Note: Descriptions are shown in the official language in which they were submitted.
CA 02986799 2017-11-22
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NETWORK TRANSACTION REFUNDING METHOD AND SYSTEM
Technical Field
The invention relates to the field of communication technology, specifically,
involving a refund
method and system of online transactions.
Background Technology
E-commerce has gradually become the main trend of internet economic
development, online
transactions has gradually become a way of life, on account of the merchants
and users cannot
achieve face-to-face payment settlement, so the most important part of e-
commerce is to reduce the
transactions risk between the buyers and sellers. At present, the traditional
network payment is in,
the form of guarantee provided by a third party payment company, the buyer or
the payer will pay
the funds to the third party platform and it will transfer funds to the
receiving account of the seller
after confirming the receipt.
After completing the transaction, if a refund occurs, there will be two
traditional refund
methods: the first one is that the seller will return the funds of refunded to
the third party payment
platform, and the payment will be returned to the buyer through the third-
party payment platform.
Or the buyer will directly provide the bank account to the seller, which will
transfer the payment
into the bank account. The first refund method is used for payment through the
third party payment
platform, once the third party payment platform has a problem, the refund of
both parties will not
guaranteed, while the second method that the buyer directly provides the bank
account related to the
personal private information to the seller, causing unnecessary troubles to
the buyer. Therefore the
traditional refund method of online transactions cannot guarantee a safe
refund.
Summary of the Invention
Based on the above situations, it is necessary to provide a refund method and
system of online
transactions which can realize the safe refund.
An online transaction refund method, which is applied to a second server,
including:
Receive the information data packet of refund with the transaction sequence
delivered by the
second terminal.
Obtain the transaction sequence by checking and analysing the information data
packet of
refund, determining the related payment account, receiving account and payment
amount according
to the transaction sequence;
Establish the connection between the payment account corresponding to the
first server and
pay the funds corresponding to the payment amount in the receiving account to
the first server and
later it transfers the related funds to receiving account.
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A refund method of online transactions, which is applied into the first
server, the method
comprising: make connection with the second server and the second server
determines the
corresponding payment account, receiving account and payment amount.
Obtain the funds corresponding to the payment amount in the receiving account
paid by the
second server and transfer the funds into the receiving account.
A refund system of online transaction including:
The second terminal is used for obtaining the transaction sequence and
delivering the
information data packet for refund with the transaction sequence to the second
server.
A second server is used to check the information data packet of the related
refund request,
obtaining the corresponding transaction sequence and determining the payment
account, receiving
account and the payment amount according to the transaction sequence.
The second server is also used for establishing the connection between the
payment account
and first server, and transferring the funds corresponding to the payment
account in the receiving
account to the first server;
A first server is used for transferring the funds into the receiving account.
The above-mentioned refund method and system in online transactions is based
on that the first
server can obtain payment account and amount according to the information
sequence, the first
server transfers the funds of payment amount into the payment account to
complete the refund of
online transactions by the first server. During the whole refund process, the
seller corresponding to
the second terminal can't obtain the payment account of the buyer, it
guarantees the private account
information of the buyer will not leaked, and the refund process don't need
the third party payment
platform so that the security of the online transactions is guaranteed.
Brief Description
Figure 1 shows an example of a schematic diagram of refund system for online
transaction;
Figure 2 shows another example of a schematic diagram of refund system for
online
transactions;
Figure 3 shows an example of the application scenario of refund system for
online
transactions;
Figure 4 shows an example of a flowchart of refund method for online
transactions;
Figure 5 shows another example of a flowchart of the refund method for online
transactions;
Figure 6 is a flowchart of refund method in online transactions in one
example;
Figure 7 shows another example a flowchart of the refund method for online
transactions;
Description of the Preferred Embodiments
The present invention will be described in further detail with reference to
the accompanying
drawings and the accompanying examples, so as to describe the invention
purposes, technical
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solutions and advantages more clearly. It is to be understood that the
specific examples described
herein are merely illustrative of the invention and are not intended to limit
the invention.
