WO2014146228A1 - Procédé et système de paiement au moyen d'un réseau - Google Patents

Procédé et système de paiement au moyen d'un réseau Download PDF

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Publication number
WO2014146228A1
WO2014146228A1 PCT/CN2013/072794 CN2013072794W WO2014146228A1 WO 2014146228 A1 WO2014146228 A1 WO 2014146228A1 CN 2013072794 W CN2013072794 W CN 2013072794W WO 2014146228 A1 WO2014146228 A1 WO 2014146228A1
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WO
WIPO (PCT)
Prior art keywords
payment
server
information
type
payee
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2013/072794
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English (en)
Chinese (zh)
Inventor
张毅
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Cifpay Network Bank Technology Co Ltd
Original Assignee
Shenzhen Cifpay Network Bank Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shenzhen Cifpay Network Bank Technology Co Ltd filed Critical Shenzhen Cifpay Network Bank Technology Co Ltd
Priority to PCT/CN2013/072794 priority Critical patent/WO2014146228A1/fr
Priority to CN201380001549.6A priority patent/CN103827903A/zh
Publication of WO2014146228A1 publication Critical patent/WO2014146228A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 electronic commerce, and in particular, to a method and system for utilizing network payment. Background technique
  • E-commerce has become more and more widely used in various commercial trade activities.
  • the so-called e-commerce refers to the realization of online shopping for consumers in commercial and trade activities, in the open Internet environment, based on browser and server applications.
  • e-commerce refers to the realization of online shopping for consumers in commercial and trade activities, in the open Internet environment, based on browser and server applications.
  • the credit bottleneck in the settlement process of online electronic payment is always an obstacle in the development of e-commerce (network transaction).
  • the form of the third party payment company guarantee is less risky.
  • the funds are already paid to the third-party payment company when the goods are not received.
  • the buyer’s customer’s funds are There is no guarantee, therefore, in the form of a third-party payment company guarantee, the risk of the buyer's customer is still relatively large.
  • the present invention is implemented in such a manner that a method of utilizing network payment includes:
  • the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information;
  • the second type of bank server sends the payee account information to the first type of bank server; the payee can send a payment request to the first type of bank server through the network payment server; the first type of bank server receives the payment request, according to the payment request payment.
  • the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank according to the name of the receiving bank in the payee account information.
  • the server also includes: The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server;
  • the first type of bank server After receiving the payment request instruction, the first type of bank server generates a valid committed payment information data packet, and sends the committed payment information data packet to the network payment server;
  • the network payment server transmits the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
  • the method further includes:
  • the network payment server notifies the payee that the goods can be shipped, and the payee sends the shipped information to the first type of bank server through the network payment server;
  • the logistics server sends the bill of lading information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status, and the first type of bank server will sign the receipt.
  • the status of the promised payment information packet is fed back to the network payment server.
  • the payee may send a payment request to the first type of bank server through the network payment server, specifically:
  • the payee may send a payment request to the first type of bank server through the network payment server.
  • the network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank according to the name of the receiving bank in the payee account information.
  • the server Before the server, it also includes:
  • the network payment server generates the number of the promised payment information packet and stores the number of the generated committed payment information packet in the database.
  • the promised payment information data packet includes an amount of frozen funds, frozen account information and status information.
  • the number of the promised payment information data packet includes payment bank name information, payment amount, and payer information.
  • a network payment server connected to the first type of bank server and the second type of bank server, for receiving the payee account information sent from the payee, according to the receipt in the payee account information a bank name, the payee account information is sent to the second type of bank server; and is further configured to send a payment request to the first type of bank server;
  • a first type of bank server configured to receive the payee account information sent from a second type of bank server; further configured to receive the payment request sent from a network payment server, and request payment according to the payment request;
  • a second type of bank server configured to receive the payee account information sent from the network payment server, and send the payee account information to the first type of bank server.
  • More excellent also includes:
  • the network payment server is further configured to receive a payment request instruction, and send the payment request instruction to the first type of bank server; and to receive the promised payment information data packet sent from the first type of bank server, and the promised payment The information data packet is sent to the first type of client terminal;
  • the first type of bank server is further configured to receive the payment request instruction, generate a valid commitment payment information data packet, and send the data packet to the network payment server;
  • the first type of client terminal is configured to receive the committed payment information data packet and forward the data to the second type of client terminal.
  • More excellent also includes:
  • the network payment server is connected to the second client terminal, and is further configured to notify the payee that the goods can be shipped through the second client terminal, receive the shipped information sent from the second client terminal, and send the shipped information Receiving, by the first type of bank server, the receipt information of the waybill sent from the logistics server, and transmitting the signed receipt information to the first type of bank server;
  • a second client terminal configured to receive, by the network payment server, information that the payment recipient can deliver, and send the shipped information to the network payment server;
  • a logistics server connected to the network payment server, configured to send the bill of lading information to the network payment server;
  • the first type of bank server is further configured to receive the shipped information and the billed receipt information, update the status of the promised payment information packet, and feed back the committed payment information packet of the signed status to the network payment. server.
  • More excellent also includes:
