CN105427093A - Order account payment system applied to electronic commerce - Google Patents

Order account payment system applied to electronic commerce Download PDF

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Publication number
CN105427093A
CN105427093A CN201511017409.5A CN201511017409A CN105427093A CN 105427093 A CN105427093 A CN 105427093A CN 201511017409 A CN201511017409 A CN 201511017409A CN 105427093 A CN105427093 A CN 105427093A
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Prior art keywords
order
payment
data
user
bill payment
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CN201511017409.5A
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Chinese (zh)
Inventor
洪浩
王疆
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Ningbo Boying Huanshen Internet Technology Co Ltd
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Ningbo Boying Huanshen Internet Technology Co Ltd
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Priority to CN201511017409.5A priority Critical patent/CN105427093A/en
Publication of CN105427093A publication Critical patent/CN105427093A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses an order account payment system applied to electronic commerce. The system of the invention can be applied to various electronic commerce systems such as B2C, B2B, C2B, C2C, B2B2C and O2O. The system can build connection with multiple electronic commerce platforms and multiple electronic bank systems at the same time, unified order, account and payment management can be realized through the system, and coexistence of multiple accounts and multi-account consolidated payment can be realized. The system comprises a mechanism management module, an order management module, an account management module, a payment management module, an authentication management module, a payment channel management module, a clearing management module, a service interface module and a payment interface module. Problems that the order account payment in the original electronic commerce platform only supports single service, multiple accounts can not coexist, and the multiple accounts can not perform consolidated payment can be solved, the transaction processing complexity is reduced, the service transaction processing ability and the efficiency are enhanced, data safety in electronic commerce transaction can be improved, and the electronic commerce platform construction cost and the period are reduced greatly.

Description

A kind of order bill payment system being applied to ecommerce
Technical field
The invention belongs to the order bill payment system of e-commerce field, it is characterized in that a kind of system being key element with order, account, payment.
Background technology
Along with the development of Internet technology and ecommerce, emerge in large numbers electronic business mode as all kinds of in B2C, B2B, C2B, C2C, B2B2C, O2O etc.But at present in e-commerce initiative for both parties or in many ways provide transaction to bring together and related service e-commerce platform in order bill payment be all for demand with single business purpose, design for solving specific transactions object, order bill payment in e-commerce platform is all closely connected with concrete business, cannot be applicable to other business outside single business.This situation to cause under same enterprise each e-commerce platform user order, account dispersion, enterprise all needs duplicate construction to be applicable to order, account, the Payment System of different business background when building different e-commerce platform, increase the system Construction cost of enterprise, construction period, cause Enterprise Resource to waste.Its reason is the inconsistent of electric business's transaction business of enterprise, the difference of transactional services object, difference of transactional services flow process and transaction payment passage etc., causes the order bill payment system in the e-commerce platform of enterprise to vary.
Accompanying drawing 1 is the order bill payment schematic diagram in now common e-commerce platform.Enterprise A establishes e-commerce platform 1, e-commerce platform 2, and the order bill payment system of e-commerce platform 1 and e-commerce platform 2 independently exists separately, is exclusively used in respective e-commerce platform.Enterprise B establishes e-commerce platform 3, e-commerce platform 4, and the order bill payment system of e-commerce platform 3 and e-commerce platform 4 is also independent separately to be existed, and is exclusively used in respective e-commerce platform.And user has the order bill payment information of e-commerce platform 1 under enterprise A, in e-commerce platform 2, also there is order bill payment information, under these two order bill payment information of user can not exist a platform jointly, can not merge and coexist.
Order bill payment in this kind of e-commerce platform uses is inconvenient to be mainly reflected in the following aspects:
1, for e-commerce platform supvr, as garment enterprise, computer sale enterprise etc. all need the order bill payment system setting up oneself, and the order bill payment system set up can only be exclusively used in an e-commerce platform, single business can only be supported, can not mixed service be supported.
2, for e-commerce platform user, its order account on each e-commerce platform can not coexist, and account can not be used in combination, can only commodity on certain e-commerce platform.
