CN1838660B - Electronic paying and accepting signal transmission processing method - Google Patents
Electronic paying and accepting signal transmission processing method Download PDFInfo
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- CN1838660B CN1838660B CN2005100337942A CN200510033794A CN1838660B CN 1838660 B CN1838660 B CN 1838660B CN 2005100337942 A CN2005100337942 A CN 2005100337942A CN 200510033794 A CN200510033794 A CN 200510033794A CN 1838660 B CN1838660 B CN 1838660B
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Abstract
This invention relates to an electronic paying and receiving information transmission processing method, which bases on the second device that can communicate with the paying part's first device and receiver's third device and at least one computing part's fourth device that can communicate with the second device, wherein this method includes the steps of paying information transmission processing for the first device starting and receiving information transmission processing for the third device starting.
Description
Technical field
The present invention relates to method for transmitting signals, be specifically related to the method for transmission processing of a kind of E-Payment and accepting signal.
Background technology
Pay by mails is a key areas of e-finance always, along with network and development communication technologies, for this field provides better technical support, some have occurred and supportingly with it can be fit to the safer faster mode of electronic cash more easily.For example, Patent Office of the People's Republic of China is in disclosed No. 02158750.7 patent on September 24th, 2003, its name is called " not using bank card or bankbook to finish the system and method for bank transaction ", this invention has disclosed, set up bank's authoring system, receive the order of client requests bank transaction by this system, give valid instruction assigns authorized number and feed back on this client terminal; On banking terminal, import the Transaction Information that comprises grant number by the client again, after banking system receives above-mentioned Transaction Information, finish transaction; Whole process relates to four processes, the one, the client, the 2nd, bank's authoring system, the 3rd, banking system, the 4th, banking terminal, wherein, except client terminal, its excess-three link all belongs to banking system or directly is connected with banking system, this can bring the problem of fail safe and economy aspect, though it utilizes phone number to replace traditional credit card and debit card, but still be transaction towards the individual: similar with magnetic card, if collect and preserve the other side's personal information, and decoded relevant personal identification number, then transaction may be recurred or is forged.And in Patent Office of the People's Republic of China on December 31st, 2003 disclosed No. 02123059 patent, its name is called " method and system of realizing paying in a kind of mobile intelligent net by SIM card ", and it has disclosed a kind of method and system of paying for sign by mobile subscriber's hand SIM card.But also there is following deficiency in this invention, and it is towards penny ante, and link is many, is subject to sms technique means and telecommunication value-added service, poor availability.
Summary of the invention
The present invention overcomes the above-mentioned shortcoming that existing E-Payment technology exists, and the method for transmission processing that a kind of fail safe is better, use more convenient effective E-Payment and accepting signal is provided.
In order to address the above problem, the technical solution used in the present invention is: the method for transmission processing that a kind of E-Payment and accepting signal are provided, based at least one clearing side the 4th device that can install second device of communicating by letter and can communicate by letter with paying party first with second device with beneficiary the 3rd device, comprise the accepting signal transmission process that payment process of signal transmission that first device starts and the 3rd device start, the payment process of signal transmission that is started by first device may further comprise the steps: (a) first device sends to second device with first kind of communication mode and comprises paying party ID, beneficiary ID, the payment request signal of the amount paid upper limit; (b) second device is received from behind the first payment request signal that installs, retrieve this paying party ID corresponding client database with the first device paying party ID, will comprise that the payment request signal of balancing account, beneficiary ID and the amount paid upper limit of paying party ID, paying party ID correspondence sends to the 4th device with second kind of communication mode; (c) after the 4th device is received this electronic signal, on the corresponding balancing account of paying party ID, freeze the number of amount paid upper limit correspondence, the result signal is sent to second device with second kind of communication mode; If the 4th device is not received the signal of the affirmation transaction that second device is sent in the regular hour, this number automatically then thaws.