CN101354770B - Use the system and method that five side's protocol realization bank cards pay - Google Patents
Use the system and method that five side's protocol realization bank cards pay Download PDFInfo
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Abstract
The present invention relates to a kind of system and method by using five side's protocol realization bank cards to pay, this system at least includes: consumer end's device, trade company's payment mechanism, payment gateway device, payment platform device, logistics device, apparatus for initializing; The method that five side's protocol realization bank cards pay is used to include: step A: send consumer transaction and receive response message, step B: trade company initiates consumer payment and receives response message, step C: complete the form conversion of payment information, step D: forwarding information between trade company and issuing bank, step E: gather, verify beneficiary's identity information and confirm commodity or service, step F: set up between transaction participant and manage escape way, it is ensured that information verity in transmitting procedure, trackability and integrity.
Description
Technical field
The present invention relates to a kind of computer system, relate more specifically to a kind of Member Name allowing consumer to pass through to be used in trade company or payment platform registration and initiate the method and system of five side's protocol realization bank cards payments.
Background technology
Bank card (magnetic card or smart card) is used to pass through the Internet, telephone network and television network (hereinafter referred to " network ") carry out " online shopping ", it it is current important business activity, consumer can buy from the whole world and centre retailer (hereinafter referred to " trade company ") Anywhere, being determined by the interest of consumer oneself completely. consumer comes the website of trade company, typical case be browse one or more webpage select the commodity to buy or service time. trade company first has to consumer and is registered as its member, and have Member Name and PIN (PIN), by providing on-line payment to complete this transaction for the fund of transaction.
Current on-line payment technology mainly has following several types:
1. non-banking bill payment type:
Non-banking bill payment type adopts consumer at trade company or payment platform or third party's account stored value exactly, therefrom deducts when transaction, it is possible to proceed to fund from bank account; Chinese patent 02123059.5 has given a kind of E-commerce method based on telecommunications account and system, and the method pays mark with SIM, completes in mobile intelligent net.
2. bank account type of payment:
The bank account means of payment is exactly adopt consumer in the fund of bank account, therefrom deducts when transaction; Due to popularizing that bank card uses, therefore, use bank card account to carry out ecommerce and become main flow; Different according to bank card, it is also possible to be divided into magnetic card and intelligent card payment type.
Wherein have based on magnetic card type of payment:
Secure electronic transaction specification SET (SecureElectronicTransaction) mode:
1996, Mastercard, Visa, AmericanExpress international credit card tissue and technology manufacturer IBM formulated SET jointly. SET is a perfect technicism product, and holder, trade company, bank have the certification of digital certificate. SET used RSA safety public key cryptography, there is data confidentiality, data-integrity, source of data identifiability and non-repudiation, be used to protection consumer hold in the Internet payment transaction safety standard. SET is by ElectronicWallet (stored value card), MerchantServer (shop end server), PaymentGateway (payment platform) and CA (certificationAuthority, authentication center) form, they constitute the credit card authorization transaction meeting SET standard on the Internet. The mode of consumer's secrecy provides credit card number and effect duration to trade company, and trade company cannot see that this information, and is only forwarding this information to issuing bank, then the mandate receiving bank completes transaction.
Wherein based on the type of payment of smart card:
Smart card is adopted to substitute magnetic card, breakthrough can be had in the antifalsification and holder's identification of card, Chinese patent 01125140.9 has given a kind of E-commerce method based on smart card and system, the method must use card-reading apparatus and smart card is carried out online treatment, and holder must apply for personal electric certificate and every transaction is digitally signed.
It is as follows to there is shortcoming in existing payment technology:
1. non-banking bill payment technology, consumer can only obtain the business reputation of account service business, and other trade companies not necessarily accept, and are of limited application, and there is also trade company and closes down or maliciously take the risk that money is run away; Secondly, its safety is poor, cannot investigate when being usurped by other people or cheat, and does not associate with true earning people off the net, can be only applied to small amount payment; Finally, it can not realize the various functions of bank card, as authorized, authorized, adjust mandate volume, to consumer credit etc.
2. above-mentioned bank account payment technology, in order to improve the safety of transaction, on consumer end, all add digital certificate process device, therefore too increase the use difficulty of consumer, also limit the range of choice of consumer end simultaneously so that conventional terminal unit such as universal PC, universal telephone equipment all can not directly use, secondly, do not account for dispensing authentication mechanism, do not associate with true earning people off the net, it does not have almsgiving mechanism when strick precaution card number is stolen.
Summary of the invention
The first object of the present invention is to provide a kind of technology, is used in conjunction with equipment such as consumer's general-purpose computer, phone, PDA, uses Member Name by network from trade company's purchase goods or service, and can realize exchanging goods online, the business of additional cost of returning goods, pay.
