CN103827903A - Internet payment method and system - Google Patents

Abstract

The invention discloses an internet payment method comprising the steps: an internet payment server receives payee account information sent from a payee, and sends the payee account information to a second type bank server in dependence on a receiving bank name in the payee account information; the second type bank server sends the payee account information to a first type bank server; the payee can sends a payment request to the first type bank server through the internet payment server; and the first type bank server receives the payment request and pays in dependence on the payment request. The invention discloses an internet payment system. By implementing the above internet payment method and system, for buyers, only fund is frozen, the fund does not need to be paid out, the funding risks are reduced, and benefits of buyer clients are guaranteed.

Description

A method and system for utilizing network payment

technical field

The invention relates to the field of electronic commerce, in particular to a method and system for utilizing network payment.

Background technique

E-commerce has been more and more widely used in various commercial trade activities. The so-called e-commerce refers to the online shopping of consumers based on browser and server applications in commercial trade activities under the open network environment of the Internet. It is a business operation mode of online transactions and online electronic payments between merchants, as well as various business activities, transaction activities, financial activities and related comprehensive service activities.

Now, the credit bottleneck in the settlement process of online electronic payment (network payment) is always an obstacle in the development of e-commerce (network transaction). Among the current online electronic payment methods, the risk is relatively small in the form of third-party payment company guarantee. However, in the form of third-party payment company guarantee, for buyers and customers, their funds have been paid to the third-party payment company before receiving the goods. Once there is a problem with the third-party payment company, the funds of buyers and customers must be Therefore, in the form of third-party payment company guarantee, the financial risk of buyers and customers is still relatively large.

Contents of the invention

The purpose of the present invention is to provide a method and system for utilizing network payment, aiming to solve the problem of relatively large capital risk of buyers and clients existing in the existing network payment.

The present invention is achieved in this way, a method for utilizing network payment, comprising:

The network payment server receives the payee's account information sent from the payee, and sends the payee's account information to the second type of bank server according to the payee's bank name in the payee's account information;

The second type bank server sends the payee account information to the first type bank server;

The payee can send a payment request to the first type bank server through the network payment server;

The first type bank server receives the payment request, and makes a payment according to the payment request.

Preferably, the network payment server receives the payee's account information sent from the payee, and sends the payee's account information to the second type of bank according to the payee's bank name in the payee's account information Before the server, also include:

The network payment server receives the payment request instruction, and sends the payment request instruction to the first type bank server;

After receiving the payment request instruction, the first type bank server generates a valid promised payment information packet, and sends the promised payment information packet to the network payment server;

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.

Preferably, after the second type bank server sends the payee account information to the first type bank server, it further includes:

The network payment server notifies the payee that the goods can be delivered, and the payee sends the delivered information to the first type bank server through the network payment server;

The logistics server sends the information that the waybill has been signed 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. The state commitment payment information data packet is fed back to the network payment server.

Preferably, the payee can send a payment request to the first type bank server through the network payment server, specifically:

When the status information in the promised payment information data packet is signed, the payee can send a payment request to the first-type bank server through the network payment server.

Preferably, the network payment server receives the payee's account information sent from the payee, and sends the payee's account information to the second type of bank according to the payee's bank name in the payee's account information Before the server, also include:

The network payment server generates the number of the promised payment information data packet, and stores the generated number of the promised payment information data packet in the database.

Preferably, the promised payment information data package includes the amount of frozen funds, frozen account information and status information.

Preferably, the number of the promised payment information data package includes the payment bank name information, payment amount, and payer information.

Another object of the present invention is to provide a system utilizing network payment, including:

The network payment server is connected to the first type bank server and the second type bank server, and is used to receive the payee account information sent from the payee, and according to the payee bank name in the payee account information, Sending the payee account information to the second type bank server; also used to send a payment request to the first type bank server;

The first type bank server is used to receive the payee account information sent from the second type bank server; it is also used to receive the payment request sent from the network payment server, and make payment according to the payment request;

The second type bank server is configured to receive the payee account information sent from the network payment server, and send the payee account information to the first type bank server.

