CN101295383A - Application method of payment gateway settlement scheme in electronic commerce website - Google Patents
Application method of payment gateway settlement scheme in electronic commerce website Download PDFInfo
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- CN101295383A CN101295383A CNA2008100290013A CN200810029001A CN101295383A CN 101295383 A CN101295383 A CN 101295383A CN A2008100290013 A CNA2008100290013 A CN A2008100290013A CN 200810029001 A CN200810029001 A CN 200810029001A CN 101295383 A CN101295383 A CN 101295383A
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- 238000000034 method Methods 0.000 claims description 20
- 238000007726 management method Methods 0.000 claims description 13
- 230000005540 biological transmission Effects 0.000 abstract description 4
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Abstract
The invention discloses a payment gateway solution, which pertains to the field of e-commerce network selling. The invention provides a unified online transaction payment platform to merchants which develop the e-commerce. The system defines an open interface for a merchant system, and the merchant system can use a plurality of existing popular bank payment systems to complete the online transactions by the interface without being designed aiming at each bank payment system. The system simultaneously provides the complete merchant background management function. The transmission safety control means of the online transactions of the system adopts the SSL (Secure Socket Layer) transmission encryption standard. The flow chart is shown in an attached figure.
Description
Technical field
The present invention relates to the application process of a kind of payment gateway settlement scheme in e-commerce website, specifically be applied to various bank cards in the electronic commerce network sales platform or other pays the online payment core technology interface of means by mails.
Technical background
Along with day by day popularizing of internet, the notion of ecommerce begins to be accepted by increasing people, and shopping online has become an important channel of people's consumption gradually.In the shopping behavior in daily life, people can pass through cash, and bank card is perhaps write form such as check and paid, and buyer and seller conclude the business face-to-face, and the payment behavior is implemented to come into force; And in shopping at network, the buyer can not meet with the seller, and mutual trust can not very fast foundation, cashes on delivery or money all can not become the main flow means of payment of network selling to delivery.Therefore how to set up buyer and seller mutual trust, the modes of payments is in time quick, the major issue that the network payment platform that security performance is high has just become shopping online to solve.
In recent years, each domestic big bank begins to open electronic banking one after another.The client can manage the bank account of oneself on the net, Transaction Inquiries, and Pay Bill, and carry out consumption online.Electronic banking has promoted developing rapidly of domestic shopping online for shopping online provides the conveniently modes of payments.In order to accept the bank card payment of each bank on the website of oneself, shopping website need become the trade company of bank, and signs trade company's agreement with bank, opens the business of network payment.Bank is just for this trade company opens the network payment interface, and the Payment Methods of this bank will appear at website user's the payment page.In this way, shopping website needs to provide the bank of electronic payment mode to sign an agreement with each family and open interface., along with the bank that opens electronic banking increases rapidly, reach more than tens families now, the bank card that the consumer online held is of a great variety, and they wish that also shopping website can provide bank card interface as much as possible.So and each tame bank signs an agreement respectively and opens payment interface and will become a job that takes time and effort.Under such background, the universal payment gateway that can integrate each bank card payment interface has just become pressing for of shopping at network.Payment gateway is connected the online financial institution of the merchant website on the Internet and many families, for the website of trade company provides interface to be connected to the online website of each big bank, for various ecommerce affiliates provide the charge platform of online payment, make client utilize the mode of online payment to buy the commodity of trade company.By using payment gateway to make that e-commerce website need not to sign an agreement one by one with each tame bank again, debugging interface only needs unified and payment gateway provider sets up single payment interface, and is fast convenient.And the payment gateway trading volume is far longer than independent e-commerce website, and based on this special advantages, it is preferential to obtain more rate from bank, and with the very big preferential use trade company that feeds back to payment gateway.
Summary of the invention
The invention provides the payment gateway settlement scheme in a kind of e-commerce website.It provides unified online transaction payment platform for the trade company that carries out ecommerce.This system definition the open interface of and commerce system, commerce system just can use by this interface and numerously have popular bank payment systems now and finish online transaction, and needn't design at the payment system of bank of every family.Simultaneity factor also provides perfect businessman's back-stage management function.
In order to ensure the security of online transaction, the transmission security control device of online transaction adopts SSL (SecureSocket Layer), and SSL is a kind of INTERNET transmission encryption standard that is widely used.The browser of client uses the https agreement when sending the CGI request, the result that request that the useful https of institute sends and Web Server return can use the SSL encryption automatically.
