CN103985033A - Method for implementing internet payment and internet payment platform - Google Patents

Abstract

The invention discloses a method for implementing internet payment and an internet payment platform. The method comprises the steps of receiving an investment payment request sent by an internet lending platform; verifying the user status of a first user; when the verification succeeds, querying the current remaining lending amount of a lending party; responding to a situation that the investment amount does not exceed the current remaining lending amount, transferring fund from the user account of the first user to an escrow account according to the investment amount, and reckoning the investment amount in the current paid investment amount of the lending party; sending payment success information to the internet lending platform, so that the internet lending platform takes the first user as an investment user of the lending party; when the current paid investment amount reaches the total lending amount, transferring the fund of the total lending amount in the escrow account to the user amount of the borrowing user of the lending party. By adopting the method and the internet payment platform disclosed by the invention, the lending transaction of one-time lending payment corresponding to multi-times investment payment can realize internet payment on the independent internet payment platform.

Description

A kind of method and network payment platform of realizing online payment

Technical field

The present invention relates to internet information process field, particularly relate to a kind of method, network payment platform and system that realizes online payment.

Background technology

At present, along with popularizing of internet, on the platform that increasing transaction can provide in internet, realize.For example, the financial transaction realizing on the internet, by a network platform, loaning bill user can initiate a debt-credit target and raise funds, and investment user can be to this debt-credit target investment, this network platform is transferred to fund loaning bill user's account from investment user's account according to loaning bill user's debt-credit target situation and investment user's investment situation, thereby completes the fund procurement process of debt-credit transaction.

In the process of debt-credit transaction, because normally a plurality of investment of same debt-credit target user repeated investment just can make loan fund raise together, so, when certain investment user disburses funds for investing a debt-credit target, often due to the loan fund of this debt-credit target, do not raise and completely make to invest disbursing funds of user and can not proceed to immediately loaning bill user's account, investing user can not be immediately for the payment of making loans to loaning bill user for investing disbursing funds of payment.And in prior art, still the payment way that does not have a kind of network payment platform to provide can solve the disbursing funds of investment user causing due to the corresponding payment of once making loans of repeated investment payment in network debt-credit transaction can not proceed to the problem of loaning bill user account immediately, thereby causes the online payment of debt-credit transaction to be difficult to realize on network payment platform.

Summary of the invention

Technical matters to be solved by this invention is, a kind of method and network payment platform of realizing online payment is provided, with the capital fund causing due to the corresponding payment of once making loans of repeated investment payment in solution network debt-credit transaction, can not proceed to immediately the problem of borrower's account, thereby the online payment of debt-credit transaction can be realized on network payment platform.

For solving the problems of the technologies described above, the invention provides a kind of method that realizes online payment, the method is applied to network payment platform, comprising:

Receive the investment payment request that network debt-credit platform sends; Described investment pays request and generates for the investment confirmation of described network debt-credit platform based on receiving, and described investment confirmation represents that first user confirms with investment amount, debt-credit target to be invested;

According to described investment, pay the subscriber identity information that represents described first user in request, to described first user identifying user identity;

Subscriber authentication success in response to described first user, pays the sign that represents described debt-credit target in request according to described investment, inquire about the current residual credit amount of described debt-credit target; Described in the record that described current residual credit amount is described network payment platform, borrow or lend money the poor of the debt-credit total charge of target and the current paying off the investment of described debt-credit target;

The described investment amount paying in request in response to described investment is no more than described current residual credit amount, according to described investment amount, from the user account of described first user, in the trustship account of described network payment platform, proceed to fund, and described investment amount is counted to the current paying off the investment of described debt-credit target;

To described network debt-credit platform, send and pay successful information, so that described network debt-credit platform is based on described payment successful information, described first user is recorded as to the investment user of described debt-credit target;

In the situation that described current paying off the investment reaches described debt-credit total charge, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in loaning bill user's the user account of described debt-credit target.

Optionally, described in the situation that described current paying off the investment reaches described debt-credit total charge, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in loaning bill user's the user account of described debt-credit target, comprising:

Receive the payment request of making loans that network debt-credit platform sends for described debt-credit target;

Described in foundation, make loans and pay the sign that represents described debt-credit target in request, whether verify that described debt-credit target is current meets the condition of making loans, if so, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in the user account into the loaning bill user of described debt-credit target;

Wherein, described in, the condition of making loans comprises: described debt-credit total charge equates with described current paying off the investment.

