Note: Descriptions are shown in the official language in which they were submitted.
Online Payment System and Online Payment System-Based
Social Networking Platform Construction Method
Technical Field
[1] The present invention relates to the field of network payment
technology, and more
particularly, to an online payment system and a social platform building
method based
on an online payment system.
Background Technology
[2] With the rapid development of Internet technology, user payment
behaviour is slowly
changing, and people are paying more and more on the Internet. In order to
facilitate
users' online payment behaviours, various payment platforms have been
developed, for
example, online banking of major banks, Alipay and other commodity. The
various
payment platforms mentioned above can interface with major banks to provide
users
with online fund transfer services and dynamically track the flow of funds
between users
or to guarantee the payment behaviour of users. When the payment process is
completed, the payment relationship between payees established by the payment
action
is released. That is, in the existing technology, various payment platforms
are focused
on how to utilize the online payment behaviour of users to provide more and
more
convenient services to users, and the large amount of user information
involved in
online payment behaviour is not effectively utilized.
Summary of the Invention
[3] The technical problem to be solved by the present invention lies in
that, the major
payment platforms in the existing technology are focused on how to use the
user's online
payment to provide more convenient services for the users, the huge amount of
user
information involved in user online payment behaviour has not been effectively
utilized,
providing an online payment system and a social networking platform
construction
method based on online payment system.
[4] The technical solution adopted by the present invention to solve the
technical problem
of the present invention is to construct an online payment system that
includes the first
bank server that provides the bank account information of the paying party,
the second
bank server that provides the account information of the recipient, and the
online
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payment platform.
[5] The online payment platform generates the electronic money equivalent
to the payment
amount when receiving the payment request including the bank account
information of
the paying party, the bank account information of the paying party and the
payment
amount, and delivers the electronic money including the electronic money and
the bank
account information of the paying party to the first bank server providing the
bank
account of the payer:
[6] The first bank server is used to extract the electronic money in the
payment prompt
information and receive the payment prompt information, and allocate the
electronic
money to a second bank server providing the payee bank account;
[7] The online payment platform is used to collect the user information of
the payer and the
payee who have completed online payment via the online payment system, and
construct an information exchange for multi-user based on the collected user
information and social sharing platform.
[8] In the above online payment system of the present invention, the online
payment
platform includes:
[9] A wireless communication module is used for performing signal
transceiver between at
least one first bank server, the online payment platform and at least one
second bank
server;
[10] The control module is used to generate an electronic money equal to
the payment
amount when receiving an online payment request containing the payment bank
account
information, the payee bank account information and the payment amount through
the
wireless communication module, and instruct a first bank server providing the
payer's
bank account transfers the electronic money to a second bank server providing
the
payee's bank account;
[11] A database is used to store the registration information of users who
have access to the
fast payment service;
[12] A transaction record generation module is used to read a payment party
involved in the
payment transaction in the database when a payment party and a payee party
complete a
payment transaction via the online payment system, and the user registration
information of the payee generates a payment transaction record according to
the user
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registration information of the payer, the user registration information of
the payee and
the payment amount of the payment transaction, and stores the payment
transaction
record into the database;
[13] The social platform building module is used to search every payment
transaction record
in the database and extract a user information in each payment transaction
record, which
contains the basic information of the payment party and the basic information
of the
payee and based on the extracted multiple user information, a cross-domain
social
platform for multi-user interaction and sharing is built.
[14] The present invention also constructs a social platform building
method based on an
online payment system including a first bank server providing payer bank
account
information, a second bank providing payee bank account information server,
and online
payment platform, the method includes the following steps:
[15] SI) The online payment platform generates a payment transaction record
according to
an online payment transaction completed by the online payment system;
[16] S2) The online payment platform reads the user information including
the basic
information of the payer and the basic information of the payee in the payment
transaction record, and builds a social platform for information exchange and
sharing
among multiple users based on the user information.
[17] In the method for constructing a social platform based on online
payment according to
the present invention, before the step S I , the method further includes the
following
steps:
[18] S01) Record the registration information of the users who have access
to the online
payment platform and store the user registration information to the database.
[19] In the above method for constructing a social platform based on an
online payment
system of the present invention, the method further includes the following
steps between
the step SO1 and the step SI :
[20] S011) The online payment platform provides security verification for
the payment
party's login operation.
