WO2017012068A1 - 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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- WO2017012068A1 WO2017012068A1 PCT/CN2015/084666 CN2015084666W WO2017012068A1 WO 2017012068 A1 WO2017012068 A1 WO 2017012068A1 CN 2015084666 W CN2015084666 W CN 2015084666W WO 2017012068 A1 WO2017012068 A1 WO 2017012068A1
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- bank server
- bank
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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
- G06Q20/22—Payment schemes or models
Definitions
- the present invention relates to the field of Internet technologies, and in particular, to an online transaction method, apparatus, and system.
- online trading methods mainly use third-party payment platforms.
- the buyer transfers the transaction funds to the third-party payment platform.
- the third-party payment platform also stores the relevant information in the transaction.
- the third-party payment platform transfers the transaction funds to the seller, and the transaction is completed. .
- 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 transaction method is needed at this stage to reduce the risk of capital risks and improve the security of transaction information.
- the technical problem to be solved by the present invention is to provide an online transaction method, apparatus and system to reduce capital risk and improve transaction security.
- an online transaction method includes the following steps:
- the commodity server after receiving the order information sent by the client, the commodity server sends the order information to the second bank server. Send a letter of credit certificate request;
- the second bank server after receiving the request for the bank credit certificate, the second bank server generates a bank certificate to be valid and sends it to the first bank server;
- the first bank server After receiving the silver credit card sent by the second bank server to be in a valid state, the first bank server obtains the buyer's payment verification information from the client and performs verification;
- the second bank server updates the status of the received silver letter certificate to the received certificate, and sends the received certificate notification to the commodity server;
- the commodity server after receiving the first received delivery notification sent by the client, the commodity server sends a second received delivery notification to the first bank server;
- the first bank server transfers the funds frozen by the buyer account to the seller account of the second 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 application to a second bank server
- the method includes the following steps:
- the status of the silver credit card is updated to the received certificate, and the received certificate notification is sent to the commodity server.
- an online transaction method for application to a first bank server
- the method includes the following steps:
- the application is provided to a commodity server, and the apparatus includes the following module: [0026]
- the first receiving module is configured to receive the order information sent by the client, and the received by the second bank server Notice of the certificate, and the first received notice sent by the client;
- the certificate requesting module is configured to: after receiving the order information sent by the client, send a silver credit certificate request to the second bank server;
- the delivery notification module is configured to notify the seller of the delivery after receiving the received notification sent by the second bank server;
- the second received delivery notification module is configured to send the second received delivery notification to the first bank server after receiving the first received delivery notification sent by the client.
- an online transaction apparatus for use in a second bank server
- the device includes the following modules:
- a second receiving module configured to receive a silver credit certificate request of the commodity server, and a silver credit certificate sent by the first banking server;
- the silver credit card generating module is configured to generate a silver credit card to be in a valid state after receiving the silver credit card certification request of the commodity server;
- the silver credit generation module is configured to send the silver credit card to be in a valid state to the first bank server.
- the received notification notification module is configured to receive the silver letter of the valid state sent by the first bank server
- an online transaction apparatus for use in a first banking server
- the device includes the following modules:
- the third receiving module is configured to receive a silver credit certificate sent by the second bank server to be in a valid state, and a second received delivery notification sent by the commodity server;
- the verification module is configured to receive the silver certificate sent by the second bank server to be in effect, The client obtains the buyer's payment verification information and verifies it;
- a freezing module configured to freeze the funds corresponding to the order amount in the buyer account if the verification is passed, and then update the status of the silver credit card to have been validated and sent to the second bank server;
- the payment module is configured to, after receiving the second received delivery notification sent by the commodity server, transfer the funds frozen by the buyer account to the seller account of the second bank server.
