CN101354770A - Electronic business system and method for binding membership name with bank card - Google Patents
Electronic business system and method for binding membership name with bank card Download PDFInfo
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Abstract
The invention relates to a method and a system for carrying out E-commerce through member names of consumers registered in merchant or payment platforms. The system comprises a consumer terminal device, a merchant payment device, a payment gateway device, a payment platform device and a logistics device. The system is characterized in that a member name is applied for through a merchant or a payment platform; the binding relation of the member name and a bankcard is established in a payment gateway; when a consumer applies to a merchant for a E-commerce transaction, the logic of the E-commerce transaction can be started without submitting the information of the personal bankcard; the logic covers various states of the E-commerce transaction; through a series of transaction steps, the authenticity, reliability and safety of the transaction are improved; with the system, the consumer can break through the limitation of the prior E-commerce terminal and develop E-commerce more conveniently and flexibly without worrying about the divulgence of the secret information of the own bankcard; and an issuing bank can develop E-commerce on the basis without changing the prior payment business process.
Description
Technical field
The present invention relates to a kind of computer system, relate more specifically to a kind of consumer of permission by using at the Member Name of trade company or payment platform registration and method, system and the computer program that its bank card binding carries out ecommerce.
Background technology
Use bank card (magnetic card or smart card) to carry out " online shopping " by internet, telephone network and television network (hereinafter being called " network "), it is current important business activity, the consumer can buy from global and centre retailer's (hereinafter being called " trade company ") Anywhere, deciding by consumer's oneself interest fully. the consumer comes the website of trade company, typical case is when browsing one or more webpages and selecting the commodity that will buy or service. trade company at first wants the consumer to register becomes its member, and has Member Name and PIN (Personal Identification Number) (PIN); Provide on-line payment to finish this transaction by fund for transaction.
Present on-line payment technology mainly contains following several mode:
1. non-banking bill payment mode:
Non-banking bill payment mode adopts the consumer in trade company or payment platform or the third party's account fund that prestores exactly, therefrom deducts when transaction, can change fund over to from bank account; Chinese patent 02123059.5 has provided a kind of E-commerce method and system based on the telecommunications account, and this method is finished in mobile intelligent net with SIM card payment sign.
2. the bank account modes of payments:
The bank account modes of payments is exactly to adopt the fund of consumer in bank account, therefrom deducts when transaction; Because what bank card used popularizes, therefore, using bank card account to carry out ecommerce becomes main flow; According to the bank card difference, can also be divided into magnetic card and intelligent card payment mode.
Wherein have based on the magnetic card modes of payments:
Secure electronic transaction standard SET (Secure Electronic Transaction) mode:
1996, Mastercard, Visa, American Express international credit card tissue and the IBM of technology manufacturer formulated SET jointly.SET is a perfect technicism product, holder, trade company, bank is all had the authentication of digital certificate.SET has used the public key cryptography of RSA safety, has data confidentiality, data-integrity, data source identifiability and non-repudiation, is to be used for protecting consumer's standard of payment transaction safety that holds in the internet.SET is by Electronic Wallet (stored value card), Merchant Server (shop end server), Payment Gateway (payment platform) and CA (certification Authority, authentication center) form, they have constituted the credit card authorization transaction that meets the SET standard on the internet.The consumer provides the credit card number and the term of validity to trade company with the mode of maintaining secrecy, and this information can not be seen by trade company, gives issuing bank and just transmit this information, and transaction is finished in the mandate that receives bank again.
Wherein based on the modes of payments of smart card:
Adopt smart card to substitute magnetic card, can in the antifalsification of card and holder's identification, breakthrough be arranged, Chinese patent 01125140.9 has provided a kind of E-commerce method and system based on smart card, this method must be used card-reading apparatus and smart card is carried out online treatment, and the holder must apply for the personal electric certificate and digital signature is carried out in every transaction.
The existing modes of payments exists shortcoming as follows:
1. non-banking bill payment mode, the consumer can only obtain account service merchant's business reputation, and other trade companies not necessarily accept, and are of limited application, and also exist trade company to close down or malice is taken the risk that money is run away; Secondly, its security is relatively poor, can't investigate when being usurped or cheating by other people, does not have related with true earning people off the net; At last, it can not realize all multi-functional of bank card, finishes, adjusts the mandate volume as authorizing, authorizing, to consumer credit etc.
2. the above-mentioned bank account modes of payments, in order to improve the security of transaction, all on consumer's terminal, increased the digital certificate treating apparatus, therefore also increase consumer's use difficulty, also limited the range of choice of consumer's terminal simultaneously, made terminal device commonly used such as universal PC, universal telephone equipment all can not directly use, secondly, consider the dispensing authentication mechanism, do not have relatedly, have stolen possibility with true earning people off the net.
Summary of the invention
First purpose of the present invention provides a kind of technology, is used in conjunction with equipment such as consumer's general-purpose computer, phone, PDA, uses Member Name to buy goods or service by network from trade company, and can realize the online business of exchanging goods, return goods, pay additional cost.