Accompanying drawing 2 is the payment schematic diagram of now common e-commerce platform.See accompanying drawing 2, its treatment scheme comprises:
1, user browses commodity at e-commerce platform (as e-commerce website), and places an order;
2, e-commerce platform generates order data information according to the payment interface of Unionpay's system or bank front end or third-party payment system (Unionpay's system, bank front end, Third-party payment are referred to as internet banking system), and use the double secret key order data of internet banking system to sign, and the data formation webpage after signature is sent to user terminal;
3, user confirms the order data information after signing, and clicks and submits to order data to internet banking system;
4, internet banking system receives order data, verifies the signature of order data and order data;
5, internet banking system verification is by rear, shows returning the payment page at user terminal, and prompting user inputs the information such as bank's card number, payment cipher, reserved mobile phone;
6, user is after payment page input information needed, and user terminal submits to information to internet banking system;
7, internet banking system receives the information that user terminal is submitted to, and verified users relevant information;
8, internet banking system verification is by rear, returns the trade confirmation page, and point out user to confirm to user terminal;
9, user inputs respective authentication mode at the trade confirmation page and carries out trade confirmation, and authentication mode supports the modes such as payment cipher, password card, dynamic verification code, certificate signature;
10, internet banking system verified users confirmation;
11, internet banking system verification carries out payment processes by rear transmission payment instruction to bank;
12, after bank pays, payment result is returned to internet banking system;
13, payment result is returned to user terminal and represents by internet banking system;
14, payment result is returned to e-commerce platform by user terminal;
15, e-commerce platform carries out information processing by payment result to order, account.
Visible described in above-mentioned prior art in the order payment processes process of ecommerce, order, account data, payment are all at this e-commerce platform, serve the single business of this e-commerce platform, e-commerce transaction is carried out between e-commerce platform and internet banking system.
Summary of the invention
For in e-commerce platform in solution prior art, order bill payment cannot support mixed service, the duplicate construction of order bill payment system, awkward present situation, the object of this invention is to provide a kind of order bill payment system being applied to ecommerce, this system can be applicable to all kinds of electronic business mode such as B2C, B2B, C2B, C2C, B2B2C, O2O, realize order, account unified management and payment, support mixed service, many accounts coexist.
Technical scheme of the present invention is: a kind of order bill payment system being applied to ecommerce, is characterized in that comprising the steps:
(1) e-commerce platform of multiple different business and order bill payment system set up service interfacing;
(2) order bill payment system authorization e-commerce platform uses the order bill payment system of this system;
Authorization method is: the owner information of e-commerce platform is comprised the information such as enterprise name, Enterprise linkage phone, channel of disbursement and submit to order bill payment system, order bill payment system sets up authorized agreement according to the information submitted to, and member and the mechanism information of this e-commerce platform is set up according to this agreement, configuration payment channel and payment rule also generate the key-hierarchy information of this e-commerce platform;
(3) user browses the merchandise news of e-commerce platform at user terminal, and initiates order request instruction;
(4) e-commerce platform generates the order data comprising associated user information according to described order instruction, and does digital signature to this order data;
(5) e-commerce platform sends this order data to user terminal and points out user to confirm, e-commerce platform is after user confirms, now system comprises further:
A kind of order data notification mode: this order data is sent to order bill payment system by e-commerce platform informing user terminal.Another kind of order data notification mode: order data is sent to order bill payment system by back office interface by e-commerce platform.
(6) after order bill payment system receives order data, first the correction verification module of order bill payment system does signature authentication to order data, judges that the e-commerce platform whether this order data has a mandate sends;
Herein, order bill payment system increases safety check in order payment transaction flow process, even if there is rogue program to distort data from transaction message, also can detect in verification, thus timely non-payment processing procedure, prevent the risk that the account fund of user is stolen, improve the security of e-commerce transaction.
(7), after order data sign test is passed through, order bill payment system of users information, order data, account data verify; Herein, order bill payment system of users legitimacy, order data and account data validity carry out safety check, even if having disabled user, invalid abnormal data information also can detect in verification, thus timely non-payment processing procedure, ensure the normal smoothness of transaction, improve the security of e-commerce transaction.
