CN105474243A - Online payment system and online payment system-based social networking platform construction method - Google Patents
Online payment system and online payment system-based social networking platform construction method Download PDFInfo
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- CN105474243A CN105474243A CN201480003222.7A CN201480003222A CN105474243A CN 105474243 A CN105474243 A CN 105474243A CN 201480003222 A CN201480003222 A CN 201480003222A CN 105474243 A CN105474243 A CN 105474243A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/384—Payment protocols; Details thereof using social networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G06—COMPUTING; CALCULATING OR COUNTING
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Abstract
Disclosed are an online payment system and an online payment system-based social networking platform construction method, belonging to the technical field of Internet payment. The online payment system comprises a first bank server providing a paying party bank account, a second bank server providing a receiving party bank account, and an online payment platform. The online payment system-based social networking platform construction method comprises the following steps: S1) a payment transaction record is generated according to a completed payment transaction; S2) user information including paying party basic information and receiving party basic information is extracted from the payment transaction record, and a social networking platform used for information exchange and sharing between different users is constructed on the basis of the user information. The online payment system of the present invention supports an online rapid payment function. The online payment system-based social networking platform of the present invention can promote major development of online payment means.
Description
The invention relates to the technical field of network payment, in particular to an online payment system and a social platform construction method based on the online payment system.
With the rapid development of internet technology, the payment behaviors of users are changing slowly, and people pay more and more frequently through the internet. In order to facilitate online payment behaviors of users, a variety of payment platforms have been developed, such as internet banking and payment treasures of all large banks. The various payment platforms described above may interface with various large banks, provide users with online transfer of funds, and dynamically track the flow of funds between users, or be used to provide a guarantee of the user's payment activities. When the payment process is finished, the payment relationship between the payer and the payee established by the payment is released. That is, in the prior art, each large payment platform focuses on how to provide more and more convenient services for users by using online payment behaviors of the users, and the huge amount of user information related to the online payment behaviors of the users is not effectively utilized.
The technical problem to be solved by the invention is to provide an online payment system and a social platform construction method based on the online payment system, aiming at the defects that in the prior art, each large payment platform focuses on how to provide more and more convenient services for a user by utilizing the online payment behavior of the user, and the huge user information quantity related to the online payment behavior of the user is not effectively utilized.
The technical scheme adopted by the invention for solving the technical problems is as follows: constructing an online payment system, wherein the online payment system comprises a first bank server for providing bank account information of a payer, a second bank server for providing bank account information of a payee and an online payment platform;
the online payment platform generates electronic money with the same amount as the payment amount when receiving a payment request containing the information of a payer bank account, the information of a payee bank account and the payment amount, and sends payment prompt information containing the electronic money and the information of the payee bank account to a first bank server providing the payer bank account;
the first bank server is used for extracting the electronic money in the payment prompt information and distributing the electronic money to a second bank server providing the bank account of the payee when receiving the payment prompt information;
the online payment platform is used for collecting user information of a payer and a payee who finish online payment through the online payment system, and constructing a social platform for information interaction and sharing among multiple users according to the collected user information.
In the above online payment system of the present invention, the online payment platform includes:
the wireless communication module is used for executing signal transceiving work among the at least one first bank server, the online payment platform and the at least one second bank server;
the control module is used for generating electronic money with the same amount as the payment amount when receiving an online payment request containing the information of a payer bank account, the information of a payee bank account and the payment amount through the wireless communication module, and instructing a first bank server providing the payer bank account to transfer the electronic money to a second bank server providing the payee bank account;
the database is used for storing registration information of users who have opened the quick payment service;
a transaction record generating module, configured to read user registration information of a payer and a payee related to a payment transaction in the database when the payer and the payee complete the payment transaction through the online payment system, generate a payment transaction record according to the user registration information of the payer, the user registration information of the payee, and a payment amount of the payment transaction, and store the payment transaction record in the database;
the social platform building module is used for searching each payment transaction record in the database, extracting one piece of user information containing the basic information of the payer and the basic information of the payee in each payment transaction record, and building a cross-domain social platform for information interaction and sharing among multiple users according to the extracted pieces of user information.
The invention also constructs a social platform construction method based on the online payment system, the online payment system comprises a first bank server for providing bank account information of a payer, a second bank server for providing bank account information of a payee and an online payment platform, and the method comprises the following steps:
s1) the online payment platform generates a payment transaction record according to an online payment transaction completed by the online payment system;
s2), the online payment platform reads the user information containing the basic information of the payer and the basic information of the payee in the payment transaction record, and a social platform for information interaction and sharing among multiple users is constructed based on the user information.
