WO2017012042A1

WO2017012042A1 - Network payment method, system and device

Info

Publication number: WO2017012042A1
Application number: PCT/CN2015/084632
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA2993052C; CA2993052A1

Abstract

A network payment method, system and device, the method comprising the steps of: a second terminal sends an electronic certificate payment application and a payment command to a second funds management server (S11); the second funds management server forwards the payment application and the payment command to a first funds management server (S12); the first funds management server verifies the payment command and the status of an electronic certificate corresponding to the payment application (S13), and after verification has been passed, executes a payment with regard to the electronic certificate (S14). The network payment method increases the security of the network payment, ensuring that funds of a buyer are secure, and that a seller receives funds in a timely manner after fulfillment, thereby protecting the interests of both the buyer and the seller, significantly increasing the security of a whole transaction process, and promoting the healthy development of e-commerce.

Description

Network payment method, system and device

Technical field

[0001] The present invention relates to the field of electronic commerce technologies, and in particular, to a network payment method, system, and device.

Background technique

[0002] With the rapid development of computers, networks and modern communication technologies, e-commerce has become a popular and even popular transaction method. E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and to network, electronically and informatize the entire transaction process, reducing the cost of transactions. Increased trading efficiency.

[0003] E-commerce payment methods usually use online payment. Traditional online payment is mostly to transfer the funds in the bank card directly to the other party's account, or to a third-party organization as a guarantee. After the buyer's fund transfer instruction is issued, the funds will flow directly. The following situations often occur: The buyer has not received the goods or services provided by the merchant, and the funds have been paid by the bank or a third party to the seller; or the seller provides the goods. After the service or the service, the buyer is unable to pay the corresponding funds; or the buyer transfers the funds to the wrong counterparty account. Therefore, the traditional online payment method has certain trading risks and cannot guarantee the interests of both buyers and sellers.

technical problem

[0004] A primary object of the present invention is to provide a network payment method, system and apparatus, which aim to improve the security of network payment and reduce transaction risk.

Problem solution

Technical solution

[0005] In order to achieve the above objective, the present invention provides a network payment method, including the steps of:

[0006] The second fund management server forwards the cancellation request and the cancellation password of the electronic voucher sent by the second terminal to the first fund management server;

[0007] The first fund management server verifies the cancellation password and the status of the electronic certificate corresponding to the cancellation application, and when the verification is passed, performs execution of the electronic voucher.

[0008] The present invention also provides a network payment method, which is applied to a first money management server, and includes the steps of: Receiving a cancellation application and a cancellation password for the electronic voucher sent by the second fund management server;

[0010] verifying the settlement password and the status of the electronic voucher corresponding to the cancellation request;

[0011] After the verification is passed, the payment is performed on the electronic voucher.

[0012] The present invention provides a network payment system including a second terminal, a first money management server, and a second money management server, wherein:

[0013] the second terminal is configured to send a settlement request and a cancellation password to the electronic voucher to the second fund management server;

[0014] the second fund management server is configured to forward the settlement request and the cancellation password to the first fund management server;

[0015] The first fund management server is configured to verify the release password and the status of the electronic voucher corresponding to the cancellation request, and when the verification is passed, perform cancellation on the electronic voucher.

[0016] The present invention also provides a network payment device, which is applied to a first fund management server, and includes a receiving module, a verification module, and a solution module, wherein:

[0017] the receiving module is configured to receive a cancellation application and a cancellation password for the electronic voucher sent by the second fund management server;

[0018] the verification module is configured to verify the release password and the status of the electronic voucher corresponding to the cancellation request;

[0019] the solution module is configured to perform settlement on the electronic voucher after the verification module passes the verification

Advantageous effects of the invention

Beneficial effect

[0020] The network payment method, system and device provided by the present invention, the second terminal provides a settlement request to the first fund management server through the second fund management server, and provides the settlement password, and the first fund is provided. The management server performs the payment of the electronic voucher after the verification of the password is passed, which improves the security of the network payment, ensures the security of the buyer's funds, and ensures that the seller can receive the funds after the performance of the contract, and maintains the sale. The interests of both parties have reduced the risk of transactions and promoted the healthy development of e-commerce. DRAWINGS

1 is a flow chart of a first embodiment of a network payment method of the present invention;

2 is a schematic diagram of interaction of each body of an electronic voucher in an embodiment of the present invention; [0022] FIG.