(8) order bill payment system of users information, order data, account data verification are by rear, and the order management module of order bill payment system carries out pre-service to order data;
(9) order bill payment system is after data check and pre-service complete, and now system comprises further:
A kind of order data verification and pretreated tupe:
A, order bill payment system front end display module show order data information to user terminal, and point out user to select payment mode, and payment mode can be that remaining sum pays, gateway pays, fast pay;
The payment mode that user selects is submitted to order bill payment system by B, user terminal;
C, order bill payment system are after user selects payment mode, and the instruction module of order bill payment system generates payment instruction by user profile, order data, and the account management module of order bill payment system does following process by payment instruction:
If a) the required account of this user does not exist, newly-generated account, multiple account can exist simultaneously, carries out pre-service to account data simultaneously;
If b) payment instruction requires that many accounts merge payment, then by instruction, pre-service is carried out to multiple account data.
C) order bill payment system pays request msg according to user data, order data, payment mode generation, to the rear also informing user terminal of payment request msg signature, this payment request msg is sent to internet banking system.
Herein, order bill payment system adds the transaction digital signature with internet banking system, even if had rogue program to distort to be submitted to the transaction data of internet banking system, and also can the transaction of non-payment at once, prevent user's amount of money stolen, enhance the security of e-commerce transaction.
Another kind of order data verification and pretreated tupe:
Check information and order pretreatment information are notified e-commerce platform by back office interface by A, order bill payment system;
B, e-commerce platform show the payment page to user terminal, and point out user to select payment mode, and payment mode can be that remaining sum pays, gateway pays, fast pay;
The payment mode that user selects is submitted to order bill payment system by C, user terminal;
D, order bill payment system are receiving after user selects payment mode, and the instruction module of order bill payment system generates payment instruction by user profile, order data, and the account management module of order bill payment system does following process by payment instruction simultaneously:
If a) the required account of this user does not exist, newly-generated account, multiple account can exist simultaneously, carries out pre-service to account data simultaneously.
If b) payment instruction requires that many accounts merge payment, then by instruction, pre-service is carried out to multiple account data.
C) order bill payment system generates pay request msg according to user data, order data, payment mode, signs rear and be sent to internet banking system to payment request msg.
Herein, order bill payment system adds the transaction digital signature with internet banking system, even if had rogue program to distort to be submitted to the transaction data of internet banking system, and also can the transaction of non-payment at once, prevent user's amount of money stolen, enhance the security of e-commerce transaction.
(10) internet banking system receives and pays after request msg, verifies payment request msg, and in verification by rear, shows pay the page to user terminal, and points out user to input bank card etc. in the reserved information of bank;
(11) bank card etc. that user inputs by user terminal submits to internet banking system in the information that bank is reserved;
(12) user related information of internet banking system verified users terminal submission, and in verification by rear, return the trade confirmation page to user terminal, and point out user to confirm;
(13) user terminal submits to user's confirmation to internet banking system;
(14) internet banking system verified users confirmation, and verification by after carry out payment processes;
(15) after internet banking system payment processes completes, now, system comprises further:
A kind of backtrack mode: internet banking system returns to the user terminal payment result page, and user terminal is submitted to order bill payment system after receiving the payment result page.
Another kind of backtrack mode: internet banking system returns payment processes result to order bill payment system.
(16) after the payment that order bill payment system receives internet banking system returns results, by payment instruction, order data, account data are finally processed, and the user data after process, order data are returned to e-commerce platform.
(17) e-commerce platform returns to user terminal show the user data received, the final transaction results of order data.
The invention has the beneficial effects as follows:
1, compared with prior art, scheme provided by the present invention adds order bill payment system in e-commerce transaction, this system, independent of e-commerce platform, solves order bill payment in primary electron business platform and can only support that single business, account can not merge the problem coexisted.
2, by order bill payment is separated with e-commerce platform, reduce the complexity of transaction processing, newly-increased e-commerce platform is linked into order bill payment system, do not need to change transaction processing, improve e-commerce transaction system robustness, promote business transaction processing power and efficiency at double.
3, Enterprise Construction e-commerce platform no longer needs to build order bill payment correlation function, only need access order bill payment system of the present invention, reduce construction cost and the cycle of e-commerce platform.
