CN101604427A - Data processing method and system, transaction processing system, third party's payment system - Google Patents
Data processing method and system, transaction processing system, third party's payment system Download PDFInfo
- Publication number
- CN101604427A CN101604427A CNA2009101584926A CN200910158492A CN101604427A CN 101604427 A CN101604427 A CN 101604427A CN A2009101584926 A CNA2009101584926 A CN A2009101584926A CN 200910158492 A CN200910158492 A CN 200910158492A CN 101604427 A CN101604427 A CN 101604427A
- Authority
- CN
- China
- Prior art keywords
- transaction
- information
- buyer
- party
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the present application discloses based on the transaction data processing method of third party's payment platform and system, transaction processing system, third party's payment system, and described method comprises: receive the buyer by the buyer account information of portable terminal with the wireless mode transmission; Obtain Transaction Information and vendor account information from transaction terminal, comprise dealing money in the described Transaction Information at least; Send transaction request to third party's payment platform, comprise described buyer's account information, vendor account information and Transaction Information in the described transaction request; Receive the transaction results information that described third party's payment platform returns, described transaction results information is described third party's payment platform according to the described Transaction Information information that dealing money generates to the described vendor account of transferring accounts from described buyer account.Therefore the embodiment of the present application has improved the convenience of user's payment owing to realize payment by portable terminal; And, because the implementation procedure of transaction payment based on third party's payment platform, has therefore improved payment safety.
Description
Technical field
The application relates to communication technical field, relates in particular to based on the transaction data processing method of third party's payment platform and system, transaction processing system, third party's payment system.
Background technology
Nowadays paying by mails has become the widely used modes of payments in people's daily life, pays by mails to refer to that unit or individual by electric terminal, directly or indirectly send payment instruction to bank and other financial mechanism, realizes the process of the monetary payoff and the transfer of funds.A kind of common electronic payment mode is that point of sales terminal (is for example paid, buy commodity in the market), this modes of payments needs the user to carry bank card, seller is provided with the machine for punching the card with bank's networking, when the user buys commodity, seller is finished payment by machine for punching the card, transfers accounts the corresponding amount of money from user's bank account in the bank account of seller; Another kind of common electronic payment mode is the network payment mode based on third party's payment platform, for example, and Alipay, many weeks, third party's payment platform has higher payment safety.
In research and practice process to prior art, the inventor finds that the above-mentioned point of sales terminal modes of payments needs the user to carry bank card in real time, and growing along with communication network, portable terminal also becomes the necessary article that people carry, but, people may feel inconvenience in daily life because more article carried by needs, when having forgotten bank card, then are difficult at point-of-sale purchasing commodity such as markets especially; And, in the loss of bank card or the process of paying by bank card, reveal the userspersonal information easily, the security of the therefore existing point of sales terminal modes of payments is not high.Hence one can see that, though portable terminal is an objects carried by people in the prior art, and has higher security based on the modes of payments of third party's payment platform, but is applied in the point of sales terminal modes of payments.
Summary of the invention
The purpose of the embodiment of the present application provides based on the transaction data processing method of third party's payment platform and system, transaction processing system, third party's payment system, to improve the payment safety and the user experience of the point of sale modes of payments.
For solving the problems of the technologies described above, the embodiment of the present application provides a kind of transaction data processing method based on third party's payment platform, is achieved in that
A kind of transaction data processing method based on third party's payment platform comprises:
Receive the buyer by the buyer account information of portable terminal with the wireless mode transmission;
Obtain Transaction Information and vendor account information from transaction terminal, comprise dealing money in the described Transaction Information at least;
Send transaction request to third party's payment platform, comprise described buyer's account information, vendor account information and Transaction Information in the described transaction request;
Receive the transaction results information that described third party's payment platform returns, described transaction results information is described third party's payment platform according to the described Transaction Information information that dealing money generates to the described vendor account of transferring accounts from described buyer account.
For solving the problems of the technologies described above, the embodiment of the present application also provides another kind of transaction data processing method based on third party's payment platform, is achieved in that
A kind of transaction data processing method based on third party's payment platform comprises:
Receive the transaction request that transaction processing platform sends, comprise buyer's account information, vendor account information and Transaction Information in the described transaction request, described transaction processing platform is used to receive the buyer by the described buyer account information of portable terminal with the wireless mode transmission, and described Transaction Information and the vendor account information of obtaining the transaction terminal input, comprise dealing money in the described Transaction Information at least;
From described buyer account, transfer accounts dealing money to described vendor account according to described Transaction Information;
Return transaction results information to described transaction processing platform.
For solving the problems of the technologies described above, the embodiment of the present application also provides another kind of payment processing system, transaction processing system, third party's payment system based on third party's payment platform, is achieved in that respectively
A kind of transaction data disposal system based on third party's payment platform comprises: portable terminal, transaction terminal, transaction processing platform and third party's payment platform,
Described portable terminal is used for wireless mode to described transaction processing platform transmission buyer account information;
Described transaction terminal is used for providing Transaction Information and vendor account information to described transaction processing platform, comprises dealing money in the described Transaction Information at least;
Described transaction processing platform is used for sending transaction request to third party's payment platform, comprises described buyer's account information, vendor account information and Transaction Information in the described transaction request;
Described third party's payment platform after being used to receive the transaction request of transaction processing platform transmission, is transferred accounts dealing money to described vendor account according to described Transaction Information, and is returned transaction results information to described transaction processing platform from described buyer account.
A kind of transaction processing system comprises:
Information receiving unit is used to receive the buyer by the buyer account information of portable terminal with the wireless mode transmission;
Information acquisition unit is used for obtaining Transaction Information and vendor account information from transaction terminal, comprises dealing money in the described Transaction Information at least;
Request transmitting unit is used for sending transaction request to third party's payment platform, comprises described buyer's account information, vendor account information and Transaction Information in the described transaction request;
Receiving element as a result, be used to receive the transaction results information that described third party's payment platform returns, described transaction results information is described third party's payment platform according to the described Transaction Information information that dealing money generates to the described vendor account of transferring accounts from described buyer account.
