WO2017012447A1 - Serveur de traitement de paiement, système de paiement et procédé de paiement - Google Patents

Serveur de traitement de paiement, système de paiement et procédé de paiement Download PDF

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Publication number
WO2017012447A1
WO2017012447A1 PCT/CN2016/086680 CN2016086680W WO2017012447A1 WO 2017012447 A1 WO2017012447 A1 WO 2017012447A1 CN 2016086680 W CN2016086680 W CN 2016086680W WO 2017012447 A1 WO2017012447 A1 WO 2017012447A1
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WIPO (PCT)
Prior art keywords
client
information
payment
transaction
processing server
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PCT/CN2016/086680
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English (en)
Chinese (zh)
Inventor
戈志刚
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中商交在线（北京）科技发展有限公司
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Publication of WO2017012447A1 publication Critical patent/WO2017012447A1/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to the field of network communications, and in particular, to a payment processing server, a payment system, and a payment method based on a network communication technology.
  • the technical problem to be solved by the present invention is how to secure the account of the client in the transaction and payment process.
  • a payment processing server including:
  • a receiving module configured to receive a payment request from the first client, where the payment request includes authentication authorization information, admission authorization information, and transaction requirement information of the first client;
  • the authorization verification module is connected to the receiving module, and is configured to verify, according to the pre-stored authorized data, the authentication authorization information and the admission authorization information of the first client, to confirm whether the first client is legal;
  • a transaction control module configured to be connected to the authorization verification module, configured to send the transaction requirement information to the second client, and receive the authentication authorization information of the second client, if the first client is legal Access authorization information and transaction status information;
  • the authorization verification module is further configured to verify, according to the authorized data, authentication authorization information and admission authorization information of the second client, to confirm whether the second client is legal;
  • the payment processing server further includes:
  • a payment control module which is respectively connected to the authorization verification module and the transaction control module, and is configured to: when the second client is legal, according to the transaction status information, to the first client and the The payment between the second client is controlled.
  • the payment control module is further configured to: when the transaction status information indicates that the second client confirms that the goods are issued, to the second client The electronic money is paid in advance, and the electronic money is deducted from the first client if the transaction status information indicates that the first client confirms the goods.
  • the authorization verification module includes an authentication authorization verification unit and an admission authorization verification unit, and the authorization verification module further includes any one or more of the following units:
  • a login verification unit configured to log in to the first client and/or the second client Performing verification to determine whether the first client and/or the second client are legitimate;
  • an encryption verification unit configured to verify the encrypted information of the first client and/or the second client to determine whether the first client and/or the second client are legal.
  • the encrypted information includes hardware encryption information and/or software encryption information
  • the hardware encryption information includes at least one of a spectrum, a physical channel, and a physical shape
  • the software encryption information includes at least one of character information, image information, sound information, and video information.
  • the method further includes:
  • a DNA verification module configured to verify, at the first client, whether a DNA code on the goods matches the pre-added DNA code according to a DNA code pre-added on the goods sent by the second client;
  • the payment control module is coupled to the DNA verification module, for verifying that the DNA code on the shipment matches the pre-added DNA code, to the first client and the second client The payment between the ends is controlled.
  • the method further includes:
  • a location verification module configured to acquire the origin information corresponding to the goods sent by the second client, and verify, at the first client, whether the origin information of the goods is consistent with the predetermined origin information
  • the payment control module is connected to the location verification module, and configured to: compare the first client and the second client, if the origin information of the goods is consistent with the predetermined origin information The payment between the parties is controlled.
  • the method further includes:
  • a transport control module coupled to the transaction control module, for receiving, from the third client, transport status information of the shipped goods of the second client;
  • the authorization verification module is further configured to verify, according to the authorized data, whether the third client is legal;
  • the payment control module is further configured to control payment between the first client and the second client if the third client is verified to be legitimate.
  • the transaction control module is further configured to send, according to the transaction requirement information, a plurality of recommendation information to the first client, and according to the first client Selecting a transaction party from the recommendation information determines the second client.
  • the method further includes: a fund auditing module, configured to review the account funds of the first client;
  • the transaction control module is connected to the fund auditing module, and sends the transaction demand information to the second client in the case that the account funds of the first client are approved, and the account funds in the first client In the case of unapproved passage, the credit amount of the first client is pre-authorized according to the credit of the first client.