The second object of the present invention is to provide this technology that need not revise existing bank magnetic stripe card (ISO7811) and payment arrangement standard (ISO8583) and smart card (ISO7816) and payment arrangement (EMV) thereof.
The third object of the present invention is to provide this support bank card and the debit-card account technology for ecommerce.
The fourth object of the present invention is by adopting PKI standard to combine to provide this technology with 5 side's agreements.
The fifth object of the present invention is to provide this technology, and the responsibility thus performing authentication functions has been moved to issuing bank side and logistics side.
The sixth object of the present invention is to be directly connected to escape way by consumer, at payment gateway, Member Name is protected bank card information with the association of corresponding bank card, and improves the efficiency of online online shopping transaction.
The seventh object of the present invention is as one of 5 side's agreements using E-business logistics, and provides the indentification protocol interface between consumption online person and beneficiary off the net.
Advantage of the present invention a part is provided by follow-up description and accompanying drawing, a part can by embodiment provide maybe can pass through the present invention should for knowing.
In order to achieve the above object, the invention provides and use Member Name to realize the system that bank card pays in open network, mainly include following devices:
Consumer end's device, is used for sending consumer transaction and receiving response message;
Trade company's payment mechanism, initiates consumer payment for trade company and receives response message;
Payment gateway device, has been used for the form conversion of payment information;
Payment platform device, for forwarding information between trade company and issuing bank;
Logistics device, is used for verifying beneficiary's identity information and confirming commodity and service;
Apparatus for initializing, for setting up and managing escape way, it is ensured that information verity in transmitting procedure, trackability and integrity between said apparatus.
Further, trade company's payment mechanism also includes:
Trade company's member management device, is used for managing trade company's membership information;
Transaction initiator, for organizing and initiating the payment request information based on Member Name form;
Transaction acceptance device, for receiving and parsing through the payment response information based on Member Name form;
Further, payment gateway device also includes:
Correlator, for setting up and managing incidence relation between Member Name and bank card;
Pay receptor, be used for receiving payment information;
Pay transmitter, be used for sending payment information;
Transcriber, for changing between Member Name form and bank card form payment information.
Further, payment platform device also includes:
Payment platform member management device, for managing payment platform membership information;
Routing manager, for setting up and managing routing address between Member Name and payment gateway;
Signal repeater, for forwarding payment information by routing address.
Also further, logistics device also includes:
Delivery management device, is used for managing member's distribution information;
Identity information validator, is used for gathering and verify beneficiary's identity information;
Dispensing device, confirms dispensing commodity or service for consumer;
Again still further, apparatus for initializing also includes:
Register device, register information for transmission, after success response information is registered in reception, enter duty;
Marker, for filling transmitting terminal mark to sent information;
Register manager, for transmitting terminal identity legitimacy is managed;
Identity verification device, for according to transmitting terminal identity verification information verity, trackability and integrity.
Sign-out device, in verification Transaction Information success backed off after random duty.
More further, transaction initiator also includes:
Pre-authorization initiator, is that repeatedly transaction acquisition issuing bank side from now on tenders guarantee or approves for trade company;
Authorizing initiator, the transaction acquisition issuing bank side being current for trade company tenders guarantee or approves;
Payment completes initiator, for trade company after confirming that consumer has accepted commodity or service, and real deduction consumer bank's card account transaction fund;
Commodity confirm initiator, confirm purchased commodity or service for consumer to logistics facility or trade company;
Adjusting initiator, for changing tradable commodity or service because of consumer, when causing former mandate insufficient in amount, trade company obtains issuing bank's expansion and authorizes the amount of money;
Cancelling initiator, for Cancelling Transaction because of consumer, trade company obtains issuing bank and cancels former guarantee or accreditation;
Rushing positive initiator, for because of time-out of concluding the business, trade company obtains issuing bank and former transaction is rushed flat account;
Sell initiator, obtain issuing bank for trade company and provide, for current transaction, accreditation of directly withholing;
Clearing initiator, collects a collection of Successful Transaction amount of money be sent to issuing bank for trade company, it is thus achieved that issuing bank pays the bill.
The present invention also provides for using Member Name to realize the method that bank card pays in open network, and it comprises the following steps:
Step A: send consumer transaction and receive response message;
Step B: trade company initiates consumer payment and receives response message;
Step C: complete the form conversion of payment information;
Step D: forwarding information between trade company and issuing bank;
Step E: gather, verify beneficiary's identity information and confirm dispensing commodity or service;
Step F: set up between transaction participant and manage escape way, it is ensured that information verity in transmitting procedure, trackability and integrity.
Wherein said step B also comprises the following steps:
Management trade company membership information;
Organize and initiate based on Member Name form payment request information;
Receive and parse through based on Member Name form payment response information;
Wherein said step C also comprises the following steps:
Set up between Member Name and bank card and manage incidence relation;
Receive payment information;
Send payment information;
Payment information is changed between Member Name form and bank card form.
