Note: Descriptions are shown in the official language in which they were submitted.
Online Transaction Method, Device And System
Technical Field
[0001] The present invention relates to the field of Internet technology, and
in particular, to an online
transaction method, device, and system.
Background Technology
[0002] With the rapid development of Internet technology, E-commerce has been
booming around the
world, with online trading platforms such as Amazon, Alibaba, Taobao and other
E-commerce
as the main mode of operation of the online trading platform. At present,
transaction payments
on online trading platforms can usually be paid on the Internet, on delivery
and mail order and
other means. Due to the long transaction time and high transaction cost,
traditional payment
methods such as cash on delivery and mail order cannot meet the growing E-
commerce
behaviour and also have high security problems. Therefore, these payment
methods are rarely
used, and online banking is increasingly becoming the mainstream of payment.
[0003] In the existing technology, online payment methods mainly use third-
party payment platform.
During the transaction, the buyer transfers the transaction funds to the third-
party payment
platform, and the third-party payment platform stores the transaction
information at the same
time. After the buyer receives the commodity, the third-party payment platform
transfers the
transaction funds to the seller, and the transaction is completed.
[0004] However, this method, which is temporarily deposited by third-party
payment platforms and
trading information, often occurs in the following situations: when the
customer has not yet
received the commodity or services provided by the merchant and the funds have
been paid by
the third-party payment institution to the merchant; Or merchants provided the
commodity or
services, the customer has been unable to pay the corresponding funds. It can
be seen that, due
to the outflow of trading funds out of the banking system, the payment of bank
servers is
completely dependent on the operation of third-party payment platforms, which
is not
conducive to the supervision of funds by banks. When the above situation
occurs in the third-
party payment platform, the bank server is not able to make the effective
capital flow of the
delivery of the first hand, which may result in large deviation of the cash
flow time of the bank
server from the actual transaction time to the user it may bring financial
risk to users, and
trading funds and transaction information in the third-party payment platform
information has
the risk of being stolen, the security is not high. Thus it can be seen that
at this stage an
improved transaction method is needed to reduce the risk of capital and
improve the security
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of transaction information.
Technical problem
[0005] The main object of the present invention is to provide a method, device
and system for online
transactions aimed at reducing capital risk and improve transaction security.
Problem solving solution
Technical solutions
[0006] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
[0007] According to one aspect of the present invention, there is provided an
online transaction
method including the steps of:
[0008] After receiving the order information delivered by the client, the
commodity server delivers a
Bank Credit Certificate issuing request to the seller's bank server according
to the order
information;
[0009] The seller's bank server generates a Bank Credit Certificate to be
validated according to the
Bank Credit Certificate issuing request, and delivers the Bank Credit
Certificate to the buyer's
bank server;
[0010] The buyer bank server obtains the buyer's payment verification
information from the client and
performs verification; when the verification passes, the buyer bank account
funds
corresponding to the order amount are frozen, and the state of the Bank Credit
Certificate is
updated to the valid status and delivered to the seller's bank server;
[0011] The seller's bank server updates the status of the validated Bank
Credit Certificate to a
received certificate and delivers a received card notification to the
commodity server;
[0012] The commodity server delivers the order information to the transaction
intermediation server
according to the received card notification;
[0013] The transaction intermediary server arranges the commodity according to
the order
information and delivers a receipt notification to the buyer's bank server
after determining that
the buyer has received the commodity;
[0014] After receiving the commodity receipt notification, the buyer bank
server transfers the funds
frozen in the buyer's account to the seller's account of the seller's bank
server.
[0015] According to another aspect of the present invention, it is provided an
online transaction
method applied to a commodity server, the method including the steps of:
[0016] After receiving the order information delivered by the client, delivers
a Bank Credit Certificate
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issuing request to the seller's bank server according to the order
information;
[0017] After receiving the received card notification delivered by the
seller's bank server, the order
information is delivered to a transaction intermediation server.
[0018] According to another aspect of the present invention, it is provided an
online transaction
method applied to a seller's bank server, the method including the steps of:
[0019] After receiving the Bank Credit Certificate issuing request delivered
by the commodity server,
a Bank Credit Certificate to be validated is generated and delivered to the
buyer's bank server;
[0020] After receiving the effective Bank Credit Certificate delivered by the
buyer's Bank server, the
status of the Bank Credit Certificate is updated to the accepted status, and
the received
notification is delivered to the commodity server.