  • a payment system including: at least one payment processing server and a plurality of user terminals;
  • the payment processing server adopts a payment processing server of any one of the embodiments of the present invention.
  • the user terminal includes:
  • the first client in communication with the payment processing server, is configured to send a payment request to the payment processing server, where the payment request includes authentication authorization information, admission authorization information, and transaction requirement information of the first client. ;
  • a second client in communication with the payment processing server, configured to receive the transaction demand information from the payment processing server if the payment processing server confirms that the first client is legal, and Transmitting, by the payment processing server, the authentication authorization information, the admission authorization information, and the transaction status information of the second client, so that the payment processing server confirms the second If the client is legal, the payment between the first client and the second client is controlled according to the transaction status information.
  • the user terminal further includes:
  • a third client in communication with the payment processing server, for transmitting, to the payment processing server, transportation status information of the shipped goods of the second client, and verifying that the third client is legal And controlling the payment between the first client and the second client.
  • any one or more of the following devices are also included:
  • a DNA encoding device configured to pre-add a DNA code to the goods sent by the second client
  • a positioning device configured to acquire a location of the goods sent by the second client by using a global positioning system, and use the acquired location as the origin information corresponding to the cargo;
  • An encryption device configured to perform encryption processing on the first client and/or the second client, where the encryption information used by the encryption process includes hardware encryption information and/or software encryption information; the hardware encryption information
  • the software encryption information includes at least one of a spectrum, a physical channel, and a physical shape, and the software encryption information includes at least one of character information, image information, sound information, and video information.
  • a payment method including:
  • the payment between the first client and the second client is controlled according to the transaction status information.
  • the payment between the first client and the second client is controlled according to the transaction status information, including:
  • the transaction status information indicates that the second client confirms the delivery of the goods
  • the electronic money is paid in advance to the second client
  • the electronic money is deducted from the first client if the transaction status information indicates that the first client acknowledges the goods.
  • determining whether the first client and/or the second client are legal still includes any one or more of the following steps:
  • the encrypted information of the first client and/or the second client is verified to determine whether the first client and/or the second client are legitimate.
  • the method further includes: verifying, on the first client, the DNA coding on the goods according to a DNA code pre-added on the goods sent by the second client. Whether it matches the pre-added DNA code;
  • Controlling payment between the first client and the second client further comprising: in the case of verifying that the DNA code on the goods matches the pre-added DNA code, The payment between a client and the second client is controlled.
  • the method further includes: acquiring origin information corresponding to the goods sent by the second client, and verifying, at the first client, whether the origin information of the goods is issued In accordance with the scheduled origin information;
  • Controlling the payment between the first client and the second client further comprising: in the case that the origin information of the shipment is matched with the predetermined origin information, to the first client The payment between the end and the second client is controlled.
  • the method further includes:
  • the payment between the first client and the second client is controlled.
  • the embodiment of the invention uses various means to verify the client, so as to ensure that the client joining the system is an authorized client, thereby ensuring the security of the client account in the transaction and payment process.
  • authorized electronic money can be used, which not only facilitates the transaction, but also directly interacts with the bank account without each transaction, which facilitates the management of the client's account, and can further ensure the security of the client's funds; Forms can speed up the circulation of electronic money, which is conducive to the smooth progress of transactions; the use of pre-authorized credit lines is conducive to encouraging trading enthusiasm.
  • the client can be further verified by hardware encryption, software encryption, etc., to further ensure transaction security.
  • DNA technology is used for traceability
  • GPS technology is used for positioning to ensure the quality of the supplier's products.
  • FIG. 1 is a block diagram showing the structure of a payment system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the structure of a payment processing server according to an embodiment of the present invention.
  • FIG. 3 is a block diagram showing the structure of a payment processing server according to another embodiment of the present invention.
  • FIG. 4 shows a flow chart of a payment method in accordance with an embodiment of the present invention
  • FIG. 5 is a block diagram showing the structure of a payment processing device according to an embodiment of the present invention.
  • FIG. 1 is a block diagram showing the structure of a payment system according to an embodiment of the present invention.
  • the payment system mainly includes a processing center and a user terminal, where the processing center may be an AI (Artificial Intelligence) processing center, and may include at least one payment processing server 10, how many servers are specifically set, and a server.
