WO2017012064A1 - Procédé, dispositif et système de transaction en ligne - Google Patents

Procédé, dispositif et système de transaction en ligne Download PDF

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Publication number
WO2017012064A1
WO2017012064A1 PCT/CN2015/084662 CN2015084662W WO2017012064A1 WO 2017012064 A1 WO2017012064 A1 WO 2017012064A1 CN 2015084662 W CN2015084662 W CN 2015084662W WO 2017012064 A1 WO2017012064 A1 WO 2017012064A1
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WO
WIPO (PCT)
Prior art keywords
server
buyer
seller
bank server
bank
Prior art date
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PCT/CN2015/084662
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English (en)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
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 PCT/CN2015/084662 priority Critical patent/WO2017012064A1/fr
Priority to CA2993088A priority patent/CA2993088C/fr
Publication of WO2017012064A1 publication Critical patent/WO2017012064A1/fr

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

Definitions

  • the present invention relates to the field of Internet technologies, and in particular, to an online transaction method, apparatus, and system.
  • the online payment method mainly uses a third-party payment platform.
  • the buyer transfers the transaction funds to the third-party payment platform.
  • the third-party payment platform also stores the transaction information. After the buyer receives the goods, the third-party payment platform transfers the transaction funds to the seller, and the transaction is completed.
  • the bank server cannot achieve the effective flow of funds for the delivery of the first-hand payment, which may result in a large deviation between the flow of funds of the bank server and the actual transaction.
  • the user is exposed to the risk of capital risks, and the transaction funds and transaction information have the risk of being stolen in the third-party payment platform information, and the security is not high. It can be seen that an improved trading method is needed at this stage to reduce the risk of capital risks and improve the security of transaction information.
  • a primary object of the present invention is to provide an online transaction method, apparatus and system for reducing capital risk and improving transaction security.
  • an online transaction method comprising the steps of:
  • the commodity server after receiving the order information sent by the client, the commodity server sends a silver credit card certification request to the seller bank server according to the order information;
  • the seller bank server generates a bank letter to be valid according to the bank letter verification request, and sends it to the buyer bank server;
  • the buyer bank server obtains the buyer's payment verification information from the client and performs verification; after the verification is passed, the funds corresponding to the order amount in the buyer account are frozen, and the status of the silver credit card is Updated to the active status and sent to the seller's bank server;
  • the seller bank server updates the status of the valid silver certificate to the received certificate, and sends the received notification to the commodity server;
  • the commodity server sends the order information to the transaction intermediary server according to the received notification; [0013] the transaction intermediary server arranges delivery according to the order information, and after determining that the buyer has received the goods, Sending a receipt notification to the seller's bank server;
  • the seller bank server sends the received goods notification to the buyer bank server
  • the buyer bank server transfers the frozen funds in the buyer account to the seller account of the seller bank server.
  • an online transaction method for use in a commodity server, the method comprising the steps of:
  • an online transaction method is provided for use in a seller's bank server
  • the method includes the following steps:
  • an online transaction method is provided for use in a buyer's bank server
  • the method includes the following steps:
  • an online transaction system comprising: a client configured to generate order information based on a commodity subscribed by a buyer, further comprising a commodity server, a buyer bank server, a seller bank server, and a transaction intermediary server , among them:
  • the commodity server is configured to: after receiving the order information sent by the client, send a silver credit certificate request to the seller bank server; receive the received certificate sent by the seller bank server After the notification, sending the order information to the transaction intermediary server;
  • the seller bank server is configured to: after receiving the request for the bank credit certificate, generate a bank certificate to be valid and send it to the buyer bank server; receive the sent by the buyer bank server After the silver letter certificate has been validated, the status of the bank letter is updated to the status of the received certificate, and the received certificate notification is sent to the commodity server; after receiving the received goods notification sent by the transaction intermediary server, Sending the received delivery notice to the buyer bank server;
  • the transaction intermediation server is configured to arrange delivery according to the order information, and send a receipt notification to the seller bank server after determining that the buyer has received the goods;
  • the buyer bank server is configured to: after receiving the silver credit certificate in the inactive state, obtain the buyer's payment verification information from the client and perform verification; when the verification is passed, freeze the buyer account Medium The funds corresponding to the order amount, and updating the status of the bank letter to the valid state, and sending the status to the seller bank server; after receiving the received goods notification, transferring the funds frozen by the buyer account To the seller's account of the seller's bank server.