Second purpose of the present invention provides this technology that does not need to revise existing bank magnetic stripe card (ISO7811) and magnetic card payment arrangement standard (ISO8583) and bank intelligent card (ISO7816) and payment arrangement (EMV) thereof.
The 3rd purpose of the present invention provides the technology that this support bank card and debit card account are used for ecommerce.
The 4th purpose of the present invention is by adopting PKI standard and 5 side's agreements to combine so that this technology to be provided.
The 5th purpose of the present invention provides this technology, and the responsibility of carrying out authentication functions thus has been moved to issuing bank side and logistics side.
The 6th purpose of the present invention is to bind at payment gateway and protect bank card information by utilizing the consumer directly to connect escape way, and improves the efficient of online online shopping transaction.
The 7th purpose of the present invention be the ecommerce logistics as one of 5 side's agreements, and provide indentification protocol interface between consumption online person and the beneficiary off the net.
An advantage part of the present invention is provided by follow-up description and accompanying drawing, and a part can be provided maybe and can be known by of the present invention should being used for by embodiment.
In order to achieve the above object, and according to the purpose of the present invention of general description here, the invention provides a computer program, system and method, be used to allow terminal to carry out ecommerce with Member Name by the consumer uses. e-commerce system of the present invention mainly comprises array apparatus down:
Consumer's end device is used to send consumer transaction and receives response message;
Trade company's payment mechanism is used for trade company and initiates consumer payment and receive response message;
The payment gateway device is used to finish the format conversion of payment information;
Payment platform device is used for forwarding information between trade company and issuing bank;
The logistics device is used for gathering, verifies beneficiary's identity information and confirms commodity and service;
Apparatus for initializing is used for setting up and the Administrative Security passage authenticity, trackability and the integrality of guarantee information in transmission course between said apparatus.
Further, trade company's payment mechanism also comprises:
Trade company's member management device is used to manage trade company's membership information;
The transaction initiator is used for tissue and initiation based on Member Name form payment request information;
The transaction receiver is used for reception and parsing based on Member Name form payment response information;
Further again, the payment gateway device also comprises:
The binding device is used for setting up between Member Name and bank card and the management binding relationship;
The payment receiver is used to receive payment information;
The payment transmitter is used to send payment information;
Transcriber is used for payment information is changed between Member Name form and bank card form.
Further, payment platform device also comprises:
Payment platform member management device is used for managing payment platform membership information;
Routing manager is used for setting up between Member Name and payment gateway and the management routing address;
Signal repeater is used for transmitting payment information by routing address.
Also further again, the logistics device also comprises:
The delivery management device is used to manage member's distribution information;
The identity information validator is used for gathering and checking beneficiary identity information;
Dispensing device is used for consumer confirm to provide and deliver commodity or service;
Also further, apparatus for initializing also comprises again:
The device of registering is used for sending the information of registering, and after success response information is registered in reception, enters duty;
Concentrator marker is used for the transmission information filling transmitting terminal sign to institute;
The manager of registering is used for the transmitting terminal identity legitimacy is managed;
The sign validator is used for according to transmitting terminal sign authorization information authenticity, trackability and integrality.
Sign-out device is used for the state of deactivating after checking the Transaction Information success.
Further more again, the transaction initiator also comprises:
The pre-authorization initiator is used for trade company and tenders guarantee or approve for from now on repeatedly transaction obtains issuing bank side;
Authorize initiator, be used for trade company and be current transaction and obtain issuing bank side and tender guarantee or approve;
Initiator is finished in payment, is used for trade company after confirming that the consumer has accepted commodity or service, really deducts consumer's bank card account transaction funds;
Commodity are confirmed initiator, are used for the consumer and confirm institute's commodity of purchasing or service to logistics facility or trade company;
Adjust initiator, be used for because of the consumer changes transaction commodity or service, when causing former mandate insufficient in amount, trade company obtains issuing bank and enlarges and authorize the amount of money;
Cancel initiator, be used for because of the consumer Cancels Transaction, trade company obtains issuing bank and cancels former guarantee or approval;
Towards positive initiator, be used for because of concluding the business overtimely, trade company obtains issuing bank former transaction is carried out towards flat account;
Sell initiator, being used for acquisition issuing bank of trade company provides the approval of directly withholing for current transaction;
The clearing initiator is used for trade company and a collection of Successful Transaction amount of money is gathered and sends to issuing bank, obtains issuing bank and pays the bill.
The present invention also provides the E-commerce method of Member Name and bank card binding, and it comprises the following steps:
Steps A: send consumer transaction and receive response message;
Step B: trade company initiates consumer payment and receives response message;
Step C: the format conversion of finishing payment information;
Step D: forwarding information between trade company and issuing bank;
Step e: gather, verify beneficiary's identity information and confirm dispensing commodity or service;
Step F: between the transaction participant, set up and the Administrative Security passage authenticity, trackability and the integrality of guarantee information in transmission course.