  • the location and connection mode can be flexibly selected according to the actual application scenario. Generally, the more the number of servers, the stronger the computing power, and the greater the overall processing capacity of the system.
  • the user terminal of the payment system can be of various types, for example, a client used by the purchaser (the first client 21), a client used by the supplier (the second client 22), and a client used by the logistics party. Etc. (third client 23).
  • the first client 21 is in communication with the payment processing server 10, and is configured to send a payment request to the payment processing server 10, where the payment request includes the authentication and authorization information of the first client 21, Import authorization information and transaction demand information;
  • a second client 22 in communication with the payment processing server 10, for receiving the transaction request from the payment processing server 10 if the payment processing server 10 confirms that the first client 21 is legitimate And transmitting, to the payment processing server 10, the authentication authorization information, the admission authorization information, and the transaction status information of the second client 22, so that the payment processing server 10 confirms that the second client 22 is legal.
  • the payment between the first client 21 and the second client 22 is controlled according to the transaction status information.
  • the purchaser may be a merchant or an individual who needs to purchase a product
  • the supplier is usually a merchant that provides commodities such as agricultural products, fast-moving consumer goods, etc.
  • the logistics party is usually a logistics party selected by the supplier to deliver the goods to the purchaser.
  • the system can pre-approve the access of the merchants that want to join, authorize the merchants that meet the entry criteria, and assign corresponding access authorization information to each merchant, for example: the access authorization number, and then The information of the approved merchants is reported to a financial institution such as Guo Fu An of the People's Bank of China, requesting the financial institution to assign authentication and authorization information to the merchant, for example: CA (Certificate Authority) number, and the access authorization number and CA corresponding to each merchant. Number, etc., saved as authorized data.
  • the merchant can be authenticated (enterprise authenticity), credit information (payment ability, transaction authenticity, product quality, production capacity, etc.) to determine whether the merchant meets the admission criteria.
  • the login information and account may be directly assigned to the individual without the certification of the CA number and the access authorization number.
  • the payment processing server 10 saves in advance according to the access authorization number and CA number of the purchase party included in the payment request. If there is a matching record in the authorized data, if the matching record is found, the first client 21 may be an authorized legal client. For subsequent purchases, payments, etc.
  • the payment request may further include transaction demand information. If the purchaser needs to purchase a bulk agricultural product such as 1000Kg tomato, the transaction demand information may include: the product name “tomato”, the quantity of the product “1000Kg”, and the commodity price “## ⁇ ”. Etc., can also include information on the origin, quality requirements and other aspects.
  • the server may, according to the transaction demand information, match the information of the plurality of qualified suppliers in the pre-stored supplier data, and recommend to the purchaser through the first client 21.
  • the purchaser can select the required supplier from the recommendation information and place an order.
  • the first client 21 can also send the transaction demand information including the selected purchase product information to the server, and the server can send the transaction demand information.
  • the second client 22 of the selected supplier is given.
  • the server can review the purchaser's ability to pay, for example, query the purchaser's account funds in the payment system, and the account funds can be ordinary currency that can be issued by the financial institution.
  • the transaction amount is an electronic money that is authorized by the state to be exchanged with a common currency issued by a financial institution in accordance with a certain ratio. If the transaction amount is not enough, the server can check the purchaser's fund balance in the bank account, or increase the purchaser's transaction amount according to the purchaser's credit (bank guarantee, third party payment, guarantee company guarantee, asset mortgage, etc.). After the approval is passed, the server sends a notification of the order to the second client of the supplier.
  • the supplier can deliver the goods to the purchaser through the logistics party.
  • the logistics party can also perform the access certification and the CA certification.
  • the payment system may further include: a third client 23, in communication with the payment processing server 10, configured to send the second client 22 to the payment processing server 10 The transportation status information of the issued goods, and in the case of verifying that the third client 23 is legal, controls the payment between the first client 21 and the second client 22.
  • the transportation status information (including “shipped”, “in transit”, “received goods”, transport order number, etc.) may be sent to the payment processing server 10 through the third client 23 .
  • the server can prepay a portion of the fee to the second client 22.
  • the settlement method used for prepaid payment can be either the ordinary currency issued by the financial institution or the electronic money.
  • the preferred electronic money can be a transaction amount.
