WO2016045034A1 - 一种网上支付验证方法及网上支付验证系统 - Google Patents

一种网上支付验证方法及网上支付验证系统 Download PDF

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Publication number
WO2016045034A1
WO2016045034A1 PCT/CN2014/087393 CN2014087393W WO2016045034A1 WO 2016045034 A1 WO2016045034 A1 WO 2016045034A1 CN 2014087393 W CN2014087393 W CN 2014087393W WO 2016045034 A1 WO2016045034 A1 WO 2016045034A1
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WO
WIPO (PCT)
Prior art keywords
electronic money
verification
payment
information
terminal device
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PCT/CN2014/087393
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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
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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 CA2997635A priority Critical patent/CA2997635C/en
Priority to PCT/CN2014/087393 priority patent/WO2016045034A1/zh
Priority to CN201480003232.0A priority patent/CN105518730A/zh
Publication of WO2016045034A1 publication Critical patent/WO2016045034A1/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
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/401—Transaction verification

Definitions

  • the present invention relates to the field of network payment verification technologies, and more particularly to an online payment verification method and an online payment verification system.
  • the payment process is irreversible.
  • the flow of payment amount is usually one-way, that is, the payment amount can usually only flow from the payer side to the payee side, the payee's payment action to the payer and the payer's receipt for the payee
  • the uncertainty of payment is very likely to be paid to the payer. / Both parties have potential security risks.
  • the technical problem to be solved by the present invention is to provide an online payment verification method and an online payment verification 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 an online payment verification method, comprising the following steps:
  • the electronic money verification center receives the payment request in the form of electronic money settlement of the online payment transaction, and performs security verification on the electronic money of the online payment transaction according to the set electronic money verification rule;
  • the electronic money verification center determines whether the electronic money passes the security verification, and when the electronic money passes the security verification, sends the electronic money to the bank server involved in the online payment transaction, and instructs the bank server to execute the The transfer operation of the payment amount of the same amount of electronic money.
  • the electronic money verification center pre-stores the first payment verification information reserved by each depositor for online payment verification.
  • the step S1 The method further includes: the electronic money verification center transmitting an electronic money security verification request to the payee terminal device upon receiving the payment request in the electronic money settlement form submitted by the payer terminal device, and receiving the payee terminal device For the confirmation information returned by the electronic money verification request, the electronic money in the online payment transaction is securely verified according to the set electronic money verification rule.
  • the step S1 The step of performing security verification on the electronic money in the online payment transaction according to the set electronic money verification rule includes:
  • the electronic money verification center extracts first payment verification information included in the electronic money, and searches for second payment verification information reserved by the payer of the electronic money in the database, and the first payment verification information and the The second payment verification information is compared;
  • step S2 determines, by the electronic money verification center in step S2, whether the electronic money passes the authenticity verification comprises:
  • the electronic money verification center determines that the first payment information and the second payment verification information are completely consistent, the electronic money verification center allows the electronic money to pass the electronic money authenticity verification, and determines that the electronic money is a payable electronic Currency, and sending the prompt information of the successful verification of the electronic money to the payer terminal device and the payee terminal device involved in the payment transaction;
  • the electronic money verification center determines that the first payment information does not completely correspond to the second payment verification information, the electronic money verification center prohibits the electronic money from being verified by the electronic money authenticity, and determines that the electronic money is invalid and invalid. Currency, and send the prompt message of the electronic money verification failure to the payer terminal device and the payee terminal device involved in the online payment transaction.
  • step S2 further includes:
  • the electronic money verification center records the electronic money verification failure event, and determines that the number of electronic money verification failures involving the same payer exceeds the set electronic money verification failure limit , lower the payment credit rating of the payer.
  • the present invention also constructs an online payment verification system, the online payment verification system comprising a payer terminal device, a payee terminal device, and an electronic money connected between the payer terminal device and the payee terminal device a verification center and a plurality of bank servers connected to the electronic money verification center:
  • the payer terminal device is configured to submit, to the electronic money verification center, a payment request in an electronic money settlement form of any online payment transaction;
  • the electronic money verification center is configured to receive the payment request, and perform security verification on the electronic money in the online payment transaction according to the set electronic money verification rule;
  • the electronic money verification center is further configured to determine whether the electronic money passes the security verification, and when the electronic money passes the security verification, send the electronic money to the bank server involved in the online payment transaction, and instruct the bank The server performs a transfer operation of the payment amount equal to the electronic money.
  • the electronic money verification center includes a database for storing first payment information reserved by each depositor for online payment verification.
  • the electronic money verification center further includes a communication module and an electronic money verification module
  • the communication module Receiving a payment request in the form of electronic money settlement submitted by the payer terminal device, and receiving the payment by the payee terminal device Paying the reply information of the request, and inputting the reply information into the electronic money verification module;
  • the electronic money verification module is configured to perform security verification on the electronic money according to the set electronic money verification rule when receiving the reply information for confirming the verification operation of the electronic money;
  • the electronic money verification module is further configured to generate, when receiving reply information indicating that the electronic money verification operation is rejected Indicates that the prompt information of the electronic money verification operation is canceled, and the prompt information is separately sent to the payer terminal device and the payee terminal device.
