ONLINE PAYMENT VERIFICATION METHOD AND ONLINE PAYMENT VERIFICATION SYSTEM

PROCEDE DE VERIFICATION DE PAIEMENT EN LIGNE ET SYSTEME DE VERIFICATION DE PAIEMENT EN LIGNE

English Abstract

Disclosed in the present invention are an online payment verification method
and an online
payment verification system. The system comprises a paying party terminal
device, a receiving
party terminal device and an electronic currency verification centre. The
electronic currency
verification centre is used for performing authenticity verification of an
electronic currency in a
payment transaction according to a set electronic currency verification rule,
upon receiving a
payment request in an electronic currency clearing mode of the payment
transaction. The
electronic currency verification centre is also used for locating a bank
server concerned by the
payment transaction upon determining that the electronic currency has passed
the authenticity
verification thereof, sending the electronic currency to the bank server, and
instructing the bank
server to perform a payment amount transfer operation of the same value as the
electronic
currency. Implementation of the present invention can effectively combat the
rampant activities
of criminals who recklessly forge electronic currencies, curb the trend of
counterfeit electronic
banknotes spreading unchecked, and improve the security of online payments,
and so will help to
popularize electronic currencies.

French Abstract

La présente invention concerne un procédé de vérification de paiement en ligne et un système de vérification de paiement en ligne. Le système comprend un dispositif terminal payeur, un dispositif terminal de réception et un centre de vérification de monnaie électronique. Le centre de vérification de monnaie électronique est utilisé pour effectuer une vérification de sécurité d'une monnaie électronique dans une transaction de paiement en fonction d'une règle définie de vérification de monnaie électronique, lors de la réception d'une demande de paiement dans un mode de compensation de monnaie électronique de la transaction de paiement. Le centre de vérification de monnaie électronique est également utilisé pour localiser un serveur bancaire concerné par la transaction de paiement lorsqu'il est déterminé que la monnaie électronique a passé sa vérification de sécurité, pour envoyer la monnaie électronique au serveur bancaire et pour ordonner au serveur bancaire d'effectuer une opération de transfert de montant de paiement de la même valeur que la monnaie électronique. Le mode de réalisation de la présente invention peut efficacement lutter contre les activités agressives de criminels qui falsifient avec témérité les monnaies électroniques, juguler la tendance de faux billets de banque électronique qui circulent sans contrôle et améliorer la sécurité des paiements en ligne et contribuera ainsi à vulgariser la monnaie électronique.