Wherein said step D also comprises the following steps:
Managing payment platform membership information;
Set up between Member Name and payment gateway and manage routing address;
Payment information is forwarded by routing address.
Wherein said step E also comprises the following steps:
Management member's distribution information;
Gather and verify beneficiary's identity information;
Confirm dispensing commodity or service;
Wherein said step F also comprises the following steps:
Transmission is registered information, enters duty after success response information is registered in reception;
Sent information is filled transmitting terminal mark;
Transmitting terminal identity legitimacy is managed;
According to transmitting terminal identity verification information verity, trackability and integrity;
In verification Transaction Information success backed off after random duty.
Above-mentioned tissue also initiates to farther include based on the step of Member Name form payment request information:
Trade company is that repeatedly transaction acquisition issuing bank side from now on tenders guarantee or approves;
The transaction that trade company is current obtains issuing bank side and tenders guarantee or approve;
Consumer bank's card account transaction fund, after confirming that consumer has accepted commodity or service, is really deducted by trade company;
Consumer confirms purchased commodity or service to logistics facility or trade company;
Change tradable commodity or service because of consumer, when causing former mandate insufficient in amount, trade company obtains issuing bank and expands the mandate amount of money;
Because consumer Cancels Transaction, trade company obtains issuing bank and cancels former guarantee or accreditation;
Because of time-out of concluding the business, trade company obtains issuing bank and former transaction is rushed flat account;
Trade company obtains issuing bank side and provides, for current transaction, accreditation of directly withholing;
Trade company collects a collection of Successful Transaction amount of money be sent to issuing bank, it is thus achieved that issuing bank pays the bill.
The present invention, compared with background technology, has following superiority:
1., by reducing the technical threshold of consumption terminal, simple flow, expand the customer group of ecommerce.
2., by reducing e-commerce technology difficulty, make vast trade company be reduced input, conveniently carry out transaction.
3., by increasing the checking of logistics side, improve the safety of ecommerce, credibility.
4., by Member Name and bank card are associated, leakage bank card information can be avoided in open network,
And complex transaction and the consumptive credit that only bank card just can do can be realized.
5. by using special bank paying gateway, realizing seamless link with existing bank card system, issuing bank is without making transformation to existing system.
6. by using special payment platform, it is possible to easily realize the connection to multi-bank card of many trade companies.
Accompanying drawing explanation
Fig. 1 is the e-commerce environment figure of one embodiment of the invention
Fig. 2 is the e-commerce environment figure of prior art Chinese patent 01125140.9
Fig. 3 is one embodiment of the invention system construction drawing
Tu4Shi one embodiment of the invention trade company payment mechanism cut-away view
Fig. 5 is one embodiment of the invention payment gateway device cut-away view
Fig. 6 is one embodiment of the invention payment platform device cut-away view
Fig. 7 is one embodiment of the invention logistics device cut-away view
Fig. 8 is one embodiment of the invention apparatus for initializing cut-away view
Fig. 9 is the dynamic data authentication flow chart of one embodiment of the invention
Figure 10 is the dynamic data authentication flow chart of prior art Chinese patent 01125140.9
Figure 11 is the online authorization flow figure of one embodiment of the invention;
Figure 12 is the online authorization flow figure of prior art Chinese patent 01125140.9;
Figure 13 is the e-commerce transaction flow chart of one embodiment of the invention
Figure 14 is the e-commerce transaction flow chart of prior art Chinese patent 01125140.9
Detailed description of the invention
The one specifically introducing native system below in conjunction with Fig. 1 to 14 realizes method, and the method is not uniquely realize method, is intended merely to help reader and understands system and method.
Neng Shi consumer of the present invention is used in the Member Name of trade company or payment platform registration and carries out ecommerce, without transmitting bank card information in a network, thus consumer end is without card-reading apparatus, as long as having keyboard, information communication module, such as customary personal computer, fixed line, mobile phone, PDA, Set Top Box etc.; This is by adopting PKI standard to combine to provide this technology with 5 side's agreements.
Native system has 5 sides to participate in, and they are: consumer, trade company, payment gateway, payment platform, logistics. It is respectively described below below in conjunction with Fig. 1 to Figure 14:
Fig. 1 is the e-commerce environment figure of one embodiment of the invention, wherein 100 represent subscriber card, 105 represent consumer end, and 110 represent network, and 115 represent trade company, 120 represent payment platform, 125 represent payment gateway, and 130 represent issuing bank, and 135 represent logistics, transaction must flow through logistics and confirms just to complete through consumer or its designated beneficiary, to increase the safety of ecommerce.