A kind of third party's payment system comprises:
Receive request unit, be used to receive the transaction request that transaction processing platform sends, comprise buyer's account information, vendor account information and Transaction Information in the described transaction request, described transaction processing platform is used to receive the buyer by the described buyer account information of portable terminal with the wireless mode transmission, and described Transaction Information and the vendor account information of obtaining the transaction terminal input, comprise dealing money in the described Transaction Information at least;
The transaction performance element is used for transferring accounts dealing money to described vendor account according to described Transaction Information from described buyer account;
The result returns the unit, is used for returning transaction results information to described transaction processing platform.
As seen, in the embodiment of the present application, made full use of the property carried of buyer's portable terminal, and the security of third party's payment platform, the data processing method of using the embodiment of the present application in the payment process of point of sale is finished transaction payment, because the buyer need not to carry bank card again, realize payment by portable terminal, therefore improved the convenience of user's payment; And, because the implementation procedure of transaction payment based on third party's payment platform, has therefore improved the point of sale security of payment.
Description of drawings
In order to be illustrated more clearly in the embodiment of the present application or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, the accompanying drawing that describes below only is some embodiment that put down in writing among the application, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the first embodiment process flow diagram of the application based on the transaction data processing method of third party's payment platform;
Fig. 2 is the second embodiment process flow diagram of the application based on the transaction data processing method of third party's payment platform;
Fig. 3 is the first embodiment process flow diagram of the application based on the transaction data processing method of third party's payment platform;
Fig. 4 is the embodiment block diagram of the application based on the transaction data disposal system of third party's payment platform;
Fig. 5 is the embodiment block diagram of the application's transaction processing system;
Fig. 6 is the embodiment block diagram of the application third party's payment system.
Embodiment
The embodiment of the present application provides based on the transaction data processing method of third party's payment platform and system, transaction processing system, third party's payment system.
Wherein, the payment platform of third party described in the embodiment of the present application is for linking to each other with bank by network or special line and possessing the transaction platform that the third-party institution that is independent of the buyer and the seller of prestige guarantee provides, for example, and Alipay; Portable terminal refers to that mobile phone, PDA (Personal Digital Assistant, personal digital assistant) etc. are convenient to the electric terminal that the user carries.
In order to make those skilled in the art person understand technical scheme among the application better, below in conjunction with the accompanying drawing in the embodiment of the present application, technical scheme in the embodiment of the present application is clearly and completely described, obviously, described embodiment only is the application's part embodiment, rather than whole embodiment.Based on the embodiment among the application, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all should belong to the scope of the application's protection.
The application based on the first embodiment flow process of the transaction data processing method of third party's payment platform as shown in Figure 1, this embodiment has described the transaction data processing procedure from transaction processing platform side:
Step 101: transaction processing platform receives the buyer by the buyer account information of portable terminal with the wireless mode transmission.
The buyer has registered buyer account in advance on third party's payment platform, after registration is finished, buyer account's information is stored in the portable terminal of carrying in advance.Wherein, when being provided with in the portable terminal when being used to send the contactless chip of radiofrequency signal, portable terminal sends buyer's account information by contactless chip to transaction processing platform, contactless chip can be specially RFID (Radio Frequency Identification, radio-frequency (RF) identification) chip, perhaps FeliCaIC chip etc.; When being provided with bluetooth module or infrared module in the portable terminal, portable terminal sends buyer's account information by bluetooth module or infrared module to transaction processing platform.
When storage buyer account information, the account information stored programme can be set in portable terminal, be similar to the function of storage personal information in the existing mobile phone, be stored in the storage space of portable terminal by the account information of this program user's input; Perhaps, also account information can be kept in certain chip in advance, and this chip is implanted in the portable terminal.In transaction processing platform side, can come buyer's account information of mobile terminal receive transmission by the signalization receiver, this signal receiver is usually located at the actual spot of transaction, for example, the market.When carrying out information interaction between signal receiver and the portable terminal, when portable terminal approach signal receiver, send the instruction of obtaining buyer's account information by signal receiver, contactless chip in the portable terminal sends to signal receiver with buyer's account information with the form of character string then, and signal receiver is buyer's account information with the information translation of the string format that receives.
Step 102: transaction processing platform is obtained Transaction Information and the vendor account information that comprises dealing money from transaction terminal.
Transaction terminal also is arranged on the actual spot of transaction usually, when transaction takes place, sell direction transaction terminal input and comprise the Transaction Information and the vendor account information of dealing money, transaction terminal by Network Transmission Transaction Information and vendor account information to the processing platform of concluding the business.Wherein, the seller has also registered vendor account in advance on third party's payment platform, after registration is finished, vendor account information is stored in the transaction terminal in advance.
Step 103: transaction processing platform sends the transaction request that comprises buyer's account information, vendor account information and Transaction Information to third party's payment platform.
Wherein, when the plural buyer need conclude the business, need each buyer to conclude the business in proper order in transaction processing platform side, and can distinguish by the unique identification sign indicating number is set every transaction.
Step 104: transaction processing platform receives the transaction results information that third party's payment platform returns, and finishes current flow process.
Wherein, transaction results information for third party's payment platform according to the Transaction Information information that dealing money generated to the vendor account of from buyer account, transferring accounts.
The application based on the second embodiment flow process of the transaction data processing method of third party's payment platform as shown in Figure 2, this embodiment has described the transaction data processing procedure from third party payment platform side:
Step 201: third party's payment platform receives the transaction request that comprises buyer's account information, vendor account information and Transaction Information that transaction processing platform sends.