[0021] According to another aspect of the present invention, it is provided an
online transaction
method applied to a buyer's bank server, the method including the steps of:
[0022] After receiving the Bank Credit Certificate to be effective, the
buyer's payment verification
information is acquired from the client and verified;
[0023] if the verification is passed, the funds in the buyer account
corresponding to the order amount
are frozen, and the status of the Bank Credit Certificate is updated to the
effective and
delivered to the seller bank server;
[0024] After receiving the received notification delivered by the transaction
intermediation server, the
funds frozen in the buyer's account are transferred to the seller's account of
the seller's bank
server.
[0025] According to another aspect of the present invention, it is provided an
online transaction
system including a client used to generate order information based on items
ordered by a
buyer, a commodity server, a buyer's bank server, a seller's bank server, and
a transaction
intermediation server, wherein:
[0026] The commodity server is used to deliver a request for issuing a Bank
Credit Certificate to the
seller's bank server after receiving the order information delivered by the
client; after receiving
the received certificate delivered by the seller's bank server, deliver the
order information to
the transaction intermediation server after the notification;
[0027] The seller's bank server is used to generate a Bank Credit Certificate
of a to-be-validated state
after receiving the Bank Credit Certificate issuing request and deliver the
Bank Credit
Certificate to the buyer's bank server; and after receiving the Bank Credit
Certificate delivered
by the buyer's bank server after the valid Bank Credit Certificate is updated,
the status of the
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Bank Credit Certificate is updated to the certified status and the received
credit notification is
delivered to the commodity server;
[0028] The transaction intermediary server is set to arrange delivery
according to the order
information and deliver a receipt notification to the buyer's bank server
after determining that
the buyer has received the commodity;
[0029] The buyer bank server is set to receive the Bank Credit Certificate to
be validated, acquires the
buyer's payment verification information from the client and performs
verification; when the
verification is passed, the buyer's account is frozen, and update the status
of the Bank Credit
Certificate to a valid status and deliver the status to the seller's bank
server; and after receiving
the received notification, transfer the funds frozen in the buyer's account to
the seller's bank
account in the seller's server.
[0030] According to another aspect of the present invention, it is provided an
online transaction
device applied to a commodity server, including the following modules:
[0031] The first receiving module is used to receive the order information
delivered by the client and
the received card notification delivered by the seller's bank server;
[0032] The issuing request module is used to deliver a Bank Credit Certificate
issuing request to the
seller bank server according to the order information after receiving the
order information
delivered by the client;
[0033] The order information delivery module is used to deliver the order
information to the
transaction intermediation server after receiving the received card
notification delivered by the
seller's bank server.
[0034] According to another aspect of the present invention, it is provided an
online transaction
device applied to a seller's bank server, the device includes the following
modules:
[0035] A second receiving module is used to receive a Bank Credit Certificate
issuing request
delivered by the commodity server and an effective Bank Credit Certificate
delivered by the
buyer's bank server;
[0036] A Bank Credit Certificate generating module is used to generate a Bank
Credit Certificate
which is in effect according to a Bank Credit Certificate issuing request;
[0037] A Bank Credit Certificate delivery module is used to deliver the Bank
Credit Certificate to be
validated to the buyer bank server;
[0038] The received module notification module is used to receive the Bank
Credit Certificate valid
from the buyer bank server, update the status of the Bank Credit Certificate
to the certified
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status, and deliver the received certificate to the commodity server.
[0039] According to another aspect of the present invention, it is provided an
online transaction
device applied to a buyer's bank server, the device includes the following
modules:
[0040] A third receiving module is used to receive a Bank Credit Certificate
delivered by the seller's
bank server and to be validated and a receipt notification delivered by the
transaction
intermediation server;
[0041] The verification module is used to receive the buyer's payment
verification information from
the client and verify it after receiving the Bank Credit Certificate of the to-
be-validated state;
[0042] A freezing module is used to freeze the funds corresponding to the
order amount in the buyer's
account after verification is passed and update the status of the Bank Credit
Certificate to be
valid and deliver the status to the seller's bank server;
[0043] A money transfer module is used to, after receiving the commodity
receipt notification, the
buyer bank server transfers the funds frozen in the buyer's account to the
seller's account of the
seller's bank server.
[0044] The online trading method, device and system provided by the present
invention, deliver the
issuing request to the seller's bank server through the commodity server, the
intermediary
transaction server delivers the receiving notification to the buyer's bank
server, the client, the
commodity server, the buyer's bank server, the seller's bank server and the
transaction
intermediary server to complete the transaction process, the transaction
process of transaction
funds, transaction information does not go to the third-party payment
platform, and all flow
within the banking system, thus , it is convenient for the bank to supervise
the funds, improve
the security of the transaction, and also facilitate the supervision of the
credit of the subject of
the transaction, which is conducive to the establishment of the social credit
system. And the
transaction status is monitored in real time by generating Bank Credit
Certificate so that there
is no deviation between the time of fund flow and the actual transaction time,
so that it can
effectively reduce the risk of funds and improve the security of the
transaction information.