Optionally, the request that pays of making loans described in represents to ask described network payment platform with the amount of money of making loans, the fund of described debt-credit target to be made loans to the second user;

The described condition of making loans also comprises: described in make loans pay in request described in the amount of money of making loans equate with described debt-credit total charge, and/or, described in make loans that to pay the user's that represents in request to borrow money described in described the second user's subscriber identity information and the record of described network payment platform subscriber identity information identical.

Optionally, also comprise:

Receive the refund payment request that network debt-credit platform sends; Described refund pays request and generates for the refund confirmation of described network debt-credit platform based on receiving, and described refund confirmation represents that the 3rd user amount of money of confirming to refund refunds to described debt-credit target;

According to described refund, pay the subscriber identity information that represents described the 3rd user in request, to described the 3rd user rs authentication user identity;

Subscriber authentication success in response to described the 3rd user, according to described investment, pay the sign that represents described debt-credit target in request, inquire about whether described in the record of described network payment platform, borrow or lend money loaning bill user's the subscriber identity information of target identical with described the 3rd user's subscriber identity information, if so, the fund of the dollar amount of refunding described in described the 3rd user's user account is proceeded in described trustship account;

According to each investment distribution amount of money corresponding to user of described debt-credit target, the fund of the quantity of refunding described in described trustship account is distributed to investing described in each in user's user account.

Optionally, the described distribution amount of money corresponding to each investment user according to described debt-credit target, distributes the fund of the quantity of refunding described in described trustship account to investing described in each in user's user account, comprising:

Receive the distribution payment request that described network debt-credit platform sends, described distribution pays request and represents to ask described network payment platform according to the distribution amount of money corresponding to each investment user of described debt-credit target, the refund fund of described debt-credit target to be distributed to investing user described in each;

According to described distribution, pay the sign that represents described debt-credit target in request, whether verify that described debt-credit target is current meets distribution conditions, if, according to each investment distribution amount of money corresponding to user of described debt-credit target, from described trustship account, to investing described in each in user's user account, proceed to fund;

Wherein, described distribution conditions comprises: described in each in described distribution payment request, distribute amount of money sum and equate with the refund amount of money of described debt-credit target, pay and in request, represent to invest described in each that described in subscriber identity information of user and the record of described network payment platform, to borrow or lend money each subscriber identity information of investing user of target corresponding identical one by one with, described distribution.

In addition, the present invention also provides a kind of network payment platform of realizing online payment, and this network payment platform comprises:

Investment requests receiver module, the investment payment request sending for receiving network debt-credit platform; Described investment pays request and generates for the investment confirmation of described network debt-credit platform based on receiving, and described investment confirmation represents that first user confirms with investment amount, debt-credit target to be invested;

The first authentication module, for paying according to described investment the subscriber identity information that request represents described first user, to described first user identifying user identity;

Remaining sum enquiry module, the subscriber authentication success in response to described first user, pays the sign that represents described debt-credit target in request according to described investment, inquire about the current residual credit amount of described debt-credit target; Described in the record that described current residual credit amount is described network payment platform, borrow or lend money the poor of the debt-credit total charge of target and the current paying off the investment of described debt-credit target;

Investment payment record module, for pay the described investment amount of request in response to described investment, be no more than described current residual credit amount, according to described investment amount, from the user account of described first user, in the trustship account of described network payment platform, proceed to fund, and described first amount of money is counted to the current paying off the investment of described debt-credit target;

Successful information sending module, for sending and pay successful information to described network debt-credit platform, so that described network debt-credit platform is based on described payment successful information, is recorded as described first user the investment user of described debt-credit target;

The payment module of making loans, in the situation that described current paying off the investment reaches described debt-credit total charge, proceeds to the fund of borrowing or lending money total charge quantity described in described trustship account in loaning bill user's the user account of described debt-credit target.

Optionally, the payment module of making loans described in comprises:

The request receiving submodule of making loans, pays request for receiving making loans that network debt-credit platform sends for described debt-credit target;

The condition Verification submodule of making loans, pays for making loans described in foundation the sign that request represents described debt-credit target, verifies that described debt-credit target is current whether to meet the condition of making loans; Wherein, described in, the condition of making loans comprises: described in the condition of making loans comprise: described debt-credit total charge equates with described current paying off the investment;

The debt-credit submodule of transferring accounts, in the situation that the result of the described condition Verification submodule of making loans is to be, proceeds to the fund of borrowing or lending money total charge quantity described in described trustship account in the user account into the loaning bill user of described debt-credit target.