3 is a flow chart of a second embodiment of the network payment method of the present invention;

4 is a block diagram showing an embodiment of a network payment system according to the present invention;

5 is a block diagram showing a first embodiment of a network payment device according to the present invention;

6 is a schematic diagram showing the mode of a second embodiment of the network payment device of the present invention.

[0027] The implementation, functional features, and advantages of the present invention will be further described with reference to the accompanying drawings.

Embodiments of the invention

[0028] It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0029] In the embodiment of the present invention, the fund management server is a server of the fund management institution, and the fund management institution refers to an organization capable of supporting capital flow, including but not limited to a bank and other financial institutions (such as a securities institution), that is, a fund management server. Includes bank servers or other financial institution servers.

[0030] In the embodiment of the present invention, the electronic voucher refers to a payment voucher that is applied by the buyer to the fund management server and is established by the fund management server by using the fund or the credit line of the account specified by the buyer as the security deposit, and is the commitment of the fund management institution. The electronic credit vouchers for the collection and payment settlement are the basic financial tools for Internet innovation paid by the credit management institution.

[0031] In the embodiment of the present invention, the erection of the electronic voucher refers to the first terminal to the first fund management server (ie, before the transaction parties form a transaction order, form a transaction order, or form a transaction order) The certification authority, such as the server of the bank, applies for an electronic certificate. The first fund management server applies for the electronic voucher according to the certificate of the first terminal, and performs the corresponding reservation processing (usually the funds or credit in the frozen account) in the account specified by the first terminal. behavior.

[0032] In the embodiment of the present invention, the payment of the electronic voucher refers to the receipt of the application for cancellation by the defamation institution (such as the bank of the bank) and confirmation of the payment of the condition, and then the collection to the collection institution (such as the collection bank) The act of drawing funds associated with an electronic voucher.

[0033] In the embodiment of the present invention, the first terminal is held by an applicant (such as a buyer) who proposes to establish an electronic voucher. The terminal, the second terminal is a terminal held by a requesting party (such as a seller) who proposes to release the electronic voucher.

[0034] The present invention uses the electronic voucher to perform network payment, which greatly reduces the transaction risk and protects the interests of both the buyer and the seller as compared with the traditional online payment method. The electronic voucher is mainly for the buyer's product. The seller downloads the cashier access interface. The buyer completes the e-voucher certificate, the seller completes the receipt and performs the contract, and submits the payment. Finally, the electronic voucher expires automatically. E-vouchers can be used not only for the purchase of goods, but also for mortgage guarantees, such as individuals who can use a letter of credit from a bank as a guarantee for loans to others.

[0035] The general flow of the network payment by the electronic voucher is: the first fund management server (ie, the server of the certification card, such as the bank of the bank), the electronic certificate is established according to the application of the first terminal, and the second fund management server The certificate institution, such as the server of the receiving bank, accepts the receipt according to the application of the second terminal, and the second terminal submits the cancellation application to the first fund management server through the second fund management server, and the first fund management server solves the payment according to the settlement application. The electronic voucher is configured to transfer funds of the first terminal associated with the electronic voucher to the second terminal.

[0036] wherein, the electronic voucher settlement link is equivalent to the link of the buyer to the seller, and therefore is a key link of the entire transaction. Hereinafter, the solution of the electronic voucher is described in detail through a specific embodiment.

[0037] Referring to FIG. 1 and FIG. 2, a first embodiment of a network payment method according to the present invention is provided. The method includes the following steps:

[0038] SI 1. The second terminal sends a settlement request and a settlement password to the electronic voucher to the second fund management server.

[0039] In this step S11, after the cancellation requesting party (such as the seller) completes the transaction condition corresponding to the electronic voucher according to the payment condition of the electronic voucher, the second terminal logs in to the corresponding webpage or opens the corresponding application to The second money management server sends the settlement request and the settlement password.