In the social platform building method based on the online payment system of the present invention, before the step S1, the method further includes the following steps:
s01) recording the registration information of the user with the opened quick payment service on the online payment platform, and storing the user registration information in a database.
In the social platform building method based on the online payment system according to the present invention, the following steps are further included between the step S01 and the step S1:
s011), the online payment platform carries out security verification on the login operation of the payer.
In the above method for constructing a social platform based on an online payment system of the present invention, the step of generating a payment transaction record by the online payment platform according to an online payment transaction completed by the online payment system in step S1 includes:
s11), when the online payment platform receives a payment request of an amount submitted by a payer, instructing a first bank server providing a bank account of the payer to execute the transfer operation of the fund to a second bank server providing a bank account of a payee;
s12), when the online payment platform receives the prompt information of successful fund payment sent back by the first bank server, the online payment platform reads the registration information of the payer and the payee involved in the payment transaction from the database, and generates a payment transaction record according to the registration information of the payer, the registration information of the payee and the payment amount of the payment transaction.
In the social platform building method based on the online payment system according to the present invention, the following steps are further included between the step S11 and the step S12:
s111) the online payment platform instructs the first bank server to stop executing the transfer operation of the fund when receiving the payment request for canceling the fund submitted by the payer within the preset time after sending the fund transfer request to the first bank server.
In the social platform building method based on the online payment system of the present invention, the step S12 further includes: and the online payment platform extracts the payer basic information and the payee basic information in each payment transaction record generated by the online payment platform to obtain a plurality of groups of user information.
In the social platform building method based on the online payment system of the present invention, the step S2 further includes the following steps: the online payment platform integrates the extracted multiple groups of user information with original user information in a social platform constructed by the online payment platform to enlarge the user group scale of the social platform and gradually form a cross-domain social platform for information interaction and sharing among multiple users.
In the social platform building method based on the online payment system of the present invention, after the step S2, the method further includes the following steps:
s3) monitoring whether new published information is generated on the cross-domain social platform, determining an information source user of the new published information and all other users establishing social relations with the information source user when the new published information generated on the cross-domain social platform is monitored, searching user registration information of the other users in a database, and pushing page link addresses of the social platform to contact mailboxes in the user registration information;
or monitoring whether new message information is generated on the cross-domain social platform, determining at least one appointed receiving user of the new message information when the new message information generated on the cross-domain social platform is monitored, and pushing the new message information to the at least one appointed receiving user.
Because the online payment system and the social platform construction method based on the online payment system adopt the technical scheme that the online payment platform collects huge user information related to online payment transaction performed by the online payment platform, and constructs a cross-domain social platform for information interaction and sharing among all users around the world according to the collected user information, the online payment system overcomes the defects that in the prior art, all payment platforms focus on how to provide more and more convenient services for the users by using online payment behaviors of the users, and the huge user information quantity related to the online payment behaviors of the users is not effectively utilized, and achieves the following beneficial effects: 1) the online payment system has an online quick payment function and can provide great convenience for online payment behaviors of users; 2) the social platform based on the online payment system provides a platform for mutual communication and information interaction for all users around the world, and promotes the great development of online payment modes.
FIG. 1 is a schematic diagram of an online payment system according to a preferred embodiment of the present invention;
FIG. 2 is a block diagram of the online payment platform of the online payment system shown in FIG. 1;
FIG. 3 is a flow chart of an online payment method based on an online payment system according to a preferred embodiment of the present invention;
fig. 4 is a flowchart of a social platform construction method based on an online payment system according to a preferred embodiment of the present invention.
In order to solve the problem that various payment platforms existing in the prior art focus on: how to provide more and more convenient services for users by using online payment behaviors of users, and the defect that huge user information amount related to the online payment behaviors of users is not effectively utilized, the invention has the innovation points that: 1) The user can open a plurality of different electronic bank accounts through the online payment platform 200, and the online payment platform 200 can perfectly support online quick transfer service of funds of the same bank or across banks; 2) The online payment platform 200 of the invention supports the online payment cancellation function, and the user can stop the bank fund transfer service within a certain time through the online payment platform 200; 3) The online payment platform 200 can continuously collect user information related to online payment behaviors performed through the online payment system, and a cross-domain social platform for information interaction and sharing among users around the world is constructed according to the collected huge user information.
