WO2016172938A1 - Network transaction refunding method and system - Google Patents

Network transaction refunding method and system Download PDF

Info

Publication number
WO2016172938A1
WO2016172938A1 PCT/CN2015/078031 CN2015078031W WO2016172938A1 WO 2016172938 A1 WO2016172938 A1 WO 2016172938A1 CN 2015078031 W CN2015078031 W CN 2015078031W WO 2016172938 A1 WO2016172938 A1 WO 2016172938A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
server
information data
data packet
funds
Prior art date
Application number
PCT/CN2015/078031
Other languages
French (fr)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to PCT/CN2015/078031 priority Critical patent/WO2016172938A1/en
Priority to CA2986799A priority patent/CA2986799C/en
Publication of WO2016172938A1 publication Critical patent/WO2016172938A1/en

Links

Images

Classifications

    • 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

Definitions

  • the present invention relates to the field of communications technologies, and in particular, to a method and system for refunding network transactions.
  • E-commerce has gradually become the main trend of Internet economic development. Online consumption has gradually become a way of life. As merchants and users cannot achieve face-to-face payment settlement, the most important part of e-commerce is to reduce the transaction risk of buyers and sellers. .
  • the traditional online payment adopts the form of a third-party payment company guarantee, and the buyer, that is, the payer, pays the funds to the third-party platform, and determines the account after the receipt of the goods and transfers the funds to the seller, that is, the payee through the third-party platform.
  • the first type of seller returns the returned goods to the third-party payment platform
  • the third-party payment platform returns the payment to the buyer.
  • the buyer directly provides the bank account to the seller, and the seller will insert the payment into the bank account.
  • the first type of refund method is used for the third payment platform.
  • a method for refunding a network transaction the method being applied to a second server, the method comprising:
  • a method for refunding a network transaction the method being applied to a first server, the method comprising:
  • the second server Establishing a connection with the second server, the second server determining a corresponding payment account, a payment account, and a payment amount according to the transaction serial number;
  • a refund system for network transactions comprising:
  • a second terminal configured to acquire a transaction serial number, and send a refund request information data packet carrying the transaction serial number to the second server;
  • a second server configured to perform check verification on the refund request information data packet, obtain the transaction serial number, and determine a corresponding payment account, a payment account, and a payment amount according to the transaction serial number;
  • the second server is further configured to establish a connection between the first server corresponding to the payment account, and pay the funds corresponding to the payment amount in the payment account to the first server;
  • the first server is configured to transfer the funds into the payment account.
  • the refund method and system for the above network transaction because the second server can obtain the payment account and the payment amount according to the transaction serial number, and transfer the funds of the payment amount to the payment account through the first server to complete the refund of the network transaction.
  • the seller corresponding to the second terminal cannot know the buyer's payment account, which ensures that the buyer's private account information is not leaked, and the third party payment platform is not required during the refund process, thus ensuring the network transaction retreat. The security of the paragraph.
  • FIG. 1 is a schematic structural diagram of a refund system for network transactions in an embodiment
  • FIG. 2 is a schematic structural diagram of a refund system for network transactions in another embodiment
  • FIG. 3 is an application scenario diagram of a refund system for network transactions in an embodiment
  • FIG. 4 is a schematic flow chart of a method for refunding a network transaction in an embodiment
  • FIG. 5 is a schematic flow chart of a method for refunding a network transaction in another embodiment
  • FIG. 6 is a schematic flow chart of a method for refunding a network transaction in an embodiment
  • FIG. 7 is a schematic flow chart of a method for refunding a network transaction in another embodiment.
  • a refund system for network transactions comprising: a second terminal 11, a second server 12, and a first server 13.
  • the second terminal 11 is configured to acquire a transaction serial number and send a refund request information packet carrying the transaction serial number to the second server 12.
  • the second terminal 11 is suitable for the seller in the network transaction.
  • the second server 12 is provided with a payment account corresponding to the seller, and the second server 12 is configured to transfer the payment amount entered by the buyer's corresponding payment account to the payment account during the transaction process; The payment is refunded to the payment account.
  • the transaction serial number is the unique identification number generated by the buyer and the seller during the online transaction process to identify the transaction.
  • the transaction serial number is associated with each transaction data generated during the transaction.
  • the transaction data includes: the payment account corresponding to the buyer, the payment account corresponding to the seller, and the payment amount.
  • the second terminal 11 After the transaction is completed, the buyer and the seller reach a refund agreement through communication, and the seller completes the refund operation by operating the second terminal 11. Specifically, the second terminal 11 acquires the transaction serial number corresponding to the refund transaction, and obtains the information required to complete the refund operation according to the transaction serial number. The second terminal 11 sends a refund request information packet to the second server 12, requesting the second server 12 to complete the refund operation.
  • the second server 12 is configured to perform check verification on the refund request information data packet, obtain a transaction serial number, and determine a corresponding payment account, a payment account, and a payment amount according to the transaction serial number.
  • the second server 12 is further configured to establish a connection between the first server 13 corresponding to the payment account.
  • the funds corresponding to the payment amount in the payment account are paid to the first server 13.
  • the first server 13 is configured to transfer funds into the payment account.
  • the first server 13 is provided with a payment account corresponding to the buyer, and the first server 13 is configured to spend the payment from the payment account during the transaction process, and transfer the returned payment to the payment account during the refund process. in.
  • the second server 12 verifies the refund request information packet to ensure that the refund request is authentic. After the verification is passed, the transaction serial number is obtained by parsing the refund request information packet. Further, the payment account corresponding to the buyer, the payment account corresponding to the seller, and the payment amount (refund amount) are determined by the transaction data associated with the transaction serial number. The second server 12 establishes a connection with the first server 13, and the second server 12 pays the funds corresponding to the payment amount of the payment account to the first server 13, and then transfers the funds to the collection account through the first server 13, completing the seller's direction. Buyer's refund.
  • the second server 12 can obtain the payment account and the payment amount according to the transaction serial number, and transfer the funds of the payment amount to the payment account through the first server 13 to complete the refund of the network transaction.
  • the seller corresponding to the second terminal 11 cannot know the buyer's payment account, which ensures that the buyer's private account information is not leaked, and the third party payment platform is not required in the refund process, thus ensuring the network transaction. The security of the refund.
  • the system further includes: the first server 13 is further configured to generate a refund success message after the funds have been credited to the payment account.
  • the first terminal 14 is configured to receive a refund success message sent by the first server 13.
  • the first terminal 14 corresponds to a buyer in the network transaction, and the buyer can communicate with the seller corresponding to the second terminal 11 through the first terminal 14, and the buyer and the seller realize network transactions and obtain a transaction refund through the first terminal 14 and the second terminal 11. protocol.
  • the second server 12 After the second server 12 successfully transfers the funds of the payment amount in the payment account to the payment account, the second server 12 generates a refund success message and pushes it to the first terminal 14 to remind the buyer that the refund is completed.
  • the first terminal 14 is further configured to generate a purchase information data package and a transaction serial number corresponding to the purchase information data package, and transmit the purchase information data package and the transaction serial number to the second terminal 11.
  • the first terminal 14 generates a shopping order according to the product shopping information submitted by the user, and calculates a payment amount required for purchasing the shopping order item, and further generates a purchase information data packet according to the payment amount, further And generating a uniquely determined transaction serial number according to the purchase information data packet; and transmitting the purchase information data packet and the transaction serial number to the second terminal 11 corresponding to the seller, and issuing a purchase request to the seller.
  • the second terminal 11 is further configured to parse the purchase information data packet to obtain a payment amount, generate a payment request information data packet according to the payment amount, and send the payment request information data packet and the transaction serial number to the second server 12.
  • the second server 12 is further configured to generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet and the transaction serial number to the first server 13.
  • the first server 13 is configured to freeze, unfreeze, and transfer funds corresponding to the payment account.
  • the buyer corresponding to the first terminal 14 sets in advance through the first server 13 a payment account for paying for funds required to purchase the merchandise.
  • the second server 12 is configured to transfer the received funds into the collection account.
  • the seller corresponding to the second terminal 11 can set the payment account for receiving the payment in advance through the second server 12.
  • the payment account and the payment account may be bank accounts or third party accounts, for example, Alipay or TenPay accounts.
  • the second terminal 11 transmits a payment request information packet to the second server 12, and causes the second server 12 to request payment of the payment from the first server 13 corresponding to the first terminal 14.
  • the payment request information data packet further includes the currency information corresponding to the payment amount.
  • the first server 13 is further configured to parse the payment request information data packet, obtain a payment amount, and freeze the funds corresponding to the payment amount in the preset payment account.
  • the frozen funds will be used to pay for the purchases required for purchases in the purchase information package. Since the frozen funds are unusable before they are thawed, the buyer is guaranteed enough funds to pay for the goods, providing funds for the seller’s shipment, and the funds are not received before the goods are purchased. Just temporarily frozen and not paid out of the payment account, guaranteeing the buyer's capital Gold security.
  • the second server 12 is also configured to send a payment information data packet to the first server 13.