As shown in Figure 1, there is a refund system used for online transactions in
one example,
and the system includes the second terminal 11, the second server 12 and the
first server 13.
The second terminal 11 for acquiring the transaction sequence and delivering
the refund
"request information packet" carrying the transaction serial number to the
second server 12.
The second terminal 11 is used for the seller in the online transactions. The
second server 12
sets a payment account corresponding to the seller, and the second server 12
is used to transfer the
payment account corresponding to the buyer into the receiving account during
the transaction
process; and the funds in the payment account will be refunded to the payment
account. The
transaction sequence is the only identification to identify the generation of
online transactions
between the buyer and the seller. The transaction sequence is associated with
all the transaction data
generated in the transactions. The transaction data packet includes the
buyer's corresponding
payment account, the sellers corresponding receiving account and payment
amount, etc.
The two party reached the refund agreement by communication after the
completion of the
transactions. The seller completes the refund process through the second
terminal 11. Specifically,
the second terminal 11 acquires the corresponding transaction sequence related
to the refund
transaction and obtains the required information to complete the refund
transaction according to
transaction sequence. The second terminal 11 sends the refund request
information data packet to
the second server 12 and asks the second server 12 to complete the refund
operation.
The second server 12 is used to check and analysis the information data packet
of the refund
request and obtain the transaction sequence, determining the payment account,
receiving account
and payment amount according to the transaction sequence.
The second server 12 is also used to establish a connection between the first
server 13 and the
corresponding payment account, and transferring the corresponding funds in the
payment account
and payment amount receiving payment to the first server 13.
The first server 13 is used to transfer the funds into the receiving account.
In this example, the first server 13 sets the payment account corresponding
payment to the
buyer. The first server 13 is used to spend the payment from the payment
account in the transactions
process and transfers the funds after refunding to the payment account during
the refund process.
The second server 12 checks the information data packet of the refund request
to ensure the request
of refund is authentic and legal. After checking, the transaction sequence is
obtained by analysing
the refund request of the information data packet. Furthermore, determining
the payment account of
the buyer, the receiving account of the seller and payment account (refund)
according to the
transaction data related with the transaction sequence. The second server 12
is connected with the
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first server 13, the second server 12 will pay the funds of payment amount
corresponding to the
receiving account to the first server 13, and then transfers the funds to the
payment account through
the first server 13 to complete the refunds of the seller to the buyer.
The above-mentioned refund system in online transactions is based on that the
second server
12 can obtain payment account and amount according to the transaction
sequence, the first server 13
transfers the funds of payment amount into the payment account to complete the
refund of online
transactions. During the whole refund process, the seller corresponding to the
second terminal 11
can't obtain the payment account of the buyer, it guarantees that the private
account information of
the buyer will not leaked, and the refund process don't need the third party
payment platform so that
the security of the online transactions is guaranteed.
As shown in Figure 2, in one example, the function of the system also
comprises that the first
server 13 also used to generate a successful message of refund after the funds
has been transferred
to the receiving account. The first terminal 14 is used for receiving a
successful message of refund
delivered by the first server 13.
The buyer in the online transactions corresponding to the first terminal 14
can communicate
with the seller of the second terminal 11 through the first terminal 14, and
the both party can reach
the agreement on the refund in the online transactions through the first
terminal 14 and the second
terminal 11. After the second server 12 transfers the funds of payment amount
in the receiving
account to the payment account successfully, the second server 12 generates
the successful message
of refund and delivers it to the first terminal 14 to remind the buyer of the
completion of refund.
In one example, the first terminal 14 is also used to generate the purchase
information data and
its corresponding transaction sequence of purchase information data packet,
delivers the later and
the transaction sequence to the second terminal 11.
The buyer and the seller trade on the network, the first terminal 14 generates
the purchase
order based on the commodity shopping information submitted by the user and
calculates the
payment amount required for the purchase of the purchasing the ordered
commodity, generates the
purchase information data packet based on the payment amount, and further
generates the only
confirmed transaction sequence based on purchase information data packet; and
delivers the
information data packet and transaction sequence to the second terminal 11
corresponding to the
seller, and makes a purchase request to the seller.