Fig. 2 is the e-commerce environment figure of prior art Chinese patent 01125140.9, and 200 represent EMV smart card, and 205 represent consumer PC, and 210 represent network, and 215 represent card issuer's gateway, and 220 represent issuing bank, and 225 represent retailer; Wherein consumer end must have card-reading apparatus, and user can only use smart card, also without logistics side.
Fig. 3 is one embodiment of the invention system construction drawing, and 301 represent apparatus for initializing, and 302 represent consumer end's device, and 303 represent trade company's payment mechanism, and 304 represent payment platform device, and 305 represent payment gateway device, and 306 represent logistics device; Wherein consumer end (302), are used for sending consumer transaction information, and it includes but not limited to existing following devices: PC, fixed line, mobile phone, PDA.
Tu4Shi one embodiment of the invention trade company payment mechanism cut-away view, wherein 401 represent trade company's member management device, trade company's member management storehouse table that it is generated by series of parameters forms, these parameters at least include Member Name, PIN (PIN), Real Name, identification card number, contact method, contact address, lead bank etc., wherein PIN can not be read out, and whether the PIN being able to validate only consumer's submission is correct;
402 represent transaction initiator, and it is made up of a series of initiators, including:
Pre-authorization initiator, organizes and initiates a pre-authorization solicited message, is that repeatedly transaction acquisition issuing bank side from now on tenders guarantee or approves for trade company;
Authorizing initiator, organize and initiate an authorization requests information, the transaction acquisition issuing bank side being current for trade company tenders guarantee or approves;
Payment completes initiator, organizes and initiates a pre-authorization or mandate completes solicited message, for trade company after confirming that consumer has accepted commodity or service, and real deduction consumer bank's card account transaction fund;
Commodity confirm initiator, organize and initiate a commodity confirmation request information, confirm purchased commodity or service for consumer to logistics facility or trade company;
Authorizing and adjust initiator, organize and initiate one authorizing adjustment solicited message, for changing tradable commodity or service because of consumer, when causing former mandate insufficient in amount, trade company obtains issuing bank and expands the mandate amount of money;
Cancelling initiator, organize and initiate one and cancel solicited message, for Cancelling Transaction because of consumer, trade company obtains issuing bank and cancels former guarantee or accreditation;
Rushing positive initiator, organize and initiate one and rush positive solicited message, for because of time-out of concluding the business, trade company obtains issuing bank and former transaction is rushed flat account;
Sell initiator, organize and initiate a marketing request information, obtain issuing bank side for trade company and provide, for current transaction, accreditation of directly withholing;
Clearing initiator, organizes and initiates a settlement request information, for trade company, a collection of Successful Transaction amount of money collected and is sent to issuing bank, it is thus achieved that issuing bank pays the bill;
The implementation of above-mentioned payment information can adopt SSL coding protocol, it would however also be possible to employ ASN.1-AbstractSyntaxNotaion, abstract syntax expression, ISO/IEC8824-1,8824-2, and the document of 8824-3 and 8824-4 has the explanation of 1995 editions ASN.1; Can also adopting DER-DistinguishedEncodingRules, diacritic coding rule supports unambiguous coded method, and ISO/IEC8825-1 document describes the DER of nineteen ninety-five version; ISO8583.1993, a kind of message exchange standard relevant to card trading can be adopted again, be widely used in existing payment system.
403 represent transaction acceptance device, receive the response message that issuing bank sends, and press the information format resolving information content adopted.
Fig. 5 is one embodiment of the invention payment gateway device cut-away view, and wherein 501 represent and pay receptor, and for the information receiving payment platform or issuing bank sends, this information includes Member Name form and bank card form; 502 represent binder, and the binding management storehouse table that it is generated by series of parameters forms, and these parameters at least include Member Name, bank card number, Real Name, identification card number, contact method, contact address etc.; 503 represent transcriber, the information of Member Name form is converted to bank card format information, bank card format information is converted to Member Name form; 504 represent payment transmitter, and the bank card format information after conversion is sent to issuing bank, and the Member Name format information after conversion is sent to payment platform.
Fig. 6 is one embodiment of the invention payment platform device cut-away view, wherein 601 represent payment platform member management device, the payment platform member management storehouse table that it is generated by series of parameters forms, and these parameters at least include Member Name, PIN (PIN), Real Name, identification card number, contact method, contact address etc.; 602 represent routing manager, and the routing address management storehouse table that it is generated by series of parameters forms, and these parameters at least include Member Name, issuing bank's line number (BIN), routing address; 603 represent signal repeater, forward payment information respective pay gateway by the routing address of Member Name, then receive its response message hairpinning location.