Optionally, the request that pays of making loans described in represents to ask described network payment platform with the amount of money of making loans, the fund of described debt-credit target to be made loans to the second user;

The described condition of making loans also comprises: described in make loans pay in request described in the amount of money of making loans equate with described debt-credit total charge, and/or, described in make loans that to pay the user's that represents in request to borrow money described in described the second user's subscriber identity information and the record of described network payment platform subscriber identity information identical.

Optionally, also comprise:

Refund request receiving module, the refund payment request sending for receiving network debt-credit platform; Described refund pays request and generates for the refund confirmation of described network debt-credit platform based on receiving, and described refund confirmation represents that the 3rd user amount of money of confirming to refund refunds to described debt-credit target;

The second authentication module, for paying according to described refund the subscriber identity information that request represents described the 3rd user, to described the 3rd user rs authentication user identity;

Loaning bill user investigates module, for the subscriber authentication success in response to described the 3rd user, according to described investment, pay the sign that represents described debt-credit target in request, inquire about whether described in the record of described network payment platform, borrow or lend money loaning bill user's the subscriber identity information of target identical with described the 3rd user's subscriber identity information;

Refund payment module, in the situation that described loaning bill user investigates the Query Result of module is to be, proceeds to the fund of the total charge quantity of refunding described in described the 3rd user's user account in described trustship account;

Distribution payment module, for according to each investment distribution amount of money corresponding to user of described debt-credit target, distributes the fund of the quantity of refunding described in described trustship account to investing described in each in user's user account.

Optionally, described distribution payment module comprises:

Dispense request receives submodule, the distribution payment request sending for receiving described network debt-credit platform, described distribution pays request and represents to ask described network payment platform according to the distribution amount of money corresponding to each investment user of described debt-credit target, the refund fund of described debt-credit target to be distributed to investing user described in each;

Distribution conditions checking submodule, for paying according to described distribution the sign that request represents described debt-credit target, verifies that described debt-credit target is current and whether meets distribution conditions; Wherein, described distribution conditions comprises: described in each in described distribution payment request, distribute amount of money sum and equate with the refund amount of money of described debt-credit target, pay and in request, represent to invest described in each that described in subscriber identity information of user and the record of described network payment platform, to borrow or lend money each subscriber identity information of investing user of target corresponding identical one by one with, described distribution;

Distribute the triggering submodule of transferring accounts, be used in the situation that the result of described distribution conditions checking submodule is to be, according to each investment distribution amount of money corresponding to user of described debt-credit target, from described trustship account, to investing described in each in user's user account, proceed to fund.

Compared with prior art, the present invention has the following advantages:

In the technical scheme providing in the embodiment of the present application: when first user is confirmed with investment amount, debt-credit target to be invested, the investment confirmation of network debt-credit platform based on receiving generates investment payment request Concurrency and gives network payment platform, then, the subscriber identity information that network payment platform pays first user in request according to investment is to first user identifying user identity, when being proved to be successful, according to investment, pay the current residual credit amount of the sign inquiry debt-credit target that represents debt-credit target in request, in the situation that investment pays investment amount in request, be no more than current residual credit amount the trustship account from the user account of first user to network payment platform proceeds to fund and described investment amount counted to the current paying off the investment of described debt-credit target according to investment amount, to network debt-credit platform, send and pay successful information again, then, network debt-credit platform is recorded as this debt-credit target with first user investment user based on this payment successful information counts the gross investment amount of money of this investment user to this investment target by investment amount, thereby complete, once invest payment process, and after having passed through and having invested payment process at least one times, in the record of network payment platform, the current paying off the investment of this debt-credit target reaches in the situation of its debt-credit total charge, the fund of this debt-credit total charge quantity in trustship account is proceeded in loaning bill user's the user account of this debt-credit target, thereby completed the make loans process of this debt-credit target to loaning bill user.As can be seen here, by network, borrow or lend money the mutual of platform and network payment platform, network payment platform in investment payment process to investment user's subscriber authentication and the process of making loans in to the checking of paying off the investment and investment user has been paid but the fund of not making loans to loaning bill user is positioned in the trustship account of network payment platform, thereby solved in network debt-credit transaction and paid because repeated investment pays corresponding once making loans the problem that the capital fund causing can not proceed to borrower's account immediately, the online payment that makes repeated investment pay the debt-credit transaction of the corresponding payment of once making loans can realize on the network payment platform that is independent of network debt-credit platform.

Accompanying drawing explanation

In order to be illustrated more clearly in the embodiment of the present application or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, the accompanying drawing the following describes is only some embodiment that record in the application, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.

