HK1203241B - Cloud service transaction payment system - Google Patents
Cloud service transaction payment system Download PDFInfo
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- HK1203241B HK1203241B HK15103745.5A HK15103745A HK1203241B HK 1203241 B HK1203241 B HK 1203241B HK 15103745 A HK15103745 A HK 15103745A HK 1203241 B HK1203241 B HK 1203241B
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Description
Technical Field
The present invention relates to an online payment transaction system, and more particularly, to a payment transaction system integrating cloud services.
Background
The current mechanism is: when a user logs in service contents of the carrier, a registered member account at the carrier is used, and thus, it is necessary for the user to re-register a new member account instead of following the user's existing account for using a new service. Although the existing platform business uses OpenID mechanism to provide member identification to make its members quickly log in and use other operators' services, few large-scale enterprises across countries are willing to provide services for exporting their members free of charge due to lack of mechanism for exporting members.
In the current payment transaction mechanism, the payment transaction is only carried out between an operator and a cloud platform, and an account provider which provides member export is not incorporated into the payment transaction mechanism, so that even if the account provider intentionally provides a member account which is operated for a long time for the operator to use, the account provider can only obtain account information provided by one side of the operator, and the account provider cannot carry out any verification, and further knows whether the consumption condition is real or not.
In such a situation, the account provider with a huge member is unwilling to introduce its member into the services of other operators, and the operators cannot ask for assistance from the account provider to expand the services. For the user, when using services of different operators, a new set of accounts needs to be registered again, and the excessive accounts cause unnecessary management troubles for the user.
In view of the above, the present invention provides a payment transaction system, which incorporates an account provider into a transaction flow of a cloud service, so as to obtain a true consumption and charge amount; the operator can introduce additional membership sources, and the user can also reduce the number of accounts to be managed, thereby creating a three-win effect.
Disclosure of Invention
The invention provides a payment transaction system integrating cloud services, which can enable a user to purchase various cloud service contents by only using a cloud account.
Another objective of the present invention is to provide a payment transaction system integrating cloud services, which can provide a transaction authentication mechanism between platforms in the system.
Another objective of the present invention is to provide a payment transaction system integrated with cloud services, which enables each platform in the system to split the charged fee according to a proportion.
To achieve the above object, the present invention provides a payment transaction system integrating cloud services, comprising:
at least one user terminal;
a trust credential platform configured in a first server and communicating with the user terminal via a network, the trust credential platform having a cloud service content providing unit, a service account generating unit, a first transaction control unit, and a first transaction record database, wherein the cloud service content providing unit is configured to allow any user terminal to select a cloud service content, the service account generating unit is configured to generate a service account according to a cloud account provided by any user terminal and according to an authentication result, wherein the service account is configured to log in the trust credential platform, and the first transaction control unit is configured to: any user terminal carries out a transaction program on the cloud service content, generates first transaction information according to the transaction program, and stores the first transaction information into the first transaction record database;
an identity recognition providing platform, configured in a second server and in communication with the trust credential platform and the user terminal via the network, the identity recognition providing platform having a cloud account authentication unit, a second transaction control unit, and a second transaction record database, wherein the cloud account authentication unit is configured to authenticate a cloud account inputted by any one of the user terminals to generate the authentication result, and the second transaction control unit is configured to: receiving the first transaction information of the trust voucher platform, displaying the first transaction information and identity information to allow a user terminal to perform a confirmation procedure to generate a first confirmation result, generating second transaction information by combining the first transaction information and the first confirmation result, storing the second transaction information into the second transaction record database, and sending the first confirmation result to the trust voucher platform; and
a cloud platform, configured in a third server and in communication with the trust credential platform, the identity recognition providing platform, and the user terminal through the network, wherein the cloud platform has a cloud service content selection unit, a transaction payment unit, a third transaction control unit, and a third transaction record database, wherein the cloud service content selection unit is configured to allow any one of the user terminals to select a cloud service content, the transaction payment unit is configured to allow any one of the user terminals to perform a financial payment procedure to generate third transaction information, the financial payment procedure is performed according to the second transaction information, and the third transaction information includes a financial payment information and a second confirmation result, and the third transaction control unit is configured to: receiving the second transaction information of the identity recognition providing platform, storing the third transaction information in the third transaction record database, and transmitting the second confirmation result to the trust certificate platform and the identity recognition providing platform.
In one embodiment, the cloud service content is a service content selected from the group consisting of games, social interactions, life information, movies, online shopping, online education, and music.
In one embodiment, the first transaction record database, the second transaction record database, and the third transaction record database each store transaction related information including identity, serial number, time, item, amount, and payment status as a basis for charge removal and reconciliation.
In one embodiment, the identity recognition providing platform and the trust credential platform, or the cloud platform and the trust credential platform, are based on a cooperative relationship, and are operable to split the charges obtained by the user terminal in a certain proportion.