Wherein said step B also comprises the following steps:
Management trade company membership information;
Tissue is also initiated based on Member Name form payment request information;
Receive and resolve based on Member Name form payment response information;
Wherein said step C also comprises the following steps:
Between Member Name and bank card, set up and the management binding relationship;
Receive payment information;
Send payment information;
Payment information is changed between Member Name form and bank card form.
Wherein said step D also comprises the following steps:
Managing payment platform membership information;
Between Member Name and payment gateway, set up and the management routing address;
Press routing address and transmit payment information.
Wherein said step e also comprises the following steps:
Management member distribution information;
Gather and checking beneficiary identity information;
Confirm dispensing commodity or service;
Wherein said step F also comprises the following steps:
The transmission information of registering enters duty after success response information is registered in reception;
To institute's transmission information filling transmitting terminal sign;
The transmitting terminal identity legitimacy is managed;
According to transmitting terminal sign authorization information authenticity, trackability and integrality;
The state of after checking Transaction Information success, deactivating.
Above-mentioned tissue also initiates further to comprise based on the step of Member Name form payment request information:
Trade company tenders guarantee or approves for from now on repeatedly transaction obtains issuing bank side;
Trade company is that current transaction obtains issuing bank side and tenders guarantee or approve;
Consumer's bank card account transaction funds is really deducted by trade company after confirming that the consumer has accepted commodity or service;
The consumer confirms institute's commodity of purchasing or service to logistics facility or trade company;
Because of the consumer changes transaction commodity or service, when causing former mandate insufficient in amount, trade company obtains issuing bank and enlarges and authorize the amount of money;
Because of the consumer Cancels Transaction, trade company obtains issuing bank and cancels former guarantee or approval;
Overtime because of concluding the business, trade company obtains issuing bank former transaction is carried out towards flat account;
Trade company obtains issuing bank side and provides the approval of directly withholing for current transaction;
Trade company gathers a collection of Successful Transaction amount of money and sends to issuing bank, obtains issuing bank's payment.
The present invention compares with background technology, and following superiority is arranged:
By reducing the technical threshold of consumption terminal, simplify flow process, enlarged the customer group of ecommerce.
By having reduced the technical difficulty of ecommerce, make vast trade company be reduced input, conveniently carry out transaction.
By increasing logistics side, improved safety of electrical business, confidence level.
By using Member Name and bank card account binding, can in disclosing network, avoid leaking bank card information, and can realize complex transaction and the consumptive credit of having only bank card just can do.
By using special bank paying gateway, realize seamless link with existing bank card system, issuing bank need not existing system is made transformation.
By using special payment platform, can easily realize of the connection of many trade companies to the multi-bank card.
Description of drawings
Fig. 1 is the e-commerce environment figure of one embodiment of the invention
Fig. 2 is the e-commerce environment figure of prior art Chinese patent 01125140.9
Fig. 3 is one embodiment of the invention system construction drawing
Fig. 4 is one embodiment of the invention trade company payment mechanism cut-away view
Fig. 5 is one embodiment of the invention payment gateway device cut-away view
Fig. 6 is one embodiment of the invention payment platform device cut-away view
Fig. 7 is one embodiment of the invention logistics device cut-away view
Fig. 8 is one embodiment of the invention apparatus for initializing cut-away view
Fig. 9 is the dynamic data authentication process flow diagram of one embodiment of the invention
Figure 10 is the dynamic data authentication process flow diagram of prior art Chinese patent 01125140.9
Figure 11 is the online authorization flow figure of one embodiment of the invention;
Figure 12 is the online authorization flow figure of prior art Chinese patent 01125140.9;
Figure 13 is the e-commerce transaction process flow diagram of one embodiment of the invention
Figure 14 is the e-commerce transaction process flow diagram of prior art Chinese patent 01125140.9
Embodiment
Specifically introduce a kind of implementation method of native system below in conjunction with Fig. 1 to 14, this method is not unique implementation method, just in order to help the reader to understand native system and method.
The present invention can make the consumer use the Member Name in trade company or payment platform registration to carry out ecommerce, and need not in network, to transmit bank card information, thereby consumer's terminal need not card-reading apparatus, as long as keyboard, information communication module are arranged, ordinary individual's computer for example, fixed line, mobile phone, PDA, set-top box etc.; This is by adopting PKI standard and 5 side's agreements to combine so that this technology to be provided.
Native system has 5 sides to participate in, and they are: consumer, trade company, payment gateway, payment platform, logistics.Be respectively described below below in conjunction with Fig. 1 to Figure 14:
Fig. 1 is the e-commerce environment figure of one embodiment of the invention, wherein 100 represent subscriber cards, 105 expression consumer terminals, 110 expression networks, 115 expression trade companies, 120 expression payment platforms, 125 expression payment gateways, 130 expression issuing banks, 135 expression logistics, transaction must be confirmed just to finish through consumer or its designated beneficiary by logistics, to increase safety of electrical business.