  • the electronic money verification module includes an electronic money verification information extraction unit and an electronic money verification information comparison unit;
  • the electronic money verification information extracting unit is configured to extract first payment verification information in the electronic money
  • the electronic money verification information comparison unit is configured to read the second payment verification information reserved by the payment party of the electronic money, and compare the second payment verification information with the first payment verification information;
  • the first payment verification information includes first account information and an encryption key for secure payment
  • the second payment verification information includes second account information and a decryption key for canceling the online payment transaction;
  • the electronic money verification information comparing unit is further configured to: when the first payment information and the second payment verification information are completely consistent, generate prompt information for successful electronic money verification, or determine the first payment information and the second payment. When the verification information does not completely correspond, the prompt information of the electronic money verification failure is generated, and the electronic money verification is successful. / Failed prompt information is input to the communication module;
  • the communication module is further configured to forward the prompt information of the received electronic money verification success/failure To the paying party terminal device and the payee terminal device involved in the online payment transaction.
  • the electronic money verification center further includes an electronic money verification result recording module and a payment credit evaluation module;
  • the electronic money verification result recording module is configured to record the security verification result of the electronic money, and write the record result into the database
  • the payment credit evaluation module is configured to read the electronic money security verification result stored in the database, and determine, according to the electronic money security verification result, that the number of electronic money verification failures involving the same payer exceeds the set number of electronic money verification failures At the upper limit, lower the payment credit rating of the payer.
  • the online payment verification method and the online payment verification system of the present invention adopt an electronic money verification center authorized by major banks and can be connected with major banks
  • the electronic money verification center uses various kinds of circulation in network payment.
  • the technical solution of electronic money for security verification overcomes the lack of effective supervision and security verification mechanism for various electronic money circulating in network payment in the prior art, thereby causing the forgery of counterfeit electronic money, resulting in serious user benefits.
  • the defect of loss has reached the trend of curbing online flooding of counterfeit electronic banknotes, effectively cracking down on the derogatory behavior of criminals to forge various electronic money, improving the security of users' online payment, and thus creating a popularization of electronic money.
  • the benefits of a healthy and orderly online payment environment are examples of a healthy and orderly online payment environment.
  • FIG. 1 is a first schematic structural diagram of an online payment verification system according to a preferred embodiment of the present invention
  • FIG. 2 is a schematic diagram of a second structure of an online payment verification system according to a preferred embodiment of the present invention.
  • FIG. 3 is a block diagram showing the structure of the electronic money verification center of the online payment verification system shown in Figures 1 and 2;
  • FIG. 4 is a structural block diagram of an electronic money verification module of the electronic money verification center shown in FIG. 3;
  • FIG. 5 is a flowchart of an online payment verification method according to a preferred embodiment of the present invention.
  • the main innovations of the invention are: 1) Establish an electronic money verification center 200 authorized by major banks and capable of business docking with major banks for the secure verification of various electronic currencies circulating in the online payment process, the electronic money verification center 200 Only after receiving the confirmation information from the payer and the payee for the same online payment transaction, and the electronic money in the online payment transaction is verified by the security, the relevant bank may be instructed to perform the fund transfer operation to complete the Pay online for payment transactions to ensure the security of users' online payment behavior; 2) The database 203 of the electronic money verification center 200 stores electronic money verification record information for the user to inquire; 3) Electronic money verification center 200 With the depositor's credit rating function, it can provide reference for users' online purchase and payment behavior, which further improves the security of users' online payment.
  • the present invention adopts an electronic money verification center 200 which is authorized by major banks and can be connected to major banks.
  • the design of security verification for various electronic currencies circulating in network payment has solved the prior art lack of effective supervision and security verification mechanism for various electronic money circulating in network payment, thereby causing counterfeiting of electronic money.
  • the indiscriminate proliferation of technical problems that have seriously impaired the rights of users has enabled the suppression of the proliferation of counterfeit electronic banknotes, effectively cracked down on the criminal acts of criminals who arbitrarily forged electronic money, and improved the security of users’ online payment behaviors.
  • the online payment verification system of the present invention includes a payer terminal device 100, a payee terminal device 300, and a payee terminal device 100 and the payee terminal device 300.
  • the payer terminal device 100 is configured to receive a payment instruction of the payer to the electronic money verification center 200. Submit a payment request for an online payment transaction.
  • the electronic money verification center 200 And receiving the payment request, and performing security verification on the electronic money in the online payment transaction according to the set electronic money verification rule.
  • the electronic money verification center 200 It is also used to determine the electronic bank's payer bank account and the bank server corresponding to the payer's bank account when the electronic money passes its security verification.
  • the electronic money and payee bank account information is sent to the bank server 400, and a transfer request is submitted to the bank server 400.
  • the bank server 400 When receiving the transfer request, the funds equivalent to the electronic money are transferred from the payer bank account to the payee bank account.
  • the payer terminal device 100 and the payee terminal device 300 may be an existing information processing terminal such as a desktop computer or a notebook computer, and the electronic money verification center 200 may be an authentication server.