- an online transaction system comprising a commodity server, a first bank server, and a second bank server, wherein:
- the commodity server is configured to: after receiving the order information sent by the client, send a silver credit certificate request to the second bank server according to the order information; after receiving the received notification sent by the second bank server, notify The seller delivers; after receiving the first received notification sent by the client, sends a second received notification to the first bank server;
- the second bank server is configured to: after receiving the silver credit certificate request sent by the commodity server, generate a silver credit certificate to be in a valid state, and send the silver credit card to the first bank server; and receive the second bank server to send After the valid letter of the letter, the status of the received bank letter will be updated to the received certificate, and the received certificate will be sent to the commodity server;
- the first bank server is configured to: after receiving the silver credit certificate sent by the first bank server to be in a valid state, obtain the buyer's payment verification information from the client and perform verification; if the verification is passed, freeze the order in the buyer account The funds corresponding to the amount, and the status of the bank letter is updated to be valid, sent to the second bank server; after receiving the second received notice sent by the commodity server, the funds frozen by the buyer account are transferred to the second In the seller's account of the bank server.
- the online transaction method, device and system of the present invention sends a request for a certificate to a second bank server (the seller's bank) to the first bank server (the buyer's bank).
- the goods notification, the transaction is completed in the interaction of the client, the commodity server, the first bank server, the second bank server, the transaction funds and the transaction information in the transaction process are not transferred to the third-party payment platform, and the bank letter is generated by
- the actual status of the transaction is monitored, so that there is no deviation between the capital flow and the actual transaction, so that the effective flow of funds to deliver the goods in one hand can effectively reduce the funds. Risk and improve the security of trading information.
- FIG. 1 is a flowchart of an online transaction method according to an embodiment of the present invention.
- FIG. 2 is a flow chart of information interaction of another online transaction method according to an embodiment of the present invention.
- FIG. 3 is a flowchart of a data transmission method according to an embodiment of the present invention.
- FIG. 4 is a flowchart of an online transaction method applied to a client according to an embodiment of the present invention.
- FIG. 5 is a flowchart of an online transaction method applied to a commodity server according to an embodiment of the present invention.
- FIG. 6 is a flowchart of an online transaction method applied to a second bank server according to an embodiment of the present invention.
- FIG. 7 is a schematic diagram of an online transaction method applied to a first bank server according to an embodiment of the present invention.
- FIG. 8 is a system structural diagram of an online transaction system according to an embodiment of the present invention.
- FIG. 9 is a block diagram of a network transaction system according to an embodiment of the present invention.
- an online transaction method provided by an embodiment of the present invention includes the following steps: [0057] S101.
- the client generates an order according to the commodity subscribed by the buyer, and sends the order to the commodity server.
- 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 commodity server sends a silver credit certificate request to the second bank server according to the order information.
- 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 second bank server according to the order information (the seller's defect)
- the server where the bank is located sends a request for a bank letter to the second bank server.
- the second bank server After receiving the request for the bank certificate, the second bank server generates a bank certificate to be valid and sends the certificate to the first bank server.
- the second bank server is notified of the first bank server (the server where the buyer's bank is located), and generates a silver letter to be valid according to the request information of the bank letter certificate Certificate Z
- step S104 After receiving the silver certificate sent by the second bank server to be valid, the first bank server obtains the payment verification information of the buyer from the client and performs verification. If the verification is passed, step S105 is performed.
- the first bank server After receiving the silver credit card sent by the second bank server to be in a valid state, the first bank server generates payment verification information according to the silver credit card to be in effect, and sends the payment verification information to the client. After receiving the payment verification request entered by the buyer, the client submits the verification request to the first bank server for verification.
- the payment verification information may be a payment page, and the buyer inputs information such as the verification information and the 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.
- S105 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 second bank server.
- the funds corresponding to the order amount in the buyer's bank account are frozen according to the bank letter Z1, and the bank letter Z1 to be validated is updated to the valid bank letter Z2, and will be effective.
- the silver letter Z2 is sent to the second bank server.
- the second bank server updates the status of the received valid silver certificate to the received certificate, and sends the received notification to the commodity server.
- the second bank server updates the status to the received status. And the sent notification is sent to the commodity server, and the commodity server notifies the seller of the delivery after receiving the received notification. [0069] S107. After the buyer confirms the receipt, the client sends the first receipt notification to the commodity server.
