WO2017012065A1 - 网上交易方法、装置和系统 - Google Patents
网上交易方法、装置和系统 Download PDFInfo
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- WO2017012065A1 WO2017012065A1 PCT/CN2015/084663 CN2015084663W WO2017012065A1 WO 2017012065 A1 WO2017012065 A1 WO 2017012065A1 CN 2015084663 W CN2015084663 W CN 2015084663W WO 2017012065 A1 WO2017012065 A1 WO 2017012065A1
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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 client generates order information according to the goods subscribed by the buyer, and sends the order information to the commodity server; and sends a silver credit certificate request to the buyer bank server according to the order information;
- the buyer bank server generates a bank letter to be valid according to the bank letter verification request, obtains payment verification information of the buyer from the client, and performs verification; when the verification is passed, the user freezes the 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 bank server;
- the seller bank server updates the status of the validated bank letter to the received certificate, and sends the received certificate notification to the commodity server;
- the commodity server sends the order information to the transaction intermediary server according to the received notification; [0012] 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 buyer's 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 an intermediary transaction server
- the method includes the following steps:
- the received goods notification is sent to the buyer's bank server.
- an online transaction method is provided for use in a buyer's bank server
- the method includes the following steps: [0021] after receiving the request for the silver credit card issued by the client, generating a silver credit certificate to be in a valid state;
- the funds frozen by the buyer account are transferred to the seller account of the seller bank server.
- an online transaction system comprising a client, a commodity server, a buyer bank server, a seller bank server, and a transaction broker server, wherein:
- the client is configured to generate order information according to the goods subscribed by the buyer, and send the order information to the commodity server; and send a silver credit certificate request to the buyer bank server according to the order information;
- the commodity server is configured to receive the order information sent by the client; after receiving the received notification sent by the seller bank server, send the order information to the transaction intermediary server
- the seller bank server 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 Notice of receipt of the certificate;
- the transaction intermediation server is configured to arrange delivery according to the order information, and send a receipt notification to the buyer bank server after determining that the buyer has received the goods;
- the buyer bank server is configured to generate a bank letter to be valid according to the silver letter certificate request sent by the client, obtain the buyer's payment verification information from the client, and perform 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 activated state, and sent to the seller bank server; after receiving the received goods notification, The funds frozen by the buyer account are transferred 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;
- an order information sending module configured to receive the received notification sent by the seller bank server, The order information is sent to the transaction broker server.
- an online transaction apparatus is provided for use in an intermediary transaction server
- the device includes the following modules:
- the fourth receiving module is configured to receive the order information sent by the commodity server
- a delivery arrangement module configured to arrange delivery according to the order information
- the goods receipt notification module is configured to send the received goods notification to the buyer's bank server after determining that the buyer has received the goods.
- 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 a silver credit certificate request sent by the client, and a received delivery notification sent by the transaction intermediary server;
- the silver letter issuance module is configured to generate a bank letter to be valid according to the bank letter verification request;
- the verification module is configured to obtain the buyer's payment verification information from the client and perform verification
- 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 have been validated and sent 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.
- the online transaction method, device and system provided by the present invention send a request for a certificate to a buyer's bank server through a client, and the intermediary transaction 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 convenient for banks
- 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.
- FIG. 6 is a flow chart of a fourth embodiment of the online transaction method of the present invention.
- FIG. 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 device 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 bank server of the present invention
- FIG. 12 is a block diagram showing an embodiment of an online transaction apparatus applied to a buyer's bank server of the present invention
- FIG. 13 is a block diagram showing an embodiment of an online transaction apparatus applied to a transaction intermediary server of the present invention
- FIG. It is a schematic diagram of a module of the second embodiment of the online transaction system of the present invention.
- step S11 The client generates 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 product information, and the client generates the order information according to the product 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 client sends a silver credit certificate request to the buyer bank server according to the order information.
- the buyer 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 bank server refers to the bank corresponding to the seller's bank account (ie, the seller's
- the computer server of the Seto Bank, the buyer's bank server and the seller's bank server may be the same computer server of the bank (ie the buyer's and the seller's bank of the same bank), or may be the computer servers of different banks (ie the buyer and the seller) Seto Bank is different.)
- step S12 the client 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 buyer's bank server.
- the silver letter certificate is an electronic certificate that the bank credit promises to pay. It can be understood as an electronic data, which can be stored in a computer system and transmitted through the network.
- step S13 The buyer bank server generates a bank letter to be valid according to the bank letter verification request, obtains the buyer's payment verification information from the client, and performs verification. If the verification is passed, step S14 is performed, otherwise the process ends.
- step S13 after receiving the request for the banknote certificate, the buyer's bank server knows the seller's bank server, generates a bank letter Z1 to be in a valid state, and generates a payment verification according to the bank letter Z1 to be in effect.
- the information is sent to the client, and the client receives the payment verification information input by the buyer and 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 and payment amount 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.
- a payment page is generated, and The link address of the payment page is sent to the buyer (if sent by SMS to the phone registered by the buyer).
- 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.
- S14 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 credit card 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.
- S15 The seller bank server updates the status of the validated bank letter to the received certificate, and sends the received certificate notification to the commodity server.
- step S15 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.
- S16 The commodity server sends the order information to the transaction intermediary server according to the received notification.
- step S16 after receiving the notification of the receipt of the certificate, the commodity server sends the order information to the transaction intermediary server.
- S17 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 buyer's bank server.
- step S17 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. After confirming that the buyer has received the goods, the goods have been received. Notify the buyer's bank server.