  • the first server 13 is further configured to verify the legality of the payment information data packet, and after the verification, the frozen funds are thawed, the thawed funds are paid to the second server 12, and the payment account and the payment amount are established.
  • the second server 12 is also used to establish a payment account and a mapping relationship between the payment amount and the transaction serial number.
  • the seller needs to request payment from the buyer.
  • the payment information packet is sent by the second server 12 to the first server 13.
  • the payment information data packet includes the confirmation receipt information of the goods that the user has signed the receipt, and the first server 13 checks the legality of the payment information data packet to prevent the data from being tampered with. If the verification is legal, the frozen funds are thawed and then passed through the second server. 12 Transfer to the payment account to complete the online transaction.
  • the seller's payment corresponding to the second terminal 11 is directly paid by the frozen property in the buyer's payment account, instead of being paid by the third party platform, thus ensuring the security of the seller's funds.
  • the first server 13 is further configured to send the committed payment message generated after the payment of the payment amount is successfully frozen to the first terminal 14 and the second server 12, respectively.
  • the second server 12 is also operative to send a committed payment message to the second terminal 11.
  • the second terminal 11 is further configured to generate delivery prompt information according to the promised payment message.
  • the first server 13 will query the available amount corresponding to the payment account to determine whether the available amount is greater than or equal to the payment amount. If yes, the funds with the same payment amount are frozen to pay for the purchase price. If not, a message is generated that the frozen funds failed, and the message is sent to the first terminal 14 and the second server 12, so that the buyer and the seller know that the account balance is insufficient, and the commodity purchase transaction fails.
  • the first server 13 will generate a promise payment message and send it to the first terminal 14 and the second server 12, and the payer can know that the payment account has been frozen in the payment account by the promised payment message.
  • the payee can learn from the promised payment message sent by the second server 12 to the second terminal 11 that the buyer has enough money to purchase the goods, and reminds the seller to arrange the delivery in time through the delivery prompt information.
  • the purchase information package further includes a purchase order; the second terminal 11 is further configured to send the purchase order to the logistics server.
  • the first terminal 14 and the second terminal 11 are further configured to receive delivery information of the goods corresponding to the shopping order sent by the logistics server, where the delivery information includes a logistics order number.
  • the shopping order includes product parameters such as the product type, style, and quantity, and also includes contact information such as a contact name, an address, and a telephone.
  • the second terminal 11 sends the shopping order to the logistics server and the delivery is arranged by the staff of the logistics company.
  • the delivery information after the product is issued will be recorded in the logistics server, and the logistics server will send the logistics order number corresponding to the goods after delivery to the first terminal 14 and the second terminal 11 to facilitate the buyer and seller to monitor the logistics of the purchased goods.
  • the second terminal 11 is further configured to receive a confirmation receipt message sent by the logistics server for the goods that the user has received, and generate a payment information data packet according to the confirmed receipt information.
  • the second terminal 11 is further configured to send the payment information data packet to the second server 12.
  • the staff of the logistics company will record the signed information into the logistics server, and the signed information includes the signature of the signer and the time of receipt.
  • the goods purchased by the buyer have been signed by the user, and the buyer needs to pay for the purchased goods.
  • the logistics server sends a confirmation receipt message that the user has signed the receipt to the second terminal 11, and the second terminal 11 sends a confirmation receipt message to the second server 12.
  • the second server 12 The first server 13 transmits a payment information packet, and the first server 13 completes the transaction payment.
  • the first server 13 determines whether to unfreeze the funds and complete the payment according to the confirmed receipt message of the buyer's signed goods, and the fund payment is not required after the buyer confirms the receipt of the goods, thereby ensuring the second payment.
  • the payee corresponding to the terminal 11 can obtain the payment in time, which reduces the capital risk of the payee.
  • data packets are prevented from being tampered with due to data leakage or hacking.
  • the purchase information packet, the payment request information data packet, the payment request information data packet, and the payment information data packet are encrypted during transmission, that is, the data packet includes an encrypted segment.
  • the encrypted segment included in the foregoing data is encrypted by using a MAC algorithm.
  • buyer A and seller B are in a network shopping transaction, wherein buyer A corresponds to terminal 31, seller B corresponds to terminal 33; server 32 is disposed at bank of buyer A's payment account, server 34 A bank placed on the seller's payment account. It can be clearly seen from the figure that buyers and sellers can realize settlement without going through the third payment platform, and improve the security of funds in online transactions. At the same time, after buyer A and seller B reach a refund agreement, they do not need to know the buyer A bank. In the case of private information of the account, the refund can be completed without the third-party payment platform, which guarantees the security of the refund.
  • a method for refunding a network transaction is provided.
  • the method is applied to a second server in a refund system of a network transaction.
  • the method includes the following steps:
  • Step 401 Receive a second terminal to send a refund request information data packet carrying a transaction serial number.
  • Step 402 Perform verification verification on the refund request information data packet to obtain a transaction serial number, and determine a corresponding payment account, a payment account, and a payment amount according to the transaction serial number.
  • Step 403 Establish a connection between the first server corresponding to the payment account, and pay the funds corresponding to the payment amount in the payment account to the first server.
  • the first server transfers funds to the payment account.
  • the method before receiving the second terminal to send the refund request information data packet carrying the transaction serial number, the method further includes:
  • Step 501 Receive a payment request information data packet and a transaction serial number sent by the second terminal.
  • Step 502 Generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet and the transaction serial number to the first server.
  • the first server parses the payment request information data packet to obtain a payment amount, and freezes the funds corresponding to the payment amount in the preset payment account.
  • Step 503 Send a payment information data packet to the first server.
  • the first server verifies the legality of the payment information data packet, and thaws the frozen funds after the verification is passed.
  • Step 504 Acquire funds paid by the first server, and transfer the funds to the preset payment account. Inside.
  • Step 505 establishing a payment account and a mapping relationship between the payment amount and the transaction serial number.
  • the method further includes: receiving a promised payment message generated by the first server after the funds of the payment amount are successfully frozen; sending the promised payment message to the second terminal, where the second terminal generates the promised payment message according to the promised payment message Delivery prompt information.
  • a method for refunding a network transaction is provided.
  • the method is applied to a first server in a refund system of a network transaction, and the method includes the following steps:
  • Step 601 establishing a connection with the second server.
  • the second server determines the corresponding payment account, the payment account, and the payment amount according to the transaction serial number.
  • Step 602 Acquire a fund corresponding to the payment amount in the payment account number paid by the second server.
  • step 603 the funds are transferred to the payment account.
  • the refund method of the network transaction further includes: generating a refund success message, and sending the refund success message to the first terminal.
  • the method for refunding a network transaction further includes:
  • Step 701 Receive a payment request information data packet sent by the second server and a transaction serial number.
  • Step 702 Parse the payment request information data packet to obtain a payment amount, and freeze the funds corresponding to the payment amount in the preset payment account.
  • Step 703 Receive a payment information data packet sent by the second server.
  • Step 704 verifying the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are paid to the second server.
  • Step 705 establishing a payment account and a mapping relationship between the payment amount and the transaction serial number.
  • the purchase information data package further includes a shopping order; after the step 702, the funds corresponding to the payment amount in the preset payment account are frozen, the refund method of the network transaction further includes:
  • the second terminal sends the shopping order to the logistics server; the first terminal and the second terminal receive the delivery information of the goods corresponding to the shopping order sent by the logistics server, and the shipping information includes the logistics order number.
  • the shopping sent by the logistics server is received at the first terminal and the second terminal After the step of delivering the shipping information for the corresponding item of the order, the method further includes:
  • the second terminal receives the confirmation receipt message of the user that has been signed by the logistics server, and generates a payment information data packet according to the confirmed receipt information; the second terminal sends the payment information data packet to the second server.
  • the method further comprises the step of encrypting the purchase information data package, the payment request information data package, the payment request information data package, and the payment information data package.
  • data packets are prevented from being tampered with due to data leakage or hacking.
  • the purchase information packet, the payment request information data packet, the payment request information data packet, and the payment information data packet are encrypted during transmission, that is, the data packet includes an encrypted segment.
  • the encrypted segment included in the foregoing data is encrypted by using a MAC algorithm.
  • the storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

Landscapes

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

Abstract

A network transaction refunding method and system. The network transaction refunding method comprises: receiving a refund request information data packet sent by a second terminal and carrying a transaction sequence number (401); checking and analysing the refund request information data packet to obtain the transaction sequence number, and determining a corresponding paying account, receiving account and paying amount according to the transaction sequence number (402); establishing a connection with a first server corresponding to the paying account, and paying funds in the receiving account to the first server, the funds corresponding to the paying amount, so that the first server transfers the funds to the paying account (403). The system and method ensure the security of a network transaction refund.