Fig. 1 is the basic flow sheet of realizing the embodiment of the method 1 of online payment in the application;

Fig. 2 is the process flow diagram of payment process one embodiment of making loans in the embodiment of the present application;

Fig. 3 is the process flow diagram of payment process one embodiment of refunding in the embodiment of the present application;

Fig. 4 distributes the process flow diagram of payment process one embodiment in the embodiment of the present application;

Fig. 5 is the structural drawing of realizing the network payment platform embodiment 1 of online payment in the application;

Fig. 6 is the structural drawing of payment module 506 1 embodiments of making loans in the embodiment of the present application;

Fig. 7 is the structural drawing of realizing the network payment platform embodiment 2 of online payment in the application;

Fig. 8 distributes the structural drawing of payment module 705 1 embodiments in the embodiment of the present application.

Embodiment

In order to make those skilled in the art person understand better the application's scheme, below in conjunction with the accompanying drawing in the embodiment of the present application, technical scheme in the embodiment of the present application is clearly and completely described, obviously, described embodiment is only the application's part embodiment, rather than whole embodiment.Embodiment based in the application, those of ordinary skills are not making the every other embodiment obtaining under creative work prerequisite, all belong to the scope of the application's protection.

Inventor finds through research, for internet business, security consideration for user's fund, the payment platform that conventionally need to be independent of transaction platform carries out payment and settlement for fund specially, so that disburse funds for both parties user's trustship, thereby in process of exchange, guarantee fund security for both parties user in the situation that transaction exists time delay.But, because the network payment platform providing in prior art is all only aimed at man-to-man trade mode, but for borrowing or lending money this many-to-one trade mode of transaction, in prior art, also appearance can be adapted to the corresponding payment of once making loans of repeated investment payment for it provides, realization has paid but do not made loans and to loaning bill user's fund, carry out the online payment platform of trustship investment user.

Based on above-mentioned research, the application's main thought is: a network payment platform being independent of outside network debt-credit platform is provided, mutual, the network payment platform of borrowing or lending money platform and network payment platform by network in investment payment process to investment user's subscriber authentication and the process of making loans in to the checking of paying off the investment and investment user has been paid but the fund of not making loans to loaning bill user is positioned in the trustship account of network payment platform, complete the fund procurement process of debt-credit transaction.Particularly, network payment platform is when the investment that receives network debt-credit platform pays request, to the first user identifying user identity that debt-credit target is invested indicating in this request, and the current residual credit amount that whether is no more than this debt-credit target when authentication success by inquiring about the investment amount of this first user determines whether to accept this user this investment requests to this debt-credit target, at Query Result, be according to investment amount, the fund in the account of this first user to be proceeded to trustship account while being no more than, and send and pay success message to network debt-credit platform, thereby complete, once invest payment process, and after having passed through and having invested payment process at least one times, in the situation that the current paying off the investment of this debt-credit target reaches debt-credit total charge in the record of network payment platform, network payment platform proceeds to the fund of borrowing or lending money total charge quantity in trustship account in loaning bill user's the user account of this debt-credit target again, thereby complete the payment process of making loans, finally realize the fund procurement process of network debt-credit transaction.

Below in conjunction with accompanying drawing, by embodiment, describe in detail and in the application, realize the method for online payment and the implementation of network payment platform.

Referring to Fig. 1, show the basic flow sheet of the embodiment of the method 1 that realizes online payment in the application.The present embodiment can be applied to network payment platform, and this network payment platform is independent of outside network debt-credit platform.The present embodiment for example can comprise the steps:

The investment that S101, reception network debt-credit platform send pays request; Described investment pays request and generates for the investment confirmation of described network debt-credit platform based on receiving, and described investment confirmation represents that first user confirms with investment amount, debt-credit target to be invested.

First user can be undertaken alternately by its client and network debt-credit platform, checks the debt-credit target having created on network debt-credit platform and selects, and setting investment amount.When first user is confirmed with the investment amount of its setting, its selected debt-credit mark to be invested, can to network debt-credit platform, send investment confirmation by its client, and network debt-credit platform is receiving this investment confirmation, to network payment platform, send investment and pay request, so that trigger network payment platform completes the payment of this investment of first user.Wherein, the first user of the present embodiment indication, can be to trigger any user that investment pays request.