  • an online transaction apparatus for use in a commodity server, the apparatus comprising the following modules:
  • the first receiving module is configured to receive the order information sent by the client, and the received notification sent by the seller bank server;
  • the certificate requesting module is configured to, after receiving the order information sent by the client, send a silver credit card verification request to the seller bank server according to the order information;
  • the order information sending module is configured to send the order information to the transaction intermediary server after receiving the received notification sent by the seller bank server.
  • an online transaction apparatus for use in a seller's bank server
  • the device includes the following modules:
  • the second receiving module is configured to receive the silver credit certificate request sent by the commodity server, the valid silver credit sent by the buyer bank server, and the received delivery notification sent by the transaction intermediary server;
  • the silver credit card generating module is configured to generate a silver credit card in a state to be valid according to the silver credit card verification request; [0039] a silver credit card sending module, configured to set the silver credit card to be in a valid state Sent to the buyer's bank server;
  • the received notification notification module is configured to update the status of the silver credit to the received status after receiving the valid silver certificate sent by the buyer's bank server, and send the status to the commodity server Notification of receipt
  • a second received delivery notification module configured to receive the received delivery notification sent by the transaction intermediary server
  • an online transaction apparatus for use in a buyer's bank server
  • the device includes the following modules:
  • the third receiving module is configured to receive the silver credit card and the received notification sent by the seller bank server to be in a valid state
  • the verification module is configured to: after receiving the silver credit certificate in the to-be-effective state, obtain the buyer's payment from the client Verify the information and verify it;
  • a freezing module configured to freeze the funds corresponding to the order amount in the buyer account after the verification is passed, and update the status of the silver credit card to be valid, and send it to the seller bank server;
  • the payment module is configured to, after receiving the received delivery notification, transfer funds frozen by the buyer account to a seller account of the seller bank server.
  • An online transaction method, apparatus and system provided by the present invention sends a request for a certificate to a seller's bank server through a commodity server, and the seller's bank server sends a receipt notification to the buyer's bank server, at the client, the commodity server,
  • the transaction process is completed in the interaction between the buyer's bank server, the seller's bank server and the transaction intermediary server.
  • the transaction funds and transaction information in the transaction process are not transferred to the third-party payment platform, but are all flowed within the banking system, thereby facilitating the bank's funds.
  • Supervision has improved the security of transactions, and it is also convenient for banks to supervise the credit of transaction entities, which is conducive to the establishment of a social credit system. And through the generation of the silver letter to the actual monitoring of the transaction status, so that there is no deviation between the capital flow and the actual transaction, so that the effective flow of money to deliver the goods in one hand, can effectively reduce the risk of funds and improve the transaction.
  • Information security is improved the security of transactions, and it is also
  • the digital envelope technology is used to securely transmit the communication data
  • the dynamic anti-counterfeiting technology is used to dynamically generate the symmetric key
  • the AES algorithm is used to encrypt the communication data
  • the dual-track verification technology is used to verify the data.
  • the two networks use technology to communicate, further improving the security of the transaction.
  • FIG. 1 is a flow chart of a first embodiment of an online transaction method of the present invention
  • FIG. 2 is a schematic diagram of interaction of each system in a transaction process according to an embodiment of the present invention
  • FIG. 3 is a specific flowchart of a data sender and a data receiver in a secure transmission of communication data by using a digital envelope technology in an embodiment of the present invention
  • FIG. 4 is a flow chart of a second embodiment of the online transaction method of the present invention.
  • FIG. 5 is a flow chart of a third embodiment of the online transaction method of the present invention.
  • 6 is a flowchart of a fourth embodiment of the online transaction method of the present invention
  • 7 is a flowchart of a fifth embodiment of the online transaction method of the present invention
  • FIG. 8 is a block diagram showing a first embodiment of an online transaction system of the present invention.
  • FIG. 9 is a schematic block diagram of an embodiment of an online transaction apparatus applied to a client according to the present invention.
  • FIG. 10 is a block diagram showing an embodiment of an online transaction apparatus applied to a commodity server according to the present invention.