  • the transaction amount of an authorized merchant, in addition to the amount of currency exchange, may also include a credit line granted to the merchant according to the business condition, scale, benefit, credit, and the like of the merchant.
  • the amount of redemption and the credit line can be used as payment amount in the system.
  • the exchange currency needs to be settled, the transaction amount of the merchant is exchanged from the cash pool only according to the amount of the redemption and the income of the merchant.
  • Common currency If the currency needs to be exchanged, the server needs to interact with a financial system such as a bank to exchange electronic money with the common currency.
  • the payment system may further include any one or more of the DNA encoding device 30, the positioning device 40, the encryption device 50, and the like:
  • the DNA encoding device 30 is configured to add a DNA code to the goods sent by the second client 22 in advance.
  • the supplier may pre-add a DNA code to the goods before shipment, and send the pre-added DNA code to the payment processing server 10 through the second client 22, and then the purchaser may use a specialized DNA code detecting device.
  • the positioning device 40 is configured to acquire the location of the goods sent by the second client 22 by using the global positioning system, and use the acquired location as the origin information corresponding to the cargo. For example, when the supplier delivers, the supplier can be located by GPS (Global Positioning System) to obtain the origin information of the goods, and the origin information is sent to the payment processing server through the second client 22. 10. Then, after receiving the goods, the purchaser can judge whether the origin information of the goods is accurate manually or through the server.
  • GPS Global Positioning System
  • the encryption device 50 is configured to encrypt the first client 21 and/or the second client 22 Processing, the encryption information used by the encryption process includes hardware encryption information and/or software encryption information; the hardware encryption information includes at least one of a spectrum, a physical channel, and a physical shape, and the software encryption information includes character information ( At least one of numbers, symbols, letters, characters, etc., image information, sound information, and video information. For example, a spectrum technique or the like can be used, and the encryption of the client is recorded in the chip, so that when the chip is inserted into the PC end, the spectrum in the chip is parsed, thereby implementing hardware encryption.
  • the software encryption is implemented by packaging the software encryption information used for encryption with the CA number and the admission authentication number of the client into a data packet, and parsing the data packet by using the corresponding software encryption information at the control end. Thereby obtaining the CA number of the client and the access authentication number for subsequent verification. Hardware and/or software encryption of the client further ensures transaction security.
  • the payment system of the present invention uses various means to verify the client, for example, by verifying the authentication and authorization information issued by the financial institution and the access authorization information assigned by the payment system, thereby ensuring that the client joining the system is an authorized client. To ensure the security of the client's account during the transaction and payment process.
  • authorized electronic money can be used, which not only facilitates the transaction, but also directly interacts with the bank account without each transaction, which facilitates the management of the client's account, and can further ensure the security of the client's funds.
  • the client can be further verified by hardware encryption, software encryption, etc., to further ensure transaction security.
  • DNA technology is used for traceability
  • GPS technology is used for positioning to ensure the quality of the supplier's products.
  • FIG. 2 is a block diagram showing the structure of a payment processing server according to an embodiment of the present invention. 2 is an illustration of the payment processing server 10 in the payment system of FIG. 1. As shown in FIG. 2, the payment processing server 10 may include:
  • the receiving module 11 is configured to receive a payment request from the first client 21, where the payment request includes authentication authorization information, admission authorization information, and transaction requirement information of the first client 21;
  • the authorization verification module 13 is connected to the receiving module 11 for verifying the authentication authorization information and the admission authorization information of the first client 21 according to the pre-stored authorized data to confirm the first client. Whether terminal 21 is legal;
  • the transaction control module 15 is connected to the authorization verification module 13 for transmitting the transaction demand information to the second client 22 and receiving the second client if the first client 21 is legal. 22 authentication authorization information, admission authorization information, and transaction status information;
  • the authorization verification module 13 is further configured to verify the authentication authorization information and the admission authorization information of the second client 22 according to the authorized data, to confirm whether the second client 22 is legal;
  • the payment processing server 10 further includes:
  • the payment control module 17 is respectively connected to the authorization verification module 13 and the transaction control module 15 for, in the case that the second client 22 is legal, according to the transaction status information, to the first client The payment between the terminal 21 and the second client 22 is controlled.
  • the payment control module 17 is further configured to prepay electronic money to the second client 22 if the transaction status information indicates that the second client 22 confirms the delivery of the goods. And, in a case where the transaction status information indicates that the first client 21 confirms receipt of the goods, the electronic money is deducted from the first client 21.
