MAILBOX PAYMENT METHOD AND MAILBOX PAYMENT SYSTEM

PROCEDE DE PAIEMENT PAR BOITE AUX LETTRES ET SYSTEME DE PAIEMENT PAR BOITE AUX LETTRES

English Abstract

Disclosed are a mailbox payment method and a mailbox payment system. The
mailbox payment system comprises a
paying terminal device, a mailbox payment verification center and a receiving
terminal device. The mailbox payment verification
center is used for accepting a paying mailbox login verification request
submitted by a paying party with regard to one or a plurality
of online payment transactions, performing security verification on the paying
mailbox login verification request, and sending payment
confirmation information to a specified receiving party mailbox when the
paying mailbox login verification request passes. The
mailbox payment verification center is also used for receiving a receiving
mailbox login verification request, performing security
verification on the receiving mailbox login verification request, and
instructing a relevant bank server related to each payment transaction
to complete a subsequent settlement process of the payment transaction when
the receiving mailbox login verification request
passes. The present invention provides a user with a mailbox payment means
capable of implementing a batch payment of a plurality
of online payment transactions and having a very convenient payment operation.

French Abstract

La présente invention se rapporte à un procédé de paiement par boîte aux lettres et à un système de paiement par boîte aux lettres. Le système de paiement par boîte aux lettres comprend un dispositif terminal payeur, un centre de vérification de paiement par boîte aux lettres et un dispositif terminal récepteur. Le centre de vérification de paiement par boîte aux lettres sert à accepter une demande de vérification de connexion à une boîte aux lettres payeuse faite par une partie payeuse pour une ou plusieurs opérations de paiement en ligne, effectuer une vérification de sécurité sur la demande de vérification de connexion à la boîte aux lettres payeuse, et à envoyer des informations de confirmation de paiement à une boîte aux lettres de partie réceptrice spécifiée lorsque la demande de vérification de connexion à la boîte aux lettres payeuse est acceptée. Le centre de vérification de paiement par boîte aux lettres est également destiné à recevoir une demande de vérification de connexion à une boîte aux lettres réceptrice, effectuer une vérification de sécurité sur la demande de vérification de connexion à la boîte aux lettres réceptrice, et donner l'ordre à un serveur bancaire correspondant lié à chaque opération de paiement de mener à bien un processus de règlement ultérieur de l'opération de paiement lorsque la demande de vérification de connexion à la boîte aux lettres réceptrice est acceptée. L'invention fournit à l'utilisateur un moyen de paiement par boîte aux lettres qui peut mettre en uvre un paiement par lot d'une pluralité d'opérations de paiement en ligne et qui présente un déroulement de paiement très pratique.

Claims

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CLAIMS
1. An e-mail payment system comprising:
a payer terminal;
a recipient terminal;
an e-mail payment verification server; and
a bank server;
wherein the payer terminal, the recipient terminal and the bank server are
communicatively connected through the e-mail payment verification server;
wherein the e-mail payment verification server is configured to receive a
payer
e-mail login verification request for a plurality of online payment
transactions
from the payer terminal, perform security verification on the payer e-mail
login
verification request and then deliver a payment confirmation message for the
plurality of online payment transactions to a designated recipient e-mail
account
when the payer e-mail login verification request is approved;
wherein the e-mail payment verification server is configured to receive a
recipient e-mail login verification request sent by the recipient terminal for
confirming the plurality of online payment transactions, and perform security
verification on the recipient e-mail login verification request; and
wherein the e-mail payment verification server is configured to instruct the
bank
server to settle the online payment transaction once the recipient e-mail
login
verification request is verified.