Fig. 7 is one embodiment of the invention logistics device cut-away view, wherein 701 represent delivery management device, the delivery management storehouse table that it is generated by series of parameters forms, these parameters at least include Member Name, Real Name, designated beneficiary's name, types of identity documents and number, contact method, dispensing address, distribution time etc.; 702 represent identity information validator, it is possible to be manual verification, it is also possible to be that machine is verified automatically, such as second-generation ID card reader, passport bar code scan instrument, it is also possible to be member card reader etc., the information obtained from reader and the Information Authentication in delivery management device; 703 represent dispensing device, it can be artificial dispensing, it can also be machine dispensing, such as it is arranged on the voucher printing terminal at scene, it is also possible to be the information delivery network with identification capability, such as Personal Handyphone System, GSM, the mobile communication networks such as CDMA, TD-CDMA, user accepts and confirms that being only dispensing completes.
Fig. 8 is one embodiment of the invention apparatus for initializing cut-away view, wherein 801 represent device of registering, implementation can be that trade company's payment mechanism is registered to payment platform device or payment gateway device, also include logistics device to register to trade company's payment mechanism or payment platform device, after obtaining positive response, entering duty, the information of registering includes trade company or logistics facility digital certificates, register time, random number etc.; 802 represent and register manager, and implementation is to receive, at trade company's payment mechanism or payment platform device or payment gateway device, information of registering, and verifies transmitting terminal digital certificates, and record is registered the time, provides the response of positive or negative; 803 represent marker, implementation is: load identification code in the information when sending, such as based on Member Name and PIN, or the message authentication code (MAC) based on message information, this technology is defined by ISO8583, it would however also be possible to employ based on digital signature and the Digital Envelope Technology of PKCS#1 or PKCS#5 or PKCS#7 standard; 804 represent identity verification device, and implementation is supporting with the method for marker, by verifying this mark, it is determined that whether this information meets verity, integrity, trackability; 805 sign-out devices, implementation is: logistics device sends when order of classes or grades at school transaction summary information to trade company's payment mechanism, trade company's payment mechanism sends when order of classes or grades at school transaction summary information to payment platform device or payment gateway device again, after obtaining positive response, terminates the work of this order of classes or grades at school; If positive response can not be obtained it is necessary to send when the managing detailed catalogue of order of classes or grades at school transaction, until obtaining positive response.
Fig. 9 is the dynamic data authentication flow chart of one embodiment of the invention, wherein step 901 consumer sends the data to verify to trade company, when sending Transaction Information, fill the mark of oneself, this mark can be digital signature, it is also possible to PIN (PIN), when wherein sending transaction request by telephone device, its PIN (PIN) adopts inputting method, to avoid merchant business employee to touch; Step 902 trade company to verify Data Identification trade company signature, be sent to payment gateway, payment gateway checking signature after be then forwarded to issuing bank; After step 903 payment gateway obtains bank's response, the signature marking oneself is sent to trade company; The data to verify are sent to logistics in step 904 trade company; Submit to the data to verify to consumer in step 905 logistics; The response of positive or negative is provided in step 906 consumer; The response of positive or negative is submitted in step 907 logistics; Submit to the information of positive or negative to consumer in step 908 trade company.
Figure 10 is the dynamic data authentication flow chart of prior art Chinese patent 01125140.9, and in step 1006,1007 retailers are sent to smart card by consumer PC the data to verify and are digitally signed; By consumer PC, the data signed through smart card are sent to the bank of issue are verified in step 1008,1009 consumers, obtain the response of positive or negative in step 1010.
Figure 11 is the online authorization flow figure of one embodiment of the invention, in step 1101, consumer initiates transaction request to trade company, the authorization requests to payment gateway sponsor member's name format in step 1102 trade company, in step 1103 payment gateway, the authorization requests of this Member Name form is converted to the authorization requests of bank card form, it is sent to issuing bank, the authorization response of bank card form is beamed back in step 1104 issuing bank, in step 1105 payment gateway, the response of this bank card form is converted to Member Name form and be transmitted to trade company, in 1106 trade companies according to whether this response is authorized, whether response consumer strikes a bargain, it is put into step 1107 trade company if struck a bargain and pays commodity or information on services to logistics, customer identification is verified in step 1108 logistics, in step 1109 logistics after checking customer identification is correct, consumer is wanted to confirm or deny commodity or service, submit the confirmation of consumer to trade company in step 1110 logistics or deny voucher, request is completed to the mandate of payment gateway sponsor member's name format in step 1111 trade company, the mandate mandate of this Member Name form being completed to ask to convert bank card form in step 1112 payment gateway completes request, it is sent to issuing bank, the mandate beaming back bank card form in step 1113 issuing bank completes response, in step 1114 payment gateway, the response of this bank card form is converted to Member Name form and be transmitted to trade company.