Preferably, it also includes:

The network payment server is also used to receive the payment request instruction, and send the payment request instruction to the first type bank server; it is also used to receive the promised payment information data packet sent from the first type bank server, and send the promised payment The information data packet is sent to the first type of client terminal;

The first type of bank server is also used to receive the payment request instruction, generate a valid promised payment information data packet, and send it to the network payment server;

The first type of client terminal is configured to receive the promised payment information data packet and forward it to the second type of client terminal.

Preferably, it also includes:

The network payment server is connected to the second client terminal, and is also used to notify the payee through the second client terminal that the payee can deliver goods, receive the delivered information sent from the second client terminal, and send the delivered information To the first type of bank server, receive the signed receipt information of the waybill sent from the logistics server, and send the signed receipt information of the waybill to the first type of bank server;

The second client terminal is used to receive the information notifying the payee that the payee can deliver the goods sent from the network payment server, and send the delivered information to the network payment server;

The logistics server is connected to the network payment server, and is used to send the information that the waybill has been signed to the network payment server;

The first type of bank server is also used to receive the delivered information and the signed information of the waybill, respectively update the status of the promised payment information data packet, and feed back the promised payment information data packet in the signed state to the network payment server.

Preferably, it also includes:

The second client terminal is also used 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 bank server.

Preferably, it also includes:

The network payment server is also used to generate the number of the promised payment information data packet, and store the generated number of the promised payment information data packet in the database.

Preferably, the promised payment information data package includes the amount of frozen funds, frozen account information and status information.

Preferably, the number of the promised payment information data package includes the payment bank name information, payment amount, and payer information.

Implementing the above embodiments, the network payment method and system provided by the present invention, for the buyer, only freezes the funds without paying the funds, which can reduce the risk of funds and protect the interests of buyers and customers.

Description of drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those skilled in the art, other drawings can also be obtained according to these drawings without any creative effort.

Fig. 1 is a schematic structural diagram of a system utilizing network payment according to an embodiment of the present invention;

Fig. 2 is a schematic structural diagram of another embodiment of a system utilizing network payment in the present invention;

Fig. 3 is a schematic flow chart 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 in the present invention;

Fig. 5 is a schematic flowchart of another embodiment of a method for utilizing network payment in the present invention.

Detailed ways

In order to make the technical problems, technical solutions and beneficial effects to be solved by the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments.

Please refer to the schematic structural diagram of a system utilizing network payment shown in Fig. 1 according to an embodiment of the present invention, including:

The network payment server 101 is connected with the first type bank server 102 and the second type bank server 103, and is used for receiving the payee account information sent from the payee, and according to the payee bank name in the payee account information , to send the payee account information to the second type bank server 103; and also to send a payment request to the first type bank server 102.

The first type bank server 102 is used to receive the payee account information sent from the second type bank server 103; it is also used to receive the payment request sent from the network payment server 101, and make payment according to the payment request.

The second type bank server 103 is configured to receive the payee account information sent from the network payment server 101 , and send the payee account information to the first type bank server 102 .

Implementing the above-mentioned embodiments, the network payment system provided by the present invention only freezes funds for buyers without paying out funds, which can reduce capital risks and protect the interests of buyers and customers.

Please refer to Fig. 2 for a schematic structural diagram of another system utilizing network payment according to an embodiment of the present invention, including:

The network payment server 201 is connected with the first type bank server 202, the second type bank server 203, the first client terminal 204, and the second client terminal 205 with the logistics server 206, and is used to receive payment from the payee According to the payee bank name in the payee account information, the payee account information is sent to the second type bank server 203; it is also used to send a payment request to the first type bank server 202; It is used to receive the payment request instruction, and send the payment request instruction to the first type bank server 202; it is also used to receive the promised payment information data packet sent from the first type bank server 202, and send the promised payment information data packet to The first type client terminal 204; Also be used for notifying the payee to deliver goods by the second client terminal 205, receive the delivered information sent from the second client terminal 205, and send the delivered information to the first The type bank server 202 receives the information that the waybill has been signed for sent from the logistics server 206 or the first client terminal 204 , and sends the information that the waybill has been signed for to the first type bank server 202 .

Specifically, the network payment server 201 is further configured to generate the number of the promised 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 also used to receive the payee account information sent from the second client terminal 205 , and send the payer account information to the second type bank server 203 .