Be understandable that, investment pays request and generates based on investment confirmation, particularly, the subscriber identity information of first user be can comprise, the sign of the debt-credit target that first user will be invested and the investment amount that described first user is set this investment represented.In addition, for network payment platform, to borrowing or lending money target, further verify, investment pays the information such as issuing time that can also carry the loaning bill user's who records for this debt-credit target in network debt-credit platform subscriber identity information, debt-credit total charge and this debt-credit target in request.Wherein, subscriber identity information can be ID, name or the identification card number etc. of user place system.

S102, the described investment of foundation pay the subscriber identity information that represents described first user in request, to described first user identifying user identity.

Wherein, for the verification mode of the user identity of first user, can be whether to mate to verify with the subscriber identity information of first user by user cipher, identifying code.Wherein, a kind of presentation mode of identifying code can be in terminal, to be shown to first user to the indicated terminal transmission of the reserved telephone number of first user.

It should be noted that, obtain manner to user cipher or identifying code in the subscriber authentication of first user, can be that first user inputs and send to network payment platform in its client, or, can be also that network debt-credit platform sends to network payment platform.

S103, successful in response to the subscriber authentication of described first user, pays the sign that represents described debt-credit target in request according to described investment, inquire about the current residual credit amount of described debt-credit target; Described in the record that described current residual credit amount is described network payment platform, borrow or lend money the poor of the debt-credit total charge of target and the current paying off the investment of described debt-credit target.

Particularly, network payment platform can be borrowed or lent money target for each and create a target record, records the sign of this debt-credit target, information such as loaning bill user's subscriber identity information, debt-credit total charge, current paying off the investments in record.When receiving investment payment request, network payment platform can remove to search the record of this debt-credit target according to the sign of borrowing or lending money target in investment payment request, thus the current residual credit amount of inquiring about this debt-credit target according to the debt-credit total charge in its record and current paying off the investment.What wherein, paying off the investment represented is the amount of money summation of all capital funds of paying to this debt-credit target.

S104, the described investment amount paying in request in response to described investment are no more than described current residual credit amount, according to described investment amount, from the user account of described first user, in the trustship account of described network payment platform, proceed to fund, and described investment amount is counted to the current paying off the investment of described debt-credit target.

In network payment platform, for this investment, pay, except investment amount being counted the current paying off the investment of debt-credit target, can also create a bid payment record and record and be associated in the target of this debt-credit target for this investment pays.In this bid payment record, first user can be recorded as to the investment user of this debt-credit target, and record this investment user's subscriber identity information.The information such as investment amount that can also comprise in addition, this investment in this bid payment record.

S105, to described network debt-credit platform, send and pay successful information, so that described network debt-credit platform is based on described payment successful information, described first user is recorded as to the investment user of described debt-credit target.

In addition, network debt-credit platform is when receiving the payment successful information of network payment platform, can also to first user, show that investment pays successful interface by the client of first user, and/or, described investment amount can also be counted to the gross investment amount of money of described investment user to described debt-credit target.

Be understandable that, pay successful information and be in the situation that the investment amount that the aforementioned current residual credit amount that authentication success and the S103 of first user are inquired is not less than first user completes when investment pays sends.And when the aforementioned current residual credit amount that authentication failure or the S103 of first user are inquired is less than the investment amount of first user, investment pays and can not complete, now network payment platform can send payment failed message, so that notice first user re-enters password or identifying code identifying user identity again, or, so that notice first user is modified to its investment amount.

S106, in the situation that described current paying off the investment reaches described debt-credit total charge, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in loaning bill user's the user account of described debt-credit target.

Be understandable that, the fund in S106 is by trustship account, to be proceeded to loaning bill user's user account, and what be also that S106 completes is the payment process of making loans.It should be noted that the payment process of making loans of S106 in the present embodiment can be to be triggered by network payment platform, network debt-credit platform or loaning bill user.

For example, in the embodiment that triggers the payment process of making loans by network payment platform, network payment platform can be borrowed or lent money the target record of target to this according to it, current paying off the investment to this debt-credit target is monitored, when monitoring the current paying off the investment of this debt-credit target, reach debt-credit during total charge, can, according to the loaning bill user of indication in target record, from trustship account, in loaning bill user's account, proceed to fund.

And for example, by network debt-credit platform or loaning bill user, self triggered in the embodiment of the payment process of making loans, network payment platform can proceed to fund again when receiving the payment request of making loans of network debt-credit platform transmission from trustship account in loaning bill user's account.Particularly, can adopt embodiment as shown in Figure 2 to complete S106, can comprise:

Making loans that S201, reception network debt-credit platform send for described debt-credit target pays request.

