WO2016172973A1

WO2016172973A1 - Network transaction payment method and system

Info

Publication number: WO2016172973A1
Application number: PCT/CN2015/078131
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-04-30
Filing date: 2015-04-30
Publication date: 2016-11-03
Also published as: CA3077320C; CA3077298C; CA3077154A1; CA2986821A1; CA3077167C; CA3077138C; CA3077167A1; CN106462837A; CA3077249A1; CA3077138A1; CA3077320A1; CA3077206A1; CA3077249C; CA3077154C; CA2986821C; CA3077298A1; CA3077206C

Abstract

The present invention relates to a network transaction payment method and system. The method comprises: (102) a first terminal sends a credit certificate and a purchase information data packet to a second terminal; (103) the second terminal analyses the purchase information data packet to obtain a paying amount, and determines whether the paying amount is less than or equal to an issuing amount corresponding to the credit certificate; if so determined, (104) the second terminal sends a receiving request including the paying amount and the credit certificate to a second server; (105) the second server sends a paying request including the credit certificate and the paying amount to a first server; (106) the second server receives a paying certificate sent by the second terminal, and sends the paying certificate to the first server; (107) the first server checks the validity of the paying certificate, and upon successful checking, according to the credit certificate, unfreezes funds of a goods payment corresponding to a paying account; (108) the first server transfers the funds to a preset receiving account via the second server. The system and method improve the security of funds of a network transaction.

Description

Network transaction payment method and system

Technical field

The present invention relates to the field of computer technologies, and in particular, to a network transaction payment method and system.

Background technique

With the development of the Internet, people's communication with the network is getting closer and closer, and e-commerce has gradually become the main trend of the Internet economy. Online consumption has gradually become a way of life for people. Since face-to-face payment settlement cannot be achieved between merchants and users, the most critical aspect 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. However, in the form of a third-party payment company guarantee, for the payer (buyer), the funds are already paid to the third-party payment company when the goods are not received, and once the third-party payment company has a problem, the payer’s funds are Without the guarantee, the payee (seller) will not be able to guarantee the payment after the goods are delivered. The traditional online payment method leads to a high incidence of online transaction funds.

Summary of the invention

Based on this, it is necessary to provide a network transaction payment method and system capable of reducing the risk of network transaction funds risk in view of the above technical problems.

A network transaction payment method, the method comprising:

The first terminal sends the credential and the purchase information packet to the second terminal;

The second terminal parses the purchase information data packet to obtain a payment amount, and determines whether the payment amount is less than or equal to the credit amount corresponding to the credit certificate, and if yes, sends a payment request including the payment amount and the credit certificate to Second server;

The second server sends a payment request including the credit certificate and the payment amount to the first service Device

The second server receives the payment voucher sent by the second terminal, the payment voucher includes the corresponding payment, and sends the payment voucher to the first server;

The first server verifies the legality of the payment voucher, and after the verification is successful, the funds corresponding to the payment amount of the payment account are unfrozen according to the credit certificate;

The first server transfers the funds to the preset payment account through the second server.

In one embodiment, before the step of the second server receiving the payment voucher sent by the second terminal, the method further includes:

The first terminal sends the confirmed receipt information that the goods have been signed to the second terminal;

The second terminal generates a corresponding payment voucher according to the confirmed receipt information.

The second terminal receives the logistics information corresponding to the commodity returned by the logistics server, and generates a corresponding payment certificate according to the logistics information.

In one embodiment, before the step of sending the credential and the purchasing the information packet to the second terminal by the first terminal, the method further includes:

The first terminal sends a request for issuance to the first server, where the request for issuing the account includes a payment account and an amount of the issuance;

The first server freezes the funds corresponding to the issuing amount of the payment account, and if the freezing is successful, generates a credit certificate corresponding to the issuing amount, and returns the credit certificate to the first terminal, and if the freezing fails, the certificate is failed to be generated. The message is returned to the first terminal.

In one embodiment, after the step of the second server sending the payment request including the credit certificate and the payment amount to the first server, the method further includes:

The first server verifies whether the credit certificate is consistent with the credit certificate returned to the first terminal, and if yes, updates the credit amount corresponding to the credit certificate to the amount obtained after subtracting the payment amount from the issuing amount.