Description

网络交易的退款方法及***Online transaction refund method and system 技术领域Technical field
本发明涉及通信技术领域，特别涉及一种网络交易的退款方法及***。The present invention relates to the field of communications technologies, and in particular, to a method and system for refunding network transactions.
背景技术Background technique
电子商务逐渐成为互联网经济发展的主要潮流，网上消费已逐渐成为人们的一种生活方式，由于商户与用户之间无法实现面对面的支付结算，因此电子商务最关键的环节是降低买卖双方的交易风险。目前传统的网络支付采用第三方支付公司担保的形式，买方即付款方将资金支付到第三方平台，确定收货后通过第三方平台将资金转账到卖方即收款方的账号。E-commerce has gradually become the main trend of Internet economic development. Online consumption has gradually become a way of life. As merchants and users cannot achieve face-to-face payment settlement, the most important part of e-commerce is to reduce the transaction risk of buyers and sellers. . At present, the traditional online payment adopts the form of a third-party payment company guarantee, and the buyer, that is, the payer, pays the funds to the third-party platform, and determines the account after the receipt of the goods and transfers the funds to the seller, that is, the payee through the third-party platform.
买卖双方完成交易后，如果发生退款，传统的退款方式有两种：第一种卖方将退货的货款退回至第三方支付平台，由第三方支付平台将货款返还至买家。或者买家直接提供银行账号给卖家，由卖家将货款打入银行账号。采用第一种退款方式货款经第三支付平台，一旦第三方支付平台出现问题，买卖双方退货的货款都得不到保障，而第二种方式买方直接提供涉及个人私密信息的银行账号给卖方，容易造成银行账号私密信息泄露，给买方带来不必要的麻烦。因此传统的网络交易退款方式无法保障安全退款。After the buyer and the seller complete the transaction, if there is a refund, there are two traditional refund methods: the first type of seller returns the returned goods to the third-party payment platform, and the third-party payment platform returns the payment to the buyer. Or the buyer directly provides the bank account to the seller, and the seller will insert the payment into the bank account. The first type of refund method is used for the third payment platform. Once there is a problem with the third-party payment platform, the buyer and the seller can not guarantee the return of the purchase price, and the second method directly provides the bank account for the private information to the seller. It is easy to cause the private information of the bank account to be leaked, causing unnecessary trouble to the buyer. Therefore, the traditional online transaction refund method cannot guarantee a safe refund.
发明内容Summary of the invention
基于此，有必要针对上述技术问题，提供一种能实现安全退款的网络交易的退款方法及***。Based on this, it is necessary to provide a refund method and system for network transactions that can implement security refund for the above technical problems.
一种网络交易的退款方法，该方法应用于第二服务器，所述方法包括：A method for refunding a network transaction, the method being applied to a second server, the method comprising:
接收第二终端发送携带有交易序列号的退款请求信息数据包；Receiving, by the second terminal, a refund request information data packet carrying the transaction serial number;
对退款请求信息数据包进行校验解析得到所述交易序列号，并根据所述交易序列号确定对应的付款账号、收款账号以及付款金额； Performing check and parsing the refund request information data packet to obtain the transaction serial number, and determining a corresponding payment account, a payment account number, and a payment amount according to the transaction serial number;
建立与所述付款账号对应的第一服务器之间的连接，并将所述收款账号内与所述付款金额对应的资金支付至第一服务器，使第一服务器将所述资金转入所述收款账号。Establishing a connection between the first server corresponding to the payment account, and paying the funds corresponding to the payment amount in the payment account to the first server, so that the first server transfers the funds into the Collection account.
一种网络交易的退款方法，该方法应用于第一服务器，所述方法包括：A method for refunding a network transaction, the method being applied to a first server, the method comprising:
与第二服务器建立连接，所述第二服务器根据交易序列号确定了对应的付款账号、收款账号以及付款金额；Establishing a connection with the second server, the second server determining a corresponding payment account, a payment account, and a payment amount according to the transaction serial number;
获取所述第二服务器支付的收款账号内与所述付款金额对应的资金；Obtaining funds corresponding to the payment amount in the payment account number paid by the second server;
将所述资金转入收款账号内。Transfer the funds to the collection account.
一种网络交易的退款***，所述***包括：A refund system for network transactions, the system comprising:
第二终端，用于获取交易序列号，并发送携带有所述交易序列号的退款请求信息数据包至第二服务器；a second terminal, configured to acquire a transaction serial number, and send a refund request information data packet carrying the transaction serial number to the second server;
第二服务器，用于对所述退款请求信息数据包进行校验解析，得到所述交易序列号，根据所述交易序列号确定对应的付款账号、收款账号以及付款金额；a second server, configured to perform check verification on the refund request information data packet, obtain the transaction serial number, and determine a corresponding payment account, a payment account, and a payment amount according to the transaction serial number;
第二服务器还用于建立与所述付款账号对应的第一服务器之间的连接，并将所述收款账号内与付款金额对应的资金支付至第一服务器；The second server is further configured to establish a connection between the first server corresponding to the payment account, and pay the funds corresponding to the payment amount in the payment account to the first server;
第一服务器，用于将所述资金转入收款账号内。The first server is configured to transfer the funds into the payment account.
上述网络交易的退款方法及***，由于第二服务器可以根据交易序列号获取付款账号以及付款金额，并通过第一服务器将付款金额的资金转入付款账号中完成网络交易的退款。整个退款过程中第二终端对应的卖家无法获知买家的付款账号，保障了买家私密的账号信息不被泄露，同时退款过程中也无需通过第三方支付平台，因而保障了网络交易退款的安全性。The refund method and system for the above network transaction, because the second server can obtain the payment account and the payment amount according to the transaction serial number, and transfer the funds of the payment amount to the payment account through the first server to complete the refund of the network transaction. During the entire refund process, the seller corresponding to the second terminal cannot know the buyer's payment account, which ensures that the buyer's private account information is not leaked, and the third party payment platform is not required during the refund process, thus ensuring the network transaction retreat. The security of the paragraph.
附图说明DRAWINGS
图1为一个实施例中网络交易的退款***的结构示意图；1 is a schematic structural diagram of a refund system for network transactions in an embodiment;
图2为另一个实施例中网络交易的退款***的结构示意图； 2 is a schematic structural diagram of a refund system for network transactions in another embodiment;
图3为一个实施例中网络交易的退款***的应用场景图；3 is an application scenario diagram of a refund system for network transactions in an embodiment;
图4为一个实施例中网络交易的退款方法的流程示意图；4 is a schematic flow chart of a method for refunding a network transaction in an embodiment;
图5为另一个实施例中网络交易的退款方法的流程示意图；5 is a schematic flow chart of a method for refunding a network transaction in another embodiment;
图6为一个实施例中网络交易的退款方法的流程示意图；6 is a schematic flow chart of a method for refunding a network transaction in an embodiment;
图7为另一个实施例中网络交易的退款方法的流程示意图。FIG. 7 is a schematic flow chart of a method for refunding a network transaction in another embodiment.
具体实施方式detailed description
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
如图1所示，在一个实施例中，提供的一种网络交易的退款***，该***包括：第二终端11、第二服务器12以及第一服务器13。As shown in FIG. 1, in one embodiment, a refund system for network transactions is provided, the system comprising: a second terminal 11, a second server 12, and a first server 13.
第二终端11，用于获取交易序列号，并发送携带有交易序列号的退款请求信息数据包至第二服务器12。The second terminal 11 is configured to acquire a transaction serial number and send a refund request information packet carrying the transaction serial number to the second server 12.
第二终端11适用于网络交易中的卖方。第二服务器12设置有卖方对应的收款账号，第二服务器12用于在交易过程中将由买方对应的付款账号打入的货款转入收款账号；在退款过程中将收款账号中的货款退还至付款账号。交易序列号是买卖双方进行网络交易过程中为标识该交易生成的唯一确定的标识号。交易序列号与该交易过程中产生的各项交易数据进行关联。该交易数据包括：买方对应的付款账号、卖方对应的收款账号以及付款金额等。The second terminal 11 is suitable for the seller in the network transaction. The second server 12 is provided with a payment account corresponding to the seller, and the second server 12 is configured to transfer the payment amount entered by the buyer's corresponding payment account to the payment account during the transaction process; The payment is refunded to the payment account. The transaction serial number is the unique identification number generated by the buyer and the seller during the online transaction process to identify the transaction. The transaction serial number is associated with each transaction data generated during the transaction. The transaction data includes: the payment account corresponding to the buyer, the payment account corresponding to the seller, and the payment amount.
