WO2016172930A1

WO2016172930A1 - Network transaction paying method, network transaction receiving method, and network transaction payment method and system

Info

Publication number: WO2016172930A1
Application number: PCT/CN2015/077993
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-04-30
Filing date: 2015-04-30
Publication date: 2016-11-03
Also published as: CA2986827C; CA2986827A1

Abstract

A network transaction paying method, a network transaction receiving method, and a network transaction payment method and system. The network transaction paying method is applied to a first server (12), and comprises: receiving a paying request information data packet sent by a second server (14); analysing the paying request information data packet, obtaining a paying account and a paying amount, and freezing funds of the paying amount corresponding to the paying account; receiving a paying information data packet sent by the second server (14); checking the validity of the paying information data packet, and after the checking has been passed, unfreezing the frozen funds, and transferring the unfrozen funds to a preset receiving account via the second server (14). The system and methods improve the security of funds of a network transaction.

Description

Online transaction payment, collection and payment method and system

[Technical Field]

The present invention relates to the field of communications technologies, and in particular, to a network transaction payment, collection and payment method and system.

【Background technique】

E-commerce has gradually become the main trend of Internet economic development. Online consumption has gradually become a way of life. As merchants and users cannot achieve face-to-face payment settlement, the most important part of e-commerce is to reduce the transaction risk of buyers and sellers. . At present, the traditional online payment adopts the form of a third-party payment company guarantee, and the buyer, that is, the payer, pays the funds to the third-party platform, and determines the account after the receipt of the goods and transfers the funds to the seller, that is, the payee through the third-party platform. However, in the form of a third-party payment company guarantee, for the payer (buyer), the funds are already paid to the third-party payment company when the goods are not received, and once the third-party payment company has a problem, the payer’s funds are Without the guarantee, the payee (seller) will not be able to guarantee the payment after the goods are delivered. The traditional online payment method still cannot avoid the risk of online transaction funds.

[Summary of the Invention]

Based on this, it is necessary to provide a method and system for payment, collection and payment of network transactions that can avoid the risk of network transaction funds in response to the above technical problems.

A network transaction payment method, the method being applied to a first server, the method comprising:

Receiving a payment request information data packet sent by the second server;

Parsing the payment request information data packet to obtain a payment account number and a payment amount, and freezing the funds corresponding to the payment amount corresponding to the payment account;

Receiving a payment information data packet sent by the second server;

The legality of the payment information data packet is verified, the frozen funds are thawed after the verification is passed, and the thawed funds are transferred to the preset collection account through the second server.

A network transaction collection method, the method being applied to a second server, the method comprising:

Receiving a payment request information data packet generated by the second terminal according to the payment account and the payment amount;

Generating a payment request information data packet according to the payment request information data packet, and transmitting the payment request information data packet to the first server, causing the first server to parse the payment request information data packet to obtain payment The account number and the payment amount, and the funds corresponding to the payment amount corresponding to the payment account are frozen;

Sending a payment information data packet to the first server, causing the first server to verify the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed The funds are transferred to the preset collection account through the second server.

A network transaction payment method, the method comprising:

The second server sends the payment request information data packet to the first server;

The first server parses the payment request information data packet, obtains a payment account number and a payment amount, and freezes the funds corresponding to the payment amount with the payment account;

Sending, by the second server, a payment information data packet to the first server;

The first server checks the legality of the payment information data packet, and after the verification passes, thaws the frozen funds, and transfers the thawed funds to the preset through the second server. Collection account.

A network transaction payment system, the system comprising:

a first terminal, configured to send a purchase information data packet to the second terminal;

The second terminal is configured to parse the purchase information data packet to obtain a payment account number and a payment amount, generate a payment request information data packet according to the payment account number and the payment amount, and send the payment request information data packet Send to the second server;

The second server is configured to generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet to the first server;

The first server is configured to parse the payment request information data packet, obtain a payment account number and a payment amount, and freeze the funds corresponding to the payment amount with the payment account;

The second server is further configured to send a payment information data packet to the first server;

The first server is further configured to check the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are transferred to the second server. Enter the default payment account.