In one embodiment, the first server will increase the amount of the certificate corresponding to the credit certificate. After the new amount of the amount of the issuance minus the payment amount, the steps include:

If the first server does not receive the payment voucher sent by the second server within the preset time range, the first server restores the issued credit amount corresponding to the updated credential to the pre-updated issuance amount.

A network transaction payment method, the method comprising:

The first server receives the first terminal to send a request for issuance, and the request for issuing the account includes a payment account and an amount of the issuance;

The first server freezes the funds corresponding to the issuing amount of the payment account, and if the freezing is successful, generates a credit certificate corresponding to the issuing amount, and returns the credit certificate to the first terminal, and if the freezing fails, the certificate is failed to be generated. a message, and returning the issuing failure message to the first terminal;

The first server receives a payment request sent by the second server, including the payment certificate and the credit certificate, where the payment voucher includes the corresponding payment;

In one embodiment, after the step of receiving, by the first server, the payment request including the payment voucher and the credential sent by the second server, the method further includes:

In one embodiment, after the step of updating, by the first server, the amount of the issuance corresponding to the credit certificate to the amount of the issuance amount minus the payment amount, the method further includes:

A network transaction payment system, the system comprising:

a first terminal, configured to send a credential and purchase the information data packet to the second terminal;

a second terminal, configured to parse the purchase information data packet to obtain a payment amount, and determine whether the payment amount is less than or equal to the issuing amount corresponding to the credit certificate, and if yes, send the payment amount and the credit certificate Request to the second server;

a second server, configured to send a payment request including the credit certificate and the payment amount to the first server, and receive a payment voucher sent by the second terminal, where the payment voucher includes a corresponding payment, and send the payment according to the payment request Determining the payment voucher and the credit certificate to the first server;

The first server verifies the legality of the payment voucher. After the verification is successful, the funds corresponding to the payment account are unfrozen according to the credit voucher, and the funds are transferred to the preset collection account through the second server.

In one embodiment, the first terminal is further configured to send the purchase information data packet to include the confirmed receipt information of the goods to the second terminal;

The second terminal is further configured to generate a corresponding payment voucher according to the confirmed receipt information.

In one embodiment, the second terminal is further configured to receive, by the second terminal, the logistics information corresponding to the commodity returned by the logistics server, and generate a corresponding payment certificate according to the logistics information.

In one embodiment, the first terminal is further configured to send a request for issuance to the first server, where the request for issuing the account includes a payment account and an amount of the issuance;

The first server is further configured to freeze the funds corresponding to the issuing amount of the payment account, and if the freezing is successful, generate a credit corresponding to the issuing amount, and return the credit to the first terminal, if the freezing fails Then, an issue failure failure message is generated, and the issue failure failure message is returned to the first terminal.

In one embodiment, the first server is further configured to verify whether the credit certificate is consistent with the credit certificate returned to the first terminal, and if yes, update the credit amount corresponding to the credit certificate to the issuing amount minus The amount obtained after going to the payment amount.

In one embodiment, the first server is further configured to: when the payment voucher sent by the second server is not received within the preset time range, restore the issued amount corresponding to the updated credential to the pre-updated issuance Amount.

The above network transaction payment method and system, the buyer corresponding to the first terminal has already purchased the goods before After obtaining the credit certificate, the credit certificate provides a guarantee for the buyer to pay the payment to ensure the security of the seller's collection, so that the seller of the second terminal can safely deliver the goods; and the buyer corresponding to the first terminal is in the payment account before the transaction is completed. The funds have not been paid out, which guarantees the security of the buyer’s funds. The online transaction payment between the above methods and systems is completely independent of the third-party payment platform, which improves the financial security of the network transaction.

DRAWINGS

1 is a schematic flow chart of a method for payment of a network transaction in an embodiment;

2 is an application scenario diagram of a network transaction payment method in an embodiment;

3 is a schematic flow chart of a method for payment of a network transaction in an embodiment;

4 is a flowchart of a network transaction payment method after a step of receiving, by a first server, a payment request including a payment voucher and a credit certificate by a first server in an embodiment;

FIG. 5 is a schematic structural diagram of a network transaction payment system in an embodiment.

detailed description

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.

One of the innovations of the embodiment of the present invention is that a new payment mode is realized by combining the frozen payment of the silver letter certificate. Through this mode, the buyer can restrain the seller's transaction performance progress, and this setting ensures that the payment is made. The buyer's financial security also urges the seller to actively deliver the goods, set the settlement conditions at various stages, reduce the capital recovery process, solve the problem of difficult collection of the final payment, and ensure the integrity transaction between the buyer and the seller from the system level.

