Note: Descriptions are shown in the official language in which they were submitted.
Network payment method and system
Technical Field
The present invention relates to the field of E-commerce technology filed, and
more
particularly to a network payment method and system.
Background Technology
E-commerce has become increasingly widely used in a variety of commercial
trade
activities, the so-called e-commerce is a business operation model that based
on the browser
and server applications helps consumer realize online shopping, online
transactions between
merchants and online electronic payments, as well as a variety of business
activities, trading
activities, financial activities and related integrated service activities in
the commercial
trade, and in the Internet open network environment.
Currently, the on-line electronic payment (network payment) mainly includes
two
methods: E-bank payment (including credit card payment) and third party
payment. The
general process for on-line payment based on the Internet platform is as
follows:
1) The payer (client, buyer) to browse the commodity on-line, select the
goods, fill in the
network order, select the application of the network payment and settlement
tools,
and be authorized by the bank, such as bank cards, electronic wallet,
electronic cash,
electronic check or network bank account etc.
2) The client encrypts the relevant order information (such as payment
information) and
submits the order on-line. The merchant server checks the client's
subscription
information, confirms, and forwards the relevant, encrypted client payment
information to the payment gateway. The authorization of payment funds is
validated
by electronic currency issuing institutions such as Bank until the bank's
special
network of background business server confirms.
3) After the bank's validation, confirming and sending the settlement
information to the
merchant server through the established encrypted communication channel of the
payment gateway. For further security, the payment party sends back the
payment
authorization request (and may not).
4) After the bank obtains further authorization information from the payer,
the funds will
be transferred from the payer's account to the e-commerce bank account of the
merchant, and the settlement is carried out on the basis of financial private
network,
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and the successful information of payment settlement is delivered to merchant
and
payers respectively.
5) After receiving the settlement information from the bank, the merchant
server delivers
the success information of network payment and delivery notification to the
payee.
As a result, a typical network payment settlement process ends. Businesses and
clients can use the network to check their own funds balance information in
order to
further checking.
As can be seen from the above process, the credit bottleneck in the settlement
process of
on-line electronic payment (network payment) is always an obstacle in the
development
process of e-commerce. In the current on-line electronic payment method, it is
less risky to
guarantee the company with a third party payment company. However, if using
the guarantee
form of a third party payment company, the client's funds of the payment party
(payment
party) will be paid to the third-party payment company when their commodities
are not
received, once the third party payment company having problems, the funds of
clients of
payer cannot be guaranteed, therefore, using the form of third-party payment
company
guarantee, the risk of client of payer is still relatively big.
Therefore, an improved network payment method and system is required.
Summary of the Invention
The purpose of this invention is to provide a network payment method and
system,
solving the problem of funds risk of a client of payer in the existing network
payments.
The present invention is realized in this way: a network payment method is
used in a
network payment system including a first type bank server, a first type
client, a second type
bank server, a second type client, a logistics server and a network payment
server, the
network payment method including the following steps: a first type client
delivered the
request information to the network payment server so that to applicate a
commitment paying
information data packet; the network payment server according to the first
type client
delivered the request information to generate a temporary commitment paying
information
packet and delivered the it to the first type bank server; the first type bank
server received the
temporary commitment paying information data transmitted by network payment
sever and
verified the temporary commitment paying information data packet; if the
verification is
successful, the first type bank server generated a commitment paying
information packet
based on the temporary commitment payment information packet, and freeze the
funds. The
steps of first type client determines whether to suspend the payment of funds;
if the
suspension of the payment is required, the first type client shall submit a
ruling application to
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the public authority and delivering an application of payment period extension
to the network
payment server; and if the termination is required, the first type bank server
informs the
network payment server that the commitment paying information data packet is
invalidated
and the steps of network payment server freeze the frozen funds.
Preferably, the first type client submits a ruling application to the public
authority and
delivers an application of payment period extension to the network payment
server also
including: after the network payment server receives the extension application
delivered by
the first type client, the step of extending the payment period of the funds;
and the step of the
first type bank server receives the notification from the public authority.