The second terminal 11 is also used to analyse the purchase information data
packet and
obtains the payment amount, generates the receiving request information data
packet according to
the payment amount, and delivers the receiving request information packet and
transaction
sequence to the second server 12.
The second server 12 is used to generate the receiving request information
packet based on the
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receiving request information data packet and delivers the payment request
information packet and
transaction sequence to the first server 13.
In the example, the first server 13 is used to freeze, release, and transfer
the funds
corresponding to the payment account. The buyer corresponding to the first
terminal 14 pre-sets the
payment account for the funds which is required to purchase the commodity by
the first server 13 in
advance. The second server 12 is used to transfer the received funds to the
receiving account. The
seller corresponding to the second terminal 11 pre-sets the receiving account
of the received
payment for commodity by the second server 12 in advance.
In one example, the payment account and the receiving account can be a bank
account or a
third party account, for example, Alipay or Tenpay account.
The second terminal 11 delivers the receiving request information data packet
to the second
server 12, and the second server 12 requests the first server 14 which is
corresponding to the first
terminal 13 to pay the payment of the commodity. In one example, if the funds
involved in the
online transaction does not belong to the default currency, the payment
request information data
packet also includes the currency information corresponding to the payment
amount.
The first server 13 is also used to analyse the payment request information
data packet and
obtains the payment amount, freezes and pre-sets the funds corresponding to
the payment amount in
the payment account. In this example, the frozen funds will be used to pay for
the purchase of
commodity in the information data package. Since the frozen funds are not
available before
releasing, therefore, it is guaranteed that the buyer has sufficient funds to
pay for the commodity,
providing a guarantee for the seller's delivery. At the same time, the funds
is only freeze
temporarily and is not pay for the commodity from the payment account before
the commodity is
received, it is ensured the security of the buyer's funds.
The second server 12 is also used to deliver the paying information data
packet to the first
server 13.
The first server 13 is also used to check the validity of the paying
information data packet,
releasing the funds after checking, and the funds will be delivered to the
second server 12, and
establish the mapping relationship among the payment account, payment amount
and transaction
sequence.
The second server 12 is also used to establish the mapping relationship among
the receiving
account, payment amount and transaction sequence. In one example, after
confirming the
commodity which have been signed contained in the purchase information data
packet, the seller
needs to ask the buyer to pay. Specifically, the paying information data
packet is delivered by the
second server 12 to the first server 13. The paying information data packet
includes the
confirmation of receiving information of the commodity signed by the user, the
first server 13
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checks the validity of the payment information data packet in order to prevent
the data from being
tampered, and if the validity is legal, the frozen funds will be released and
then deliver to the second
server 12 to complete the online transaction. The payment of the seller which
corresponding to the
second terminal 11 is paid directly by the frozen property of the buyer's
payment account, not paid
by the third party platform, thus ensuring the security of the seller's funds.
In one example, the first server 13 is also used to deliver the commitment
payment messages
generated after the funds of the payment amount was successfully frozen to the
first terminal 14 and
the second server 12 respectively.
The second server 12 is also used to deliver a commitment payment information
to the second
terminal 11.
The second terminal 11 is also used to generate the delivery prompt
information according to
the commitment payment information.
In this example, the first server 13 will query the available amount of the
payment account,
determine whether the available amount is equal or larger than the payment
amount. If so, the funds
with the same amount of payment will be frozen so as to pay for the purchase
of the commodity. If
not, an information that fails to freeze the money is generated and the
information is deliver to the
first terminal 14 and the second server 12. The buyer and the seller will know
that the account
balance is insufficient and the commodity purchase transaction fails.
When the funds of the payment amount are successfully frozen, the first server
13 will
generate a commitment payment information and deliver it to the first terminal
14 and the second
server 12. The payer will learn that his funds was frozen in the payment
account according to the
promised payment information. The payee will learn that the buyer has enough
money to buy
commodity through the commitment payment information delivered from the second
server 12 to
the second server 11. The payer will remind the seller to arrange timely
delivery through the
delivery prompt information.