As shown in FIG. 1, in one embodiment, a network transaction payment method is provided, and the method includes the following steps:

Step 102: The first terminal sends the credit certificate and the purchase information data packet to the second terminal.

The first terminal is applicable to the payer in the network transaction payment, that is, the buyer; the second terminal is applicable to the network. The payee in the transaction is the seller. In one embodiment, the buyer and the seller complete the online transaction through the online shopping platform. The credit certificate refers to an electronic voucher for the payment and settlement of the payment of the goods by the buyer with the corresponding funds of the payment account as the guarantee. Specifically, the credential corresponds to a specific serial number, and the serial number is used as a unique identifier of the credit certificate. The payment account includes a bank account number or a third party payment account.

The first terminal generates a shopping order according to the merchandise shopping information submitted by the user, and calculates a payment amount required for purchasing the shopping order merchandise, and further generates a purchase information data packet according to the shopping order and the payment amount. The first terminal sends the purchase information data packet together with the credit certificate to the second terminal to implement a request for the buyer to purchase the product from the seller.

In an embodiment, before the first terminal sends the credential and the purchase information packet to the second terminal, the network transaction payment method further includes: the first terminal sends the request for issuance to the first server, and the request for the certificate includes The payment account and the amount of the issuance certificate; the first server freezes the funds corresponding to the issuing amount of the payment account, and if the freezing is successful, generates a credit certificate corresponding to the issuing amount, and returns the credit certificate to the first terminal, and if the freezing fails, generates The certificate of failure is issued, and the certificate of failure is returned to the first terminal.

The buyer pre-opens the credit certificate before conducting the online transaction, and by freezing the funds corresponding to the payment account in advance to show the seller that the buyer has the ability to pay the payment. In this embodiment, the first server is provided with a payment account used by the buyer to pay for the payment, and the buyer can freeze the corresponding account of the payment account through the first server, and automatically transfer the payment account to the seller when the funds are thawed. payment.

The amount of the issuance refers to the credit line of the credit certificate. For example, the amount of the certificate is 5,000 yuan, and the issued credit certificate can be used as a guarantee for the credit line for purchasing 5,000 yuan of goods. The funds corresponding to the issuing amount of the credit certificate will not be diverted before they are thawed. Guarantee the safety of the seller to recover the payment.

In one embodiment, the first terminal establishes a connection with the first server over the network. The request for the issuance also includes the user name of the payment account and the user password. The first server verifies whether the buyer has the right to open the credit certificate by checking the user name and the user password. In one embodiment, the reason for the failure of the issuance request includes: the amount corresponding to the payment account is less than the amount of the issuance or the first server is required to issue the certificate. If the first server will not be able to generate a credential, the first server will send a certificate of failure to the first terminal to remind the buyer.

Step 103: The second terminal parses the purchase information data packet to obtain a payment amount, and determines whether the payment amount is less than or equal to the issuing amount corresponding to the credit certificate, and if yes, proceeds to step 104, and if not, ends.

In this embodiment, after receiving the shopping data package, the second terminal further determines whether the buyer has sufficient funds to pay for the purchased product. In this embodiment, by determining whether the payment amount is less than or equal to the issuing amount corresponding to the credit certificate, if yes, it indicates that the frozen funds of the buyer are sufficient to pay for the purchased commodity network transaction, and the process proceeds to step 104. If not, it means that the buyer has insufficient funds to pay for the purchase of the goods. This online transaction failed, and the buyer can choose to purchase other goods or withdraw from the shopping platform.

Step 104: The second terminal sends a payment request including a payment amount and a credit certificate to the second server.

The second server is connected to the second terminal through a network, the second server is provided with a buyer's payment account, and the second server is used to transfer the payment of the purchased product paid by the buyer into the payment account, in one embodiment The second server is preset with a payment account. After the seller receives the purchase request from the buyer, the second terminal sends a payment request to the second server, and the second server requests the first server to pay the payment.

Step 105: The second server sends a payment request including the credit certificate and the payment amount to the first server.

In this embodiment, after receiving the payment request sent by the second terminal, the second server further sends a payment request to the first server according to the payment request, that is, the funds corresponding to the first server credential corresponding to the issuance amount are used. In the payment of online payment. In the course of a network transaction, the funds corresponding to the payment amount of the credit certificate shall not be used for other purposes.