[0040] Optionally, the decrypting password may be the signing information reserved by the first terminal to apply for the electronic voucher to the first fund management server, and then the first terminal sends the signing information to the second terminal, or The first fund management server sends the signing information to the second terminal through the first terminal or the second fund management server, or the first money management server directly sends the signing information to the second terminal. After receiving the receipt information, the second terminal uses the receipt information as the cancellation password, and submits the cancellation password to the second fund management server for application for settlement within a predetermined period of time. [0041] Optionally, the decryption password may also be a password generated by the first fund management server, and sent to the second terminal by the first terminal or the second fund management server, or directly sent to the second terminal. After receiving the password, the second terminal uses the password as the decryption password, and submits the decrypted password to the second fund management server for cancellation within a predetermined period of time.

[0042] S12. The second fund management server forwards the settlement request and the settlement password to the first fund management server.

[0043] Preferably, after receiving the cancellation application, the second fund management server acquires the identity information of the cancellation applicant and verifies the identity of the cancellation applicant. After the authentication is passed, the settlement request and the cancellation password are forwarded to the first fund management server; when the identity verification fails, the second terminal is notified to fail the verification, such as returning an error prompt message to the second terminal.

[0044] S13. The first fund management server verifies the status of the settlement password and the electronic voucher corresponding to the cancellation application. After the verification is passed, step S14 is performed; when the verification fails, the process ends, and the second fund management server may be notified, for example, returning an error prompt message to the second fund management server.

[0045] In this step S13, after receiving the cancellation application and the cancellation password, the first fund management server verifies the status of the electronic voucher and the cancellation password. When both of the verifications are successful, the verification is passed, and when the verification is not performed, Successfully, verification failed. The status of the electronic voucher can be verified first. After the status verification of the electronic voucher is successful, the decryption password is verified. After the verification of the decrypted password is successful, the verification is passed; or, the decryption password can be verified first, and the password verification is performed. After successful, the status of the electronic voucher is verified. When the status verification of the electronic voucher is successful, the verification is passed.

[0046] verifying the status of the electronic voucher corresponding to the settlement application, including verifying whether the electronic voucher is valid or/and whether the payment has been cancelled, and if the electronic voucher is valid or/and has not been solved, the verification is successful; if the electronic voucher is invalidated Or / and paid, the verification failed.

[0047] For the verification of the settlement password: when the settlement password is the receipt information reserved by the first terminal in the electronic certificate, verifying whether the cancellation password is consistent with the receipt information reserved by the first terminal, if they are consistent If the verification is successful, if the inconsistency is unsuccessful, the verification fails. When the password is the password generated by the first fund management server, verify that the settlement password is consistent with the generated password. If they are consistent, the verification is successful. If they are inconsistent, the verification fails.

[0048] Further, after the electronic voucher is verified, the first fund management server updates the status of the electronic voucher To be paid, and send a settlement notice to the first terminal.

[0049] S14. The first fund management server performs cancellation on the electronic voucher.

[0050] Specifically, the first fund management server thaws the frozen funds or the credit line (credit credit limit or loan amount) in the account associated with the electronic voucher, and transfers the thawed funds to the second fund management server, The second fund management server finally transfers the settlement funds to the account designated by the second terminal. The account associated with the electronic voucher, that is, the first terminal applies for the account designated as the guarantee specified by the electronic voucher.

[0051] Further, after the electronic voucher is released, the first fund management server updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.

Referring to FIG. 3, a second embodiment of the network payment method of the present invention is provided. The method in this embodiment is applied to the foregoing first fund management server, and the method includes the following steps:

[0053] S21. Receive a cancellation application and a cancellation password for the electronic voucher sent by the second fund management server.

[0054] Specifically, after the cancellation requesting party (such as the seller) completes the transaction condition corresponding to the electronic voucher according to the payment condition of the electronic voucher, the second terminal logs in to the corresponding webpage or opens the corresponding application to the second The fund management server sends the settlement request and the settlement password, and the second fund management server forwards the cancellation application and the settlement password to the first fund management server.