The first type bank server 202 is used to receive the payee account information sent from the second type bank server 203; it is also used to receive the payment request sent from the network payment server 201, and to pay according to the payment request; it is also used to receive payment Request instruction, generate effective promised payment information data package, send to network payment server 201; Also be used for receiving delivered information and waybill already signed information, update described promised payment information data package status respectively, and will sign for the status The promised payment information data packet is fed back to the network payment server 201.

The second type bank server 203 is configured to receive the payee account information sent from the network payment server 201 and send the payee account information to the first type bank server 202 .

The first-type client terminal 204 is configured to receive the promised payment information data packet and forward it to the second-type client terminal 205 .

The second type of client terminal 205 is used to receive the information notifying the payee that the payee can deliver goods sent from the network payment server 201 , and send the delivered information to the network payment server 201 ; it is also used to send a payment request to the network payment server 201 .

Specifically, the payment request is sent to the network payment server 201 only after the status information in the promised payment information data packet has changed to a signed-for status.

The logistics server 206 is configured to send the information that the waybill has been signed to the network payment server 201 .

Specifically, after the payer signs for the goods, the first client terminal may send information that the waybill has been signed to the logistics server 206 . The first client terminal 204 can also replace the logistics server 206 and send the information that the waybill has been signed to the network payment server 201 .

Implementing the above-mentioned embodiments, the network payment system provided by the present invention only freezes funds for buyers without paying out funds, which can reduce capital risks and protect the interests of buyers and customers.

Please refer to FIG. 3 for a schematic flowchart of a method for utilizing network payment according to an embodiment of the present invention, including:

Step S301: The network payment server receives the payee's account information from the payee, and sends the payee's account information to the second type of bank server according to the payee's bank name in the payee's account information.

Step S302: the second type bank server sends the payee account information to the first type bank server.

Step S303: The payee may send a payment request to the first type bank server through the network payment server.

Step S304: the first type bank server receives the payment request, and makes payment according to the payment request.

Implementing the above-mentioned embodiments, the online payment method provided by the present invention, for buyers, only freezes the funds and does not need to pay out the funds, which can reduce capital risks and protect the interests of buyers and customers.

The following is a schematic flow diagram of another embodiment of a method for utilizing network payment according to the present invention shown in FIG. 4 , and 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 bank server according to the name of the paying bank.

Specifically, the payment request instruction includes the payment bank name and amount information.

Step S402: After receiving the payment request instruction, the first type bank server generates a valid promised payment information packet, and sends the promised payment information packet to the network payment server.

Specifically, the effective promised payment information data package includes the amount of frozen funds, frozen account information and status information; it may also include currency information, account opening bank information, issuance date, validity period information, etc.

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's account information from the payee, and sends the payee's account information to the second type of bank server according to the payee's bank name in the payee's account information.

Specifically, the payee can send the serial number and the payee account information in the promised payment information packet to the network payment server through the second type of client terminal, which can be smart devices such as mobile phones, personal computers, and PADs. . The payee and payee can be the same subject or different subjects.

Step S405: the second type bank server sends the payee account information to the first type bank server.

Step S406: the network payment server notifies the payee that the goods can be delivered, and the payee sends the delivery information to the first type bank server through the network payment server.

Step S407: The logistics server sends the information that the waybill has been signed to the first-type bank server through the network payment server, and the first-type bank server updates the status information of the promised payment information data packet, which is now signed. 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: When the status information in the promised payment information data packet is signed, the payee can send a payment request to the first-type bank server through the network payment server.

Step S409: the first type bank server unfreezes the frozen funds, and transfers the funds to the second type bank server.

Implementing the above-mentioned embodiments, the online payment method provided by the present invention, for buyers, only freezes the funds and does not need to pay out the funds, which can reduce capital risks and protect the interests of buyers and customers.

The following is a schematic flowchart of another embodiment of a method for utilizing network payment according to the present invention shown in FIG. 5 , the method steps include:

Step S501: The payer sends a payment request instruction to the network payment server through the first type of client terminal, and the payment request instruction includes the payment bank name and payment amount information.