  • the second client terminal is further configured to send a payment request to the network payment server;
  • the network payment server is further configured to send the payment request to the first type of bank server. More excellent, also includes:
  • the promised payment information data packet includes an amount of frozen funds, frozen account information and status information.
  • the number of the promised payment information data packet includes payment bank name information, payment amount, and payer information.
  • the network payment method and system provided by the present invention only freezes the funds for the buyer, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer's customers.
  • FIG. 1 is a schematic structural diagram of a system for utilizing network payment according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of another embodiment of a system for utilizing network payment according to the present invention
  • FIG. 3 is a schematic flowchart of a method for utilizing network payment according to an embodiment of the present invention
  • FIG. 4 is a schematic flow chart of another embodiment of a method for utilizing network payment according to the present invention.
  • FIG. 5 is a flow chart of still another embodiment of a method for utilizing network payment according to the present invention.
  • FIG. 1 a schematic structural diagram of a system for utilizing network payment according to an embodiment of the present invention, which includes:
  • the network payment server 101 is connected to the first type of bank server 102 and the second type of bank server 103 for receiving the payee account information sent from the payee, according to the name of the receiving bank in the payee account information. Transmitting the payee account information to the second type of bank server 103; The first type of bank server 102 sends a payment request.
  • the first type of bank server 102 is configured to receive the payee account information transmitted from the second type of bank server 103; and is further configured to receive a payment request sent from the network payment server 101, and pay according to the payment request.
  • the second type of bank server 103 is configured to receive the payee account information transmitted from the network payment server 101, and transmit the payee account information to the first type of bank server 102.
  • FIG. 2 another structural diagram of a system for utilizing network payment according to an embodiment of the present invention shown in FIG. 2 includes:
  • the network payment server 201 is connected to the first type bank server 202, the second type bank server 203, the first client terminal 204, and the second client terminal 205 to the logistics server 206 for receiving the payment from the payee.
  • the account information of the person, the payee account information is sent to the second type of bank server 203 according to the name of the receiving bank in the payee account information; and is further used for sending a payment request to the first type of bank server 202; And receiving the payment request instruction, and sending the payment request instruction to the first type of bank server 202; and receiving the promised payment information data packet sent from the first type of bank server 202, and sending the promised payment information data packet to
  • the first type client terminal 204 is further configured to notify the payee that the shipment can be shipped through the second client terminal 205, receive the shipped information sent from the second client terminal 205, and send the shipped information to the first
  • the type bank server 202 receives the billed receipt information sent from the logistics server 206 or the first client terminal 204, and the way
  • the network payment server 201 is further configured to generate a number of the committed payment information data packet, and store the generated number of the promised payment information data packet in the database.
  • the network payment server 201 is further configured to receive the payee account information sent from the second client terminal 205, and transmit the payer account information to the second type of bank server 203.
  • the first type of bank server 202 is configured to receive the payee account information sent from the second type of bank server 203; and is further configured to receive a payment request sent from the network payment server 201, and pay according to the payment request; Request an instruction to generate a valid committed payment information packet, send
  • the network payment server 201 is further configured to receive the shipped information and the billing signed information, update the committed payment information data packet status, and feed back the signed payment commitment information data packet to the network payment server 201.
  • the second type of bank server 203 is configured to receive the payee account information sent from the network payment server 201, and transmit the payee account information to the first type of bank server 202.
  • the first type of client terminal 204 is configured to receive the committed payment information data packet and forward it to the second type client terminal 205.
  • the second type client terminal 205 is configured to receive the information that is sent from the network payment server 201 to notify the payee of the shipment, and send the shipped information to the network payment server 201; and is further configured to send the payment request to the network payment server 201.
  • the payment request is sent to the network payment server 201 when the status information in the commitment payment information packet becomes the signed status.
  • the logistics server 206 is configured to send the bill of lading information to the network payment server 201.
  • the first customer terminal can send the bill of lading information to the logistics server 206.
  • the first client terminal 204 can also send the waybill signed information to the network payment server 201 instead of the logistics server 206.
  • FIG. 3 a schematic flowchart of a method for using network payment according to an embodiment of the present invention, including:
  • Step S301 The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information.
  • Step S302 The second type of bank server sends the payee account information to the first type of bank server.
  • Step S303 The payee can send a payment request to the first type of bank server through the network payment server.
  • Step S304 The first type of bank server receives the payment request, and pays according to the payment request.
  • the online payment method provided by the present invention is only for the buyer to freeze the funds, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer's customers.
  • FIG. 4 A flow diagram of another embodiment of a method for utilizing network payment according to the present invention, which is shown in FIG. 4, the method steps include:
  • Step S401 The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server according to the payment bank name.
  • the payment request instruction includes a payment bank name and amount information.
  • Step S402 After receiving the payment request instruction, the first type of bank server generates a valid commitment payment information data packet, and sends the committed payment information data packet to the network payment server.
  • the valid promised payment information data packet includes the amount of frozen funds, frozen account information and status information; and may also include currency information, account bank information, issue date, validity period information, and the like.