[0055] Optionally, the decryption password may be the receipt information reserved by the first terminal to apply for the establishment of the electronic certificate to the first fund management server, and then the first terminal sends the receipt information to the second terminal, or The first fund management server sends the signing information to the second terminal through the first terminal or the second fund management server, or the first money management server directly sends the signing information to the second terminal. After receiving the receipt information, the second terminal uses the receipt information as the cancellation password, and submits the cancellation password to the second fund management server for cancellation within a predetermined period of time.

[0056] Optionally, the decryption password may also be a password generated by the first fund management server, and sent to the second terminal by the first terminal or the second fund management server, or directly sent to the second terminal. After receiving the password, the second terminal uses the password as the decryption password, and submits the decrypted password to the second fund management server for cancellation within a predetermined period of time.

[0057] S22. Verify the status of the electronic password corresponding to the cancellation password and the cancellation application. After the verification is passed, step S23 is performed; when the verification fails, the process ends, and the second fund management server can be notified, such as Return an error message to the second money management server.

[0058] In this step S22, after receiving the cancellation application and the cancellation password, the first fund management server verifies the status of the electronic voucher and the cancellation password. When both of the verifications are successful, the verification is passed, and when the verification is not performed, Successfully, verification failed. The status of the electronic voucher can be verified first. After the status verification of the electronic voucher is successful, the decryption password is verified. After the verification of the decrypted password is successful, the verification is passed; or, the decryption password can be verified first, and the password verification is performed. After successful, the status of the electronic voucher is verified. When the status verification of the electronic voucher is successful, the verification is passed.

[0059] verifying the status of the electronic voucher corresponding to the settlement request, including verifying whether the electronic voucher is valid or/and whether the payment has been cancelled, and if the electronic voucher is valid or/and has not been solved, the verification is successful; if the electronic voucher is invalid Or / and paid, the verification failed.

[0060] For the verification of the settlement password: when the settlement password is the receipt information reserved by the first terminal in the electronic certificate, verifying whether the cancellation password is consistent with the receipt information reserved by the first terminal, if they are consistent The verification is successful. If they are inconsistent, the verification fails. When the password is the password generated by the first fund management server, it is verified whether the password is consistent with the generated password. If they are consistent, the verification is successful. If they are inconsistent, the verification fails.

[0061] Further, after the electronic voucher is verified, the first fund management server updates the status of the electronic voucher to be released, and sends a dismissal notification to the first terminal.

[0062] S23. Perform cancellation on the electronic voucher.

[0063] Specifically, the first fund management server thaws the frozen funds or credit lines in the account associated with the electronic voucher, and transfers the thawed funds to the second fund management server, and the second fund management server will eventually solve the problem. The funds are transferred to the account designated by the second terminal. The account associated with the electronic voucher, that is, the first terminal applies for the account designated as the guarantee designated by the electronic voucher.

[0064] Further, after the electronic voucher is released, the first fund management server updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.

[0065] Thus, in the network payment method of the present invention, the second terminal submits an application for cancellation of the electronic voucher to the first fund management server through the second fund management server, and provides the cancellation password, and passes through the first fund management server. After the verification of the password is passed, the electronic voucher is executed, which improves the security of the network payment, which not only ensures the security of the buyer's funds, but also ensures that the seller can receive the funds after the performance of the contract. It safeguards the interests of buyers and sellers, reduces transaction risks, and promotes the healthy development of e-commerce.

Referring to FIG. 4, an embodiment of a network payment system according to the present invention is provided. The system includes a first terminal, a second terminal, a first fund management server, and a second fund management server, where:

[0067] The first terminal is configured to apply for a certificate to the first fund management server, and apply for an electronic certificate.

[0068] The second terminal is configured to send a settlement request and a cancellation password for the electronic voucher to the second money management server.

[0069] Specifically, after the cancellation requesting party (such as the seller) completes the transaction condition corresponding to the electronic voucher according to the payment condition of the electronic voucher, the second terminal logs in to the corresponding webpage or opens the corresponding application to the second The money management server sends the settlement request and the settlement password.