The beneficial effect of the invention
Beneficial effect
[0045] Further, in the transaction process, it also use of digital envelope
technology to secure the
transmission of communications data, the use of dynamic anti-counterfeiting
technology to
dynamically generate a symmetric key, the use of AES encryption algorithm to
encrypt data,
the use of double-track calibration technology to verify the data, using two
networks and use
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technology to communicate, to further improve the security of the transaction.
A brief description of the drawings
Brief Description
[0046] Figure 1 is a flowchart of a first example of the online transaction
method of the present
invention;
[0047] Figure 2 is an interactive diagram of each system in a transaction
process in an example of the
present invention;
[0048] Figure 3 is a specific flow chart of the data deliverer and the data
receiver adopting the digital
envelope technology to securely transmit the communication data in the example
of the
present invention;
[0049] Figure 4 is a flowchart of a second example of the online transaction
method of the present
invention;
[0050] Figure 5 is a flowchart of the third example of the online transaction
method of the present
invention;
[0051] Figure 6 is a flowchart of a fourth example of the online transaction
method of the present
invention;
[0052] Figure 7 is a flow chart of the fifth example of the online transaction
method of the present
invention;
[0053] Figure 8 is a block diagram of the first example of the online trading
system of the present
invention;
[0054] Figure 9 is a schematic block diagram of an example of an online
transaction device applied to
a client according to the present invention;
[0055] Figure 10 is a block schematic diagram of an example of an online
trading device applied to a
commodity server according to the present invention;
[0056] Figure 11 is a schematic block diagram of an example of an online
transaction device applied
to a seller's bank server according to the present invention;
[0057] Figure 12 is a schematic block diagram of an example of an online
transaction device applied
to a buyer's bank server according to the present invention;
[0058] Figure 13 is a schematic block diagram of an example of an online
transaction device applied
to a transaction intermediation server according to the present invention;
[0059] Figure 14 is a schematic block diagram of a second example of the
online trading system of
the present invention.
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[0060] The realization of the object of the present invention, features and
advantages of the present
invention will be further described with reference to the accompanying
drawings.
Examples of the Invention
Implementation pattern of the present invention
[0061] It is to be understood that the specific examples described herein are
merely illustrative of the
invention but not intended to limit the invention.
[0062] Please refer to Figure 1 and Figure 2, an example of the online
transaction method of the
present invention is proposed, and the method includes the following steps:
[0063] S11: the client generates order information according to the commodity
information ordered
by the buyer and delivers it to the commodity server.
[0064] In step S11, the seller inputs and stores the commodity information
into the commodity server,
and the buyer communicates with the commodity server through the client to
obtain the
commodity information from the commodity server. The buyer selects the
commodity to be
purchased in the commodity information, the client generates the order
information according
to the commodity information selected by the user, and submits the order
information to the
commodity server.
[0065] In this example, the commodity includes tangible physical commodity and
invisible services;
the commodity information includes information such as commodity prices and
parameters;
the commodity server may be a commercial computer server or a seller's own
computer server;
the client is a communication terminal operated by the buyer, and may be a
terminal device
such as a mobile phone, a tablet, a computer or the terminal device.
[0066] S12: the commodity server delivers a Bank Credit Certificate issuing
request to the seller's
bank server according to the order information.
[0067] In this example, the buyer's bank server refers to the computer server
of the buyer's bank
account (i.e., the buyer's bank), and the seller's bank server refers to the
seller's bank account
corresponding to the bank (i.e., the seller's account bank), the buyer's bank
server and the
seller's bank server may be the same bank's computer server (i.e., the buyer's
and seller's bank
of accounts are the same) or the computers of different banks (i.e., the
buyer's and seller's bank
are not at the same time).
[0068] In step S12, after receiving the order information, the commodity
server learns the buyer bank
server and the seller bank server according to the order information,
generates a bank credit
certificate issuing request, and delivers the request to the seller bank
server. Wherein, Bank
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Credit Certificate is an electronic certificate committed by a bank, which can
be interpreted as
an electronic data that can be stored in a computer system and transmitted
over the Internet.
[0069] S13: the seller's bank server generates a Bank Credit Certificate to be
validated according to
the Bank Credit Certificate issuing request, and delivers it to the buyer's
bank server.
[0070] In this step S13, after receiving the issuing request of Bank Credit
Certificate, the seller's bank
server learns the buyer's bank server and generates a Bank Credit Certificate
Z1 to be validated
and delivers it to the buyer's bank server.