4, in addition, compared with prior art, scheme provided by the present invention adds in the processing procedure of order data to be verified at order bill payment system end user profile, order data and shows, enhance the cubic information relevance between e-commerce platform, order bill payment system, internet banking system and user four directions, improve the data security in e-commerce transaction.
Accompanying drawing explanation
Fig. 1 is existing ecommerce configuration diagram conventional in the art.
Fig. 2 is existing a kind of ecommerce processing flow chart conventional in the art.
Fig. 3 is that a kind of hardware being applied to the order bill payment system of ecommerce of the present invention forms schematic diagram.
Fig. 4 is a kind of system architecture diagram being applied to the order bill payment system of ecommerce of the present invention.
Fig. 5 is a kind of a kind of system processing flow chart being applied to the order bill payment system of ecommerce of the present invention.
Fig. 6 is a kind of another kind of system processing flow chart being applied to the order bill payment system of ecommerce of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in further details.
Referring to accompanying drawing 3, the system hardware formation that the embodiment of the present invention relates to comprises: application server, service interface server, payment interface server, database server totally four station servers.Wherein application server deployment organization management, order management, account management, trade management, authentication management, channel of disbursement management, clear settlement management.Service interface server disposes business interface, payment interface server disposition payment interface.Database part is deployed on database server.In the present invention, can by doing load balancing and cluster respectively to database server, application server, service interface server, payment interface server, further raising system handling property.
Referring to accompanying drawing 4, in the embodiment of the present invention, order bill payment system comprises: organization management module, order management module, account management module, trade management module, authentication management module, channel of disbursement administration module, settle accounts calculate administration module, business interface module, payment interface module.Business interface is docked with e-commerce platform, third party's operation system by network.Payment interface is by network or private line access bank, Unionpay, third-party payment system.Organization management function comprises the possessory mandate of e-commerce platform and opens, safeguards.Order management module realizes the function such as the establishment of order transaction, the inquiry of order.The functions such as account management module comprises account inquiries, the inquiry of account detail, Account Type management, account balance is reduced/increased, account is freezed/thawed.Trade management module realizes the generation of trading instruction, the execution of trading instruction.Authentication management module realizes the function such as generation, signature authentication, safety encipher of PKI, private key.Channel of disbursement management realizes the functions such as payment channel maintenance, payment rule management.Settle accounts and calculate administration module realization and bank, Unionpay, the reconciliation of third-party payment system, clearance, clearing, report capability.Business interface module is docked with e-commerce platform, third party's operation system, interface comprise supplement message interface, account inquiries message interface with money, consume message interface, message interface of withdrawing deposit, message interface of transferring accounts, password authentification interface etc.Payment interface module comprises payment transaction message interface, pays and cancel message interface, reconciliation message interface, inquiry transaction results message interface etc.
Referring to accompanying drawing 5, in the embodiment of the present invention, a kind of system process flow steps of order bill payment system is as follows:
(1) user browses the merchandise news of e-commerce platform at user terminal, and initiates order request instruction;
(2) e-commerce platform generates the order data comprising associated user information according to described order instruction, and returns user terminal after doing digital signature to this order data;
(3) user terminal submits to the order data after signing to order bill payment system, and order data specifically comprises the information such as e-commerce platform O/No., price, and this information associates with Customs Assigned Number and together submits to;
(4) after order bill payment system receives order data, first the authentication module of order bill payment system does signature authentication to order data, judges that the e-commerce platform whether this order data has a mandate sends; After order data sign test is passed through, order bill payment system of users information, order data, account data verify;
Herein, order bill payment system increases safety check in order payment transaction flow process, even if there is rogue program to distort data from transaction message, also can detect in verification, thus timely non-payment processing procedure, prevent the risk that the account fund of user is stolen, improve the security of e-commerce transaction.
(5) order bill payment system of users information, order data, account data verification are by rear, and the order management module of order bill payment system carries out pre-service to order data;
(6) order bill payment system is after data check and pre-service complete, order bill payment system front end display module shows order data information to user terminal, and remaining sum pays, payment mode to point out user to select, payment mode can be that gateway pays, fast pays;
(7) user terminal is submitted to order bill payment system after user selects payment mode;
(8), after order bill payment system receives above-mentioned information, the instruction module of order bill payment system generates payment instruction by user profile, order data, and the account management module of order bill payment system does following process by payment instruction:
If a. the required account of this user does not exist, newly-generated account, multiple account can exist simultaneously, carries out pre-service to account data simultaneously;
If b. payment instruction requires that many accounts merge payment, then by instruction, pre-service is carried out to multiple account data.