交易完成后买卖双方通过沟通达成了退款协议，卖方通过操作第二终端11完成退款操作。具体的，第二终端11获取发生退款交易对应的交易序列号，根据交易序列号获得完成退款操作所需的信息。第二终端11发送退款请求信息数据包至第二服务器12，请求第二服务器12完成退款操作。After the transaction is completed, the buyer and the seller reach a refund agreement through communication, and the seller completes the refund operation by operating the second terminal 11. Specifically, the second terminal 11 acquires the transaction serial number corresponding to the refund transaction, and obtains the information required to complete the refund operation according to the transaction serial number. The second terminal 11 sends a refund request information packet to the second server 12, requesting the second server 12 to complete the refund operation.
第二服务器12，用于对退款请求信息数据包进行校验解析，得到交易序列号，根据交易序列号确定对应的付款账号、收款账号以及付款金额。The second server 12 is configured to perform check verification on the refund request information data packet, obtain a transaction serial number, and determine a corresponding payment account, a payment account, and a payment amount according to the transaction serial number.
第二服务器12还用于建立与付款账号对应的第一服务器13之间的连接， 并将收款账号内与付款金额对应的资金支付至第一服务器13。The second server 12 is further configured to establish a connection between the first server 13 corresponding to the payment account. The funds corresponding to the payment amount in the payment account are paid to the first server 13.
第一服务器13，用于将资金转入收款账号内。The first server 13 is configured to transfer funds into the payment account.
本实施例中，第一服务器13设置有买方对应的付款账号，第一服务器13用于在交易过程中将货款从付款账号中支出，以及在退款过程中将退货后的货款转入付款账号中。In this embodiment, the first server 13 is provided with a payment account corresponding to the buyer, and the first server 13 is configured to spend the payment from the payment account during the transaction process, and transfer the returned payment to the payment account during the refund process. in.
第二服务器12校验退款请求信息数据包是确保退款请求是真实合法的。校验通过后，通过解析退款请求信息数据包得到交易序列号。进一步的，通过与交易序列号关联的交易数据中确定买方对应的付款账号、卖方对应的收款账号以及付款金额(退款金额)。第二服务器12与第一服务器13建立连接，第二服务器12将收款账号对应付款金额的资金支付至第一服务器13，再通过第一服务器13将资金转入至收款账号，完成卖家向买家的退款。The second server 12 verifies the refund request information packet to ensure that the refund request is authentic. After the verification is passed, the transaction serial number is obtained by parsing the refund request information packet. Further, the payment account corresponding to the buyer, the payment account corresponding to the seller, and the payment amount (refund amount) are determined by the transaction data associated with the transaction serial number. The second server 12 establishes a connection with the first server 13, and the second server 12 pays the funds corresponding to the payment amount of the payment account to the first server 13, and then transfers the funds to the collection account through the first server 13, completing the seller's direction. Buyer's refund.
上述网络交易的退款***，第二服务器12可以根据交易序列号获取付款账号以及付款金额，并通过第一服务器13将付款金额的资金转入付款账号中完成网络交易的退款。整个退款过程中第二终端11对应的卖家无法获知买家的付款账号，保障了买家私密的账号信息不被泄露，同时退款过程中也无需通过第三方支付平台，因而保障了网络交易退款的安全性。In the refund system of the above network transaction, the second server 12 can obtain the payment account and the payment amount according to the transaction serial number, and transfer the funds of the payment amount to the payment account through the first server 13 to complete the refund of the network transaction. During the entire refund process, the seller corresponding to the second terminal 11 cannot know the buyer's payment account, which ensures that the buyer's private account information is not leaked, and the third party payment platform is not required in the refund process, thus ensuring the network transaction. The security of the refund.
如图2所示，在一个实施例中，该***还包括：第一服务器13还用于在资金已入账至付款账号后生成退款成功消息。第一终端14，用于接收第一服务器13发送的退款成功消息。As shown in FIG. 2, in an embodiment, the system further includes: the first server 13 is further configured to generate a refund success message after the funds have been credited to the payment account. The first terminal 14 is configured to receive a refund success message sent by the first server 13.
第一终端14对应于网络交易中的买方，买方通过第一终端14可以与第二终端11对应的卖方实现沟通，买卖双方通过第一终端14以及第二终端11实现网络交易以及达成交易退款协议。当第二服务器12成功将收款账号内的付款金额的资金转入至付款账号后，第二服务器12生成退款成功消息推送至第一终端14，以提醒买家退款完成。The first terminal 14 corresponds to a buyer in the network transaction, and the buyer can communicate with the seller corresponding to the second terminal 11 through the first terminal 14, and the buyer and the seller realize network transactions and obtain a transaction refund through the first terminal 14 and the second terminal 11. protocol. After the second server 12 successfully transfers the funds of the payment amount in the payment account to the payment account, the second server 12 generates a refund success message and pushes it to the first terminal 14 to remind the buyer that the refund is completed.
在一个实施例中，第一终端14还用于生成购买信息数据包以及与购买信息数据包对应的交易序列号，并发送购买信息数据包以及交易序列号至第二终端11。 In one embodiment, the first terminal 14 is further configured to generate a purchase information data package and a transaction serial number corresponding to the purchase information data package, and transmit the purchase information data package and the transaction serial number to the second terminal 11.
买方与卖方在网络上进行交易，第一终端14根据用户提交的商品购物信息生成购物订单，并计算购买购物订单商品所需的付款金额，进一步的，根据付款金额生成购买信息数据包，进一步的，根据购买信息数据包生成唯一确定的交易序列号；并将购买信息数据包以及交易序列号发送至卖家对应的第二终端11，向卖家发出购买请求。The buyer and the seller perform transactions on the network, the first terminal 14 generates a shopping order according to the product shopping information submitted by the user, and calculates a payment amount required for purchasing the shopping order item, and further generates a purchase information data packet according to the payment amount, further And generating a uniquely determined transaction serial number according to the purchase information data packet; and transmitting the purchase information data packet and the transaction serial number to the second terminal 11 corresponding to the seller, and issuing a purchase request to the seller.
第二终端11还用于对购买信息数据包进行解析得到付款金额，根据付款金额生成收款请求信息数据包，并将收款请求信息数据包以及交易序列号发送至第二服务器12。The second terminal 11 is further configured to parse the purchase information data packet to obtain a payment amount, generate a payment request information data packet according to the payment amount, and send the payment request information data packet and the transaction serial number to the second server 12.
第二服务器12还用于根据收款请求信息数据包生成付款请求信息数据包，并将付款请求信息数据包以及交易序列号发送至第一服务器13。The second server 12 is further configured to generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet and the transaction serial number to the first server 13.
本实施例中第一服务器13用于对付款账号对应的资金进行冻结、解冻以及转账等操作。第一终端14对应的买方预先通过第一服务器13设置用来支付购买商品所需资金的付款账号。第二服务器12用于将收到资金转入收款账号中。第二终端11对应的卖家可以预先通过第二服务器12设置接收货款的收款账号。In this embodiment, the first server 13 is configured to freeze, unfreeze, and transfer funds corresponding to the payment account. The buyer corresponding to the first terminal 14 sets in advance through the first server 13 a payment account for paying for funds required to purchase the merchandise. The second server 12 is configured to transfer the received funds into the collection account. The seller corresponding to the second terminal 11 can set the payment account for receiving the payment in advance through the second server 12.
在一个实施例中，付款账号和收款账号可以是银行账号也可以是第三方账号，例如，支付宝或者财付通账号。In one embodiment, the payment account and the payment account may be bank accounts or third party accounts, for example, Alipay or TenPay accounts.
第二终端11向第二服务器12发送收款请求信息数据包，让第二服务器12向第一终端14对应的第一服务器13请求支付货款。在一个实施例中，若网络交易中涉及的资金不属于默认的币种时，该付款请求信息数据包中还包括支付金额对应的币种信息。The second terminal 11 transmits a payment request information packet to the second server 12, and causes the second server 12 to request payment of the payment from the first server 13 corresponding to the first terminal 14. In an embodiment, if the funds involved in the network transaction do not belong to the default currency, the payment request information data packet further includes the currency information corresponding to the payment amount.
第一服务器13还用于对付款请求信息数据包进行解析，得到付款金额，冻结预设付款账号内与付款金额对应的资金。The first server 13 is further configured to parse the payment request information data packet, obtain a payment amount, and freeze the funds corresponding to the payment amount in the preset payment account.
本实施例中，冻结后的资金将用于支付购买信息数据包中购物所需的货款。由于被冻结后的资金在未解冻之前是不可使用的，因而，保证了买家有足够的资金用来支付货款，为卖家发货提供了资金保证，同时在未收到购买的商品之前，资金只是暂时冻结而未从付款账号中支付出去，保证了买家资 金的安全性。In this embodiment, the frozen funds will be used to pay for the purchases required for purchases in the purchase information package. Since the frozen funds are unusable before they are thawed, the buyer is guaranteed enough funds to pay for the goods, providing funds for the seller’s shipment, and the funds are not received before the goods are purchased. Just temporarily frozen and not paid out of the payment account, guaranteeing the buyer's capital Gold security.