  • the payment control module 17 can use the common currency to perform fund settlement in addition to the electronic currency, for example, the above-mentioned transaction quota, and needs to interact with the bank to realize fund settlement.
  • the payment processing server may also be connected to the video communication device of the terminal device.
  • the video call function of the device of the terminal may be invoked, for example, the front camera and the microphone of the mobile phone are turned on, and After establishing the video connection with the other party, after seeing the identity of the other party, you can also choose to take a screenshot to save the other party's image, and the transaction information and the screenshot.
  • the payment processing server like co-storing to the payment processing server as a transaction voucher. This will ensure that the transaction is safer.
  • invoking a video call it is also possible to secure the transaction by simply calling an audio call and recording.
  • the payment processing server of the payment system of the present invention authenticates the client by using various means, for example, by verifying the authentication and authorization information issued by the financial institution and the access authorization information allocated by the payment system, thereby ensuring the client joining the system. It is an authorized client, thus ensuring the security of the client's account during the transaction and payment process.
  • authorized electronic money can be used, which not only facilitates the transaction, but also directly interacts with the bank account without each transaction, which facilitates the management of the client's account, and can further ensure the security of the client's funds.
  • FIG. 3 is a block diagram showing the structure of a payment processing server according to another embodiment of the present invention.
  • the authorization verification module 13 of the payment processing server 10 may include an authentication authorization verification unit 31 and an admission authorization verification unit 32, and the authorization verification module 13 further includes the following units. Any one or more of:
  • the login verification unit 33 is configured to verify login information of the first client 21 and/or the second client 22 to determine whether the first client and/or the second client 22 are legitimate. For example, you can assign a login name, password, etc. to the client. You can issue a special bank card. The bank card number and password can be used directly as the login name or password, or you can assign the login name and password separately.
  • the encryption verification unit 34 is configured to verify the encrypted information of the first client 21 and/or the second client 22 to determine whether the first client and/or the second client 22 are legitimate.
  • the encrypted information includes hardware encryption information and/or software encryption information; the hardware encryption information includes at least one of a spectrum, a physical channel, and a physical shape; the software encryption information includes character information, image information, sound information, and video. At least one of the information.
  • hardware encryption can write spectra in the chip and establish the corresponding relationship between the spectrum and the client; it can also form physical channels through the circuit in the chip, and establish physical channels and clients. Correspondence relationship; physical encryption can also be performed by setting the physical shape of the interface between the chip and the terminal.
  • software encryption can be implemented by packaging the software encryption information used for encryption with the client's CA number and admission authentication number into a data packet.
  • the payment processing server 10 further includes:
  • a DNA verification module 18 configured to verify, at the first client 21, whether the DNA code on the goods is related to the pre-added DNA according to a DNA code pre-added on the goods sent by the second client 22. The code matches.
  • the payment control module 17 is coupled to the DNA verification module 18 for use in verifying that the DNA code on the shipment matches the pre-added DNA code, to the first client 21 and the The payment between the second clients 22 is controlled.
  • the supplier may pre-add a DNA code to the goods before shipment and send the pre-added DNA code to the payment processing server 10 via the second client 22, and then the purchaser may use a specialized DNA code.
  • the detecting device acquires the DNA code of the received goods, thereby determining whether the DNA code of the goods is consistent with the code added at the time of shipment, either manually or through the DNA verification module 18 of the payment processing server 10, thereby realizing the traceability of the goods by DNA coding. To prevent random replacement of goods in the middle. If the DNA encoding is accurate, the purchaser confirms the receipt of the goods through the first client 21, the payment control module 17 may deduct the electronic money consumed by the purchase from the first client 21, and to the second client 22 Pay the electronic money obtained from the sale. Of course, some or all of the electronic money may be paid in advance to the second client 22, which may be flexibly determined according to the needs of the client.
  • the payment processing server 10 further includes:
  • the location verification module 19 is configured to acquire the origin information corresponding to the goods sent by the second client 22, and verify, at the first client 21, whether the origin information of the goods is consistent with the predetermined origin information;
  • the payment control module 17 is connected to the location verification module 19 for issuing the goods
  • the payment between the first client 21 and the second client 22 is controlled in the case where the origin information is consistent with the predetermined origin information.