Figure 12 is the online authorization flow figure of prior art Chinese patent 01125140.9, in step 1230a smart card, transaction authorization request information is signed, in step 1230b, this information is sent to publisher's gateway and the bank of issue by consumer PC, checking data (authorization response) is beamed back by publisher's gateway in the step 1231a bank of issue, in step 1231b, these checking data are mail to smart card by consumer PC, after step 1232a and 1232b smart card are to this data signature, these checking data are mail to retailer together with merchandise news, in step 1232c retailer, these data are mail to Huo Kuan bank, obtain transaction fund, data are sent to the bank of issue in step 1232d Huo Kuan bank, settle accounts this transaction fund.
Figure 13 is the e-commerce transaction flow chart of one embodiment of the invention, in step 1301 consumer to trade company's sponsor member's title and PIN (PIN) application for registration, in step 1302, trade company responds this application, can be all obtain certainly as long as no the Member Name repeated, a sets of numbers can also be distributed as Member Name by trade company, PIN can be User Defined, it is also possible to be trade company's specific length, then the set of number being set by the user; Send, to trade company, application of registering in step 1303 logistics, receiving after trade company provides positive response in step 1304 logistics, initially enter duty, in step 1305, trade company registers to payment platform, in step 1306 trade company after obtaining positive response, initially enter duty; Send Member Name and bank card binding application in step 1307 consumer to payment gateway, after the legitimacy verifying its application, provide the response of positive or negative in step 1308 payment gateway;
In step 1309, consumer initiates transaction request to trade company, organize in step 1310 trade company and initiate the transaction request of Member Name form, this transaction request can be different type of transaction according to commodity difference, and only when without the commodity of dispensing or service, being only disappears sells type of transaction, such as down-load music on the spot, video, software etc., it is necessary to the commodity of dispensing are all authorized transactions types, when one sub-authorization is for repeatedly concluding the business, just initiate pre-authorization transaction; Forward this transaction request to corresponding payment gateway in step 1311 payment platform according to routing address, payment gateway translates this information into bank card form and is sent to issuing bank, without corresponding bank card information, just terminate transaction, respond the information of Fail Transaction; In step 1312 payment gateway, the response message of issuing bank is converted to Member Name form back to payment platform, forward this information to corresponding trade company in step 1313 payment platform according to former transaction address or link; The result according to this its positive or negative of information analysis in step 1314 trade company, back to consumer;
In step 1315 consumer when obtaining the commodity authorized or service has not also been provided and delivered, require to change commodity or service, and the value of new commodity or service is higher than former commodity or value of services, organize in step 1316 trade company and initiate the adjustment transaction request of Member Name form to payment platform, the amount of money adjusting transaction is value added, forward this transaction to corresponding payment gateway in step 1317 payment platform according to routing address, payment gateway translates this information into bank card form and is sent to issuing bank, the response message of issuing bank is received in step 1318 payment gateway, and convert Member Name form to back to payment platform, forward this information to corresponding trade company in step 1319 payment platform according to former transaction address or link, the result according to this its positive or negative of information analysis in step 1320 trade company, back to consumer,
In step 1321 consumer when obtaining the commodity authorized or service has not also been provided and delivered, require to cancel these commodity or service, in step 1322 trade company according to whether collect return of goods expense, organize and initiate Member Name form mandate and complete transaction or cancel transaction to payment platform, and having authorized dealing money is return of goods expense, forward this transaction to corresponding payment gateway in step 1323 payment platform according to routing address, payment gateway translates this information into bank card form and is sent to issuing bank, receive issuing bank's response message in step 1324 payment gateway and convert it to Member Name form back to payment platform, forward this information to corresponding trade company in step 1325 payment platform according to former transaction address or link, submit to response results information to consumer in step 1326 trade company,
Submit to distribution information to logistics in step 1327 trade company, in step 1328 logistics collection and verify consumer identification information, step 1329 is entered after being proved to be successful, consumer or its designated beneficiary confirm commodity or service, submit to dispensing response message to trade company in step 1330 logistics, it is possible to be the response of positive or negative, in step 1331 trade company after receiving dispensing successful information, organizing and initiate mandate or pre-authorization completes transaction, having paid the amount of money is successfully provide and deliver commodity or value of services; Trade company is after any once transaction initiation, (can set according to the line conditions to payment gateway within the time specified, it is generally tens of second) do not receive response message, just tissue is initiated to rush and is just concluded the business, the amount of money that punching is just being concluded the business is exactly former dealing money, process according to the mode of former transaction, until trade company receives punching just successfully response message, be further continued for initiating former transaction; Three punchings can be initiated continuously just conclude the business, if three punchings are just being concluded the business and all failed at the appointed time to receive response message, just suspend the transaction of this payment gateway, and give a warning information to system; Forward this transaction to corresponding payment gateway in step 1332 payment platform according to routing address, payment gateway translates this information into bank card form and is sent to issuing bank, receive issuing bank's response message in step 1333 payment gateway and convert it to Member Name form back to payment platform, forwarding this information to corresponding trade company in step 1334 payment platform according to former transaction address or link.