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2. The system of claim 1 wherein the e-mail payment verification server
includes
a recording module.
3. The system of claim 2 wherein the recording module includes a database.
4. The system of any one of claims 2 and 3 wherein the recording module is
configured to record payer information.
5. The system of claim 4 wherein the payer information includes a payer e-
mail
account username.
6. The system of any one of claims 4 and 5 wherein the payer information
includes
a payer e-mail account password.
7. The system of any one of claims 2 -6 wherein the recording module is
configured
to record recipient information.
8. The system of claim 7 wherein the recipient information includes a
recipient e-
mail account username.
9. The system of any one of claims 7 and 8 wherein the recipient
information
includes a recipient e-mail account password.
10. The system of any one of claims 1-9 wherein the payer terminal is
further
configured to generate the plurality of online payment transactions in
accordance with a payer user operation and select an e-mail payment mode for
implementing the plurality of online payment transactions.
11. The system according to claim 9, wherein the e-mail payment
verification
server further comprises:

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a communication module;
an extraction module; and
a judgement module;
wherein the extraction module is configured to extract a first input account
and
a first input password from the payer e-mail login verification request;
wherein the judgement module is configured to judge whether the first input
account is the same as the payer e-mail account and whether the first input
password is the same as the payer e-mail account password; and
wherein the communication module is configured to transmit a first outcome of
the payer e-mail login verification request to the payer terminal.
12. The system according to claim 11 wherein:
the extraction module is configured to extract a second input account and a
second input password from the recipient e-mail login verification request and
transmit the second input account and the second input password to the
judgement module;
the judgement module is further configured to judge whether the second input
account is the same as the recipient e-mail account and whether the second
input password is the same as the recipient e-mail account password; and
the communication module is further configured to:
receive a reply message sent by the recipient terminal confirming the
plurality
of online payment transactions; and

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transmit a second outcome of the recipient e-mail login verification request
to
the payer terminal and the recipient terminal;
deliver funds in the plurality of online payment transactions to the bank
server.
13. The system of any one of claims 1 to 12 wherein the payer terminal is a
smartphone.
14. The system of any one of claims 1 to 12 wherein the payer terminal is a
tablet.
15. The system of any one of claims 1 to 12 wherein the payer terminal is a
notebook.
16. The system of any one of claims 1 to 12 wherein the payer terminal is a
desktop computer.
17. The system of any one of claims 1 to 16 wherein the recipient terminal
is a
smartphone.
18. The system of any one of claims 1 to 16 wherein the recipient terminal
is a
tablet.
19. The system of any one of claims 1 to 16 wherein the recipient terminal
is a
notebook.
20. The system of any one of claims 1 to 16 wherein the recipient terminal
is a
desktop computer.
21. An e-mail payment verification server:

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a memory for storing data; and
a computer processor;
wherein the e-mail payment verification server is communicatively connected to
a payment terminal, a bank server, and a recipient terminal;
wherein the e-mail payment verification server is configured to receive a
payer
e-mail login verification request for a plurality of online payment
transactions
from the payer terminal, perform security verification on the payer e-mail
login
verification request and then deliver a payment confirmation message for the
plurality of online payment transactions to a designated recipient e-mail
account
when the payer e-mail login verification request is approved;
wherein the e-mail payment verification server is configured to receive a
recipient e-mail login verification request sent by the recipient terminal for
confirming the plurality of online payment transactions, perform security
verification on the recipient e-mail login verification request; and
wherein the e-mail verification server is configured to instruct the bank
server to
settle the online payment transaction once the recipient e-mail login
verification
request is verified.
22. The e-mail payment verification server of claim 21 wherein the e-mail
payment
verification server includes a recording module.
23. The e-mail payment verification server of claim 22 wherein the
recording module
includes a database.
24. The e-mail payment verification server of any one of claims 22 and 23
wherein
the recording module is configured to record payer information.