(d) second device is received from behind the 4th result signal that installs, if handle successfully then extract the characteristic value of paying party ID automatically, forming that a transaction record that contains the characteristic value of paying party leaves in beneficiary ID or check code is the fast cache district of index, will comprise that with first kind of communication mode the presentation for payment signal of check code and beneficiary sends to first device; Notify first device if processing is unsuccessful with first kind of communication mode; (e) after first device is received the presentation for payment signal that comprises check code, first device will comprise that the payment signal of check code, paying party characteristic consigns to the 3rd device, and change step (f) over to; The request confirmation signal that perhaps will comprise check code, the actual delivery amount of money, characteristic is issued second device, and forwards step (g) to; (f) after the 3rd device is received the payment signal that comprises check code, send to second device comprise check code, be subjected to the money amount of money, the paying party characteristic be subjected to the money request signal; (g) second device receives that affirmation request that first device sends or the 3rd device send be subjected to the money request signal after, beneficiary ID or check code search fast cache district with being subjected in the money request signal check whether characteristic and the paying party characteristic value in the record mate; If the coupling would be transmitted to the 4th device with second kind of communication mode; (h) legitimacy that is subjected to the money request signal is received and checked to the 4th device, then freeze to withhold the amount of money as legal from the balancing account of paying the ID correspondence, and the corresponding balancing account of beneficiary ID carried out corresponding Account Disposal, send the transaction results signal to second device; (i) second device returns final transaction results to the 3rd device and first device; (j) the 3rd device returns final schedule of dealing to first device; Wherein, the accepting signal transmission process of the 3rd device startup may further comprise the steps: (k) the 3rd device sends the gathering request signal that comprises beneficiary, collection amount to second device; (l) second device is according to the gathering request signal, and the formation gathering sequence number and the sequence number of will collecting money, beneficiary, collection amount are stored in the buffering area of second device; (m) the second device sequence number of will collecting money sends to the 3rd device; (n) the 3rd device comprises that with physics mode output the gathering information of gathering sequence number, collection amount gives first device, and first device then will comprise that with first communication mode payment request signal of gathering sequence number, Payment Amount, personal characteristics data sends to second and installs; (o) second device is received from behind the first payment request signal that installs, with gathering sequence number retrieval buffering area, retrieve this paying party ID corresponding client database, check the payment legitimacy, if, will comprise that the operation request signal of withholing of paying party information, Payment Amount, beneficiary information sends to the 4th device in the second communication mode by checking; (p) after the 4th device is received the above-mentioned operation request signal of withholing, directly carry out the corresponding Account Disposal of the operation of withholing or carried out for two steps and withhold by the 4th device; (q) the 4th device sends the transaction results signal to second device; (r) after second device is received the transaction results signal that the 4th device sends, return last schedule of dealing to first device and the 3rd device.
Wherein, described second device comprises first communication unit that adopts first kind of communication mode and the second communication unit that adopts second kind of communication mode, wherein, first kind of communication mode be digital mobile or landline telephone system short message communication mode, USSD communication mode, dial a kind of or combination in special clothes telephone number communication mode, the input of the Website login page and the interactive information; Described second kind of communication mode is special line communication; Described second device is to comprise communication terminal or the network-based services device or the intelligent platform that can receive the mobile communication terminal signal, described second device or the 4th device comprise registered client's database, this customer database comprises each registered client's communication terminal ID, balancing account information, characteristic, the contact method data that at least one is related, and wherein the registered client comprises as the client of paying party with as the client of beneficiary.
Wherein, described the 3rd device includes the physical signalling output device.
Wherein, described first device is communication terminal device or network-termination device.
Wherein, comprise the signal that is used for addressing second device in described request payment and the request gathering signal.