- S18 The buyer bank server transfers the frozen funds in the buyer account to the seller account of the seller bank server.
- step S18 after the buyer's bank server receives the receipt notification, the funds frozen in the buyer's account 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 receipt notification sent by the transaction intermediary 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 in the banking system, thereby facilitating the supervision of the funds by the bank and improving the transaction.
- the security 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 is provided to 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.
- 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 every 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 uses the private key of the data to respectively send the first ciphertext and the second ciphertext and then send the signature. 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.
- 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.
- 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:
- S2 receives the order information sent by the client.
- the commodity server after receiving the received notification sent by the seller 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.
- 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 valid silver letter sent by the buyer's bank server, S3 updates the status of the bank letter to the received status. [0103] S32. Send the received notification to the commodity server.
- FIG. 6 a fourth embodiment of the online transaction method of the present invention is proposed.
- the method is applied to a buyer's bank server, and includes the following steps:
- step S41 After receiving the silver credit certificate request sent by the client, generate a bank letter to be valid, obtain the buyer's payment verification information from the client, and perform verification. If the verification is passed, step S602 is performed, otherwise the flow is ended.
- 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:
- client 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; and send a silver letter certificate to the buyer bank server according to the order information.
- Request after receiving the payment verification request sent by the buyer's bank server, the payment verification information input by the buyer is sent to the buyer's bank server.
- 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 certificate requesting module is configured to send a silver letter certificate request to the buyer bank server according to the generated order information
- 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 receive the order information sent by the client, and send the order information to the transaction intermediary server after receiving the received notification sent by the seller bank server.
- an online transaction device applied to a 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 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.
- Seller Bank Server After receiving the valid silver letter sent by the buyer's bank server, the status of the bank letter is updated to the status of the received certificate, and the received certificate is sent to the commodity server.
- the online transaction device applied to the seller's bank server includes the following modules:
- the second receiving module is configured to receive the valid silver certificate sent by the buyer's bank server
- the received notification module is configured to update the status of the silver certificate to the received status after receiving the valid silver certificate sent by the buyer's bank server, and send the received notification to the commodity server.
- Buyer Bank Server Set to receive the silver letter certificate request sent by the client, generate a bank letter to be valid, obtain payment verification information from the client and verify; if the verification is passed, freeze the buyer The funds corresponding to the order amount in the 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 received goods notification sent by the transaction intermediary server, and then transfer the funds frozen by the buyer account The money is in the seller's account of the seller's bank server.
- the online transaction device applied to the buyer's bank server includes the following modules: [0129]
- the third receiving module is configured to receive a silver credit certificate request sent by the client, and a received delivery notification sent by the transaction intermediary server;
- a silver credit generation module configured to generate a silver credit certificate in a state to be valid according to the silver letter certificate request
- the verification module is configured to: after generating the silver credit certificate to be valid, obtain the buyer's payment verification information 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 notification sent by the transaction intermediary server, transfer the funds frozen by the buyer account to the seller account of the seller bank server.
- the payment module is further set to: If the received goods notification sent by the transaction intermediary 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 buyer's 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: [0137]
- 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 goods receipt notification module is configured to send a receipt notification to the buyer's bank server after determining that the buyer has received the goods. Specifically, after receiving the receipt confirmation notification sent by the client, the received delivery notification module determines that the buyer has received the goods; or, the received delivery notification module does not receive the client within the preset time after scheduling the delivery. Feedback information, the buyer has received the goods by default after the preset time is exceeded.
- 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.
- goods Including tangible physical products and intangible services
- commodity information includes information on the price, parameters, etc. of the commodity
- the commodity server may be a commercial computer server, or a computer server set up by the seller itself
- the client is a communication terminal operated by the buyer, 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 that a bank credit promises to pay. 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 to: after data transmission and data reception, using digital envelope technology 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:
- 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 the symmetric key to form the 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 second ciphertext after receiving the first ciphertext and the second ciphertext, verifying the first ciphertext and the second cipher by using the public key of the data sender After the verification is passed, the second ciphertext is decrypted by using its own private key to obtain a symmetric key; the first ciphertext is decrypted by the symmetric key to obtain communication data.
- 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 set 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.
- the present embodiment also employs a two-network combination technique. 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 buyer's bank server through a client, and the intermediary transaction server sends a receipt notification to the buyer's bank server, at the client and the merchant.
- the transaction process is completed in the interaction between the product server, 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 flow in the banking system, which is convenient for the bank to Supervision of funds and credit supervision of trading entities.
- the use of digital envelopes and dynamic anti-counterfeiting technology for secure transmission of communication data can ensure the security of communication data; the use of dual-track verification can prevent data from being tampered with; the use of two networks can balance the convenience and security of communication.
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CA2993089A CA2993089C (en) | 2015-07-21 | 2015-07-21 | Online transaction method, device and system |
PCT/CN2015/084663 WO2017012065A1 (zh) | 2015-07-21 | 2015-07-21 | 网上交易方法、装置和系统 |
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CN104376453A (zh) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | 一种网上支付方法和系统 |
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2015
- 2015-07-21 WO PCT/CN2015/084663 patent/WO2017012065A1/zh active Application Filing
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US20120226611A1 (en) * | 2011-03-01 | 2012-09-06 | Nimish Radia | Method and system for conducting a monetary transaction using a mobile communication device |
CN103186852A (zh) * | 2011-12-31 | 2013-07-03 | 乐活在线(北京)网络技术有限公司 | 网络交易的支付方法、装置及系统 |
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CN104376453A (zh) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | 一种网上支付方法和系统 |
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