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25. The e-mail payment verification server of claim 24 wherein the payer
information
includes a payer e-mail account username.
26. The e-mail payment verification server of any one of claims 24 and 25
wherein
the payer information includes a payer e-mail account password.
27. The e-mail payment verification server of any one of claims 22-26
wherein the
recording module is configured to record recipient information.
28. The e-mail payment verification server of claim 27 wherein the
recipient
information includes a recipient e-mail account username.
29. The e-mail payment verification server of any one of claims 27 and 28
wherein
the recipient information includes a recipient e-mail account password.
30. The e-mail payment verification server of any one of claims 21-29
wherein the
payer terminal is further configured to generate the plurality of online
payment
transactions in accordance with a payer user operation and select an e-mail
payment mode for implementing the plurality of online payment transactions.
31. The e-mail payment verification server according to claim 29, wherein
the e-
mail payment verification server further comprises:
a communication module;
an extraction module; and
a judgement module;

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wherein the extraction module is configured to extract a first input account
and
a first input password from the payer e-mail login verification request;
wherein the judgement module is configured to judge whether the first input
account is the same as the payer e-mail account and whether the first input
password is the same as the payer e-mail account password; and
wherein the communication module is configured to transmit a first outcome of
the payer e-mail login verification request to the payer terminal.
32. The e-mail payment verification server according to claim 31 wherein:
the extraction module is configured to extract a second input account and a
second input password from the recipient e-mail login verification request and
transmit the second input account and the second input password to the
judgement module;
the judgement module is further configured to judge whether the second input
account is the same as the recipient e-mail account and whether the second
input password is the same as the recipient e-mail account password; and
the communication module is further configured to:
receive a reply message sent by the recipient terminal confirming the
plurality
of online payment transactions;
transmit a second outcome of the recipient e-mail login verification request
to
the payer terminal and the recipient terminal; and
deliver funds in the plurality of online payment transactions to the bank
server.

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33. An e-mail payment method comprising:
receiving a payer e-mail login verification request for confirming a plurality
of
online payment transactions at an e-mail payment verification server and
verifying the payer e-mail login verification request;
sending a payment confirmation for the plurality of online payment
transactions
from the e-mail payment verification server to a recipient e-mail account when
the payer e-mail login verification request is approved, or, sending a message
from the e-mail payment verification server to payer e-mail account indicating
that the payer e-mail login verification request has failed when the payer e-
mail
login verification request is not approved; and
receiving a recipient e-mail login verification request for confirming the
plurality
of online payment transactions at the e-mail payment verification server and
verifying the recipient e-mail login verification request, and once the
recipient e-
mail login verification request is approved, completing a settlement of the
online
payment transaction at a bank server.
34. The method according to claim 33 further comprising:
recording payer e-mail account information including a payer e-mail account
username and a payer e-mail account password, and recipient e-mail account
information including a recipient e-mail account username and a recipient e-
mail
account password on the e-mail payment verification server and saving the
recording onto a database.
35. The method according to claim 34 further comprising:

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generating the plurality of online payment transactions in a payment terminal
device according to a payer user operation and selecting an e-mail payment
mode for implementing the plurality of online payment transactions.
36. The method according to claim 33 wherein:
verifying the payer e-mail login verification request comprises:
extracting a first input account and a first input password in the payer e-
mail
login verification request and comparing the first input account and the first
input
password to a payer e-mail account username and a payer e-mail account
password stored in a database at the e-mail payment verification server;
determining whether the first input account is the same as the payer e-mail
account username and whether the first input password is the same as the payer
e-mail account password; and
generating a first prompt indicating that verification has been successful
when
the first input account is the same as the payer e-mail account username and
the first input password is the same as the payer e-mail account password and
delivering the first prompt to a payer terminal, or, generating a second
prompt
indicating that verification has been unsuccessful when the first input
account is
not the same as the payer e-mail account username and when the first input
password is not the same as the payer e-mail account password.
37. The method according to claim 33 wherein:
verifying the recipient e-mail login verification request comprises:

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receiving the recipient e-mail login verification request at the e-mail
payment
verification server from a receiving terminal for confirming the plurality of
online
payment transactions;
extracting a second input account and a second input password in the recipient
e-mail login verification request and comparing the second input account and
the second input password a recipient e-mail account username and a recipient
e-mail account password stored in a database;
determining whether the second input account is the same as the recipient e-
mail account username and whether the second input password is the same as
the recipient e-mail account password; and
generating a first prompt indicating that verification has been successful
when
the second input account is the same as the recipient e-mail account username
and the second input password is the same as the recipient e-mail account
password and delivering the first prompt to a payer terminal and a recipient
terminal and delivering funds in the plurality of online payment transactions
to
the bank server, or, generating a second prompt indicating that verification
has
been unsuccessful when the second input account is not the same as the
recipient e-mail account username and when the second input password is not
the same as the recipient e-mail account password and delivering the second
prompt to the payer terminal.