In one embodiment, the identification providing platform and the cloud platform are used for billing the fees obtained by the user terminal in a certain proportion.
In one embodiment, the trust credential platform and the cloud platform are configured to account for the fees obtained by the user terminal in a certain proportion.
In one embodiment, the identity recognition providing platform, the trust credential platform, and the cloud platform are configured to split the charges obtained from the user terminal in a certain ratio.
In one embodiment, the cloud platform provides a service selected from the group consisting of point redemption, web swiping, web ATM, mobile phone micropayment, hypercompany collection, and account remittance.
Drawings
FIG. 1 is a block diagram of a payment transaction system integrated with cloud services according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating an account login process of the payment transaction system integrated with cloud services according to the present invention;
fig. 3 is a transaction payment flow chart of the payment transaction system integrated with the cloud service according to the present invention.
Detailed Description
In order that the objects, technical solutions and advantages of the present invention will become more apparent, the present invention will be further described in detail with reference to the accompanying drawings in conjunction with the following specific embodiments.
The technical spirit of the payment transaction system integrating the cloud service is as follows:
(1) having a cloud account login mechanism: it enables a user to log in a cloud service content provided by a trust credential platform by means of an authentication identity provided by an identity recognition providing platform without re-registration.
(2) Incorporating an identification provision platform into a transaction payment system: when a user utilizes a cloud account number provided by an identity recognition providing platform to consume in a cloud service content providing unit of a trust voucher platform, the system transmits a transaction request to the identity recognition providing platform, and guides the transaction request to a cash flow service of the cloud platform after the user confirms consumption information so as to ensure that the identity recognition providing platform can acquire the correct consumption amount of the user and finally can remove accounts according to the correct consumption amount.
(3) Having a transaction identity confirmation mechanism: it can use the certificate code transmitted to the ID providing platform to inquire and display the original account number of the user reversely, so as to let the user confirm whether to trade with an identity registered in the ID providing platform, and the following steps are carried out: whether the transaction contents such as the transaction order number, the time, the item, the amount, the state and the like are correct or not.
In accordance with the technical spirit, the present invention provides a payment transaction system integrating cloud services. Fig. 1 is a block diagram of a payment transaction system integrated with cloud services according to an embodiment of the present invention. As shown in fig. 1, the system includes a trust credential platform 100, an identity providing platform 200, at least one user terminal 300, and a cloud platform 400.
The trust certificate platform 100, which is implemented in a first server and communicates with the identity recognition platform 200, the user terminal 300, and the cloud platform 400 through a network, is an operator providing cloud service content, and includes a cloud service content providing unit 110, a service account number generating unit 120, a first transaction control unit 130, and a first transaction record database 140. The cloud service content refers to the relevant services and information provided by the trust credential platform 100 to the user terminal 300, such as life information, online education, movies, music, games, shopping, social contact …, etc.
The service account generation unit 120 is configured to generate a service account according to a cloud account provided by any one of the user terminals 300 and an authentication result of the identity recognition providing platform 200, where the service account is used for logging in the trust credential platform 100.
The first transaction control unit 130 is configured to: any user terminal 300 performs a transaction procedure on the cloud service content, generates a first transaction message according to the transaction procedure, transmits the first transaction message to the identity recognition providing platform 200, and stores the first transaction message in the first transaction record database 140, wherein the first transaction message includes the cloud service content, the transaction items, the transaction mode, and the identity information corresponding to the cloud account number. The transaction record database 140 is used to record transaction information including identity, serial number, time, item, amount and payment status for inquiry and reconciliation.
The identification providing platform 200 is implemented in a second server and communicates with the trust credential platform 100, the user terminal 300, and the cloud platform 400 through the network. The identification providing platform 200 has a cloud account number authentication unit 210, a second transaction control unit 220, and a second transaction record database 230.
The cloud account authentication unit 210 is configured to authenticate one cloud account input by any one of the user terminals 300 to generate the authentication result, and the second transaction control unit 220 is configured to: receiving said first transaction information of trust credential platform 100; displaying the first transaction information and an identity information for a user terminal 300 to perform a confirmation procedure to generate a first confirmation result (whether to confirm the transaction); combining the first transaction information and the first confirmation result to generate second transaction information; storing the second transaction information in a second transaction record database 230; and sending the first confirmation result to the trust credential platform 100. The second transaction record database 230 is used for recording transaction information including identity, bill number, time, item, amount and status for inquiry and reconciliation.
The user terminal 300 refers to a user terminal, which can log in and use the cloud service content through the cloud account and pay through the cloud platform 400.
The cloud platform 400 is implemented in a third server and communicates with the trust credential platform 100, the identity recognition providing platform 200, and the user terminal 300 through the network. The cloud platform 400 has a cloud service content selection unit 410, a transaction payment unit 420, a third transaction control unit 430, and a third transaction record database 440.