In one example, the purchase information data packet also contains a purchase
order; the
second terminal 11 is also used to deliver the purchase order to the logistics
server. The first
terminal 14 and the second terminal 11 are also used to receive the delivery
information of the
commodity delivered by the purchase order delivered by the logistics server,
and the delivery
information includes the logistics number.
In this example, the purchase order includes commodity type, style, and
quantity and other
commodity parameters, it also includes contact information such as contact
name, address, and
telephone number and other contract information. The second terminal 11
delivers the shopping
order to the logistics server to arrange the delivery by the logistics
company's staff. The delivery
information after the commodity is delivered will be recorded in the logistics
server, which will
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send the logistics number of the commodity after the corresponding logistic
single number deliver
to the first terminal 14 and the second terminal 11, it will be convenient for
the buyers and sellers to
facilitate the logistics monitoring.
In one example, the second terminal 11 is also used to receive a confirmation
receiving
message of the commodity delivered by the logistics server and generates a
paying information data
packet based on the confirmed receiving information. The second terminal 11 is
also used to deliver
the paying information data packet to the second server 12.
After the commodity is signed by the user, the logistics company's staff will
enter the signed
information into the logistics server, including signatures of the signers,
the time of the receipt and
other information. The commodity purchased by the buyers have been signed by
the user, at this
time the buyers need to pay for the purchase of commodity. In the example, the
logistics server will
deliver the information of the receipt confirmation signed by the user to the
second terminal 11, the
first terminal 11 will deliver the receipt information to the second terminal
12, and the second server
12 delivers the paying information data packet to the first server 13, then
the first server 13
completes the transaction payment.
In the refund system of the above-mentioned online transaction, the first
server 13 determines
whether to cancel the funds and complete the payment based on the confirmation
receipt of the
buyer's signed goods, and does not need to be paid by the buyer to confirm the
receipt of the
commodities .Terminal 11 corresponding to the recipient in a timely manner to
receive payment,
reducing the risk of the recipient's funds.
In one example, in order to protect the data security in the online
transaction, preventing the
data leakage or the data packet being tampered after hacking. The purchase
information data packet,
the receiving request information packet, the payment request information
packet and the payment
information data packet are encrypted in the transmission process, that is to
say, the above data
packet contains the encryption section.
As shown in Figure 3, in one example, the buyer A and the seller B perform an
on-line
shopping transaction, in which the buyer A corresponds to the terminal 31, the
seller B corresponds
to the terminal 33; the server 32 is arranged at the bank of the buyer A's
payment account, the
server 34 is arranged at the bank of the seller's payment account. It is clear
from the figure that the
buyer and the seller can improve the security of the funds in online
transaction without going
through the third payment platform, and the same time the buyer A and the
seller B have reached
the refund agreement without having to know the buyer A bank Account of the
case of private
information does not pass a third party payment platform to complete the
refund to protect the
refund security.
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As shown in Figure. 4, it provide a refund method in online transaction, where
is applied to
refund system of online transaction in an example, the method includes the
following steps:
In step 401, receiving the information data packet of refund request with the
transaction
sequence delivered by the second terminal.
In step 402, obtaining the transaction sequence by checking and analysing the
information data
packet of refund request, determining the related payment account, receiving
account and payment
amount according to the transaction sequence.
In step 403, establishing a connection between the first server corresponding
to the payment
account, and transferring the corresponding funds in the receiving account and
payment amount to
the first server. In this example, the first server transfers the funds into
the receiving account.
In one example, as shown in Figure 5, at step 401, before receiving the
information data packet
of refund request with the transaction sequence delivered by the second
terminal. The method also
includes:
In step 501, receiving the information data packet of receiving request and
the transaction
sequence delivered by the second terminal.
In the step 502, generates a payment request information data packet based on
the receiving
request information data packet, and delivers the payment request information
data packet and
transaction sequence to the first server.
In this example, the first server is used to analyse the payment request
information data packet
and obtains the payment amount, freezes and pre-sets the funds corresponding
to the payment
amount in the payment account.