Wherein, withhold in two described in the step (p) step and may further comprise the steps: (p1) the 4th device freezes matching amount according to the electronic signal of receiving on the corresponding balancing account of paying party ID; (p2) send the result that expression freezes to operate success or failure to second device; (p3) second device receive from the 4th device freeze to operate successful signal the time, automatically beneficiary relevant information and confirmation code are sent to first device; (p4) first device judges that when fixed relevant information from second device was correct, first device sent confirmation code and the personal characteristics data of confirming payment signal to second device; Perhaps first device sends to the 3rd device with confirmation code and personal characteristics data, by the 3rd device confirmation code and personal characteristics data is sent to second device; After perhaps the 3rd device directly reads confirmation code and personal characteristics data, send to second device; (p5) after second device is checked the data legitimacy, confirmation signal is sent to the 4th device; (p6) after the 4th device is received confirmation signal, check,, carry out relevant Account Disposal if legal.
Wherein, described personal characteristics data are one or more in the following information: customer name or identity card sequence number, password, human body biological characteristics information, mobile terminal device ID and the hardware identification data related with customer name.
Wherein, comprise that also described second device is to the described step that authenticates from the personal characteristics data of first device.
Wherein, described second device can utilize SMPP, CMPP, a kind of short message communication agreement of SGIP or CMPP++ and the SMS service center (SMSC) of communication network, mutual Short Message Service Gateway (SMG), USSD center or USSD Service Gateway communicate, accept note or USSD request that first device and the 3rd device send, the result who handles can be returned to first device or the 3rd device with note or USSD mode, it also can carry out alternately with stored-program control exchange, accept the phonetic dialing request that first device or the 3rd device send, from signaling-information, obtain calling number and called number, carry out data processing, according to the definition and the data processed result of service logic, start the interactive voice flow process.
Beneficial effect of the present invention is: in the present invention, because adopt the method for request, verification, affirmation in the use, the information of the each input of consumer is fairly simple, data volume is few, operation easily, and adopted data are carried out pretreated method, can improve the response speed of transaction platform and settling bank.In addition, in the present invention, it is very difficult recurring transaction, if attempt to recur or emit the time spent, paying party can be found this transaction immediately.Moreover the other side's personal information can't be collected and preserve to beneficiary (businessman), though the personal identification number of the side of collecting payment, because transaction can't be recurred or forge to the people's that can not collect payment communication terminal.
Description of drawings
Fig. 1 is an enforcement environment schematic diagram of the present invention.
Fig. 2 is the internal structure schematic diagram of the device of second among Fig. 1 of the present invention.
Fig. 3 is the flow chart that first device starts the electronic payment signal transmission process among the present invention.
Fig. 4 is the flow chart that the 3rd device starts the transmission process of electronics accepting signal among the present invention.
Embodiment
As shown in Figure 1, be enforcement environment schematic diagram of the present invention.The system that implements E-Payment of the present invention and accepting signal transmission method includes first device, 1, second device the 2, the 3rd device the 3 and the 4th device 4.The present invention just is based on and can installs 3 second devices 2 of communicating by letter and can install at least one the 4th device 4 of the 2 clearing sides that communicate by letter with second with paying party first device 1 and beneficiary the 3rd, the invention provides the payment method for transmitting signals of first device, 1 startup and the accepting signal transmission methods of the 3rd device 3 startups.Wherein:
This second device 2 is arranged on the payment platform place, and its inside is provided with a customer database at least, and this customer database is divided into paying party database and beneficiary database again, is respectively applied for the customer information of storage paying party and beneficiary.Wherein, these customer informations include such as the bank account of client's communication terminal number, one or more associations or pre-paid account or the bank of deposit, customer name, phone, ID card No., one or more characteristic values etc.Each client is corresponding to unique communication terminal number; Characteristic value can be such as fingerprint, password, electronic tag number, barcode value, handset sign indicating number, communication terminal fuselage number, it also may be trading password (this password can be modified) with figure or the distribution of character message form, or other human body biological characteristics etc., each client's information homogeneous one correspondence.Withhold in the designated account of this paying party mandate second device 2 from its customer information.The short message communication agreement (as SMPP, CMPP, SGIP, CMPP++) of can utilizing this second device 2 waits and the SMS service center (SMSC) of communication network or Short Message Service Gateway (SMG), USSD center or USSD Service Gateway alternately, accept first device the 1 and the 3rd device 3 notes of sending or USSD request, also the result who handles can be returned to first device the 1 and the 3rd device with note or USSD mode.Second device 2 also can carry out alternately with stored-program control exchange, accepts the 3 phonetic dialing requests of sending of first device the 1 or the 3rd device, obtains calling number and called number from signaling-information, carries out data processing; Perhaps, start the interactive voice flow process according to the definition and the data processed result of service logic; The result who handles is returned to first device the 1 and the 3rd device 3 with note or USSD mode.