[0071] S14: the buyer bank server obtains the buyer's payment verification
information from the
client and performs verification. If the verification is passed, step S15 is
performed; otherwise,
the process ends.
[0072] In this step 514, after receiving the Bank Credit Certificate Z1 to be
validated by the seller's
bank server, the buyer's bank server generates payment verification
information according to
the Bank Credit Certificate Z1 to be validated, and delivers the payment
verification
information to the client, the client receives the payment verification
information input by the
buyer and submits it to the buyer's bank server for verification. Wherein, the
payment
verification information may be a payment page, and the buyer inputs
information such as
verification information and payment amount on the payment page on the client.
The
verification information includes at least the bank account number and
password, and may
further include the verification code, expiration date and other information.
[0073] Specifically, after receiving the Bank Credit Certificate Z1 to be
validated, the buyer bank
server generates a payment page, and delivers the link address of the payment
page to the
buyer (for example, delivering the message to the buyer's registered mobile
phone). The buyer
enters the link address of the payment page on the client or directly clicks
the link address
received by the client to open the payment page and enters the verification
information,
payment amount and other payment verification information on the payment page.
The buyer's
bank server verifies the payment verification information entered by the
client on the payment
page.
[0074] S15: the buyer's bank server freezes the funds corresponding to the
order amount in the buyer's
account, and updates the status of the Bank Credit Certificate to the valid
status and delivers it
to the seller's bank server.
[0075] Specifically, after the verification is passed, the buyer bank server
may freeze the
corresponding amount of funds in the buyer's account according to the payment
amount input
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on the payment page and update the Bank Credit Certificate status, and update
the Bank Credit
Certificate Z1 to be validated as valid Bank Credit Certificate Z2 and deliver
the valid Bank
Credit Certificate Z2 to the seller's bank server.
[0076] S16: the seller's bank server updates the status of the valid Bank
Credit Certificate to the
received certificate and delivers the received certificate to the commodity
server.
[0077] In this step S16, after receiving the valid Bank Credit Certificate Z2,
the seller's bank server
updates the Bank Credit Certificate status, updates the valid Bank Credit
Certificate Z2 to the
bank credit certificateZ3 that has been validated, and delivers the received
card notification to
the commodity server.
[0078] S17: the commodity server delivers the order information to the
transaction intermediation
server according to the received card notification.
[0079] In this step S17, after receiving the commodity receipt notification,
the commodity server
delivers the order information to the transaction intermediation server.
[0080] S18: the transaction intermediary server arranges the delivery
according to the order
information, and after determining that the buyer has received the commodity,
delivers the
receipt notification to the buyer bank server.
[0081] In step S18, after receiving the order information, the transaction
intermediation server
delivers the commodity according to the transaction information such as the
commodity
information and the buyer information in the order information. The
transaction intermediary
server may notify the seller to arrange the delivery, including but not
limited to any one or
more of the following methods: delivering an email notification to the
seller's preset email
address, delivering a text message notification to the seller's preset mobile
number, deliver the
QQ message to the seller's default QQ number, or deliver the WeChat message to
the seller's
WeChat number presupposed by the seller. The seller will arrange the delivery
after receiving
the delivery notice.
[0082] After the transaction intermediation server receives the receipt
confirmation notification
delivered by the client, it determines that the buyer has received the
receipt; or the transaction
intermediation server does not receive the feedback information of the client
within a preset
time after the delivery is scheduled, the default buyer has received the
commodity after
exceeding the preset time. When it is determined that the buyer has received
the commodity,
the receipt notification is delivered to the buyer's bank server.
[0083] S19: the buyer's bank server transfers the frozen funds in the buyer's
account to the seller's
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account of the seller's bank server.
[0084] In this step S19, after the buyer's bank server receives the receipt
notification, the frozen funds
in the buyer's account are transferred to the seller's account. At this point,
the transaction is
completed.
[0085] In order to prevent the buyer from receiving the commodity n has not
been confirmed receipt,
the above method also includes: if the buyer bank server does not receive the
notification
received by the transaction intermediary server in the preset time, the frozen
funds from the
buyer's account will be transferred to the seller's account of the seller's
Bank after exceeding
the preset time.
[0086] By adopting the online transaction method in the above example, the
transaction funds and
transaction information in the transaction process are not transferred to the
third party payment
platform, flow within the banking system, this will facilitate the banks to
supervise the funds
and improve the security of the transaction, at the same time, it is also
convenient for banks to
supervise the credit of the main body of the transaction, which is beneficial
to the
establishment of the social credit system. Through the real-time monitoring of
transaction
status by generating Bank Credit Certificate, there is no deviation between
the cash flow time
and the actual transaction time, so that the effective flow of no commodity no
funds under one
line of delivery can effectively reduce the risk of capital and improve the
security of
transaction information.