Fig. 2 is the e-commerce environment figure of prior art Chinese patent 01125140.9,200 expression EMV smart cards, 205 expression consumer PC, 210 expression networks, 215 expression card issuer gateways, 220 expression issuing banks, 225 expression retailers; Wherein consumer's terminal must have card-reading apparatus, and the user can only use smart card, does not also have logistics side.
Fig. 3 is one embodiment of the invention system construction drawing, 301 expression apparatus for initializing, 302 expression consumer end devices, 303 expression trade company payment mechanisms, 304 expression payment platform devices, 305 expression payment gateway devices, 306 expression logistics devices; Wherein consumer's terminal (302) is used to send consumer transaction information, and it includes but not limited to existing array apparatus down: PC, fixed line, mobile phone, PDA.
Fig. 4 is one embodiment of the invention trade company payment mechanism cut-away view, wherein 401 represent trade company's member management devices, it is made up of trade company's member management table that series of parameters generates, these parameters comprise Member Name, PIN (Personal Identification Number) (PIN), Real Name, identity document number, contact method, contact address, lead bank etc. at least, wherein PIN (Personal Identification Number) can not be read out, and can only verify whether the PIN (Personal Identification Number) that the consumer submits to is correct;
402 expression transaction initiators, it is made up of a series of initiators, comprising:
The pre-authorization initiator is organized and is initiated a pre-authorization solicited message, is used for trade company and tenders guarantee or approve for from now on repeatedly transaction obtains issuing bank side;
Authorize initiator, organize and initiate an authorization requests information, be used for trade company and be current transaction and obtain issuing bank side and tender guarantee or approve;
Initiator is finished in payment, organizes and initiates a pre-authorization or solicited message is finished in mandate, is used for trade company after confirming that the consumer has accepted commodity or service, really deducts consumer's bank card account transaction funds;
Commodity are confirmed initiator, organize and initiate commodity and confirm solicited message, are used for the consumer and confirm institute's commodity of purchasing or service to logistics facility or trade company;
Authorize to adjust initiator, organize and initiate one and authorize and adjust solicited message, be used for because of the consumer changes transaction commodity or service, when causing former mandate insufficient in amount, trade company obtains issuing bank and enlarges and authorize the amount of money;
Cancel initiator, organize and initiate one and cancel solicited message, be used for because of the consumer Cancels Transaction, trade company obtains issuing bank and cancels former guarantee or approval;
Towards positive initiator, organize and initiate one towards positive solicited message, be used for because of concluding the business overtimely, trade company obtains issuing bank former transaction is carried out towards flat account;
Sell initiator, organize and initiate one and sell solicited message, be used for trade company and obtain issuing bank side and provide the approval of directly withholing for current transaction;
The clearing initiator is organized and is initiated a settlement request information, is used for trade company and a collection of Successful Transaction amount of money is gathered and sends to issuing bank, obtains issuing bank and pays the bill;
Above-mentioned payment information can adopt the SSL coding protocol, also can adopt ASN.1-AbstractSyntax Notaion, the abstract syntax expression, and ISO/IEC8824-1,8824-2, the document of 8824-3 and 8824-4 has the explanation of 1995 editions ASN.1; Can also adopt DER-DistinguishedEncoding Rules, diacritic coding rule is supported unambiguous coding method, ISO/IEC 8825-1 document description the DER of nineteen ninety-five version; Can adopt ISO 8583.1993 again, a kind of and card trading relevant message standard are widely used in existing payment system.
403 expression transaction receivers receive the response message that issuing bank sends, and by information format resolving information content.
Fig. 5 is one embodiment of the invention payment gateway device cut-away view, and 501 expression payment receivers wherein are used to receive the information that payment platform or issuing bank send, and this information comprises Member Name form and bank card form; 502 expression binding devices, it is made up of the binding management table that series of parameters generates, and these parameters comprise Member Name, bank card number, Real Name, identity document number, contact method, contact address etc. at least; 503 expression transcribers become the bank card format information to the information translation of Member Name form, and the bank card format information is converted to the Member Name form; 504 expression payment transmitters send to issuing bank to the bank card format information after the conversion, and the Member Name format information after the conversion is sent to payment platform.
Fig. 6 is one embodiment of the invention payment platform device cut-away view, wherein 601 represent payment platform member management devices, it is made up of the payment platform member management table that series of parameters generates, and these parameters comprise Member Name, PIN (Personal Identification Number) (PIN), Real Name, identity document number, contact method, contact address etc. at least; 602 expression routing managers, it is made up of the routing address admin table that series of parameters generates, and these parameters comprise Member Name, issuing bank's row number (BIN), routing address at least; 603 expression signal repeaters are pressed the routing address of Member Name and are transmitted payment information respective pay gateway, receive its response message hairpinning location again.