第二服务器12还用于发送付款信息数据包至第一服务器13。The second server 12 is also configured to send a payment information data packet to the first server 13.
第一服务器13还用于对付款信息数据包的合法性进行校验，校验通过后对冻结后的资金解冻，将解冻后的资金支付至第二服务器12，并建立付款账号以及付款金额与交易序列号之间的映射关系。The first server 13 is further configured to verify the legality of the payment information data packet, and after the verification, the frozen funds are thawed, the thawed funds are paid to the second server 12, and the payment account and the payment amount are established. The mapping relationship between transaction serial numbers.
第二服务器12还用于建立收款账号以及付款金额与交易序列号之间的映射关系。在一个实施例中，确定购买信息数据包中包含的商品已经被签收后，卖家需要向买家请求支付货款。具体的，由第二服务器12发送付款信息数据包至第一服务器13。付款信息数据包中包含用户已签收商品的确认收货信息，第一服务器13对付款信息数据包的合法性校验防止数据被篡改，若校验合法则将冻结的资金解冻后通过第二服务器12转入付款账号中完成网络交易。第二终端11对应的卖家的货款直接由买家的付款账号中冻结的财产支付，而不是由第三方平台支付的，因此保障了卖家资金的安全性。The second server 12 is also used to establish a payment account and a mapping relationship between the payment amount and the transaction serial number. In one embodiment, after determining that the item included in the purchase information package has been signed, the seller needs to request payment from the buyer. Specifically, the payment information packet is sent by the second server 12 to the first server 13. The payment information data packet includes the confirmation receipt information of the goods that the user has signed the receipt, and the first server 13 checks the legality of the payment information data packet to prevent the data from being tampered with. If the verification is legal, the frozen funds are thawed and then passed through the second server. 12 Transfer to the payment account to complete the online transaction. The seller's payment corresponding to the second terminal 11 is directly paid by the frozen property in the buyer's payment account, instead of being paid by the third party platform, thus ensuring the security of the seller's funds.
在一个实施例中，第一服务器13第一服务器还用于将付款金额的资金成功冻结后生成的承诺付款消息分别发送至第一终端14以及第二服务器12。In one embodiment, the first server 13 is further configured to send the committed payment message generated after the payment of the payment amount is successfully frozen to the first terminal 14 and the second server 12, respectively.
第二服务器12还用于将承诺付款消息发送至第二终端11。The second server 12 is also operative to send a committed payment message to the second terminal 11.
第二终端11还用于根据承诺付款消息生成发货提示信息。The second terminal 11 is further configured to generate delivery prompt information according to the promised payment message.
本实施例中，第一服务器13将查询付款账号对应的可用金额，判断可用金额是否大于等于付款金额，若是，则对付款金额相等的资金进行冻结，以用于支付购买商品所需的货款。若否，则生成冻结资金失败的消息，并将该消息发送至第一终端14以及第二服务器12，使买家与卖方了解到账号余额不足，此次商品购买交易失败。In this embodiment, the first server 13 will query the available amount corresponding to the payment account to determine whether the available amount is greater than or equal to the payment amount. If yes, the funds with the same payment amount are frozen to pay for the purchase price. If not, a message is generated that the frozen funds failed, and the message is sent to the first terminal 14 and the second server 12, so that the buyer and the seller know that the account balance is insufficient, and the commodity purchase transaction fails.
将当付款金额的资金冻结成功后，第一服务器13将生成承诺付款消息并发送至第一终端14以及第二服务器12，付款方可以通过承诺付款消息了解到自己的付款账号中已经有资金冻结，收款方可以通过第二服务器12发送至第二终端11中的承诺付款消息了解到买家有足够的金钱来购买商品，通过发货提示信息提醒卖家及时安排发货。 After the funds of the payment amount are successfully frozen, the first server 13 will generate a promise payment message and send it to the first terminal 14 and the second server 12, and the payer can know that the payment account has been frozen in the payment account by the promised payment message. The payee can learn from the promised payment message sent by the second server 12 to the second terminal 11 that the buyer has enough money to purchase the goods, and reminds the seller to arrange the delivery in time through the delivery prompt information.
在一个实施例中，购买信息数据包还包含购物订单；第二终端11还用于将购物订单发送至物流服务器。第一终端14以及第二终端11还用于接收物流服务器发送的购物订单对应的商品已发货的发货信息，发货信息包含物流单号。In one embodiment, the purchase information package further includes a purchase order; the second terminal 11 is further configured to send the purchase order to the logistics server. The first terminal 14 and the second terminal 11 are further configured to receive delivery information of the goods corresponding to the shopping order sent by the logistics server, where the delivery information includes a logistics order number.
本实施例中，购物订单包括：商品种类、款式以及数量等商品参数外，还包括联系人姓名、地址以及电话等联系人信息。第二终端11将购物订单发送至物流服务器由物流公司的工作***发货。商品发出后的发货信息将记录在物流服务器，物流服务器将发货后的商品对应的物流单号发送至第一终端14以及第二终端11，以方便买卖双方对购买商品的物流监控。In this embodiment, the shopping order includes product parameters such as the product type, style, and quantity, and also includes contact information such as a contact name, an address, and a telephone. The second terminal 11 sends the shopping order to the logistics server and the delivery is arranged by the staff of the logistics company. The delivery information after the product is issued will be recorded in the logistics server, and the logistics server will send the logistics order number corresponding to the goods after delivery to the first terminal 14 and the second terminal 11 to facilitate the buyer and seller to monitor the logistics of the purchased goods.
在一个实施例中，第二终端11还用于接收物流服务器发送的用户已签收商品的确认收货消息，并根据确认收货信息生成付款信息数据包。第二终端11还用于将付款信息数据包发送至第二服务器12。In an embodiment, the second terminal 11 is further configured to receive a confirmation receipt message sent by the logistics server for the goods that the user has received, and generate a payment information data packet according to the confirmed receipt information. The second terminal 11 is further configured to send the payment information data packet to the second server 12.
商品被用户签收后，物流公司的工作人员会将已签收信息录入物流服务器，其中已签收信息包括签收人签名以及签收时间等信息。买家购买的商品已被用户签收，此时买家需要为购买的商品支付货款。本实施例中，物流服务器将已用户已签收商品的确认收货消息发送至第二终端11，由第二终端11将确认收货消息发送至第二服务器12，进一步的，第二服务器12向第一服务器13发送付款信息数据包，由第一服务器13完成本次交易支付。After the goods are signed by the user, the staff of the logistics company will record the signed information into the logistics server, and the signed information includes the signature of the signer and the time of receipt. The goods purchased by the buyer have been signed by the user, and the buyer needs to pay for the purchased goods. In this embodiment, the logistics server sends a confirmation receipt message that the user has signed the receipt to the second terminal 11, and the second terminal 11 sends a confirmation receipt message to the second server 12. Further, the second server 12 The first server 13 transmits a payment information packet, and the first server 13 completes the transaction payment.
上述网络交易的退款***中，第一服务器13只根据买方的已签收商品的确认收货消息，确定是否解冻资金并完成支付，无需由买方确认收货后才实现资金支付，保证了第二终端11对应的收款方能及时得到货款，降低了收款方的资金风险。In the refund system of the above network transaction, the first server 13 determines whether to unfreeze the funds and complete the payment according to the confirmed receipt message of the buyer's signed goods, and the fund payment is not required after the buyer confirms the receipt of the goods, thereby ensuring the second payment. The payee corresponding to the terminal 11 can obtain the payment in time, which reduces the capital risk of the payee.
在一个实施例中，为了保证网络交易过程中的数据安全性，防止数据泄露或者遭遇黑客攻击导致的数据包被篡改。购买信息数据包、收款请求信息数据包、付款请求信息数据包以及付款信息数据包在传输过程中都进行了加密处理，即上述数据包中包含了加密段。具体的，上述数据包含的加密段采用的是MAC算法进行加密。 In one embodiment, in order to ensure data security during network transactions, data packets are prevented from being tampered with due to data leakage or hacking. The purchase information packet, the payment request information data packet, the payment request information data packet, and the payment information data packet are encrypted during transmission, that is, the data packet includes an encrypted segment. Specifically, the encrypted segment included in the foregoing data is encrypted by using a MAC algorithm.
如图3所示，在一个实施例中，买方A和卖方B在进行网络购物交易，其中买方A对应终端31，卖方B对应终端33；服务器32布置在买方A的付款账号的银行，服务器34布置在卖方的付款账号的银行。由图中可以清楚的看到买卖双方可以不经过第三支付平台以可以实现结算，提高了网络交易中的资金安全性，同时买方A和卖方B达成退款协议后，在无需获知买方A银行账号的私密信息情况下不通过第三方支付平台即可完成退款，保障了退款安全。As shown in FIG. 3, in one embodiment, buyer A and seller B are in a network shopping transaction, wherein buyer A corresponds to terminal 31, seller B corresponds to terminal 33; server 32 is disposed at bank of buyer A's payment account, server 34 A bank placed on the seller's payment account. It can be clearly seen from the figure that buyers and sellers can realize settlement without going through the third payment platform, and improve the security of funds in online transactions. At the same time, after buyer A and seller B reach a refund agreement, they do not need to know the buyer A bank. In the case of private information of the account, the refund can be completed without the third-party payment platform, which guarantees the security of the refund.