Description

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Mailbox Payment Method And Mailbox Payment System
Technical Field
[1] The present invention relates to the field of payment technology, and
more particularly, to a
method and a mailbox payment system for a mailbox.
Background Technology
[2] Among various online payment methods, mobile payment verification
methods are popular
because of their simple operation. However, mobile payment verification method
is not
perfect, there are at least the following defects:
[3] 1) poor security. With the popularization of smartphones, the
replacement frequency of
mobile phone numbers of users is higher and higher, resulting in the change of
the mobile
phone number for the payment reserved by the user at the shopping website.
Instead, the
user's payment operation is complicated and a certain security risk is caused.
[4] 2) inefficient payment. Mobile verification payment method can only
achieve one online
payment transaction at a time, but cannot achieve multiple online payment
transactions in
batches. When the user needs to complete the payment of multiple orders, it is
cumbersome
and time consuming to verify payment by mobile phone.
[5] In order to adapt to the great development of the payment industry and
improve the
convenience and security of the users in the payment process, how to develop a
payment
method with convenient operation and high security has become an urgent
problem to be
solved.
Summary of the Invention
[6] The technical problem to be solved by the present invention lies in
that, in view of the
above defects in the prior art, a method and a mailbox payment system for a
mailbox are
provided.
[7] The technical solution adopted by the present invention for solving the
technical problem
is: constructing a method for paying for a mailbox, including the following
steps:
[8] S1) When the mailbox payment verification center receives the
verification request of
payment email login for one or more online payment transactions, the payment
mailbox
login verification request is securely verified;
[9] S2) When the payment box login verification request is not approved,
the mailbox payment
verification center will deliver the prompt of failure of submitting the
payment request to
the payment box, or when the payment mailbox login verification request is
approved,
delivering a payment confirmation message for the one or more online payment