  • FIG. 2 is a schematic diagram of a second structure of an online payment verification system according to the present invention.
  • Figure 2 shows the online payment verification system and Figure 1
  • the difference between the disclosed online payment verification system is that both the payer terminal device 100 and the payee terminal device 300 pass through the wireless network and the electronic money verification center 200. Communicate.
  • the payer terminal device 100 and the payee terminal device 300 may be existing information processing terminals such as a smart phone or a tablet computer.
  • the electronic money verification center 200 of the present invention includes an electronic money verification module 202 and the electronic money verification module.
  • 202 is electrically connected to the communication module 201, the database 203, and the electronic money verification result recording module 204 and the payment credit evaluation module 205 electrically connected to the database 203.
  • database 203 Pre-stored first payment verification information (including first account information and an encryption key for secure payment) reserved by each depositor for online payment verification.
  • the communication module 201 is configured to receive by the payer terminal device 100 A payment request for an online payment transaction is submitted, and the payment request is sent to the electronic money verification module 202.
  • the electronic money verification module 202 is configured to receive, by the communication module 201, the payee terminal device 300 when receiving the payment request. Send the electronic money verification request information of the online payment transaction.
  • the communication module 201 is further configured to receive by the payee terminal device 300
  • the reply information for the electronic money verification request is input to the electronic money verification module 202.
  • the electronic money verification module 202 when receiving the reply information for confirming the electronic money verification request, extracting the second payment verification information (including the second account information and the decryption key for canceling the online payment transaction) in the electronic money, according to the setting
  • the electronic money verification rule determines the authenticity of the electronic money, and when receiving the reply information rejecting the electronic money verification request, sends the prompt information of the electronic money verification cancellation to the payer terminal device. 100, so that one of the payer/receiver can check and modify the order information and payment amount of the online payment transaction.
  • the electronic money verification result recording module 204 is configured to record the electronic money verification result and write the record information into the database 203 .
  • the payment credit evaluation module 205 is configured to invoke the database 203
  • the electronic money verification result stored in the medium is determined according to the electronic money verification result, and when the number of electronic money verification failures involving the same payer exceeds the upper limit of the set number of electronic money verification failures, the payment credit level of the payer is lowered.
  • the electronic money verification module 202 includes an electronic money verification information extraction unit 2021. And an electronic money verification information comparison unit 2022 electrically connected to the payment verification information and database 203.
  • the electronic money verification information extraction unit 2021 And extracting first payment verification information including the first account information and the encryption key for secure payment in the electronic money, and inputting the first payment verification information to the electronic money verification information comparison unit 2022.
  • the electronic money verification information comparison unit 2022 is used to call the database 203.
  • a second payment verification information including a second account information and an encryption key for secure payment reserved by the payer of the electronic money, and comparing the second payment verification information with the first payment verification information one by one To verify the authenticity of the electronic currency and enter the verification result of the obtained electronic currency into the database. 203.
  • step S101 the electronic money verification center 200 passes through the database 203.
  • the second payment verification information reserved by each depositor is stored.
  • step S102 the payer/payee passes the respective payer terminal device 100/payee terminal device 300 An online payment transaction is reached, and the payment policy submits a payment request in the form of electronic money settlement to the electronic money verification center 200 through the payer terminal device 100 for the online payment transaction.
  • Electronic Money Verification Center The payment request is received by the communication module 201, and an electronic money verification request for the online payment transaction is issued to the payee terminal device 300 through the communication module 201.
  • step S103 if the communication module 201 receives the payer terminal device 100 Upon confirming the reply information of the electronic money verification request, the communication module 201 inputs the confirmation information to the electronic money verification information extracting unit 2021.
  • the electronic money verification information extraction unit 2021 Receiving the confirmation information, extracting first payment verification information (including first account information and a decryption key for canceling the online payment transaction) in the electronic money, and inputting the first payment verification information into the electronic Currency verification information comparison unit 2022.
  • the electronic money verification module 202 If the communication module 201 receives the reply information of the payment party terminal device 100 rejecting the electronic money verification request, the electronic money verification module 202 generates prompt information for canceling the electronic money verification operation, and transmits the prompt information to the above-mentioned payer terminal device 100 and the payee terminal device 300 through the communication module 201, respectively.
  • step S104 the electronic money verification information comparing unit 2022 reads the database 203.
  • the second payment verification information reserved by the payer of the electronic money, and comparing the second payment verification information with the first payment verification information one by one.
  • step S105 as the electronic money verification information comparison unit 2022 If it is determined that the first payment verification information does not completely correspond to the second payment verification information, the next step S106 is performed; otherwise, the next step S107 is performed.
  • step S106 the electronic money verification center 200 generates the prompt information of the electronic money verification failure, and passes through the communication module 201.
  • the prompt information for the electronic money verification failure is transmitted to the above-described payer terminal device 100 and the payee terminal device 300, respectively.
  • step S107 the electronic money verification center 200 generates prompt information for successful electronic money verification, and passes through the communication module 201.