Settlement bargain request is initiated to payment platform in step 1335 trade company, send from the complete transaction total value since the time of registering to payment platform, forward this transaction to corresponding payment gateway in step 1336 payment platform according to routing address, payment gateway translates this information into bank card form and is sent to issuing bank, receive issuing bank's response message in step 1337 payment gateway and convert it to Member Name form back to payment platform, forwarding this information to corresponding trade company in step 1338 payment platform according to former transaction address or link; If trade company receives the response message of negative, send from the complete transaction since the time of registering detailed to payment platform, until receiving successful response message.
Figure 14 is the e-commerce transaction flow chart of prior art Chinese patent 01125140.9, " purchase " instruction is sent by consumer device to retailer in step 1400 consumer, encryption key requests is sent to the bank of issue in step 1401 consumer device, encryption key response and oneself proof of identification is provided in step 1402 bank of issue, in step 1405 retailer with " purchase " amount of money to purse initialised, and provide the proof of identification of oneself, in step 1410 smart card, transaction data is signed, the bank of issue is submitted to together with consumer ID and EMV data, in step 1415, the bank of issue provides response data, sign including the bank of issue authorization mark, oneself proof of identification, IAD or IS, the bank of issue is forwarded to sign authorization mark and TC or ISR in step 1420 consumer device, record the bank of issue in step 725 retailer to have signed authorization mark, collect dealing money and send to Huo Kuan bank, charge amount is sent to the bank of issue in step 1430 Huo Kuan bank, sign authorization mark in the step 1435 Huo Kuan banker's record bank of issue, response transaction amount of money total amount.
It is above a kind of general implementation, the technical staff of colleague is on the basis understanding the principle of the invention, it is possible to develops and multiple implementation, for instance Member Name is arranged into member's card number, further member card and bank card can also be made the same card, it is simply that joint name card; Payment platform is option, and a trade company can only conclude the business with one or Liang Jia bank, just need not build payment platform; Payment platform and payment gateway can also be merged one; Member Name can by consumer to payment platform application, more general in all trade companies; If what sell is electronic passenger ticket, consumer gets the behavior of reimbursement voucher or boarding card and has provided and delivered exactly on airport; If what sell is hotel guest room, it is exactly that dispensing completes that consumer moves in, and is all protection scope of the present invention.
Claims (6)
1. use the system that five side's protocol realization bank cards pay, it is characterised in that including:
Consumer end's device, is used for sending consumer transaction and receiving response message, including: PC, fixed line, mobile phone, PDA, Set Top Box;
Trade company's payment mechanism, initiates consumer payment for trade company and receives response message, including: trade company's member management device, it is used for managing trade company's membership information; Transaction initiator, for organizing and initiating the payment request information based on Member Name form; Transaction acceptance device, for receiving and parsing through the payment response information based on Member Name form;
Payment platform device, for forwarding information between trade company and issuing bank, comprises: payment platform member management device, for managing payment platform membership information; Routing manager, for setting up and managing routing address between Member Name and payment gateway; Signal repeater, for forwarding payment information by routing address;
Payment gateway device, has been used for the form conversion of payment information, has comprised: correlator, for setting up between Member Name and bank card and managing incidence relation; Pay receptor, be used for receiving payment information; Pay transmitter, be used for sending payment information; Transcriber, for changing between Member Name form and bank card form payment information;
Logistics device, is used for gathering, verifying beneficiary's identity information and confirm commodity or service, comprises: delivery management device, for managing the distribution information under Member Name item; Identity information validator, is used for gathering and verify beneficiary's identity information; Dispensing device, confirms commodity or service for consumer;
Apparatus for initializing, for setting up and managing escape way, it is ensured that information verity in transmitting procedure, trackability and integrity between said apparatus.
2. the system as claimed in claim 1, it is characterised in that described apparatus for initializing comprises:
Register device, for sending, by network, information of registering, after success response information is registered in reception, enter duty; Marker, for filling transmitting terminal mark to sent information; Register manager, for transmitting terminal identity legitimacy is managed; Identity verification device, for according to identity verification information verity, trackability and integrity; Sign-out device, in verification Transaction Information success backed off after random duty.