Wherein, the request that pays of making loans can be that network debt-credit platform triggers voluntarily.For example, network debt-credit platform has recorded debt-credit total charge and the investment amount of each investment user to this debt-credit target of this debt-credit target, when the debt-credit total charge that monitors this debt-credit target equates with investment amount sum, just can send to make loans to network payment platform and pay request, so that network payment platform is made loans for this debt-credit target.

In addition, make loans that to pay request can be also that loaning bill user triggers voluntarily.For example, loaning bill user can be by the operation that trigger request is made loans to this debt-credit target on network debt-credit platform of its client, and network debt-credit platform sends to make loans to network payment platform and pays request under triggering.

S202, according to described in make loans and pay the sign that represents described debt-credit target in request, verify that described debt-credit target is current and whether meet the condition of making loans, if so, enter S203.

Wherein, in order to guarantee consistance between total charge of investment amount and debt-credit, guarantee the safety of fund in trustship account, described in the condition of making loans at least need to comprise: described debt-credit total charge equates with described current paying off the investment.Particularly, the target sign that network payment platform can pay according to making loans in request removes to search the record of this loaning bill target, then in the record of this loaning bill target, obtains debt-credit total charge and current paying off the investment and compares.

Be understandable that, in order to realize the payment of making loans, making loans to pay in request needs to comprise the sign of borrowing or lending money target.In addition, for further cash credit is accurate, make loans to pay and ask specifically to represent to ask network payment platform with the amount of money of making loans, the fund of this debt-credit target to be made loans to the second user, also, make loans to pay in request and can also comprise the targeted customer's (the second user) who makes loans subscriber identity information and the amount of money of making loans.Now, the condition of making loans can also comprise: described in make loans pay in request described in the amount of money of making loans equate with described debt-credit total charge, and/or, described in make loans that to pay the user's that represents in request to borrow money described in described the second user's subscriber identity information and the record of described network payment platform subscriber identity information identical.

S203, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in the user account into the loaning bill user of described debt-credit target.

Be understandable that, after S203 completes, network payment platform can be borrowed or lent money this target and be recorded as the target of having made loans, and sends to network debt-credit platform the successful information of making loans, so that the second user that informing network debt-credit platform and/or request are made loans makes loans, pays successfully.

In addition, in S202, definite debt-credit target is current does not meet while making loans condition, can borrow or lend money platform to network and send the failure information of making loans, so that the second user that informing network debt-credit platform and/or request are made loans makes loans, pays unsuccessfully.

Then return to Fig. 1.

After S106 is finished, the fund procurement process of debt-credit transaction just can complete.After S106, loaning bill user also need to refund to each investment user in debt-credit target prescribed time-limit.In order to realize refund process on the network payment platform further providing at the present embodiment, as shown in Figure 3, the present embodiment, after S106, can also comprise the following steps:

The refund that S301, reception network debt-credit platform send pays request; Described refund pays request and generates for the refund confirmation of described network debt-credit platform based on receiving, and described refund confirmation represents that the 3rd user amount of money of confirming to refund refunds to described debt-credit target.

The 3rd user can be undertaken alternately by its client and network debt-credit platform, to refunding to the debt-credit target of repayment period on network debt-credit platform.When the 3rd user confirms to refund the amount of money when its selected debt-credit mark is refunded, can to network debt-credit platform, send refund confirmation by its client, and network debt-credit platform is receiving this refund confirmation, to network payment platform, send to refund to pay and ask, so that trigger network payment platform completes the payment of this refund of first user.Wherein, the 3rd user of the present embodiment indication, can be to trigger to refund to pay any user of request; The refund amount of money can calculate according to the debt-credit total charge of borrowing or lending money target by network debt-credit platform, and for example, the mode of calculating can be formula or the function that network debt-credit platform sets in advance.

Be understandable that, refund to pay and ask to generate based on refund confirmation, particularly, can comprise the refund amount of money that the 3rd user's subscriber identity information, the sign that represents the debt-credit target that the 3rd user will refund and described the 3rd user refund and set this.

S302, the described refund of foundation pay the subscriber identity information that represents described the 3rd user in request, to described the 3rd user rs authentication user identity.

Wherein, for the verification mode of the 3rd user's user identity, similar to the subscriber authentication of first user, can be whether to mate to verify with the 3rd user's subscriber identity information by user cipher, identifying code.

S303, successful in response to described the 3rd user's subscriber authentication, according to described investment, pay the sign that represents described debt-credit target in request, inquire about whether described in the record of described network payment platform, borrow or lend money loaning bill user's the subscriber identity information of target identical with described the 3rd user's subscriber identity information, if so, enter S304.