In an embodiment, after the step 105, the method further includes: the first server verifies whether the credential is consistent with the credit certificate returned to the first terminal, and if yes, updating the credit amount corresponding to the credential to the issuance The amount obtained by subtracting the payment amount from the amount.

The first server determines whether the credit certificate sent by the second server is generated by itself, and if so, the credit certificate is legally valid. Since the funds corresponding to the issuing amount of the credit certificate have been used for payment in part or in full, the funds corresponding to the issuing amount of the credit certificate are further adjusted accordingly, and the corresponding amount of the issuing amount is subtracted from the amount of the issuing amount. The amount is convenient for the buyer to make the next purchase, avoiding the buyer's multiple purchases and the credit card corresponding amount is insufficient to pay all the purchase price.

In an embodiment, after the step of updating, by the first server, the amount of the certificate corresponding to the credit card to the amount of the card to be deducted, the method further includes:

In this embodiment, the network transaction process is limited to a preset time range, that is, the time from the time the order is placed to the seller's delivery to the time when the buyer receives the goods is set within a preset time range. If the first server does not receive the payment voucher sent by the second server within the preset time range, the default network transaction has been suspended for some reason. For example, unqualified buyers refuse to sign or buyers and sellers reach an agreement to cancel online transactions. Since the buyer has no obligation to pay the purchase price, the amount of the certificate corresponding to the credit certificate is restored to the amount before the update in order not to affect the buyer's next purchase.

Step 106: The second server receives the payment voucher sent by the second terminal, where the payment voucher includes the corresponding payment, and sends the payment voucher to the first server.

In the actual online transaction process, the goods received by the buyer may differ from the goods sent by the seller, and the payment amount payable may be different from the actual payment amount. For example, the buyer purchased 5 teacups in the seller's online store, but the buyer only signed 3 of the teacups because 2 of them were unqualified, and the payment voucher corresponding to the payment should be 3 teacups instead of 5 The price of a teacup. The second terminal generates a payment voucher according to the information of the network transaction that the buyer and the seller have completed, and sends the payment voucher to the second server, and the second server requests the first server to pay the payment.

In an embodiment, before the second server receives the payment voucher sent by the second terminal, the method further includes: the first terminal sending the confirmed receipt information of the goods to the second terminal; and the second terminal confirming according to the confirmation The receipt information generates a corresponding payment voucher.

In this embodiment, the buyer can actively send the receiving information to the seller that the goods have been signed. Specifically, the buyer clicks the button of the product confirmation receipt on the shopping platform by the first terminal, and further, triggers the first terminal to send the confirmation receipt information to the second terminal. The second terminal generates a payment voucher based on the confirmed receipt information.

In another embodiment, before the second server receives the payment voucher sent by the second terminal, the method further includes:

In this embodiment, when the buyer sends the issuance request through the first terminal, the condition for payment payment by the credit certificate is set as follows: the funds corresponding to the credit certificate are solved in stages according to the logistics information of the commodity delivery. The logistics information of the goods after the seller delivers the goods will be recorded in the logistics server. For example, when the goods are signed by the consignee, the logistics company staff will record the goods receipt information into the logistics server, and the signed information includes the consignee signature and Signing time and other information.

The logistics server feeds back the logistics information of the commodity to the second terminal in real time, and when the logistics information obtained by the second terminal meets the preset condition, the corresponding payment certificate is generated according to the logistics information. For example, the logistics information recorded by the logistics server indicates that after the seller completes the delivery task, the generated payment voucher needs the buyer to pay part of the payment. When the logistics information recorded by the logistics server indicates that the buyer has signed the goods, the generated payment voucher needs to be purchased. The family pays the remaining payment.

The first server sorts out the funds corresponding to the credit certificate according to the logistics information of the commodity, and divides the payment of the commodity into multiple stages of payment, which can motivate the seller to actively fulfill the obligation to execute the transaction contract, ensure the safety of the buyer's funds, and urge the seller to actively Delivery, the integrity of transactions between buyers and sellers.

In one embodiment, the logistics server sends the logistics order number corresponding to the goods after delivery to the first terminal and the second terminal, so as to facilitate the logistics tracking of the purchased goods by the buyer and the seller.

