。
该提取模块 202 用于提取该邮箱支付验证请求中的付款用户名、第一输入账号及第一输入密码，并将该第一输入账号及第一输入密码输入到判断模块 203 。
该判断模块 203 用于接收该第一输入账号及第一输入密码，及读取数据库中与该付款用户名对应的付款邮箱账号及付款邮箱密码，并将该第一输入账号、第一输入密码与付款邮箱账号及付款邮箱密码分别进行比较。
该判断模块 203 还用于判断该第一输入账号与付款邮箱账号相同，且该第一输入密码与付款邮箱密码相同时，允许该邮箱支付验证请求获得通过，并生成邮箱支付验证请求提交成功的提示信息。
该通信模块 201 还用于将邮箱支付验证请求提交成功的提示信息发送到付款终端设备 100 ，以及将支付确认信息发送到指定的收款邮箱。
该判断模块 203 还用于判断该第一输入账号与付款邮箱账号不同，或该第一输入密码与付款邮箱密码不同时，禁止该邮箱支付验证请求获得通过，并生成邮箱支付验证请求提交失败的提示信息，并指示该通信模块 201 将邮箱支付验证请求提交失败的提示信息发送到付款终端设备 100 。
该通信模块 201 还用于接收由收款终端设备 300 提交的用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求。
该提取模块 202 还用于提取收款邮箱登录验证请求中的收款用户名、第二输入账号及第二输入密码，并将其输入判断模块 203 。
该判断模块 203 还用于读取数据库中与收款用户名对应的收款邮箱账号及收款邮箱密码，并将该第二输入账号及第二输入密码与收款邮箱账号及收款邮箱密码分别进行比较。
如该判断模块 203 判断该第二输入账号与收款邮箱账号相同且该第二输入密码与收款邮箱密码相同，则该判断模块 203 允许收款邮箱登录验证请求通过安全验证，并向付款终端设备 100 及收款终端设备 300 同时发送邮箱支付验证成功的提示信息；如该判断模块 203 判断该第二输入账号与收款邮箱账号不同或该第二输入密码与收款邮箱密码相同，则该判断模块 203 禁止收款邮箱登录验证请求通过安全验证，并向付款终端设备 100 及收款终端设备 300 同时发送邮箱支付验证失败的提示信息。
该判断模块 203 还用于在收款邮箱登录验证请求获得通过时，通过该通信模块 201 将每一笔线上支付交易中的电子货币发送到该笔线上支付交易所涉及到的相关银行服务器 400 ，并指示该银行服务器 400 根据该电子货币完成该笔线上支付交易的后续结算流程。
下面将以本发明的较佳实施方式为例，对本发明的邮箱支付方法进行说明：
如图 3 所示，在步骤 S101 中，邮箱支付验证中心 200 通过记录模块 205 记录由付款用户注册的包括付款用户基本信息、付款邮箱账号及付款邮箱密码的付款邮箱注册信息，以及由收款用户注册的包括收款用户基本信息、收款邮箱账号及收款邮箱密码的收款邮箱注册信息，并将所记录的付款邮箱注册信息及收款邮箱注册信息保存于数据库。
在步骤 S102 中，邮箱支付验证中心 200 通过通信模块 201 接收到针对一笔或多笔线上支付交易的付款邮箱登录验证请求时，对付款邮箱登录验证请求进行安全验证。其中，付款邮箱登录验证过程如下：邮箱支付验证中心 200 先通过提取模块 202 提取付款邮箱登录验证请求中的付款用户名、第一输入账号及第一输入密码，再通过判断模块 203 查找数据库中与该付款用户名相同的付款用户名及其对应的付款邮箱账号及付款邮箱密码，并将付款邮箱账号及付款邮箱密码与该第一输入账号及第一输入密码分别进行比较。
在步骤 S103 中，如判断模块 203 判断付款邮箱账号与该第一输入账号不同或付款邮箱密码与第一输入密码不同，则禁止付款邮箱登录验证请求通过安全验证，并执行下一步骤 S104 。
如判断模块 203 判断付款邮箱账号与该第一输入账号相同且付款邮箱密码与第一输入密码相同，则允许付款邮箱登录验证请求通过安全验证，并执行下一步骤 S105 。
在步骤 S104 中，该通信模块 201 接收由判断模块 203 生成的邮箱支付请求提交失败的提示信息，并将该提示信息发送到付款终端设备 100 。
在步骤 S105 中，该通信模块 201 接收由判断模块 203 生成的邮箱支付请求提交成功的提示信息以及支付确认信息，将邮箱支付请求提交成功的提示信息发送到付款终端设备 100 ，以及将邮箱支付确认提示信息发送到指定的收款邮箱。