  • the supplier when the supplier delivers, the supplier can be located by GPS to obtain the origin information of the current shipment, and the origin information is transmitted to the payment processing server 10 through the second client 22. Then, after receiving the goods, the purchaser can determine whether the origin information of the goods is accurate and inform the first client 21 manually or through the location verification module 19 of the server. If the origin information is accurate, the purchaser confirms the receipt of the goods through the first client 21, the payment control module 17 may deduct the electronic money consumed by the purchase from the first client 21, and send the electronic money to the second client 22 Pay the electronic money obtained from the sale. Of course, some or all of the electronic money may be paid in advance to the second client 22, which may be flexibly determined according to the needs of the client.
  • the payment processing server 10 further includes:
  • a transport control module 16 coupled to the transaction control module 15 for receiving, from the third client 23, transport status information of the shipped cargo of the second client 22;
  • the authorization verification module 13 is further configured to verify, according to the authorized data, whether the third client 23 is legal;
  • the payment control module 17 is further configured to control the payment between the first client 21 and the second client 22 in the case that the third client 23 is verified to be legitimate.
  • the supplier may select the payment system authorization verification module 13 to verify the legal logistics party to deliver the goods, and after the logistics party delivers the goods, the third party 23 may send the transportation status information to the payment processing server 10 and transport the goods.
  • Control module 16 records real-time shipping status information.
  • the payment between the logistics party and the supplier can also be controlled by the payment control module 17, for example, deducting the electronic money consumed by the current logistics from the second client 22, and paying the logistics office to the third client 23. Obtained electronic money. Of course, part or all of the electronic money may also be paid in advance to the third client 23, which may be flexibly determined according to the needs of the client.
  • the transaction control module 15 is further configured to perform according to the transaction
  • the information is sent to the first client 21 to send a plurality of recommendation information, and the second client 22 is determined according to the first client 21 selecting a transaction party from the recommendation information.
  • the payment processing server 10 further includes:
  • the fund auditing module 12 is configured to review account funds of the first client
  • the transaction control module 15 is connected to the fund auditing module 12, and sends the transaction demand information to the second client 22 in the case that the account funds of the first client 21 are approved; In a case where the account funds of the client 21 are not approved, the first client 21 pre-authorizes the credit line according to the credit of the first client 21.
  • the payment processing server 10 further includes:
  • the credit management module 14 is configured to pre-authorize the credit line to the first client 21 and/or the second client 22.
  • the fund auditing module 12 in the payment processing server may also review the purchasing ability of the purchasing party through the first client 21. For example, after the purchaser places an order through the first client 21, the server reviews the account funds of the first client 21, and after the audit is passed (for example, the transaction amount of the account is greater than the transaction amount required for the purchase), The transaction control module 15 then transmits the transaction demand information to the second client 22.
  • the transaction control module 15 can also monitor the quality of the goods, the quantity of the goods, the delivery date, etc., while monitoring the transaction status information, and monitor the damage and delivery time of the goods of the logistics party. Specifically, the transaction control module 15 can obtain, from the DNA verification module 18, whether the DNA information of the goods at the time of receipt is legal, and determine from the location verification module 19 whether the goods are issued from a predetermined place of origin based on the actual origin information, from the transportation control module 16 Obtain the delivery time, the arrival time meets the delivery date requirements, and whether the goods are damaged, etc., so as to ensure the safety of the supplier's goods.
  • the fund auditing module 12, the transaction control module 15, the DNA verification module 18, the location verification module 19, and the transportation control module 16 can jointly implement the supply chain management function to ensure financial security and cargo security during the transaction process (including product quality, products). Quantity, delivery date, logistics, etc.).
  • the payment processing server of the payment system of the present invention authenticates the client by using various means, for example, by verifying the authentication and authorization information issued by the financial institution and the access authorization information allocated by the payment system, thereby ensuring the client joining the system. It is an authorized client, thus ensuring the security of the client's account during the transaction and payment process.
  • authorized electronic money such as transaction quota
  • transaction quota can be used.
  • the form of prepayment can speed up the circulation of electronic money, which is conducive to the smooth progress of transactions; the use of pre-authorized credit lines is conducive to encouraging trading enthusiasm.
  • the client can be further verified by hardware encryption, software encryption, etc., to further ensure transaction security.