  • FIG. 11 is a block diagram showing an embodiment of an online transaction apparatus applied to a seller's bank server according to the present invention.
  • FIG. 12 is a block diagram showing an embodiment of an online transaction apparatus applied to a buyer's bank server according to the present invention
  • FIG. 13 is a block diagram showing an embodiment of an online transaction apparatus applied to a transaction intermediation server according to the present invention
  • FIG. 14 is a block diagram showing a second embodiment of the online transaction system of the present invention.
  • FIG. 1 and FIG. 2 an embodiment of an online transaction method according to the present invention is provided.
  • the method includes the following steps.
  • S11 The client generates the order information according to the commodity information subscribed by the buyer, and sends the order information to the commodity server.
  • step S11 the seller inputs and stores the product information into the product server, and the buyer communicates with the product server through the client, and acquires the product information from the product server.
  • the buyer selects the item to be purchased in the item information, and the client generates the order information based on the item information selected by the user, and submits the order information to the product server.
  • the commodity includes a tangible physical product and an intangible service
  • the commodity information includes information such as the price and parameters of the commodity
  • the commodity server may be a commercial computer server, or may be a computer server set up by the seller itself
  • the terminal is a communication terminal operated by the buyer, and may be a terminal device such as a mobile phone, a tablet device, or a computer.
  • S12 The commodity server sends a silver credit certificate request to the seller bank server according to the order information.
  • the buyer's bank server refers to the computer server of the bank corresponding to the buyer's bank account (ie, the buyer's bank of the account), and the seller's bank server refers to the bank corresponding to the seller's bank account (ie, the seller's bank) Seto Bank) computer server, buyer bank server and seller bank server It can be the computer server of the same bank (that is, the buyer and seller's bank of the same bank), or it may be the computer server of different banks (that is, the buyer and seller's bank of the bank are different).
  • step S12 after receiving the order information, the commodity server knows the buyer's bank server and the seller's bank server according to the order information, generates a silver credit certificate request and sends it to the seller bank server.
  • the silver letter certificate is an electronic certificate for bank credit commitment, which can be understood as an electronic data, which can be stored in a computer system and transmitted through the network.
  • S13 The seller bank server generates a bank letter to be valid according to the bank letter certificate request and sends it to the buyer bank server.
  • step S13 after receiving the request for the banknote certificate, the seller bank server knows the buyer's bank server, and generates a bank certificate Z1 to be validated and sends it to the buyer's bank server.
  • step S14 The buyer bank server obtains the buyer's payment verification information from the client and performs verification. If the verification is passed, step S15 is performed, otherwise the process ends.
  • the buyer's bank server After receiving the silver certificate Z1 sent by the seller's bank server to be in effect, the buyer's bank server generates payment verification information according to the silver certificate Z1 to be in effect, and sends the payment verification information to After the client receives the payment verification information input by the buyer, it submits it to the buyer's bank server for verification.
  • the payment verification information may be a payment page, and the buyer inputs information such as verification information, payment amount, and the like on the payment page on the client.
  • the verification information includes at least a bank account and a password, and may further include information such as a verification code, an expiration date, and the like.
  • the payment page is generated, and the link address of the payment page is sent to the buyer (for example, sent to the buyer's registered mobile phone by SMS).
  • the buyer enters the link address of the payment page on the client or directly clicks the link address received by the client to open the payment page, and enters payment verification information such as verification information and payment amount on the payment page.
  • the buyer's bank server verifies the payment verification information entered by the client on the payment page.
  • S15 The buyer bank server freezes the funds corresponding to the order amount in the buyer account, and updates the status of the bank letter to the valid state, and sends it to the seller bank server.
  • the buyer bank server freezes the corresponding amount of funds in the buyer account according to the payment amount input on the payment page, and updates the status of the silver credit card, and updates the silver letter Z1 to be in effect to The valid bank letter Z2, and the valid bank letter Z2 will be sent to the seller's bank server.
  • S16 The seller bank server updates the status of the valid silver certificate to the received certificate, and sends the received notification to the commodity server.
  • step S16 after receiving the valid bank letter Z2, the seller bank server updates the status of the bank letter certificate, and updates the valid bank letter Z2 to the received bank letter Z3, and sends the certificate. Receive a notification to the product server.
  • S17 The commodity server sends the order information to the transaction intermediary server according to the received notification.