Because the invention adopts the design that the huge user information related to the online payment transaction carried out by the online payment platform 200 is collected by the online payment platform, and a cross-domain social platform used for information interaction and sharing among all users around the world is constructed according to the collected user information, the technical problems that various payment platforms are mainly used for tracking the online payment behavior of the user in the prior art, and the huge user information quantity related to the online payment behavior of the user is not effectively utilized are solved, and the following purposes are realized: 1) The online payment system has an online quick payment function and a payment cancellation function, and can provide great convenience for online payment behaviors of users; 2) The social platform based on the online payment system provides a platform for mutual communication and information interaction for all users around the world, and promotes the great development of online payment modes.
In order to make the purpose of the present invention more apparent, the present invention will be described in further detail with reference to the accompanying drawings and examples. It should be 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, the online payment system of the present invention includes at least one first bank server 100 corresponding to at least one payer user account, an online payment platform 200 establishing wireless communication with the at least one first bank server 100, and at least one second bank server 300 establishing wireless communication with the at least one first bank server 100 and the online payment platform 200.
The online payment platform 200 is configured to send payment prompt information including a payment amount and payee user account information to the first bank server 100 corresponding to the payer bank account when receiving a payment request including payer bank account information, payee bank account information, and payment amount.
The first bank server 100 is configured to, when receiving the payment prompting message, transfer the electronic money with the payment amount in the payment prompting message from the first bank server 100 corresponding to the payer bank account to the second bank server 300 corresponding to the payee bank account.
The online payment platform 200 is further configured to instruct the first bank server 100 to stop the transfer operation of the funds when a payment request submitted by a user to cancel the funds is received within a preset time T when the request for transferring the funds is issued to the first bank server 100.
The online payment platform 200 is further configured to collect user information of a payer and a payee who complete online payment via the online payment system, and construct a social platform for information interaction and sharing among multiple users according to the collected user information.
As shown in fig. 2, the online payment platform 200 of the present invention includes a control module 205, a wireless communication module 201 electrically connected to the control module 205, a transaction record generation module 202, a database 203 and a social platform construction module 204, which are respectively electrically connected to the transaction record generation module 202.
The wireless communication module 201 is used for performing signal transceiving work among the at least one first bank server 100, the online payment platform 200 and the at least one second bank server 300.
The control module 205 is configured to instruct the first bank server 100 corresponding to the payer bank account to execute the transfer transaction of the fund to the second bank server 300 corresponding to the payee bank account when receiving a payment request including the payer bank account information, the payee bank account information, and the payment amount;
the database 203 is used for storing the registration information (including name, address, telephone, zip code, id card, mailbox, login account and login password of the online payment platform 200, and at least one valid user account information) of the depositor who has opened the quick payment service.
The transaction record generating module 202 is configured to read registration information of a payer and a payee related to a payment transaction from the database 203 when a certain payer/payee completes the payment transaction through the online payment system of the present invention, generate a payment transaction record according to the payer user registration information, the payee user registration information, and the payment amount of the payment transaction, and store the payment transaction record in the database 203.
The social platform establishing module 204 is configured to search each payment transaction record in the database 203, extract a group of user information including the payer basic information and the payee basic information in each payment transaction record, and establish a social platform for information interaction and sharing among multiple users according to the extracted groups of user information.
In the present invention, the wireless communication module 201 may be an existing server wireless network card. The control module 205, the transaction record generation module 202, and the social platform construction module 204 may be existing server CPUs.
The flow of the online payment method based on the online payment system of the present invention will be described below by taking a preferred embodiment of the present invention as an example:
as shown in fig. 3, in step S101, in order to transact the quick payment service, the user opens a registration interface of the online payment platform 200, and performs a registration operation on the registration interface. The online payment platform 200 records the registration information of each user and stores the recorded user information in the database 203.
In step S102, the payer needs to perform an online payment transaction (e.g., online payment, recharging, and repayment of the goods), and logs in the online payment platform 200 according to the account and the password applied by the online payment platform 200. The online payment platform 200 performs security verification on the login operation of the payer, and receives a payment request including a payer user account, a payee user account, and a payment amount submitted by the payer.
In step S103, the online payment platform 200 sends payment prompting information including the bank account of the payee and the payment amount to the first bank server 100 corresponding to the bank account of the payer according to the payment request.
In step S104, when the first bank server 100 receives the payment instruction information, the electronic money of the amount equal to the payment amount in the payment instruction information is transferred from the first bank server 100 to the second bank server 300 corresponding to the bank account of the receiver.