  • the prompt information for successful verification of the electronic money is transmitted to the above-mentioned payer terminal device 100 and the payee terminal device 300, respectively.
  • step S108 the electronic money verification center 200 Finding the payer bank account corresponding to the electronic money, and the bank server 400 corresponding to the payer bank account, and sending the electronic money and the payee bank account to the bank server 400 And instructing the bank server 400 to perform an equal amount of funds transfer operation with the electronic money.
  • step S109 the bank server 400 accepts the electronic money verification center 200.
  • the fund transfer request transfers funds equal to the electronic money from the payer bank account to the payee bank account.

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Abstract

本发明公开了一种网上支付验证方法及网上支付验证系统。所述系统包括付款方终端设备、收款方终端设备及电子货币验证中心。所述电子货币验证中心用于接收到一笔支付交易的电子货币结算模式的支付请求时，依照设定的电子货币验证规则对该笔支付交易中的电子货币进行安全验证。所述电子货币验证中心还用于判断该电子货币通过其安全验证时，查找该笔支付交易所涉及到的银行服务器，将该电子货币发送到该银行服务器，并指示该银行服务器执行与该电子货币等额的支付金额转账操作。通过实施本发明可起到有效打击不法分子肆意伪造电子货币的猖獗行为，遏制假冒电子钞票的泛滥趋势，提高线上支付的安全性，有利于电子货币的推广普及。

Description

一种网上支付验证方法及网上支付验证系统 技术领域
本发明涉及网络支付验证技术领域，更具体地说，涉及一种网上支付验证方法及网上支付验证系统。
背景技术
随着互联网技术的迅猛发展，用户支付行为也在慢慢发生改变，人们通过互联网进行支付的频次也越来越多。由于开发时间较短，网上支付技术还存在如下缺点：
一、支付过程不可逆。在支付过程中，支付金额的流向通常是单向的，即支付金额通常只能从付款方一方流向收款方一方，收款方针对付款方的付款行为以及付款方针对收款方的收款行为均缺乏确认过程，支付的不确定性极有可能给付款方 / 收款方双方带来潜在的安全隐患。
二、由于缺乏有效的电子钞票安全验证机制，使得电子钞票的推广和普及受到极大限制。由于网上支付用电子钞票作为一种新开发的金融产品，面世不久，相关配套设施及服务极不完善，就目前而言，市面上尚未推出一款可对电子钞票进行真伪识别的电子货币验证系统，在电子钞票的流通过程中，收款方一方无法对来自付款方一方的电子钞票进行真伪识别，收款方的权益根本无法得到保障，由此导致的后果是：用户在支付过程中受骗上当的事件屡见不鲜，使得电子钞票的推广和普及受到极大限制。
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，提供一种网上支付验证方法及网上支付验证系统。
本发明解决其技术问题所采用的技术方案是：构造一种网上支付验证方法，包括如下步骤：
S1 ）电子货币验证中心接收到一笔网上支付交易的电子货币结算形式的支付请求时，依照设定的电子货币验证规则对该笔网上支付交易的电子货币进行安全验证；
S 2 ）电子货币验证中心判断该电子货币是否通过安全验证，并在该电子货币通过安全验证时，将该电子货币发送到该笔网上支付交易所涉及到的银行服务器，并指示该银行服务器执行与该电子货币等额的支付金额的转账操作。
在本发明上述网上支付验证方法中，在所述步骤 S1 之前还包括如下步骤：
S0 ）电子货币验证中心预先存储由各个储户分别预留的用于网上支付验证的第一支付验证信息。
在本发明上述网上支付验证方法中，所述步骤 S1 还包括：所述电子货币验证中心在接收到由付款方终端设备提交的电子货币结算形式的支付请求时，向收款方终端设备发送电子货币安全验证请求，并在接收到收款方终端设备针对该电子货币验证请求返回的确认信息时，依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证。
在本发明上述网上支付验证方法中，所述步骤 S1 中所述依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证的步骤具体包括：