  • step S17 after receiving the notification of the receipt, the commodity server sends the order information to the transaction intermediary server.
  • S18 The transaction intermediary server arranges the delivery according to the order information, and after determining that the buyer has received the goods, sends the received delivery notice to the seller bank server.
  • step S18 after receiving the order information, the transaction intermediary server performs the delivery according to the transaction information such as the product information and the buyer information in the order information.
  • the transaction intermediary server may notify the seller to arrange the delivery, including but not limited to any one of the following ways: sending an email notification to the seller's preset email address, sending a text message notification to the seller's preset mobile number, to the seller The preset QQ number sends a QQ message; or sends a WeChat message to the seller's preset micro-signal code.
  • the seller arranges for delivery after receiving the delivery notice.
  • the transaction intermediary server determines that the buyer has received the goods; or, the transaction intermediary server does not receive the feedback information of the client within the preset time after scheduling the delivery, By default, the buyer has received the goods after the preset time has passed.
  • a receipt notification is sent to the seller's bank server.
  • step S19 after receiving the receipt notification sent by the transaction intermediary server, the seller bank server sends the received delivery notice to the buyer bank server, and the buyer bank server freezes the buyer account according to the received delivery notification. The funds are transferred to the seller's account. At this point, the transaction is completed.
  • the method further includes: if the buyer bank server does not receive the received goods notification sent by the seller bank server within the preset time, After setting up the room, the funds frozen by the buyer's account are transferred to the seller's account of the seller's bank server.
  • the transaction funds and transaction information in the transaction process are not transferred to the third-party payment platform, and all flow within the banking system, thereby facilitating the supervision of the funds by the bank and improving the transaction.
  • peers also facilitate the bank to supervise the credit of the transaction subject, which is conducive to the establishment of a social credit system. And through the generation of the silver letter to the actual monitoring of the transaction status, so that there is no deviation between the capital flow and the actual transaction, so that the effective flow of money to deliver the goods in one hand, can effectively reduce the risk of funds and improve the transaction. Information security.
  • the client, the commodity server, the buyer's bank server, the seller's bank server, and the transaction intermediary server use digital envelopes to communicate data during data transmission and data reception. Perform a secure transmission. Thereby further improving the security of data transmission and ensuring the security of transactions.
  • the data sender generates a symmetric key, and the communication data is encrypted by using a symmetric key to form a first ciphertext.
  • the data sender randomly generates a symmetric key each time the data is sent, thereby achieving the effect of dynamic anti-counterfeiting, improving data security, and thereby ensuring transaction security.
  • the data sender After encrypting the communication data, the data sender preferably encrypts the communication data by the AES algorithm using a symmetric key to form a first ciphertext.
  • the data sender encrypts the symmetric key by using a public key of the data receiver to form a second ciphertext.
  • the data sender signs the first ciphertext and the second ciphertext respectively by using the private key of the data, and then sends the first ciphertext and the second ciphertext to the data receiver.
  • the data receiver decrypts the first ciphertext by using a symmetric key to obtain communication data.
  • the signing step in step S103 and the verifying sign step in step S104 may also be omitted.
  • a dual-track verification technique is adopted. Specifically, in the data transmission process, the monitoring server collects the data sent by the data sender and the data received by the data receiver, and checks the consistency of the sent data and the received data, and the collected data to be collected. Compare with the received data to determine whether the two are consistent. Further ensure the security of the transaction.
  • a two-network combination technology is adopted. That is, the client, the commodity server, the buyer's bank server, and the seller's bank server communicate through the public network, and the monitoring server communicates with the buyer's bank server and the seller's bank server respectively through a dedicated line. Thereby further ensuring the security of the transaction.
  • FIG. 4 a second embodiment of the online transaction method of the present invention is proposed.
  • the method is applied to a commodity server, and includes the following steps:
  • the silver credit card is an electronic voucher for bank credit commitment payment, which can be understood as an electronic data, can be stored in a computer system and transmitted through a network, and the commodity server knows the seller bank server according to the order information, and sends the seller bank server to the seller bank server. Send a letter of credit to the card.
  • the commodity server after receiving the received notification sent by the seller's bank server, the commodity server sends the order information to the transaction intermediary server, so that the transaction intermediary server arranges the delivery according to the order information.