In step S105, if the payer submits the payment request for canceling the fund through the online payment platform 200 and the submission time of the payment request for canceling the fund does not exceed the preset time T (i.e. 24H), the next step S106 is executed; if the payer submits a payment request for canceling the fund through the online payment platform 200 and the submission time of the payment request for canceling the fund exceeds the preset time T (i.e., 24H), the next step S107 is performed.
In step S106, when the online payment platform 200 receives the payment request for canceling the fund, the first bank server 100 is instructed to terminate the electronic money transfer operation equal to the fund.
In step S107, the money transfer operation performed by the first bank server 100 is validated, and the second bank server 300 receives the money and sends a prompt message indicating that the money payment is successful to the first bank server 100. The first bank server 100 receives the prompt message of successful fund payment and transmits the prompt message of successful fund payment back to the online payment platform 200.
The following describes the flow of the social platform construction method based on the online payment system according to the present invention, by taking a preferred embodiment of the present invention as an example:
as shown in fig. 4, in step S108, the online payment platform 200 receives a prompt message that the payment of any fund returned by the first bank server 100 is successful through the wireless communication module 201.
In step S109, the transaction record generating module 202 searches the database 203 for the user registration information of the payer/payee involved in the fund transaction, and generates a payment transaction record according to the user registration information of the payer, the user registration information of the payee, and the payment amount.
In step S110, the social platform building module 204 extracts a group of user information including the basic information of the payer and the basic information of the payee in the payment transaction record, and builds an initial social platform for information interaction and sharing between the payer and the payee according to the group of user information.
In step S111, when the online payment platform 200 receives another prompt message of successful fund payment sent back by the first bank server 100 through the wireless communication module 201, the next step S113 is executed; otherwise, no operation is performed.
In step S113, the payment transaction generating module searches the user registration information of the payer/payee related to the payment transaction in the database 203, and generates a new payment transaction record according to the user registration information of the payer, the user registration information of the payee, and the payment amount.
In step S114, the social platform building module 204 extracts new user information including the payer basic information and the payee basic information in the new payment transaction record, and integrates the new user information with the original user information in the social platform, so as to expand the existing user group of the social platform. The social platform building module 204 continuously integrates the obtained new user information with the original user information in the social platform, and gradually forms a cross-domain social platform for information interaction and sharing among multiple users. And jumping to the step S111 after the step S114 is finished.
In step S115, the online payment platform 200 performs information monitoring work of the cross-domain social platform constructed by the online payment platform.
In step S116, when monitoring new release information generated on the cross-domain social platform, the online payment platform 200 determines an information source user of the information and all other users establishing social relationships with the information source user, searches the user registration information of the other users in the database 203, and pushes page link information crossing the social platform to each contact mailbox in each user registration information.
Or, when monitoring new message information generated on the cross-domain social platform, the online payment platform 200 determines at least one designated receiving user of the new message information, and pushes the new message information to the at least one designated receiving user.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.
Claims (10)
1. An online payment system includes a first bank server (100) providing payer bank account information, a second bank server (300) providing payee bank account information, and an online payment platform (200);
the online payment platform (200) generates electronic money with the same amount as the payment amount when receiving a payment request containing payer bank account information, payee bank account information and the payment amount, and sends payment prompt information containing the electronic money and the payee bank account information to a first bank server (100) providing the payer bank account;
the first bank server (100) is used for extracting the electronic money in the payment prompt information and distributing the electronic money to a second bank server (300) providing the bank account of the payee when receiving the payment prompt information;
the online payment platform (200) is used for collecting user information of a payer and a payee who finish online payment through the online payment system, and constructing a social platform for information interaction and sharing among multiple users according to the collected user information.
An online payment system according to claim 1, wherein the online payment platform (200) comprises:
a wireless communication module (201) for performing signal transceiving work among the at least one first bank server (100), the online payment platform (200) and the at least one second bank server (300);
a control module (205) for generating electronic money equal to the payment amount and instructing a first bank server (100) providing the bank account of the payer to transfer the electronic money to a second bank server (300) providing the bank account of the payee when receiving an online payment request including information of the bank account of the payer, information of the bank account of the payee and the payment amount through the wireless communication module (201);
a database (203) for storing registration information of users who have opened the quick payment service;
a transaction record generating module (202) for reading user registration information of a payer and a payee related to a payment transaction in the database (203) when the payer and the payee complete the payment transaction through the online payment system, generating a payment transaction record according to the user registration information of the payer, the user registration information of the payee and the payment amount of the payment transaction, and storing the payment transaction record in the database (203);
the social platform building module (204) is used for searching each payment transaction record in the database (203), extracting one piece of user information including the payer basic information and the payee basic information in each payment transaction record, and building a cross-domain social platform for information interaction and sharing among multiple users according to the extracted pieces of user information.
