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Payment processing server, payment system and payment method

A technology for processing server and payment requests, applied in the field of network communication, which can solve the problems of inability to guarantee the authenticity of buyer and seller information, and difficulty in guaranteeing transaction security and product quality.

Active Publication Date: 2015-11-18
CHINA COMMODITY EXCHANGEBEIJINGTECH DEV CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, there are usually no restrictions for users to apply for login accounts on the website, and it is impossible to guarantee the authenticity of buyer and seller information, and it is difficult to guarantee transaction security and product quality

Method used

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  • Payment processing server, payment system and payment method
  • Payment processing server, payment system and payment method
  • Payment processing server, payment system and payment method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0080] figure 1 A structural block diagram of a payment system according to an embodiment of the present invention is shown. like figure 1 As shown, the payment system mainly includes a processing center and a user terminal, wherein the processing center can be an AI (Artificial Intelligence, artificial intelligence) processing center, and can include at least one payment processing server 10, how many servers are specifically set, and the location and connection mode of the server , can be flexibly selected according to the actual application scenario. Usually, the more servers there are, the stronger the computing power is, and the greater the overall processing capacity of the system is. The user terminal of the payment system can have multiple types, for example: the client used by the purchaser (first client 21), the client used by the supplier (second client 22), the client used by the logistics party, etc. (the first client 21) Three clients 23).

[0081] Wherein, ...

Embodiment 2

[0096] figure 2 A structural block diagram of a payment processing server according to an embodiment of the present invention is shown. figure 2 is true figure 1 An example illustration of the payment processing server 10 in the payment system, such as figure 2 As shown, the payment processing server 10 may include:

[0097] The receiving module 11 is configured to receive a payment request from the first client 21, wherein the payment request includes authentication authorization information, access authorization information and transaction requirement information of the first client 21;

[0098] An authorization verification module 13, connected to the receiving module 11, configured to verify the authentication authorization information and access authorization information of the first client 21 according to the pre-stored authorized data, so as to confirm that the first client Whether terminal 21 is legal;

[0099] The transaction control module 15 is connected wit...

Embodiment 3

[0107] image 3 A structural block diagram of a payment processing server according to another embodiment of the present invention is shown. On the basis of the previous embodiment, if image 3 As shown, the authorization verification module 13 of the payment processing server 10 may include an authentication authorization verification unit 31 and an access authorization verification unit 32, and the authorization verification module 13 may also include any one or more of the following units:

[0108] A login verification unit 33, configured to verify the login information of the first client 21 and / or the second client 22, to determine whether the first client and / or the second client 22 legitimate. For example: the client can be assigned a login name, password, etc., and a special bank card can be issued. The bank card number and password can be directly used as the login name and password, or the login name and password can be assigned separately.

[0109] An encryption ...

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PUM

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Abstract

The invention relates to a payment processing server, a payment system and a payment method. The payment system comprises at least one payment processing server and multiple user terminals. The user terminals comprise a first client and a second client. A payment request including certificate authority information, access authority information and transaction demand information for the first client are sent to the payment processing server. In the condition in which the first client is legal, the transaction demand information is received from the payment processing server, certificate authority information, access authority information and transaction state information for the second client are sent to the payment processing server, and in the condition in which the second client is confirmed to be legal, the payment processing server controls payment between the first client and the second client according to the transaction state information. Multiple means are adopted for verifying the clients, clients joining the system are ensured to be authorized clients, and thus, account safety of the clients can be ensured during transaction and payment processes.

Description

technical field [0001] The invention relates to the field of network communication, in particular to a payment processing server, payment system and payment method based on network communication technology. Background technique [0002] With the development of information network technology, more and more transactions are conducted through the network. In order to ensure the safety of funds during the payment process, some shopping websites usually need to verify the user's login information such as user name and password when the user logs in, and interact with the bank's business platform during the payment process to verify the user's bank account Information such as bank card number, password, etc. Payment is accomplished by debiting a certain amount of currency from the buyer's bank account and depositing a certain amount of currency into the seller's bank account to complete collection. In addition, it is also possible to interact with the bank account through a thir...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q10/08G06Q50/28
CPCG06Q10/08G06Q20/401G06Q20/40
Inventor 戈志刚
Owner CHINA COMMODITY EXCHANGEBEIJINGTECH DEV CO LTD
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