  • Step S403 The network payment server sends the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
  • Step S404 The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type of bank server according to the name of the payee bank in the payee account information.
  • the payee may send the number in the promised payment information packet and the payee account information to the network payment server through the second type client terminal, and the second type client terminal may be a smart device such as a mobile phone, a personal computer, or a PAD. .
  • the payee and the payee can be the same subject or different subjects.
  • Step S405 The second type of bank server sends the payee account information to the first type of bank server.
  • Step S406 The network payment server notifies the payee that the goods are delivered, and the payee sends the shipped information to the first type of bank server through the network payment server.
  • Step S407 The logistics server sends the billing received information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status.
  • the first type of bank server feeds back the promised payment information data packet in the signed state to the network payment server.
  • Step S408 After the status information in the promised payment information data packet is the signed status, the payee may send a payment request to the first type of bank server through the network payment server.
  • Step S409 The first type of bank server thaws the frozen funds and transfers the funds to the second type of bank server.
  • the online payment method provided by the present invention is only for the buyer to freeze the funds, and does not need to pay the funds out, which can reduce the capital risk and protect the interests of the buyer and the customer.
  • FIG. 5 A flow diagram of still another embodiment of a method for utilizing network payment according to the present invention shown in FIG. 5, the method steps comprising:
  • Step S501 The payer sends a payment request instruction to the network payment server through the first type client terminal, where the payment request instruction includes the payment bank name and the payment amount information.
  • the first type of client terminal includes a smart device such as a mobile phone, a personal computer, or a PAD.
  • Step S502 The network payment server receives the payment request instruction, and sends the payment request instruction to the first type of bank server according to the payment bank name.
  • Step S503 The first type of bank server receives the payment request instruction and receives the account information provided by the payer.
  • Step S504 The first type of bank server reviews the account information. If the account information is correct, the process proceeds to step S505. If the account information is incorrect, an error message is returned to the network payment server.
  • Step S505 Freeze the account and the amount on the account, generate a valid committed payment information data packet, and send the audit pass information to the network payment server.
  • the promised payment information data package includes the amount of frozen funds, frozen account information, and status information.
  • the status information is the signed status.
  • Step S506 The network payment server receives the audit pass information, generates a number of the promised payment information data packet, and stores the generated number of the promised payment information data packet in the database.
  • the number of the promised payment information data packet is an indication of the promised payment information data packet.
  • the number of the promised payment information data packet can be "China Merchants Bank Bank Letter*500.00RMB*Zhangsan", in which China Merchants Bank is the name of the payment bank, the bank letter is the name of the package, 500.00RMB is the payment amount, Zhang Sanwei Payer information, which can be freely combined by the above information.
  • Step S507 The first type of bank server sends the promised payment information data packet to the network payment service Server.
  • Step S508 The network payment server sends the promised payment information data packet to the payer, and the payer forwards the promised payment information data packet to the payee.
  • Step S509 The network payment server receives the payee account information sent from the payee, and sends the payee account information to the second type bank server according to the name of the payee bank in the payee account information;
  • the payee can send the number in the promised payment information packet and the payee account information to the network payment server through the second type of client terminal, and the second type of client terminal can be a smart device such as a mobile phone, a personal computer, or a PAD.
  • the payee and the payee can be the same subject or different subjects.
  • the payee account information includes the name of the receiving bank, the information of the receiving account, and the like.
  • Step S510 The second type of bank server reviews the payee account information. If the account information is correct, the process proceeds to step S511. If the account information is incorrect, an error message is returned to the network payment server.
  • Step S511 The second type of bank server sends the payee account information to the first type of bank server.
  • Step S512 The first type of bank server updates the status information of the promised payment information packet, and the status information is the specified payee status.
  • Step S513 The network payment server notifies the payee that the goods can be shipped, and the payee sends the shipped information to the first type of bank server through the network payment server.
  • Step S514 The first type of bank server updates the status information of the committed payment information data packet according to the shipped information, and the status information is the delivered status.
  • Step S515 The logistics system sends the waybill signed information to the first type of bank server through the network payment server, and the first type of bank server updates the status information of the promised payment information data packet, and the status information is the signed status.
  • the first type of bank server feeds back the promised payment information packet of the signed status to the network payment server.
  • Step S516 The payee can send a payment request to the first type of bank server through the network payment server.
  • the network payment server when the network payment server receives the promised payment information data packet in the signed state, the network payment server can support the first type of bank server to send the payment request.
  • Step S517 The first type of bank server thaws the frozen funds and transfers the funds to the second type of bank server.
  • the network payment method provided by the present invention is only for the buyer If the funds are frozen, it is not necessary to pay the funds out, which can reduce the risk of funds and protect the interests of the buyers and customers.
  • the present invention can be implemented by means of software plus a necessary hardware platform, and of course, all can be implemented by hardware.
  • all or part of the technical solution of the present invention contributing to the background art may be embodied in the form of a software product, which may be stored in a storage medium such as a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • a number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods described in various embodiments of the present invention or portions of the embodiments.