Claims

Claims:
1. An online electronic currency payment verification method, comprising:
sending an authenticity verification request on electronic currency of an
online payment
transaction to a payee terminal, when receiving a payment request in the form
of an
electronic currency settlement of the online payment transaction from a payer
terminal,
wherein the electronic currency exists only electronically, and wherein the
electronic
currency comprises a payment amount of the electronic currency that is
equivalent to a
payment amount of funds;
performing authenticity verification on the electronic currency of the online
payment
transaction according to an electronic currency verification rule when
receiving
confirmation information of the authenticity verification request for the
online payment
transaction sent by the payee terminal, comprising:
extracting first payment verification information from the electronic
currency,
wherein the first payment verification information comprises first account
information and an encryption key used for secure payment;
searching a database for second payment verification information pre-reserved
by a
payer of the electronic currency, wherein the second payment verification
information comprises second account information and a decryption code for
solving
the encryption key; and
comparing the first payment verification information with the second payment
verification information to determine whether the first payment verification
information matches the second payment verification information;
determining whether the electronic currency of the online payment transaction
passes the
authenticity verification; and
if the electronic currency of the online payment transaction passes the
authenticity
verification:
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searching for a bank account of a payer bank corresponding to the electronic
currency
settlement of the online payment transaction and a payer bank server
corresponding to the
bank account of the payer bank, to deliver the payment amount of the
electronic currency
and information of a bank account of a payee bank to the payer bank server;
and
submitting a transfer request to instruct the payer bank server to transfer
the payment
amount of funds to the bank account of the payee bank through a payee bank
server for
completing the online payment transaction.
2. The method of claims 1, further comprising storing the first payment
verification information
for the authenticity verification, wherein the first payment verification
information is pre-
reserved by a payer.
3. The method of claims 1, further comprising transmitting the authenticity
verification request
to the payee terminal upon receipt of the payment request submitted by the
payer terminal to
the payee terminal.
4. The method of any one of claims 1 to 3, wherein determining whether the
electronic currency
of the online payment transaction passes the authenticity verification
comprises:
determining whether the first payment verification information completely
matches the
second payment verification information;
determining the electronic currency to be valid, payable, and settled in the
online
payment transaction; and
delivering prompt information to the payer terminal and the payee terminal
that the
authenticity verification is passed or failed according to whether the first
payment
verification information does or does not completely match the second payment
verification information, respectively.
5. The method of claim 4, wherein determining whether the electronic currency
of the online
payment transaction passes the authenticity verification further comprises:
recording an electronic currency authenticity verification failure;
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determining whether a number of authenticity verification failures recorded
involving the
payer exceeds an upper limit of failed authenticity verifications; and
if the number of authenticity verification failures recorded involving the
payer exceeds the upper
limit of failed authenticity verifications, reducing a payment credit grade of
the payer.
6. The method of any one of claim 1 to 5, wherein the first payment
verification information
comprises first account information and an encryption key used for secure
payment.
7. The method of any one of claim 1 to 6, wherein the second payment
verification information
comprises second account information and a decryption code for solving the
encryption key.
8. The method of any one of claims 1 to 7, wherein the payer terminal is a
desktop computer.
9. The method of any one of claims 1 to 7, wherein the payer terminal is a
laptop.
10. The method of any one of claims 1 to 7, wherein the payer terminal is a
smartphone.
11. The method of any one of claims 1 to 7, wherein the payee terminal is a
desktop computer.
12. The method of any one of claims 1 to 7, wherein the payee terminal is a
laptop.
13. The method of any one of claims 1 to 7, wherein the payee terminal is a
smartphone.
14. The method of any one of claims 1 to 13, wherein an electronic currency
verification center
communicates with the payee terminal equipment and the payer terminal
equipment over a
wireless network.
15. The method of claim 14, wherein the electronic currency verification
center is an
authenticated server.
16. The method of any one of claims 14 to 15, wherein the electronic currency
verification center
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is authorized by major banks and is configured to communicate with major
banks.
17. An online electronic currency payment verification system, comprising:
a payer terminal, configured to:
submit a payment request for an electronic currency settlement of
electronic currency of an online payment transaction, wherein the
electronic currency exists only electronically, wherein the electronic
currency comprises a payment amount of the electronic currency
equivalent to a payment amount of funds;
a payee terminal, configured to:
deliver confirmation information of an authenticity verification
request to an electronic currency verification center when receiving
the authenticity verification request on the electronic currency of the
online payment transaction sent by the electronic currency
verification center;
the electronic currency verification center, configured to:
send the authenticity verification request on the electronic currency
of the online payment transaction to the payee terminal when
receiving the payment request;
receive the confirmation information of the authenticity verification
request for the online payment transaction sent by the payee
terminal; and
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
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currency, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
searching for a bank account of a payer bank corresponding to the electronic
currency
settlement of the electronic currency of the online payment transaction and a
payer bank
server corresponding to the bank account of the payer bank, to deliver the
payment
amount of the electronic currency and information of a bank account of a payee
bank to
the payer bank server; and
submitting a transfer request to instruct the payer bank server to transfer
the payment
amount of funds to the bank account of the payee bank through a payee bank
server for
completing the online payment transaction;
a plurality of bank servers, configured to:
transfer the payment amount of funds from the bank account of the
payer bank to the bank account of the payee bank;
wherein the electronic currency verification center is communicatively
connected to the
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payer terminal and the payee terminal; and
wherein the electronic currency verification center is communicatively
connected to the
payer bank server and the payee bank server.
18. The system of claim 17, wherein, if the electronic currency of the online
payment transaction
fails to pass the authenticity verification, causing an electronic currency
authenticity
verification failure, the electronic currency verification center is further
configured to:
determine the electronic currency of the online payment transaction to be
invalid,
unpayable, and unsettled in the online payment transaction; and
deliver prompt information to the payer terminal and the payee terminal that
the
authenticity verification is failed.
19. The system of claim 18, wherein the electronic currency verification
center is further
configured to:
record each electronic currency authenticity verification failure;
determine whether a number of authenticity verification failures recorded
involving the
payer exceeds an upper limit of failed authenticity verifications; and
if the number of authenticity verification failures recorded involving the
payer exceeds
the upper limit of failed authenticity verifications, reduce a payment credit
grade of the
payer.
20. The system of claim 17, wherein the first payment verification information
comprises first
account information and an encryption key used for secure payment.
21. The system of claim 17, wherein the second payment verification
information comprises
second account information and a decryption code for solving the encryption
key.
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22. The system of claim 17, wherein the payer terminal is a desktop computer.
23. The system of claim 17, wherein the payer terminal is a laptop.
24. The system of claim 17, wherein the payer terminal is a smartphone.
25. The system of claim 17, wherein the payee terminal is a desktop computer.
26. The system of claim 17, wherein the payee terminal is a laptop.
27. The system of claim 17, wherein the payee terminal is a smartphone.
28. The system of any one of claims 17 to 27, wherein the electronic currency
verification center
communicates with the payee terminal and the payer terminal over a wireless
network.
29. The system of any one of claims 17 to 28, wherein the electronic currency
verification center
is an authenticated server.
30. The system of any one of claims 17 to 29, wherein the electronic currency
verification center
is authorized by major banks and can be communicated with major banks.
31. An electronic currency verification center for electronic currency
payments, comprising:
a database, configured to:
store second payment verification information that is pre-reserved
by a customer for online payment verification;
an electronic currency verification module, configured to:
perform authenticity verification on the electronic currency of the
online payment transaction according to an electronic currency
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verification rule when receiving confirmation information of the
authenticity verification request for the online payment transaction
sent by a payee terminal, wherein authenticity verification further
comprises:
extracting first payment verification information comprised in the
electronic currency, wherein the first payment verification
infomiation comprises first account information and an encryption
key used for secure payment;
reading second payment verification information stored in the
database, wherein the second payment verification information
comprises second account information and a decryption code for
solving the encryption key; and
comparing the second payment verification information with the
first payment verification information to check whether the first
payment verification information matches the second payment
verification information;
generating prompt information for cancelling the electronic currency
verification operation when receiving rejection information of the
authenticity verification request from the payee terminal according
to the payment request; and
delivering the prompt information to a payer terminal and the payee
terminal;
a communication module, configured to:
send an authenticity verification request on electronic currency of an
online payment transaction to a payee terminal, when receiving a
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payment request in the form of an electronic currency settlement of
the online payment transaction from a payer terminal, wherein the
electronic currency exists only electronically, and the electronic
currency comprises a payment amount of the electronic currency
equivalent to a payment amount of funds;
receive confirmation/rejection information of the authenticity
verification request from the payee terminal according to the
payment request; and
enter the confirmation/rejection information of the authenticity
verification request into the electronic currency verification module;
an electronic currency verification result recording module, configured to:
record an authenticity verification result in the database;
wherein if the electronic currency of the online payment transaction passes
the
authenticity verification, the electronic currency verification center is
further configured
to:
search for a bank account of a payer bank corresponding to the
electronic currency settlement of the online payment transaction and
a payer bank server corresponding to the bank account of the payer
bank, to deliver the payment amount of the electronic currency and
information of a bank account of a payee bank to the payer bank
server and deliver the electronic currency to a bank server; and
submit a transfer request to instruct the payer bank server to transfer
the payment amount of funds to the bank account of the payee bank
through a payee bank server for completing the online payment
transaction.
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32. The electronic currency verification center of claim 31, wherein the
electronic currency
verification module further comprises an electronic currency verification
information
extraction unit.
33. The electronic currency verification center of any one of claims 31 to 32,
wherein the
electronic currency verification module further comprises an electronic
currency verification
information comparison unit.
34. The electronic currency verification center of any one of claims 31 to 33,
wherein the
electronic currency verification information comparison unit is configured to:
read second payment verification information stored in the database;
compare the second payment verification information with the first payment
verification
information;
generate prompt information indicating that the authenticity verification is
successful if
the first payment verification information and the second payment verification