  • FIG. 5 a third embodiment of the online transaction method of the present invention is proposed.
  • the method is applied to a seller bank server, and the method includes the following steps:
  • S3 After receiving the request for the silver credit card issued by the commodity server, S3 generates a bank certificate to be valid.
  • Step S33 After receiving the received delivery notification sent by the transaction intermediary server, send the received delivery notification to the buyer's bank server.
  • Step S33 After receiving the received delivery notification sent by the transaction intermediary server, send the received delivery notification to the buyer's bank server.
  • step S41 After receiving the silver certificate to be validated by the seller's bank server, obtain the buyer's payment verification information from the client and verify the information. If the verification is passed, step S602 is performed, otherwise the process ends.
  • S42 Freeze the funds corresponding to the order amount in the buyer account, and update the status of the silver credit card to have been validated and sent to the seller bank server.
  • FIG. 7 a fifth embodiment of the online transaction method of the present invention is proposed.
  • the method is applied to an intermediary transaction server, and includes the following steps:
  • S51 Receive order information sent by the commodity server, and arrange delivery according to the order information.
  • the transaction intermediary server after receiving the order information, performs the delivery according to the transaction information such as the product information and the buyer information in the order information.
  • the transaction intermediary server may notify the seller to arrange the delivery, including but not limited to any one of the following ways: sending an email notification to the seller's preset email address, sending a text message notification to the seller's preset mobile number, to the seller The preset QQ number sends a QQ message; or sends a WeChat message to the seller's preset micro-signal code.
  • the seller arranges the delivery after receiving the delivery notice.
  • the transaction intermediary server determines that the buyer has received the goods; or, the transaction intermediary server does not receive the feedback from the client within the preset time after scheduling the delivery.
  • the information the default buyer has received the goods after the preset time is exceeded.
  • the delivery notice is sent to the buyer's bank server.
  • the online transaction system of the embodiment is an online transaction system for implementing the online transaction method, and the online transaction system includes a client, a commodity server, and a buyer.
  • Bank server, seller bank server and transaction broker server where:
  • the client is configured to obtain the commodity information from the commodity server, generate an order according to the commodity booked by the buyer, and send the order to the commodity server; after receiving the payment verification request sent by the buyer bank server, send the buyer input to the buyer bank server Payment verification information.
  • the online transaction device applied to the client includes the following modules:
  • an order sending module configured to obtain product information from the commodity server, generate an order according to the commodity booked by the buyer, and send the order to the commodity server;
  • the verification information sending module is configured to send the payment verification information input by the buyer to the buyer bank server after receiving the payment verification request sent by the buyer bank server.
  • the commodity server is configured to: after receiving the order information sent by the client, send a request for the silver credit card to the seller bank server, and further set to receive the notification received by the seller bank server, and then send the notification to the transaction intermediary server. Send order information.
  • the online transaction device applied to the commodity server includes the following modules:
  • the first receiving module is configured to receive the order information sent by the client, and the received notification sent by the seller bank server;
  • the certificate requesting module is configured to: after receiving the order information sent by the client, send a request for a silver credit card to the seller bank server according to the order information;
  • the order information sending module is configured to send the order information to the transaction intermediary server after receiving the received notification sent by the seller bank server.
  • the seller bank server is configured to: after receiving the silver credit certificate request sent by the commodity server, generate a silver letter to be valid and send it to the buyer bank server; and also set to receive the sent by the buyer bank server After the valid bank letter, the status of the bank letter is updated to the status of the received certificate, and the received certificate is sent to the product server; and the received message is sent to the transaction intermediary server, and the received message is sent. The goods are notified to the buyer's bank server.
  • the online transaction apparatus applied to the seller bank server includes the following modules: [0132]
  • the second receiving module is configured to receive the silver credit certificate request sent by the commodity server, and the buyer bank server sends the request The bank letter certificate that has been validated, and the received goods notification sent by the transaction intermediary server;
  • the silver credit generation module is configured to generate a silver credit certificate to be valid according to the silver credit certificate request; [0134] the silver credit sending module is configured to send the silver credit to be in effect to the buyer's bank [0135] The received notification module is configured to update the status of the silver letter to the received status after receiving the valid silver letter sent by the buyer's bank server, and send the received notification to the commodity server;
  • the second received delivery notification module is configured to receive the received delivery notification sent by the transaction intermediary server, Send the receipt notice to the buyer's bank server.