- the commodity server After receiving the first received delivery notification sent by the client, the commodity server sends a second received delivery notification to the first banking server.
- the commodity server after receiving the first received delivery notification sent by the client, the commodity server sends a second received delivery notification to the first banking server, thereby notifying the first banking server to allocate the payment.
- the first bank server transfers the funds frozen by the buyer account to the seller account of the second bank server.
- the first bank server transfers the frozen funds in the buyer's bank account to the seller's bank account, thereby completing the transaction.
- the method further includes: if the first bank server does not receive the second received notification sent by the commodity server within the preset time zone, After the preset time is exceeded, the funds frozen by the buyer account are transferred to the seller account of the second bank server.
- 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 in the daytime. There is no deviation from the actual transaction, so that the effective flow of funds to deliver the goods in one hand can effectively reduce the risk of funds and improve the security of transaction information.
- the client, the commodity server, the first bank server, and the second bank server use the digital envelope to secure the communication data after data transmission and data reception. transmission. Thereby further improving the security of data transmission and ensuring the security of transactions.
- a method for securely transmitting communication data by using digital envelope technology includes the following steps:
- Step S301 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.
- the data sender After encrypting the communication data, the data sender preferably encrypts the communication data by the AES algorithm using the symmetric key to form the first ciphertext.
- Step S302 the data sender encrypts the symmetric key by using the public key of the data receiver to form a second secret. Text.
- Step S303 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.
- Step S304 After receiving the first ciphertext and the second ciphertext, the data receiver verifies the signatures of the first ciphertext and the second ciphertext by using the public key of the data sender.
- Step S305 After the verification is passed, the data receiver decrypts the second ciphertext by using its own private key to obtain a symmetric key.
- Step S306 The data receiver decrypts the first ciphertext by using a symmetric key to obtain communication data.
- the signing step in step S303 and the verifying sign step in step S304 may also be omitted.
- a dual-track verification technique is employed. Specifically: in the data transmission process, the monitoring system collects the data sent by the data sender and the data received by the data receiver, and verifies 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. Thereby determining whether the data has been tampered with during the communication process.
- a two-network combination technique is employed. That is, the client, the commodity server, the first bank server, and the second bank server communicate through the public network, and the monitoring system communicates with the first bank server and the second bank server respectively through a dedicated line. Thereby further ensuring the security of the transaction.
- an online transaction method provided by an embodiment of the present invention is applied to a client, and the method includes the following steps:
- S401 Generate order information according to the goods subscribed by the buyer, and send the order information to the commodity server.
- an online transaction method provided by an embodiment of the present invention is applied to a commodity server, The method 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 learns the second bank server according to the order information, to the second The bank server sends a request for a bank letter.
- the commodity server notifying the seller of the shipment includes but is not limited to any one or more of the following manners: sending an email notification to the email address preset by the seller, Sending a short message notification to the seller's preset mobile number, sending a QQ message to the seller's preset QQ number; or sending a WeChat message to the seller's preset microcode code.
- the seller arranges the delivery after receiving the delivery notice.
- an online transaction method provided by an embodiment of the present invention is applied to a second bank server.
- the method includes the following steps:
- an online transaction method provided by an embodiment of the present invention is applied to a first bank server.
- the method includes the following steps:
- step S701. After receiving the silver certificate to be valid in the second bank server, obtain the payment verification information of the buyer from the client and perform verification. If the verification is passed, go to step S702, otherwise, the process ends.
- an online transaction system includes a client 10, a merchant server 20, a second bank server 30, and a first bank server 40.
- the client 10 is configured to acquire the product information from the product server 20, generate an order according to the product subscribed by the buyer, and send the order to the product server 20; after receiving the payment verification request sent by the first bank server 40, input the school The information is sent to the first bank server 40; after receiving the customer receipt confirmation, the goods receipt notification is sent to the product server 20.
- the online transaction device applied to the client 10 includes the following modules:
- the order information sending module 101 is configured to obtain the product information from the product server 20, generate an order according to the goods ordered by the buyer, and send the order to the commodity server 20;
- the verification information sending module 102 is configured to receive the payment verification information sent by the first bank server 40.