This method comprises two kinds of interface implementations:
1: the interface implementation of non real-time notice trade company payment result;
2: the interface implementation of real-time informing trade company payment result;
(1) the interface implementation of non real-time notice trade company payment result:
The user selects commodity or the service that will buy, and goes to pay after having imported distribution information such as Shipping Address, contact method in the webpage of merchant web site, and Web system of trade company generates corresponding order, and allows the user confirm.When the user clicks " payment " behind the button in the acknowledgement of orders page, the bank that forwards the payment gateway system to be selected on the page, behind the draw bank that the user selects to use, payment gateway sends pay warrant to WEB system of corresponding bank; After the intact Payment Request of the WEB of bank system handles the result is returned payment gateway, payment gateway is to return results loopback user payment result page after respective handling, detailed process, as shown in Figure 3.
(2) the interface implementation of real-time informing trade company payment result:
Some trade company wishes can control from WEB system of bank after the user finishes payment process and goes back to WEB system of trade company automatically, and WEB system of trade company can return user's payment result in real time.In order to address this problem, require WEB system of trade company that a payment result notification command must be provided.Payment gateway is after receiving the pay warrant that the acknowledgement of orders page or leaf sends, carry out delivery operation earlier, call the payment result notification command of WEB system of trade company then, WEB system of payment result notice trade company, obtain the payment result page (generating) that WEB system of trade company generates simultaneously by the payment result notification command.At last, payment gateway system handle is returned user's browser by the payment result page or leaf of the payment result notification command generation of WEB system of trade company.The visible Fig. 4 of flow process.
Description of drawings
Fig. 1 is the process of purchase figure of payment gateway.
Fig. 2 is to use the operation workflow figure of payment gateway.
Fig. 3 is the interface implementation process flow diagram of non-real-time informing trade company payment result.
Fig. 4 is the interface implementation process flow diagram of real-time informing trade company payment result.
Embodiment
Below in conjunction with accompanying drawing, the invention will be further described.
Fig. 1 is the process of purchase figure of consumer on the ecommerce shopping website.The individual consumer enters the merchant website of payment gateway and browses, and selects product to place an order.After purchase was finished, the consumer entered into the payment page of commodity, and the consumer can select the mode of on-line payment, perhaps traditional Payment Methods such as remittance (if businessman provides).Select after the online modes of payments, the consumer promptly enters bank's tabulation of opening the online payment business, and the consumer therefrom selects the draw bank of oneself.After draw bank had been selected, webpage will enter into Web bank's payment page of this bank and pay the bill.The consumer confirms turnover, confirms to submit to after institute's product of purchasing is all no problem and carries out online payment.Web bank then shows the payment affirmation, consumer's personal information, and the information of the product of purchasing, payment information will be sent to the management backstage of merchant website, deliver to the client after the customer service personnel of wait e-commerce website handle.
Fig. 2 is to use the operation workflow figure of payment gateway.Numeral among the figure has illustrated the function that connects between the flow process, and is specific as follows:
1. the individual consumer logins merchant website, selects to buy commodity, submits in merchant website and buys order, and select on-line payment.
2. merchant website is submitted the on-line payment request to gateway, and is transferred to payment gateway.
3. on the payment gateway page, select oneself suitable draw bank card, enter the bank paying page after the click " determining ".
4. fill in the operation of paying of relevant account number and password by the consumer on bank's page, by bank examination consumption online person's paying ability, implementation is freezed, is detained account or remits account.
5. by bank the on-line payment status information is sent to individual consumer and payment gateway.
6. trade company's login background management system inquiry obtains the order payment result in real time.
7. businessman gives consumption online person's delivery or service is provided according to successful order.
8. associated bank transfers settlement fund on the bank account of company under the payment gateway.
9. payment gateway regularly transfers collection trusted appointed bank of businessman account by agreement, for businessman carries out capital settlement.
Fig. 3 is the interface implementation process flow diagram of non-real-time informing trade company payment result.
The user selects commodity or the service that will buy, and goes to pay after having imported distribution information such as Shipping Address, contact method in the webpage of merchant web site, and Web system of trade company generates corresponding order, and allows the user confirm.Sequence information generally comprises: order number, trade date, item quantity, total price, purchaser's name, Shipping Address, telephone number, contact Email etc., confirm that webpage generally comprises: order contents and payment button.
When the user clicks " payment " behind the button in the acknowledgement of orders page, the bank that forwards the payment gateway system to be selected on the page, behind the draw bank that the user selects to use, payment gateway sends pay warrant to WEB system of corresponding bank; After the intact Payment Request of the WEB of bank system handles the result is returned payment gateway, payment gateway is to return results loopback user payment result page after respective handling.
In this interface implementation, the payment result page does not need to obtain information about user's payment result from the management system of trade company.When generating user's order, user's the information and the information of purchase have been sent to the WEB management system of trade company.Payment gateway only need with payment whether the successful information management system that turns back to trade company get final product.If successful payment, this order is with processed and wait shipment.