(9) order bill payment system returns to user terminal to payment information signature;
(10) payment information after signature and payment mode are sent to internet banking system by user terminal;
Herein, order bill payment system adds the transaction digital signature with internet banking system, even if had rogue program to distort to be submitted to the transaction data of internet banking system, and also can the transaction of non-payment at once, prevent user's amount of money stolen, enhance the security of e-commerce transaction.
(11), after internet banking system receives order data and payment mode, order data and payment mode are verified;
(12) internet banking system is in above-mentioned verification by rear, shows pay the page to user terminal, and points out user to input bank card etc. in the reserved information of bank;
(13) bank card etc. that user inputs by user terminal submits to internet banking system in the information that bank is reserved;
(14) user related information of internet banking system verified users terminal submission;
(15) internet banking system is in above-mentioned verification by rear, returns the trade confirmation page to user terminal, and points out user to confirm;
(16) user terminal submits to user's confirmation to internet banking system, and confirmation can be the information such as payment cipher, dynamic password card, dynamic verification code, payment certificate that user is reserved in bank;
(17) internet banking system verified users confirmation;
(18) internet banking system above-mentioned verification by after carry out payment processes;
(19), after internet banking system payment processes completes, internet banking system returns to the user terminal transaction results page;
(20) payment processes result is submitted to order Accounting system by user terminal;
(21) order bill payment system receives after payment returns results, and finally processes order data, account data by payment instruction;
(22) user data after process, order data are returned to e-commerce platform by order bill payment system, and user data comprises Customs Assigned Number, and order data comprises O/No., stateful transaction;
(23) e-commerce platform processes the user data received, order data, and result is returned user terminal;
(24) user terminal receives order final process result and displayed page.
Referring to accompanying drawing 6, in the embodiment of the present invention, the another kind of system process flow steps of order bill payment system is as follows:
(1) user browses the merchandise news of e-commerce platform at user terminal, and initiates order request instruction;
(2) e-commerce platform generates the order data comprising associated user information according to described order instruction, and be submitted to order bill payment system after digital signature is done to this order data, order data specifically comprises the information such as e-commerce platform O/No., price, and this information associates with Customs Assigned Number and together submits to;
(3) after order bill payment system receives order data, first the authentication module of order bill payment system does signature authentication to order data, judges that the e-commerce platform whether this order data has a mandate sends; After order data sign test is passed through, order bill payment system of users information, order data, account data verify;
Herein, order bill payment system increases safety check in order payment transaction flow process, even if there is rogue program to distort data from transaction message, also can detect in verification, thus timely non-payment processing procedure, prevent the risk that the account fund of user is stolen, improve the security of e-commerce transaction.
(4) order bill payment system of users information, order data, account data verification are by rear, and the order management module of order bill payment system carries out pre-service to order data;
(5) order bill payment system is after data check and pre-service complete, and order bill payment system is to e-commerce platform back-checking result and order pre-processed results;
(6), after e-commerce platform receives above-mentioned information, return and pay the page and point out user to select payment mode to user terminal; Payment mode can be that remaining sum pays, gateway pays, fast pay;
(7) user terminal is submitted to order bill payment system after user selects payment mode;
(8), after order bill payment system receives above-mentioned information, the instruction module of order bill payment system generates payment instruction by user profile, order data, and the account management module of order bill payment system does following process by payment instruction:
If a. the required account of this user does not exist, newly-generated account, multiple account can exist simultaneously, carries out pre-service to account data simultaneously.
If b. payment instruction requires that many accounts merge payment, then by instruction, pre-service is carried out to multiple account data.
(9) order bill payment system of users information, payment information are signed and are submitted to internet banking system, and payment information comprises the amount of money, payment mode etc.;
Herein, order bill payment system adds the transaction digital signature with internet banking system, even if had rogue program to distort to be submitted to the transaction data of internet banking system, and also can the transaction of non-payment at once, prevent user's amount of money stolen, enhance the security of e-commerce transaction.