In network payment platform, for this, refund to pay, can also refund to pay for this creates a refund payment record and records and be associated in the target of this debt-credit target.In this refund payment record, can record this information such as the refund amount of money of payment to this debt-credit target of refunding.

S304, the fund of the dollar amount of refunding described in described the 3rd user's user account is proceeded in described trustship account.

Be understandable that, after S304 is complete, network payment platform can also be borrowed or lent money platform to network and return to refund successful information, so that network debt-credit platform is shown to refund to the 3rd user by the 3rd user's client, pays successful interface.It should be noted that, refund successful information is in the situation that aforementioned the 3rd user's authentication success and complete while refund paying identical with the 3rd user's subscriber identity information of the loaning bill user's that S303 inquires subscriber identity information are sent.And when aforementioned to the 3rd user's authentication failure or the loaning bill user's that S303 inquires subscriber identity information when not identical with the 3rd user's subscriber identity information, refund and pay and can not complete, now network payment platform can send refund failed message, to notify the 3rd user to re-enter password or identifying code identifying user identity again, or, to notify the 3rd user to modify to its refund amount of money.

S305, according to each investment distribution amount of money corresponding to user of described debt-credit target, the fund of the quantity of refunding described in described trustship account is distributed to investing described in each in user's user account.

Be understandable that, the fund in S305 is by trustship account, to be proceeded to investment user's user account, and what be also that S305 completes is the distribution payment process to refund fund.It should be noted that, in the distribution payment process of S305, the distribution amount of money corresponding to each investment user, can be to be triggered by network payment platform or network debt-credit platform.

For example, in the embodiment that triggers distribution payment process by network payment platform, network payment platform can be borrowed or lent money according to this target record of target, refund payment record to this debt-credit target is monitored, when monitoring the generation of refund payment record, the investment user who indicates in the investment payment record that can be associated according to target record proceeds to fund from trustship account in each investment user's user account.Wherein, the distribution amount of money got of each investment user, network payment platform can pay by refunds the networks such as request and borrow or lend money information that platform sends in advance and from network, borrow or lend money platform and obtain.

And for example, in the embodiment of the distribution payment process being triggered by network debt-credit platform, network payment platform can proceed to fund again receiving when the distribution that network debt-credit platform is sent pays request from trustship account in investment user's account.Particularly, can adopt embodiment as shown in Figure 4 to complete S305, can comprise:

S401, receive the distribution that described network debt-credit platform sends and pay request.

Wherein, described distribution pays and asks to represent to ask described network payment platform according to the distribution amount of money corresponding to each investment user of described debt-credit target, the refund fund of described debt-credit target to be distributed to investing user described in each.Particularly, distribution pays the sign that can comprise described debt-credit target in request, each investment user's subscriber identity information and the information such as the distribution amount of money corresponding to each investment user.Wherein, the distribution amount of money corresponding to each investment user, can be that the loaning bill user of this debt-credit target is set in advance on network debt-credit platform.

S402, according to described distribution, pay the sign that represents described debt-credit target in request, verify that described debt-credit target is current and whether meet distribution conditions, if so, enter S403.

Wherein, in order to guarantee to distribute the accuracy of payment funding in payment process, described distribution conditions can comprise: described in each in described distribution payment request, distribute amount of money sum and equate with the refund amount of money of described debt-credit target, pay and in request, represent to invest described in each that described in subscriber identity information of user and the record of described network payment platform, to borrow or lend money each subscriber identity information of investing user of target corresponding identical one by one with, described distribution.Particularly, for the refund amount of money of described debt-credit target, the refund payment record that network payment platform can be associated from the target record with this debt-credit target, obtain; For each investment user's of described debt-credit target subscriber identity information, network payment platform can record the bid payment record that be associated and obtain from target with this debt-credit target.

S403, according to each investment distribution amount of money corresponding to user of described debt-credit target, from described trustship account, to investing described in each in user's user account, proceed to fund.

Be understandable that, after S403 completes, network payment platform can be borrowed or lent money this target and be recorded as the target of distributing refund, and borrows or lends money platform transmission distribution successful information to network, so that distribution of informing network debt-credit platform and/or loaning bill user, each investment user refund pays successfully.In addition, after S403 completes, network payment platform can also be borrowed or lent money target for this and create refund payment record, and this refund payment record is associated with its target record.