The above-mentioned online transaction payment, collection and payment method and system, the payment party is only the freezing of funds, and does not need to pay the funds from the payment account to the third-party payment platform; the payee does not need to transfer through the third-party payment platform. The funds directly transfer the frozen funds of the payer to the collection account; it reduces the financial risk of the payer and also ensures the security of the fund of the payee. It avoids the risk of network transaction funds and improves the security of funds for online transactions.

[Description of the Drawings]

1 is a schematic structural diagram of a network transaction payment system in an embodiment;

2 is a schematic structural diagram of a network transaction payment system in another embodiment;

3 is an application scenario diagram of a network transaction payment system in an embodiment;

4 is a flow chart of a method for payment of a network transaction in an embodiment;

5 is a flow chart of a method for payment of a network transaction in an embodiment;

6 is a flow chart of a method for collecting payment by network transaction in an embodiment.

【detailed description】

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

As shown in FIG. 1, in an embodiment, a network transaction payment system is provided, the system comprising: a first terminal 11, a first server 12, a second terminal 13, and a second server 14; wherein, the first terminal 11. Used to send a purchase information packet to the second terminal 13.

In one embodiment, the first terminal 11 is connected to the first server 12; the second terminal 13 is connected to the second server 14; the first terminal 11 is connected to the second terminal 13; and the first server 12 is connected to the second server 14.

In this embodiment, the first terminal 11 is applicable to the payer in the network transaction payment, that is, the buyer; the second terminal 13 is applicable to the payee in the network transaction, that is, the seller. The buyer and the seller conduct transactions on the network, the first terminal 11 generates a shopping order according to the product shopping information submitted by the user, and calculates a payment amount required for purchasing the shopping order item, and further generates a purchase information packet according to the payment account number and the payment amount. And sending the purchase information data packet to the second terminal 13 corresponding to the seller, and issuing a purchase request to the seller.

The second terminal 13 is configured to parse the purchase information data packet to obtain a payment account number and a payment amount, generate a payment request information data packet according to the payment account number and the payment amount, and send the payment request information data packet to the second server 14.

In this embodiment, the first server 12 can set the payment account of the payer, and the first server 12 is configured to freeze, unfreeze, and transfer funds corresponding to the payment account. The buyer corresponding to the first terminal 11 sets in advance through the first server 12 a payment account for paying for funds required for purchasing the goods. The second server 14 can set the payment account of the payee, and the second server 14 is used to transfer the received funds into the payment account. The seller corresponding to the second terminal 13 sets the payment account for receiving the payment in advance through the second server 14.

In one embodiment, the payment account and the payment account may be bank accounts or third party accounts, for example, Alipay or TenPay accounts.

The second server 14 is configured to generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet to the first server 12.

In this embodiment, the second terminal 13 sends a payment request information data packet to the second server 14, and causes the second server 14 to request payment from the first server 12 corresponding to the first terminal 11. In an embodiment, if the funds involved in the network transaction do not belong to the default currency, the payment request information data packet further includes the currency information corresponding to the payment amount.

The first server 12 is configured to parse the payment request information data packet, obtain a payment account number and a payment amount, and freeze the funds corresponding to the payment amount of the payment account.

In this embodiment, the frozen funds will be used to pay for the purchases required for purchases in the purchase information package. Since the frozen funds are unusable before they are thawed, the buyer is guaranteed enough funds to pay for the goods, providing funds for the seller’s shipment, and the funds are not received before the goods are purchased. It is only temporarily frozen and not paid out of the payment account, which guarantees the security of the buyer's funds.

The second server 14 is also configured to send a payment information packet to the first server 12.

The first server 12 is further configured to verify the legality of the payment information data packet, and after the verification, the frozen funds are thawed, and the thawed funds are transferred to the preset collection account through the second server 14.

In one embodiment, after determining that the item included in the purchase information package has been signed, the seller needs to request payment from the buyer. Specifically, the payment information packet is sent by the second server 14 to the first server 12. The payment information data packet includes the confirmation receipt information of the goods that the user has signed the receipt, and the first server 12 checks the legality of the payment information data packet to prevent the data from being tampered with. If the verification is legal, the frozen funds are thawed and then passed through the second server. 14 Transfer to the payment account to complete the online transaction. The seller's payment corresponding to the second terminal 13 is directly paid by the frozen property in the buyer's payment account, instead of being paid by the third party platform, thus ensuring the security of the seller's funds.

