CN104376453A - Online payment method and system - Google Patents
Online payment method and system Download PDFInfo
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- CN104376453A CN104376453A CN201410593362.6A CN201410593362A CN104376453A CN 104376453 A CN104376453 A CN 104376453A CN 201410593362 A CN201410593362 A CN 201410593362A CN 104376453 A CN104376453 A CN 104376453A
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- buyer
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- Engineering & Computer Science (AREA)
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- Strategic Management (AREA)
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- General Business, Economics & Management (AREA)
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Abstract
The invention provides an online payment method and system. The online payment method comprises the steps that an electronic account which is bound to a band account of a buyer is established for the buyer, and an electronic account which is bound to a band account of a seller is established for the seller; a payment request sent by the buyer is received, and fund freezing treatment is conducted on the fund needing to be paid in the electronic account of the buyer according to the payment request; a request, sent by the buyer, for confirming payment is received, fund unfreezing treatment is conducted on the fund needing to be paid in the electronic account of the buyer according to the request for confirming payment, and the unfrozen fund is transferred to the electronic account of the seller from the electronic account of the buyer. By the adoption of the online payment method and system, the prior art that fund in transit is highly centralized to a third party is improved to the payment technology that the fund in transit is directly related to the user, so that the risk of the fund in transit is reduced, and the fund safety is guaranteed. In addition, through fund freezing and interest accrual, a payment guarantee is provided for the seller and interest income is provided for the buyer.
Description
Technical field
The present invention relates to on-line payment field, in particular to a kind of online payment method and system.
Background technology
For a long time, credit system disappearance causes lacking between both parties trusting, and this has become a large bottleneck of National Commerce development.A kind of online payment credit intermediary service in the last few years---third party guarantees pays, and with the identity of tertium quid supervision process of exchange, build one's credit system, solves to a certain extent in e-commerce transaction due to Credit Deficiency problem that information asymmetry causes.The transaction flow of the online guarantee mode of current most widely used a kind of third party is as follows: both parties reach commodity transaction purpose or agreement on the net after, fund is first paid third party by buyer, by third party's temporary safe-keeping, until buyer receive seller kinds of goods and confirm after, fund is paid seller by third party, completes whole transaction.
Because existing online payment under guarantee is all to serve as credit intermediary by the Third-party payment company of non-bank financial institution, what rely on is the commercial credit of Third-party payment company, and Third-party payment company can only be supervised payment for goods by the mode of temporary safe-keeping fund in float, which results in fund in float entitlement must shift in guarantee process, namely be transferred to Third-party payment company from buyer, this makes to buy house and assume responsibility for certain financial risks.
How to set up the payment technology that a kind of fund in float entitlement does not occur to shift, thus effectively ensure user fund security, this become industry need the problem of solution badly.
Summary of the invention
The invention provides a kind of online payment method and system, existing fund in float high concentration is improved to the directly related payment technology of fund in float and user self in third-party payment technology, reduce the risk of fund in float, ensure the fund security of user.
The present invention adopts following technical measures to realize:
The embodiment of the present invention provides a kind of online payment method, and described method comprises: for buyer sets up the electronic account of binding with the bank account of buyer, for seller sets up the electronic account of binding with the bank account of seller;
Receiving the payment request that buyer sends, paying request in the electronic account of buyer to needing the fund paid to carry out freezing of funds process according to described;
Receive the confirmation payment request that buyer sends, in the electronic account of buyer, deblocking of funds process is carried out to the fund that needs pay according to described confirmation payment request, and the fund after thawing is transferred to the electronic account of seller from the electronic account of buyer.
Correspondingly, the embodiment of the present invention also provides a kind of online payment system, comprising:
Account management module, for setting up the electronic account of binding with the bank account of buyer for buyer, for seller sets up the electronic account of binding with the bank account of seller;
Message reception module, for receiving the payment request of buyer's transmission and confirming payment request;
Account control module, during for receiving described payment request at described message reception module, request is paid in the electronic account of buyer to needing the fund paid to carry out freezing of funds process according to described, and, for when described message reception module receives described confirmation payment request, in the electronic account of buyer, deblocking of funds process is carried out to the fund that needs pay according to described confirmation payment request, and the fund after thawing is transferred to the electronic account of seller from the electronic account of buyer.