information completely match each other;
generate prompt information indicating that the authenticity verification
failed if the first
payment verification information and the second payment verification
information do not
completely match each other; and
deliver the prompt information to the communication module.
35. The electronic currency verification center of claim 34, wherein the first
payment verification
information comprises first account information and an encryption key used for
secure
payment.
36. The electronic currency verification center of claim 34, wherein the
second payment
verification information comprises second account information and a decryption
code for
solving the encryption key.
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37. The electronic currency verification center of claim 34, wherein the
communication module
is further configured to forward the prompt information to the payee terminal
and the payer
terminal.
38. The electronic currency verification center of any one of claims 31 to 37,
wherein the
electronic currency verification center is communicatively connected to the
payer terminal
and the payee terminal.
39. The electronic currency verification center of any one of claims 31 to 38,
wherein the
electronic currency verification center is communicatively connected to a
plurality of bank
servers.
40. The electronic currency verification center of any one of claims 31 to 39,
wherein the
electronic currency verification center is authorized by major banks and can
be
communicated with major banks.
41. The electronic currency verification center of any one of claims 31 to 40,
wherein the
electronic currency verification center communicates with the payee terminal
and the payer
terminal over a wireless network.
42. The electronic currency verification center of any one of claims 31 to 41,
wherein the
electronic currency verification center is an authenticated server.
43. The electronic currency verification center of any one of claims 31 to 42,
wherein the payer
terminal is a desktop computer.
44. The electronic currency verification center of any one of claims 31 to 42,
wherein the payer
terminal is a laptop.
45. The electronic currency verification center of any one of claims 31 to 42,
wherein the payer
terminal is a smai __ tphone.
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46. The electronic currency verification center of any one of claims 31 to 42,
wherein the payee
terminal is a desktop computer.
47. The electronic currency verification center of any one of claims 31 to 42,
wherein the payee
terminal is a laptop.
48. The electronic currency verification center of any one of claims 31 to 42,
wherein the payee
terminal is a smartphone.
49. A system for electronic currency payments, wherein the electronic currency
exists only
electronically, the system comprising:
a payer terminal comprising:
a computer-readable memory for storing processor-executable instructions;
a computer processor communicatively coupled with the memory, wherein upon
execution of the processor-executable instructions, the processor is
configured to:
receive a payment command;
submit a payment request in the form of an electronic currency
settlement of an online payment transaction to an electronic
currency verification center for performing authenticity verification
on the electronic currency of the online payment transaction
according to an electronic currency verification rule, to enable the
electronic currency verification center to perform authenticity
verification on the electronic currency of the online payment
transaction according to an electronic currency verification rule
when receiving confirmation information of an authenticity
verification request for the online payment transaction, and to
compare a second payment verification information with a first
payment verification information to check whether the first payment
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verification information matches the second payment verification
information for the authenticity verification;
receive prompt information indicating that the authenticity
verification is successful if the first payment verification
information and the second payment verification information
completely match each other determined by the electronic currency
verification center, to enable the electronic currency verification
center to search for a bank account of a payer bank corresponding to
the electronic currency settlement of the online payment transaction
and a payer bank server corresponding to the bank account of the
payer bank, to deliver the payment amount of the electronic
currency and information of a bank account of a payee bank to the
payer bank server; and
receive prompt information indicating that the authenticity
verification failed if the first payment verification information and
the second payment verification information do not completely
match each other as determined by the electronic currency
verification center, to enable the payer terminal to verify and modify
order information and payment amount of the online payment
transaction; and
the electronic currency verification center, configured to:
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
currency, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment;
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searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
searching for the bank account of the payer bank corresponding to the
electronic currency
settlement of the electronic currency of the online payment transaction and
the payer
bank server corresponding to the bank account of the payer bank, to deliver
the payment
amount of the electronic currency and information of the bank account of the
payee bank
to the payer bank server; and
submitting a transfer request to instruct the payer bank server to transfer
the payment
amount of funds to the bank account of the payee bank through a payee bank
server for
completing the online payment transaction;
wherein the payer terminal is communicatively connected to the electronic
currency
verification center, wherein the electronic currency verification center is
configured to
perform authenticity verification on the electronic currency of the online
payment
transaction according to an electronic currency verification rule when
receiving a
payment request sent by the payer terminal, wherein the electronic currency
exists only
electronically, and wherein the electronic currency comprises a payment amount
of the
electronic currency equivalent to the payment amount of funds.
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50. The system of claim 49, wherein the payer terminal is a desktop computer.
51. The system of claim 49, wherein the payer terminal is a laptop.
52. The system of claim 49, wherein the payer terminal is a smartphone.
53. The system of any one of claims 49 to 52, wherein the electronic currency
verification center
communicates with the payee terminal and the payer terminal over a wireless
network.
54. The system of any one of claims 49 to 53, wherein the electronic currency
verification center
is an authenticated server.
55. A system for electronic currency payments, wherein the electronic currency
exists only
electronically, the system comprising:
a payee terminal, comprising:
a computer-readable memory for storing processor-executable instructions;
a computer processor communicatively coupled to the memory, wherein upon
execution of the processor-executable instructions, the processor is
configured to:
deliver confirmation information of an authenticity verification
request to an electronic currency verification center according to a
payment request when receiving the authenticity verification request
from the electronic currency verification center, to enable the
electronic currency verification center to compare a second payment
verification information with a first payment verification
information to check whether the first payment verification
information matches the second payment verification information
for the authenticity verification wherein the first payment
verification information comprises first account information and an
encryption key used for secure payment, wherein the second
payment verification information comprises second account
information and a decryption code for solving the encryption key ;
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receive prompt information indicating that the authenticity
verification is successful if the first payment verification