In step 503, delivers the paying information data packet to the first server.
In this example, the first server checks the validity of the payment
information data packet,
releases the frozen funds after checking.
In step 504, obtaining the funds paid by the first server and transferring the
funds to the pre-set
receiving account.
In step 505, establish the mapping relationship among the receiving account,
payment amount
and transaction sequence.
In one example, the method also includes: receiving a commitment payment
information
generated by the first server freezing the funds of the payment amount;
delivers the commitment
payment information to the second terminal, the second terminal generates the
delivery prompt
information based on the commitment payment information.
As shown in Figure 6, it provide a refund method in online transaction in an
example, where is
applied to refund system of first server in online transaction, the method
includes the following
steps:
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In step 601, establishing a connection with the second server. In the present
example, the
second server determines the corresponding payment account, the receiving
account and the
payment amount according to the transaction sequence.
Step 602, obtaining the funds corresponding to the payment amount in the
receiving account
paid by the second server.
Step 603, transferring the funds into the receiving account.
In an example, at step 603, after transferring the funds into the receiving
account, the refund
methods also including: generating the successful information of refund and
delivering it to the first
terminal.
As shown in Figure 7, in one example, the refund methods in online
transactions also includes:
In step 701, receiving the information data packet of receiving request and
the transaction
sequence delivered by the second terminal.
In step 702, analysing the payment request information data packet and obtains
the payment
amount, freezing and pre-setting the funds corresponding to the payment amount
in the payment
account.
In step 703, receiving the paying information packet delivered by the second
server.
In step 704, checking the validity of the paying information data packet and
releases the funds
after checking and the released funds is transferred to the second server.
In step 705, establishing the mapping relationship among the receiving
account, payment
amount and transaction sequence.
In an example, the information data packet of the purchase also comprises a
purchase order; at
step 702, freezing and pre-setting the funds corresponding to the payment
amount in the payment
account, the refund method in online transactions also includes:
The second terminal deliveries the shopping order to the logistics server; the
first terminal and
the second terminal receive the delivery information of the commodities that
have been shipped
corresponding to the shopping order delivered by the logistics server, and the
delivery information
includes the logistics number.
In one example, after the first terminal and the second terminal receive the
delivery
information of the merchandise that has been shipped with the shopping order
corresponding to the
delivery order delivered by the logistics server, it further comprises:
The second terminal receives a confirmation receiving message of the commodity
signed by
the user delivered by the logistics server and generates a paying information
data packet based on
the confirmed receiving information. The second terminal delivers the paying
information data
packet to the second server.
In one example, the method also including: the step of encrypting the purchase
information
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data packet, and the receiving request information data packet, the payment
request information
data packet and the payment information data packet.
In one example, in order to protect the data security in the online
transaction, preventing the
data leakage or the data packet being tampered after hacking. The purchase
information data packet,
the receiving request information packet, the payment request information
packet and the payment
information data packet are encrypted in the transmission process, that is to
say, the above data
packet contains the encryption section.
The ordinary technicians in the field that can understand and implement all or
part of the
processes in the above mentioned method of the examples which can be
accomplished by means of
a computer program that can be stored in a computer-readable storage medium.
The program may,
when executed, include flows of all examples as described above. Among them,
the storage medium
can be a magnetic disk, CD, a read-only memory (ROM) and other non-volatile
storage media or
random access memory (RAM), etc.
The characteristics of technology in the above examples can be arbitrarily
combined. In order
to simplify the description, it does not describe all the possible
combinations of the various
characteristics of technology, however, as long as the combination of these
characteristics of
technology are not conflict, it should be considered in the scope of this
manual records.
The above example only expresses several examples of the invention, and its
descriptions are
more specific and detailed, however, it cannot to be considered as a
limitation of the scope of the
invention patent. It should be noted that various modifications and
improvements can be made by
those skilled in the field without departing from the inventive concept, which
belong to the
protection scope of the present invention. Accordingly, the protection scope
of patent of the present
invention should be measured by the appended claims.
Date Recue/Date Received 2022-01-24