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transactions to the designated payee mailbox;
[10] S3) The E-mail Payment Verification Center receives a login
verification request to
confirm this or multiple online payment transactions, performs security
verification on the
verification request of the receiving email login, and when receiving email
login
verification request is approved, instruct each online payment transaction
involving the
relevant bank server (400) to complete the subsequent settlement process of
the online
payment transaction.
[11] In the above email payment method of the present invention, the method
further includes
the following steps:
[12] SO) E-mail payment verification center records the payment e-mail
account information
including the payment e-mail account and payment e-mail password as well as
the payment
e-mail registration information including the payment e-mail account number
and e-mail
password, and saves the record information to the database.
[13] In the above email payment method of the present invention, the
following steps are further
included between the step SO and the step Si:
[14] S01) The payment terminal device generates one or more online payment
transactions
according to the payment user operation and selects the mailbox payment method
for
implementing the one or more online payment transactions.
[15] In the above email payment method of the present invention, the step
of performing
security verification on the payment email login operation in step SI
includes:
[16] The mailbox payment verification center extracts the first input
account and the first input
password in the payment mailbox login verification request, and compares the
first input
account and the first input password with the payment mailbox account and the
payment
mailbox stored in the database;
[17] If the mailbox payment verification center determines that the first
input account is the
same as the payment email account and the first input password is the same as
the payment
email password, the payment mailbox login verification request is allowed to
pass the
security verification, and deliver a mailbox payment request to the payment
terminal to
submit a successful prompt message;
[18] If the mailbox payment verification center determines that the first
input account is
different from the payment email account, or determines that the first input
password is
different from the payment email password, the forbidden payment mailbox login
verification request passes the security verification and generates E-mail
payment request
submission failed message.
[19] In the above method for paying for a mailbox according to the present
invention, in the step
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S3, the mailbox payment verification center receives the login verification
request of the
receiving mailbox used to confirm this or multiple online payment
transactions, and the
steps to verify the security verification of the receiving email login
verification request
include:
[20] The mailbox payment verification center receives the payment mailbox
login verification
request returned by the payment receiving terminal device and used for
confirming the
transaction of this one or more online payment transactions, and extracts the
second input
account in the payment mailbox login verification request and the second input
password in
the login verification request of the receiving mailbox and comparing the
second input
account and the second input password with the receiving mailbox account and
the
receiving mailbox password respectively stored in the database;
[21] If the mailbox payment verification center determines that the second
input account is the
same as the payment mailbox account, and the second input password is the same
as the
password of the payment mailbox, the payment mailbox login verification
request is
allowed to pass the security verification, delivering prompt information
indicating that the
payment verification is successful to the payment terminal device and the
payment
receiving terminal device and delivering the electronic money in the one or
more online
payment transactions to the relevant bank server;
[22] If the mailbox payment verification center determines that the second
input account is
different from the receiving mailbox account or determines that the second
input password
is different from the receiving mailbox password, the forbidden payment
mailbox login
verification request passes the safety verification, and deliver a message to
the payment
terminal device and the payment receiving terminal device for the failure of
the mailbox
payment verification.
[23] The present invention also constructs a mailbox payment system, the
mailbox payment
system including: a payment terminal device, a mailbox payment verification
center and a
payment receiving terminal device;
[24] The mailbox payment verification center is used to receive a payment
mailbox login
verification request for one or more online payment transactions from the
payment terminal
device, perform security verification on a payment mailbox login verification
request,
when the login verification request is approved, payment confirmation
information for the
one or more online payment transactions is delivered to the designated payee
mailbox;
[25] The mailbox payment verification center is also used to receive a
payment mailbox login
verification request returned by the payment receiving terminal device for
confirming this
or multiple online payment transactions, performs security verification on the
verification
