CN102567881A - Novel network payment system and method - Google Patents
Novel network payment system and method Download PDFInfo
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- CN102567881A CN102567881A CN2011104552924A CN201110455292A CN102567881A CN 102567881 A CN102567881 A CN 102567881A CN 2011104552924 A CN2011104552924 A CN 2011104552924A CN 201110455292 A CN201110455292 A CN 201110455292A CN 102567881 A CN102567881 A CN 102567881A
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- cryptograph files
- goods orders
- portable terminal
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- card
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Abstract
The invention is applicable to the field of communication and provides a novel network payment system and method. The method comprises the following steps of: receiving a commodity order sent by a user; generating a ciphertext file corresponding to the commodity order from the commodity order; and transmitting the ciphertext file to a mobile terminal and reminding a user by the mobile terminal according to the ciphertext file to finish the payment of the commodity order corresponding to the ciphertext file by using a bankcard. The method provided by the invention has the advantage of high safety.
Description
Technical field
The invention belongs to the ecommerce or the communications field, relate in particular to a kind of new network payment technology
Background technology
Be accompanied by popularizing and development of network, business model is more and more, and more and more important role is just being played the part of in ecommerce; Carrying out of ecommerce must be followed E-Payment; Existing e-commerce company, for example Taobao pays by mails through the mode of Alipay, and existing electric paying method is specially; Receive the order of user's input; Generate payment interface according to this order, the prompting user imports account password, withholds in its corresponding account according to the account password of user's input.
In the technical scheme that realizes prior art, the inventor finds following problem:
The modes of payments of prior art all is to be accomplished by folk prescription equipment, if this equipment is divulged a secret, then its account does not just have security, causes security low.
Summary of the invention
The purpose of the embodiment of the invention is to provide a kind of new network method of payment, is intended to solve the low problem of existing technical scheme modes of payments security.
The embodiment of the invention is achieved in that a kind of new network method of payment, and said method comprises:
Receive the goods orders that the user issues;
This goods orders is generated this goods orders corresponding ciphertext file;
This cryptograph files is passed to portable terminal so that this portable terminal is accomplished the payment of the corresponding goods orders of this cryptograph files through bank card according to this cryptograph files prompting user.
On the other hand, the present invention also provides a kind of method of swiping the card based on portable terminal, and said method comprises:
Obtain the cryptograph files that computing machine transmits;
This cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files;
Swipe the card through the POS machine and input password according to this goods orders prompting user;
The user accomplish swipe the card with the password input after, card number and password are sent to financial institution accomplish and pay the bill.
On the one hand, the present invention provides a kind of computing machine again, it is characterized in that, said computing machine comprises:
The order unit is used to receive the goods orders that the user issues;
The ciphertext unit is used for this goods orders is generated this goods orders corresponding ciphertext file;
Transfer unit is used for this cryptograph files is passed to portable terminal so that this portable terminal is accomplished the payment of the corresponding goods orders of this cryptograph files through bank card according to this cryptograph files prompting user.
Following the present invention also provides a kind of portable terminal on the one hand, and said portable terminal comprises:
Acquiring unit is used to obtain the cryptograph files that computing machine transmits;
Decrypting device is used for this cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files;
Tip element is used for swiping the card through the POS machine and inputing password according to this goods orders prompting user;
Payment unit, be used for the user accomplish swipe the card with the password input after, card number and password are sent to financial institution accomplish and pay the bill.
The back one side, the present invention provides a kind of new network payment system again, and said system comprises: computing machine and portable terminal; Wherein:
Said computing machine is used to receive the goods orders that the user issues, and this goods orders is generated this goods orders corresponding ciphertext file, and this cryptograph files is passed to portable terminal;
Said portable terminal is used to obtain the cryptograph files that computing machine transmits; This cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files; Swipe the card through the POS machine and input password according to this goods orders prompting user; The user accomplish swipe the card with the password input after, card number and password are sent to financial institution accomplish and pay the bill.
In embodiments of the present invention, technical scheme provided by the invention directly gets into payment interface unlike traditional approach after obtaining the order of commodity; But generate a cryptograph files; And this cryptograph files passed to portable terminal accomplish the payment of goods orders by portable terminal accomplish two equipment because the portable terminal of computing machine that places an order and E-Payment belongs to, and between the equipment also through cryptograph files transmission goods orders; So when computing machine is divulged a secret; Portable terminal also has corresponding protection, and account is divulged a secret fully, so it has safe advantage.It is to pay through the mode of bank card that this modes of payments is arranged again, thus expense all have no relation through bank's transfer and third party's paying website, so it not only has user friendly advantage, it also has the advantage of management regulation.