[0070] Optionally, the decrypting password may be the signing information reserved by the first terminal to apply for the electronic voucher to the first fund management server, and then the first terminal sends the signing information to the second terminal, or The first fund management server sends the signing information to the second terminal through the first terminal or the second fund management server, or the first money management server directly sends the signing information to the second terminal. After receiving the receipt information, the second terminal uses the receipt information as the cancellation password, and submits the cancellation password to the second fund management server for cancellation within a predetermined period of time.

[0071] Optionally, the decryption password may also be a password generated by the first fund management server, and sent to the second terminal by the first terminal or the second fund management server, or directly sent to the second terminal. After receiving the password, the second terminal uses the password as the decryption password, and submits the decrypted password to the second fund management server for cancellation within a predetermined period of time.

[0072] The second money management server is configured to forward the settlement request and the settlement password to the first money management server.

[0073] Preferably, after receiving the cancellation application, the second fund management server acquires the performance information and the identity information of the cancellation applicant, and verifies the identity of the cancellation applicant. After the authentication is passed, the decryption application and the settlement password are forwarded to the first fund management server; when the identity verification fails, the second terminal is notified that the verification fails, such as returning an error prompt message to the second terminal.

[0074] The first fund management server is configured to: set up an electronic voucher according to the certificate application of the first terminal; receive the cancellation application and the cancellation password for the electronic voucher sent by the second fund management server, verify the settlement password and the cancellation application The status of the corresponding electronic voucher is executed after the verification is passed. [0075] Specifically, after receiving the cancellation application and the cancellation password, the first fund management server verifies the status of the electronic voucher and the decryption password. When both of the verifications are successful, the verification is passed, and when the verification is unsuccessful, , verification failed. The status of the electronic voucher can be verified first. After the status verification of the electronic voucher is successful, the decryption password is verified. After the verification of the decrypted password is successful, the verification is passed; or, the decryption password can be verified first, and the password verification is performed. After successful, the status of the electronic voucher is verified. When the status verification of the electronic voucher is successful, the verification is passed.

[0076] verifying the status of the electronic voucher corresponding to the settlement request, including verifying whether the electronic voucher is valid or/and whether the payment has been cancelled, and if the electronic voucher is valid or/and not yet solved, the verification is successful; if the electronic voucher is invalidated Or / and paid, the verification failed.

[0077] For the verification of the settlement password: when the settlement password is the receipt information reserved by the first terminal in the electronic certificate, verifying whether the settlement password is consistent with the receipt information reserved by the first terminal, if they are consistent The verification is successful. If they are inconsistent, the verification fails. When the password is the password generated by the first fund management server, it is verified whether the password is consistent with the generated password. If they are consistent, the verification is successful. If they are inconsistent, the verification fails.

[0078] Further, after the electronic credential verification is passed, the first fund management server updates the status of the electronic voucher to be released, and sends a settlement notice to the first terminal.

[0079] The first fund management server performs the settlement, specifically: unfreezing the frozen funds or the credit line in the account associated with the electronic voucher, and transferring the thawed funds to the second fund management server, the second fund management server Eventually, the funds will be transferred to the account designated by the second terminal. The account associated with the electronic voucher, that is, the first terminal applies for the account designated as the guarantee specified by the electronic voucher.

[0080] Further, after the electronic voucher is released, the first fund management server updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.

[0081] The network payment system and the network payment method embodiment provided by the foregoing embodiments are in the same concept. The specific implementation process is described in the method embodiment, and the technical features in the method embodiment are applicable in the system embodiment. Let me repeat.

Referring to FIG. 5, a first embodiment of a network payment device according to the present invention is provided. The device in this embodiment is applied to the foregoing first money management server, and the device includes a receiving module, a verification module, and a solution module, wherein [0083] The receiving module is configured to receive a settlement request and a cancellation password for the electronic voucher sent by the second fund management server.

[0084] In this embodiment, the decryption password is the signature information reserved by the first terminal after applying to the first fund management server for the establishment of the electronic certificate, and then the first terminal sends the receipt information to the second terminal, or The first fund management server sends the signing information to the second terminal through the first terminal or the second fund management server, or the first money management server directly sends the signing information to the second terminal. After receiving the receipt information, the second terminal uses the receipt information as the cancellation password, and submits the cancellation password to the second fund management server for settlement within a prescribed time limit, and the second fund management service will then release the password. The settlement application is forwarded to the first fund management server.