In the above network transaction payment system, for the payer corresponding to the first terminal, only the funds are frozen, and the funds need not be paid from the payment account to the third-party payment platform; and the payee corresponding to the second terminal does not need to pay through the third party. The platform transfers funds, and directly transfers the frozen funds of the payer to the collection account; it reduces the financial risk of the payer and also ensures the security of the fund of the payee. It avoids the risk of network transaction funds and improves the security of funds for online transactions.

In an embodiment, the first server 12 is further configured to send the committed payment message generated after the payment of the payment amount of funds is successfully frozen to the first terminal 11 and the second server 14, respectively.

The second server 14 is also operative to send a committed payment message to the second terminal 13.

The second terminal 13 is further configured to generate delivery prompt information according to the promised payment message.

In this embodiment, the first server 12 will query the available amount corresponding to the payment account to determine whether the available amount is greater than or equal to the payment amount. If yes, the funds with the same payment amount are frozen to pay for the purchase price. If not, a message is generated that the frozen funds failed, and the message is sent to the first terminal 11 and the second server 14, so that the buyer and the seller know that the account balance is insufficient, and the commodity purchase transaction fails.

After the funds of the payment amount are successfully frozen, the first server 12 will generate a promised payment message and send it to the first terminal 11 and the second server 14, and the payer can know that the payment account has been frozen in the payment account by the promised payment message. The payee can learn from the promised payment message sent by the second server 14 to the second terminal 13 that the buyer has enough money to purchase the goods, and reminds the seller to arrange the delivery in time through the delivery prompt information.

In one embodiment, the purchase information package further includes a purchase order; the second terminal 13 is further configured to send the purchase order to the logistics server. The first terminal 11 and the second terminal 13 are further configured to receive the shipment information of the goods corresponding to the shopping order sent by the logistics server, and the shipment information includes a logistics order number.

In this embodiment, the shopping order includes product parameters such as the product type, style, and quantity, and also includes contact information such as a contact name, an address, and a telephone. The second terminal 13 sends the shopping order to the logistics server and the delivery is arranged by the staff of the logistics company. The delivery information after the product is issued will be recorded in the logistics server, and the logistics server will send the logistics order number corresponding to the goods after delivery to the first terminal 11 and the second terminal 13 to facilitate the buyer and seller to monitor the logistics of the purchased goods.

In an embodiment, the second terminal 13 is further configured to receive a confirmation receipt message sent by the logistics server for the goods that the user has received, and generate a payment information data packet according to the confirmed receipt information. The second terminal 13 is further configured to send the payment information data packet to the second server 14.

After the goods are signed by the user, the staff of the logistics company will record the signed information into the logistics server, and the signed information includes the signature of the signer and the time of receipt. The goods purchased by the buyer have been signed by the user, and the buyer needs to pay for the purchased goods. In this embodiment, the logistics server sends a confirmation receipt message that the user has signed the receipt to the second terminal 13, and the second terminal 13 sends a confirmation receipt message to the second server 14. Further, the second server 14 The first server 12 transmits a payment information data packet, and the first server 12 completes the current transaction payment.

In the above network transaction payment system, the first server 12 determines whether to unfreeze the funds and complete the payment according to the confirmed receipt message of the buyer's signed goods, and does not need to be confirmed by the buyer after the receipt of the goods, thereby ensuring the second terminal 13 The corresponding payee can get the payment in time, which reduces the financial risk of the payee.

As shown in FIG. 2, in one embodiment, the network transaction payment system further includes: a data recording server, and a data recording server for backing up at the first terminal 11, the first server 12, the second terminal 13, and the second server 14. Transaction data transmitted between.

In one embodiment, the data recording server 15 is connected to the first terminal 11, the first server 12, the second terminal 13, and the second server 14, respectively, in an asynchronous communication manner; in this embodiment, by arranging data records in the system The server 15 records the transaction data generated during the network payment process. Transaction data includes, but is not limited to, purchase information packets, collection request information packets, payment request packets, and payment information packets. Since the data recording server 15 backs up the transaction data, effectively preventing the loss of the data improves the security of the data, and is also beneficial to assist in completing the settlement of funds for both parties.