- the first received delivery notification module 103 is configured to send the first received delivery notification to the product server 20 after receiving the customer receipt confirmation.
- the commodity server 20 is configured to, after receiving the order information sent by the client 10, send a silver credit certificate request to the second bank server 30 according to the order information; and receive the received certificate sent by the second bank server 30. After the notification, the seller is notified of the shipment; after receiving the first received notification sent by the client 10, the second received notification is sent to the first bank server 40.
- the online transaction device applied to the commodity server 20 includes the following modules:
- the first receiving module 201 is configured to receive the order information sent by the client 10, the received notification sent by the second bank server 30, and the first received notification sent by the client 10.
- the certificate requesting module 202 is configured to send a bank letter verification request to the second bank server 30 after receiving the order information sent by the client 10.
- the delivery notification module 203 is configured to notify the seller of the shipment after receiving the received notification sent by the second bank server 30;
- the second received delivery notification module 204 is configured to receive the first received notification sent by the client 10, A second received notification is sent to the first bank server 40.
- the second bank server 30 is configured to: after receiving the silver credit certificate request sent by the commodity server 20, generate a bank certificate to be valid and send it to the first bank server 40; and receive the second bank After the valid silver certificate sent by the server 30, the status of the received valid silver certificate is updated to the received certificate, and the received certificate notification is sent to the commodity server 20.
- the online transaction apparatus applied to the second bank server 30 includes the following modules: [0124]
- the second receiving module 301 is configured to receive the silver credit certificate request of the commodity server 20, and A bank letter 40 sent by the bank server 40 in effect.
- the silver credit generation module 302 is configured to generate a silver credit certificate to be valid after receiving the silver credit certificate request from the commodity server 20.
- the silver credit generation module 303 is configured to send the silver credential to be valid to the first bank server 40.
- the received notification notification module 304 is configured to update the status of the silver credit card to the received certificate after receiving the silver certificate of the valid state sent by the first bank server 40, and send the received receipt to the commodity server 20. Notice of the certificate.
- the first bank server 40 is configured to receive the payment verification information from the client 10 after receiving the silver certificate sent by the first bank server 40, and perform verification; if the verification is passed, the buyer account is frozen.
- the funds corresponding to the order amount, and the status of the bank letter is updated to be valid, sent to the second bank server 30; after receiving the second received notice sent by the commodity server 20, the funds frozen by the buyer account are transferred Go to the seller account of the second bank server 30.
- the online transaction apparatus applied to the first bank server 40 includes the following modules: [0130]
- the third receiving module 401 is configured to receive the silver letter to be valid sent by the second bank server 30. certificate
- the verification module 402 is configured to receive the silver credit certificate to be valid after being sent by the second bank server 30.
- the freezing module 403 is configured to freeze the funds corresponding to the order amount in the buyer account if the verification is passed, and then update the status of the bank letter to be valid and send it to the second bank server 30.
- the payment module 404 is configured to, after receiving the second received delivery notification sent by the commodity server 20, transfer the funds frozen by the buyer account to the seller account of the second bank server 30. [0134] In order to prevent the buyer from receiving the goods receipt confirmation after receiving the goods, the payment module 404 is further configured to: if the first bank server does not receive the second received goods notification sent by the commodity server within the preset time interval , after the default time is exceeded, the funds frozen by the buyer account are transferred to the seller account of the second bank server.
- the monitoring server 50 is configured to collect data sent by the data sender and data received by the data receiver during the data transmission process, and verify the consistency of the transmitted data and the received data. Wherein, when the client 10, the commodity server 20, the first bank server 40 or the second bank server 30 is transmitting data as a data sender, when the client 10, the commodity server 20, the first bank server 40 or the second bank server 30 is the data receiver after receiving the data.
- the seller pre-stores the product information in the product server 20, and the buyer communicates with the product server 20 via the client 10, acquires the product information from the product server 20, and selects the product to be purchased.