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  • Engineering & Computer Science (AREA)
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  • General Physics & Mathematics (AREA)
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Abstract

Procédé de paiement au moyen d'un réseau, comprenant les étapes suivantes: un serveur de paiement réseau reçoit des informations de numéro de compte d'un bénéficiaire envoyées par le bénéficiaire, et envoie les informations de numéro de compte de bénéficiaire à un serveur bancaire d'un second type conformément à un nom de banque voulu contenu dans les informations de numéro de compte de bénéficiaire; le serveur bancaire de second type envoie les informations de numéro de compte de bénéficiaire à un serveur bancaire d'un premier type; le bénéficiaire peut envoyer une demande de paiement au serveur bancaire de premier type par l'intermédiaire du serveur de paiement réseau; et le serveur bancaire de premier type reçoit la demande de paiement et paie conformément à cette demande de paiement. L'invention concerne également un système de paiement au moyen d'un réseau.
PCT/CN2013/072794 2013-03-18 2013-03-18 Procédé et système de paiement au moyen d'un réseau Ceased WO2014146228A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CN2013/072794 WO2014146228A1 (fr) 2013-03-18 2013-03-18 Procédé et système de paiement au moyen d'un réseau
CN201380001549.6A CN103827903A (zh) 2013-03-18 2013-03-18 一种利用网络支付的方法及系统

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2013/072794 WO2014146228A1 (fr) 2013-03-18 2013-03-18 Procédé et système de paiement au moyen d'un réseau

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CN110348823A (zh) * 2019-07-10 2019-10-18 上海中通吉网络技术有限公司 网络支付方法及设备
WO2020243904A1 (fr) * 2019-06-04 2020-12-10 海付移通科技香港有限公司 Procédé de remboursement, système de transaction, système de compte et support de stockage

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CN104838403A (zh) * 2014-08-06 2015-08-12 深圳市银信网银科技有限公司 一种用于搭建网络交易平台的系统及方法
CN106203976A (zh) * 2015-04-30 2016-12-07 深圳市银信网银科技有限公司 基于同一资金服务器的支付系统及其支付方法、装置和服务器
CA2987802A1 (fr) * 2015-04-30 2016-11-03 10353744 Canada Ltd. Systeme de paiement base sur un serveur de fonds croises et procede, dispositif et serveur de paiement associes
CN106203986A (zh) * 2015-04-30 2016-12-07 深圳市银信网银科技有限公司 一种网络支付方法、装置、资金管理服务器和系统
CN106203982A (zh) * 2015-04-30 2016-12-07 深圳市银信网银科技有限公司 基于跨资金服务器的支付系统及其支付方法、装置和服务器
CN106203985A (zh) * 2015-04-30 2016-12-07 深圳市银信网银科技有限公司 基于同一资金服务器的支付系统及其支付方法、装置和服务器
CA3061229C (fr) * 2015-04-30 2023-02-28 10353744 Canada Ltd. Systeme de paiement base sur differents serveurs de fonds et procede de paiement, dispositif et serveur associe
CA2993592A1 (fr) * 2015-07-21 2017-01-26 10353744 Canada Ltd. Procede, appareil et serveur de traitement de donnees permettant d'etablir des certificats electroniques de valeur fixe
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