Wherein, the buyer arrives transaction processing platform by portable terminal with wireless mode transmission buyer account information, and transaction processing platform is obtained Transaction Information and the vendor account information that comprises dealing money from transaction terminal.
Step 202: third party's payment platform is transferred accounts dealing money to vendor account according to Transaction Information from buyer account.
Step 203: third party's payment platform returns transaction results information to transaction processing platform, finishes current flow process.
Wherein, if third party's payment platform is transferred accounts successfully, then return the transaction results information of money transfer transactions amount of money success to transaction processing platform; The failure if third party's payment platform is transferred accounts is then returned the transaction results information that the money transfer transactions amount of money is failed to transaction processing platform.
The application based on the 3rd embodiment flow process of the transaction data processing method of third party's payment platform as shown in Figure 3, this embodiment shows in detail the payment platform based on the third party, the user realizes the process of point of sale payment by portable terminal:
Step 301: the portable terminal that the buyer carries transmits buyer's account information with wireless mode to transaction processing platform.
The buyer has registered buyer account in advance on third party's payment platform, after registration is finished, buyer account's information is stored in the portable terminal of carrying in advance.
Wherein, when being provided with in the portable terminal when being used to send the contactless chip of radiofrequency signal, portable terminal sends buyer's account information by contactless chip to transaction processing platform, and contactless chip can be specially the RFID chip, perhaps FeliCaIC chip etc.; When being provided with bluetooth module or infrared module in the portable terminal, portable terminal sends buyer's account information by bluetooth module or infrared module to transaction processing platform.Accordingly, in transaction processing platform side, can come buyer's account information of mobile terminal receive transmission by the signalization receiver, this signal receiver is usually located at the actual spot of transaction, for example, and the market.
Step 302: transaction processing platform is obtained Transaction Information and the vendor account information that comprises dealing money from transaction terminal.
Transaction terminal also is arranged on the actual spot of transaction usually, when transaction takes place, sell direction transaction terminal input and comprise the Transaction Information and the vendor account information of dealing money, transaction terminal by Network Transmission Transaction Information and vendor account information to the processing platform of concluding the business.Wherein, the seller has also registered vendor account in advance on third party's payment platform, after registration is finished, vendor account information is stored in the transaction terminal in advance.
Step 303: transaction processing platform is created transaction record according to buyer's account information, vendor account information and Transaction Information in database, and is the unique Transaction Identification Number of this transaction record distribution.
Wherein, the transaction record of creating in database is deposited with the form of table usually, each list item is represented a transaction record, each bar transaction record is discerned by the unique Transaction Identification Number that distributes, this Transaction Identification Number can be specially the numeral number of being made up of exchange hour, transaction goods number and transaction journal series arrangement, concrete form the embodiment of the present application of Transaction Identification Number does not limit, as long as Transaction Identification Number that can unique identification transaction record.
Step 304: the transaction attribute of this transaction record of transaction processing platform is set to incomplete transaction.
Whether the table of being created in step 303 that is used for preserving transaction record can also be provided with the transaction attribute field, be used for the sign transaction and finish.When increasing a transaction record newly in transaction processing platform, initially the transaction attribute of this transaction record is set to incomplete transaction.
Step 305: transaction processing platform sends the transaction request that comprises buyer's account information, vendor account information and Transaction Information to third party's payment platform.
Step 306: whether third party's payment platform is correct according to buyer's account information and the vendor account information in buyer account who sets up in advance and the vendor account detection transaction request, if then execution in step 307; Otherwise, execution in step 313.
Step 307: third party's payment platform is transferred accounts dealing money to vendor account according to Transaction Information from buyer account.
Step 308: third party's payment platform judges whether the money transfer transactions amount of money is successful, if then execution in step 309; Otherwise, execution in step 311.
Finish from buyer account to the vendor account money transfer transactions amount of money, then need to guarantee that the enough amount of money is arranged in the buyer account, need simultaneously to guarantee that buyer account and vendor account all are in upstate, otherwise third party's payment platform can't be finished the money transfer transactions amount of money.
The user can supplement with money in the account of third party's payment platform by Net silver, and for example, third party's payment platform is an Alipay, and the total charge of supplementing with money in the buyer account of back is the account balance of this buyer in third party's payment platform.In process of exchange, when the account balance in the buyer account is not enough to the payment transaction amount of money, then can't finish this payment, its account balance deficiency can be pointed out the buyer by system.
Step 309: third party's payment platform is preserved the transaction record comprise dealing money, returns the transaction results information of Transaction Success to transaction processing platform, and sends Transaction Success message to portable terminal.
The success of third party's payment platform money transfer transactions amount of money can be preserved the transaction record that comprises dealing money, can further comprise transaction deadline, buyer's account information and vendor account information etc. in this transaction record; Simultaneously, third party's payment platform sends Transaction Success message to portable terminal, third party's payment platform is when creating buyer account, also stored the contact method of buyer's portable terminal simultaneously, for example, third party's payment platform has been preserved the number of mobile phone that the buyer holds, and then third party's payment platform is after the success of transferring accounts, number by storage sends SMS message the notice buyer Transaction Success to buyer's mobile phone.
Step 310: transaction processing platform for finishing transaction, and to transaction terminal transmission Transaction Success message, finishes current flow process according to transaction results information updating transaction attribute.
Step 311: third party's payment platform returns the transaction results information of Fail Transaction to transaction processing platform, and sends Fail Transaction message to portable terminal.
Step 312: transaction processing platform sends Fail Transaction message according to transaction results information to transaction terminal, finishes current flow process.
Step 313: third party's payment platform sends Fail Transaction message to transaction processing platform, finishes current flow process.
Need to prove that above-mentioned transaction processing platform and third party's payment platform can not limit this embodiment of the present application by the processing that one or more servers carry out transaction data is set respectively.