infomiation and the second payment verification information
completely match each other as determined by the electronic
currency verification center, to enable the electronic currency
verification center to search for a bank account of a payer bank
corresponding to electronic currency settlement of the online
payment transaction and a payer bank server corresponding to the
bank account of the payer bank, to deliver a payment amount of the
electronic currency and information of a bank account of a payee
bank to the payer bank server and deliver the electronic currency to
one of a plurality of bank servers, and instruct the payer bank server
to perform a transfer operation equal to the payment amount of the
electronic currency to the bank account of the payee bank through a
payee bank server for completing the online payment transaction;
and
receive prompt information indicating that the authenticity
verification failed if the first payment verification information and
the second payment verification information do not completely
match each other as determined by the electronic currency
verification center, to enable the payee terminal to verify and
modify order information and payment amount of the online
payment transaction; and
the electronic currency verification center, configured to:
send the authenticity verification request on the electronic currency
of the online payment transaction to the payee terminal when
receiving the payment request;
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receive the confirmation information of the authenticity verification
request for the online payment transaction sent by the payee
terminal; and
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
currency, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
searching for the bank account of the payer bank corresponding to the
electronic currency
settlement of the electronic currency of the online payment transaction and
the payer
bank server corresponding to the bank account of the payer bank, to deliver
the payment
amount of the electronic currency and information of the bank account of the
payee bank
to the payer bank server; and
submitting a transfer request to instruct the payer bank server to transfer
the payment
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amount of funds to the bank account of the payee bank through the payee bank
server for
completing the online payment transaction;
wherein the payee terminal is communicatively connected to the electronic
currency
verification center, wherein the electronic currency verification center is
configured to
perform authenticity verification on the electronic currency of an online
payment
transaction according to an electronic currency verification rule when
receiving the
confirmation information of the authenticity verification request sent by the
payee
terminal, wherein the electronic currency exists only electronically, and
wherein the
electronic currency comprises a payment amount of the electronic currency
equivalent to
the payment amount of funds.
56. The system of claim 55, wherein the payee terminal is a desktop computer.
57. The system of claim 55, wherein the payee terminal is a laptop.
58. The system of claim 55, wherein the payee terminal is a smailphone.
59. The system of claim 55, wherein the electronic currency verification
center communicates
with the payee terminal and a payer terminal over a wireless network.
60. The system of claim 55, wherein the electronic currency verification
center is an
authenticated server.
61. A system for electronic currency payments, wherein the electronic currency
exists only
electronically, the servers comprising:
a payer bank server, configured to:
receive a payment amount of an electronic currency and information
of a bank account of a payee bank delivered by an electronic
currency verification center, if the electronic currency in an online
payment transaction passes an authenticity verification;
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wherein the authenticity verification comprises comparing a first
payment verification information with a second payment
verification information to check whether the first payment
verification information matches the second payment verification
information, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment, and wherein the second payment verification
information comprises second account information and a decryption
code for solving the encryption key;
transfer a payment amount of funds equivalent to the payment
amount of the electronic currency from a bank account of a payer
bank to the bank account of the payee bank;
wherein the payer bank server corresponds to the bank account of
the payer bank, and wherein the bank account of the payer bank
corresponds to electronic currency settlement of the online payment
transaction;
a payee bank server, configured to
deliver the amount of funds equivalent to the payment amount of the
electronic currency to the bank account of the payee bank when
receiving the payment amount of the electronic currency according
to the transaction request delivered by the payer bank server; and
the electronic currency verification center, configured to:
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
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extracting first payment verification information from the electronic
currency, wherein the first payment verification information
comprises first account information and an enclyption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
search for the bank account of the payer bank corresponding to the electronic
currency
settlement of the electronic currency of the online payment transaction and
the payer
bank server corresponding to the bank account of the payer bank, to deliver
the payment
amount of the electronic currency and information of the bank account of the
payee bank
to the payer bank server; and
submit a transfer request to instnict the payer bank server to transfer the
payment amount
of funds to the bank account of the payee bank through the payee bank server
for
completing the online payment transaction;
wherein the plurality of bank servers is communicatively connected to the
electronic
currency verification center, wherein the electronic currency verification
center is
configured to perform authenticity verification on the electronic currency of
the online
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payment transaction according to an electronic currency verification rule when
receiving
a payment request sent by a payer terminal and confirmation information of an
authenticity verification request sent by a payee terminal, wherein the
electronic currency
exists only electronically, and wherein the electronic currency comprises a
payment
amount of the electronic currency equivalent to the payment amount of funds.
62. The system of claim 61, wherein the payer terminal is a desktop computer.
63. The system of claim 61, wherein the payer terminal is a laptop.
64. The system of claim 61, wherein the payer terminal is a smartphone.
65. The system of claim 61, wherein the payee terminal is configured as a
desktop computer.
66. The system of claim 61, wherein the payee terminal is a laptop.
67. The system of claim 61, wherein the payee terminal is a smai tphone.
68. The system of any one of claims 61 to 67, wherein the electronic currency
verification center
communicates with the plurality of servers over a wireless network.
69. The system of any one of claims 61 to 68, wherein the electronic currency
verification center
is an authenticated server.
70. An electronic currency verification center for electronic currency
payments in an
online payment transaction, the electronic currency verification center
configured to:
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
currency, wherein the first payment verification information
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comprises first account information and an encryption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
search for a bank account of a payer bank corresponding to settlement of the
electronic
currency of the online payment transaction and a payer bank server
corresponding to the
bank account of the payer bank, to deliver a payment amount of the electronic
currency
and information of a bank account of a payee bank to the payer bank server;
and
submit a transfer request to instruct the payer bank server to transfer the
payment amount
of funds to the bank account of the payee bank through a payee bank server for