Fig. 7 is one embodiment of the invention logistics device cut-away view, wherein 701 represent the delivery management devices, it is made up of the delivery management table that series of parameters generates, these parameters comprise Member Name, Real Name, designated beneficiary's name, types of identity documents and number, contact method, dispensing address, distribution time etc. at least; 702 expression identity information validators can be artificial checkings, also can be that machine is verified automatically, China second-generation identity card reader for example, the passport bar-code scanner can also be a member card reader etc., the Information Authentication in information of obtaining from reader and the delivery management device; 703 expression dispensing devices, it can be artificial dispensing, it also can be the machine dispensing, for example being installed in on-the-spot voucher printing terminal, can also be the information delivery network with identification ability, as Personal Handyphone System, GSM, CDMA, mobile communication networks such as TD-CDMA, the user accepts and confirms to be only dispensing and finish.
Fig. 8 is one embodiment of the invention apparatus for initializing cut-away view, wherein 801 represent to register device, implementation method can be that trade company's payment mechanism is registered to payment platform device or payment gateway device, comprise that also the logistics device registers to trade company's payment mechanism or payment platform device, after obtaining positive response, enter duty, the information of registering comprises trade company or logistics facility digital certificates, the time of registering, random number etc.; The 802 expression managers of registering, implementation method are to receive the information of registering at trade company's payment mechanism or payment platform device or payment gateway device, checking transmitting terminal digital certificates, and record is registered the time, provides the response of positive or negative; 803 expression concentrator markers, implementation method is: load identification code when sending in information, for example based on Member Name and PIN (Personal Identification Number), or based on the message authentication code (MAC) of message information, this technology is defined by ISO8583, also can adopt digital signature and Digital Envelope Technology based on PKCS#1 or PKCS#5 or PKCS#7 standard; 804 expression sign validators, the method for implementation method and concentrator marker is supporting, by verifying this sign, determines whether this information satisfies authenticity, integrality, trackability; 805 sign-out devices, implementation method is: the logistics device sends when order of classes or grades at school transaction summary information to trade company's payment mechanism, trade company's payment mechanism sends when order of classes or grades at school transaction summary information to payment platform device or payment gateway device again, obtain positive response after, finish the work of this order of classes or grades at school; If can not obtain positive response, will send managing detailed catalogue, until obtaining positive response when the order of classes or grades at school transaction.
Fig. 9 is the dynamic data authentication process flow diagram of one embodiment of the invention, wherein step 901 consumer sends the data that will verify to trade company, when sending Transaction Information, annotate oneself sign, this sign can be a digital signature, also can PIN (Personal Identification Number) (PIN), when wherein sending transaction request by telephone device, its PIN (Personal Identification Number) (PIN) adopts inputting method, touches to avoid the professional employee of trade company; Data Identification trade company signature in step 902 trade company to verifying sends to payment gateway, sends to issuing bank behind the payment gateway certifying signature again; After step 903 payment gateway obtained bank's response, the signature that marks oneself sent to trade company; Send the data that to verify to logistics in step 904 trade company; Submit to the data that will verify to give the consumer in step 905 logistics; Provide the response of positive or negative step 906 consumer; Submit the response of positive or negative in step 907 logistics; Submit to the information of positive or negative to give the consumer in step 908 trade company.
Figure 10 is the dynamic data authentication process flow diagram of prior art Chinese patent 01125140.9, and in step 1006,1007 retailers send to smart card to the data that will verify by consumer PC and carry out digital signature; By consumer PC the data through the smart card signature are sent to the bank of issue and verify step 1008,1009 consumers, obtain the response of positive or negative in step 1010.
Figure 11 is the online authorization flow figure of one embodiment of the invention, the consumer initiates transaction request to trade company in step 1101, authorization requests in from step 1102 trade company to payment gateway sponsor member name format, the authorization requests of this Member Name form is converted to the authorization requests of bank card form at step 1103 payment gateway, send to issuing bank, beam back the authorization response of bank card form in step 1104 issuing bank, at step 1105 payment gateway the response of this bank card form is converted to the Member Name form and be transmitted to trade company, whether be authorized according to this response in 1106 trade companies, whether the response consumer strikes a bargain, just enter step 1107 trade company if strike a bargain and pay commodity or information on services to logistics, in step 1108 logistics checking consumer identity, after step 1109 logistics is verifying that consumer's identity is correct, want consumer's affirmation or deny commodity or service, submit consumer's affirmation to or deny voucher to trade company in step 1110 logistics, finish request in step 1111 trade company to the mandate of payment gateway sponsor member name format, at step 1112 payment gateway the mandate of asking to convert the bank card form to is finished in the mandate of this Member Name form and finished request, send to issuing bank, beam back the mandate of bank card form in step 1113 issuing bank and finish response, at step 1114 payment gateway the response of this bank card form is converted to the Member Name form and be transmitted to trade company.