In one embodiment, in order to ensure data security during network transactions, data packets are prevented from being tampered with due to data leakage or hacking. The purchase information packet, the payment request information data packet, the payment request information data packet, and the payment information data packet are encrypted during transmission, that is, the data packet includes an encrypted segment. Specifically, the encrypted segment included in the foregoing data is encrypted by using a MAC algorithm.

As shown in FIG. 3, in one embodiment, buyer A and seller B are in a network shopping transaction, wherein buyer A corresponds to terminal 31, seller B corresponds to terminal 33; server 32 is disposed at bank of buyer A's payment account, server 34 The data recording server 35 is used to back up the transaction data generated by the buyer A and the seller B during the network transaction process. It can be clearly seen from the figure that the buyer and the seller can realize settlement without going through the third payment platform, and the security of funds in the network transaction is improved, and the data record server 35 uses the backup transaction data to assist the payment settlement of the buyer and the seller.

As shown in FIG. 4, a network transaction payment method is provided. In one embodiment, the method is applied to a network transaction payment system. The network transaction payment system includes: a first server, a first terminal, a second terminal, and a second Server; the method includes the following steps:

Step 401: The second server sends the payment request information data packet to the first server.

In this embodiment, the first terminal sends the purchase information data packet to the second terminal; the second terminal parses the purchase information data packet to obtain a payment account number and a payment amount, and generates a payment request information data packet according to the payment account number and the payment amount, and The payment request information packet is sent to the second server.

Step 402: The first server parses the payment request information data packet to obtain a payment account number and a payment amount, and freezes the funds corresponding to the payment amount of the payment account.

Step 403: The second server sends the payment information data packet to the first server.

Step 404: The first server verifies the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are transferred to the preset collection account through the second server.

In one embodiment, the purchase information data package further includes a shopping order; after the first server freezes the funds corresponding to the payment amount of the payment account, the method further includes: the second terminal sending the shopping order to the logistics server The first terminal and the second terminal receive the shipped information of the goods corresponding to the shopping order sent by the logistics server, and the shipping information includes the logistics order number.

In another embodiment, after the first server freezes the funds corresponding to the payment amount of the payment account, the method further includes: sending, by the first server, the committed payment message generated after the payment of the payment amount is successfully frozen. To the first terminal and the second server.

The second server sends the promised payment message to the second terminal; the second terminal generates the delivery prompt information according to the promised payment message.

In one embodiment, the method further comprises the step of encrypting the purchase information data packet, the payment request information data packet, the payment request information data packet, and the payment information data packet.

As shown in FIG. 5, in an embodiment, a network transaction payment method is provided, and the method is applied to a first server corresponding to a first terminal of a payer; the method includes the following steps:

Step 501: Receive a payment request information data packet sent by the second server.

Step 502: Parse the payment request information data packet, obtain a payment account number and a payment amount, and freeze the funds corresponding to the payment amount of the payment account.

Step 503: Receive a payment information data packet sent by the second server.

Step 504: Verify the legality of the payment information data packet, and after the verification, the frozen funds are thawed, and the thawed funds are transferred to the preset collection account through the second server.

In an embodiment, in step 502, the payment request information data packet is parsed to obtain a payment account number and a payment amount, and after the funds corresponding to the payment amount of the payment account are frozen, the method further includes: successfully funding the payment amount. The committed payment messages generated after the freezing are sent to the first terminal and the second server, respectively.

As shown in FIG. 6, in an embodiment, a network transaction collection method is provided, and the method is applied to a second server corresponding to a second terminal of a payee; the method includes the following steps:

Step 601: Receive a payment request information data packet generated by the second terminal according to the payment account number and the payment amount.

Step 602: Generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet to the first server. In this embodiment, the first server parses the payment request information data packet, obtains the payment account number and the payment amount, and freezes the funds corresponding to the payment amount of the payment account.

Step 603, sending a payment information data packet to the first server. In this embodiment, the first server verifies the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are transferred to the preset collection account through the second server.

In one embodiment, the method further comprises: receiving a promised payment message generated by the first server to freeze the funds of the payment amount successfully; and transmitting the promised payment message to the second terminal.