Buying digital camera with the user in the market below is that example shows the mobile payment process based on the third party transaction platform:
User and market are provided with the account respectively in advance on third party's payment platform, and implanted the RFID chip in user's the mobile phone in advance, this chip stored user account information, when the user the market select to be worth be 2000 yuan digital camera after, the place pays the bill at the market cashier, the market cashier is provided with card reader and transaction terminal equipment, the user sends the radiofrequency signal that comprises user account information by the RFID chip that is provided with in the mobile phone to card reader, card reader is transferred to transaction processing platform with this user account information, and transaction terminal equipment is transferred to transaction processing platform for 2000 yuan with the market account information and the amount of money, further can also transmit the goods number of digital camera, trade name.
Transaction processing platform can check earlier whether user account is legal, whether amount of money form is accurate, after checking that all correctly, preserve commodity code, user account, the market account, trade name, information such as the commodity amount of money, in the tran list of database, create transaction record for the transaction of this stroke count sign indicating number camera then, for example, the trade name field writes " digital camera ", the commodity amount field writes " 2000 ", the item property field writes " incomplete transaction ", buyer account's field writes user account information, the vendor account field writes the market account information, transaction number field is written as unique Transaction Identification Number " 200905160000001 " that this transaction generates (wherein, the date that 20090516 sign transaction produce, the serial number of 0000001 sign transaction).After the transaction creation success, transaction processing platform sends Payment Request by network to third party's payment platform, comprises at least in this request: market account, user account and the amount of money 2000.
After third party's payment platform receives Payment Request, whether the account status of checking user and market is normal, and whether 2000 yuan of enough amount of money payments are arranged in the inspection user account, check by the back from transferring accounts 2000 yuan in the user account to the market account, the renewal user account amount of money.Transfer accounts after the success, the object information of Transaction Success is returned to transaction processing system, the transaction attribute that transaction processing platform is upgraded the transaction record of this digital camera is " finishing transaction ", and on transaction terminal the information of this Transaction Success of demonstration; Simultaneously, third party's payment platform sends the short message of Transaction Success to user mobile phone, thereby finishes the process of exchange of digital camera.
Hence one can see that, the embodiment that above-mentioned the application's transaction data is handled has made full use of the property carried of buyer's portable terminal, and the security of third party's payment platform, the data processing method of using the embodiment of the present application in the payment process of point of sale is finished transaction payment, because the buyer need not to carry bank card again, realize payment by portable terminal, therefore improved user experience; And, because the implementation procedure of transaction payment based on third party's payment platform, has therefore improved the point of sale security of payment.
Corresponding based on the embodiment of the transaction data processing method of third party's payment platform with the application, the application also provides the embodiment of transaction data disposal system, transaction processing system and third party's payment system based on third party's payment platform.
The application based on the embodiment block diagram of the transaction data disposal system of third party's payment platform as shown in Figure 4, this system comprises: portable terminal 410, transaction terminal 420, transaction processing platform 430 and third party's payment platform 440.
Wherein, portable terminal 410 is used for wireless mode to described transaction processing platform transmission buyer account information;
After third party's payment platform 440 is used to receive the transaction request of transaction processing platform transmission, from described buyer account, transfer accounts dealing money to described vendor account, and return transaction results information to described transaction processing platform according to described Transaction Information.
The embodiment block diagram of the application's transaction processing system as shown in Figure 5, this system comprises: information receiving unit 510, information acquisition unit 520, request transmitting unit 530 and receiving element 540 as a result.
Wherein, information receiving unit 510 is used to receive the buyer by the buyer account information of portable terminal with the wireless mode transmission;
Receiving element 540 is used to receive the transaction results information that described third party's payment platform returns as a result, and described transaction results information is described third party's payment platform according to the described Transaction Information information that dealing money generates to the described vendor account of transferring accounts from described buyer account.
Further, this transaction processing system can also comprise (not shown among Fig. 5): the record creating unit, be used for creating transaction record at database according to described buyer's account information, vendor account information and Transaction Information, for described transaction record is provided with the transaction attribute, and be that described transaction record distributes unique Transaction Identification Number, the described request transmitting element is before third party's payment platform sends transaction request, and the described transaction attribute of described record creating unit is set to incomplete transaction; Judge performance element, the transaction results information that is used for receiving according to described receiving element is as a result judged, if the success of the money transfer transactions amount of money is upgraded described transaction attribute for finishing transaction, sends Transaction Success message to described transaction terminal; If the failure of the money transfer transactions amount of money sends Fail Transaction message to described transaction terminal.
The embodiment block diagram of the application third party's payment system as shown in Figure 6, this system comprises: receive request unit 610, transaction performance element 620 and result and return unit 630.
Wherein, receive request unit 610 and be used to receive the transaction request that transaction processing platform sends, comprise buyer's account information, vendor account information and Transaction Information in the described transaction request, described transaction processing platform is used to receive the buyer by the described buyer account information of portable terminal with the wireless mode transmission, and described Transaction Information and the vendor account information of obtaining the transaction terminal input, comprise dealing money in the described Transaction Information at least;
The result returns unit 630 and is used for returning transaction results information to described transaction processing platform.
Further, this third party's payment system can also comprise (not shown among Fig. 6): detect performance element, whether the buyer's account information and the vendor account information that are used for detecting described transaction request according to the buyer account who sets up in advance and vendor account is correct, if correctly, then trigger the function of described transaction performance element; If incorrect, then send Fail Transaction message to described transaction processing platform.
Further, this third party's payment system can also comprise (not shown among Fig. 6): performance element as a result, be used for after the result returns the transaction results information of returning the success of the money transfer transactions amount of money in the unit, preservation comprises the transaction record of described dealing money, sends Transaction Success message to described portable terminal; After returning the transaction results information of returning money transfer transactions amount of money failure in the unit as the result, send Fail Transaction message to described portable terminal.