Specifically, the first type of client terminal includes smart devices such as mobile phones, personal computers, and PADs.

Step S502: The network payment server receives the payment request instruction, and sends the payment request instruction to the first type bank server according to the name of the paying bank.

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 bank server checks the account information, if the account information is correct, proceed to step S505, if the account information is incorrect, return an error prompt to the network payment server.

Step S505: Freeze the account and the amount on the account, generate a valid promised payment information packet, and send the approval information to the network payment server.

Specifically, the promised payment information data package includes the amount of frozen funds, frozen account information and status information. At this point, the status information is issued.

Step S506: The network payment server receives the approval information, generates the number of the promised payment information data packet, and stores the generated number of the promised payment information data packet in the database.

Specifically, the number of the promised payment information data packet is an indication of the promised payment information data packet. The number format of the promised payment information data package can be "China Merchants Bank Bank Letter Certificate*500.00RMB*Zhang San", where China Merchants Bank is the name of the paying bank, Bank Letter Letter is the name of the data package, 500.00RMB is the payment amount, and Zhang San is Payer information, the number can be freely combined with the above information.

Step S507: the first type bank server sends the promised payment information data packet to the network payment 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's account information from the payee, and sends the payee's account information to the second type of bank server according to the payee's bank name in the payee's account information; specifically, The payee can send the number and payee account information in the promised payment information packet to the network payment server through the second type of client terminal, which can be smart devices such as mobile phones, personal computers, and PADs. The payee and payee can be the same subject or different subjects. The payee account information includes the name of the beneficiary bank, the beneficiary account information, etc.

Step S510: the second type bank server checks the payee's account information, if the account information is correct, proceed to step S511, if the account information is incorrect, return an error prompt to the network payment server.

Step S511: the second type bank server sends the payee account information to the first type bank server.

Step S512: The first type of bank server updates the status information of the promised payment information data package, and the status information is the status of the designated payee at this time.

Step S513: the network payment server notifies the payee that the goods can be delivered, and the payee sends the delivery information to the first type bank server through the network payment server.

Step S514: The first type of bank server updates the status information of the promised payment information data packet according to the delivered information, and the status information at this time is the delivered status.

Step S515: The logistics system sends the information that the waybill has been signed to the first-type bank server through the network payment server, and the first-type bank server updates the status information of the promised payment information data packet, which is now signed. The first type of bank server feeds back the promised payment information data packet in the signed state to the network payment server.

Step S516: The payee can send a payment request to the first type bank server through the network payment server.

Specifically, when the network payment server receives the promised payment information packet in the signed state, it can support the payee to send a payment request to the first type of bank server

Step S517: the first type bank server unfreezes the frozen funds, and transfers the funds to the second type bank server.

Implementing the above-mentioned embodiments, the online payment method provided by the present invention, for buyers, only freezes the funds and does not need to pay out the funds, which can reduce capital risks and protect the interests of buyers and customers.

It should be noted that, through the description of the above embodiments, those skilled in the art can clearly understand that the present invention can be implemented by means of software plus a necessary hardware platform, and of course can also be implemented entirely by hardware. Based on this understanding, all or part of the contribution made by the technical solution of the present invention to the background technology can be embodied in the form of software products, and the computer software products can be stored in storage media, such as ROM/RAM, magnetic disks, optical disks, etc. , including several instructions to make a computer device (which may be a personal computer, a server, or a network device, etc.) execute the methods described in various embodiments or some parts of the embodiments of the present invention.

What is disclosed above is only a preferred embodiment of the embodiments of the present invention, which certainly cannot limit the scope of the present invention. Therefore, equivalent changes made according to the claims of the present invention still fall within the scope of the present invention.

Claims (14)

1. a method of utilizing network payment, is characterized in that, comprising:

Network payment server receives account payee's information of sending from beneficiary, according to the receiving bank's title in account payee's information, account payee's information is sent to Second Type bank server;

Account payee's information is sent to first kind bank server by Second Type bank server;

Beneficiary can be by network payment server to first kind bank server payment request;

First kind bank server receives payment request, according to this payment request payment.