[0085] The verification module is configured to verify the status of the decryption password and the electronic voucher corresponding to the cancellation application. After the verification is passed, the dispatch module is notified to perform the settlement; when the verification fails, the second fund management server may be notified, such as returning the error prompt information to the second fund management server.

[0086] Specifically, the verification module verifies the status of the electronic voucher and the decryption password. When both of the verifications are successful, the verification is passed, and when any of the verifications is unsuccessful, the verification fails. The status of the electronic voucher can be verified first. After the status verification of the electronic voucher is successful, the decryption password is verified. After the verification of the decrypted password is successful, the verification is passed; or, the decryption password can be verified first, and the password verification is performed. After successful, the status of the electronic voucher is verified. When the status verification of the electronic voucher is successful, the verification is passed.

[0087] verifying the status of the electronic voucher corresponding to the settlement request, including verifying whether the electronic voucher corresponding to the cancellation request is valid or/and whether the payment is resolved, and if the electronic voucher is valid or/and not yet solved, verifying Successful; if the electronic voucher is invalidated or/and has been resolved, the verification fails.

[0088] Verifying the decryption password, that is, verifying whether the decryption password is consistent with the receipt information reserved by the first terminal. If they are consistent, the verification is successful, and if they are inconsistent, the verification fails.

[0089] The solution module: configured to perform the settlement of the electronic voucher after the verification module passes the verification.

[0090] Specifically, the solution module unfreezes the frozen funds or credit lines in the account associated with the electronic voucher, and transfers the thawed funds to the second fund management server, and the second fund management server will eventually release the funds. Transfer to the account specified by the second terminal. The account associated with the electronic voucher, that is, the first terminal applies for the account designated as the guarantee designated by the electronic voucher.

[0091] Further, a status update module is further included, and the status update module is configured to: when the verification module verifies Afterwards, the status of the electronic voucher is updated to be solved, and the settlement notice is sent to the first terminal; after the electronic voucher is released, the status of the updated electronic voucher is released, and the update f π is sent to the second fund management server. interest.

Referring to FIG. 6, a second embodiment of the network payment device of the present invention is proposed. The device in this embodiment is applied to the foregoing first fund management server. The difference between this embodiment and the first embodiment is that a password generation module is added. , among them:

[0093] The password generating module is configured to: generate a password, and send the generated password to the second terminal through the first terminal or the second fund management server, or directly to the second terminal. After the second terminal receives the password, the password is used as the settlement password, and the cancellation password is submitted to the second fund management server for settlement within a predetermined period of time.

[0094] In this embodiment, the verification module verifies that the decryption password is specifically: whether the verification password is consistent with the password generated by the password generation module, and if the matching is successful, the verification is successful, and if not, the verification fails.

[0095] The network payment device and the network payment method embodiment provided by the foregoing embodiments are in the same concept. The specific implementation process is described in the method embodiment, and the technical features in the method embodiment are applicable in the device embodiment. Let me repeat.

[0096] Thus, the network payment system and apparatus of the present invention provides a settlement password to the first fund management server through the second fund management server, and provides a settlement password through the first fund management server. After the verification of the password is passed, the electronic voucher is executed, which improves the security of the electronic voucher settlement, which not only ensures the security of the buyer's funds, but also ensures that the seller can receive funds after the performance of the contract, and maintains the buyer and the seller. The benefits of the transaction reduce the risk of trading and promote the healthy development of e-commerce.

[0097] It will be understood by those skilled in the art that all or part of the steps of the foregoing embodiments may be implemented by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.