As seen through the above description of the embodiments, the embodiment of the present application has made full use of the property carried of buyer's portable terminal, and the security of third party's payment platform, the data processing method of using the embodiment of the present application in the payment process of point of sale is finished transaction payment, because the buyer need not to carry bank card again, realize payment by portable terminal, therefore improved the convenience of user's payment; And, because the implementation procedure of transaction payment based on third party's payment platform, has therefore improved the point of sale security of payment.Use above-mentioned the embodiment of the present application, can realize closely non-contacting mobile payment by portable terminal, be that the user can be an instrument by portable terminals such as mobile phone, PDA,, realize at third party's payment platform that fund is transferred to by payer and be subjected to pay the side by communication network.The embodiment of the present application can be applied in the occasion of a lot of point of sales payment, and for example, market, supermarket, movie theatre, parking fee are paid etc.
As seen through the above description of the embodiments, those skilled in the art can be well understood to the application and can realize by the mode that software adds essential general hardware platform.Based on such understanding, the part that the application's technical scheme contributes to prior art in essence in other words can embody with the form of software product, this computer software product can be stored in the storage medium, as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be a personal computer, server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the application or embodiment.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, and identical similar part is mutually referring to getting final product between each embodiment, and each embodiment stresses all is difference with other embodiment.Especially, for system embodiment, because it is substantially similar in appearance to method embodiment, so description is fairly simple, relevant part gets final product referring to the part explanation of method embodiment.
The application can be used in numerous general or special purpose computingasystem environment or the configuration.For example: personal computer, server computer, handheld device or portable set, plate equipment, multicomputer system, the system based on microprocessor, set top box, programmable consumer-elcetronics devices, network PC, small-size computer, mainframe computer, comprise distributed computing environment of above any system or equipment or the like.
The application can describe in the general context of the computer executable instructions of being carried out by computing machine, for example program module.Usually, program module comprises the routine carrying out particular task or realize particular abstract, program, object, assembly, data structure or the like.Also can in distributed computing environment, put into practice the application, in these distributed computing environment, by by communication network connected teleprocessing equipment execute the task.In distributed computing environment, program module can be arranged in the local and remote computer-readable storage medium that comprises memory device.
Though described the application by embodiment, those of ordinary skills know, the application has many distortion and variation and the spirit that do not break away from the application, wish that appended claim comprises these distortion and variation and the spirit that do not break away from the application.
Claims (14)
1, a kind of transaction data processing method based on third party's payment platform is characterized in that, comprising:
Receive the buyer by the buyer account information of portable terminal with the wireless mode transmission;
Obtain Transaction Information and vendor account information from transaction terminal, comprise dealing money in the described Transaction Information at least;
Send transaction request to third party's payment platform, comprise described buyer's account information, vendor account information and Transaction Information in the described transaction request;
Receive the transaction results information that described third party's payment platform returns, described transaction results information is described third party's payment platform according to the described Transaction Information information that dealing money generates to the described vendor account of transferring accounts from described buyer account.
2, method according to claim 1 is characterized in that, described buyer's account information sets in advance in described portable terminal;
Portable terminal comprises with wireless mode transmission buyer account information:
When being provided with the contactless chip that is used to send radiofrequency signal in the described portable terminal, described portable terminal sends described buyer's account information by described contactless chip; Or
When being provided with bluetooth module or infrared module in the described portable terminal, described portable terminal sends described buyer's account information by described bluetooth module or infrared module.
3, method according to claim 1 is characterized in that, described obtain Transaction Information and vendor account information from transaction terminal after, also comprise:
In database, create transaction record according to described buyer's account information, vendor account information and Transaction Information, and the transaction attribute is set for described transaction record;
For described transaction record distributes unique Transaction Identification Number.
4, method according to claim 3 is characterized in that, described before third party's payment platform sends transaction request, described transaction attribute is set to incomplete transaction;
After the transaction results information that the described third party's payment platform of described reception returns, also comprise:
Judge according to described transaction results information,, send Transaction Success message to described transaction terminal if the success of the money transfer transactions amount of money is upgraded described transaction attribute for finishing transaction; If the failure of the money transfer transactions amount of money sends Fail Transaction message to described transaction terminal.
5, a kind of transaction data processing method based on third party's payment platform is characterized in that, comprising:
Receive the transaction request that transaction processing platform sends, comprise buyer's account information, vendor account information and Transaction Information in the described transaction request, described transaction processing platform is used to receive the buyer by the described buyer account information of portable terminal with the wireless mode transmission, and described Transaction Information and the vendor account information of obtaining the transaction terminal input, comprise dealing money in the described Transaction Information at least;
From described buyer account, transfer accounts dealing money to described vendor account according to described Transaction Information;
Return transaction results information to described transaction processing platform.
6, method according to claim 5 is characterized in that, also comprises after the transaction request that described reception transaction processing platform sends:
Whether the buyer's account information and the vendor account information that detect in the described transaction request according to the buyer account who sets up in advance and vendor account is correct, if correct, then carry out described according to the described Transaction Information step of dealing money of from described buyer account, transferring accounts to described vendor account; If incorrect, then send Fail Transaction message to described transaction processing platform.
7, method according to claim 5 is characterized in that, and is described after described transaction processing platform is returned transaction results information, also comprises:
After the transaction results information of returning the success of the money transfer transactions amount of money, preserve the transaction record that comprises described dealing money, send Transaction Success message to described portable terminal;
After the transaction results information of returning the failure of the money transfer transactions amount of money, send Fail Transaction message to described portable terminal.