如图4所示，提供了一种网络交易的退款方法，在一个实施例中，该方法应用于网络交易的退款***中第二服务器，该方法包括如下步骤：As shown in FIG. 4, a method for refunding a network transaction is provided. In one embodiment, the method is applied to a second server in a refund system of a network transaction. The method includes the following steps:
步骤401，接收第二终端发送携带有交易序列号的退款请求信息数据包。Step 401: Receive a second terminal to send a refund request information data packet carrying a transaction serial number.
步骤402，对退款请求信息数据包进行校验解析得到交易序列号，并根据交易序列号确定对应的付款账号、收款账号以及付款金额。Step 402: Perform verification verification on the refund request information data packet to obtain a transaction serial number, and determine a corresponding payment account, a payment account, and a payment amount according to the transaction serial number.
步骤403，建立与付款账号对应的第一服务器之间的连接，并将收款账号内与付款金额对应的资金支付至第一服务器。本实施例中，第一服务器将资金转入收款账号。Step 403: Establish a connection between the first server corresponding to the payment account, and pay the funds corresponding to the payment amount in the payment account to the first server. In this embodiment, the first server transfers funds to the payment account.
在一个实施例中，如图5所示，在步骤401，接收第二终端发送携带有交易序列号的退款请求信息数据包之前，该方法还包括：In an embodiment, as shown in FIG. 5, before receiving the second terminal to send the refund request information data packet carrying the transaction serial number, the method further includes:
步骤501，接收第二终端发送的收款请求信息数据包以及交易序列号。Step 501: Receive a payment request information data packet and a transaction serial number sent by the second terminal.
步骤502，根据收款请求信息数据包生成付款请求信息数据包，并将付款请求信息数据包以及交易序列号发送至第一服务器。Step 502: Generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet and the transaction serial number to the first server.
本实施例中，第一服务器对付款请求信息数据包进行解析得到付款金额，并冻结预设付款账号内与付款金额对应的资金。In this embodiment, the first server parses the payment request information data packet to obtain a payment amount, and freezes the funds corresponding to the payment amount in the preset payment account.
步骤503，发送付款信息数据包至第一服务器。Step 503: Send a payment information data packet to the first server.
本实施例中，第一服务器对付款信息数据包的合法性进行校验，并在校验通过后对冻结后的资金进行解冻。In this embodiment, the first server verifies the legality of the payment information data packet, and thaws the frozen funds after the verification is passed.
步骤504，获取第一服务器支付的资金，并将资金转入预设的收款账号 内。Step 504: Acquire funds paid by the first server, and transfer the funds to the preset payment account. Inside.
步骤505，建立收款账号以及付款金额与交易序列号之间的映射关系。 Step 505, establishing a payment account and a mapping relationship between the payment amount and the transaction serial number.
在一个实施例中，该方法还包括：接收第一服务器发送的将付款金额的资金成功冻结后生成的承诺付款消息；将承诺付款消息发送至第二终端，所第二终端根据承诺付款消息生成发货提示信息。In an embodiment, the method further includes: receiving a promised payment message generated by the first server after the funds of the payment amount are successfully frozen; sending the promised payment message to the second terminal, where the second terminal generates the promised payment message according to the promised payment message Delivery prompt information.
如图6所示，在一个实施例中，提供的一种网络交易的退款方法，该方法应用于网络交易的退款***中第一服务器，该方法包括如下步骤：As shown in FIG. 6, in one embodiment, a method for refunding a network transaction is provided. The method is applied to a first server in a refund system of a network transaction, and the method includes the following steps:
步骤601，与第二服务器建立连接。本实施例中，第二服务器根据交易序列号确定了对应的付款账号、收款账号以及付款金额。 Step 601, establishing a connection with the second server. In this embodiment, the second server determines the corresponding payment account, the payment account, and the payment amount according to the transaction serial number.
步骤602，获取第二服务器支付的收款账号内与付款金额对应的资金。Step 602: Acquire a fund corresponding to the payment amount in the payment account number paid by the second server.
步骤603，将资金转入收款账号内。In step 603, the funds are transferred to the payment account.
在一个实施例中，在步骤603，将资金转入收款账号内之后，网络交易的退款方法还包括：生成退款成功消息，并将退款成功消息发送至第一终端。In an embodiment, after the funds are transferred to the payment account in step 603, the refund method of the network transaction further includes: generating a refund success message, and sending the refund success message to the first terminal.
如图7所示，在一个实施例中，网络交易的退款方法还包括：As shown in FIG. 7, in one embodiment, the method for refunding a network transaction further includes:
步骤701，接收第二服务器发送的付款请求信息数据包以及交易序列号。Step 701: Receive a payment request information data packet sent by the second server and a transaction serial number.
步骤702，对付款请求信息数据包进行解析得到付款金额，冻结预设付款账号内与付款金额对应的资金。Step 702: Parse the payment request information data packet to obtain a payment amount, and freeze the funds corresponding to the payment amount in the preset payment account.
步骤703，接收第二服务器发送的付款信息数据包。Step 703: Receive a payment information data packet sent by the second server.
步骤704，对付款信息数据包的合法性进行校验，校验通过后对冻结后的资金解冻，并将解冻后的资金支付至第二服务器。 Step 704, verifying the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are paid to the second server.
步骤705，建立付款账号以及付款金额与交易序列号之间的映射关系。 Step 705, establishing a payment account and a mapping relationship between the payment amount and the transaction serial number.
在一个实施例中，购买信息数据包还包含购物订单；在步骤702，冻结预设付款账号内与付款金额对应的资金之后，网络交易的退款方法还包括：In one embodiment, the purchase information data package further includes a shopping order; after the step 702, the funds corresponding to the payment amount in the preset payment account are frozen, the refund method of the network transaction further includes:
第二终端将购物订单发送至物流服务器；第一终端以及第二终端接收物流服务器发送的购物订单对应的商品已发货的发货信息，发货信息包含物流单号。The second terminal sends the shopping order to the logistics server; the first terminal and the second terminal receive the delivery information of the goods corresponding to the shopping order sent by the logistics server, and the shipping information includes the logistics order number.
在一个实施例中，在第一终端以及第二终端接收物流服务器发送的购物 订单对应的商品已发货的发货信息的步骤之后，该还包括：In one embodiment, the shopping sent by the logistics server is received at the first terminal and the second terminal After the step of delivering the shipping information for the corresponding item of the order, the method further includes:
第二终端接收物流服务器发送的用户已签收商品的确认收货消息，并根据确认收货信息生成付款信息数据包；第二终端将付款信息数据包发送至第二服务器。The second terminal receives the confirmation receipt message of the user that has been signed by the logistics server, and generates a payment information data packet according to the confirmed receipt information; the second terminal sends the payment information data packet to the second server.
在一个实施例中，方法还包括：对购买信息数据包、收款请求信息数据包、付款请求信息数据包以及付款信息数据包进行加密处理的步骤。In one embodiment, the method further comprises the step of encrypting the purchase information data package, the payment request information data package, the payment request information data package, and the payment information data package.
在一个实施例中，为了保证网络交易过程中的数据安全性，防止数据泄露或者遭遇黑客攻击导致的数据包被篡改。购买信息数据包、收款请求信息数据包、付款请求信息数据包以及付款信息数据包在传输过程中都进行了加密处理，即上述数据包中包含了加密段。具体的，上述数据包含的加密段采用的是MAC算法进行加密。In one embodiment, in order to ensure data security during network transactions, data packets are prevented from being tampered with due to data leakage or hacking. The purchase information packet, the payment request information data packet, the payment request information data packet, and the payment information data packet are encrypted during transmission, that is, the data packet includes an encrypted segment. Specifically, the encrypted segment included in the foregoing data is encrypted by using a MAC algorithm.
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，的程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random Access Memory，RAM)等。A person skilled in the art can understand that all or part of the process of implementing the above embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium, and the program is executed. At the time, the flow of the embodiment of each of the above methods may be included. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).
以上实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。The technical features of the above embodiments may be arbitrarily combined. For the sake of brevity of description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, It is considered to be the range described in this specification.
以上实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。 The above embodiments are merely illustrative of several embodiments of the present invention, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, the scope of the invention should be determined by the appended claims.