Step 107: The first server verifies the legality of the payment voucher. After the verification is successful, the funds corresponding to the payment account are unfrozen according to the credit voucher.

Step 108: The first server transfers the funds to the preset payment account through the second server.

In this embodiment, the first server pays the funds corresponding to the frozen issuance amount of the payment account to the preset collection account through the second server, thereby realizing the payment obligation of the buyer to purchase the commodity. finished Online trading.

In one embodiment, data packets are tampered with in order to prevent data leakage or hacking. The data such as the purchase information packet, the payment voucher, and the credit certificate are encrypted during the transmission process, that is, the data packet includes the encrypted segment. Specifically, the encrypted segment included in the foregoing data is encrypted by using a MAC algorithm.

In the above network transaction payment method, the buyer corresponding to the first terminal has obtained the credit certificate before purchasing the commodity, and the credit certificate provides guarantee for the buyer to pay the payment to ensure the security of the seller's collection, so that the seller of the second terminal can safely deliver the goods. The buyer corresponding to the first terminal does not pay the funds in the payment account before the transaction is completed, which ensures the security of the buyer's funds. The above-mentioned method of network transaction payment is completely independent of the third-party payment platform, and the capital security of the network transaction is improved. At the same time, the payment in the buyer's payment account does not need to be paid in advance. In the period when no seller has not completed the delivery, the payment can also generate interest in the account corresponding to the payment account, which increases the buyer's capital income.

as shown in picture 2. In one embodiment, the buyer A issues a credit request for the 5000 yuan credit certificate to the first server 22 through the first terminal 21, and the first server 22 freezes the 5000 yuan in the payment account, and generates a value of 5,000 yuan. The credit certificate is returned to the first terminal 21. Buyer A enters seller B's online store to purchase goods on the shopping platform, but the purchased goods must be less than or equal to 5,000 yuan to achieve the transaction. The purchase price of the goods purchased by the buyer A is guaranteed by a 5,000 yuan credit certificate. After the buyer and the seller reach a transaction agreement, the seller B arranges the logistics company to send the goods. The logistics company records the logistics information of the commodity into the logistics server 25, the logistics server 25 returns the logistics information to the second terminal 23, the second terminal 23 generates a corresponding payment certificate, and the second terminal 23 sends the payment certificate to the second server 24, The second server 24 sends the payment voucher to the first server 22 and the credit voucher requests payment of the payment. The first server 22 unfreezes the funds in the payment account according to the credit voucher, and transfers the funds to the payment account of the seller B through the second server 24. Complete online transaction payment.

In an embodiment, as shown in FIG. 3, a network transaction payment method is provided, the method Applying the first server; the method includes the following steps:

Step 302: The first server receives, by the first terminal, a request for issuing a certificate, where the request for issuing includes a payment account and an amount of the issuance.

Step 304: The first server freezes the funds corresponding to the issuing amount of the payment account, and if the freezing is successful, generates a credit corresponding to the issuing amount, and returns the credit to the first terminal, and if the freezing fails, generates an opening failure message. And return the certificate of failure to the first terminal.

Step 306: The first server receives a payment request that is sent by the second server and includes a payment certificate and a credit certificate, where the payment voucher includes a corresponding payment.

Step 308: The first server verifies the legality of the payment voucher. After the verification is successful, the funds corresponding to the payment account are unfrozen according to the credit voucher.

Step 310: The first server transfers the funds to the preset payment account through the second server.

In an embodiment, after the first server transfers funds to the preset payment account through the second server, the method further includes: the first server generates a message that the payment is successful, and sends a message that the payment is successful. To the first terminal.

As shown in FIG. 4, in an embodiment, after the step of receiving, by the second server, the payment request including the payment voucher and the credit certificate, the first server further includes:

Step 402: The first server verifies whether the credential is consistent with the credit certificate returned to the first terminal. If yes, go to step 404, and if no, it ends.

Step 404: Update the amount of the issuance corresponding to the credit certificate to the amount obtained after subtracting the payment amount from the amount of the issuance.

In an embodiment, after the first server updates the issuance amount corresponding to the credit certificate to the amount obtained after subtracting the payment amount, the method further includes:

Step 406: If the first server does not receive the payment voucher sent by the second server within the preset time range, the first server restores the requisition amount corresponding to the updated credential to the pre-updated issuance amount.