completing the online payment transaction.
34
Date Recue/Date Received 2022-06-07

Description

Title: Online Payment Verification Method And Online Payment
Verification System
Technical Field
[1] The present invention relates to the field of network payment
verification technology,
and more particularly, to an online payment verification method and an online
payment
verification system.
Background Technology
[2] With the rapid development of Internet technology, user payment
behaviour is slowly
changing, and people are paying more and more on the Internet. Due to the
short
development time, the online payment technology still has the following
disadvantages:
[3] First, the payment process is irreversible. In the process of payment,
the flow of the
payment amount is usually one-way. That is, the payment amount can usually
only flow
from one side of the payer to one side of the payee, and the payment behaviour
of the
payee with respect to the payer and the payment receipt of the payee with
respect to the
payee. The lack of confirmation of the process of behaviour, the uncertainty
of payment
is likely to bring potential security risks to both the payer and the payee.
[4] Second, due to the lack of an effective electronic money authenticity
verification
mechanism, the promotion and popularization of electronic money are greatly
restricted.
Due to the online payment of electronic banknotes as a newly developed
financial
commodity, the related facilities and services are not perfect soon after they
are
released. For the time being, an electronic currency verification system for
the
authenticity of electronic banknotes has not been launched on the market,
during the
circulation of electronic banknotes, one of the payees cannot authenticate the
electronic
banknotes from the payer's side, and the rights and interests of the payee
cannot be
guaranteed at all. As a result, it is common for users to be deceived in the
process of
payment, which makes the popularization and popularization of electronic
banknotes
greatly limited.
Summary of the Invention
[5] The technical problem to be solved by the present invention is to
provide an online
payment verification method and an online payment verification system for the
above
1
Date Recue/Date Received 2020-11-20

defects in the existing technology.
[6] The technical solution adopted by the present invention for solving the
technical
problem is: constructing an online payment verification method, comprising the

following steps:
[7] Si) When receiving a payment request in the form of electronic money
settlement of an
online payment transaction, the electronic money verification center performs
authenticity verification on the electronic money of the online payment
transaction
according to the set electronic money verification rule;
[8] S2) The electronic money verifying center judges whether the electronic
money passes
the authenticity verification, and when the electronic money passes the
authenticity
verification, delivers the electronic money to the bank server involved in the
online
payment transaction and instructs the bank. The server performs a transfer
operation
equal to the payment amount of the electronic money.
[9] In the above online payment verification method of the present
invention, before the
step Si, the method further includes the following steps:
[10] SO) The electronic money verifying center stores in advance first
payment verification
information for online payment verification respectively reserved by each
depositor.
[11] In the above online payment verification method of the present
invention, the step Si
further comprises: when receiving the payment request in the form of
electronic money
settlement submitted by the payment terminal device, the electronic money
verification
center delivers a payment request to the payee terminal. The device delivers
the
electronic money authenticity verification request and performs authenticity
verification
on the electronic money in the online payment transaction according to the set
electronic
money verification rule after receiving confirmation information returned by
the payee
terminal device for the electronic money verification request.
[12] In the above online payment verification method of the present
invention, the step of
performing authenticity verification on the electronic money in the online
payment
transaction according to the set electronic money verification rule in step Si
specifically
includes:
[13] The electronic money verification center extracts the first payment
verification
information included in the electronic money and searches the database for the
second
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Date Recue/Date Received 2020-11-20