Figure 12 is the online authorization flow figure of prior art Chinese patent 01125140.9; At step 1230a smart card transaction authorization request information is signed, at step 1230b this information is sent to the publisher's gateway and the bank of issue by consumer PC, beam back verification msg (authorization response) in the step 1231a bank of issue by publisher's gateway, at step 1231b this verification msg is mail to smart card by consumer PC, after step 1232a and 1232b smart card are to this data signature, this verification msg is mail to the retailer together with merchandise news, step 1232c retailer these data are mail to and to obtain money bank, obtain the transaction fund, obtain money bank at step 1232d and send data, settle accounts this transaction fund to the bank of issue.
Figure 13 is the e-commerce transaction process flow diagram of one embodiment of the invention, step 1301 consumer to the sponsor member of trade company title and PIN (Personal Identification Number) (PIN) application for registration, in step 1302 trade company response this application, the Member Name that can be short of repetition all obtains certainly, also can distribute a sets of numbers as Member Name by trade company, PIN (Personal Identification Number) can be a User Defined, can be trade company's specified length also, the set of number that is set by the user again; Send the application of registering in step 1303 logistics to trade company, after step 1304 logistics receives that trade company provides positive response, begin to enter duty, trade company registers to payment platform in step 1305, after step 1306 trade company is obtaining positive response, begin to enter duty; Send Member Name and bank card binding application step 1307 consumer to payment gateway, after the legitimacy of its application of checking, provide the response of positive or negative at step 1308 payment gateway;
The consumer initiates transaction request to trade company in step 1309, transaction request at step 1310 trade company tissue and initiation Member Name form, this transaction request can be different types of transaction according to the commodity difference, and only when commodity that need not to provide and deliver or service, being only disappears sells type of transaction, down-load music then and there for example, video, software etc., needing the commodity of dispensing all is the authorized transactions type, once authorize when being used for repeatedly concluding the business, just initiate the pre-authorization transaction; Transmit this transaction request at step 1311 payment platform according to routing address and give corresponding payment gateway, payment gateway becomes this information translation the bank card form to send to issuing bank, if there is not corresponding bank card information, just stop transaction, respond the information of Fail Transaction; At step 1312 payment gateway the response message of issuing bank is converted to the Member Name form and postback, transmit this information to corresponding trade company according to former transaction address or link at step 1313 payment platform to payment platform; Result in step 1314 trade company according to this its positive or negative of information analysis postbacks to the consumer;
Step 1315 consumer in also dispensing when not finishing of the commodity of obtaining the authorization or service, require change commodity or service, and the value of new commodity or service is higher than former commodity or value of services, adjustment transaction request at step 1316 trade company tissue and initiation Member Name form is given payment platform, the amount of money of adjusting transaction is added value, transmit this transaction at step 1317 payment platform according to routing address and give corresponding payment gateway, payment gateway becomes this information translation the bank card form to send to issuing bank, receive the response message of issuing bank at step 1318 payment gateway, and convert the Member Name form to and postback to payment platform, transmit this information at step 1319 payment platform according to former transaction address or link and give corresponding trade company; Result in step 1320 trade company according to this its positive or negative of information analysis postbacks to the consumer;
Step 1321 consumer in also dispensing when not finishing of the commodity of obtaining the authorization or service, require these commodity of cancellation or service, whether basis collects back-order cost in step 1322 trade company, tissue is also initiated the mandate of Member Name form and is finished transaction or cancel transaction to payment platform, to finish dealing money be back-order cost and authorize, transmit this transaction at step 1323 payment platform according to routing address and give corresponding payment gateway, payment gateway becomes this information translation the bank card form to send to issuing bank, receive issuing bank's response message and it is converted to the Member Name form at step 1324 payment gateway and postback to payment platform, transmit this information to corresponding trade company at step 1325 payment platform according to former transaction address or link, submit to response results information to give the consumer in step 1326 trade company;
Submit to distribution information to give logistics in step 1327 trade company, at step 1328 logistics collection and checking consumer identity information, enter step 1329 after being proved to be successful, consumer or its designated beneficiary confirm commodity or service, submitting to the dispensing response message to give trade company in step 1330 logistics, can be the response of positive or negative, after step 1331 trade company is receiving the dispensing successful information, tissue and initiation are authorized or pre-authorization is finished transaction, and payment is finished the amount of money and is commodity or the value of services of successfully providing and delivering; Trade company is after any once transaction initiation, in the time of appointment, (can set according to line conditions to payment gateway, be generally tens of second) do not receive response message, just tissue is initiated to dash and is just concluded the business, dashing the amount of money of just concluding the business is exactly former dealing money, mode according to former transaction is handled, and receives until trade company and dashes positive successful response message, continues to initiate former transaction again; Can initiate continuously to dash for three times and just conclude the business, all fail at the appointed time to receive response message, just suspend the transaction of this payment gateway if dash for three times just concluding the business, and to system's information that gives a warning; Transmit this transaction at step 1332 payment platform according to routing address and give corresponding payment gateway, payment gateway becomes this information translation the bank card form to send to issuing bank, receive issuing bank's response message and it is converted to the Member Name form at step 1333 payment gateway and postback, transmit this information at step 1334 payment platform according to former transaction address or link and give corresponding trade company to payment platform.