[0087] As a preferred example, in order to prevent the transaction information
from being stolen, the
client, the commodity server, the buyer's bank server, the seller's bank
server and the
transaction intermediation server use digital envelopes to transmit data and
receive data secure
transmission. Thereby further enhancing the security of data transmission and
ensuring the
security of transactions.
[0088] As shown in Figure 3, the data deliverer and data receiver to use
digital envelope technology
for secure communication data, the specific process is as follows:
[0089] S101: the data deliverer generates a symmetric key, and encrypts the
communication data by
using a symmetric key to form a first ciphertext.
[0090] In order to prevent the symmetric key from being stolen, the data
deliverer randomly generates
a symmetric key each time the data is delivered, thereby achieving the effect
of dynamic anti-
counterfeiting, improving data security, and ensuring transaction security.
When encrypting the
communication data, the data deliverer preferably encrypts the communication
data by using
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the symmetric key to form the first ciphertext.
[0091] S102: the data deliverer encrypts the symmetric key by using the public
key of the data
receiver to form a second ciphertext.
[0092] S103. The data deliverer signs the first ciphertext and the second
ciphertext using its own
private key, and delivers the data signature to the data receiver.
[0093] 5104: After receiving the first ciphertext and the second ciphertext,
the data receiver verifies
the signatures of the first ciphertext and the second ciphertext using the
public key of the data
deliverer.
[0094] S105: After the verification is passed, the data receiver decrypts the
second ciphertext using its
private key to obtain a symmetric key.
[0095] S106: The data receiver uses the symmetric key to decrypt the first
ciphertext to obtain the
communication data
[0096] In some examples, the signature step in step S103 and the verification
signature step in step
S104 may also be omitted.
[0097] Further, in the above examples of the online transaction method, in
order to prevent the data
from being tampered with after the communication caused by the security of
funds,
information security and other issues, therefore, the dual-track verification
technology is used.
Specifically, in the data transmission process, the monitoring server collects
the data delivered
by the data deliverer and the data received by the data receiver at the same
time, verifies the
consistency of the data delivered and the received data, and compare the data
collected and the
received data to determine whether the two are consistent. To further ensure
the security of
transactions.
[0098] Further, in the online transaction method in the above example, in
order to balance the
convenience of communication and ensure data security, a dual-network
combination
technology is adopted. That is, the client, the commodity server, the buyer's
bank server and
the seller's bank server communicate with each other through the public
network, and the
monitoring server communicates with the buyer's bank server and the seller's
bank server
through the private line respectively. As a result it further ensuring the
security of the
transaction.
[0099] Please refer to Figure 4, a second example of the online transaction
method of the present
invention is proposed. The method is applied to a commodity server and
includes the
following steps:
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[0100] S21, after receiving the order information deliver the Bank Credit
Certificate issuing request to
the seller's Bank server according to the order information.
[0101] Specifically, the Bank Credit Certificate is an electronic certificate
promised by a bank, and
can be understood as an electronic data that can be stored in a computer
system and
transmitted through a network. The commodity server is informed of the seller
bank servers
based on the order information and delivers the Bank Credit Certificate
request to the seller
bank server.
[0102] S22, after receiving the received card notification delivered by the
seller's bank server, deliver
the order information to the transaction intermediation server.
[0103] Specifically, after receiving the received certificate notification
delivered by the seller bank
server, the commodity server delivers the order information to the transaction
intermediation
server, so that the transaction intermediation server arranges the shipment
according to the
order information.
[0104] Please refer to Figure 5, a third example of the online transaction
method of the present
invention is proposed, which is applied to a seller's bank server. The method
includes the
following steps:
[0105] S31, after receiving the Bank Credit Certificate issuing request
delivered by the commodity
server, generating a Bank Credit Certificate to be validated and delivering it
to the buyer's
bank server.
[0106] S32, after receiving the valid Bank Credit Certificate delivered by the
buyer's bank server,
updating the status of the Bank Credit Certificate to the certified status and
delivering the
received certificate to the commodity server.
[0107] Please refer to Figure 6, a fourth example of the online transaction
method of the present
invention is proposed, which is applied to a buyer's bank server. The method
includes the
following steps:
[0108] S41, after receiving the Bank Credit Certificate of the to-be-validated
status delivered by the
seller's bank server, acquiring the buyer's payment verification information
from the client and
performing verification. If the verification is passed, step S602 is executed,
otherwise, the flow
is ended.