Preferably, the first type bank server informs the network payment server of
the failure
of the committed paying information data packet to release the frozen funds of
the network
payment server also including the following steps: a step of the network
payment server
receives the notification about the failure of the commitment paying
information data packet
from the first type bank server and delivered the released funds information
to the first type
bank server; after the first type bank server receiving the notification of
the frozen
information from the network payment server, the steps of releasing the funds
related to the
first type client.
Preferably, the network payment method also includes the following steps: the
second
type bank server receives the information of frozen funds transmitted by the
first type bank
server and delivers the information of frozen funds to the second type client;
the second type
client receives the information of frozen funds delivered by the second type
bank server and
generates the deliverable information and delivers the information to the
logistics server.
Preferably, the network payment method also includes the following step: the
logistics server
receives the deliverable information delivered by the second type client and
carry out a
delivery operation and transmits the delivered information to the network
payment server.
Preferably, the network payment method also includes the following step:
network
payment server receives the shipment information delivered by the logistics
server, and sends
the deliverable information to the first type bank server.
Preferably, the network payment method also includes the following steps:
delivering
the signed information to the network payment server after the commodity are
received.
Preferably, the network payment method also includes the following steps: the
network
payment server delivers the signed information to the first type bank server
after receiving the
signed information delivered by the logistics server.
Preferably, the network payment method also includes the following steps:
delivering
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the payment request key information to the network payment server after
receiving the signed
information by the first type bank server; the network payment server saving
the payment
request key information and delivering the payment request key information to
the second
type client; the second type client receives the payment request key
information delivered by
the second type client and delivered the payment request key information to
the second type
bank server; and the second type bank server generates payment request
information based on
the payment request key information, and delivers the payment request
information to the
first type bank server.
Preferably, the network payment method also includes the following steps: the
first type
bank server receiving payment request information delivered by the second type
bank server
and checking the accuracy of payment request key information in the payment
request
information, if the verification is correct, the payment process is made to
the payment bank
and the information of the payment has been returned to the second type bank
server.
The present invention also provides a network payment system including: a
first type
banking server, a first type client, a second type bank server, a second type
client, a logistics
server and a network payment server, wherein: the first type client, which is
applied to the
payment client, is connected with the first type bank server, the logistics
server and the
network payment server, and delivers the application information to the
network payment
server according to the instructions of the payment client to apply for a
commitment payment
information data packet and terminate the payment of funds in the payment
process. If the
payment need to be suspended, the first type client makes a ruling application
to the public
authority and delivers the payment period extension application to the network
payment
server; The network payment server is connected to the first type client, the
first type bank
server, the second type client and the logistics server, the request
information based on the
first type client is generated into a temporary commitment paying information
data packet,
and delivers the temporary commitment paying information data packet to the
first type bank
sever; the first type bank server is applied to the payment bank, and is
connected to the first
type client, the second type bank server, and the network payment server,
checking the
temporary commitment paying information data packet after receiving it, if the
verification is
successful, the first type bank server generated commitment paying information
data packet
based on the temporary commitment paying information data packet and freeze
the funds.
Delivers the information of frozen funds to the second type bank server, and
if the
termination payment is required during the payment process, the first type
bank server
informs network payment server that commitment paying information data packet
is invalid
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and adopts the network payment server to release the funds; and the second
type bank server
is used for payment bank and associated with the first type bank server and
the second type
client, which is used for receiving the information of frozen funds delivered
by the first type
bank server and delivers the information to the second type client; The second
type client is
applied to the receiving client, and is connected to the second type bank
server, the logistics
server, and the network payment server. Receiving the information of frozen
funds delivered
by the second type bank server to generate deliverable information, deliver
the deliverable
information to the logistics server for delivery; and the logistics server is
applied to the
logistics enterprise, and is connected to the first type client, the second
type client and the
network payment server, and after receiving the deliverable information sent
by the second
type client, the shipping operation is performed and sending the deliverable
information to
the network payment server.