8, a kind of transaction data disposal system based on third party's payment platform is characterized in that, comprising: portable terminal, transaction terminal, transaction processing platform and third party's payment platform,
Described portable terminal is used for wireless mode to described transaction processing platform transmission buyer account information;
Described transaction terminal is used for providing Transaction Information and vendor account information to described transaction processing platform, comprises dealing money in the described Transaction Information at least;
Described transaction processing platform is used for sending transaction request to third party's payment platform, comprises described buyer's account information, vendor account information and Transaction Information in the described transaction request;
Described third party's payment platform after being used to receive the transaction request of transaction processing platform transmission, is transferred accounts dealing money to described vendor account according to described Transaction Information, and is returned transaction results information to described transaction processing platform from described buyer account.
9, a kind of transaction processing system is characterized in that, comprising:
Information receiving unit is used to receive the buyer by the buyer account information of portable terminal with the wireless mode transmission;
Information acquisition unit is used for obtaining Transaction Information and vendor account information from transaction terminal, comprises dealing money in the described Transaction Information at least;
Request transmitting unit is used for sending transaction request to third party's payment platform, comprises described buyer's account information, vendor account information and Transaction Information in the described transaction request;
Receiving element as a result, be used to receive the transaction results information that described third party's payment platform returns, described transaction results information is described third party's payment platform according to the described Transaction Information information that dealing money generates to the described vendor account of transferring accounts from described buyer account.
10, transaction processing system according to claim 9 is characterized in that, also comprises:
The record creating unit is used for creating transaction record according to described buyer's account information, vendor account information and Transaction Information at database, for described transaction record is provided with the transaction attribute, and is that described transaction record distributes unique Transaction Identification Number.
11, transaction processing system according to claim 10 is characterized in that, the described request transmitting element is before third party's payment platform sends transaction request, and the described transaction attribute of described record creating unit is set to incomplete transaction;
Described system also comprises:
Judge performance element, the transaction results information that is used for receiving according to described receiving element is as a result judged, if the success of the money transfer transactions amount of money is upgraded described transaction attribute for finishing transaction, sends Transaction Success message to described transaction terminal; If the failure of the money transfer transactions amount of money sends Fail Transaction message to described transaction terminal.
12, a kind of third party's payment system is characterized in that, comprising:
Receive request unit, be used to receive the transaction request that transaction processing platform sends, comprise buyer's account information, vendor account information and Transaction Information in the described transaction request, described transaction processing platform is used to receive the buyer by the described buyer account information of portable terminal with the wireless mode transmission, and described Transaction Information and the vendor account information of obtaining the transaction terminal input, comprise dealing money in the described Transaction Information at least;
The transaction performance element is used for transferring accounts dealing money to described vendor account according to described Transaction Information from described buyer account;
The result returns the unit, is used for returning transaction results information to described transaction processing platform.
13, third party's payment system according to claim 12 is characterized in that, also comprises:
Detect performance element, whether the buyer's account information and the vendor account information that are used for detecting described transaction request according to the buyer account who sets up in advance and vendor account is correct, if correct, then triggers the function of described transaction performance element; If incorrect, then send Fail Transaction message to described transaction processing platform.
14, third party's payment system according to claim 12 is characterized in that, also comprises:
Performance element is used for after the result returns the transaction results information of returning the success of the money transfer transactions amount of money in the unit as a result, preserves the transaction record that comprises described dealing money, sends Transaction Success message to described portable terminal; After returning the transaction results information of returning money transfer transactions amount of money failure in the unit as the result, send Fail Transaction message to described portable terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009101584926A CN101604427A (en) | 2009-07-10 | 2009-07-10 | Data processing method and system, transaction processing system, third party's payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009101584926A CN101604427A (en) | 2009-07-10 | 2009-07-10 | Data processing method and system, transaction processing system, third party's payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101604427A true CN101604427A (en) | 2009-12-16 |
Family
ID=41470145
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2009101584926A Pending CN101604427A (en) | 2009-07-10 | 2009-07-10 | Data processing method and system, transaction processing system, third party's payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101604427A (en) |
Cited By (31)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102930428A (en) * | 2012-09-25 | 2013-02-13 | 武汉云之翼科技有限公司 | Method for realizing multipoint payment by using single-point interface |