[21] In the above method for constructing a social platform based on online
payment system
of the present invention, in step S I , the online payment platform generates
a payment
transaction record according to an online payment transaction completed
through the
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online payment system. The steps include:
[22] S11) When the online payment platform receives a payment request for
an amount
submitted by the payer, the first bank server instructing the payer bank
account to
perform the fund transfer operation to the second bank server providing the
payee bank
account;
[23] S12) When the online payment platform receives prompt information
indicating that the
payment of funds by the first bank server is successful and returned by the
first bank
server, read the registration information of the payer and the payee involved
in the
payment transaction in the database, and generating a payment transaction
record
according to the payer registration information, the payee registration
information and
the payment amount of the payment transaction.
[24] In the above method for constructing a social platform based on an
online payment
system of the present invention, the following steps are further included
between the
step S11 and the step S12:
[25] S111) When receiving the payment request for cancelling the fund
submitted by the
payer within a preset time after the online payment platform issues the fund
transfer
request to the first bank server, the online payment platform instructs the
bank server
stops performing the fund transfer operation.
[26] In the above method for constructing a social platform based on an
online payment
system of the present invention, the step S12 also includes: the online
payment platform
extracts the basic information of the payer and the basic information of the
payee in
each payment transaction record generated by the online payment platform to
obtain
multiple sets of user information.
[27] In the above method for constructing a social platform based on an
online payment
system of the present invention, the step S2 also includes the following
steps: the online
payment platform integrates the extracted multiple groups of user information
with the
existing user information in the social networking platform constructed by the
online
payment platform so as to expand the size of the user base of the social
platform and
gradually form a cross-domain for information exchange and sharing among
multiple
users social platform.
[28] In the method for constructing a social platform based on online
payment according to
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the present invention, after the step S2, the method further includes the
following steps:
[29] S3) Monitor whether new release information is generated on the cross-
domain social
platform and when new release information generated on the cross-domain social
platform is monitored, determine a new source user of release information and
the
information source user establishes all other users of the social
relationship, searches for
user registration information of other users in the database, and pushes the
page link
address of the social platform to each contact mailbox in each user
registration
information;
[30] Or monitoring whether new message information is generated on the
cross-domain
social platform and determining at least one designated receiving user of the
new
message when monitoring new message information generated on the cross-domain
social platform, and push the new message to the at least one designated
receiving user.
[31] Since the online payment system of the present invention and the
social platform
building method based on the online payment system adopt the method of
collecting
huge user information related to online payment transactions conducted through
the
online payment platform, and based on the collected user information,
construct a
technical solution for a cross-domain social platform for information exchange
and
sharing among users all over the world, it overcomes the problem that each
payment
platform in the existing technology focuses on how to utilize user online
payment
behaviour to provide users with more and more convenient services, and the
huge
amount of user information involved in the online payment behaviour of users
has not
been effectively utilized, thus achieving the following beneficial effects: 1)
The online
payment system has an online quick payment function,which can provide great
convenience for users' online payment behaviour; 2) Based on the online
payment
system, the invention provides a platform for users to communicate and
interact with
each other in various parts of the world, which facilitates the development of
online
payment methods.
Brief Description
[32] Figure 1 is a schematic structural diagram of an online payment system
according to a
preferred example of the present invention;
[33] Figure 2 is a structural block diagram of the online payment platform
of the online
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payment system shown in Figure 1;
[34] Figure 3 is a flowchart of an online payment method based on an online
payment system
according to a preferred example of the present invention;
[35] Figure 4 is a flowchart of a method for constructing a social platform
based on an online
payment system according to a preferred example of the present invention.
Description of the Preferred Examples
[36] In order to solve the problems existing in the existing technology,
various payment
platforms focus on how to utilize the online payment behaviour of users to
provide more
and more convenient services to users, and the huge user information involved
in the
online payment behaviour of users. The present invention has the following
innovations:
I) The user can open multiple different electronic bank accounts through the
online
payment platform 200 of the present invention, and the online payment platform
200 of
the present invention can perfectly support peer or interbank funds 2) The
online
payment platform 200 of the present invention supports the online payment
cancellation
function, and the user can stop the performed bank fund transfer service
through the
online payment platform 200 within a certain period of time. 3) The online
payment
platform 200 of the present invention may continuously collect user
information related
to online payment via online payment system and construct a cross-domain
social
platform for information exchange and sharing among users all over the world
based on
the collected huge user information.