As shown in FIG. 5, a network transaction payment system is provided. The system includes: a first terminal, a second terminal, a first server, and a second server, wherein the first terminal 11 and the first server 12 is connected; the second terminal 13 is connected to the second server 14; the first terminal 11 is connected to the second terminal 13; and the first server 12 is connected to the second server 14.

The first terminal 11 is configured to send the credit certificate and purchase the information data packet to the second terminal 13.

The second terminal 13 is configured to parse the purchase information data packet to obtain a payment amount, and determine whether the payment amount is less than or equal to the issuing amount corresponding to the credit certificate, and if yes, send the payment request including the payment amount and the credit certificate to the second server 14 .

The second server 14 is configured to send a payment request including the credit voucher and the payment amount to the first server 12, and receive the payment voucher sent by the second terminal 13. the payment voucher includes the corresponding payment, and sends the payment voucher and the credit according to the payment request. The credentials are to the first server 12.

The first server 12 verifies the legality of the payment voucher. After the verification is successful, the funds corresponding to the payment amount of the payment account are thawed according to the credit voucher, and the funds are transferred to the preset collection account through the second server 14.

In an embodiment, the first terminal 11 is further configured to send the confirmed receipt information of the goods that has been signed to the second terminal 13.

The second terminal 13 is further configured to generate a corresponding payment voucher according to the confirmed receipt information.

In an embodiment, the second terminal 13 is further configured to receive, by the second terminal 13, the logistics information corresponding to the commodity returned by the logistics server, and generate a corresponding payment certificate according to the logistics information.

In one embodiment, the first server 12 is further configured to generate a message that the payment was successful, and send a message that the payment was successful to the first terminal 11.

In one embodiment, the second server 14 is further configured to generate a message that the payment is successful, and send a message of successful receipt to the second terminal 13.

In an embodiment, the first terminal 11 is further configured to send a request for issuance to the first server 12, where the request for issuing includes a payment account and an amount of the issuance.

In an embodiment, the first server 12 is further configured to freeze the funds corresponding to the payment amount of the payment account, and if the freezing is successful, generate a credit corresponding to the issuing amount, and return the credit to the first terminal 11, if If the freeze fails, an issue failure failure message is generated, and the issue failure failure message is returned to the first terminal 11.

In an embodiment, the first server 12 is further configured to verify whether the credit certificate is consistent with the credit certificate returned to the first terminal 11, and if yes, update the credit amount corresponding to the credit certificate to the issuing amount minus the payment amount. The amount obtained afterwards.

In an embodiment, the first server 12 is further configured to: when the payment voucher sent by the second server 14 is not received within the preset time range, restore the issued amount corresponding to the updated credential to the pre-update opening. The amount of the certificate.

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).

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.

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

A network transaction payment method, the method comprising:

The first terminal sends the credential and the purchase information packet to the second terminal;

The second terminal parses the purchase information data packet to obtain a payment amount, and determines whether the payment amount is less than or equal to the credit amount corresponding to the credit certificate, and if yes, sends a payment request including the payment amount and the credit certificate to Second server;

The second server sends a payment request including the credit certificate and the payment amount to the first server;

The second server receives the payment voucher sent by the second terminal, the payment voucher includes the corresponding payment, and sends the payment voucher to the first server;

The first server verifies the legality of the payment voucher, and after the verification is successful, the funds corresponding to the payment amount of the payment account are unfrozen according to the credit certificate;

The first server transfers the funds to the preset payment account through the second server.
The method according to claim 1, wherein before the step of the second server receiving the payment voucher sent by the second terminal, the method further comprises:

The first terminal sends the confirmed receipt information that the goods have been signed to the second terminal;

The second terminal generates a corresponding payment voucher according to the confirmed receipt information.
The method according to claim 1, wherein before the step of the second server receiving the payment voucher sent by the second terminal, the method further comprises:

The second terminal receives the logistics information corresponding to the commodity returned by the logistics server, and generates a corresponding payment certificate according to the logistics information.
The method according to claim 1, wherein before the step of transmitting the credential and the purchasing the information packet to the second terminal by the first terminal, the method further comprises:

The first terminal sends a request for issuance to the first server, where the request for issuing the account includes a payment account and an amount of the issuance;