| CN103065243A (en) * | 2011-10-19 | 2013-04-24 | 王晓辰 | Mobile wallet provided with dual functions of receipt and payment |
| CN103186851A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment system based on cloud data processing technology |
| CN103186870A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Data processing method and data processing system based on vehicle-mounted transaction system |
| CN103186872A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Transaction system and transaction method based on vehicle-mounted device |
| CN103325032A (en) * | 2012-03-21 | 2013-09-25 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| WO2014094577A1 (en) * | 2012-12-17 | 2014-06-26 | Jiang Hongming | Mobile payment system and connection device thereof |
| CN103996116A (en) * | 2014-04-21 | 2014-08-20 | 北京邮电大学 | Mobile payment system and method based on visible light communication technology |
| CN104123635A (en) * | 2013-04-28 | 2014-10-29 | 腾讯科技（深圳）有限公司 | Processing object processing method, system and equipment |
| CN104123636A (en) * | 2013-04-28 | 2014-10-29 | 腾讯科技（深圳）有限公司 | Processing object processing method, system and equipment |
| CN104166913A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photon payment method and system |
| CN104166911A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photonic payment method and system |
| CN104166912A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photonic payment method and photonic payment system |
| CN104166908A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Payment method and payment system |
| CN104166916A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Payment method and payment system |
| CN104182868A (en) * | 2014-04-30 | 2014-12-03 | 深圳光启创新技术有限公司 | Payment method and payment system |
| WO2015103890A1 (en) * | 2014-01-10 | 2015-07-16 | Tencent Technology (Shenzhen) Company Limited | Method and system for providing transaction information for multiple payment platforms |
| WO2015165426A1 (en) * | 2014-04-30 | 2015-11-05 | 深圳光启智能光子技术有限公司 | Payment method and payment system |
| WO2016026381A1 (en) * | 2014-08-18 | 2016-02-25 | 阿里巴巴集团控股有限公司 | Method and device for numerical value information transfer |
| CN105378810A (en) * | 2013-03-15 | 2016-03-02 | 弗兰克公司 | Remote sharing of measurement data |
| CN102760259B (en) * | 2011-04-27 | 2016-05-11 | 阿里巴巴集团控股有限公司 | A kind of on-line payment method and apparatus |
| CN105933266A (en) * | 2015-08-20 | 2016-09-07 | ***股份有限公司 | Verification method and server |
| CN106228362A (en) * | 2016-07-22 | 2016-12-14 | 萨摩亚商.繁星科技有限公司 | Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform |
| CN106779981A (en) * | 2017-02-04 | 2017-05-31 | 广州中国科学院计算机网络信息中心 | The querying method and device of the store information based on Internet of Things mark |
| CN106845955A (en) * | 2017-01-18 | 2017-06-13 | 深圳市任网游科技发展有限公司 | Internet bar's expenses of surfing in Internet automatic charging method and system |
| CN107194752A (en) * | 2016-03-15 | 2017-09-22 | 阿里巴巴集团控股有限公司 | Transaction data processing method and device |
| CN107209885A (en) * | 2014-12-02 | 2017-09-26 | 伊戈尔·万迪莫维奇·布列耶夫 | The payment serviced for consumer remote and the system of communication connection |
| CN108346092A (en) * | 2018-04-09 | 2018-07-31 | 广州诺舟投资顾问有限公司 | A kind of online trading platform based on big data analysis |
| CN108711045A (en) * | 2018-04-04 | 2018-10-26 | 首汽租赁有限责任公司 | A kind of cash register system and cash method |
| CN108762727A (en) * | 2018-04-04 | 2018-11-06 | 首汽租赁有限责任公司 | A kind of event driven Financial information processing method and system |
| WO2019071883A1 (en) * | 2017-10-12 | 2019-04-18 | 平安科技（深圳）有限公司 | Behavior breakpoint follow-up processing method, storage medium, and server |
-
2009
- 2009-07-10 CN CNA2009101584926A patent/CN101604427A/en active Pending
Cited By (52)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102760259B (en) * | 2011-04-27 | 2016-05-11 | 阿里巴巴集团控股有限公司 | A kind of on-line payment method and apparatus |
| CN103065243A (en) * | 2011-10-19 | 2013-04-24 | 王晓辰 | Mobile wallet provided with dual functions of receipt and payment |
| CN103186872B (en) * | 2011-12-30 | 2018-10-02 | 上海博泰悦臻电子设备制造有限公司 | Transaction system based on mobile unit and method of commerce |
| CN103186851A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment system based on cloud data processing technology |
| CN103186870A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Data processing method and data processing system based on vehicle-mounted transaction system |
| CN103186872A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Transaction system and transaction method based on vehicle-mounted device |
| CN103186870B (en) * | 2011-12-30 | 2018-04-13 | 上海博泰悦臻电子设备制造有限公司 | Data processing method and data handling system based on vehicle-mounted transaction system |
| CN103186851B (en) * | 2011-12-30 | 2018-05-25 | 上海博泰悦臻电子设备制造有限公司 | Electronic fare payment system based on cloud data processing technique |
| CN103325032A (en) * | 2012-03-21 | 2013-09-25 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| CN102930428A (en) * | 2012-09-25 | 2013-02-13 | 武汉云之翼科技有限公司 | Method for realizing multipoint payment by using single-point interface |
| CN102930428B (en) * | 2012-09-25 | 2016-08-24 | 武汉云之翼科技有限公司 | A kind of method utilizing single-point interface to realize multiple spot payment |
| WO2014094577A1 (en) * | 2012-12-17 | 2014-06-26 | Jiang Hongming | Mobile payment system and connection device thereof |
| US10788401B2 (en) | 2013-03-15 | 2020-09-29 | Fluke Corporation | Remote sharing of measurement data |
| CN105378810B (en) * | 2013-03-15 | 2020-07-03 | 弗兰克公司 | Remote sharing of measurement data |
| CN105378810A (en) * | 2013-03-15 | 2016-03-02 | 弗兰克公司 | Remote sharing of measurement data |
| US10210491B2 (en) | 2013-04-28 | 2019-02-19 | Tencent Technology (Shenzhen) Company Limited | Systems and methods for object processing |
| US11373153B2 (en) | 2013-04-28 | 2022-06-28 | Tencent Technology (Shenzhen) Company Limited | Systems and methods for object processing |
| CN104123636A (en) * | 2013-04-28 | 2014-10-29 | 腾讯科技（深圳）有限公司 | Processing object processing method, system and equipment |
| CN104123636B (en) * | 2013-04-28 | 2016-04-20 | 腾讯科技（深圳）有限公司 | A kind of method, system and equipment that handling object is processed |
| CN104123635B (en) * | 2013-04-28 | 2016-04-20 | 腾讯科技（深圳）有限公司 | A kind of method, system and equipment that handling object is processed |
| CN104123635A (en) * | 2013-04-28 | 2014-10-29 | 腾讯科技（深圳）有限公司 | Processing object processing method, system and equipment |