Claims (10)

  1. 一种网络交易的退款方法，该方法应用于第二服务器，所述方法包括：A method for refunding a network transaction, the method being applied to a second server, the method comprising:
    接收第二终端发送携带有交易序列号的退款请求信息数据包；Receiving, by the second terminal, a refund request information data packet carrying the transaction serial number;
    对退款请求信息数据包进行校验解析得到所述交易序列号，并根据所述交易序列号确定对应的付款账号、收款账号以及付款金额；Performing check and parsing the refund request information data packet to obtain the transaction serial number, and determining a corresponding payment account, a payment account number, and a payment amount according to the transaction serial number;
    建立与所述付款账号对应的第一服务器之间的连接，并将所述收款账号内与所述付款金额对应的资金支付至第一服务器，使第一服务器将所述资金转入所述收款账号。Establishing a connection between the first server corresponding to the payment account, and paying the funds corresponding to the payment amount in the payment account to the first server, so that the first server transfers the funds into the Collection account.
  2. 根据权利要求1所述的方法，其特征在于，在所述接收第二终端发送携带有交易序列号的退款请求信息数据包的步骤之前，该方法还包括：The method according to claim 1, wherein before the step of receiving the second terminal to transmit the refund request information packet carrying the transaction serial number, the method further comprises:
    接收第二终端发送的收款请求信息数据包以及交易序列号；Receiving a payment request information data packet sent by the second terminal and a transaction serial number;
    根据收款请求信息数据包生成付款请求信息数据包，并将所述付款请求信息数据包以及交易序列号发送至第一服务器，使所述第一服务器对所述付款请求信息数据包进行解析得到付款金额，并冻结预设付款账号内与所述付款金额对应的资金；Generating a payment request information data packet according to the payment request information data packet, and transmitting the payment request information data packet and the transaction serial number to the first server, so that the first server analyzes the payment request information data packet to obtain The payment amount, and the funds corresponding to the payment amount in the preset payment account are frozen;
    发送付款信息数据包至第一服务器，使所述第一服务器对付款信息数据包的合法性进行校验，并在校验通过后对冻结后的资金进行解冻；Sending the payment information data packet to the first server, so that the first server verifies the legality of the payment information data packet, and thaws the frozen funds after the verification is passed;
    获取第一服务器支付的所述资金，并将所述资金转入预设的收款账号内；Obtaining the funds paid by the first server, and transferring the funds into a preset collection account;
    建立收款账号以及付款金额与交易序列号之间的映射关系。Establish a collection account and the mapping between the payment amount and the transaction serial number.
  3. 根据权利要求2所述的方法，其特征在于，所述方法还包括：The method of claim 2, wherein the method further comprises:
    接收第一服务器发送的将付款金额的资金成功冻结后生成的承诺付款消息；Receiving a promised payment message generated after the funds sent by the first server successfully freeze the payment amount;
    将所述承诺付款消息发送至第二终端，所第二终端根据承诺付款消息生成发货提示信息。Sending the promised payment message to the second terminal, and the second terminal generates the delivery prompt information according to the promised payment message.
  4. 一种网络交易的退款方法，该方法应用于第一服务器，所述方法包括：A method for refunding a network transaction, the method being applied to a first server, the method comprising:
    与第二服务器建立连接，所述第二服务器根据交易序列号确定了对应的 付款账号、收款账号以及付款金额；Establishing a connection with the second server, the second server determining the corresponding according to the transaction serial number Payment account, payment account number and payment amount;
    获取所述第二服务器支付的收款账号内与所述付款金额对应的资金；Obtaining funds corresponding to the payment amount in the payment account number paid by the second server;
    将所述资金转入收款账号内。Transfer the funds to the collection account.
  5. 根据权利要求4所述的方法，其特征在于，在所述将所述资金转入收款账号内的步骤之后，还包括：The method according to claim 4, further comprising: after the step of transferring the funds into the payment account, further comprising:
    生成退款成功消息，并将所述退款成功消息发送至第一终端。A refund success message is generated and the refund success message is sent to the first terminal.
  6. 根据权利要求4所述的方法，其特征在于，还包括：The method of claim 4, further comprising:
    接收第二服务器发送的付款请求信息数据包以及交易序列号；Receiving a payment request information data packet sent by the second server and a transaction serial number;
    对付款请求信息数据包进行解析得到付款金额，冻结预设付款账号内与所述付款金额对应的资金；Parsing the payment request information data packet to obtain a payment amount, and freezing the funds corresponding to the payment amount in the preset payment account;
    接收第二服务器发送的付款信息数据包；Receiving a payment information data packet sent by the second server;
    对所述付款信息数据包的合法性进行校验，校验通过后对所述冻结后的资金解冻，并将解冻后的所述资金支付至所述第二服务器；Checking the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are paid to the second server;
    建立付款账号以及付款金额与交易序列号之间的映射关系。Establish a payment account and the mapping between the payment amount and the transaction serial number.
  7. 一种网络交易的退款***，其特征在于，所述***包括：A refund system for network transactions, characterized in that the system comprises:
    第二终端，用于获取交易序列号，并发送携带有所述交易序列号的退款请求信息数据包至第二服务器；a second terminal, configured to acquire a transaction serial number, and send a refund request information data packet carrying the transaction serial number to the second server;
    第二服务器，用于对所述退款请求信息数据包进行校验解析，得到所述交易序列号，根据所述交易序列号确定对应的付款账号、收款账号以及付款金额；a second server, configured to perform check verification on the refund request information data packet, obtain the transaction serial number, and determine a corresponding payment account, a payment account, and a payment amount according to the transaction serial number;
    第二服务器还用于建立与所述付款账号对应的第一服务器之间的连接，并将所述收款账号内与付款金额对应的资金支付至第一服务器；The second server is further configured to establish a connection between the first server corresponding to the payment account, and pay the funds corresponding to the payment amount in the payment account to the first server;
    第一服务器，用于将所述资金转入收款账号内。The first server is configured to transfer the funds into the payment account.
  8. 根据权利要求1所述的***，其特征在于，所述第一服务器还用于在所述资金已入账至付款账号后生成退款成功消息；The system according to claim 1, wherein said first server is further configured to generate a refund success message after said funds have been credited to the payment account;
    第一终端，用于接收第一服务器发送的所述退款成功消息。 The first terminal is configured to receive the refund success message sent by the first server.
  9. 根据权利要求8所述的***，其特征在于，所述第一终端还用于生成购买信息数据包以及与所述购买信息数据包对应的交易序列号，并发送购买信息数据包以及所述交易序列号至所述第二终端；The system according to claim 8, wherein said first terminal is further configured to generate a purchase information data package and a transaction serial number corresponding to said purchase information data package, and transmit the purchase information data package and said transaction a serial number to the second terminal;
    所述第二终端还用于对所述购买信息数据包进行解析得到付款金额，根据所述付款金额生成收款请求信息数据包，并将所述收款请求信息数据包以及所述交易序列号发送至所述第二服务器；The second terminal is further configured to parse the purchase information data packet to obtain a payment amount, generate a payment request information data packet according to the payment amount, and send the payment request information data packet and the transaction serial number Sent to the second server;
    所述第二服务器还用于根据所述收款请求信息数据包生成付款请求信息数据包，并将所述付款请求信息数据包以及所述交易序列号发送至所述第一服务器；The second server is further configured to generate a payment request information data packet according to the payment request information data packet, and send the payment request information data packet and the transaction serial number to the first server;
    所述第一服务器还用于对所述付款请求信息数据包进行解析，得到付款金额，冻结预设付款账号内与所述付款金额对应的资金；The first server is further configured to parse the payment request information data packet to obtain a payment amount, and freeze the funds corresponding to the payment amount in the preset payment account;
    所述第二服务器还用于发送付款信息数据包至第一服务器；The second server is further configured to send a payment information data packet to the first server;
    所述第一服务器还用于对所述付款信息数据包的合法性进行校验，校验通过后对所述冻结后的资金解冻，将解冻后的所述资金支付至所述第二服务器，并建立付款账号以及付款金额与交易序列号之间的映射关系；The first server is further configured to check the legality of the payment information data packet, and after the verification is passed, the frozen funds are thawed, and the thawed funds are paid to the second server. And establishing a payment account and a mapping relationship between the payment amount and the transaction serial number;
    所述第二服务器还用于将所述资金转入预设的收款账号，并建立收款账号以及付款金额与交易序列号之间的映射关系。The second server is further configured to transfer the funds to a preset collection account, and establish a collection account and a mapping relationship between the payment amount and the transaction serial number.
  10. 根据权利要求9所述的***，其特征在于，所述第一服务器还用于将付款金额的资金成功冻结后生成的承诺付款消息分别发送至所述第一终端以及所述第二服务器；The system according to claim 9, wherein the first server is further configured to send a committed payment message generated after the payment of the payment amount is successfully frozen to the first terminal and the second server;
    所述第二服务器还用于将所述承诺付款消息发送至所述第二终端；The second server is further configured to send the committed payment message to the second terminal;
    所述第二终端还用于根据承诺付款消息生成发货提示信息。 The second terminal is further configured to generate delivery prompt information according to the committed payment message.
PCT/CN2015/078031 2015-04-30 2015-04-30 Network transaction refunding method and system WO2016172938A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CN2015/078031 WO2016172938A1 (en) 2015-04-30 2015-04-30 Network transaction refunding method and system
CA2986799A CA2986799C (en) 2015-04-30 2015-04-30 Network transaction refunding method and system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/078031 WO2016172938A1 (en) 2015-04-30 2015-04-30 Network transaction refunding method and system