[37] Since the present invention adopts the method of collecting huge user
information
related to the online payment transactions conducted through the online
payment
platform 200 and constructing an application for information exchange among
users in
all parts of the world based on the collected user information and sharing of
cross-domain social platform design, thus solving the existing technology
payment
platforms are mainly used to track the online payment behaviour of users, and
the user
online payment behaviour involves a huge amount of user information and the
technical
problems that have not been effectively utilized have achieved the following
objectives:
1) The online payment system of the present invention has an online quick
payment
function and a payment cancellation function, which can provide great
convenience for
users' online payment behaviour. 2) Based on the online payment system, the
invention
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provides a platform for users to communicate and interact with each other in
various
parts of the world, which facilitates the development of online payment
methods.
[38] 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.
[39] As shown in Figure 1, the online payment system of the present
invention includes at
least one first bank server 100 corresponding to at least one payer user
account, an
online payment platform 200 establishing wireless communication with the at
least one
first bank server 100. At least one second bank server 300 establishing
wireless
communication with the at least one first bank server 100 and the online
payment
platform 200.
[40] The online payment platform 200 is used to deliver the payment prompt
information
including the payment amount and the payee's user account information to the
payment
request receiving the payment request including the payment amount and the
payee's
user account information is delivered to the first bank server 100
corresponding to the
payer's bank account.
[41] When receiving the payment prompt information, the first bank server
100 receives the
message for payment, and the payment of electronic currency will prompt
payment of
the matching information from the payment of bank accounts and the
corresponding
bank server 100 allocated to the first collecting bank account corresponding
to the
second bank server 300.
[42] The online payment platform 200 is also used to, when a payment
request for cancelling
the fund submitted by the user is received within a preset time T of
delivering the fund
transfer request to the first bank server 100, instruct the first The bank
server 100 stops
the fund transfer operation.
[43] The online payment platform 200 is also used to collect the user
information of the
payer and the payee who have completed online payment operation via the online
payment system, and construct an information exchange for multi-user based on
the
collected user information and social sharing platform.
[44] As shown in Figure 2, the online payment platform 200 of the present
invention
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includes a control module 205, a wireless communication module 201
electrically
connected to the control module 205, a transaction record generation module
202, and
an electronic record generation module 202 electrically connected to the
transaction
record generation module 202 Database 203 and social platform building module
204.
[45] The wireless communication module 201 is used to deliver and receive
messages
between at least one of the first bank servers 100, the online payment
platform 200 and
at least one second bank server 300.
[46] The control module 205 is used to receive a payment request that
includes the bank
account information of the payer, the bank account information of the payee,
and the
payment amount, instruct the first bank server 100 corresponding to the payer
bank
account to execute the fund transfer transaction to the second bank server 300
corresponding to the payee bank account;
[47] The database 203 is used to store the registration information
(including name, address,
telephone number, zip code, ID card, email address, login account and login
password
of the online payment platform 200, at least one valid user account
information).
[48] The transaction record generation module 202 is used to read a payment
party involved
in the payment transaction in the database 203 when a payment / receipt party
completes
a payment transaction via the online payment system of the present invention
and the
payee's registration information, generates a payment transaction record
according to the
payment user registration information, the payee's user registration
information and the
payment amount of the payment transaction, and stores the payment transaction
record
in the database 203.
[49] The social platform building module 204 is used to search every
payment transaction
record in the database 203 and extract a user information in each payment
transaction
record, which contains the basic information of the payment party and the
basic
information of the payee and based on the extracted multiple user information,
a
cross-domain social platform for multi-user interaction and sharing is built.
[50] In the present invention, the wireless communication module 201 may be
an existing
server wireless network card. The control module 205, the transaction record
generation
module 202 and the social platform building module 204 may be existing server
CPUs.
[51] In the following, the flow of the online payment method based on the
online payment
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system according to the present invention will be described by taking the
preferred
process of the present invention as an example.
[52] As shown in Figure 3, in step S101, the user opens a registration
interface of the online
payment platform 200 to perform a quick payment service and performs a
registration
operation on the registration interface. The online payment platform 200
records each
user registration information, and stores the recorded user information in the
database
203.