A social platform construction method based on an online payment system is characterized in that the online payment system comprises a first bank server (100) providing bank account information of a payer, a second bank server (300) providing bank account information of a payee and an online payment platform (200), and the method comprises the following steps:
s1), the online payment platform (200) generates a payment transaction record according to an online payment transaction completed by the online payment system;
s2), the online payment platform (200) reads the user information containing the basic information of the payer and the basic information of the payee in the payment transaction record, and a social platform for information interaction and sharing among multiple users is constructed based on the user information.
The social platform building method based on the online payment system according to claim 3, further comprising the following steps before the step S1:
s01) recording the registration information of the user with the opened quick payment service on the online payment platform (200), and storing the user registration information in the database (203).
The social platform building method based on online payment system according to claim 4, further comprising the following steps between the step S01 and the step S1:
s011) the online payment platform (200) carries out security verification on the login operation of the payer.
The method for building an online payment system-based social platform according to claim 3, wherein the step of the online payment platform (200) generating a payment transaction record according to an online payment transaction completed by the online payment system in step S1 comprises:
s11), when the online payment platform (200) receives a payment request of an amount submitted by a payer, instructing a first bank server (100) providing a bank account of the payer to perform a transfer operation of the amount to a second bank server (300) providing a bank account of a payee;
s12), when the online payment platform (200) receives the prompt information of successful fund payment sent back by the first bank server (100), the registration information of the payer and the payee involved in the payment transaction is read in the database (203), and a payment transaction record is generated according to the registration information of the payer, the registration information of the payee and the payment amount of the payment transaction.
The social platform building method based on the online payment system according to claim 6, further comprising the following steps between the step S11 and the step S12:
s111) the online payment platform (200) instructs the first bank server (100) to stop executing the transfer operation of the fund when receiving a payment request for canceling the fund submitted by a payer within a preset time after sending the fund transfer request to the first bank server (100).
The social platform building method based on the online payment system as claimed in claim 3, wherein the step S12 further comprises: the online payment platform (200) extracts the payer basic information and the payee basic information in each payment transaction record generated by the online payment platform to obtain a plurality of groups of user information.
The social platform building method based on the online payment system as claimed in claim 8, wherein the step S2 further comprises the steps of: the online payment platform (200) integrates the extracted multiple groups of user information with original user information in a social platform constructed by the online payment platform to enlarge the user group scale of the social platform and gradually form a cross-domain social platform for information interaction and sharing among multiple users.
The social platform building method based on the online payment system according to claim 9, further comprising the following steps after the step S2:
s3) monitoring whether new published information is generated on the cross-domain social platform, determining an information source user of the new published information and all other users establishing social relations with the information source user when the new published information generated on the cross-domain social platform is monitored, searching user registration information of the other users in a database (203), and pushing page link addresses of the social platform to each contact mailbox in each user registration information;
or monitoring whether new message information is generated on the cross-domain social platform, determining at least one appointed receiving user of the new message information when the new message information generated on the cross-domain social platform is monitored, and pushing the new message information to the at least one appointed receiving user.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2014/083837 WO2016019534A1 (en) | 2014-08-06 | 2014-08-06 | Online payment system and online payment system-based social networking platform construction method |
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| CN105474243A true CN105474243A (en) | 2016-04-06 |
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| CN201480003222.7A Pending CN105474243A (en) | 2014-08-06 | 2014-08-06 | Online payment system and online payment system-based social networking platform construction method |
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| Country | Link |
|---|---|
| CN (1) | CN105474243A (en) |
| CA (3) | CA2993681C (en) |
| WO (1) | WO2016019534A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108171599A (en) * | 2018-01-16 | 2018-06-15 | 北京汇聚天下投资有限公司 | Suitable for building the intelligent engagement system of good faith transaction platform |
| CN111768197B (en) * | 2020-07-01 | 2024-06-04 | 深圳市众禧禾立科技有限公司 | Credit data node system and method based on social network connection |
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Also Published As
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|---|---|
| CA3057510A1 (en) | 2016-02-11 |
| CA3057531A1 (en) | 2016-02-11 |
| CA2993681A1 (en) | 2016-02-11 |
| WO2016019534A1 (en) | 2016-02-11 |
| CA2993681C (en) | 2023-01-31 |
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