payment verification information reserved by the payer of the electronic
money, and the
first payment verification information is compared with the second payment
verification
information;
[14] In step S2, the step of the electronic money verification center
determining whether the
electronic money passes the authenticity verification specifically includes:
[15] If the electronic money verification center determines that the first
payment information
completely corresponds to the second payment verification information, the
electronic
money verification center allows the electronic money to pass the authenticity

verification of the electronic money, and the electronic currency is
determined to be the
payable and settled electronic currency, and the prompt information is
delivered to the
payment terminal device and the payee terminal equipment that the payment
exchange
involves.
[16] If the electronic money verification center determines that the first
payment information
and the second payment verification information do not completely correspond
to each
other, the electronic money verification center prohibits the electronic money
from
authenticating through electronic money and determines that the electronic
money is
invalid obsolete electronic money, and delivers a prompt message indicating
that the
electronic money verification has failed to the payer terminal device and the
payee
terminal device involved in the online payment transaction.
[17] In the above online payment verification method of the present
invention, the step S2
further includes:
[18] The electronic money verification center records the electronic money
verification
failure event and judges that the number of unsuccessful verification of
electronic
money involving the same payer exceeds the set upper limit of the number of
failed
verification of electronic money, and reduces the payment credit grade of the
payer.
[19] The present invention also constructs an online payment verification
system, which
includes a payer terminal device and a payee terminal device, which is
connected
between the payer terminal device and the payee terminal device electronic
money
verification center, and a plurality of bank servers connected to the
electronic money
verification center:
[20] The payment terminal device is used to submit a payment request in the
form of an
3
Date Recue/Date Received 2020-11-20

electronic money settlement of any one of the online payment transactions to
the
electronic money verification center;
[21] The electronic money verification center is used for receiving the
payment request and
performing authenticity verification on the electronic money in the online
payment
transaction according to the set electronic money verification rule;
[22] The electronic money verifying center also judges whether the
electronic money passes
the authenticity verification, and when the electronic money passes the
authenticity
verification, delivers the electronic money to the bank server involved in the
online
payment transaction and instructs the bank. The server performs a transfer
operation
equal to the payment amount of the electronic money.
[23] In the above online payment verification system of the present
invention, the electronic
money verification center includes a database for storing first payment
information
reserved for online payment verification respectively reserved by respective
depositors.
[24] In the above-mentioned online payment verification system of the
present invention, the
electronic money verification center further comprises a communication module
and an
electronic money verification module;
[25] The communication module is used to receive a payment request in
electronic money
settlement form submitted by the payee terminal device, and receive reply
information
for the payment request by the payee terminal device, and enter the reply
information
into the electronic currency verification module;
[26] The electronic money verification module is used to perform
authenticity verification on
the electronic money according to the set electronic money verification rule
when
receiving the reply information for indicating the verification of the
electronic money
verification operation;
[27] The electronic money verification module is further configured to
generate prompt
information for cancelling the electronic money verification operation when
receiving
the reply information for indicating that the electronic money verification
operation is
rejected, and deliver the prompt information to the electronic money
verification server
payment terminal device and the payee terminal device.
[28] In the above online payment verification system of the present
invention, the electronic
money verification module comprises an electronic money verification
information
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Date Recue/Date Received 2020-11-20

extraction unit and an electronic money verification information comparison
unit;
[29] The electronic money verification information extraction unit is used
to extract first
payment verification information in the electronic money;
[30] The electronic money verification information comparison unit is used
to read second
payment verification information of the database reserved by a payer of the
electronic
money, and compare the second payment verification information with the first
payment
verification information wherein the first payment verification information
includes first
account information and an encryption key used for secure payment, and the
second
payment verification information includes second account information and a
decryption
secret for solving the online payment transaction key;
[31] The electronic money verification information comparison unit is
further configured to
generate prompt information indicating that the electronic money verification
is
successful or not, when it is determined that the first payment information
and the
second payment verification information completely correspond to each other,
or
determine whether the first payment information matches when the second
payment
verification information does not completely correspond to each other,
generating
prompt information for verifying the failure of the electronic money
verification, and
inputting prompt information indicating the success / failure of the
verification of the
electronic money to the communication module;
[32] The communication module is further configured to forward the received
prompt
information indicating the success / failure of the electronic money
verification to the
payee terminal device and the payee terminal device involved in the online
payment
transaction.
[33] In the above-mentioned online payment verification system of the
present invention, the
electronic money verification center further comprises an electronic money
verification
result recording module and a payment credit evaluation module;
[34] The electronic money verification result recording module is used to
record the
authenticity verification result of the electronic money and write the record
result into
the database;
[35] The payment credit evaluation module is used to read the electronic
money authenticity
verification result stored in the database, and determine, according to the
electronic
Date Recue/Date Received 2020-11-20

money authenticity verification result, that the number of failed electronic
money
verification involving the same payer exceeds the set electronic money when
the
maximum number of verification failures is exceeded, the payment credit level
of the
payer is lowered.
[36] Since the online payment verification method and the online payment
verification
system of the present invention adopt the establishment of an electronic money