[0109] S42, freezing the funds corresponding to the order amount in the
buyer's account, and the
status of Bank Credit Certificate is updated to be effective and delivering
the status to the
seller's bank server.
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[0110] S43. After receiving the received notification delivered by the
transaction intermediation
server, the frozen funds in the buyer's account are transferred to the
seller's account of the
seller's bank server.
[0111] Please refer to Figure 7, a fifth example of the online transaction
method of the present
invention is proposed. The method is applied to an intermediation transaction
server and
includes the following steps:
[0112] S51, receiving the order information delivered by the commodity server,
and arranging the
delivery according to the order information.
[0113] Specifically, after receiving the order information, the transaction
After receiving the order
information, the transaction intermediary server deliver the commodity
according to the
information of the commodity in the order and the information of the buyer.
The transaction
intermediary server may notify the seller to arrange the delivery, including
but not limited to
any one or more of the following methods: delivering an email notification to
the seller's
preset email address, delivering a text message notification to the seller's
preset mobile
number, deliver the QQ message to the seller's default QQ number, or deliver
the WeChat
message to the seller's WeChat number presupposed by the seller. The seller
will arrange the
delivery after receiving the delivery notice.
[0114] S52. After determining that the buyer has received the commodity, the
buyer bank server
delivers the commodity receipt notification.
[0115] Specifically, after the transaction intermediation server receives the
receipt confirmation
notification delivered by the client, it determines that the buyer has
received the receipt; or the
transaction intermediation server does not receive the feedback information of
the client within
a preset time after the delivery is scheduled, the default buyer has received
the commodity
after exceeding the preset time. When it is determined that the buyer has
received the
commodity, the receipt notification is delivered to the buyer's bank server.
[0116] Please refer to Figure 8, a first example of the online transaction
system of the present
invention is proposed. The online transaction system in this example is an
online transaction
system that implements the above online transaction method. The online
transaction system
includes a client, a commodity server, a buyer Bank server, seller bank server
and transaction
intermediary server, wherein:
[0117] The client terminal is used to obtain the commodity information from
the commodity server,
generate the order according to the commodity ordered by the buyer, and
deliver the order to
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the commodity server; after receiving the payment verification request
delivered by the buyer
bank server, deliver the payment check information for the buyer's input to
the buyer's bank
server.
[0118] Wherein, please refer to Figure 9, an online transaction device applied
to a client includes the
following modules:
[0119] An order delivery module is used to obtain commodity information from
the commodity
server, generate an order based on the commodity ordered by the buyer, and
deliver the order
to the commodity server;
[0120] The verification information delivery module is used to deliver the
payment verification
information input by the buyer to the buyer's bank server after receiving the
payment
verification request delivered by the buyer's bank server.
[0121] The commodity server: after receiving the order information delivered
by the client, delivers a
request for issuing a Bank Credit Certificate to the seller's bank server, and
also receives the
received certificate notification delivered by the seller's bank server, and
it is also set to deliver
the order information to the transaction intermediary server after receiving
the received notice
from the seller's bank server.
[0122] Please refer to Figure 10, an online trading device applied to a
commodity server includes the
following modules:
[0123] The first receiving module is used to receive the order information
delivered by the client and
the received card notification delivered by the seller's bank server;
[0124] The issuing request module is used to deliver a Bank Credit Certificate
issuing request to the
seller's bank server according to the order information after receiving the
order information
delivered by the client;
[0125] The order information delivery module is used to deliver the order
information to the
transaction intermediation server after receiving the received card
notification delivered by the
seller's bank server.
[0126] The seller bank server is used to generate a Bank Credit Certificate of
the to-be-validated state
after receiving the Bank Credit Certificate issuing request and deliver the
Bank Credit
Certificate to the buyer bank server; and after receiving the effective Bank
Credit Certificate
delivered to the buyer bank server, the status of the Bank Credit Certificate
is updated to the
accepted status, and the received notification is delivered to the commodity
server;
[0127] Wherein, refer to Figure 11, the online trading device applied to the
seller's bank server
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includes the following modules:
[0128] A second receiving module is used to receive a Bank Credit Certificate
issuing request
delivered by the commodity server and an effective Bank Credit Certificate
delivered by the
buyer's bank server;
[0129] Bank Credit Certificate generating module is used to generate a Bank
Credit Certificate which
is in effect according to a Bank Credit Certificate issuing request;
[0130] The Bank Credit Certificate delivery module is used to deliver the Bank
Credit Certificate to
be validated to the buyer bank server;
[0131] The received module notification module is used to receive the Bank
Credit Certificate valid
from the first bank server, update the status of the Bank Credit Certificate
to the certified
status, and deliver the received certificate to the commodity server.