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request of the receiving email login, and when receiving email login
verification request is
approved, instruct each online payment transaction involving the relevant bank
server to
complete the subsequent settlement process of the online payment transaction.
[26] In the above-mentioned mailbox payment system of the present
invention, the mailbox
payment verification center includes a payment mailbox for recording the
payment mailbox
account and the payment mailbox password, and a registration module that
includes
payment mailbox registration information of the payment mailbox account and
the
payment mailbox password, and a database for storing the record information of
the
recording module.
[27] In the above-mentioned mailbox payment system of the present
invention, the payment
terminal device is also used to generate one or more online payment
transactions according
to a payment user operation and to select a mailbox for implementing the one
or more
online payment transactions payment method.
[28] In the above-mentioned mailbox payment system of the present
invention, the email
payment verification center also includes a communication module for receiving
a payment
mailbox login verification request from the payment terminal device and a
prompting
message for submitting a success / failure message to the payment terminal
device to
deliver a mailbox payment request, an extracting module is used for extracting
a first input
account and a first input password in a payment mailbox login verification
request and
configured to compare the first input account and the first input password
with the payment
mailbox account and the payment mailbox password stored in the database
respectively,
and determines that the first input account is the same as the payment email
account, and
the first input password is the same as the payment email password, the
payment mailbox
login verification request is allowed to pass the security verification, or
determining that
the first input account is different from the payment email account or the
first input
password is different from the payment email password, the payment mailbox
login
verification request is prohibited from passing the security verification
judgement module.
[29] In the above mailbox payment system of the present invention, the
communication module
is also used to receive the verification request of the receiving mailbox
which is returned
by the receiving terminal device to confirm the payment transaction of this or
multiple
online payment transactions;
[30] The extraction module is also used to extract a second input account
and a second input
password in a login verification request of the payment mailbox, and input the
second input
account and the second input password into the determination module;
[31] The judging module is also used to read the payment mailbox account
and the payment
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mailbox password stored in the database, compare the payment mailbox account
and the
payment mailbox password with the second input account and the second input
password
and comparing the second input account with the receiving email account, and
allowing the
receiving email login verification request to pass the security verification
when the second
input password is the same as the receiving email password;
[32] The judging module is also used to prohibit the payment mailbox login
verification request
from passing the security verification when it is determined that the second
input account is
different from the payment mailbox account or the second input password is
different from
the payment mailbox password;
[33] The communication module is also used to deliver prompt information
indicating that the
payment verification is successful to the payment terminal device and the
payment
receiving terminal device when the payment mailbox login verification request
is passed,
and deliver the E-currency in this or multiple online payment transactions to
the relevant
bank server;
[34] The communication module is also used to deliver prompt information
that the mailbox
payment verification fails to the payment terminal device and the payment
receiving
terminal device if the payment mailbox login verification request has not been
passed.
[35] Since the method and mailbox payment system for the mailbox of the
present invention
adopts the method of constructing a service platform that is capable of
performing business
connection with major banks for performing security verification through a
payment
mailbox login verification request and a payment mailbox login verification
request, thus
solving the technical problem that the mobile phone verifies the payment
method in the
existing technology that the security of the payment method is not high and
the user
verifies the payment method by the mobile phone only to complete the defect of
one online
payment transaction at a time. It has achieved a beneficial effect to provide
users with a
novelty, convenient payment operation, high security, and can realize multi
payment online
payment transactions.
Brief Description
[36] Figure 1 is a schematic structural diagram of a mailbox payment system
according to a
preferred example of the present invention;
[37] Figure 2 is a structural block diagram of a mailbox payment
verification center of the
mailbox payment system shown in Figure 1;
[38] Figure 3 is a flowchart of a method for paying a mailbox according to
a preferred example
of the present invention.
Description of the Preferred Examples