The online payment method adopting the embodiment of the present invention to provide and system, existing fund in float high concentration is improved to the directly related payment technology of fund in float and user self in third-party payment technology, reduce the risk of fund in float, ensure the fund security of user.In addition, by freezing of funds and the process that bears interest, the interest income of user for fund in float can be ensured.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of a kind of online payment method according to the embodiment of the present invention;
Fig. 2 is the schematic flow sheet of a kind of online payment method according to the embodiment of the present invention;
Fig. 3 is the calcspar of a kind of online payment system according to the embodiment of the present invention;
Fig. 4 is the calcspar of a kind of online payment system according to the embodiment of the present invention.
Embodiment
For making the object of embodiments of the invention, technical scheme and advantage clearly, further combined with accompanying drawing, the present invention is described in detail below.
First, " fund in float " mentioned is described: when fund in float refers to that both parties carry out guarantee transaction under third party participates in, when payment for goods not yet arrives seller's account from buyer's account, is in the fund of state in transit in the present invention.
Fig. 1 is the schematic flow sheet of a kind of online payment method according to the embodiment of the present invention, and with reference to Fig. 1, described method comprises:
100: for buyer sets up the electronic account of binding with the bank account of buyer, for seller sets up the electronic account of binding with the bank account of seller.
In embodiments of the present invention, bank account refers to and depends on the account that entity bank card or bankbook etc. directly can carry out cash withdrawal.Electronic account refers to bind with bank account, can carry out the allocation of the funds with bank account but cannot the account of direct enchashment.
102: receive the payment request that buyer sends, pay request in the electronic account of buyer to needing the fund paid to carry out freezing of funds process according to described.
In embodiments of the present invention, described payment request comprises the fund amount that needs carry out paying.In addition, the described identity information paying request and can also comprise buyer, so that online payment system is determined which electronic account to carry out freezing of funds to according to the identity information of buyer; Or the described electronic account information paying request and can also comprise buyer, so that online payment system directly carries out freezing of funds.
Alternatively, in a kind of implementation of the embodiment of the present invention, buyer can send described payment request by e-commerce platform.
Alternatively, in a kind of implementation of the embodiment of the present invention, 102 also can comprise: after carrying out described freezing of funds process, will complete the date of freezing of funds process as value date, so that the interest of this fund of subsequent calculations.
104: receive the confirmation payment request that buyer sends, in the electronic account of buyer, deblocking of funds process is carried out to the fund that needs pay according to described confirmation payment request, and the fund after thawing is transferred to the electronic account of seller from the electronic account of buyer.
In embodiments of the present invention, described confirmation payment request can comprise the identity information of seller or the electronic account information of seller, so that online payment system carries out the allocation of the funds.
Alternatively, in a kind of implementation of the embodiment of the present invention, buyer can send described confirmation payment request by e-commerce platform.
Alternatively, in a kind of implementation of the embodiment of the present invention, 104 also can comprise: after carrying out described freezing of funds process, be sent completely the message of freezing of funds to seller, such as send this message by e-commerce platform to seller, so that seller carries out delivery process.Certainly, in another kind of implementation, the message of freezing of funds also can be sent completely to buyer.
Alternatively, in a kind of implementation of the embodiment of the present invention, 104 also can comprise: after completing the allocation of the funds, are sent completely the message of payment to buyer and seller, such as, send this message by e-commerce platform to buyer and seller.
Alternatively, in a kind of implementation of the embodiment of the present invention, 104 also can comprise: value date (namely completing the date of freezing of funds process) is interval as interest-bearing to the previous day on the date completing deblocking of funds process, calculate the interest that these needs carry out the fund paid.The concrete methods of figuring interest with reference to the methods of figuring interest of current account, can not repeat herein.Further alternatively, interest clearance can be carried out to transfer the interest calculated in the electronic account of buyer.In an advantageous embodiment, an interest clearance can quarterly be carried out.By this implementation, the interest income of user for fund in float can be ensured.
Adopt the method that the embodiment of the present invention provides, by setting up electronic account for buyer, and when paying, the fund in the electronic account of buyer is freezed, make while ensureing that buyer has paying ability, do not change the entitlement of this part fund, namely, the entitlement of the fund freezed still belongs to buyer, and do not belong to the third party of such as Alipay and so on, make fund in float and buyer self directly related like this, can not be affected because of third-party existence, reduce the financial risks of user, ensured the fund security of user.Meanwhile, owing to carrying out freezing of funds, the rights and interests of seller effectively can be ensured.
Fig. 2 is the schematic flow sheet of a kind of online payment method according to the embodiment of the present invention, and with reference to Fig. 2, described method comprises:
200: for buyer sets up the electronic account of binding with the bank account of buyer, for seller sets up the electronic account of binding with the bank account of seller.Specifically please refer to above for the explanation of 100 in Fig. 1 institute embodiment.