Publications (1)

Publication Number Publication Date
WO2016172938A1 true WO2016172938A1 (en) 2016-11-03

Family

ID=57198062

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/078031 WO2016172938A1 (en) 2015-04-30 2015-04-30 Network transaction refunding method and system

Country Status (2)

Country Link
CA (1) CA2986799C (en)
WO (1) WO2016172938A1 (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110175924A (en) * 2019-04-10 2019-08-27 阿里巴巴集团控股有限公司 A kind of risk network establishing method and device
CN111192104A (en) * 2018-11-15 2020-05-22 来涛 Commodity trading method and system based on network platform
CN112334937A (en) * 2019-06-04 2021-02-05 海付移通科技香港有限公司 Refund method, transaction system, account system and storage medium
CN112884460A (en) * 2021-03-30 2021-06-01 中国工商银行股份有限公司 Method and device for generating transfer transaction message under automatic repayment scene

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101334875A (en) * 2007-06-25 2008-12-31 黄金富 Method and system for payment in instant mutual bank transfer by mobile phone
CN102982479A (en) * 2012-12-21 2013-03-20 江苏乐买到网络科技有限公司 Method for refund in online shopping
CN104376453A (en) * 2014-10-29 2015-02-25 中国建设银行股份有限公司 Online payment method and system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101334875A (en) * 2007-06-25 2008-12-31 黄金富 Method and system for payment in instant mutual bank transfer by mobile phone
CN102982479A (en) * 2012-12-21 2013-03-20 江苏乐买到网络科技有限公司 Method for refund in online shopping
CN104376453A (en) * 2014-10-29 2015-02-25 中国建设银行股份有限公司 Online payment method and system

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111192104A (en) * 2018-11-15 2020-05-22 来涛 Commodity trading method and system based on network platform
CN110175924A (en) * 2019-04-10 2019-08-27 阿里巴巴集团控股有限公司 A kind of risk network establishing method and device
CN110175924B (en) * 2019-04-10 2023-01-20 创新先进技术有限公司 Risk network construction method and device
CN112334937A (en) * 2019-06-04 2021-02-05 海付移通科技香港有限公司 Refund method, transaction system, account system and storage medium
CN112334937B (en) * 2019-06-04 2024-05-24 海付移通科技香港有限公司 Refund method, transaction system, account system and storage medium
CN112884460A (en) * 2021-03-30 2021-06-01 中国工商银行股份有限公司 Method and device for generating transfer transaction message under automatic repayment scene

Also Published As

Publication number Publication date
CA2986799A1 (en) 2016-11-03
CA2986799C (en) 2022-12-06

Similar Documents

Publication Publication Date Title
JP6462159B2 (en) Method and system for processing blockchain-based transactions on existing payment networks
JP6509380B2 (en) Method and system for integrating exchange and issuer processing for blockchain based transactions
JP6462158B2 (en) Method and system for detecting unauthorized use in blockchain based transactions
US10592985B2 (en) Systems and methods for a commodity contracts market using a secure distributed transaction ledger
JP2018518759A (en) Method and system for linking assets based on blockchain to non-convertible currency accounts
WO2014146227A1 (en) Paying method and system by using network
WO2016172973A1 (en) Network transaction payment method and system
WO2016172938A1 (en) Network transaction refunding method and system
CA2988813A1 (en) Cross-funds management server-based payment system, and method, device and server therefor
CA3055645C (en) Payment system based on shared funds-management server, and method, device and server therefor
CA2988809C (en) Cross-funds management server-based payment system, and method, device and server therefor
CA3058527C (en) Cross-funds management server-based payment system, and method, device and server therefor
CA2986827C (en) Network transaction paying method, network transaction receiving method, and network transaction payment method and system
CA3048342C (en) Network payment method and system
US20130282552A1 (en) Automated forex function in an asset storage and transfer system
US20230111668A1 (en) Point-of-sale fraud protection
CA3094228A1 (en) Cross-funds management server-based payment system, and method, device and server therefor
CA3082752A1 (en) Payment system based on shared funds-management server, and method, device and server therefor
CN106709720A (en) Method, device and system for transmitting fulfillment information of electronic certificate
CN106372912A (en) Solution pay information transmission method, apparatus, and system of electronic certificate

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 15890318

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

ENP Entry into the national phase

Ref document number: 2986799

Country of ref document: CA

122 Ep: pct application non-entry in european phase

Ref document number: 15890318

Country of ref document: EP

Kind code of ref document: A1