(10), after internet banking system receives order data and payment mode, order data and payment mode are verified,
(11) internet banking system is in above-mentioned verification by rear, shows pay the page to user terminal, and points out user to input bank card etc. in the reserved information of bank;
(12) bank card etc. that user inputs by user terminal submits to internet banking system in the information that bank is reserved;
(13) user related information of internet banking system verified users terminal submission;
(14) internet banking system is in above-mentioned verification by rear, returns the trade confirmation page to user terminal, and points out user to confirm;
(15) user terminal submits to user's confirmation to internet banking system, and confirmation can be the information such as payment cipher, dynamic password card, dynamic verification code, payment certificate that user is reserved in bank;
(16) internet banking system verified users confirmation;
(17) internet banking system above-mentioned verification by after carry out payment processes;
(18), after internet banking system payment processes completes, internet banking system returns payment processes result to order bill payment system;
(19) order bill payment system receives after payment returns results, and finally processes order data, account data by payment instruction;
(20) user data after process, order data are returned to e-commerce platform by order bill payment system, and user data comprises Customs Assigned Number, and order data comprises O/No., stateful transaction;
(21) e-commerce platform processes the user data received, order data, and result is returned user terminal;
(22) user terminal receives order final process result and displayed page.
Only preferred embodiment of the present invention above, not in order to limit the present invention.Within the spirit and principles in the present invention all, anyone any amendment made according to technology contents disclosed by the invention and principle, be equal to replace, improve, modify, substitute, distortion etc. is included within protection scope of the present invention.

Claims (5)

1. be applied to an order bill payment system for ecommerce, it is characterized in that comprising the steps:
(1) e-commerce platform of multiple different business and order bill payment system set up service interfacing;
(2) order bill payment system authorization e-commerce platform uses the order bill payment system of this system;
Authorization method is: the owner information of e-commerce platform is comprised the information such as enterprise name, Enterprise linkage phone, channel of disbursement and submit to order bill payment system, order bill payment system sets up authorized agreement according to the information submitted to, and member and the mechanism information of this e-commerce platform is set up according to this agreement, configuration payment channel and payment rule also generate the key-hierarchy information of this e-commerce platform;
(3) user browses the merchandise news of e-commerce platform at user terminal, and initiates order request instruction;
(4) e-commerce platform generates the order data comprising associated user information according to described order instruction, and does digital signature to this order data;
(5) e-commerce platform sends this order data to user terminal and points out user to confirm, e-commerce platform is after user confirms, now system comprises further:
A kind of order data notification mode: this order data is sent to order bill payment system by e-commerce platform informing user terminal.Another kind of order data notification mode: order data is sent to order bill payment system by back office interface by e-commerce platform.
(6) after order bill payment system receives order data, first the correction verification module of order bill payment system does signature authentication to order data, judges that the e-commerce platform whether this order data has a mandate sends;
Herein, order bill payment system increases safety check in order payment transaction flow process, even if there is rogue program to distort data from transaction message, also can detect in verification, thus timely non-payment processing procedure, prevent the risk that the account fund of user is stolen, improve the security of e-commerce transaction.
(7), after order data sign test is passed through, order bill payment system of users information, order data, account data verify; Herein, order bill payment system of users legitimacy, order data and account data validity carry out safety check, even if having disabled user, invalid abnormal data information also can detect in verification, thus timely non-payment processing procedure, ensure the normal smoothness of transaction, improve the security of e-commerce transaction.
(8) order bill payment system of users information, order data, account data verification are by rear, and the order management module of order bill payment system carries out pre-service to order data;
(9) order bill payment system is after data check and pre-service complete, and now system comprises further:
A kind of order data verification and pretreated tupe:
A, order bill payment system front end display module show order data information to user terminal, and point out user to select payment mode, and payment mode can be that remaining sum pays, gateway pays, fast pay;
The payment mode that user selects is submitted to order bill payment system by B, user terminal;
C, order bill payment system are after user selects payment mode, and the instruction module of order bill payment system generates payment instruction by user profile, order data, and the account management module of order bill payment system does following process by payment instruction:
If a. the required account of this user does not exist, newly-generated account, multiple account can exist simultaneously, carries out pre-service to account data simultaneously;
If b. payment instruction requires that many accounts merge payment, then by instruction, pre-service is carried out to multiple account data.