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[39] In order to solve the problem that the existing mobile phone
verification payment method
is not highly secure and the user can only complete one online payment
transaction at a
time under the condition that the mobile phone verifies the payment method,
the main
innovation of the present invention lies in:
[40] 1) Constructing an online payment service for one or more online
payment transactions by
performing a business transaction with major banks for secure verification
through a
payment mailbox login verification request and a payment mailbox login
verification
request E-mail payment verification center 200.
[41] Since the present invention adopts the method of constructing a
mailbox payment for batch
payment which can be used for business docking with major banks and is used
for
performing security verification respectively for payment mailbox login
verification
requests and collection mailbox login verification requests so as to realize
multi-line
payment transactions of the design of the verification center 200 so as to
solve the technical
problem that the mobile phone verifies the payment method's security is not
high and the
mobile phone verifies the payment efficiency of the mobile phone is
inefficient in the
existing technology so as to provide the user with a convenient payment
operation, high
security, and capable of realizing multiple payment transactions by paying in
batches.
[42] In order to make the object of the present invention more
comprehensible, the present
invention will be further described in detail below with reference to the
accompanying
drawings and examples. It is to be understood that the specific examples
described herein
are merely illustrative of the invention but not intended to limit the
invention.
[43] As shown in Figure 1, the mailbox payment system of the present
invention includes a
payment terminal device 100, a payment receiving terminal device 300, a mail
payment
verification center 200 connecting the payment terminal device 100 and the
payment
receiving terminal device 300, and a connection mailbox payment verification
center 200
bank server 400.
[44] Wherein, the payment terminal device 100 is used to generate one or
more online payment
transactions according to a user operation, and select a mailbox payment
method for
implementing the one or more online payment transactions.
[45] The payment terminal device 100 is also used to submit to the mailbox
payment
verification center 200 a mailbox payment verification request for the one or
more online
payment transactions.
[46] The mailbox payment verification center 200 is used to perform
security verification on the
mailbox payment verification request and instruct the relevant bank server 400
to complete
the subsequent settlement process of the online payment transaction when the
mailbox
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payment verification request is approved.
[47] The mailbox payment verification center 200 may be an existing mail
server. The payment
terminal device 100 / payment receiving terminal device 300 may be any one of
a
smartphone, a tablet, a notebook, or a desktop computer.
[48] As shown in Figure 2, the mailbox payment verifying center 200 of the
present invention
includes a judging module 203, an extracting module 202, a communication
module 201, a
database and a recording module 205 electrically connected with the judging
module 203.
[49] Wherein, the recording module 205 is used to record the payment email
registration
information including the payment user basic information, the payment email
account and
the payment email password applied by the payment user through the mailbox
payment
verification center 200. The recording module 205 is also used to record the
payment
mailbox registration information including the payment user basic information,
the
payment mailbox account, and the payment mailbox password applied by the
payment user
through the mailbox payment verification center 200.
[50] This database is used to store the above-mentioned payment email
registration information
and payment email registration information.
[51] The communication module 201 is used to receive a mailbox payment
verification request
submitted by the payment terminal device 100 and including a payment user
name, a first
input account, and a first input password.
[52] The extracting module 202 is used to extract a payment user name, a
first input account,
and a first input password in the mailbox payment verification request, and
input the first
input account and the first input password to the determination module 203.
[53] The judging module 203 is used to receive the first input account and
the first input
password, read a payment mailbox account and a payment mailbox password
corresponding to the payment user name in the database, and store the first
input account
number, an input password and payment mailbox account and payment mailbox
password
were compared.
[54] The judging module 203 is also used to determine the same number of
the first input
account as the account number of the payment mailbox, and the first input
password is the
same as the password of the payment email, allowing the mailbox payment
verification
request to be passed, and generating prompt information that the mailbox
payment
verification request is submitted successfully.
[55] The communication module 201 is also used to deliver prompt
information that the
mailbox payment verification request is successfully submitted to the payment
tenninal
device 100, and deliver the payment confirmation message to the designated
payment
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mailbox.
[56] The judging module 203 is also used to prohibit the mailbox payment
verification request
from being passed when the first input account is different from the payment
mailbox
account or the first input password is different from the payment mailbox
password,
generates a prompt message indicating that the mailbox payment verification
request
submission fails, and instructs the communication module 201 to deliver the
prompt
message indicating that the mailbox payment verification request submission
fails to the
payment terminal device 100.
[57] The communication module 201 is also used to receive a payment mailbox
login
verification request submitted by the payment receiving terminal device 300
for confirming
the transaction of the this or multiple of online payment transactions.
[58] The extraction module 202 is also used to extract the payment user
name, the second input
account, and the second input password in the payment mailbox login
verification request
and input the same to the determination module 203.
[59] The judging module 203 is also used to read a payment mailbox account
and a payment
mailbox password corresponding to the payment user name in the database, and
receive the
second input account and the second input password together with the payment
mailbox
account E-mail password were compared.
[60] If the judging module 203 judges that the second input account is the
same as the receiving
mailbox account and the second input password is the same as the receiving
mailbox
