WO2016172938A1

WO2016172938A1 - Network transaction refunding method and system

Info

Publication number: WO2016172938A1
Application number: PCT/CN2015/078031
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: CA2986799C; CA2986799A1

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

Online transaction refund method and system

Technical field

The present invention relates to the field of communications technologies, and in particular, to a method and system for refunding network transactions.

Background technique

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.

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.

Summary of the invention

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.

A method for refunding a network transaction, the method being applied to a second server, the method comprising:

Receiving, by the second terminal, a refund request information data packet carrying the transaction serial number;

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;

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.

A method for refunding a network transaction, the method being applied to a first server, the method comprising:

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;

Obtaining funds corresponding to the payment amount in the payment account number paid by the second server;

Transfer the funds to the collection account.

A refund system for network transactions, the system 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. 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.

DRAWINGS

1 is a schematic structural diagram of a refund system for network transactions in an embodiment;

2 is a schematic structural diagram of a refund system for network transactions in another embodiment;

3 is an application scenario diagram of a refund system for network transactions in an embodiment;

4 is a schematic flow chart of a method for refunding a network transaction in an embodiment;

5 is a schematic flow chart of a method for refunding a network transaction in another embodiment;

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

In one embodiment, 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. 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.

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.

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.

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 mapping relationship between transaction serial numbers.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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:

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. In this embodiment, the first server transfers funds to the payment account.

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:

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.

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.

Step 503: Send a payment information data packet to the first server.

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.

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.

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.

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:

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.

Step 602: Acquire a fund corresponding to the payment amount in the payment account number paid by the second server.

In step 603, the funds are transferred to the payment account.

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.

As shown in FIG. 7, in one embodiment, 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.

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:

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.

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:

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.

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.

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 method for refunding a network transaction, the method being applied to a second server, the method comprising:

Receiving, by the second terminal, a refund request information data packet carrying the transaction serial number;

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;

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.
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:

Receiving a payment request information data packet sent by the second terminal and a transaction serial number;

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;

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;

Obtaining the funds paid by the first server, and transferring the funds into a preset collection account;

Establish a collection account and the mapping between the payment amount and the transaction serial number.
The method of claim 2, wherein the method further comprises:

Receiving a promised payment message generated after the funds sent by the first server successfully freeze the payment amount;

Sending the promised payment message to the second terminal, and the second terminal generates the delivery prompt information according to the promised payment message.
A method for refunding a network transaction, the method being applied to a first server, the method comprising:

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;

Obtaining funds corresponding to the payment amount in the payment account number paid by the second server;

Transfer the funds to the collection account.
The method according to claim 4, further comprising: after the step of transferring the funds into the payment account, further comprising:

A refund success message is generated and the refund success message is sent to the first terminal.
The method of claim 4, further comprising:

Receiving a payment request information data packet sent by the second server and a transaction serial number;

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;

Receiving a payment information data packet sent by the second server;

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;

Establish a payment account and the mapping between the payment amount and the transaction serial number.
A refund system for network transactions, characterized in that the system comprises:

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 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;

The first terminal is configured to receive the refund success message sent by the first server.
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;

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;

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;

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;

The second server is further configured to send a payment information data packet to the first server;

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;

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.
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;

The second server is further configured to send the committed payment message to the second terminal;

The second terminal is further configured to generate delivery prompt information according to the committed payment message.