Payment method, payment device and payment system of networked transaction

A payment system and payment device technology, applied in the field of e-commerce, can solve the problems of complex transaction process, inapplicability, multiple network resources, etc., and achieve the effect of saving network bandwidth resources, realizing automatic operation, and reducing the amount of information

Inactive Publication Date: 2013-07-03
BAIDU ONLINE NETWORK TECH (BEIJIBG) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the problem with instant transfers is that the funds are transferred to the seller's account before the buyer receives the goods, and the buyer's interests cannot be fully protected, so it is not suitable for C2C ( Consumer to Consumer, consumer to consumer) application environment
[0006] However, the disadvantages of intermediary secured transactions are: the transaction process is relatively complicated, and the intermediary secured transaction system needs to process a large amount of interactive information between buyers and sellers, wh

Method used

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  • Payment method, payment device and payment system of networked transaction
  • Payment method, payment device and payment system of networked transaction
  • Payment method, payment device and payment system of networked transaction

Examples

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Example Embodiment

[0056] Please refer to Figure 1 to Figure 5 As shown, the present invention discloses a payment system for network transactions, which includes: a client terminal 1 , a payment platform 2 and a merchant terminal 3 . Wherein, the payment platform 2 and the merchant terminal 3 may include one or more servers, and the client 1 may include one or more user terminal devices, such as personal computers, notebook computers, wireless phones, personal digital processing (PDA), or other computer systems and communication systems.

[0057] These servers and end devices are architecturally composed of basic components such as buses, processing systems, storage systems, one or more input / output systems, and communication interfaces. A bus may include one or more conductors for communication between components of a server or terminal device. Processing systems include various types of processors or microprocessors for executing instructions, processes, or threads. The storage system may...

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Abstract

The invention discloses a payment method, a payment device and a payment system of networked transaction. The payment system comprises a client, a payment platform, a payment success informing interface and a commercial tenant end, wherein the client comprises a bill processing module which is used for receiving an ordered bill of a buyer and sending advance payment request information; the payment platform comprises a payment settlement module, and is used for processing the advance payment request information of the buyer and freezing advance payment account in an account of the buyer; the payment success informing interface is used for transmitting account paid transaction information to the commercial tenant end; and the commercial tenant end comprises an interactive interface used for being abutted against an industry business system. When the commercial tenant end receives the account paid transaction information of the buyer, the transaction is executed by calling the interactive interface. Compared with a prior agency secured transaction, the technical scheme is that the payment method, the payment device and the payment system of the networked transaction reduce the amount of information needing processing, save network bandwidth resources, and meanwhile reduce manual operations of the buyer and a seller.

Description

technical field [0001] The invention relates to a payment method, device and system for network transactions, belonging to the field of electronic commerce. Background technique [0002] With the popularization of the Internet and the development of online payment technology, online shopping through the Internet has become an important way of shopping. With a wide range, you can browse and compare the same or different types of products sold by many different merchants at the same time; the price is cheap, and there is a large discount in price compared to the products sold in physical stores. Based on these advantages of online shopping, online shopping platforms that provide online shopping have been fully developed. For example, Ebay (www.ebay.com) and Amazon (www.amazon.com), which are relatively famous foreign online shopping websites, and Taobao (www.taobao.com), which are relatively famous domestic shopping websites, and Baidu Youah (www.youa.com). com), and so on. ...

Claims

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Application Information

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IPC IPC(8): G06Q20/12G06Q30/00
Inventor 赵建户舒真才黄俊谢德平谷云徐之浩闫鹏
Owner BAIDU ONLINE NETWORK TECH (BEIJIBG) CO LTD
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