password, the judging module 203 allows the receiving mailbox login
verification request
to pass the security verification and If the judgement module 203 judges that
the second
input account is different from the payment mailbox account or the second
input password
is the same as the password of the payment mailbox, the prompt information
that the
mailbox payment verification is successful is simultaneously delivered to the
payment
terminal device 100 and the payment receiving terminal device 300. The judging
module
203 prohibits the payment mailbox login verification request from passing the
security
verification, and simultaneously delivers the prompt information that the
email payment
verification fails to the payment terminal device 100 and the payment
receiving terminal
device 300.
[61] The judging module 203 is also used to deliver the electronic money in
each online
payment transaction to the relevant bank server 400 involved in the online
payment
transaction through the communication module 201 when the payment mailbox
login
verification request is passed, it also instructs the bank server 400 to
complete the
subsequent settlement process of the online payment transaction based on the
electronic
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currency.
[62] In the following, the preferred method of the present invention is
taken as an example to
describe the method for paying a mailbox according to the present invention.
[63] As shown in Figure 3, in step S101, the mailbox payment verification
center 200 records
payment mailbox registration information including the payment user basic
information,
payment email account and payment email password registered by the payment
user
through the recording module 205. The payment user registers the payment
mailbox
registration information including the basic information of the payment user,
the payment
email account and the payment email password, and stores the registered
payment email
registration information and the payment mailbox registration information in
the database.
[64] In step SI02, when receiving the payment email login verification
request for one or more
online payment transactions via the communication module 201, the mailbox
payment
verification center 200 performs security verification on the payment email
login
verification request. The payment mailbox login verification process is as
follows: the
mailbox payment verification center 200 first extracts the payment user name,
the first
input account, and the first input password in the payment mailbox login
verification
request through the extraction module 202, and then, through the judgement
module 203,
searches the database for the payment user name has the same payment user name
and its
corresponding payment email account and payment email password, and compares
the
payment email account and the payment email password with the first input
account and
the first input password respectively.
[65] In step S103, if the determination module 203 determines that the
payment email account is
different from the first input account or the payment email password is
different from the
first input password, the payment mailbox login verification request is
forbidden to pass
the security verification and the next step is executed S104.
[66] If the judgement module 203 determines that the payment email account
is the same as the
first input account and the payment email password is the same as the first
input password,
the payment mailbox login verification request is allowed to pass the security
verification,
and the next step S105 is executed.
[67] In step S104, the communication module 201 receives the prompt
information that the
submission of the payment request for the mailbox generated by the
determination module
203 has failed, and delivers the prompt information to the payment terminal
device 100.
[68] In step S105, the communication module 201 is received by the judging
module 203
generates a mailbox payment request submitted to the success of information
and payment
confirmation information, payment request will be submitted to the success of
the email
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message to the payment terminal device 100, and the payment confirmation
message mail
deliver to the specified mailbox.
[69] In step S106, the mailbox payment verification center 200 receives a
payment mailbox
login verification request for confirming this or multiple of online payment
transactions
through the communication module 201, and performs security verification on
the payment
mailbox login verification request. The verification process of the login
verification is as
follows: the mailbox payment verification center 200 first extracts the
payment user name,
the second input account and the second input password in the payment mailbox
login
verification request through the extraction module 202 and then searches
through the
determination module 203 and the receiving user name in the database and the
receiving
user name and its corresponding receiving email account number and receiving
email
password, and compare the account number of the receivable mailbox and the
password of
the receivable mailbox with the second input account and the second input
password.
[70] In step S107, if the determining module 203 determines that the email
receiving account is
different from the second input account or the email receiving password is
different from
the second input password, then the payment mailbox login verification request
for
confirming the payment of a mailbox is prohibited from passing the security
verification,
and the next step S108 is executed.
[71] If the judgement module 203 judges that the payment mailbox account is
the same as the
second input account and the payment mailbox password is the same as the
second input
password, the payment mailbox login verification request for confirming the
payment of
the mailbox is allowed to pass the security verification and the next step
S109 is executed.
[72] In step S108, the mailbox payment verification center 200
simultaneously delivers prompt
information indicating that the verification of the mailbox payment is
successful to the
payment terminal device 100 and the payment receiving terminal device 300
through the
communication module 201, and delivers the electronic money in the one or more
online
payment transactions to the bank server 400 involved in each online payment
transaction
and instructs the bank server 400 to complete subsequent subsets of the online
payment
transaction based on the electronic money settlement process.
[73] In step S109, the mailbox payment verification center 200 delivers the
email payment
verification failure message to the payment terminal equipment 100 and the
receiving
terminal device 300 through the communication module 201, and then proceeds to
step
S102.
[74] The foregoing is merely a preferred example of the present invention
and is not intended to
limit the invention, and any modifications, equivalent substitutions and
improvements

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within the spirit and principles of the invention are intended to be included
in the scope of
the invention.

Representative Drawing