The 3rd device 3 is arranged on beneficiary (businessman) and locates, and it includes the physical signalling output device, and it can communicate with first device, 1 and second device 2.
And the 4th device 4 is arranged on the settlement center place of different bank, it can be a computer of bank settlement center, can be according to second device, 2 clearing request from payment platform, realize such as freeze to specify fund, withhold, bank transaction process such as account transfer.Customer database also can be located at the 4th device 4 inside, and it can write down the record of transaction, client's relevant information and client's the ID and the transitional information of bank account etc.
As shown in Figure 2, be the internal structure schematic block diagram of second device 2 among the present invention.This second device 2 comprises customer database 21, a plurality of first communication unit 22, second communication unit 23 at least and can carry out mutual interactive unit 24 with the 4th device 4.Wherein, first communication unit 22 and second communication unit 23 adopt no communication mode and first device the 1 and the 3rd device 3 to communicate respectively.For example, first communication unit 22 is the communication units that can receive the mobile phone communications signal, and second communication unit 23 is based on the network communication unit of special line.In other words, short message communication mode or the USSD communication mode that first kind of communication mode of the present invention is digital mobile or landline telephone system, dial the communication mode of special clothes telephone number communication mode or input of the Website login page and interactive information, each first communication unit, 22 corresponding a kind of first communication mode; In dialing special clothes telephone number communication mode, contain the information such as coding, gathering or payment number that are useful on addressing second device and the 3rd device in the telephone number.And described second kind of communication mode is leased-line communication method.Customer database 21 in second device 2 comprises each registered client (paying party client or beneficiary client's) communication terminal ID, balancing account information, characteristic, the contact method data (in aforementioned existing explanation) that at least one is related, the corresponding relation of this receipts/paying party ID and balancing account can be managed and safeguard, be changed by second device or the 4th device.
Be described in the process that first device 1 starts the payment process of signal transmission and starts the transmission process of electronics accepting signal at the 3rd device 3 ends respectively below in conjunction with Fig. 3 and Fig. 4.
As shown in Figure 3, in step S30, paying party sends the payment request signal that include paying party ID, beneficiary ID (be the ID of a certain businessman), the amount paid upper limit with first kind of communication mode to second device 2 by first device 1, this signal comprises the signal that is used for addressing second device 2, for example in one embodiment, paying party is sent short messages " 801820-100 " to 12599, wherein, 12599 is shortcodes of the SMS platform of 5 payment request, the 801820th, merchant code, 100 yuan of the payment upper limits; For the higher occasion of fail safe, may in note, increase password.
In step S31, second device 2 is received from behind first device, 1 the payment request signals, at first the ID according to communication terminal discerns this payment client identity authentication, and retrieve this paying party ID corresponding client database with this paying party ID, will comprise that the payment request signal of balancing account, beneficiary ID and the amount paid upper limit of paying party ID, paying party ID correspondence sends to the 4th device 4 with second kind of communication mode.
In step S32, after the 4th device 4 is received this payment request signal, check the payment legitimacy of behavior, on the corresponding balancing account of paying party ID, freeze the amount of money of the corresponding numerical value of the amount paid upper limit, and the result signal is sent to second device 2 with second kind of communication mode.