verification center which is authorized by major banks and can be docked with
major
banks through which the electronic money verification center so that it
overcomes the
lack of effective supervision and authenticity verification mechanisms for
various
electronic currencies circulated in the network in the prior art, thereby
resulting in the
indiscriminate proliferation of forged electronic money, a defect that causes
serious
damage to the user's interests, to curb the trend of online proliferation of
counterfeit
electronic bills, effectively crack down on rampant acts of criminals wanton
forgery of
all kinds of electronic money, improve the security of online payment users,
and thus to
achieve the popularization of the electronic money to build a healthy and
orderly online
payment environment beneficial effects.
Brief Description
[37] Figure 1 is a schematic diagram of a first structure of an online
payment verification
system according to a preferred example of the present invention;
[38] Figure 2 is a second schematic structural diagram of an online payment
verification
system according to a preferred example of the present invention;
[39] Figure 3 is a block diagram of the electronic money verification
center of the online
payment verification system shown in Figure 1 and Figure 2;
[40] Figure 4 is a structural block diagram of the electronic money
verification module of the
electronic money verification center shown in Figure 3;
[41] Figure 5 is a flowchart of an online payment verification method
according to a
preferred example of the present invention.
Description of the Preferred Examples
[42] In order to solve the problem that there is no effective regulatory
and authenticity
verification mechanism for various electronic currencies circulated in the
network in the
existing technology, the fake electronic money is caused to overflow and the
rights and
6
Date Recue/Date Received 2020-11-20

interests of users in the payment process are severely damaged. The main
innovation of
the present invention lies in: 1) establishing an electronic money
verification center 200
authorized by major banks and capable of performing business connection with
major
banks for conducting various electronic money circulating in the online
payment
process authenticity verification, the electronic money verification center
200 only
receives the confirmation information of the same online payment transaction
from the
paying party and the receiving party, and the electronic money in the online
payment
transaction can only instruct it after it is verified by the security. The
relevant bank
performs the fund transfer operation to complete the online payment
transaction so as to
ensure the safety of the user in making the online payment; 2) the database
203 of the
electronic money verification center 200 stores the electronic money
verification record
information for the user to inquire; 3) The electronic money verification
center 200 has
the function of depositors to pay credit rating, it can provide reference for
users' online
purchase and payment, and further improve the security of users' online
payment.
[43] Since the present invention adopts the design of an electronic money
verification center
200 authorized by major banks and capable of doing business with major banks
through
which the electronic money verification center 200 conducts authenticity
verification on
various electronic money circulating in online payment. Therefore, it solves
the
problems of lack of effective supervision and authenticity verification
mechanisms for
various electronic currencies circulated in the network in the existing
technology,
thereby resulting in the indiscriminate proliferation of forged electronic
money and the
technical problems that cause serious damage to the rights and interests of
users, thus
curbing the proliferation of counterfeit electronic banknotes and effectively
cracking
down on the rampant acts of criminals wantonly forging electronic money so as
to
enhance the security of users' online payment behaviour and then the purpose
of
building a healthy and orderly online payment environment is to realize the
popularization and popularization of electronic money.
[44] In order to make the object of the present invention more
comprehensible, the present
invention will be further described in detail below with reference to the
accompanying
drawings and examples. It is to be understood that the specific examples
described
herein are merely illustrative of the invention but not intended to limit the
invention.
7
Date Recue/Date Received 2020-11-20

[45] Figure 1 is a first structural schematic diagram of the online payment
verification
system of the present invention. As shown in Figure 1, the online payment
verification
system of the present invention includes a payer terminal device 100, a payee
terminal
device 300, an electronic money verification center 200 connected between the
payer
terminal device 100 and the payee terminal device 300 And a bank server 400
connected
to the electronic money verification center 200.
[46] Wherein, the payer terminal device 100 is used to receive a payer's
payment command,
and submit a payment request for online payment transaction to the electronic
money
verification center 200.
[47] The electronic money verification center 200 is used for receiving the
payment request
and performing authenticity verification on the electronic money in the online
payment
transaction according to the set electronic money verification rule.
[48] The electronic money verification center 200 is further configured to
search the bank
account of the payer bank of the electronic money and the bank server 400
corresponding to the bank account of the payer when the electronic money
passes the
authenticity verification of the electronic money. The debit bank account
information is
delivered to the bank server 400 and a debit request is submitted to the bank
server 400.
[49] The bank server 400 is used to, when receiving the transfer request,
transfer the funds
equivalent to the electronic money from the payer bank account to the payee
bank
account.
[50] Wherein, the payer terminal device 100 and the payee terminal device
300 may be an
existing information processing terminal such as a desktop computer or a
laptop, and the
electronic money authentication center 200 may be an authentication server.
[51] Figure 2 is a second schematic structural diagram of the online
payment verification
system of the present invention. The difference between the online payment
verification
system disclosed in Figure 2 and the online payment verification system
disclosed in
Figure 1 is that both the payer terminal device 100 and the payee terminal
device 300
communicate with the electronic money verification center 200 through a
wireless
network. The payer terminal device 100 and the payee terminal device 300 may
be
existing information processing terminals such as a smart phone, a tablet
computer and
so on.
8
Date Recue/Date Received 2020-11-20