Fig. 4 is the interface implementation process flow diagram of real-time informing trade company payment result.
Some trade company wishes can control from WEB system of bank after the user finishes payment process and goes back to WEB system of trade company automatically, and WEB system of trade company can obtain user's payment result in real time.Such as, the trade company that sells digital product, under the payment case of successful, the result page of trade company can also comprise the information products that the user buys except that comprising the successful announcement information of payment.
In order to address this problem, require WEB system of trade company that a payment result notification command must be provided.Payment gateway is after receiving the pay warrant that the acknowledgement of orders page or leaf sends, carry out delivery operation earlier, call the payment result notification command of WEB system of trade company then, WEB system of payment result notice trade company, obtain the payment result page (generating) that WEB system of trade company generates simultaneously by the payment result notification command.At last, payment gateway system handle is returned user's browser by the payment result page or leaf of the payment result notification command generation of WEB system of trade company.
In this interface implementation, the payment result page need obtain information about user's payment result from the management system of trade company.For example the relevant information of electronic product that the user buys should directly offer the user after the user-pay success.Perhaps businessman wishes to show personalized information on the successful payment page, and these informational needs obtain from the WEB server of trade company.In this case, payment gateway just needs the real-time payment result with the user to send to the management system of trade company, and obtains relevant information from the management system of trade company.
Claims (3)
- The application process of 1 payment gateway settlement scheme in e-commerce website, it provides unified online transaction payment platform for the trade company that carries out ecommerce.It is characterized in that defining the open interface of and commerce system, commerce system just can use by this interface and numerously have popular bank payment systems now and finish online transaction, and needn't design at the payment system of bank of every family.Simultaneity factor also provides perfect businessman's back-stage management function.This payment gateway settlement scheme comprises following two kinds of interface implementations:(1) the interface implementation of non real-time notice trade company payment result, user's payment result page directly are presented on the webpage and need not to obtain payment result information from trade company's management system.(2) the interface implementation of real-time informing trade company payment result, user's payment result at first turn back to trade company's management system and obtain the relevant information of payment result, and payment result and relevant information thereof are shown on the webpage by trade company's management system again.
- 2 payment gateway settlement schemes according to claim 1 is characterized in that:In the interface implementation of non real-time notice trade company payment result:The user selects commodity or the service that will buy, and goes to pay after having imported distribution information such as Shipping Address, contact method in the webpage of merchant web site, and Web system of trade company generates corresponding order, and allows the user confirm.When the user clicks " payment " behind the button in the acknowledgement of orders page, the bank that forwards the payment gateway system to be selected on the page, behind the draw bank that the user selects to use, payment gateway sends pay warrant to WEB system of corresponding bank; After the intact Payment Request of the WEB of bank system handles the result is returned payment gateway, payment gateway is to return results loopback user payment result page after respective handling.
- 3 payment gateway settlement schemes according to claim 1 is characterized in that:In the interface implementation of real-time informing trade company payment result:WEB system of trade company must provide a payment result notification command.Payment gateway is after receiving the pay warrant that the acknowledgement of orders page or leaf sends, carry out delivery operation earlier, call the payment result notification command of WEB system of trade company then, WEB system of payment result notice trade company, obtain the payment result page (generating) that WEB system of trade company generates simultaneously by the payment result notification command.At last, payment gateway system handle is returned user's browser by the payment result page or leaf of the payment result notification command generation of WEB system of trade company.