In step S33, second device 2 is received from behind the 4th device 4 the result signals, detect this result signal, if this result signal indication is handled successfully, then extract the characteristic value of paying party ID automatically (as fingerprint, password), form a transaction record that contains the characteristic value of paying party, leave in beneficiary ID or check code is the fast cache district of index, this transaction record comprises following data: check code (serial number or random number, guarantee within a certain period of time that its represents once transaction uniquely), merchant code, the ID of paying party communication terminal, the paying party bank account, the payment upper limit etc.Second device 2 will comprise that the presentation for payment signal of check code and beneficiary sends to first device 1 with first kind of communication mode, this presentation for payment signal can comprise that also this first kind of communication mode can comprise note/multimedia message, voice, modes such as WAP (literal), email such as information such as businessman's title, address, feature (standing rank, business scope), payment amounts.For example in one embodiment, SMS notification paying party such as second device, 2 titles, address, check code, payment amount with businessman: " you prepare payment and give＜friendly sharp market 〉; address: No. 898 second floors of Yonge, check code 83487,100 yuan of payment amounts ".If the result signal indication processing of handling from the 4th device 4 gets nowhere, then this second device 2 is notified first device 1 with first kind of communication mode.
In step S34, after first device 1 is received the presentation for payment signal that comprises check code, whether the presentation for payment signal that the paying party inspection is received is correct, the consumption that inspection beneficiary (businessman) provides is detailed and whether total amount is correct, if it is errorless, then first device 1 will comprise that the payment signal of check code, paying party characteristic consigns to the 3rd device 3, available in case of necessity password confirming.Example 1: if immediate consumption, then the POS machine of beneficiary (businessman) shows 92.6 yuan of total amounts, and paying party is confirmed this amount of money by the keypad of POS machine, input validation sign indicating number 83487 and password 2345.Example 2: beneficiary is told the paying party total amount, and paying party is told beneficiary with check code.In this step S34, first device 1 also can be issued the request confirmation signal that comprises check code, the actual delivery amount of money, characteristic once more second device 2 and confirm with request.
In step S35, after the 3rd device 3 is received the payment signal that comprises check code, send to second device 2 comprise check code, be subjected to the money amount of money be subjected to the money request signal, this is subjected to may comprise password in the money request signal.Example 1: the POS machine of businessman sends to the bank paying platform such as check code 83487,92.6 yuan of total amounts and password 2345.Example 2: beneficiary can be sent short messages " 83487-9260 " to 12597.12597 is SMS platform shortcodes of 5 gathering requests.
Second the device 2 receive first the device the 1 affirmation request of sending or the 3rd the device 3 send be subjected to the money request signal after, with confirming request or being subjected to beneficiary ID or check code in the money request electronic signal to search for the fast cache district, check whether characteristic and the paying party characteristic value in the record mate; If mate then be subjected to the money request signal to be transmitted to the 4th this and install 4 with second kind of communication mode.
In step S36, the legitimacy that is subjected to the money request signal is received and checked to the 4th device 4, then freeze to withhold the amount of money as legal from the balancing account of paying the ID correspondence, and the corresponding balancing account of receipts/paying party ID carried out corresponding Account Disposal, the back of finishing dealing with sends the transaction results signals to second device 2.
In step S37, second device 2 returns final transaction results signal to the 3rd device 3 and first device 1.Example: payment platform SMS notification paying party: " payment transaction success.Beneficiary is:＜friendly sharp market 〉, address: No. 898 second floors of Yonge, check code 83487,92.6 yuan of the amount of money "; Payment platform SMS notification beneficiary: " gathering Transaction Success.Check code 83487,92.6 yuan of the amount of money ".
In step S38, the 3rd device 3 returns final schedule of dealing to first device 1.For example, consumption receipt/invoice etc. is printed to the paying party feedback information by businessman.
In each above-mentioned step, if handle failure or detected illegal/when not matching, then be notified to first device the 1 or the 3rd device 3.
As shown in Figure 4, show the flow chart of the electronics accepting signal transmission process of the present invention's the 3rd device 3 startups.
In step S40, the 3rd device 3 sends the gathering request signal that comprises beneficiary, collection amount to second device 2, includes the signal that is used for addressing second device 2 in this gathering request signal; Example 1: 896 yuan of transaction total amounts, beneficiary are sent short messages " 896 " to 12597 (12597 is 5 gathering request SMS platform shortcodes).