所述电子货币验证中心提取该电子货币中包含的第一支付验证信息，及查找数据库中由该电子货币的付款方所预留的第二支付验证信息，并将该第一支付验证信息与该第二支付验证信息进行比较；
所述步骤 S2 中所述电子货币验证中心判断该电子货币是否通过真伪验证的步骤具体包括：
如该电子货币验证中心判断该第一支付信息与该第二支付验证信息完全对应一致，则该电子货币验证中心允许该电子货币通过电子货币真伪验证，确定该电子货币为可支付结算的电子货币，并向该笔支付交易所涉及到的付款方终端设备及收款方终端设备发送电子货币验证成功的提示信息；
如该电子货币验证中心判断该第一支付信息与该第二支付验证信息不完全对应一致，则该电子货币验证中心禁止该电子货币通过电子货币真伪验证，确定该电子货币为无效作废的电子货币，并向该笔网上支付交易所涉及到的付款方终端设备及收款方终端设备发送电子货币验证失败的提示信息。
在本发明上述网上支付验证方法中，所述步骤 S2 还包括：
所述电子货币验证中心对电子货币验证失败事件进行记录，并判断涉及同一付款方的电子货币验证失败次数超过设定的电子货币验证失败次数 上限 ，调低该付款方的支付信用等级。
本发明还构造一种网上支付验证系统，所述网上支付验证系统包括付款方终端设备、收款方终端设备、连接在所述付款方终端设备与所述收款方终端设备之间的电子货币验证中心、以及连接所述电子货币验证中心的多个银行服务器：
所述付款方终端设备用于向所述电子货币验证中心提交任意一笔网上支付交易的电子货币结算形式的支付请求；
所述电子货币验证中心用于接收该支付请求，并依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证；
所述电子货币验证中心还用于判断该电子货币是否通过安全验证，并在该电子货币通过安全验证时，将该电子货币发送到该笔网上支付交易所涉及到的银行服务器，并指示该银行服务器执行与该电子货币等额的支付金额的转账操作。
在本发明上述网上支付验证系统中，所述电子货币验证中心包括数据库，所述数据库用于存储由各储户分别预留的用于网上支付验证的第一支付信息。
在本发明上述网上支付验证系统中，所述电子货币验证中心还包括通信模块及电子货币验证模块；
所述通信模块 用 于接收由所述付款方终端设备提交的电子货币结算形式的支付请求，以及接收由所述收款方终端设备针对该 支付请求的回复信息，并将该回复信息输入所述电子货币验证模块；
所述电子货币验证模块用于接收到用于表示确认电子货币验证操作的回复信息时，依照设定的电子货币验证规则对该电子货币进行安全验证；
所述电子货币验证模块还用于接收到用于表示拒绝电子货币验证操作的回复信息时，生成 表示取消该次电子货币验证操作的提示信息，并将该提示信息分别发送到所述付款方终端设备及所述收款方终端设备。
在本发明上述网上支付验证系统中，所述电子货币验证模块包括电子货币验证信息提取单元及电子货币验证信息比较单元；
所述电子货币验证信息提取单元用于提取该电子货币中的第一支付验证信息；
所述电子货币验证信息比较单元用于读取所述数据库由该电子货币的付款方所预留的第二支付验证信息，并将该第二支付验证信息与该第一支付验证信息进行比较；其中，该第一支付验证信息包括第一账户信息及用于安全支付的加密秘钥，该第二支付验证信息包括第二账户信息及用于解付该笔网上支付交易的解密秘钥；
所述电子货币验证信息比较单元还用于判断该第一支付信息与该第二支付验证信息完全对应一致时，生成电子货币验证成功的提示信息，或者判断该第一支付信息与该第二支付验证信息不完全对应一致时，生成电子货币验证失败的提示信息，并将该电子货币验证成功 / 失败的提示信息输入所述通信模块；
所述通信模块还用于将接收到的电子货币验证成功 / 失败的提示信息 转发 到该笔网上支付交易所涉及到的付款方终端设备及收款方终端设备。
在本发明上述网上支付验证系统中，所述电子货币验证中心还包括电子货币验证结果记录模块及支付信用评估模块；
所述电子货币验证结果记录模块用于对电子货币的安全验证结果进行记录，并将记录结果写入所述数据库；
所述支付信用评估模块用于读取所述数据库中存储的电子货币安全验证结果，根据该电子货币安全验证结果判断涉及到同一付款方的电子货币验证失败次数超过设定的电子货币验证失败次数上限时，调低该付款方的支付信用等级。
由于本发明网上支付验证方法及网上支付验证系统采用了建立一个经各大银行授权并可与各大银行进行业务对接的电子货币验证中心，通过该电子货币验证中心对网络支付中流通的各种电子货币进行安全验证的技术方案，所以克服了现有技术中对于在网络支付中流通的各种电子货币缺乏有效的监管及安全验证机制，由此造成伪造电子货币肆意泛滥，致使用户利益严重受损的缺陷，达到了遏制假冒电子钞票的网上泛滥趋势，有效地打击了不法分子肆意伪造各种电子货币的猖獗行为，提高了用户进行网上支付的安全性，进而为实现电子货币的推广普及营造一个健康有序的网上支付环境的有益效果。
附图说明
图 1 是本发明较佳实施例提供的网上支付验证系统的第一种结构示意图；
图 2 是本发明较佳实施例提供的网上支付验证系统的第二种结构示意图；
图 3 是图 1 及图 2 所示的网上支付验证系统的电子货币验证中心的结构框图；
图 4 是图 3 所示的电子货币验证中心的电子货币验证模块的结构框图；