  • Buyer Bank Server After receiving the silver letter certificate sent by the seller bank server to be valid, obtaining the payment verification information from the client and verifying; if the verification is passed, freezing the funds corresponding to the order amount in the buyer account, And update the status of the bank letter to the valid state, and send it to the seller's bank server; also set to receive the goods received from the seller's bank server, and then transfer the funds frozen by the buyer's account to the seller's account of the seller's bank server. in.
  • the online transaction device applied to the buyer's bank server includes the following modules: [0139]
  • the third receiving module is configured to receive the silver letter and the received goods sent by the seller's bank server to be valid. Notice;
  • the verification module is configured to: after receiving the silver credit certificate sent by the seller bank server to be in a valid state, obtain the payment verification information of the buyer from the client and perform verification;
  • the freezing module is set to freeze the funds corresponding to the order amount in the buyer account after the verification is passed, and the status of the silver credit card is updated to be valid and sent to the seller bank server;
  • the payment module is configured to, after receiving the received delivery notification sent by the seller's bank server, transfer the funds frozen by the buyer account to the seller account of the seller's bank server.
  • the payment module is further set to: If the received goods notification sent by the seller's bank server is not received within the preset time, the preset is exceeded. After the day, the funds frozen by the buyer's account are transferred to the seller's account of the seller's bank server.
  • Transaction Mediation Server Set to receive the order information sent by the commodity server, arrange the delivery according to the order information, and send the receipt notification to the seller bank server after determining that the buyer has received the goods.
  • the online transaction device applied to the transaction intermediation server includes the following modules: [0146] The fourth receiving module is configured to receive the order information sent by the commodity server;
  • the delivery arrangement module is configured to arrange delivery according to the transaction information such as the commodity information and the buyer information in the order information; specifically, the seller may be notified to arrange the delivery, including but not limited to any one or more of the following One way: send an email notification to the seller's preset email address, send a short message notification to the seller's preset mobile number, send a QQ message to the seller's preset QQ number, or send a WeChat message to the seller's preset microcode.
  • the seller arranges the delivery after receiving the delivery notice;
  • the first received notification module is configured to send to the seller bank server after determining that the buyer has received the goods Receive notification. Specifically, after receiving the receipt confirmation notification sent by the client, the first received delivery notification module determines that the buyer has received the receipt; or, the received delivery notification module does not receive the preset delivery time after scheduling the delivery. The feedback information of the client, after the preset timeout, the default buyer has received the goods.
  • the seller pre-stores the product information in the product server, and the buyer communicates with the product server through the client, acquires the product information from the product server, and selects the product to be purchased.
  • the client generates order information based on the item information selected by the buyer, and submits the order information to the product server.
  • the commodity includes a tangible physical product and an intangible service; the commodity information includes information such as the price and parameters of the commodity; the commodity server may be a commercial computer server, or may be a computer server set up by the seller itself; the client is a buyer-operated communication Terminals, including but not limited to mobile devices, tablet devices, computers and other terminal devices.
  • the buyer's bank server refers to the bank server where the buyer's bank account is located
  • the seller's bank server refers to the bank server where the seller's bank account is located
  • the buyer's bank server and the seller's bank server may be the same bank's server (ie the buyer and the seller's accountant) Banks are the same ⁇ ), and may also be servers of different banks (ie, the buyer and the seller’s Seto Bank are different).
  • a bank letter is an electronic certificate for bank credit commitments. It can be understood as an electronic data that can be stored in a computer system and transmitted over a network.
  • the transaction funds and transaction information in the transaction process are not transferred to the third-party payment platform, and the transaction status is monitored by generating the silver credit card, so that the funds flow and There is no deviation between the actual transactions, so that the effective flow of funds to deliver the goods in one hand and the next hand is effective, reducing the risk of funds and improving the security of transaction information.
  • the client, the commodity server, the seller bank server buyer bank server and the transaction intermediary server are also set as: After data transmission and data reception, digital envelope technology is adopted. Communication data is transmitted securely. Thereby further improving the security of data transmission and ensuring the security of transactions.