在步骤 S106 中，邮箱支付验证中心 200 通过通信模块 201 接收到用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证。其中，收款邮箱登录验证过程如下：邮箱支付验证中心 200 先通过提取模块 202 提取收款邮箱登录验证请求中的收款用户名、第二输入账号及第二输入密码，再通过判断模块 203 查找数据库中与该收款用户名相同的收款用户名及其对应的收款邮箱账号及收款邮箱密码，并将收款邮箱账号及收款邮箱密码与该第二输入账号及第二输入密码分别进行比较。
在步骤 S107 中，如判断模块 203 判断收邮箱账号与该第二输入账号不同或收邮箱密码与第二输入密码不同，则禁止用于确认邮箱支付的收款邮箱登录验证请求通过安全验证，并执行下一步骤 S108 。
如判断模块 203 判断收款邮箱账号与该第二输入账号相同且收款邮箱密码与第二输入密码相同，则允许用于确认邮箱支付的收款邮箱登录验证请求通过安全验证，并执行下一步骤 S109 。
在步骤 S108 中，邮箱支付验证中心 200 通过通信模块 201 向付款终端设备 100 及收款终端设备 300 同时发送邮箱支付验证成功的提示信息，将该笔或多笔线上支付交易中的电子货币发送到每一笔线上支付交易所涉及到的银行服务器 400 ，并指示该银行服务器 400 根据该电子货币完成该笔线上支付交易的后续结算流程。
在步骤 S109 中，邮箱支付验证中心 200 通过通信模块 201 向付款终端设备 100 及收款终端设备 300 同时发送邮箱支付验证失败的提示信息，跳转至步骤 S102 。
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 (10)

  1. 一种邮箱支付方法，其特征在于，包括如下步骤；
    S1 ）邮箱支付验证中心（ 200 ）接收到针对一笔或多笔线上支付交易的付款邮箱登录验证请求时，对付款邮箱登录验证请求进行安全验证；
    S2 ）邮箱支付验证中心（ 200 ）在付款邮箱登录验证请求未获得通过时，将邮箱支付请求提交失败的提示信息传回付款方邮箱，或者在付款邮箱登录验证请求获得通过时，将针对该笔或多笔线上支付交易的支付确认信息发送到指定的收款方邮箱；
    S3 ）邮箱支付验证中心（ 200 ）接收用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证，并在收款邮箱登录验证请求获得通过时，指示每一笔线上支付交易涉及到的相关银行服务器（ 400 ）完成该笔线上支付交易的后续结算流程。
  2. 根据权利要求 1 所述的邮箱支付方法，其特征在于，还包括如下步骤：
    S0 ）邮箱支付验证中心（ 200 ）记录包括付款邮箱账号及付款邮箱密码的付款邮箱注册信息、以及包括收款邮箱账号及收款邮箱密码的收款邮箱注册信息，并将记录信息保存到数据库。
  3. 根据权利要求 1 所述的邮箱支付验证方法，其特征在于，在所述步骤 S0 与所述步骤 S1 之间还包括如下步骤：
    S01 ）付款终端设备（ 100 ）根据付款用户操作生成一笔或多笔线上支付交易及选择用于实现该笔或多笔线上支付交易的邮箱支付方式。
  4. 根据权利要求 1 所述的邮箱支付方法，其特征在于，所述步骤 S1 中所述对付款邮箱登录操作进行安全验证的步骤包括：
    所述邮箱支付验证中心（ 200 ）提取付款邮箱登录验证请求中的第一输入账号及第一输入密码，并将该第一输入账号及第一输入密码与数据库中存储的付款邮箱账号及付款邮箱密码分别进行比较；
    如所述邮箱支付验证中心（ 200 ）判断该第一输入账号与该付款邮箱账号相同，且该第一输入密码与该付款邮箱密码相同，则允许付款邮箱登录验证请求通过安全验证，向付款终端设备（ 100 ）发送邮箱支付请求提交成功的提示信息；
    如所述邮箱支付验证中心（ 200 ）判断该第一输入账号与该付款邮箱账号不同，或者判断该第一输入密码与该付款邮箱密码不同，则禁止付款邮箱登录验证请求通过安全验证，并生成邮箱支付请求提交失败的提示信息。
  5. 根据权利要求 1 所述的邮箱支付方法，其特征在于，所述步骤 S3 中所述邮箱支付验证中心（ 200 ）接收用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证的步骤包括：
    所述邮箱支付验证中心（ 200 ）接收由收款终端设备（ 300 ）返回的用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，提取收款邮箱登录验证请求中的第二输入账号及第二输入密码，并将该第二输入账号及第二输入密码与数据库中存储的收款邮箱账号及收款邮箱密码分别进行比较；