201: receive the payment request that buyer sends, ask to need the fund carrying out paying to transfer to the electronic account of buyer from the bank account of buyer according to described payment.
In the present embodiment, describedly pay request except comprising principal amount that needs carry out paying, the identity information of buyer can also be comprised, so that online payment system confirms the bank account of buyer and the electronic account of buyer, or, directly can comprise the bank account information of buyer and the electronic account information of buyer.
202: pay request in the electronic account of buyer to needing the fund paid to carry out freezing of funds process according to described.Specifically please refer to above for the explanation of 102 in Fig. 1 institute embodiment.
204: receive the confirmation payment request that buyer sends, in the electronic account of buyer, deblocking of funds process is carried out to the fund that needs pay according to described confirmation payment request, and the fund after thawing is transferred to the electronic account of seller from the electronic account of buyer.Specifically please refer to above for the explanation of 104 in Fig. 1 institute embodiment.
Alternatively, in the present embodiment, except the bank account from buyer is to except electronic account allotted fund, also can from electronic account to bank account allotted fund to carry out the operations such as enchashment.
Fig. 3 is the calcspar of a kind of online payment system according to the embodiment of the present invention, and with reference to Fig. 3, online payment system 3 comprises account management module 31, message reception module 32 and account control module 33, is described respectively below.
Account management module 31, for setting up the electronic account of binding with the bank account of buyer for buyer, for seller sets up the electronic account of binding with the bank account of seller.Wherein, bank account refers to and depends on the account that entity bank card or bankbook etc. directly can carry out cash withdrawal.Electronic account refers to bind with bank account, can carry out the allocation of the funds with bank account but cannot the account of direct enchashment.
Alternatively, account management module 31 can also be used for buyer or seller nullifies its electronic account.
Message reception module 32, for receiving the payment request of buyer's transmission and confirming payment request.Wherein, the request of payment carries out freezing of funds process for triggering account control module 33, confirms that the request that pays carries out deblocking of funds and process of transferring for triggering account control module 33.
Account control module 33, during for receiving described payment request at described message reception module 32, request is paid in the electronic account of buyer to needing the fund paid to carry out freezing of funds process according to described, and, for when described message reception module receives described confirmation payment request, in the electronic account of buyer, deblocking of funds process is carried out to the fund that needs pay according to described confirmation payment request, and the fund after thawing is transferred to the electronic account of seller from the electronic account of buyer.
In embodiments of the present invention, described payment request comprises the fund amount that needs carry out paying.In addition, the described identity information paying request and can also comprise buyer, so that online payment system is determined which electronic account to carry out freezing of funds to according to the identity information of buyer; Or the described electronic account information paying request and can also comprise buyer, so that online payment system directly carries out freezing of funds.
In embodiments of the present invention, described confirmation payment request can comprise the identity information of seller or the electronic account information of seller, so that online payment system carries out the allocation of the funds.
Alternatively, in a kind of implementation of the embodiment of the present invention, described payment request and confirmation payment request can be sent by e-commerce platform by buyer.
Adopt the online payment system 3 that the embodiment of the present invention provides, can while ensureing that buyer has paying ability, do not change the entitlement of this part fund, make fund in float and buyer self directly related, can not be affected because of third-party existence, reduce the financial risks of user, ensure the fund security of user.Meanwhile, owing to carrying out freezing of funds, the rights and interests of seller effectively can be ensured.
Alternatively, in a kind of implementation of the present embodiment, described account control module 33 also can be used for: receive the payment request of buyer's transmission at described message reception module 32 after, ask, by needing the fund carrying out paying to transfer to the electronic account of buyer from the bank account of buyer, then in the electronic account of buying part, to carry out freezing of funds process according to described payment.In the preferred implementation of one, between bank account and electronic account, allocation of the funds process can be carried out mutually.
Fig. 4 is the calcspar of a kind of online payment system according to the embodiment of the present invention, and with reference to Fig. 4, online payment system 4, except comprising account management module 31, message reception module 32 and account control module 33, also comprises interest-bearing module 41.Wherein, the explanation for account management module 31, message reception module 32 and account control module 33 please refer to respective description in the embodiment shown in fig. 3 above, does not repeat herein.
Interest-bearing module 41, for will the date of freezing of funds process be completed as value date, value date is interval as interest-bearing to the previous day on the date completing deblocking of funds process, calculate the interest that these needs carry out the fund paid.