Description of drawings
Fig. 1 is the process flow diagram of a kind of new network method of payment of providing of the specific embodiment of the invention;
Fig. 2 is the process flow diagram based on the method for swiping the card of portable terminal that the specific embodiment of the invention provides;
Fig. 3 is the structural drawing of the computing machine that provides of the specific embodiment of the invention;
Fig. 4 is the structural drawing of the portable terminal that provides of the specific embodiment of the invention.
Embodiment
In order to make the object of the invention, technical scheme and advantage clearer,, the present invention is further elaborated below in conjunction with accompanying drawing and embodiment.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
A kind of new network method of payment provided by the invention, this method is accomplished by computing machine, this computing machine specifically can for, desk-top, the computing machine of forms such as notebook, this method is as shown in Figure 1, comprising:
The goods orders that S11, reception user issue;
S12, this goods orders is generated this goods orders corresponding ciphertext file;
S13, this cryptograph files is passed to portable terminal so that this portable terminal is accomplished the payment of the corresponding goods orders of this cryptograph files through bank card according to this cryptograph files prompting user.
The method that the specific embodiment of the invention provides is after obtaining the order of commodity; Directly get into payment interface unlike traditional approach, but generate a cryptograph files, and this cryptograph files is passed to portable terminal is accomplished goods orders by portable terminal payment; Because the computing machine that places an order and the portable terminal of E-Payment belong to two equipment of accomplishing; And also transmit goods orders between the equipment, so when computing machine was divulged a secret, portable terminal also had corresponding protection through cryptograph files; Account is divulged a secret fully, so it has safe advantage.It is to pay through the mode of bank card that this modes of payments is arranged again, thus expense all have no relation through bank's transfer and third party's paying website, so it not only has user friendly advantage, it also has the advantage of management regulation.
In addition, need to prove that mode provided by the invention is compared traditional Net silver system and also had safe advantage; Accomplish all operations because traditional Net silver system also all is a terminal device, and mode provided by the invention need be accomplished through two different terminal equipment, all have safe advantage; In addition; It has user friendly characteristics than Net silver, and no matter the Net silver system is professional version (need carry the key USB flash disk of bank), and trade edition needs the user to import number of the account; Dual mode is not all directly swiped the card conveniently and safety, and all methods provided by the invention also have user friendly characteristics.
Optional, above-mentioned cryptograph files specifically can be two-dimension code or ultrasonic label.
Need to prove, when cryptograph files is two-dimension code, the mode of transmitting cryptograph files directly can be computing machine show the back by this two-dimension code of mobile scanning terminal to obtain the corresponding goods orders of this two-dimension code.
When cryptograph files was ultrasonic label, the mode of transmitting cryptograph files directly can be that the MIC Mike by portable terminal receives this ultrasonic label and obtains this goods orders.This ultrasonic label specifically can be the audio file of 1.4KHz-2.2KHz, and the audio file of selected this scope is in order to reduce the noise that ultrasonic label produces certainly, under the situation of consideration of noise not, can select the ultrasound wave of other frequency ranges fully.
Need to prove that above-mentioned cryptograph files can also increase other authorization information, for example information such as this user's photo, ID card No..
The present invention also provides a kind of method of swiping the card based on portable terminal, and this method is accomplished by portable terminal, need to prove; Above-mentioned portable terminal specifically can for; Carry the portable terminal of POS machine (moving POS machine or conventional P OS machine), this method is as shown in Figure 2, comprising:
S21, obtain the cryptograph files that computing machine transmits;
S22, deciphering obtains the corresponding goods orders of this cryptograph files to this cryptograph files;
S23, swipe the card through the POS machine and input password according to this goods orders prompting user;
S24, the user accomplish swipe the card and the password input after, card number and password are sent to financial institution accomplish and pay the bill.
Optional, above-mentioned cryptograph files can be two-dimension code or ultrasonic label.
When cryptograph files also comprises user's photo, can also comprise between said method S22 and the S23:
Show this photo and point out the user to confirm whether photo is correct, as after receiving user's affirmation operation, carry out subsequent operation, promptly carry out S23, S24.
After comprising photographic intelligence; Can further improve the security of system; Because photo belongs to file more intuitively, the user can directly confirm through this photographic intelligence whether this electronic order is safe or not wrong, so it can further improve the security of transaction.