图 5 是本发明较佳实施例提供的网上支付验证方法的流程图。
具体实施方式
为了解决现有技术中对于在网络支付中流通的各种电子货币缺乏有效的监管及安全验证机制，由此造成伪造电子货币的肆意泛滥，致使用户在支付过程中的权益严重受损的缺陷，本发明的主要创新点在于： 1 ）建立一个经各大银行授权并可与各大银行进行业务对接的电子货币验证中心 200 ，用于对网上支付过程中流通的各种电子货币进行安全验证，该电子货币验证中心 200 只有收到付款方及收款方针对同一笔网上支付交易的确认信息，且该笔网上支付交易中的电子货币经其进行安全验证的前提下，方可指示相关银行执行资金转账操作，完成该笔网上支付交易，以此来确保用户进行网上支付行为的安全性； 2 ）电子货币验证中心 200 的数据库 203 存储有电子货币验证记录信息以供用户进行查询； 3 ）电子货币验证中心 200 具备储户支付信用评级功能，可为用户的网上购买及支付行为提供参考，进一步提高了用户进行网上支付的安全性。
由于本发明采用了建立一个经各大银行授权并可与各大银行进行业务对接的电子货币验证中心 200 ，通过该电子货币验证中心 200 对网络支付中流通的各种电子货币进行安全验证的设计，所以解决了现有技术中对于在网络支付中流通的各种电子货币缺乏有效的监管及安全验证机制，由此造成伪造电子货币的肆意泛滥，致使用户权益严重受损的技术问题，实现了遏制假冒电子钞票的泛滥趋势，有效地打击了不法分子肆意伪造电子货币的猖獗行为，提高了用户的网上支付行为的安全性，进而为实现电子货币的推广普及营造一个健康有序的网上支付环境的目的。
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。
图 1 是本发明网上支付验证系统的第一种结构示意图。如图 1 所示，本发明网上支付验证系统包括付款方终端设备 100 、收款方终端设备 300 、连接在该付款方终端设备 100 与该收款方终端设备 300 之间的电子货币验证中心 200 、以及连接到该电子货币验证中心 200 的银行服务器 400 。
其中，该付款方终端设备 100 用于接收付款方的支付命令，向该电子货币验证中心 200 提交一笔网上支付交易的支付请求。
该电子货币验证中心 200 用于接收该支付请求，并依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证。
该电子货币验证中心 200 还用于判断该电子货币通过其安全验证时，查找该电子货币的付款方银行账户及该付款方银行账户所对应的银行服务器 400 ，将该电子货币及收款方银行账户信息发送到该银行服务器 400 ，并向该银行服务器 400 提交转账请求。
该银行服务器 400 用于接收到转账请求时，将与该电子货币等额的资金从该付款方银行账户划拨到该收款方银行账户。
其中，该付款方终端设备 100 及收款方终端设备 300 可以是现有的台式电脑、笔记本电脑等信息处理终端，该电子货币验证中心 200 可以是认证服务器。
图 2 为本发明网上支付验证系统的第二种结构示意图。图 2 所揭示的网上支付验证系统与图 1 所揭示的网上支付验证系统的区别在于：付款方终端设备 100 及收款方终端设备 300 均通过无线网络与电子货币验证中心 200 进行通信。其中，该付款方终端设备 100 及收款方终端设备 300 可以是现有的智能手机、平板电脑等信息处理终端。
如图 3 所示，本发明电子货币验证中心 200 包括电子货币验证模块 202 、与该电子货币验证模块 202 电连接的通信模块 201 、数据库 203 、以及与该数据库 203 电连接的电子货币验证结果记录模块 204 及支付信用评估模块 205 。
其中，该数据库 203 预存有各储户预留的用于网上支付验证的第一支付验证信息（包括第一账户信息及用于安全支付的加密秘钥）。
该通信模块 201 用于接收由付款方终端设备 100 提交的一笔网上支付交易的支付请求，将该支付请求发送到该电子货币验证模块 202 。
该电子货币验证模块 202 用于接收到该支付请求时，通过该通信模块 201 向收款方终端设备 300 发送该笔网上支付交易的电子货币验证请求信息。
该通信模块 201 还用于接收由收款方终端设备 300 针对该电子货币验证请求的回复信息，并将回复信息输入该电子货币验证模块 202 。
该电子货币验证模块 202 还用于接收到确认电子货币验证请求的回复信息时，提取该电子货币中的第二支付验证信息（包括第二账户信息及用于解付该笔网上支付交易的解密秘钥），依照设定的电子货币验证规则对该电子货币进行真伪验证，以及接收到拒绝电子货币验证请求的回复信息时，将电子货币验证取消的提示信息发送到付款方终端设备 100 ，以便于付款方 / 收款方的其中一方对该笔网上支付交易的订单信息及支付金额进行核查及修改。
该电子货币验证结果记录模块 204 用于对电子货币验证结果进行记录，并将记录信息写入数据库 203 。
该支付信用评估模块 205 用于调用该数据库 203 中存储的电子货币验证结果，根据电子货币验证结果判断涉及到同一付款方的电子货币验证失败次数超过设定的电子货币验证失败次数上限时，调低该付款方的支付信用等级。
如图 4 所示，该电子货币验证模块 202 包括电子货币验证信息提取单元 2021 、以及与该支付验证信息及数据库 203 电连接的电子货币验证信息比较单元 2022 。