Preferably, the network payment server extends the payment period of the funds
after
receiving the postponement extension request delivered by the first type
client, and the first
type bank server accepts the notice and result of the adjudication from the
public authority.
Preferably, the network payment server delivers the released funds information
to the
first type bank server after receiving a notification about the failure of the
commitment
paying information data packet from the first type bank server; and the first
type bank server,
after receiving the released fund information from the network payment server,
releases the
funds connected with the first type client.
Preferably, the network payment server also sends the signed information to
the first
type of bank server upon receipt of the signed information sent by the
logistics server and,
upon receipt of the first type The payment request key information sent by the
bank server
and stores the payment request key information and sends the payment request
key
information to the second type client.
Preferably, the second type of client terminal transmits the payment request
key
information to the second type of bank server after receiving the payment
request key
information transmitted by the network payment server.
Preferably, the second type of bank server also generates the payment request
information upon receipt of the payment request key information transmitted by
the second
type of client terminal, and transmits the payment request information to the
A type of bank
server, and upon receipt of the payment information sent by the first type of
bank server, the
payment service is performed to the payee client. Preferably, the first type
bank server is also
used for receiving the signed information, and delivers the payment request
key information
CA 3048370 2019-06-28
to the network payment server, the payment request information received from
the second
type bank server shall be paid to the payment bank and delivers the feedback
of payment
information to the second type bank server.
Preferably, the logistics server also delivers the signed information to the
network
payment server and the second type client after the payment client has signed
the commodity.
With the network payment method and system provided by the present invention,
for the
client, it is only freeze the funds, not to pay the funds, which reduce the
risk of funds and
protect the interests of the payment clients.
Brief Description
In order to specifically illustrate the examples of the invention or the
technical solutions
in the current technology, the following drawings, which are to be used in the
description of
the examples or the current technology, will be briefly described, and it will
be apparent that
the following accompanying drawings, which are merely exemplary of the
invention, may be
made by those of ordinary skill in the art in view of the accompanying
drawings, in which the
drawings of other examples may be obtained without departing from the
inventive work.
Figure 1 is a schematic diagram of a network payment system provided by the
present
invention.
Figure 2A-2C is a flowchart of the network payment method provided by the
present
invention.
Description of the Preferred Examples
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 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.
Please refer to Figure 1, it is a schematic diagram of a network payment
system 100
provided by the present invention. As shown in Figure 1, the network payment
system 100
includes a first type bank server 110, a first type client 111, a second type
bank server 120, a
second type client 121, a logistics server 130, and a network payment server
150.
The first type client 111 is applied to the payment client, which is connected
to the first
type bank server 110, the logistics server 130, and the network payment server
150. When the
payment client determines the purchase of the commodity and delivers the
application
information according to the instruction of the payment client to the network
payment server
150 for applying a commitment paying information data packet (e.g., a bank
credit
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certificate), wherein the application information includes a payment bank, a
payment amount,
and payment currency information. The first type client 111 also determines
whether or not to
suspend the payment of funds after receiving the settlement prompt from the
second type
client 121 based on the situation. If the payment is not terminated, the
network payment
server 150 will conduct the liquidation and immediately transfers funds to the
account
associated with the second type client. In addition, if terminate the payment
(for example, the
payment client objected to the transaction), the first type client 111 apply
for an adjudication
application to the public authority (not shown) and delivers an extension to
the network
payment server 150 so that the network payment server 150 extends the
prepayment period of
the funds.
The network payment server 150 is connected to the first type client 111, the
first type
banking server 110, the second type client 121, and the logistics server 130,
and generates the
temporary commitment paying information data packet based on the application
information
delivered from the first type client 111. And delivers the temporary
commitment paying
information data packet to the first type bank server 110. The network payment
server 150
also delivers the signed information to the first type bank server 110 after
receiving the
signed information of the logistics server 130 and saves the information after
receiving the
payment request key information delivered by the first type bank server 110
and delivers it to
the second type client 121, wherein the payment request key is the password
for releasing the
funds. The network payment server 150 also extends the payment period of the
related funds
after receiving the payment extension request delivered by the first type
client 111. The
network payment server 150 also delivers the released funds information to the
first type
bank server 110 after receiving notification of the failure of the commitment
paying
information data packet (e.g., bank credit certificate) from the first type
bank server 110.