- the client 1 0 generates order information based on the item information selected by the buyer, and submits the order information to the item server 20.
- commodities include tangible physical products and intangible services; commodity information includes information such as price and parameters of commodities.
- the merchandise server 20 can be a commercial computer server. It can also be a computer server set up by the seller himself.
- the client 10 is a communication terminal operated by the buyer, including but not limited to a terminal device such as a mobile phone, a tablet device, or a computer.
- the second bank server 30 refers to the bank server where the buyer's bank account is located
- the first bank server 40 refers to the bank server where the seller's bank account is located
- the second bank server 30 and the first bank server 40 may be servers of the same bank. (ie, the buyer and the seller's Seto Bank are the same), or it may be the server of a different bank (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.
- monitoring server 50 is a dual-track verification mechanism that prevents data from being tampered with during communication, and in some embodiments, may be omitted.
- 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 10 in order to prevent transaction information from being stolen, the client 10, the commodity server 20, The second bank server 30 and the first bank server 40 are further configured to: securely transmit the communication data using digital envelope technology after data transmission and data reception. Thereby further improving the security of data transmission and ensuring the security of transactions.
- the client 10 When the client 10, the commodity server 20, the second bank server 30, and the first bank server 40 are used as data senders, it is further configured to: generate a symmetric key, and encrypt the communication data by using a symmetric key to form a first
- the ciphertext is encrypted by using the public key of the data receiver to form a second ciphertext; the first ciphertext and the second ciphertext are respectively signed by the private key of the data and sent to the data receiver.
- the data sender randomly generates a symmetric key each 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 10 When the client 10, the commodity server 20, the second bank server 30, and the first bank server 40 are used as data senders, they are 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.
- the two-network combination technology is also used in this embodiment. That is, the client 10, the commodity server 20, the second bank server 30, and the first bank server 40 communicate via a public network, and the monitoring server 50 communicates with the second bank server 30 and the first bank server 40 via a dedicated line, respectively.
- the online transaction method, device and system of the present invention send a request for a certificate to a second bank server (the seller's bank), and the client sends a receipt notification to the first bank server (the buyer's bank).
- the transaction is completed in the interaction between the client, the commodity server, the first bank server, and the second bank server, and the transaction funds and transaction information in the transaction process are not transferred to the third-party payment platform, and the transaction status is performed by generating a silver letter certificate.
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CA2993109A CA2993109C (en) | 2015-07-21 | 2015-07-21 | Online transaction method, device and system |
PCT/CN2015/084666 WO2017012068A1 (zh) | 2015-07-21 | 2015-07-21 | 网上交易方法、装置和系统 |
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Citations (6)
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JP2012174075A (ja) * | 2011-02-23 | 2012-09-10 | Dainippon Printing Co Ltd | 自動構築システム、自動構築サーバ、およびプログラム |
CN102801710A (zh) * | 2012-07-04 | 2012-11-28 | 北京天龙融和软件有限公司 | 一种网络交易方法和系统 |
CN103827903A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种利用网络支付的方法及系统 |
CN103827902A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种网络支付的方法及系统 |
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2015
- 2015-07-21 WO PCT/CN2015/084666 patent/WO2017012068A1/zh active Application Filing
- 2015-07-21 CA CA2993109A patent/CA2993109C/en active Active
Patent Citations (6)
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CN1845164A (zh) * | 2006-04-30 | 2006-10-11 | 西安电子科技大学 | 无需第三方的公平安全电子交易方法 |
CN101567070A (zh) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | 一种交易数据处理方法、系统及一种支付系统 |
JP2012174075A (ja) * | 2011-02-23 | 2012-09-10 | Dainippon Printing Co Ltd | 自動構築システム、自動構築サーバ、およびプログラム |
CN102801710A (zh) * | 2012-07-04 | 2012-11-28 | 北京天龙融和软件有限公司 | 一种网络交易方法和系统 |
CN103827903A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种利用网络支付的方法及系统 |
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CA2993109A1 (en) | 2017-01-26 |
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