In an embodiment, before the sending the payment information data packet to the first server, the method further includes: receiving the payment information data packet sent by the second terminal, where the payment information data packet is sent by the second terminal receiving the logistics server. The user has received a confirmation receipt message for the item and generated it based on the confirmed receipt information.

A person skilled in the art can understand that all or part of the process of implementing the above embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium, and the program is executed. At the time, the flow of the embodiment of each of the above methods may be included. The storage medium may be a magnetic disk, an optical disk, or a read-only memory (Read-Only). A nonvolatile storage medium such as a memory or a ROM, or a random access memory (RAM).

The technical features of the above embodiments may be arbitrarily combined. For the sake of brevity of description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, It is considered to be the range described in this specification.

The above embodiments are merely illustrative of several embodiments of the present invention, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, the scope of the invention should be determined by the appended claims.

Claims

A network transaction payment method, the method being applied to a first server, the method comprising:

Receiving a payment request information data packet sent by the second server;

Parsing the payment request information data packet to obtain a payment account number and a payment amount, and freezing the funds corresponding to the payment amount corresponding to the payment account;

Receiving a payment information data packet sent by the second server;

The legality of the payment information data packet is verified, the frozen funds are thawed after the verification is passed, and the thawed funds are transferred to the preset collection account through the second server.
The method according to claim 1, wherein after the step of freezing the funds corresponding to the payment amount corresponding to the payment account, the method further comprises:

The promised payment message generated after the payment of the payment amount is successfully frozen is sent to the first terminal and the second server, respectively.
A network transaction collection method, the method being applied to a second server, the method comprising:

Receiving a payment request information data packet generated by the second terminal according to the payment account and the payment amount;

Generating a payment request information data packet according to the payment request information data packet, and transmitting the payment request information data packet to the first server, causing the first server to parse the payment request information data packet to obtain payment The account number and the payment amount, and the funds corresponding to the payment amount corresponding to the payment account are frozen;

Sending the payment information data packet to the first server, causing the first server to verify the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed The funds are transferred to the preset collection account through the second server.
The method of claim 3, further comprising:

Receiving a promised payment message generated after the first server freezes the funds of the payment amount successfully;

Sending the promised payment message to the second terminal.
The method according to claim 3, further comprising: before the step of transmitting the payment information data packet to the first server, further comprising:

Receiving a payment information data packet sent by the second terminal, where the payment information data packet is a confirmation receipt message sent by the second terminal to the user that has received the goods, and is generated according to the confirmed receipt information.
A network transaction payment method, the method comprising:

The second server sends the payment request information data packet to the first server;

The first server parses the payment request information data packet, obtains a payment account number and a payment amount, and freezes the funds corresponding to the payment amount with the payment account;

Sending, by the second server, a payment information data packet to the first server;

The first server checks the legality of the payment information data packet, and after the verification passes, thaws the frozen funds, and transfers the thawed funds to the preset through the second server. Collection account.
The method according to claim 6, wherein after the step of the first server freezing the funds corresponding to the payment amount with the payment account, the method comprises:

The first server sends the committed payment message generated after the payment of the payment amount is successfully frozen to the first terminal and the second server respectively.
A network transaction payment system, characterized in that the system comprises:

a first terminal, configured to send a purchase information data packet to the second terminal;

The second terminal is configured to parse the purchase information data packet to obtain a payment account number and a payment amount, generate a payment request information data packet according to the payment account number and the payment amount, and send the payment request information data packet Send to the second server;

The second server is configured to generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet to the first server;

The first server is configured to parse the payment request information data packet, obtain a payment account number and a payment amount, and freeze the funds corresponding to the payment amount with the payment account;

The second server is further configured to send a payment information data packet to the first server;

The first server is further configured to check the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are transferred to the second server. Enter the default payment account.
The system according to claim 8, wherein the first server is further configured to send a committed payment message generated after the payment of the payment amount is successfully frozen to the first terminal and the second server;

The second server is further configured to send the committed payment message to the second terminal;

The second terminal is further configured to generate delivery prompt information according to the committed payment message.
The system according to any one of claims 8 to 9, wherein the system further comprises: a data recording server, wherein the data recording server is configured to back up the first terminal, the first server, Transaction data transmitted between the second terminal and the second server, the transaction data includes: a purchase information data packet, a payment request information data packet, a payment request data packet, and a payment information data packet.