In step S41, second device 2 forms (gathering sequence number, beneficiary, the collection amount) for information about of collecting money sequence number and will conclude the business and is stored in the high-speed buffer of second device 2 according to the gathering request signal.
In step S42, the 3rd device 3 comprises the gathering information of gathering sequence number, collection amount with physics mode output, and it is passed to first install.For example: beneficiary is pointed out to paying party: " transaction sequence number; 19287, total amount is 896 yuan ".
In step S43, described first device 1 will comprise that with first communication mode payment request signal of gathering sequence number, Payment Amount, personal characteristics data sends to second device 2.For example: paying party is sent short messages " 19287-896 " to 12599.
In step S44, second device 2 is received from behind first device, 1 the payment request signals, with gathering sequence number retrieval buffering area, retrieve this paying party ID corresponding client database, check the payment legitimacy, if by checking, will comprise that the operation request signal of withholing of paying party information, Payment Amount, beneficiary information sends to the 4th device 4 in the second communication mode.
In step S45, after the 4th device 4 is received above-mentioned electronic signal, directly carry out the corresponding Account Disposal of the operation of withholing or carried out for two steps and withhold by the 4th device 4, wherein, two steps withholdd and comprise (1) the 4th device 4 according to the electronic signal of receiving, freezed matching amount on the corresponding balancing account of paying party ID.(2) send the result of freezing to operate success or failure to second device 2.(3) second devices 2 receive from the 4th device 4 freeze to operate successful signal the time automatically beneficiary relevant information and confirmation code are sent to first device 1.Example: payment platform SMS notification paying party: " you prepare payment and give＜friendly nation's insurance 〉, the address: No. 98 second floors in inferior street, 896 yuan of Payment Amounts are confirmed number 83487 ".(4) first devices 1 judge when fixed relevant information from second device 2 is correct that first device 1 sends confirmation code and the personal characteristics data of confirming payment signal to second device 2; Perhaps first device 1 sends to the 3rd device 3 with confirmation code and personal characteristics data, by the 3rd device 3 confirmation code and personal characteristics data is sent to second device 2; After perhaps the 3rd device 3 directly reads confirmation code and personal characteristics data, send to second device 2; Correctly whether the feedback information that the paying party inspection is received (businessman and the amount of money etc.).After the approval transaction, submit to confirmation code (increasing password in case of necessity) to confirm to payment platform or beneficiary.Beneficiary is submitted to payment platform with confirmation code.Example 1: paying party is submitted confirmation code 83487 to beneficiary.Example 2: paying party is sent short messages " 83487-3456 " to 12594 (3456, the password of reserving).After (5) second devices 2 are checked the data legitimacy, confirmation signal is sent to the 4th device 4; After the 4th device 4 is received confirmation signal, check,, carry out relevant Account Disposal if legal.
In step S46, after second device 2 is received the 4th device 4 result signals that send, return last schedule of dealing to first device the 1 and the 3rd device 3.For example: second device 2 is used the SMS notification paying party: " payment transaction success.Beneficiary:＜friendly nation insurance 〉, address: No. 98 second floors in inferior street, 896 yuan of Payment Amounts, check code 83487 ".Beneficiary is printed consumption receipt/invoice etc. to the paying party feedback information.
In each above-mentioned step, if handle failure or detected illegal/when not matching, then notify first device the 1 or the 3rd device 3.
The method for transmission processing of E-Payment provided by the present invention and accepting signal, owing to adopt the mode of preliminary treatment, verification, submission, the information of the each input of consumer is fairly simple, and its data volume is few, and speed is fast.The consumer can in time find and correct the error in data that may occur, and is reliable.
The electronic payment signal transmission method that first device (consumer or requestee) starts relatively is applicable to frequent transaction, many and the uncertain in advance situation of data volume of trade variety, as the cashier in market etc., during each the transaction, the consumer utilizes waiting time, initiatively initiates transaction, the preparation of paying, do not require number accurately, after the approval transaction effect sign indicating number is submitted to businessman.It is low that the accepting signal transmission method that the 3rd device starts can be applied to trading frequency, and perhaps transaction as insurance, accountant, lawyer's office etc., is initiated by the payee in the place of business that trade variety is single or number is determined.