[0132] The buyer's bank server: set to receive the Bank Credit Certificate
delivered by the seller's
bank server to be validated, acquires the buyer's payment verification
information from the
client and performs verification; if the verification is successful, the
buyer's account
corresponding to the order amount is frozen and update the status of the Bank
Credit
Certificate to the valid status and deliver it to the seller bank server;
After receiving the
received notification delivered by the transaction intermediary server, the
user is also allowed
to transfer the frozen funds by the buyer's account to the seller's account of
the seller's bank
server.
[0133] Wherein, please refer to Figure 12, the online trading device applied
to the buyer's bank server
includes the following modules:
[0134] A third receiving module is used to receive a Bank Credit Certificate
delivered by the seller's
bank server and to be validated and a receipt notification delivered by the
transaction
intermediation server;
[0135] The verification module is used to after receiving the Bank Credit
Certificate delivered by the
second bank server to be validated, obtain the buyer's payment verification
information from
the client and perform verification;
[0136] The freezing module is used to freeze the funds corresponding to the
order amount in the
buyer's account after the verification is passed, and update the status of the
Bank Credit
Certificate to be valid and deliver it to the seller's bank server;
[0137] The money transfer module is used to, after receiving the received
notification delivered by
the transaction intermediation server, the frozen funds in the buyer's account
are transferred to
Date Recue/Date Received 2021-04-20
the seller's account of the seller's bank server.
[0138] In order to prevent the buyer does not confirm receipt of commodity
after receiving the
commodity, and the money transfer module is also used: If no receiving
notification is
received from the transaction intermediation server within the preset time,
then after a preset
time, the funds frozen by the buyer's account are transferred to the seller's
account of the seller
bank server.
[0139] The transaction intermediation server is used to receive order
information delivered by the
commodity server, arrange delivery according to the order information, and
deliver a receipt
notification to the buyer's bank server after determining that the buyer has
received the
commodity.
[0140] Wherein, please refer to Figure 13, an online transaction device
applied to a transaction
intermediation server includes the following modules:
[0141] A fourth receiving module is used to receive the order information
delivered by the commodity
server;
[0142] The delivery scheduling module is used to arrange delivery according to
the transaction
information such as commodity information, buyer information and so on in the
order
information; specifically, the seller may notify the seller to arrange the
delivery, including but
not limited to any one or more of the following methods: delivering an email
notification to
the seller's preset email address, delivering a text message notification to
the seller's preset
mobile number, deliver the QQ message to the seller's default QQ number, or
deliver the
WeChat message to the seller's WeChat number presupposed by the seller. The
seller will
arrange the delivery after receiving the delivery notification;
[0143] The received notification module is used to deliver a receipt
notification to the buyer's bank
server after determining that the buyer has received the commodity.
Specifically, after the
receiving notification module receives the receiving confirmation notification
delivered by the
client, it determines that the buyer has received the commodity; or, the
receiving notification
module does not receive feedback from the client within a preset time after
arranging the
shipment, and the buyer has received the commodity by default after the preset
time.
[0144] Specifically, the seller stores the commodity information in the
commodity server, and the
buyer communicates with the commodity server through the client, acquires the
commodity
information from the commodity server, and selects the commodity that needs to
be purchased.
The client generates order information according to the commodity information
selected by the
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buyer and submits the order information to the commodity server. Wherein, the
commodity
includes tangible physical commodity and invisible services. The commodity
information
includes commodity price, parameters and so on. The commodity server may be a
commercial
computer server or a seller's own computer server. The client is a
communication terminal
operated by the buyer, including but not limited to terminal devices such as
mobile phones,
tablet devices and computers. The buyer's bank server refers to the bank
server where the
buyer's bank account is located and the seller bank server refers to the bank
server where the
seller's bank account is located. The buyer bank server and the seller bank
server may be
servers of the same bank (i.e. the buyer and the seller's bank account are
same), may also be
different bank server (that is, the buyer and the seller's bank are not at the
same time). Bank
Credit Certificate is an electronic certificate that a bank promises to pay
for. It can be
understood as an electronic data that can be stored in a computer system and
transmitted over
the Internet.
[0145] With the online trading system of this example, transaction funds and
transaction information
in the transaction process are not transferred to a third-party payment
platform, and the status
of the transaction is monitored in real time by generating a Bank Credit
Certificate, so that
there is no deviation between the time of capital flow and the actual
transaction time, so that
the effective delivery of cash flow can effectively reduce the financial risk
and improve the
security of transaction information.