Alternatively, as shown in the dotted line frame in Fig. 4, in a kind of implementation of the present embodiment, online payment system 4 can also comprise clearance module 42, for carrying out interest clearance, interest is transferred in the electronic account of buyer by the interest namely calculated according to interest-bearing module 41.In an advantageous embodiment, an interest clearance can quarterly be carried out.The interest income of user for fund in float can be ensured by this implementation.
Alternatively, as shown in the dotted line frame in Fig. 4, in a kind of implementation of the present embodiment, online payment system 4 can also comprise message transmission module 43, after carrying out described freezing of funds process in account control module 33, the message of freezing of funds is sent completely, so that seller carries out delivery process to seller.The message of freezing of funds can certainly be sent completely as buyer.In addition, message transmission module 43 can also be used for, after account control module 33 completes the allocation of the funds, being sent completely the message of payment to buyer and seller.
By the description to above embodiment, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all be implemented by hardware.Based on such understanding, what technical scheme of the present invention contributed to background technology can embody with the form of software product in whole or in part, this computer software product can be stored in storage medium, as ROM/RAM, magnetic disc, CD etc., comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform the method described in some part of each embodiment of the present invention or embodiment.
Disclosedly above be only the specific embodiment of the present invention; only for being illustrated the present invention; the protection domain of the present invention can not be limited with this; those skilled in the art can carry out various amendment, change or replacement under the prerequisite not departing from essence of the present invention; therefore; according to the various equivalent variations that the present invention does, still belong to the scope that the present invention is contained.
Claims (10)
1. an online payment method, is characterized in that, described method comprises:
For buyer sets up the electronic account of binding with the bank account of buyer, for seller sets up the electronic account of binding with the bank account of seller;
Receiving the payment request that buyer sends, paying request in the electronic account of buyer to needing the fund paid to carry out freezing of funds process according to described;
Receive the confirmation payment request that buyer sends, in the electronic account of buyer, deblocking of funds process is carried out to the fund that needs pay according to described confirmation payment request, and the fund after thawing is transferred to the electronic account of seller from the electronic account of buyer.
2. the method for claim 1, is characterized in that, described method also comprises:
To the date of freezing of funds process be completed as value date, value date is interval as interest-bearing to the previous day on the date completing deblocking of funds process, calculate the interest that these needs carry out the fund paid.
3. method as claimed in claim 2, it is characterized in that, described method also comprises:
Carry out interest clearance to transfer the interest calculated in the electronic account of buyer.
4. the method for claim 1, is characterized in that, described method also comprises:
After carrying out described freezing of funds process, be sent completely the message of freezing of funds to seller, so that seller carries out delivery process.
5. the method for claim 1, is characterized in that, described method also comprises:
After the payment request receiving buyer's transmission, ask to need the fund carrying out paying to transfer to the electronic account of buyer from the bank account of buyer according to described payment.
6. an online payment system, is characterized in that, described system comprises:
Account management module, for setting up the electronic account of binding with the bank account of buyer for buyer, for seller sets up the electronic account of binding with the bank account of seller;
Message reception module, for receiving the payment request of buyer's transmission and confirming payment request;
Account control module, during for receiving described payment request at described message reception module, request is paid in the electronic account of buyer to needing the fund paid to carry out freezing of funds process according to described, and, for when described message reception module receives described confirmation payment request, in the electronic account of buyer, deblocking of funds process is carried out to the fund that needs pay according to described confirmation payment request, and the fund after thawing is transferred to the electronic account of seller from the electronic account of buyer.
7. system as claimed in claim 6, it is characterized in that, described system also comprises:
Interest-bearing module, for will the date of freezing of funds process be completed as value date, value date is interval as interest-bearing to the previous day on the date completing deblocking of funds process, calculate the interest that these needs carry out the fund paid.
8. system as claimed in claim 7, it is characterized in that, described system also comprises:
Clearance module, transfers in the electronic account of buyer for the interest described interest-bearing module calculated.
9. system as claimed in claim 6, it is characterized in that, described system also comprises:
Message transmission module, after carrying out described freezing of funds process in described account control module, is sent completely the message of freezing of funds to seller, so that seller carries out delivery process.
10. system as claimed in claim 6, is characterized in that,
Described account control module also for, after described message reception module receives the payment request that buyer sends, pay request the fund carrying out paying will be needed to transfer to the electronic account of buyer from the bank account of buyer according to described.
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| CN201410593362.6A CN104376453A (en) | 2014-10-29 | 2014-10-29 | Online payment method and system |
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| CN201410593362.6A CN104376453A (en) | 2014-10-29 | 2014-10-29 | Online payment method and system |
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