The first type bank server 110 is applied to the payment bank, which is
connected to the
first type client Ill, the second type bank server 120, and the network
payment server 150,
and receives the temporary commitment paying information data packet delivered
by the
network payment server 150 for checking. If the verification is successful
(that is, the
information of the temporary commitment paying information data packet is
legal), the
authorization is successful, and the first type bank server 110 generates the
commitment
paying information data packet based on the temporary commitment paying
information data
packet (For example, a bank credit certificate), and freezing the funds, and
information of
frozen funds is delivered to the second type bank server 120. If the
verification fails (i.e., the
information of the temporary commitment paying information data packet is
illegal), delivers
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the feedback of rejection information to the first type client 111 and the
network payment
server 150. The first type bank server 110 is also used for receiving the
signed information,
and delivers the payment request key information to the network payment server
150, the
payment request information received from the second type bank server 120
shall be paid to
the payment bank and delivers the feedback of payment information to the
second type bank
server 120. The first type banking server 110 also receives the award
acceptance notification
and results from the public authority (not shown) after the public authority
(not shown)
receives the ruling application from the first type client terminal 111. If
the ruling result is
continue to pay, the network payment server 150 will conduct the liquidation
and
immediately transfers funds to the account associated with the second type
client. If the
ruling result is terminated paying, the first type bank server 110 notifies
the network payment
server 150 that the commitment paying information data packet (e.g., bank
credit certificate)
is invalid. In addition, commitment paying information data packet (for
example, bank credit
certificate) may also be invalidated due to overdue receipt, overdue
performance, overdue
payment and other reasons. The first type bank server 110 also released the
funds connected
with the first type client 111 after receiving the released funds information
from the network
payment server 150.
The second type client 121 is applied to the receiving client, which is
connected to the
second type bank server 120, the logistics server 130, and the network payment
server 150,
and the second type client 121 receives the information of frozen funds
delivered by the
second type bank server 120 and generates the deliverable information (deliver
the payment
prompt to network payment server 150, first type bank server 110 and first
type client 111 at
the same time) and the delivery information is sent to the logistics server
130 to apply for the
delivery, and delivers the payment request key information to the second type
bank server
120 after receiving the payment request key information delivered from the
network payment
server 150.
The second type bank server 120 is applied to the receiving bank, which is
connected to
the first type bank server 110 and the second type client 121 to receive the
information of
frozen funds delivered by the first type bank server 110 and delivers the
information of frozen
funds to the second type client 121. The second type bank server 120 also
generates the
payment request information after receiving the payment request key
information delivered
by the second type client 121, and delivers the payment request information to
the first type
bank server 110, and after receiving the payment information delivered by the
first type bank
server 110, conducting the payment service to the receiving client.
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The logistics server 130 is applied to a logistics enterprise, which is
connected to a first
type client 111, a second type client 121, and a network payment server 150,
after receiving
the deliverable information delivered by the second type client 121, conducts
a delivery
operation and delivers the delivered information to the network payment server
150. The
logistics server 130 also delivers the signed information to the network
payment server 150
and the second type client 121 after the payment client has signed it.
After the description of the example in Figure 1, the technicians in the field
of
technology should understand that the first type client 111 and the second
type client 121 may
be integrated on the same client device, such as a mobile phone, a computer, a
PDA, or a
POS, similarly, the first type bank server 110 and the second type bank server
120 may also
be integrated on the same banking device; the payment bank and the receiving
bank could be
the same bank.