[53] In step S102, the payer needs to perform an online payment transaction
(for example,
online payment of commodity, recharging, repayment), and logs in to the online
payment platform 200 according to the account and password applied for by the
online
payment platform 200. The online payment platform 200 performs security
verification
on the login operation of the payer and receives a payment request submitted
by the
payer and containing the payer user account, the payee user account and the
payment
amount.
[54] In step S103, the online payment platform 200 delivers the payment
prompt information
containing the payee's bank account and the payment amount to the first bank
server 100
corresponding to the payer's bank account according to the payment request.
[55] In step S104, when the first bank server 100 receives the payment
prompt message,
electronic money equivalent to the payment amount in the payment prompt
message is
transferred from the first bank server 100 to the second bank server 300
corresponding
to the bank account of the paying party.
[56] In step S105, if the payer submits the payment request for cancelling
the fund through
the online payment platform 200, and cancelling the payment request of the
fund
without exceeding the preset time T (i.e. 24H), the next step S106 is
executed: If the
payer submits the payment request for cancelling the fund through the online
payment
platform 200, and the payment request cancellation time for cancelling the
fund has
exceeded the preset time T (i.e., 24H), the next step S107 is executed.
[57] In step S106, when the online payment platform 200 receives the
payment request for
cancelling the money, the first bank server 100 is instructed to suspend the
electronic
money transfer operation equivalent to the money.
[58] In step S107. the execution of the fund transfer operation by the
first bank server 100
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takes effect. The second bank server 300 receives the fund and delivers the
first bank
server 100 the fund payment success message. The first bank server 100
receives
prompt information indicating that the payment of funds is successful, and
delivers the
prompt information that the funds payment is successful to the online payment
platform
200.
[59] The flow of the method for constructing a social platform based on
online payment
system of the present invention will be described below by taking the
preferred example
of the present invention as an example:
[60] As shown in Figure 4, in step S108, the online payment platform 200
receives, through
the wireless communication module 201, prompt information indicating that any
payment of funds returned by the first bank server 100 is successful.
[61] In step S109, the transaction record generation module 202 searches
the database 203
for the user registration information of the payer / payee involved in the
fund
transaction, a payment transaction record is generated according to the user
registration
information of the payer, the registered information of the recipient and the
amount of
payment.
[62] In step 5110, the social platform building module 204 extracts a
collection of user
information including the basic information of the payer and the basic
information of
the payee in the payment transaction record, and builds a collection of user
information
for the payer and the receiver according to the set of user information
exchange between
people and sharing of the initial social platform.
[63] In step S111, when the online payment platform 200 receives the prompt
message
indicating that another payment of money returned by the first bank server 100
is
successful through the wireless communication module 201, the next step S113
is
executed; otherwise, no operation is performed.
[64] In step S113, the payment transaction generation module searches the
database 203 for
the user registration information of the payer / payee involved in the payment
transaction, and based on the payer user registration information, the payee
user
registration information and the payment amount generates a new payment
transaction
record.
[65] In step S114, the social platform building module 204 extracts the new
user information
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that includes the basic information of the payer and the basic information of
the payee in
the new payment transaction record, and the new user information is integrated
with the
original user information in the social platform to expand the existing user
base of the
social platform. The social platform building module 204 continuously
integrates the
acquired new user information with the original user information in the social
platform
to gradually form a cross-domain social platform for information exchange and
sharing
among multiple users. After the execution of step S114 is completed, jump to
step Sill.
[66] In step S115, the online payment platform 200 performs the information
monitoring of
the cross-domain social platform constructed by it.
[67] In step S116, when monitoring the newly posted information generated
on the
cross-domain social platform, the online payment platform 200 first determines
the
information source user of the information and all other users who have
established the
social relationship with the information source user, and then searches the
database 203
for the user registration information of the other users in the database 203
and pushes
the page link information across the social platforms to each contact mailbox
in each
user registration information.
[68] Alternatively, when monitoring the new message information generated
on the
cross-domain social platform, the online payment platform 200 determines at
least one
designated receiving user of the new message and pushes the new message to the
at least
one designated receiving user.
[69] 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
within the spirit and principles of the invention are intended to be included
in the scope
of the invention.
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