[0098] It should be understood that the above is only a preferred embodiment of the present invention, and the scope of the invention is not limited thereby, and the equivalent structure or equivalent process transformation using the specification and the drawings of the present invention may be directly or Indirect use in other related technical fields, including the industrial applicability within the scope of patent protection of the present invention. The network payment method, system and device provided by the present invention, the second terminal provides a settlement request to the first fund management server through the second fund management server, and provides the cancellation password, and the first fund management server After the verification of the password is passed, the payment of the electronic voucher is executed, which improves the security of the online payment, which not only ensures the security of the buyer's funds, but also ensures that the seller can receive the funds after the performance of the contract, and safeguards the interests of the buyer and the seller. , reducing transaction risk and promoting the healthy development of e-commerce

Claims

Claim

[Claim 1] A network payment method, comprising the steps of:

The second fund management server forwards the cancellation request and the cancellation password of the electronic voucher sent by the second terminal to the first fund management server;

The first fund management server verifies the release password and the status of the electronic voucher corresponding to the cancellation request, and when the verification is passed, performs execution of the electronic voucher.

[Claim 2] A network payment method, applied to a first money management server, comprising the steps of:

Receiving a cancellation application and a cancellation password for the electronic voucher sent by the second fund management server; verifying the cancellation password and the status of the electronic voucher corresponding to the cancellation request; and performing verification on the electronic voucher after the verification is passed Solve.

[Claim 3] The network payment method according to claim 2, wherein the decryption password is a receipt information reserved by the first terminal in the electronic receipt, and the verification of the cancellation password includes: verification Whether the decryption password is consistent with the receipt information, if the agreement is successful, the verification is successful, and if not, the verification fails.

[Claim 4] The network payment method according to claim 2, wherein the decryption password is the first

A password generated by the fund management server and sent to the second terminal, the verifying the unlocking password includes:

It is verified whether the decryption password is consistent with the generated password. If they are consistent, the verification is successful, and if they are inconsistent, the verification fails.

[Claim 5] The network payment method according to any one of claims 2-4, wherein the verifying the status of the electronic voucher corresponding to the cancellation request comprises:

It is verified whether the electronic voucher corresponding to the cancellation request is valid or/and whether it has been cancelled. If the electronic voucher is valid or/and has not been solved, the verification is successful, otherwise the verification fails.

[Claim 6] The network payment method according to any one of claims 2-4, wherein the step of performing the settlement of the electronic voucher further comprises:

When the verification is passed, the status of the electronic voucher is updated to be released.

[Claim 7] A network payment system, comprising a second terminal, a first money management server, and a second money management server, wherein: The second terminal is configured to send a settlement request and a cancellation password to the electronic voucher to the second fund management server;

The second fund management server is configured to forward the settlement request and the settlement password to the first fund management server;

The first fund management server is configured to verify the status of the cancellation password and the electronic voucher corresponding to the cancellation request, and when the verification is passed, perform execution of the electronic voucher.

A network payment device is applied to a first fund management server, comprising a receiving module, an authentication module and a solution module, wherein:

The receiving module is configured to receive a cancellation application and a cancellation password for the electronic voucher sent by the second fund management server;

The verification module is configured to verify the release password and a status of the electronic certificate corresponding to the cancellation request;

The solution module is configured to perform a settlement on the electronic voucher after the verification module passes the verification.

The network payment device according to claim 8, wherein the decryption password is a receipt information reserved by the first terminal in the electronic receipt, and the verification module is configured to: verify the cancellation password and the Whether the signing information is consistent. If they are consistent, the verification is successful. If they are inconsistent, the verification fails.

The network payment device according to claim 8, further comprising a password generating module, wherein the password generating module is configured to: generate a password, and send the generated password to the first terminal or the second money management server Two terminals, or directly sent to the second terminal;

The verification module is configured to: verify whether the decryption password is consistent with the password generated by the password generation module, if the matching is successful, the verification is successful, and if not, the verification fails.

The network payment device according to any one of claims 8 to 10, wherein the verification module is configured to:

Verifying whether the electronic voucher corresponding to the cancellation application is valid or/and has been solved, if If the electronic voucher is valid or/and has not been solved, the verification is passed, otherwise the verification fails.

[Claim 12] The network payment device according to any one of claims 8 to 10, further comprising a status update module, wherein the status update module is configured to: update the electronic voucher after the verification module passes the verification The status is pending payment.