The cloud service content selecting unit 410 is configured to allow any one of the user terminals 300 to select one of the cloud service contents. In order to promote the cloud service content, the trust token platform 100 generally places the cloud service content in the cloud platform 400, so that more user terminals 300 can contact the cloud service content of the trust token platform 100.
The transaction payment unit 420 is used for any of the user terminals 300 to perform a financial payment process to generate third transaction information, wherein the financial payment process is performed according to the second transaction information, and the third transaction information includes financial payment information and a second confirmation result (whether payment is made or not). The transaction payment unit 420 may provide payment services such as point exchange, network card swipe, network ATM, mobile phone micropayment, super-merchant collection, account remittance, etc.
The third transaction control unit 430 is configured to: receive the second transaction information from the id providing platform 200, store the third transaction information in the third transaction record database 440, and transmit the second confirmation result to the trust platform 100 and the id providing platform 200. The contents recorded in the third transaction record database 420 include the identity, bill number, time, item, amount and payment status of the transaction information for inquiry and account checking.
Please refer to fig. 2, which is a flowchart illustrating an account login process of the payment transaction system integrated with the cloud service according to the present invention. As shown in fig. 2, the process includes: a user terminal enters a cloud platform (step 1 a); selecting a cloud service content on the cloud platform (step 1 b); entering a trust certificate platform to select an identity providing platform (step 1 c); directing an identity recognition providing platform to perform cloud account authentication (step 1 d); logging in the trust certificate platform with a service account (step 1 e); and accessing a cloud service content of the trust credential platform (step 1 f).
In the operation process, for example, the user terminal 300 selects the desired cloud service content S on the cloud platform 400, and wants to log in with a cloud account a of the identity recognition providing platform 200. The trust credential platform 100 requests authentication from the identification provision platform 200 and provides an account number, password or other required authentication information to the user terminal 300 for authentication. If the authentication is passed, the cloud account authentication unit 210 will generate a credential code B to the trusted platform 100, and if the authentication is not passed, the identification providing platform 200 will transmit a verification failure message to the trusted platform 100. The trust certificate platform 100 inquires that if a service account C meeting the certificate code B exists, the service is used through the service account C; if not, the service account generation unit 120 automatically generates a set of service accounts C corresponding to the credential code B for the user terminal 300 to use. For the trust credential platform 100, the credential code B may correspond to the service account number C; for the identity recognition platform 200, the credential code B may correspond to the cloud account a.
Please refer to fig. 3, which is a transaction payment flow chart of the payment transaction system integrated with the cloud service according to the present invention. As shown in fig. 3, the process includes: entering a cloud service content providing unit of a trust certificate platform to select a cloud service content (step 2 a); selecting transaction items and modes in the cloud service content (step 2 b); storing a first transaction message and directing to an identity recognition providing platform (step 2 c); the identification providing platform provides the first transaction information for the user to confirm so as to generate a second transaction information (step 2 d); storing the second transaction information and notifying the trust credential platform of a first validation result (step 2 e); determine whether the first confirmation result is continued? (step 2 f);
guiding a cloud platform to carry out financial payment (step 2 g); and storing a third transaction message and notifying the trust platform and the identity platform of a second confirmation result (step 2 h).
In the operation process, for example, a user terminal 300 logs in a trust certificate platform 100 with a service account number C and consumes in the cloud service content S provided by a cloud service content providing unit 110, after the user terminal 300 selects the desired transaction target, amount and payment mode in the transaction menu, a first transaction message comprising the cloud service content, transaction item, transaction mode of the transaction and identity information such as certificate code corresponding to the cloud account number is transmitted to the identity recognition providing platform 200, and the first transaction message is recorded in the first transaction record database 140.
The identity recognition providing platform 200 may query the corresponding cloud account a after receiving the credential code B related to the identity information in the first transaction information, and may display the registration identity of the cloud account a and other transaction information for the user terminal 300 to confirm the transaction content, and the first confirmation result (whether the user terminal 300 wants to continue the transaction) is reported back to the trust credential platform 100. Since the registered identity of the cloud account a is only known by the identification providing platform 200 and the user terminal 300, the transaction confirmation program cannot be forged, and the identification providing platform 200 is ensured to be capable of obtaining the correct consumption amount of the user terminal 300, and finally, the user terminal can be disassembled accordingly. After the transaction confirmation procedure is completed, the second transaction information including the first confirmation result and the related transaction content is also transmitted to the cloud platform 400 and stored in the second transaction record database 230.