The first server freezes the funds corresponding to the issuing amount of the payment account, if the freezing is successful And generating a credit certificate corresponding to the issuing amount, and returning the credential to the first terminal, and if the freezing fails, generating an opening failure message, and returning the issuing failure message to the first terminal.
The method according to claim 1, wherein after the step of the second server transmitting the payment request including the credit certificate and the payment amount to the first server, the method further comprises:

The first server verifies whether the credit certificate is consistent with the credit certificate returned to the first terminal, and if yes, updates the credit amount corresponding to the credit certificate to the amount obtained after subtracting the payment amount from the issuing amount.
The method according to claim 5, wherein after the step of updating, by the first server, the amount of the issuance corresponding to the credit certificate to the amount of the issuance amount minus the payment amount, the method further comprises:

If the first server does not receive the payment voucher sent by the second server within the preset time range, the first server restores the issued credit amount corresponding to the updated credential to the pre-updated issuance amount.
A network transaction payment method, the method comprising:

The first server receives the first terminal to send a request for issuance, and the request for issuing the account includes a payment account and an amount of the issuance;

The first server freezes the funds corresponding to the issuing amount of the payment account, and if the freezing is successful, generates a credit certificate corresponding to the issuing amount, and returns the credit certificate to the first terminal, and if the freezing fails, the certificate is failed to be generated. a message, and returning the issuing failure message to the first terminal;

The first server receives a payment request sent by the second server, including the payment certificate and the credit certificate, where the payment voucher includes the corresponding payment;

The first server verifies the legality of the payment voucher, and after the verification is successful, the funds corresponding to the payment amount of the payment account are unfrozen according to the credit certificate;

The first server transfers the funds to the preset payment account through the second server.
The method according to claim 7, wherein after the step of receiving, by the first server, the payment request including the payment voucher and the credit voucher sent by the second server, the method further comprises:

The first server verifies whether the credit certificate is identical to the credit certificate returned to the first terminal If yes, the amount of the issuance corresponding to the credit certificate is updated to the amount obtained after subtracting the payment amount from the amount of the issuance.
The method according to claim 7, wherein after the step of updating, by the first server, the amount of the issuance corresponding to the credit certificate to the amount of the issuance amount minus the payment amount, the method further comprises:

If the first server does not receive the payment voucher sent by the second server within the preset time range, the first server restores the issued credit amount corresponding to the updated credential to the pre-updated issuance amount.
A network transaction payment system, characterized in that the system comprises:

a first terminal, configured to send a credential and purchase the information data packet to the second terminal;

a second terminal, configured to parse the purchase information data packet to obtain a payment amount, and determine whether the payment amount is less than or equal to the issuing amount corresponding to the credit certificate, and if yes, send the payment amount and the credit certificate Request to the second server;

a second server, configured to send a payment request including the credit certificate and the payment amount to the first server, and receive a payment voucher sent by the second terminal, where the payment voucher includes a corresponding payment, and send the payment according to the payment request Determining the payment voucher and the credit certificate to the first server;

The first server verifies the legality of the payment voucher. After the verification is successful, the funds corresponding to the payment account are unfrozen according to the credit voucher, and the funds are transferred to the preset collection account through the second server.
The system according to claim 10, wherein the first terminal is further configured to send the purchase information data packet to include the confirmed receipt information of the goods that has been signed to the second terminal;

The second terminal is further configured to generate a corresponding payment voucher according to the confirmed receipt information.
The system according to claim 10, wherein the second terminal is further configured to receive, by the second terminal, logistics information corresponding to the commodity returned by the logistics server, and generate a corresponding payment certificate according to the logistics information.
The system according to claim 10, wherein the first terminal is further configured to send a request for issuance to the first server, where the request for issuance includes a payment account number and an amount of the issuance;

The first server is further configured to freeze the funds corresponding to the issuing amount of the payment account, and if the freezing is successful, generate a credit corresponding to the issuing amount, and return the credit to the first terminal, if the freezing fails Then, an issue failure failure message is generated, and the issue failure failure message is returned to the first terminal.
The system according to claim 10, wherein the first server is further configured to verify whether the credit certificate is consistent with a credit certificate returned to the first terminal, and if so, the amount of the certificate corresponding to the credit certificate Updated to the amount of the issuance amount minus the payment amount.
The system according to claim 14, wherein the first server is further configured to: if the payment voucher sent by the second server is not received within the preset time range, restore the issued amount corresponding to the updated credential The amount of the issuance before the update.