  • DNA technology is used for traceability
  • GPS technology is used for positioning to ensure the quality of the supplier's products.
  • the financial security of the transaction process can be guaranteed, and the quality of the goods to the supplier, the quantity of the goods, the delivery date, etc. can be managed, and the damage and time of the goods of the logistics party can be carried out. Management can ensure the safety of goods.
  • the invention integrates various security protection means such as transaction quota, CA certification, access authentication, DNA traceability, GPS positioning, login verification, hardware encryption, software encryption, etc., and can effectively ensure transaction security and product quality.
  • various security protection means such as transaction quota, CA certification, access authentication, DNA traceability, GPS positioning, login verification, hardware encryption, software encryption, etc.
  • FIG. 4 shows a flow chart of a payment method in accordance with an embodiment of the present invention.
  • the payment method of the embodiment may be implemented by using the payment system of the foregoing embodiment.
  • the payment method mainly includes the following steps. The steps may be performed by the payment processing server in the foregoing embodiment.
  • Step 101 Receive a payment request from a first client, where the payment request includes the first Client authentication and authorization information, access authorization information, and transaction demand information.
  • Step 102 Verify the authentication authorization information and the admission authorization information of the first client according to the pre-stored authorized data to confirm whether the first client is legal.
  • Step 103 Send, when the first client is legal, the transaction requirement information to the second client, and receive the authentication authorization information, the admission authorization information, and the transaction status information of the second client.
  • the account funds of the first client may also be audited, and the transaction demand information is sent to the second client in the case that the account funds of the first client are approved; and the account funds in the first client are In the case of unapproved passage, the credit amount of the first client is pre-authorized according to the credit of the first client.
  • Step 104 Verify, according to the authorized data, authentication authorization information and admission authorization information of the second client, to confirm whether the second client is legal.
  • determining whether the first client and/or the second client are legal still includes any one or more of the following steps:
  • the encrypted information of the first client and/or the second client is verified to determine whether the first client and/or the second client are legitimate.
  • the encrypted information may include hardware encryption information and/or software encryption information; the hardware encryption information includes at least one of a spectrum, a physical channel, and a physical shape; the software encryption information includes character information, image information, sound information, and At least one of the video information.
  • Step 105 In the case that the second client is legal, control the payment between the first client and the second client according to the transaction state information.
  • controlling the payment between the first client and the second client according to the transaction status information may include the following situations:
  • the transaction status information indicates that the second client confirms the delivery of the goods And prepaying the electronic money to the second client;
  • Case 2 In case the transaction status information indicates that the first client acknowledges the goods, the electronic money is deducted from the first client.
  • the payment method of this embodiment may further include the step of DNA source tracing, and specifically, the method further includes: pre-adding a DNA code according to the goods sent by the second client, in the first The client verifies whether the DNA code on the goods matches the pre-added DNA code, and in the case where it is verified that the DNA code on the goods matches the pre-added DNA code, the first The payment between the client and the second client is controlled.
  • the payment method of the embodiment may further include the step of: locating the origin of the GPS, and the method may include: acquiring the origin information corresponding to the goods sent by the second client, and at the first The client verifies whether the origin information of the goods is in conformity with the predetermined origin information; and in the case that the origin information of the goods is matched with the predetermined origin information, the first client and the second client are The payment between the ends is controlled.
  • the payment method of the embodiment may further include the step of controlling the logistics party, and specifically, the method further includes: receiving, from the third client, the transportation status information of the shipped goods of the second client. And verifying, according to the authorized data, whether the third client is legal; and verifying that the third client is legitimate, performing payment between the first client and the second client control.
  • the payment method of the present invention uses a plurality of means to verify the client, for example, by verifying the authentication and authorization information issued by the financial institution and the access authorization information allocated by the payment system, thereby ensuring that the client joining the system is an authorized client. To ensure the security of the client's account during the transaction and payment process.
  • authorized electronic money such as transaction quota can be used, which is not only convenient for transactions, but also directly interacts with the bank account without each transaction, which is convenient for the client's account.
  • Management can further ensure the security of the client's funds; using the form of prepayment can speed up the circulation of electronic money, which is conducive to the smooth progress of the transaction; the use of pre-authorized credit lines is conducive to encouraging trading enthusiasm.
