PROCESSING METHOD AND PROCESSING SYSTEM FOR ORDER DATA IN NETWORK PAYMENT SYSTEM

• US 20140195386A1
• Filed: 03/11/2014
• Published: 07/10/2014
• Est. Priority Date: 09/19/2011
• Status: Abandoned Application

• Current Assignee: Tencent Technology Company Limited (Tencent Holdings Limited)
• Original Assignee: Tencent Technology Company Limited (Tencent Holdings Limited)
• Inventors: WANG, SONG-XU, LONG, HAI
• Application Number:
  US14/205,350
• Publication Number:
  US 20140195386A1
• Time in Patent Office: Days
• US Class Current: 705/26.82
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0637 Approvals

Abstract

A processing method for order data in a network payment system. The processing method includes: receiving an order instruction issued from a user terminal; generating an order data including a connected user account information according to the order instruction; sending the order data and prompting a confirmation to the user terminal and notifying the user terminal to send the order data to a network bank system in response to a receiving of a confirmation instruction from a user account and thereby configuring the network bank system to verify the order data; and presenting the order data including the connected user account information to the user terminal after the network bank system returning that a corresponding verification result is positive. A processing system for order data in a network payment system is also provided. Thus, the network payment system has higher data security.

Claims

1. A processing method for order data in a network payment system, the processing method comprising:

receiving an order instruction issued from a user terminal;

generating an order data including a connected user account information according to the order instruction;

sending the order data and prompting a confirmation to the user terminal and notifying the user terminal to send the order data to a network bank system in response to a receiving of a confirmation instruction from a user account and thereby configuring the network bank system to verify the order data; and

presenting the order data including the connected user account information to the user terminal after the network bank system returning that a corresponding verification result is positive.

2. The processing method according to claim 1, wherein:

the step of sending the order data and prompting a confirmation to the user terminal and notifying the user terminal to send the order data to a network bank system in response to a receiving of a confirmation instruction from a user account and thereby configuring the network bank system to verify the order data further comprises;

prompting the user account to enter the connected user account information and sending the connected user account information entered by the user account to the network bank system;

wherein the step of presenting the order data including the connected user account information to the user terminal after the network bank system returning that a corresponding verification result is positive further comprises;

comparing, when the verification result obtained by verifying the order data is positive, the connected user account information included in the order data with the connected user account information entered by the user account and presenting a corresponding comparison result to the user account.

3. The processing method according to claim 1, wherein the step of presenting the order data including the connected user account information to the user terminal after the network bank system returning that a corresponding verification result is positive further comprises:

sending, by the network bank system, the received order data to the merchant system;

verifying, by the merchant system and after the order data is received, the order data by using a verification method same as the network bank system adopts and returning a corresponding verification result to the network bank system; and

presenting, by the network bank system and after the corresponding verification result is received, the corresponding verification result to the user account.

4. The processing method according to claim 1, wherein the connected user account information comprises a connected buyer account information and/or a connected seller account information.

5. A processing system for order data in a network payment system, the processing system comprising:

an order instruction receiving module disposed in a merchant system and configured to receive an order instruction issued from a user terminal;

an order data generating module disposed in the merchant system and configured to generate an order data including a connected user account information according to the order instruction;

an order prompting module disposed in the merchant system and configured to send the order data and prompt a confirmation to the user terminal and notify the user terminal to send the order data to a network bank system in response to a receiving of a confirmation instruction from the user account;

a verification module disposed in the network bank system and configured to verify the received order data; and

a presentation module disposed in the network bank system and configured to, when a verification result obtained by verifying the received order data is positive, present the order data comprising the connected user account information to the user terminal.

6. The processing system according to claim 5, wherein:

the order prompting module is further configured to notify the user terminal to prompt the user account to enter the connected user account information and send the connected user account information entered by the user account to the network bank system;

wherein the processing system further comprises a comparison module disposed in the network bank system and configured to, when the verification result obtained by verifying the order data is positive, compare the connected user account information included in the order data with the connected user account information entered by the user account and send a corresponding comparison result to the presentation module for being presented to the user account.

7. The processing system according to claim 5, further comprising:

a second-time verification transceiver module disposed in the network bank system and configured to send the received order data to the merchant system for a second-time verification when the verification module returns that the corresponding verification result of the order data is positive, receive a second-time verification result returned from the merchant system, and send the second-time verification result to the presentation module for being presented to the user terminal; and

a second-time verification module disposed in the merchant system and configured to perform the second-time verification on the order data sent from the network bank system by using a verification method same as the network bank system adopts, and return the second-time verification result to the network bank system.

8. The processing system according to claim 5, wherein the connected user account information comprises a connected buyer account information and/or a connected seller account information.