该电子货币验证信息提取单元 2021 用于提取该电子货币中包含第一账户信息及用于安全支付的加密秘钥的第一支付验证信息，并将该第一支付验证信息输入到该电子货币验证信息比较单元 2022 。
该电子货币验证信息比较单元 2022 用于调用数据库 203 中由该电子货币的付款方预留的包括第二账户信息及用于安全支付的加密秘钥的第二支付验证信息，并将该第二支付验证信息与该第一支付验证信息逐一进行比较，以对该电子货币进行真伪验证，并将所得电子货币真伪验证结果输入该数据库 203 。
下面将以本发明的较佳实施方式为例对本发明网上支付验证方法进行说明：
如图 5 所示，在步骤 S101 中，电子货币验证中心 200 通过数据库 203 存储各储户所预留的第二支付验证信息。
在步骤 S102 中，付款方 / 收款方通过各自的付款方终端设备 100/ 收款方终端设备 300 达成一笔网上支付交易，付款方针对该笔网上支付交易，通过该付款方终端设备 100 向电子货币验证中心 200 提交电子货币结算形式的支付请求。电子货币验证中心 200 通过通信模块 201 接收该支付请求，并通过该通信模块 201 向收款方终端设备 300 发出该笔网上支付交易的电子货币验证请求。
在步骤 S103 中，如通信模块 201 接收到付款方终端设备 100 的确认电子货币验证请求的回复信息，则该通信模块 201 将该确认信息输入电子货币验证信息提取单元 2021 。该电子货币验证信息提取单元 2021 收到该确认信息时，提取该电子货币中的第一支付验证信息（包括第一账户信息以及用于解付该笔网上支付交易的解密秘钥），并将该第一支付验证信息输入电子货币验证信息比较单元 2022 。
如该通信模块 201 接收到付款方终端设备 100 的拒绝电子货币验证请求的回复信息，则电子货币验证模块 202 生成取消电子货币验证操作的提示信息，并通过该通信模块 201 将该提示信息分别发送到上述的付款方终端设备 100 及收款方终端设备 300 。
在步骤 S104 中，电子货币验证信息比较单元 2022 读取数据库 203 中由该电子货币的付款方预留的第二支付验证信息，并将该第二支付验证信息与该第一支付验证信息逐一进行比较。
在步骤 S105 中，如该电子货币验证信息比较单元 2022 判断该第一支付验证信息与该第二支付验证信息不完全对应一致，则执行下一步骤 S106 ；否则，执行下一步骤 S107 。
在步骤 S106 中，电子货币验证中心 200 生成电子货币验证失败的提示信息，并通过通信模块 201 将该电子货币验证失败的提示信息分别发送到上述的付款方终端设备 100 及收款方终端设备 300 。
在步骤 S107 中，电子货币验证中心 200 生成电子货币验证成功的提示信息，并通过通信模块 201 将该电子货币验证成功的提示信息分别发送到上述的付款方终端设备 100 及收款方终端设备 300 。
在步骤 S108 中，电子货币验证中心 200 查找该电子货币所对应的付款方银行账户，以及该付款方银行账户所对应的银行服务器 400 ，将该电子货币及收款方银行账户发送到该银行服务器 400 ，并指令该银行服务器 400 执行与该电子货币等额的资金转账操作。
在步骤 S109 中，该银行服务器 400 受理该电子货币验证中心 200 的资金转账请求，将与该电子货币等额的资金从该付款方银行账户划拨到该收款方银行账户。
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 (1)

1 、一种网上支付验证方法，其特征在于，包括如下步骤：
S1 ）电子货币验证中心（ 200 ）接收到一笔网上支付交易的电子货币结算形式的支付请求时，依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证；
S2 ）电子货币验证中心（ 200 ）判断该电子货币是否通过安全验证，并在该电子货币通过安全验证时，将该电子货币发送到该笔网上支付交易所涉及到的银行服务器，并指示该银行服务器执行与该电子货币等额的支付金额的转账操作。
2 、根据权利要求 1 所述的网上支付验证方法，其特征在于，在所述步骤 S1 之前还包括如下步骤：
S0 ）电子货币验证中心（ 200 ）预先存储由各个储户分别预留的用于网上支付验证的第一支付验证信息。
3 、根据权利要求 2 所述的网上支付验证方法，其特征在于，所述步骤 S1 还包括：所述电子货币验证中心（ 200 ）在接收到由付款方终端设备（ 100 ）提交的电子货币结算形式的支付请求时，向收款方终端设备（ 300 ）发送电子货币安全验证请求，并在接收到收款方终端设备（ 300 ）针对该电子货币验证请求返回的确认信息时，依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证。
4 、根据权利要求 3 所述的网上支付验证方法，其特征在于，所述步骤 S1 中所述依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证的步骤具体包括：
所述电子货币验证中心（ 200 ）提取该电子货币中包含的第一支付验证信息，及查找数据库（ 203 ）中由该电子货币的付款方所预留的第二支付验证信息，并将该第一支付验证信息与该第二支付验证信息进行比较；