The specific embodiment of the invention provides a kind of new network payment system again, and this system is as shown in Figure 3, comprising:
Order unit 31 is used to receive the goods orders that the user issues;
Ciphertext unit 32 is used for this goods orders is generated this goods orders corresponding ciphertext file;
Transfer unit 33 is used for this cryptograph files is passed to portable terminal so that this portable terminal is accomplished the payment of the corresponding goods orders of this cryptograph files through bank card according to this cryptograph files prompting user.
Optional, above-mentioned cryptograph files specifically can be two-dimension code or ultrasonic label.
The present invention also provides a kind of portable terminal, and this portable terminal comprises:
Acquiring unit is used to obtain the cryptograph files that computing machine transmits, and this cryptograph files can be two-dimension code;
Retransmission unit is used for that this two-dimension code is transmitted to other portable terminals and makes other portable terminals accomplish the payment of the corresponding goods orders of this two-dimension code through bank card according to this two-dimension code prompting user.
Portable terminal provided by the invention provides retransmission unit to transmit two-dimension code so that other-end equipment can carry out transfer payment according to this two-dimension code, and this method has the function that makes things convenient for the user to look for other people to pay out.
The specific embodiment of the invention also provides a kind of portable terminal, and this portable terminal is as shown in Figure 4, comprising:
Acquiring unit 41 is used to obtain the cryptograph files that computing machine transmits;
Decrypting device 42 is used for this cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files;
Tip element 43 is used for swiping the card through the POS machine and inputing password according to this goods orders prompting user;
Optional, above-mentioned cryptograph files also comprises user's photo, when comprising photo, said portable terminal also comprises:
The specific embodiment of the invention also provides a kind of new network payment system, and said system comprises: computing machine and portable terminal; Wherein:
Said computing machine is used to receive the goods orders that the user issues, and this goods orders is generated this goods orders corresponding ciphertext file, and this cryptograph files is passed to portable terminal;
Said portable terminal is used to obtain the cryptograph files that computing machine transmits; This cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files; Swipe the card through the POS machine and input password according to this goods orders prompting user; The user accomplish swipe the card with the password input after, card number and password are sent to financial institution accomplish and pay the bill.
Optional, above-mentioned cryptograph files specifically can be two-dimension code or ultrasonic label.
Need to prove that computing machine that native system provides or portable terminal can also have corresponding function, unit or the module of aforementioned calculation machine embodiment or portable terminal embodiment, just do not giving unnecessary details here.
In said units and the system embodiment, each included module or unit are just divided according to function logic, but are not limited to above-mentioned division, as long as can realize function corresponding; In addition, the concrete title of each functional module also just for the ease of mutual differentiation, is not limited to protection scope of the present invention.
It will be understood by those skilled in the art that in the compensation method of the nonlinear tolerance that the embodiment of the invention provides that its all or part of step is to accomplish through the relevant hardware of programmed instruction.Such as accomplishing through the computer run journey.This program can be stored in read/write memory medium, for example, and random access memory, disk, CD etc.
The above is merely preferred embodiment of the present invention, not in order to restriction the present invention, all any modifications of within spirit of the present invention and principle, being done, is equal to and replaces and improvement etc., all should be included within protection scope of the present invention.
Claims (11)
1. a new network method of payment is characterized in that, said method comprises:
Receive the goods orders that the user issues;
This goods orders is generated this goods orders corresponding ciphertext file;
This cryptograph files is passed to portable terminal so that this portable terminal is accomplished the payment of the corresponding goods orders of this cryptograph files through bank card according to this cryptograph files prompting user.
2. method according to claim 1 is characterized in that, said cryptograph files is specially: two-dimension code or ultrasonic label.
3. method of swiping the card based on portable terminal is characterized in that said method comprises:
Obtain the cryptograph files that computing machine transmits;
This cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files;
Swipe the card through the POS machine and input password according to this goods orders prompting user;
The user accomplish swipe the card with the password input after, card number and password are sent to financial institution accomplish and pay the bill.
4. method according to claim 1 is characterized in that said cryptograph files also comprises user's photo, and when comprising photo, said method also comprises in the goods orders that this cryptograph files deciphering is obtained this cryptograph files correspondence:
Show this photo and point out the user to confirm whether photo is correct, as after receiving user's affirmation operation, carry out subsequent operation, otherwise, end operation.