In the above payment process, the network payment server 150 plays a critical
role. The
network payment server 150 is an electronic payment platform and a tool based
on bank-level
credit (e.g., bank credit certificate). The bank credit certificate is a kind
of Internet innovation
financial instrument paid by bank credit guarantee. Advantageously, the bank
credit vouchers
in accordance with the core principles of international letters of credit,
collect the advantages
of promissory notes, guarantees, acceptance bills, electronic letters of
credit and many other
financial products, also combined with Internet technology, fully adapt and
meet the needs of
the Internet economy new financial instruments, with wide applicability of
cross-platform,
across the bank, the whole field, the full application. Specifically, the
function of the bank
credit certificate may include issuing, receiving, submitting the performance
information,
submitting the payment information, suspending the payment, triggering the
payment, and the
payment, etc.
Bank credit certificate will provide different series of bank credit product
standards
according to the characteristics of the transaction, which include the
following:
1) Series 1: the main target of the transactions is the transaction of non-
physical
commodity, that is, all kinds of non-physical commodity transactions. In
particular,
Series 1 is temporarily replaced by CP300;
2) Series 2. The main target of the transactions is the transaction of
physical commodity,
that is, all kinds of physical commodity transactions. In particular, Series 1
is
temporarily replaced by CP500. (Such as: electronic appliances, clothing
department
stores ... ... and other related transactions);
3) Series 3. The main target of the transaction is the transaction which is
confirmed by
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the relevant public authorities, that is, all kinds of special commodity
transactions. In
particular, Series 1 is temporarily replaced by CP700. (For example: real
estate, car
equity transactions .... and other related transactions).
Note that while the examples herein are described in connection with bank
credit
credentials, those skilled in the art will appreciate that other electronic
payment platforms and
tools based on bank-level credit may be used to implement the present
invention.
Figure 2A-2C is a flowchart of a network payment method 200 which is provided
by the
present invention. Figure 2A-2C will be used for describing Figure 1. As shown
in Figure
2A-2C, the present invention provides a network payment method 200 including
the
following steps:
Step S201: The first type client 111 requests the network payment server 150
to
subscribe to the paying information data packet (for example, bank credit
certificate), that is,
the first type client 111 delivers the application information to the network
payment server
150 according to the instruction of the payment client to apply for a
commitment paying
information data packet. The application information including: the payment
bank, the
payment amount and payment currency information.
Step S203: The network payment server 150 generates a temporary commitment
paying
information data packet, that is, the network payment server 150 generates a
temporary
commitment paying information data packet based on the application information
delivered
from the first type client 111, and delivers the temporary commitment paying
information
data packet to the first type bank server 110.
Step S205: The first type bank server 110 checks the temporary commitment
paying
information data packet, that is, the first type bank server 110 receives the
temporary
commitment paying information data packet delivered from the network payment
server 150
and then checks the temporary commitment paying information data packet, and
if the
verification is successful (i.e., the information of the temporary commitment
paying
information data packet is legal), step S207 is executed, and if it fails
(i.e., the information of
the temporary commitment paying information data packet is illegal), step S209
is executed.
Step S207: The first type bank server 110 generates a commitment paying
information
data packet (for example, a bank credit certificate) based on the temporary
commitment
paying information data packet and freezes the funds, delivers the information
of frozen
funds to the second type bank server 120.
Step S209: The first type bank server 110 returns the rejection information to
the first
type client 111 and the network payment server 150.
CA 3048370 2019-06-28
Step S211: The second type bank server 120 receives the information of frozen
funds
delivered by the first type bank server 110 and delivers the information of
frozen funds to the
second type client 121.
Step S213: The second type client 121 receives the information of frozen funds
delivered by the second type banking server 120 and generates the deliverable
information,
and sends the deliverable information to the logistics server 130.
Step S215: The second type client 121 submits the payment to the network
payment
server 150, the first type bank server 110, and the first type client 111
respectively at the same
time (also before or after step S213) in step S213.
Step S217: The first type client 111 determines whether or not to suspend the
payment of
funds after receiving the payment prompt from the second type client 121 based
on the
situation. If the payment is not terminated (i.e., continue paying), step S219
is executed.