  • the client can be further verified by hardware encryption, software encryption, etc., to further ensure transaction security.
  • DNA technology is used for traceability
  • GPS technology is used for positioning to ensure the quality of the supplier's products.
  • the invention integrates various security protection means such as transaction quota, CA certification, access authentication, DNA traceability, GPS positioning, login verification, hardware encryption, software encryption, etc., and can effectively ensure transaction security and product quality.
  • various security protection means such as transaction quota, CA certification, access authentication, DNA traceability, GPS positioning, login verification, hardware encryption, software encryption, etc.
  • FIG. 5 is a block diagram showing the structure of a payment processing device according to an embodiment of the present invention.
  • the payment processing device 1100 may be a host server having a computing capability, a personal computer PC, or a portable computer or terminal that can be carried.
  • the specific embodiments of the present invention do not limit the specific implementation of the computing node.
  • the payment processing device 1100 includes a processor 1110, a communication interface 1120, a memory 1130, and a bus 1140.
  • the processor 1110, the communication interface 1120, and the memory 1130 complete communication with each other through the bus 1140.
  • Communication interface 1120 is for communicating with network devices, including, for example, a virtual machine management center, shared storage, and the like.
  • the processor 1110 is configured to execute a program.
  • the processor 1110 may be a central processing unit CPU, or an Application Specific Integrated Circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present invention.
  • ASIC Application Specific Integrated Circuit
  • the memory 1130 is used to store files.
  • the memory 1130 may include a high speed RAM memory and may also include a non-volatile memory such as at least one disk memory.
  • Memory 1130 can also be a memory array.
  • the memory 1130 may also be partitioned, and the blocks may be combined into a virtual volume according to certain rules.
  • the above program may be program code including computer operating instructions.
  • the program can be specifically used to implement the operations of the steps in Embodiment 4.
  • the function is implemented in the form of computer software and sold or used as a stand-alone product, it is considered to some extent that all or part of the technical solution of the present invention (for example, a part contributing to the prior art) is It is embodied in the form of computer software products.
  • the computer software product is typically stored in a computer readable non-volatile storage medium, including instructions for causing a computer device (which may be a personal computer, server, or network device, etc.) to perform all of the methods of various embodiments of the present invention. Or part of the steps.
  • the foregoing storage medium includes various media that can store program codes, such as a USB flash drive, a removable hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.
  • the embodiment of the invention uses various means to verify the client, so as to ensure that the client joining the system is an authorized client, thereby ensuring the security of the client account in the transaction and payment process.
  • authorized electronic money can be used, which is not only convenient for trading, It does not need to interact with the bank account directly for each transaction, which is convenient for managing the client's account, which can further ensure the security of the client's funds; using the form of prepayment can speed up the circulation of electronic money, which is conducive to facilitating the smooth progress of the transaction; Authorizing credit lines is conducive to encouraging trading enthusiasm.
  • the client can be further verified by hardware encryption, software encryption, etc., to further ensure transaction security.
  • DNA technology is used for traceability
  • GPS technology is used for positioning to ensure the quality of the supplier's products.

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Abstract

La présente invention concerne un serveur de traitement de paiement, un système de paiement et un procédé de paiement. Le système de paiement comporte au moins un serveur de traitement de paiement et une pluralité de terminaux utilisateur. Les terminaux utilisateur incluent : un premier client envoyant au serveur de traitement de paiement une demande de paiement pour des informations d'authentification et d'autorisation, des informations d'autorisation d'admission et des informations de demande de transaction du premier client ; et un deuxième client recevant, dans le cas où le premier client est valide, les informations de demande de transaction en provenance du serveur de traitement de paiement, et envoyant à ce dernier les informations d'authentification et d'autorisation, les informations d'autorisation d'admission et les informations d'état de transaction du deuxième client. Le serveur de traitement de paiement commande, dans le cas où il est confirmé que le deuxième client est valide, le paiement entre le premier et le deuxième client selon les informations d'état de transaction. L'invention vérifie les clients de différentes manières afin de garantir que les clients ajoutés au système sont des clients autorisés, assurant ainsi la sécurité des comptes des clients pendant la transaction et le paiement.
PCT/CN2016/086680 2015-07-20 2016-06-22 Serveur de traitement de paiement, système de paiement et procédé de paiement WO2017012447A1 (fr)

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