  • the client When the client, the commodity server, the seller bank server, the buyer bank server, and the transaction broker server are used as data senders, it is also set to:
  • generating a symmetric key encrypting the communication data by using a symmetric key to form a first ciphertext; encrypting the symmetric key by using a public key of the data receiver to form a second ciphertext; using the private key of the first pair A ciphertext and a second ciphertext are signed and sent to the data receiver.
  • the data sender randomly generates a symmetric key every time the data is transmitted, thereby achieving the effect of dynamic anti-counterfeiting.
  • the data sender After encrypting the communication data, the data sender preferably encrypts the communication data with the AES algorithm using a symmetric key to form a first ciphertext.
  • the client When the client, the commodity server, the seller bank server buyer bank server, and the intermediary transaction server act as data senders, it is also set to:
  • the data sender may not sign the first ciphertext and the second ciphertext, and the corresponding data receiver does not need to perform signature verification on the first ciphertext and the second ciphertext.
  • FIG. 14 a second embodiment of the online transaction system of the present invention is proposed.
  • the difference between this embodiment and the first embodiment is that a monitoring server is added, and the monitoring server is configured as:
  • the data transmitted by the data sender and the data received by the data receiver are collected, and the consistency of the transmitted data and the received data is verified, and the collected data and the received data are collected.
  • the data is compared to determine whether the two are consistent.
  • the client, the commodity server, the seller bank server, the buyer bank server, and the transaction broker server send the data as the data sender, the data is received as the data receiver. Therefore, the embodiment adopts the dual-track verification technology to prevent data from being tampered with during the communication process, thereby further ensuring the security of the transaction.
  • this embodiment also adopts a two-network combination technology. That is, the client, the commodity server, the buyer's bank server, and the seller's bank server communicate through the public network, and the monitoring server communicates with the buyer's bank server and the seller's bank server respectively through a dedicated line. The security of the transaction is further guaranteed.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • the online transaction method method, device and system of the present invention send a request for a certificate to a seller bank server through a commodity server, and the seller bank server sends a receipt notification to the buyer bank server, at the client, the commodity server, the buyer bank server, the seller bank
  • the transaction process is completed in the interaction between the server and the transaction intermediary server.
  • the transaction funds and transaction information in the transaction process are not transferred to the third-party payment platform, but are all flowed within the banking system, facilitating the supervision of the bank and the credit supervision of the transaction subject. .

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé, un dispositif et un système de transaction en ligne. Le procédé comprend les étapes suivantes consistant à : après la réception d'informations d'ordre envoyées par un client, un serveur d'articles envoie une demande d'émission d'un certificat de crédit bancaire à un serveur de la banque du vendeur selon les informations d'ordre (S12) ; le serveur de la banque du vendeur génère un certificat de crédit bancaire ayant un état "devant être effectif" selon la demande d'émission du certificat de crédit bancaire et envoie le certificat de crédit bancaire à un serveur de la banque de l'acheteur (S13) ; le serveur de la banque de l'acheteur vérifie les informations de contrôle de paiement de l'acheteur obtenues par le client (S14) ; après que la vérification a été réussie, le serveur de la banque de l'acheteur gèle des fonds dans un compte d'acheteur qui correspond à un montant de l'ordre, met à jour l'état du certificat de crédit bancaire à un état "effectif" et envoie le certificat de crédit bancaire au serveur de la banque du vendeur (S15) ; le serveur de la banque du vendeur met à jour l'état du certificat de crédit bancaire "effectif" à "a été reçu", et envoie une notification "a été reçu" au serveur d'articles (S16) ; le serveur d'articles envoie les informations d'ordre à un serveur intermédiaire de transaction selon la notification "a été reçu" (S17) ; le serveur intermédiaire de transaction organise la distribution selon les informations d'ordre et, après la détermination que l'acheteur a reçu, envoie une notification "a été reçu" au serveur de la banque du vendeur (S18) ; le serveur de la banque du vendeur envoie la notification "a été reçu" au serveur de la banque de l'acheteur ; après la réception de la notification "a été reçu", le serveur de la banque de l'acheteur transfère les fonds gelés dans le compte de l'acheteur à un compte du vendeur du serveur de la banque du vendeur (S19).
PCT/CN2015/084662 2015-07-21 2015-07-21 Procédé, dispositif et système de transaction en ligne WO2017012064A1 (fr)

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