    如所述邮箱支付验证中心（ 200 ）判断该第二输入账号与该收款邮箱账号相同，且该第二输入密码与该收款邮箱密码相同，则允许收款邮箱登录验证请求通过安全验证，向付款终端设备（ 100 ）及收款终端设备（ 300 ）发送邮箱支付验证成功的提示信息，并将该笔或多笔线上支付交易中的电子货币发送到相关银行服务器；
    如所述邮箱支付验证中心（ 200 ）判断该第二输入账号与该收款邮箱账号不同，或者判断该第二输入密码与该收款邮箱密码不同，则禁止收款邮箱登录验证请求通过安全验证，并向付款终端设备（ 100 ）及收款终端设备（ 300 ）发送邮箱支付验证失败的提示信息。
  6. 一种使用如权利要求 1-5 任一所述的邮箱支付方法的邮箱支付系统，其特征在于，所述邮箱支付系统包括：付款终端设备（ 100 ）、邮箱支付验证中心（ 200 ）及收款终端设备（ 300 ）；
    所述邮箱支付验证中心（ 200 ）用于接收来自所述付款终端设备（ 100 ）的针对一笔或多笔线上支付交易的付款邮箱登录验证请求，对付款邮箱登录验证请求进行安全验证，并在付款邮箱登录验证请求获得通过时，将针对该笔或多笔线上支付交易的支付确认信息发送到指定的收款方邮箱；
    所述邮箱支付验证中心（ 200 ）还用于接收由所述收款终端设备（ 300 ）返回的用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求，对收款邮箱登录验证请求进行安全验证，并在收款邮箱登录验证请求获得通过时，指示每一笔线上支付交易涉及到的相关银行服务器（ 400 ）完成该笔线上支付交易的后续结算流程。
  7. 根据权利要求 6 所述的邮箱支付系统，其特征在于，所述邮箱支付验证中心（ 200 ）包括用于记录包括付款邮箱账号及付款邮箱密码的付款邮箱注册信息及包括收款邮箱账号及收款邮箱密码的收款邮箱注册信息的记录模块（ 205 ）、以及用于存储所述记录模块（ 205 ）的记录信息的数据库。
  8. 根据权利要求 6 所述的邮箱支付系统，其特征在于，所述付款终端设备（ 100 ）还用于根据付款用户操作生成一笔或多笔线上支付交易及选择用于实现该笔或多笔线上支付交易的邮箱支付方式。
  9. 根据权利要求 7 所述的邮箱支付系统，其特征在于，所述邮箱支付验证中心（ 200 ）还包括用于接收来自所述付款终端设备（ 100 ）的付款邮箱登录验证请求，以及用于向所述付款终端设备（ 100 ）发送邮箱支付请求提交成功 / 失败的提示信息的通信模块（ 201 ）、用于提取付款邮箱登录验证请求中的第一输入账号及第一输入密码的提取模块（ 202 ）、用于将该第一输入账号及第一输入密码与所述数据库中存储的付款邮箱账号及付款邮箱密码分别进行比较，并判断该第一输入账号与该付款邮箱账号相同，且该第一输入密码与该付款邮箱密码相同时，允许付款邮箱登录验证请求通过安全验证，或者判断该第一输入账号与该付款邮箱账号不同或该第一输入密码与该付款邮箱密码不同时，禁止付款邮箱登录验证请求通过安全验证的判断模块（ 203 ）。
  10. 根据权利要求 7 所述的邮箱支付系统，其特征在于，所述通信模块（ 201 ）还用于接收由所述收款终端设备（ 300 ）返回的用于确认该笔或多笔线上支付交易的收款邮箱登录验证请求；
    所述提取模块（ 202 ）还用于提取收款邮箱登录验证请求中的第二输入账号及第二输入密码，并将该第二输入账号及第二输入密码输入所述判断模块（ 203 ）；
    所述判断模块（ 203 ）还用于读取所述数据库中存储的收款邮箱账号及收款邮箱密码，将该收款邮箱账号及该收款邮箱密码与该第二输入账号及第二输入密码分别进行比较，并判断该第二输入账号与该收款邮箱账号相同，且该第二输入密码与该收款邮箱密码相同时，允许收款邮箱登录验证请求通过安全验证；
    所述判断模块（ 203 ）还用于判断该第二输入账号与该收款邮箱账号不同或该第二输入密码与该收款邮箱密码不同时，禁止收款邮箱登录验证请求通过安全验证；
    所述通信模块（ 201 ）还用于在收款邮箱登录验证请求获得通过时，向所述付款终端设备（ 100 ）及所述收款终端设备（ 300 ）发送邮箱支付验证成功的提示信息，并将该笔或多笔线上支付交易中的电子货币发送到相关银行服务器；
    所述通信模块（ 201 ）还用于在收款邮箱登录验证请求未获得通过时，向所述付款终端设备（ 100 ）及所述收款终端设备（ 300 ）发送邮箱支付验证失败的提示信息。
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