所述步骤 S2 中所述电子货币验证中心（ 200 ）判断该电子货币是否通过真伪验证的步骤具体包括：
如该电子货币验证中心（ 200 ）判断该第一支付信息与该第二支付验证信息完全对应一致，则该电子货币验证中心（ 200 ）允许该电子货币通过电子货币真伪验证，确定该电子货币为可支付结算的电子货币，并向该笔支付交易所涉及到的付款方终端设备（ 100 ）及收款方终端设备（ 300 ）发送电子货币验证成功的提示信息；
如该电子货币验证中心（ 200 ）判断该第一支付信息与该第二支付验证信息不完全对应一致，则该电子货币验证中心（ 200 ）禁止该电子货币通过电子货币真伪验证，确定该电子货币为无效作废的电子货币，并向该笔网上支付交易所涉及到的付款方终端设备（ 100 ）及收款方终端设备（ 300 ）发送电子货币验证失败的提示信息。
5 、根据权利要求 4 所述的网上支付验证方法，其特征在于，所述步骤 S2 还包括：
所述电子货币验证中心（ 200 ）对电子货币验证失败事件进行记录，并判断涉及同一付款方的电子货币验证失败次数达到或超过设定的电子货币验证失败次数上限时，调低该付款方的支付信用等级。
6 、一种网上支付验证系统，其特征在于，所述网上支付验证系统包括付款方终端设备（ 100 ）、收款方终端设备（ 300 ）、连接在所述付款方终端设备（ 100 ）与所述收款方终端设备（ 300 ）之间的电子货币验证中心（ 200 ）、以及连接所述电子货币验证中心（ 200 ）的多个银行服务器（ 400 ）；
所述付款方终端设备（ 100 ）用于向所述电子货币验证中心（ 200 ）提交任意一笔网上支付交易的电子货币结算形式的支付请求；
所述电子货币验证中心（ 200 ）用于接收该支付请求，并依照设定的电子货币验证规则对该笔网上支付交易中的电子货币进行安全验证；
所述电子货币验证中心（ 200 ）还用于判断该电子货币是否通过安全验证，并在该电子货币通过安全验证时，将该电子货币发送到该笔网上支付交易所涉及到的银行服务器，并指示该银行服务器执行与该电子货币等额的支付金额的转账操作。
7 、根据权利要求 6 所述的网上支付验证系统，其特征在于，所述电子货币验证中心（ 200 ）包括数据库（ 203 ），所述数据库（ 203 ）用于存储由各储户分别预留的用于网上支付验证的第一支付信息。
8 、根据权利要求 6 所述的网上支付验证系统，其特征在于，所述电子货币验证中心（ 200 ）还包括通信模块（ 201 ）及电子货币验证模块（ 202 ）；
所述通信模块（ 201 ）用于接收由所述付款方终端设备（ 100 ）提交的电子货币结算形式的支付请求，以及接收由所述收款方终端设备（ 300 ）针对该支付请求的回复信息，并将该回复信息输入所述电子货币验证模块（ 202 ）；
所述电子货币验证模块（ 202 ）用于接收到用于表示确认电子货币验证操作的回复信息时，依照设定的电子货币验证规则对该电子货币进行安全验证；
所述电子货币验证模块（ 202 ）还用于接收到用于表示拒绝电子货币验证操作的回复信息时，生成 表示取消 该次电子货币验证操作的提示信息，并将该提示信息分别发送到所述付款方终端设备（ 100 ）及所述收款方终端设备（ 300 ）。
9 、根据权利要求 6 所述的网上支付验证系统，其特征在于，所述电子货币验证模块（ 202 ）包括电子货币验证信息提取单元（ 2021 ）及电子货币验证信息比较单元（ 2022 ）；
所述电子货币验证信息提取单元（ 2021 ）用于提取该电子货币中的第一支付验证信息；
所述电子货币验证信息比较单元（ 2022 ）用于读取所述数据库（ 203 ） 中由该电子货币的付款方所预留的第二支付验证信息，并将该第二支付验证信息与该第一支付验证信息进行比较；其中，该第一支付验证信息包括第一账户信息及用于安全支付的加密秘钥，该第二支付验证信息包括第二账户信息及用于解付该笔网上支付交易的解密秘钥；
所述电子货币验证信息比较单元（ 2022 ）还用于判断该第一支付信息与该第二支付验证信息完全对应一致时，生成电子货币验证成功的提示信息，或者判断该第一支付信息与该第二支付验证信息不完全对应一致时，生成电子货币验证失败的提示信息，并将该电子货币验证成功 / 失败的提示信息输入所述通信模块（ 201 ）；
所述通信模块（ 201 ）还用于将接收到的电子货币验证成功 / 失败的提示信息转发到该笔网上支付交易所涉及到的付款方终端设备（ 100 ）及收款方终端设备（ 300 ）。
10 、根据权利要求 6 所述的网上支付验证系统，其特征在于，所述电子货币验证中心（ 200 ）还包括电子货币验证结果记录模块（ 204 ）及支付信用评估模块（ 205 ）；
所述电子货币验证结果记录模块（ 204 ）用于对电子货币的安全验证结果进行记录，并将记录结果写入所述数据库（ 203 ）；
所述支付信用评估模块（ 205 ）用于读取所述数据库（ 203 ）中存储的电子货币安全验证结果，并根据该电子货币安全验证结果判断涉及到同一付款方的电子货币验证失败次数达到或超过设定的电子货币验证失败次数上限时，调低该付款方的支付信用等级。
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