Owing to do not relate to personal information, both parties bear Limited Liability, have greatly reduced risk, and are very reliable.In the present invention, it is very difficult recurring transaction, if attempt to recur or emit the time spent, paying party can be found this transaction immediately.Moreover the other side's personal information can't be collected and preserve to beneficiary (businessman), though the personal identification number of the side of collecting payment, because transaction can't be recurred or forge to the people's that can not collect payment communication terminal.
Claims (7)
1. the method for transmission processing of E-Payment and accepting signal, based at least one clearing side the 4th device that can install second device of communicating by letter and can communicate by letter with paying party first with second device with beneficiary the 3rd device, it is characterized in that, comprise the payment process of signal transmission of the first device startup and the accepting signal transmission process that the 3rd device starts, the payment process of signal transmission that is started by first device may further comprise the steps:
(a) first device sends the payment request signal that comprises paying party ID, beneficiary ID, the amount paid upper limit with first kind of communication mode to second device;
(b) second device is received from behind the first payment request signal that installs, retrieve this paying party ID corresponding client database with the first device paying party ID, will comprise that the payment request signal of balancing account, beneficiary ID and the amount paid upper limit of paying party ID, paying party ID correspondence sends to the 4th device with second kind of communication mode;
(c) after the 4th device is received the payment request signal of this second device transmission, on the corresponding balancing account of paying party ID, freeze the number of amount paid upper limit correspondence, the result signal is sent to second device with second kind of communication mode; If the 4th device is not received the signal of the affirmation transaction that second device is sent in the regular hour, this number automatically then thaws;
(d) second device is received from behind the 4th result signal that installs, if handle successfully then extract the characteristic value of paying party ID automatically, forming that a transaction record that contains the characteristic value of paying party leaves in the check code is the fast cache district of index, will comprise that with first kind of communication mode the presentation for payment signal of check code and beneficiary sends to first device; Notify first device if processing is unsuccessful with first kind of communication mode;
(e) after first device is received the presentation for payment signal that comprises check code, first device will comprise that the payment signal of check code, paying party characteristic consigns to the 3rd device, and change step (f) over to; The request confirmation signal that perhaps will comprise check code, the actual delivery amount of money, paying party characteristic is issued second device, and forwards step (g) to;
(f) after the 3rd device is received the payment signal that comprises check code, send to second device comprise check code, be subjected to the money amount of money, the paying party characteristic be subjected to the money request signal;
(g) second device receives that request confirmation signal that first device sends or the 3rd device send be subjected to the money request signal after, with check code search fast cache district, check whether paying party characteristic and the paying party characteristic value in the record mate; If the coupling would be transmitted to the 4th device with second kind of communication mode;
(h) legitimacy of asking confirmation signal or being subjected to the money request signal is received and checked to the 4th device, then freeze to withhold the amount of money as legal from the balancing account of paying party ID correspondence, and the corresponding balancing account of beneficiary ID carried out corresponding Account Disposal, send the transaction results signal to second device;
(i) second device returns final transaction results to the 3rd device and first device;
(j) the 3rd device returns final schedule of dealing to first device;
Wherein, the accepting signal transmission process of the 3rd device startup may further comprise the steps:
(k) the 3rd device sends the gathering request signal that comprises beneficiary, collection amount to second device;
(l) second device is according to the gathering request signal, and the formation gathering sequence number and the sequence number of will collecting money, beneficiary, collection amount are stored in the buffering area of second device;
(m) the second device sequence number of will collecting money sends to the 3rd device;
(n) the 3rd device comprises that with physics mode output the gathering information of gathering sequence number, collection amount gives first device, and first device then will comprise that with first communication mode payment request signal of gathering sequence number, Payment Amount, paying party characteristic sends to second and installs;
(o) second device is received from behind the first payment request signal that installs, with gathering sequence number retrieval buffering area, retrieval paying party ID corresponding client database, check the payment legitimacy, if, will comprise that the operation request signal of withholing of paying party information, Payment Amount, beneficiary information sends to the 4th device in the second communication mode by checking;
(p) after the 4th device is received the above-mentioned operation request signal of withholing, directly carry out the corresponding Account Disposal of operation of withholing by the 4th device;
(q) the 4th device sends the transaction results signal to second device;
(r) after second device is received the transaction results signal that the 4th device sends, return last schedule of dealing to first device and the 3rd device.