| US10896410B2 (en) | 2014-01-10 | 2021-01-19 | Tencent Technology (Shenzhen) Company Limited | Method and system for providing transaction information for multiple payment platforms |
| WO2015103890A1 (en) * | 2014-01-10 | 2015-07-16 | Tencent Technology (Shenzhen) Company Limited | Method and system for providing transaction information for multiple payment platforms |
| CN103996116A (en) * | 2014-04-21 | 2014-08-20 | 北京邮电大学 | Mobile payment system and method based on visible light communication technology |
| CN104166911B (en) * | 2014-04-30 | 2016-04-27 | 深圳光启智能光子技术有限公司 | Photon method of payment and system |
| CN104166911A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photonic payment method and system |
| CN104166916B (en) * | 2014-04-30 | 2016-04-27 | 深圳光启智能光子技术有限公司 | Method of payment and payment system |
| CN104166912B (en) * | 2014-04-30 | 2016-04-27 | 深圳光启智能光子技术有限公司 | Photon method of payment and payment system |
| CN104166908B (en) * | 2014-04-30 | 2016-04-27 | 深圳光启智能光子技术有限公司 | Method of payment and payment system |
| CN104166913B (en) * | 2014-04-30 | 2016-04-27 | 深圳光启智能光子技术有限公司 | Photon method of payment and system |
| CN104166916A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Payment method and payment system |
| CN104182868B (en) * | 2014-04-30 | 2016-04-27 | 深圳光启智能光子技术有限公司 | Method of payment and payment system |
| CN104166913A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photon payment method and system |
| CN104166908A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Payment method and payment system |
| CN104166912A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photonic payment method and photonic payment system |
| CN104182868A (en) * | 2014-04-30 | 2014-12-03 | 深圳光启创新技术有限公司 | Payment method and payment system |
| WO2015165426A1 (en) * | 2014-04-30 | 2015-11-05 | 深圳光启智能光子技术有限公司 | Payment method and payment system |
| WO2016026381A1 (en) * | 2014-08-18 | 2016-02-25 | 阿里巴巴集团控股有限公司 | Method and device for numerical value information transfer |
| CN107209885A (en) * | 2014-12-02 | 2017-09-26 | 伊戈尔·万迪莫维奇·布列耶夫 | The payment serviced for consumer remote and the system of communication connection |
| CN105933266B (en) * | 2015-08-20 | 2019-07-12 | ***股份有限公司 | A kind of verification method and server |
| CN105933266A (en) * | 2015-08-20 | 2016-09-07 | ***股份有限公司 | Verification method and server |
| CN107194752B (en) * | 2016-03-15 | 2020-11-27 | 阿里巴巴集团控股有限公司 | Transaction data processing method and device |
| CN107194752A (en) * | 2016-03-15 | 2017-09-22 | 阿里巴巴集团控股有限公司 | Transaction data processing method and device |
| CN106228362A (en) * | 2016-07-22 | 2016-12-14 | 萨摩亚商.繁星科技有限公司 | Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform |
| CN106845955A (en) * | 2017-01-18 | 2017-06-13 | 深圳市任网游科技发展有限公司 | Internet bar's expenses of surfing in Internet automatic charging method and system |
| CN106779981B (en) * | 2017-02-04 | 2020-12-08 | 广州中国科学院计算机网络信息中心 | Shop information query method and device based on Internet of things identification |
| CN106779981A (en) * | 2017-02-04 | 2017-05-31 | 广州中国科学院计算机网络信息中心 | The querying method and device of the store information based on Internet of Things mark |
| WO2019071883A1 (en) * | 2017-10-12 | 2019-04-18 | 平安科技（深圳）有限公司 | Behavior breakpoint follow-up processing method, storage medium, and server |
| CN108762727A (en) * | 2018-04-04 | 2018-11-06 | 首汽租赁有限责任公司 | A kind of event driven Financial information processing method and system |
| CN108711045A (en) * | 2018-04-04 | 2018-10-26 | 首汽租赁有限责任公司 | A kind of cash register system and cash method |
| CN108762727B (en) * | 2018-04-04 | 2023-10-17 | 首汽租赁有限责任公司 | Event-driven financial information processing method and system |
| CN108346092A (en) * | 2018-04-09 | 2018-07-31 | 广州诺舟投资顾问有限公司 | A kind of online trading platform based on big data analysis |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101604427A (en) | Data processing method and system, transaction processing system, third party's payment system | |
| US20240013171A1 (en) | Mobile telephone transfer of funds | |
| US7909243B2 (en) | System and method for completing a secure financial transaction using a wireless communications device | |
| CN102663586B (en) | A kind of method completing to pay by two mobile terminals | |
| Dewan et al. | Mobile payment adoption in the US: A cross-industry, crossplatform solution | |
| KR101968170B1 (en) | Method and system for processing coupons in a near field transaction | |
| CN102257524A (en) | Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices | |
| US10565642B1 (en) | Inventory management with capital advance | |
| AU2009201444A1 (en) | Payment apparatus and method | |
| US20070131760A1 (en) | Electronically Refunding Change from a Purchase Transaction | |
| US20090265271A1 (en) | Prepaid portable consumer device including accumulator | |
| US20130317896A1 (en) | Internet price matching using a mobile wallet | |
| CN101014985A (en) | System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device | |
| KR102431265B1 (en) | A method and apparatus for providing a service linked with payment based on a locatoin of mobile device | |
| WO2015009100A1 (en) | Refund counter operating system and method | |
| EP2575096A1 (en) | Transaction | |
| AU2018200622A1 (en) | Application currency code for dynamic currency conversion transactions with contactless consumer transaction payment device | |
| KR20140077443A (en) | Method and apparatus for issuing electronic receipt | |
| EP3543947A1 (en) | System, method and computer program for automatically obtaining and managing electronic tax documents connected to mobile payments | |
| KR20150015596A (en) | RF eName Card | |
| JP7476368B2 (en) | Trade management system, trade management method, and trade management program | |
| TWM549908U (en) | System using electronic device conducting sensing type financial card payment | |
| KR102085083B1 (en) | Method for providing charge saving uby using crypto-currency and server thereof | |
| JP2007317071A (en) | Electronic data providing system, storage medium and method of obtaining electronic data | |
| KR20150127947A (en) | Method of providing integrated-processing of electronic cash transaction for multiple formats of RF cards using NFC function of smart terminals, and computer-readable recording medium for the same |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1137558 Country of ref document: HK |
|
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20091216 |
|
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: WD Ref document number: 1137558 Country of ref document: HK |