Initiate the settlement bargain request in step 1335 trade company to payment platform, transmission from the complete transaction total value since the time of registering to payment platform, transmit this transaction at step 1336 payment platform according to routing address and give corresponding payment gateway, payment gateway becomes this information translation the bank card form to send to issuing bank, receive issuing bank's response message and it is converted to the Member Name form at step 1337 payment gateway and postback, transmit this information at step 1338 payment platform according to former transaction address or link and give corresponding trade company to payment platform; If negative response message is received by trade company, sent complete transaction detail since the time of registering to payment platform, until the response message of receiving success.
Figure 14 is the e-commerce transaction process flow diagram of prior art Chinese patent 01125140.9, send " purchase " indication by consumer device to the retailer step 1400 consumer, send encryption key requests at step 1401 consumer device to the bank of issue, provide encryption key response and own proof of identification in step 1402 bank of issue, step 1405 retailer with " purchase " amount of money to the wallet initialization, and provide oneself proof of identification, at step 1410 smart card transaction data is signed, submit to the bank of issue together with consumer ID and EMV data, the bank of issue provides response data in step 1415, comprise bank of issue's signature authorises mark, own proof of identification, IAD or IS, transmit the bank of issue signature authorises mark and TC or ISR at step 1420 consumer device, write down bank of issue's signature authorises mark step 725 retailer, gather dealing money and send to obtaining money bank, obtain money bank in step 1430 and send the charge number to the bank of issue, obtain money banker's record bank of issue signature authorises mark, response transaction amount of money total amount in step 1435.
It more than is a kind of general implementation method, colleague's technician is understanding on the basis of the principle of the invention, and can develop multiple implementation method, for example Member Name is arranged into member's card number, further can also make the same card to member card and bank card, be exactly joint name card; Payment platform is an option, and a trade company can only conclude the business with one or two tame banks, just need not build payment platform; Also can merge one to payment platform and payment gateway; Member Name can be by the consumer to the payment platform application, and is general in all trade companies again; If what sell is electronic passenger ticket, the consumer gets reimbursement voucher or boarding card on the airport behavior is provided and delivered exactly and is finished; If what sell is hotel guest room, it is exactly that dispensing is finished that the consumer moves in, and all is protection scope of the present invention.
Claims (14)
1. pass through trade company or the Member Name of payment platform and the e-commerce system of bank card binding in an open network, it is characterized in that comprising:
Consumer's end device is used to send consumer transaction and receives response message;
Trade company's payment mechanism is used for trade company and initiates consumer payment and receive response message;
The payment gateway device is used to finish the format conversion that payment is believed;
Payment platform device is used for forwarding information between trade company and issuing bank;
The logistics device is used for gathering, verifies beneficiary's identity information and confirms commodity or service;
Apparatus for initializing is used for setting up and the Administrative Security passage authenticity, trackability and the integrality of guarantee information in transmission course between said apparatus.
2. the system as claimed in claim 1, wherein said trade company payment mechanism is characterized in that comprising:
Trade company's member management device is used to manage trade company's membership information;
The transaction initiator is used to organize and initiates payment request information based on the Member Name form;
The transaction receiver is used to receive and resolve the payment response information based on the Member Name form.
3. the system as claimed in claim 1, wherein said payment gateway device is characterized in that comprising:
The binding device is used for setting up between Member Name and bank card and the management binding relationship;
The payment receiver is used to receive payment information;
The payment transmitter is used to send payment information;
Transcriber is used for payment information is changed between Member Name form and bank card form.
4. the system as claimed in claim 1, wherein said payment platform device is characterized in that comprising:
Payment platform member management device is used for managing payment platform membership information;
Routing manager is used for setting up between Member Name and payment gateway and the management routing address;
Signal repeater is used for transmitting payment information by routing address.
5. the system as claimed in claim 1, wherein said logistics device is characterized in that comprising:
The delivery management device is used to manage member's distribution information;
The identity information validator is used for gathering and checking beneficiary identity information;
Dispensing device is used for the consumer and confirms commodity or service.
6. the system as claimed in claim 1, wherein said apparatus for initializing is characterized in that comprising:
The device of registering is used for sending the information of registering, and after success response information is registered in reception, enters duty;
Concentrator marker is used for the transmission information filling transmitting terminal sign to institute;
The manager of registering is used for the transmitting terminal identity legitimacy is managed;
The sign validator is used for according to sign authorization information authenticity, trackability and integrality;
Sign-out device is used for the state of deactivating after checking the Transaction Information success.