2. the method for transmission processing of E-Payment according to claim 1 and accepting signal, it is characterized in that, described second device comprises first communication unit that adopts first kind of communication mode and the second communication unit that adopts second kind of communication mode, wherein, first kind of communication mode is short message communication mode, USSD communication mode, dials a kind of or combination in special clothes telephone number communication mode, the input of the Website login page and the interactive information; Described second kind of communication mode is special line communication; Described second device is to comprise communication terminal or the network-based services device or the intelligent platform that can receive the mobile communication terminal signal, described second device or the 4th device comprise registered client's database, this registered client's database comprises each registered client's communication terminal ID, balancing account information, characteristic, the contact method data that at least one is related, and wherein the registered client comprises as the client of paying party with as the client of beneficiary.
3. the method for transmission processing of E-Payment according to claim 2 and accepting signal is characterized in that, described the 3rd device comprises the physical signalling output device.
4. the method for transmission processing of E-Payment according to claim 2 and accepting signal is characterized in that, described first device is communication terminal device or network-termination device.
5. according to the method for transmission processing of any one described E-Payment and accepting signal among the claim 1-4, it is characterized in that described payment request signal and gathering request signal comprise the signal that is used for addressing second device.
6. according to the method for transmission processing of each described E-Payment of claim 1-4 and accepting signal, it is characterized in that described paying party characteristic is one or more in the following information: customer name or identity card sequence number, password, human body biological characteristics information, mobile terminal device ID and the hardware identification data related with customer name.
7. the method for transmission processing of E-Payment according to claim 6 and accepting signal is characterized in that, comprises that also described second device is to the described step that authenticates from the paying party characteristic of first device.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2005100337942A CN1838660B (en) | 2005-03-21 | 2005-03-21 | Electronic paying and accepting signal transmission processing method |
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| CN2005100337942A CN1838660B (en) | 2005-03-21 | 2005-03-21 | Electronic paying and accepting signal transmission processing method |
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| CN1838660A CN1838660A (en) | 2006-09-27 |
| CN1838660B true CN1838660B (en) | 2010-12-29 |
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| CN2005100337942A Expired - Fee Related CN1838660B (en) | 2005-03-21 | 2005-03-21 | Electronic paying and accepting signal transmission processing method |
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Families Citing this family (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101188033B (en) * | 2006-11-06 | 2012-09-05 | 邓斌涛 | Quick online payment method and system based on feature recognition |
| CN102855560B (en) * | 2011-06-29 | 2018-07-17 | 国民技术股份有限公司 | A kind of method of mobile payment and system |
| CN103827903A (en) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | Internet payment method and system |
| US20150262179A1 (en) * | 2013-03-18 | 2015-09-17 | Shenzhen Cifpay Network Bank Technology Co., Ltd | Paying method and system by using network |
| CN104937625B (en) * | 2014-03-11 | 2018-06-05 | 深圳市银信网银科技有限公司 | System, method and the network payment server of network payment |
| CN107506996A (en) * | 2017-07-29 | 2017-12-22 | 深圳市前海康启源科技有限公司 | Medical payment system and method based on short message dynamic encryption |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1338693A (en) * | 2000-08-16 | 2002-03-06 | 扈传平 | Instantaneous network payment system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1338693A (en) * | 2000-08-16 | 2002-03-06 | 扈传平 | Instantaneous network payment system |
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