C. order bill payment system pays request msg according to user data, order data, payment mode generation, to the rear also informing user terminal of payment request msg signature, this payment request msg is sent to internet banking system.
Herein, order bill payment system adds the transaction digital signature with internet banking system, even if had rogue program to distort to be submitted to the transaction data of internet banking system, and also can the transaction of non-payment at once, prevent user's amount of money stolen, enhance the security of e-commerce transaction.
Another kind of order data verification and pretreated tupe:
Check information and order pretreatment information are notified e-commerce platform by back office interface by A, order bill payment system;
B, e-commerce platform show the payment page to user terminal, and point out user to select payment mode, and payment mode can be that remaining sum pays, gateway pays, fast pay;
The payment mode that user selects is submitted to order bill payment system by C, user terminal;
D, order bill payment system are receiving after user selects payment mode, and the instruction module of order bill payment system generates payment instruction by user profile, order data, and the account management module of order bill payment system does following process by payment instruction simultaneously:
If a) the required account of this user does not exist, newly-generated account, multiple account can exist simultaneously, carries out pre-service to account data simultaneously;
If b) payment instruction requires that many accounts merge payment, then by instruction, pre-service is carried out to multiple account data.
C) order bill payment system generates pay request msg according to user data, order data, payment mode, signs rear and be sent to internet banking system to payment request msg.
Herein, order bill payment system adds the transaction digital signature with internet banking system, even if had rogue program to distort to be submitted to the transaction data of internet banking system, and also can the transaction of non-payment at once, prevent user's amount of money stolen, enhance the security of e-commerce transaction.
(10) internet banking system receives and pays after request msg, verifies payment request msg, and in verification by rear, shows pay the page to user terminal, and points out user to input bank card etc. in the reserved information of bank;
(11) bank card etc. that user inputs by user terminal submits to internet banking system in the information that bank is reserved;
(12) user related information of internet banking system verified users terminal submission, and in verification by rear, return the trade confirmation page to user terminal, and point out user to confirm;
(13) user terminal submits to user's confirmation to internet banking system;
(14) internet banking system verified users confirmation, and verification by after carry out payment processes;
(15) after internet banking system payment processes completes, now, system comprises further:
A kind of backtrack mode: internet banking system returns to the user terminal payment result page, and user terminal is submitted to order bill payment system after receiving the payment result page.
Another kind of backtrack mode: internet banking system returns payment processes result to order bill payment system.
(16) after the payment that order bill payment system receives internet banking system returns results, by payment instruction, order data, account data are finally processed, and the user data after process, order data are returned to e-commerce platform.
(17) e-commerce platform returns to user terminal show the user data received, the final transaction results of order data.
2. a kind of order bill payment system being applied to ecommerce according to claim 1, it is characterized in that: the payment transaction of e-commerce platform is all completed by order bill payment system, associate centered by order, based on account between the two, order in e-commerce transaction, account, payment function are all managed by order bill payment systematic unity and are completed, and e-commerce platform completes the e-business capability beyond order, account, payment.
3. a kind of order bill payment system being applied to ecommerce according to claim 1 and 2, is characterized in that: user terminal comprises the terminal device that PC end, mobile terminal, POS terminal, panel computer, intelligent television etc. can carry out e-commerce transaction.
4. a kind of order bill payment system being applied to ecommerce according to claim 1 and 2, it is characterized in that: in step (2), the main body of e-commerce platform need obtain the mandate of order bill payment system, the form of authorizing can be numbering, interface, word etc., order bill payment system sets up authorized agreement according to the enterprise name, payment channel, payment flow rule etc. of e-commerce platform main body, and e-commerce platform is just concluded the business by order bill payment system after only obtaining the authorization.
5. a kind of order bill payment system being applied to ecommerce according to claim 1 and 2, is characterized in that: in step (9), step (16), the transaction processing of order bill payment system is performed by trading instruction.
CN201511017409.5A 2015-12-29 2015-12-29 Order account payment system applied to electronic commerce Pending CN105427093A (en)

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