3. the system as claimed in claim 1, it is characterised in that described transaction initiator comprises:
Pre-authorization initiator, is that repeatedly transaction acquisition issuing bank side from now on tenders guarantee or approves for trade company's payment mechanism; Authorizing initiator, the transaction acquisition issuing bank side being current for trade company tenders guarantee or approves; Payment completes initiator, for trade company after confirming that consumer has accepted commodity or service, and real deduction consumer bank's card account transaction fund; Commodity confirm initiator, confirm purchased commodity or service for consumer to logistics facility or trade company; Adjusting initiator, for changing tradable commodity or service because of consumer, when causing former mandate insufficient in amount, trade company obtains issuing bank's expansion and authorizes the amount of money; Cancelling initiator, for Cancelling Transaction because of consumer, trade company obtains issuing bank and cancels former guarantee or accreditation; Rushing positive initiator, for because of time-out of concluding the business, trade company obtains issuing bank and former transaction is rushed flat account; Sell initiator, obtain issuing bank for trade company and provide, for current transaction, accreditation of directly withholing; Clearing initiator, collects a collection of Successful Transaction amount of money be sent to issuing bank for trade company, it is thus achieved that issuing bank pays the bill.
4. one kind uses the system described in claim 1 to realize the method that bank card pays, it is characterised in that comprise the following steps:
Step A: send consumer transaction and receive response message; Wherein consumer sends the data to verify to trade company, when sending Transaction Information, fill the identifying code of oneself, this identifying code can be digital signature, can also be PIN PIN, when wherein sending transaction request by telephone device, its PIN adopts inputting method, to avoid merchant business employee to touch;
Step B: trade company initiates consumer payment and receives response message; This step comprises the following steps: management trade company membership information; Organize and initiate the payment request information based on Member Name form; Receive and parse through the payment response information based on Member Name form;
Step C: forwarding information between trade company and issuing bank; This step comprises the following steps: managing payment platform membership information; Set up between Member Name and payment gateway and manage routing address; Payment information is forwarded by routing address;
Step D: complete the form conversion of payment information; This step comprises the following steps: set up between Member Name and bank card and manage incidence relation; Receive payment information; Send payment information; Payment information is changed between Member Name form and bank card form;
Step E: gather, verify beneficiary's identity information and confirm commodity or service; This step comprises the following steps: management member's distribution information; Gather and verify beneficiary's identity information; Consumer confirms commodity or service;
Step F: set up between transaction participant and manage escape way, it is ensured that information verity in transmitting procedure, trackability and integrity.
5. method as claimed in claim 4, it is characterised in that described step F comprises the following steps:
Transmission is registered information, after success response information is registered in reception, enters duty; Sent information is filled transmitting terminal mark; Transmitting terminal identity legitimacy is managed; According to transmitting terminal identity verification information verity, trackability and integrity; In verification Transaction Information success backed off after random duty.
6. method as claimed in claim 4, it is characterised in that described tissue also initiates to comprise the following steps: that based on the payment request information step of Member Name agreement trade company is that repeatedly transaction acquisition issuing bank side from now on tenders guarantee or approves; The transaction that trade company is current obtains issuing bank side and tenders guarantee or approve; Consumer bank's card account transaction fund, after confirming that consumer has accepted commodity or service, is really deducted by trade company; Consumer confirms purchased commodity or service to logistics facility or trade company; Change tradable commodity or service because of consumer, when causing former mandate insufficient in amount, trade company obtains issuing bank and expands the mandate amount of money; Because consumer Cancels Transaction, trade company obtains issuing bank and cancels former guarantee or accreditation; Because of time-out of concluding the business, trade company obtains issuing bank and former transaction is rushed flat account; Trade company obtains issuing bank and provides, for current transaction, accreditation of directly withholing; Trade company collects a collection of Successful Transaction amount of money be sent to issuing bank, it is thus achieved that issuing bank pays the bill.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810087387.3A CN101354770B (en) | 2007-03-23 | 2008-03-24 | Use the system and method that five side's protocol realization bank cards pay |
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2007100272612 | 2007-03-23 | ||
| CNA2007100272612A CN101071490A (en) | 2007-03-23 | 2007-03-23 | Member name and bank card binding electronic business system and method |
| CN200710027261.2 | 2007-03-23 | ||
| CN200810087387.3A CN101354770B (en) | 2007-03-23 | 2008-03-24 | Use the system and method that five side's protocol realization bank cards pay |
Publications (2)
| Publication Number | Publication Date |
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| CN101354770A CN101354770A (en) | 2009-01-28 |
| CN101354770B true CN101354770B (en) | 2016-06-01 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA2007100272612A Pending CN101071490A (en) | 2007-03-23 | 2007-03-23 | Member name and bank card binding electronic business system and method |
| CN200810087387.3A Active CN101354770B (en) | 2007-03-23 | 2008-03-24 | Use the system and method that five side's protocol realization bank cards pay |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA2007100272612A Pending CN101071490A (en) | 2007-03-23 | 2007-03-23 | Member name and bank card binding electronic business system and method |
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| CN (2) | CN101071490A (en) |
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| CN101354770A (en) | 2009-01-28 |
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