7. system as claimed in claim 1 or 2, wherein said transaction initiator is characterized in that comprising:
The pre-authorization initiator is used for trade company and tenders guarantee or approve for from now on repeatedly transaction obtains issuing bank side;
Authorize initiator, be used for trade company and be current transaction and obtain issuing bank side and tender guarantee or approve;
Initiator is finished in payment, is used for trade company after confirming that the consumer has accepted commodity or service, really deducts consumer's bank card account transaction funds;
Commodity are confirmed initiator, are used for the consumer and confirm institute's commodity of purchasing or service to logistics facility or trade company;
Adjust initiator, be used for because of the consumer changes transaction commodity or service, when causing former mandate insufficient in amount, trade company obtains issuing bank and enlarges and authorize the amount of money;
Cancel initiator, be used for because of the consumer Cancels Transaction, trade company obtains issuing bank and cancels former guarantee or approval;
Towards positive initiator, be used for because of concluding the business overtimely, trade company obtains issuing bank former transaction is carried out towards flat account;
Sell initiator, being used for acquisition issuing bank of trade company provides the approval of directly withholing for current transaction;
The clearing initiator is used for trade company and a collection of Successful Transaction amount of money is gathered and sends to issuing bank, obtains issuing bank and pays the bill.
8. by the E-commerce method of Member Name and bank card binding, it is characterized in that comprising the following steps:
Steps A: send consumer transaction and receive response message;
Step B: trade company initiates consumer payment and receives response message;
Step C: the format conversion of finishing payment information;
Step D: forwarding information between trade company and issuing bank;
Step e: gather, verify beneficiary's identity information and confirm commodity or service;
Step F: between the transaction participant, set up and the Administrative Security passage authenticity, trackability and the integrality of guarantee information in transmission course.
9. method as claimed in claim 8 is characterized in that described step B also comprises the following steps:
Management trade company membership information;
Tissue and initiation are based on the payment request information of Member Name form;
Receive and resolve payment response information based on the Member Name form.
10. method as claimed in claim 8 is characterized in that described step C also comprises the following steps:
Between Member Name and bank card, set up and the management binding relationship;
Receive payment information;
Send payment information;
Payment information is changed between Member Name form and bank card form.
11. method as claimed in claim 8 is characterized in that described step D also comprises the following steps:
Managing payment platform membership information;
Between Member Name and payment gateway, set up and the management routing address;
Press routing address and transmit payment information.
12. method as claimed in claim 8 is characterized in that described step e also comprises the following steps:
Management member distribution information;
Gather and checking beneficiary identity information;
The consumer confirms commodity or service.
13. method as claimed in claim 8 is characterized in that described step F also comprises the following steps to send the information of registering, and after success response information is registered in reception, enters duty;
To institute's transmission information filling transmitting terminal sign;
The transmitting terminal identity legitimacy is managed;
According to transmitting terminal sign authorization information authenticity, trackability and integrality.
The state of after checking Transaction Information success, deactivating.
14. method is characterized in that described tissue and initiates also comprising the following steps: based on the payment request information step of Member Name form as claimed in claim 8 or 9
Trade company tenders guarantee or approves for from now on repeatedly transaction obtains issuing bank side;
Trade company is that current transaction obtains issuing bank side and tenders guarantee or approve;
Consumer's bank card account transaction funds is really deducted by trade company after confirming that the consumer has accepted commodity or service;
The consumer confirms institute's commodity of purchasing or service to logistics facility or trade company;
Because of the consumer changes transaction commodity or service, when causing former mandate insufficient in amount, trade company obtains issuing bank and enlarges and authorize the amount of money;
Because of the consumer Cancels Transaction, trade company obtains issuing bank and cancels former guarantee or approval;
Overtime because of concluding the business, trade company obtains issuing bank former transaction is carried out towards flat account;
Trade company obtains issuing bank and provides the approval of directly withholing for current transaction;
Trade company gathers a collection of Successful Transaction amount of money and sends to issuing bank, obtains issuing bank's payment.
Priority Applications (1)
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| CN200810087387.3A CN101354770B (en) | 2007-03-23 | 2008-03-24 | Use the system and method that five side's protocol realization bank cards pay |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2007100272612A CN101071490A (en) | 2007-03-23 | 2007-03-23 | Member name and bank card binding electronic business system and method |
| CN200710027261.2 | 2007-03-23 | ||
| CN2007100272612 | 2007-03-23 | ||
| CN200810087387.3A CN101354770B (en) | 2007-03-23 | 2008-03-24 | Use the system and method that five side's protocol realization bank cards pay |
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| Publication Number | Publication Date |
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| CN101354770A true CN101354770A (en) | 2009-01-28 |
| CN101354770B CN101354770B (en) | 2016-06-01 |
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| CNA2007100272612A Pending CN101071490A (en) | 2007-03-23 | 2007-03-23 | Member name and bank card binding electronic business system and method |
| CN200810087387.3A Active CN101354770B (en) | 2007-03-23 | 2008-03-24 | Use the system and method that five side's protocol realization bank cards pay |
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| CNA2007100272612A Pending CN101071490A (en) | 2007-03-23 | 2007-03-23 | Member name and bank card binding electronic business system and method |
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Also Published As
| Publication number | Publication date |
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| CN101354770B (en) | 2016-06-01 |
| CN101071490A (en) | 2007-11-14 |
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