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2008100290013A CN101295383A (en) | 2008-06-25 | 2008-06-25 | Application method of payment gateway settlement scheme in electronic commerce website |
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| CNA2008100290013A CN101295383A (en) | 2008-06-25 | 2008-06-25 | Application method of payment gateway settlement scheme in electronic commerce website |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102013064A (en) * | 2009-09-04 | 2011-04-13 | 宁波国际物流发展股份有限公司 | Online payment method based on electronic commerce platform |
| CN102646238A (en) * | 2011-02-16 | 2012-08-22 | 苏州同程旅游网络科技有限公司 | Internet-based payment channel integrating method |
| CN102754114A (en) * | 2009-09-15 | 2012-10-24 | 网络安全创新有限责任公司 | Facilitating e-commerce payments using non-accepted customer payment methods |
| CN103034954A (en) * | 2011-10-09 | 2013-04-10 | 阿里巴巴集团控股有限公司 | Generation method of electronic order forms, sending method, equipment and system of order form information |
| CN103839156A (en) * | 2014-03-20 | 2014-06-04 | 上海讯联数据服务有限公司 | Method for displaying checkout counter page based on page skip payment in online payment |
| CN104299132A (en) * | 2014-09-05 | 2015-01-21 | 江苏维罗可思信息科技有限公司 | Uniform payment gateway |
| CN104574053A (en) * | 2015-01-26 | 2015-04-29 | 深圳市卡控科技有限公司 | KaBao single-purpose prepayment electronic value card payment method and system |
| CN105184554A (en) * | 2015-08-21 | 2015-12-23 | 广州博鳌纵横网络科技有限公司 | On-line transaction method for intellectual property |
| CN105408925A (en) * | 2013-06-20 | 2016-03-16 | 微软技术许可有限责任公司 | Extensible interface for synchronous and asynchronous payment |
| CN105427093A (en) * | 2015-12-29 | 2016-03-23 | 宁波博赢环深互联网科技有限公司 | Order account payment system applied to electronic commerce |
| CN106022745A (en) * | 2016-05-20 | 2016-10-12 | 中山市厚源电子科技有限公司 | Multi-interface online payment technology |
| CN106779632A (en) * | 2016-12-21 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | According to the method and apparatus that control category information selects payment gateway |
| CN107203302A (en) * | 2016-03-17 | 2017-09-26 | 阿里巴巴集团控股有限公司 | A kind of page display method and device |
| CN108604337A (en) * | 2015-12-31 | 2018-09-28 | 乔纳森·A·克拉克 | Electronic systems for routing market transactions |
| CN110348832A (en) * | 2019-06-26 | 2019-10-18 | 交通银行股份有限公司 | B2C online payment gateway adapter, system, adaptation and method of payment |
| CN110348965A (en) * | 2019-07-11 | 2019-10-18 | 湖北健德长运健康产业股份有限公司 | Quantitative transaction system between a kind of client and trade company |
-
2008
- 2008-06-25 CN CNA2008100290013A patent/CN101295383A/en active Pending
Cited By (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102013064A (en) * | 2009-09-04 | 2011-04-13 | 宁波国际物流发展股份有限公司 | Online payment method based on electronic commerce platform |
| CN102754114A (en) * | 2009-09-15 | 2012-10-24 | 网络安全创新有限责任公司 | Facilitating e-commerce payments using non-accepted customer payment methods |
| CN102646238A (en) * | 2011-02-16 | 2012-08-22 | 苏州同程旅游网络科技有限公司 | Internet-based payment channel integrating method |
| CN103034954A (en) * | 2011-10-09 | 2013-04-10 | 阿里巴巴集团控股有限公司 | Generation method of electronic order forms, sending method, equipment and system of order form information |
| CN105408925A (en) * | 2013-06-20 | 2016-03-16 | 微软技术许可有限责任公司 | Extensible interface for synchronous and asynchronous payment |
| US11301822B2 (en) | 2013-06-20 | 2022-04-12 | Microsoft Technology Licensing, Llc | Extensible interface for synchronous and asynchronous payment |
| CN103839156A (en) * | 2014-03-20 | 2014-06-04 | 上海讯联数据服务有限公司 | Method for displaying checkout counter page based on page skip payment in online payment |
| CN104299132A (en) * | 2014-09-05 | 2015-01-21 | 江苏维罗可思信息科技有限公司 | Uniform payment gateway |
| CN104574053A (en) * | 2015-01-26 | 2015-04-29 | 深圳市卡控科技有限公司 | KaBao single-purpose prepayment electronic value card payment method and system |
| CN105184554A (en) * | 2015-08-21 | 2015-12-23 | 广州博鳌纵横网络科技有限公司 | On-line transaction method for intellectual property |
| CN105427093A (en) * | 2015-12-29 | 2016-03-23 | 宁波博赢环深互联网科技有限公司 | Order account payment system applied to electronic commerce |
| CN108604337A (en) * | 2015-12-31 | 2018-09-28 | 乔纳森·A·克拉克 | Electronic systems for routing market transactions |
| CN107203302A (en) * | 2016-03-17 | 2017-09-26 | 阿里巴巴集团控股有限公司 | A kind of page display method and device |
| CN107203302B (en) * | 2016-03-17 | 2021-01-01 | 创新先进技术有限公司 | Page display method and device |
| CN106022745A (en) * | 2016-05-20 | 2016-10-12 | 中山市厚源电子科技有限公司 | Multi-interface online payment technology |
| CN106779632A (en) * | 2016-12-21 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | According to the method and apparatus that control category information selects payment gateway |
| CN110348832A (en) * | 2019-06-26 | 2019-10-18 | 交通银行股份有限公司 | B2C online payment gateway adapter, system, adaptation and method of payment |
| CN110348965A (en) * | 2019-07-11 | 2019-10-18 | 湖北健德长运健康产业股份有限公司 | Quantitative transaction system between a kind of client and trade company |
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Open date: 20081029 |