The cloud platform 400 provides the financial payment procedure corresponding to the user terminal 300 according to the received second transaction information, and if the cash flow is checked to be correct, the payment is deducted according to the selected financial payment mode; if the checking fails, no deduction operation is performed. The steps are as follows: the financial payment information such as the second confirmation result of payment completion, insufficient balance, user cancellation, timeout waiting, or successful transaction is included in the third transaction information and stored in the third transaction record database 440. The cloud platform 400 also transmits the second confirmation result to the trust credential platform 100 and the identification credential platform 200, respectively, to update the transaction status in the first transaction record database 140 and the second transaction record database 230.
After the user terminal 300 completes the financial payment procedure, the transaction amount will finally enter the account of the cloud platform 400 by the gold trader, the cloud platform 400 deducts the proportion to be obtained according to the agreed payment method, and then delivers the deducted proportion to the trust voucher platform 100, and the trust voucher platform 100 delivers the proportion to be obtained by the payment identity providing platform 200. For example, the credential platform 100, the identity recognition platform 200, and the cloud platform 400 have an agreement such that each of them extracts three components, i.e., when a user consumes one hundred units in a cloud service, the cloud platform 400 first takes out three components (thirty units) of them, and passes the remaining sixty units to the credential platform 100, and then the credential platform 100 passes three components (thirty units) of one hundred units to the identity recognition platform 200, and finally the credential platform 100 has four components (forty units) of one hundred units.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention and are not intended to limit the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (8)
1. A cloud-based service integrated payment transaction system, comprising:
at least one user terminal;
a trust credential platform configured in a first server and communicating with the user terminal via a network, the trust credential platform having a cloud service content providing unit, a service account generating unit, a first transaction control unit, and a first transaction record database, wherein the cloud service content providing unit is configured to allow any user terminal to select a cloud service content, the service account generating unit is configured to generate a service account according to a cloud account provided by any user terminal and according to an authentication result, wherein the service account is configured to log in the trust credential platform, and the first transaction control unit is configured to: any user terminal carries out a transaction program on the cloud service content, generates first transaction information according to the transaction program, and stores the first transaction information into the first transaction record database;
an identity recognition providing platform, configured in a second server and in communication with the trust credential platform and the user terminal via the network, the identity recognition providing platform having a cloud account authentication unit, a second transaction control unit, and a second transaction record database, wherein the cloud account authentication unit is configured to authenticate a cloud account inputted by any one of the user terminals to generate the authentication result, and the second transaction control unit is configured to: receiving the first transaction information of the trust voucher platform, displaying the first transaction information and identity information to allow a user terminal to perform a confirmation procedure to generate a first confirmation result, generating second transaction information by combining the first transaction information and the first confirmation result, storing the second transaction information into the second transaction record database, and sending the first confirmation result to the trust voucher platform; and
a cloud platform, configured in a third server and in communication with the trust credential platform, the identity recognition providing platform, and the user terminal through the network, wherein the cloud platform has a cloud service content selection unit, a transaction payment unit, a third transaction control unit, and a third transaction record database, wherein the cloud service content selection unit is configured to allow any one of the user terminals to select a cloud service content, the transaction payment unit is configured to allow any one of the user terminals to perform a financial payment procedure to generate third transaction information, the financial payment procedure is performed according to the second transaction information, and the third transaction information includes a financial payment information and a second confirmation result, and the third transaction control unit is configured to: receiving the second transaction information of the identity recognition providing platform, storing the third transaction information in the third transaction record database, and transmitting the second confirmation result to the trust certificate platform and the identity recognition providing platform.
2. The system of claim 1, wherein the cloud-based service content is a service content selected from the group consisting of gaming, social interaction, life information, movie, online shopping, online education, and music.
3. The system of claim 1, wherein the first transaction record database, the second transaction record database, and the third transaction record database each store transaction related information including identity, serial number, time, item, amount, and payment status as a basis for charge removal and reconciliation.
4. The system of claim 1 wherein the identification providing platform and the trust credential platform are operable to split the charges obtained from the user terminal in a ratio.
5. The system of claim 1, wherein the identification provider platform and the cloud platform are configured to split a fee obtained by the user terminal in a ratio.
6. The system of claim 1, wherein the trust credential platform and the cloud platform are configured to account for fees obtained by the user terminals in a ratio.
7. The system of claim 1, wherein the identification providing platform, the trust credential platform, and the cloud platform are operable to split the fee obtained by the user terminal in a proportion.
8. The system of claim 1, wherein the cloud platform provides a payment service selected from the group consisting of point redemption, web swipe, web ATM, mobile phone micropayment, hypercompany collection, and remittance of accounts.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW102122600A TWI599969B (en) | 2013-06-25 | 2013-06-25 | Integrated payment services for cloud trading system |
| TW102122600 | 2013-06-25 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| HK1203241A1 HK1203241A1 (en) | 2015-10-23 |
| HK1203241B true HK1203241B (en) | 2018-11-09 |
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