2. the method for claim 1, it is characterized in that, receive account payee's information of sending from beneficiary at described network payment server, according to the receiving bank's title in account payee's information, before account payee's information is sent to Second Type bank server, also comprise:

Network payment server receives and pays request instruction, and described payment request instruction is issued to first kind bank server;

First kind bank server receives after described payment request instruction, generate and effectively promise to undertake payment information packet, and by described promise payment information Packet Generation to network payment server;

Network payment server by described promise payment information Packet Generation to paying party, paying party by described promise payment information package forward to beneficiary.

3. method as claimed in claim 2, is characterized in that, after account payee's information is sent to first kind bank server by described Second Type bank server, also comprises:

Network payment server notification beneficiary can be delivered, and beneficiary sends shipped information by network payment server to first kind bank server;

Logistics service device sends waybill by network payment server to first kind bank server and has signed for information, first kind bank server upgrades the status information of promising to undertake payment information packet, now status information is for signing for state, and the promise payment information packet of signing for state is fed back to network payment server by first kind bank server.

4. method as claimed in claim 3, is characterized in that, described beneficiary can, by network payment server to first kind bank server payment request, be specially:

When status information in described promise payment information packet is for signing for after state, beneficiary can be by network payment server to first kind bank server payment request.

5. method as claimed in claim 4, it is characterized in that, receive account payee's information of sending from beneficiary at described network payment server, according to the receiving bank's title in account payee's information, before account payee's information is sent to Second Type bank server, also comprise:

Network payment server generates the numbering of promising to undertake payment information packet, and the numbering of the promise payment information packet of generation is stored in database.

6. the method as described in claim 2, is characterized in that, described promise payment information packet comprises the amount of money of blocked funds, the accounts information freezing and status information.

7. method as claimed in claim 5, is characterized in that, the numbering of described promise payment information packet comprises paying bank's name information, payment, payer information.

8. a system of utilizing network payment, is characterized in that, comprising:

Network payment server, be connected with Second Type bank server with first kind bank server, for receiving account payee's information of sending from beneficiary, according to the receiving bank's title in described account payee's information, described account payee's information is sent to Second Type bank server; Also for to first kind bank server payment request;

First kind bank server, for receiving the described account payee's information sending from Second Type bank server; Also for receiving the described payment request sending from network payment server, according to this payment request payment;

Second Type bank server, for receiving the described account payee's information sending from network payment server, and sends to first kind bank server by described account payee's information.

9. system as claimed in claim 8, is characterized in that, also comprises:

Network payment server, also for receiving payment request instruction, and issues first kind bank server by described payment request instruction; Also for receive from first kind bank server send promise payment information packet, by described promise payment information Packet Generation to first kind client terminal;

First kind bank server, also for receiving described payment request instruction, generates effectively promise payment information packet, sends to network payment server;

First kind client terminal, for receiving described promise payment information packet, and is transmitted to Second Type client terminal.

10. system as claimed in claim 9, is characterized in that, also comprises:

Network payment server, be connected with the second client terminal, also for delivering by the second client terminal notice beneficiary, receive the shipped information sending over from the second client terminal, and described shipped information is sent to first kind bank server, receive the waybill sending from logistics service device and signed for information, described waybill has been signed for to information and sent to first kind bank server;

The second client terminal, for receiving the information that can deliver from the notice beneficiary of network payment server transmission, sends shipped information to network payment server;

Logistics service device, is connected with network payment server, has signed for information for sending waybill to network payment server;

First kind bank server, has also signed for information for receiving described shipped information and described waybill, upgrades respectively described promise payment information packet state, and the promise payment information packet of signing for state is fed back to network payment server.

11. systems as claimed in claim 10, is characterized in that, also comprise:

The second client terminal, also for to network payment server payment request;

Network payment server, also for sending to first kind bank server described payment request.

12. systems as claimed in claim 11, is characterized in that, also comprise:

Network payment server, also for generating the numbering of promising to undertake payment information packet, and is stored in the numbering of the promise payment information packet of generation in database.

13. systems as described in claim 9, is characterized in that, described promise payment information packet comprises the amount of money of blocked funds, the accounts information freezing and status information.

14. systems as claimed in claim 12, is characterized in that, the numbering of described promise payment information packet comprises paying bank's name information, payment, payer information.

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