Step S219: The logistics server 130 receives the deliverable information
delivered from
the second type client 121, carries out a delivery operation, and transmits
the delivered
information to the network payment server 150.
Step S221: The network payment server 150 receives the shipment information
delivered from the logistics server 130 and delivers the shipment information
to the first type
bank server 110, wherein the shipment information includes the logistics
number.
Step S223: After the commodity is signed, the logistics server 130 delivers
the signed
information to the network payment server 150 and the second type client 121,
wherein the
signed information includes the details of the receipt, such as the receiving
time, the person's
signature or other person's signature etc.
Step S225: The network payment server 150 receives the signed information
delivered
from the logistics server 130 and delivers the signed information to the first
type bank server
110.
Step S227: The first type bank server 110 delivers the payment request key
information
to the network payment server 150 after receiving the signed information,
wherein the
payment request is a request to cancel the freezing of the funds, and the
payment request key
information is the password to remove the frozen funds.
Step S229: The network payment server 150 saves the receiving payment request
key
information and delivers the payment request key information to the second
type client 121.
Step S231: The second type client 121 receives the payment request key
information
delivered from the network payment server 150 and delivers the payment request
key
information to the second type bank server 120.
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Step S233: The second type bank server 120 also generates the payment request
information based on the payment request key information after receiving the
payment
request key information delivered from the second type client 121 and delivers
the payment
request information to the first type bank server 110, wherein the payment
request
information includes payment request key information.
Step S235: The first type bank server 110 pays to the payment bank after
receiving the
payment request information from the second type bank server 120 and delivers
the feedback
of payment information to the second type bank server 120. The first type bank
server 110,
checks the accuracy of the payment request key information after receiving the
payment
request information, and carries out the payment operation only if the
verification is correct.
After the payment bank receives the funds, the funds are transferred to the
receiving
account of the client, and the whole online payment process is completed.
Continue to the step S217, if it is required to terminate the payment (for
example, the
payment client objected to the transaction), step S237 is executed: the first
type client 111
applies for a ruling application to the public authority (not shown) and
delivers an application
of payment period extension to the network payment server 150 so that the
network payment
server 150 extends the prepayment period of the funds.
Step S239: The network payment server 150 extends the payment period of the
related
funds after receiving the payment extension request delivered by the first
type client 111.
Step S241: The first type banking server 110 receives the notification of
ruling
acceptance and results from the public authority (not shown) after the public
authority (not
shown) receives the ruling application from the first type client 111.
Step S243: If the result of ruling received from the public authority is the
payment, then
return back to execute the step S219 and its following steps. If the result of
ruling is
terminating the payment, the step S245 is executed.
Step S245: The first type of bank server 110 notifies the network payment
server 150
that the commitment paying information data packet (e.g., bank credit
certificate) is invalid.
In addition, commitment paying information data packet (for example, bank
credit certificate)
may also be invalidated due to overdue receipt, overdue performance, overdue
payment and
other reasons.
Step S247: The network payment server 150 delivers the released funds
information to
the first type bank server 110 after receiving notification of the failure of
the commitment
paying information data packet (e.g., bank credit certificate) from the first
type bank server
110.
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Step S249: The first type bank server 110 released the funds connected with
the first
type client 111 after receiving the released funds information from the
network payment
server 150. The payment bank re-transfers the funds to the payment client's
account, and the
entire on-line payment process is completed.
The network payment method and method provided by the present invention, for
the
client, it is only freeze the funds, not to pay the funds, which reduce the
risk of funds and
protect the interests of the payment clients. In addition, the network payment
method and
method provided by the present invention does not require the payment client
to confirm the
receipt, and as long as the logistics returns the signed information, the
receiving client can
receive the funds, therefore, it reduces the funds risk of the receiving party
and protect the
interests of the receiving client.
The above mentioned is merely illustrate the preferred examples of the present
invention
and is not intended to limit the invention, and any modifications, equivalent
replacement and
improvement in the spirit and principles of the invention shall be included in
the protection of
the invention.
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