[52] As shown in Figure 3, the electronic money verification center 200 of
the present
invention includes an electronic money verification module 202, a
communication
module 201 electrically connected to the electronic money verification module
202, a
database 203, and an electronic money electrically connected to the database
203,
verification result record module 204, and a payment credit evaluation module
205.
[53] The database 203 prestores first payment verification information
(including the first
account information and the encryption key used for secure payment) reserved
by each
saver for online payment verification.
[54] The communication module 201 is used to receive a payment request of
an online
payment transaction submitted by the payer terminal device 100, and deliver
the
payment request to the electronic money verification module 202.
[55] The electronic money verification module 202 is used to deliver the
electronic money
verification request information of the online payment transaction to the
payee terminal
device 300 via the communication module 201 when receives the payment request.
[56] The communication module 201 is further configured to receive reply
information for
the electronic money verification request from the payee terminal device 300
and input
the reply information into the electronic money verification module 202.
[57] The electronic money verification module 202 is further configured to,
when receiving
reply information for confirming the electronic money verification request,
extract
second payment verification information in the electronic money (including the
second
account information and the information for solving the payment of the online
payment
decryption key of the transaction), verifying authenticity of the electronic
money
according to the set electronic money verification rule, and delivering a
reply message
of rejecting the electronic money verification request to the payer terminal
when
receiving reply information of rejecting the electronic money verification
request device
100 so that one of the payer / payee verifies and modifies the order
information and
payment amount of the online payment transaction.
[58] The electronic money verification result recording module 204 is used
to record the
electronic money verification result and write the record information to the
database
203.
[59] The payment credit evaluation module 205 is used to invoke the
electronic money
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Date Recue/Date Received 2020-11-20

verification result stored in the database 203 and determine, according to the
electronic
money verification result, that the number of failed electronic money
verification
involving the same payer exceeds the set number of failed electronic money
verification
limited time, reduce the payer's payment credit rating.
[60] As shown in Figure 4, the electronic money verification module 202
includes an
electronic money verification information extraction unit 2021 and an
electronic money
verification information comparison unit 2022 electrically connected to the
payment
verification information and the database 203.
[61] The electronic money verification information extraction unit 2021 is
used to extract
first payment verification information containing the first account
information and the
encryption key used for secure payment in the electronic money, and input the
first
payment verification information to the electronic money verification
information
comparison unit 2022.
[62] The electronic money verification information comparison unit 2022 is
used to invoke
the second payment verification information in the database 203 reserved by
the payer
of the electronic money and including the second account information and the
encryption key for secure payment and the second payment verification
information and
the first payment verification information are compared one by one to
authenticate the
electronic money, and the authenticity verification result of the obtained
electronic
money is input to the database 203.
[63] The following will illustrate the method for online payment
verification of the present
invention by taking the preferred example of the present invention as an
example:
[64] As shown in Figure 5, in step S101, the electronic money verification
center 200 stores
the second payment verification information reserved by each saver via the
database
203.
[65] In step S102, the payee / collector makes an online payment
transaction through the
respective payer terminal device 100 / payee terminal device 300, and the
payment
gateway determines, for the pen online payment transaction, through the payer
terminal.
The device 100 submits a payment request in electronic money settlement form
to the
electronic money verification center 200. The electronic money verification
center 200
receives the payment request through the communication module 201 and delivers
the
Date Recue/Date Received 2020-11-20

electronic money verification request of the online payment transaction to the
payee
terminal device 300 via the communication module 201.
[66] In step S103, if the communication module 201 receives the reply
information for
confirming the electronic money verification request of the payer terminal
device 100,
the communication module 201 inputs the confirmation information into the
electronic
money verification information extraction unit 2021. When receiving the
confirmation
information, the electronic money verification information extraction unit
2021 extracts
the first payment verification information (including the first account
information and
the decryption key used for solving the online payment transaction) in the
electronic
money, and the first payment verification information is entered into the
electronic
currency verification information comparison unit 2022.
[67] If the communication module 201 receives the reply message of
rejecting the electronic
money verification request from the payer terminal device 100, the mobile
phone
number verifying module 202 generates the message for cancelling the
electronic
money verification operation, and delivers the message to the communication
module
201 through the communication module 201. The prompt information is delivered
to the
payer terminal device 100 and the payee terminal device 300 respectively.
[68] In step S104, the electronic money verification information comparison
unit 2022 reads
the second payment verification information in the database 203 reserved by
the payer
of the electronic money and compares the second payment verification
information with
the first payment verification. The information is compared one by one.
[69] In step S105, if the electronic money verification information
comparison unit 2022
determines that the first payment verification information and the second
payment
verification information do not completely correspond to each other, the next
step S106
is executed; otherwise, the next step S107 is executed.
[70] In step S106, the electronic currency verification center 200
generates the prompt
information of the electronic currency verification failure, and delivers the
prompt
information of the electronic currency verification failure to the above
payment terminal
equipment 100 and the receiver terminal equipment 300 through the
communication
module 201.
[71] In step S107, the electronic currency verification center 200
generates the prompt
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Date Recue/Date Received 2020-11-20

information of the successful electronic currency verification, and delivers
the prompt
information of the successful electronic currency verification to the above
payment
terminal equipment 100 and the receiver terminal equipment 300 through the
communication module 201.
[72] In step S108, the electronic money verification center 200 searches
for the bank account
of the paying bank corresponding to the electronic money and the bank server
400
corresponding to the bank account of the paying party, and delivers the
electronic
money and the bank account of the paying party to the bank server 400 and
instructs the
bank server 400 to perform a fund transfer operation equivalent to the
electronic money.
[73] In step S109, the bank server 400 accepts the fund transfer request of
the electronic
money verification center 200 and transfers the money equivalent to the
electronic
money from the bank account of the payer to the bank account of the payee.
[74] The foregoing is merely a preferred example of the present invention
and is not intended
to limit the invention, and any modifications, equivalent substitutions and
improvements
within the spirit and principles of the invention are intended to be included
in the scope
of the invention.
12
Date Recue/Date Received 2020-11-20

Representative Drawing