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Method and system for Intenet payment

A technology for online payment and payment request, applied in the field of e-commerce, it can solve problems such as large capital risks, and achieve the effect of reducing capital risks and protecting interests

Inactive Publication Date: 2014-05-28
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a network payment method and system, aiming to solve the problem of relatively large capital risk of the payer client existing in the existing network payment

Method used

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  • Method and system for Intenet payment
  • Method and system for Intenet payment
  • Method and system for Intenet payment

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Embodiment Construction

[0031] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0032] See figure 1 , figure 1 It is a schematic structural diagram of the network payment system 100 provided by an embodiment of the present invention. Such as figure 1As shown, the online payment system 100 includes a first type bank server 110 , a first type client terminal 111 , a second type bank server 120 , a second type client terminal 121 , a logistics server 130 and an online payment server 150 .

[0033] The first type of client terminal 111 is suitable for the payer client, and it is connected with the first type bank server 110, the logistics server 130 and the network payment serv...

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Abstract

The invention is suitable for the field of electronc commerce technology, and provides a method and a system for Internet payment.The method comprises the following steps: a first type client terminal sends application information to an Internet payment server to apply a commitment payment information data package; based on the application information, the Internet payment server generates and sends a temporary commitment payment information data package to a first type bank server; the first type bank server verifies the temporary commitment payment information data package; and if verifies successively, the first type bank server generates a commitment payment information data package based on the temporary commitment payment information data package, carries out fund freezing and sends fund freezing information to a second type bank server. According to the invention, for a payment clinet, fund is just frozen and needs not to be paid, so fund risks are reduced and benefit of the payment client is ensured.

Description

technical field [0001] The invention belongs to the technical field of electronic commerce, and in particular relates to a network payment method and system. Background technique [0002] E-commerce has been more and more widely used in various commercial trade activities. The so-called e-commerce refers to the online shopping of consumers based on browser and server applications in commercial trade activities under the open network environment of the Internet. It is a business operation mode of online transactions and online electronic payments between merchants, as well as various business activities, transaction activities, financial activities and related comprehensive service activities. [0003] Now, the credit bottleneck in the settlement process of online electronic payment (network payment) is always an obstacle in the development of e-commerce (network transaction). Among the current online electronic payment methods, the risk is relatively small in the form of th...

Claims

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Application Information

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IPC IPC(8): G06Q20/16G06Q20/10G06Q20/42
CPCG06Q20/102G06Q20/16G06Q20/382G06Q40/02G06Q20/12G06Q20/403G06Q20/4037G06Q20/027G06Q20/108G06Q20/3825G06Q20/405
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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