5. a computing machine is characterized in that, said computing machine comprises:
The order unit is used to receive the goods orders that the user issues;
The ciphertext unit is used for this goods orders is generated this goods orders corresponding ciphertext file;
Transfer unit is used for this cryptograph files is passed to portable terminal so that this portable terminal is accomplished the payment of the corresponding goods orders of this cryptograph files through bank card according to this cryptograph files prompting user.
6. computing machine according to claim 5 is characterized in that, said cryptograph files is specially: two-dimension code or ultrasonic label.
7. a portable terminal is characterized in that, said portable terminal comprises:
Acquiring unit is used to obtain the cryptograph files that computing machine transmits;
Decrypting device is used for this cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files;
Tip element is used for swiping the card through the POS machine and inputing password according to this goods orders prompting user;
Payment unit, be used for the user accomplish swipe the card with the password input after, card number and password are sent to financial institution accomplish and pay the bill.
8. portable terminal according to claim 7 is characterized in that said cryptograph files also comprises user's photo, and when comprising photo, said portable terminal also comprises:
Show authentication unit, be used to show this photo and point out the user to confirm whether photo is correct, as after receiving user's affirmation operation, carry out subsequent operation, otherwise, end operation.
9. a new network payment system is characterized in that, said system comprises: computing machine and portable terminal; Wherein:
Said computing machine is used to receive the goods orders that the user issues, and this goods orders is generated this goods orders corresponding ciphertext file, and this cryptograph files is passed to portable terminal;
Said portable terminal is used to obtain the cryptograph files that computing machine transmits; This cryptograph files deciphering is obtained the corresponding goods orders of this cryptograph files; Swipe the card through the POS machine and input password according to this goods orders prompting user; The user accomplish swipe the card with the password input after, card number and password are sent to financial institution accomplish and pay the bill.
10. system according to claim 9 is characterized in that, said cryptograph files is specially: two-dimension code or ultrasonic label.
11. a portable terminal is characterized in that, said portable terminal comprises:
Acquiring unit is used to obtain the cryptograph files that computing machine transmits;
Retransmission unit is used for that this cryptograph files is transmitted to other portable terminals and makes other portable terminals accomplish the payment of the corresponding goods orders of this cryptograph files through bank card according to this cryptograph files prompting user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104552924A CN102567881A (en) | 2011-12-30 | 2011-12-30 | Novel network payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104552924A CN102567881A (en) | 2011-12-30 | 2011-12-30 | Novel network payment system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102567881A true CN102567881A (en) | 2012-07-11 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2011104552924A Pending CN102567881A (en) | 2011-12-30 | 2011-12-30 | Novel network payment system and method |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103020826A (en) * | 2012-12-05 | 2013-04-03 | 北京奇虎科技有限公司 | Payment processing method and server |
| CN103020827A (en) * | 2012-12-05 | 2013-04-03 | 北京奇虎科技有限公司 | Payment processing method and system |
| US11042915B2 (en) | 2014-09-25 | 2021-06-22 | Huawei Technologies Co., Ltd. | Order processing method and terminal |
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| CN1659599A (en) * | 2002-04-05 | 2005-08-24 | 贝智虫股份公司 | Ultrasonic transmitter and receiver systems and products using the same |
| CN1708772A (en) * | 2000-07-07 | 2005-12-14 | 高通股份有限公司 | Method and apparatus for secure identity authentication with audible tones |
| CN101840550A (en) * | 2010-05-17 | 2010-09-22 | 李黎明 | Method for realizing purposes of generating and paying bill on site |
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Patent Citations (3)
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| CN1708772A (en) * | 2000-07-07 | 2005-12-14 | 高通股份有限公司 | Method and apparatus for secure identity authentication with audible tones |
| CN1659599A (en) * | 2002-04-05 | 2005-08-24 | 贝智虫股份公司 | Ultrasonic transmitter and receiver systems and products using the same |
| CN101840550A (en) * | 2010-05-17 | 2010-09-22 | 李黎明 | Method for realizing purposes of generating and paying bill on site |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103020826A (en) * | 2012-12-05 | 2013-04-03 | 北京奇虎科技有限公司 | Payment processing method and server |
| CN103020827A (en) * | 2012-12-05 | 2013-04-03 | 北京奇虎科技有限公司 | Payment processing method and system |
| US11042915B2 (en) | 2014-09-25 | 2021-06-22 | Huawei Technologies Co., Ltd. | Order processing method and terminal |
| US11861670B2 (en) | 2014-09-25 | 2024-01-02 | Huawei Technologies Co., Ltd. | Order processing method and terminal |
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Application publication date: 20120711 |