[0146] As a preferred example, in order to prevent the transaction information
from being stolen, the
client, the commodity server, the seller's bank server, the buyer's bank
server and the
transaction intermediation server are also used in the data delivering and
receiving, the digital
envelope technology is used to transmit the communication data safely. Thereby
further
enhancing the security of data transmission and ensuring the security of
transactions.
[0147] When the client, the commodity server, the seller's bank server, the
buyer's bank server and the
transaction intermediation server serve as the data deliverer, it is also set
as follows:
[0148] Generating a first ciphertext by using a symmetric key, encrypting the
symmetric key by using
a public key of the data receiving party, and forming a second ciphertext by
using a public key
of the data receiver; a ciphertext and the second ciphertext are signed and
delivered to the data
receiver.
[0149] In order to further prevent the symmetric key from being stolen, each
time the data deliverer
delivers data, a symmetric key is dynamically generated at random, so as to
achieve the effect
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of dynamic anti-counterfeiting. When encrypting the communication data, the
data deliverer
preferably encrypts the communication data by using the symmetric key to form
the first
ciphertext.
[0150] When the client, the commodity server, the seller bank server buyer
bank server and the
intermediary transaction server serve as the data deliverer, it is also set as
follows:
[0151] After receiving the first ciphertext and the second ciphertext, the
signature of the first
ciphertext and the second ciphertext are verified by using the public key of
the deliverer of the
data; when the verification is passed, the symmetric key is obtained by using
its own private
key to decrypt the second ciphertext, and the communication data is obtained
by using the
symmetric key to decrypt the first ciphertext.
[0152] In some examples, the data deliverer may not sign the first ciphertext
and the second
ciphertext, and the corresponding data receiver does not need to perform
signature verification
on the first ciphertext and the second ciphertext.
[0153] Please refer to Figure 14, a second example of the online transaction
system of the present
invention is proposed. The difference between this example and the first
example is that a
monitoring server is added, and the monitoring server is used to:
[0154] During the data transmission, the data delivered by the data deliverer
and the data received by
the data receiver are collected at the same time, verifies the consistency of
the data delivered
and the received data, and compare the data collected and the received data to
determine
whether the two are consistent. Wherein, the client, the commodity server, the
seller bank
server, the buyer bank server and the transaction intermediary server are the
data delivering
parties when delivering data, they are the data deliver and the data receiver
when they receive
the data. Therefore, the present example uses a dual-track verification
technology to prevent
data from being tampered with during communications and further ensure
transaction security.
[0155] Further, in order to balance the convenience of communication and
ensure data security, this
example also uses a combination of two networks. That is, the client, the
commodity server,
the buyer's bank server and the seller's bank server communicate with each
other through the
public network, and the monitoring server communicates with the buyer's bank
server and the
seller's bank server through the private line respectively. To further ensure
the security of
transactions.
[0156] It should be noted that, the technical features in the foregoing method
examples are applicable
to both the system and device examples, and are not described again here.
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[0157] A person of skill in the art considers the problems disclosed herein
and sought to be solved by
the present disclosure to be exclusively computer problems and contemplates
only solutions to
those problems that include essential computer elements. Abstract ideas, mere
schemes, plans,
rules, or mental processes that do not include computer elements are expressly
excluded from
this application.
[0158] A person of skill in the art will understand that the realization of
all or part of the steps of the
method described above may be controlled by a program to control the
associated hardware
completion, which may be stored in a computer-readable storage medium. The
storage
medium may be ROM / RAM, a magnetic disk, an optical disk, etc.
[0159] It is to be understood that the above is only a preferred example of
the present invention and is
not intended to limit the scope of the invention as a matter of limitation,
either by way of
equivalent construction or equivalent process transformation using the present
specification
and the accompanying drawings, directly or indirectly used in other related
technical fields,
which are included in the scope of the patent protection of the present
invention.
Industrial utility
[0160] The online transaction method, device and system of the present
invention deliver the issuing
request to the seller's bank server through the commodity server, the
intermediary transaction
server delivers the receiving notification to the buyer's bank server, the
client, the commodity
server, the buyer's bank server, the seller's bank server and the transaction
intermediary server to
complete the transaction process, the transaction process of transaction
funds, transaction
information does not go to the third-party payment platform, and all flow
within the banking
system, it is convenient for the bank to supervise the capital and the
subject's credit supervision.
And the transaction status is monitored in real time by generating Bank Credit
Certificate so that
there is no deviation between the time of fund flow and the actual transaction
time, so that it can
effectively reduce the risk of funds and improve the security of the
transaction information. In
addition, the use of digital envelopes and dynamic anti-counterfeiting
technology for secure
transmission of communication data to ensure the safety of communication data;
the use of
double-track check to prevent data from being tampered with technology; the
two networks are
used to balance the convenience and security of communication.
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