In addition, in S402, determine and borrow or lend money when target is current does not meet distribution conditions, can borrow or lend money platform transmission to network and distribute failure information, so that the distribution of user's refund of refund is distributed in informing network debt-credit platform and/or request, pay unsuccessfully.

Then return to Fig. 3.

By the embodiment shown in Fig. 3, can be so that the corresponding online payment of distributing the debt-credit transaction of payment to a plurality of investment users of the payment of once refunding can realize on the network payment platform that is independent of network debt-credit platform.

Then return to Fig. 1.

By the technical scheme of the present embodiment, by network, borrow or lend money the mutual of platform and network payment platform, network payment platform in investment payment process to investment user's subscriber authentication and the process of making loans in to the checking of paying off the investment and investment user has been paid but the fund of not making loans to loaning bill user is positioned in the trustship account of network payment platform, thereby solved in network debt-credit transaction and paid because repeated investment pays corresponding once making loans the problem that the capital fund causing can not proceed to borrower's account immediately, the online payment that makes repeated investment pay the debt-credit transaction of the corresponding payment of once making loans can realize on the network payment platform that is independent of network debt-credit platform.

Corresponding to embodiment of the method, the application also provides a kind of network payment platform of realizing online payment.

Referring to Fig. 5, show the structural drawing of the network payment platform embodiment 1 that realizes online payment in the application.In the present embodiment, described network payment platform for example specifically can comprise:

Investment requests receiver module 501, the investment payment request sending for receiving network debt-credit platform; Described investment pays request and generates for the investment confirmation of described network debt-credit platform based on receiving, and described investment confirmation represents that first user confirms with investment amount, debt-credit target to be invested;

The first authentication module 502, for paying according to described investment the subscriber identity information that request represents described first user, to described first user identifying user identity;

Remaining sum enquiry module 503, the subscriber authentication success in response to described first user, pays the sign that represents described debt-credit target in request according to described investment, inquire about the current residual credit amount of described debt-credit target; Described in the record that described current residual credit amount is described network payment platform, borrow or lend money the poor of the debt-credit total charge of target and the current paying off the investment of described debt-credit target;

Investment payment record module 504, for pay the described investment amount of request in response to described investment, be no more than described current residual credit amount, according to described investment amount, from the user account of described first user, in the trustship account of described network payment platform, proceed to fund, and described first amount of money is counted to the current paying off the investment of described debt-credit target;

Successful information sending module 505, for sending and pay successful information to described network debt-credit platform, so that described network debt-credit platform is based on described payment successful information, is recorded as described first user the investment user of described debt-credit target;

The payment module 506 of making loans, in the situation that described current paying off the investment reaches described debt-credit total charge, proceeds to the fund of borrowing or lending money total charge quantity described in described trustship account in loaning bill user's the user account of described debt-credit target.

Wherein, referring to Fig. 6, show the structural drawing of payment module 506 1 embodiments of making loans in the embodiment of the present application.In the present embodiment, the payment module of making loans described in 506 comprises:

The request receiving submodule 601 of making loans, pays request for receiving making loans that network debt-credit platform sends for described debt-credit target;

The condition Verification submodule 602 of making loans, pays for making loans described in foundation the sign that request represents described debt-credit target, verifies that described debt-credit target is current whether to meet the condition of making loans; Wherein, described in, the condition of making loans comprises: described in the condition of making loans comprise: described debt-credit total charge equates with described current paying off the investment;

The debt-credit submodule 603 of transferring accounts, in the situation that the result of the described condition Verification submodule 602 of making loans is to be, proceeds to the fund of borrowing or lending money total charge quantity described in described trustship account in the user account into the loaning bill user of described debt-credit target.

Wherein, in some embodiments in the embodiment of the present application, described in make loans and pay request and can represent to ask described network payment platform with the amount of money of making loans, the fund of described debt-credit target to be made loans to the second user; The described condition of making loans can also comprise: described in make loans pay in request described in the amount of money of making loans equate with described debt-credit total charge, and/or, described in make loans that to pay the user's that represents in request to borrow money described in described the second user's subscriber identity information and the record of described network payment platform subscriber identity information identical.

Referring to Fig. 7, show the structural drawing of the network payment platform embodiment 2 that realizes online payment in the application.In the present embodiment, except all structures shown in Fig. 5, described network payment platform can also comprise:

Refund request receiving module 701, the refund payment request sending for receiving network debt-credit platform; Described refund pays request and generates for the refund confirmation of described network debt-credit platform based on receiving, and described refund confirmation represents that the 3rd user amount of money of confirming to refund refunds to described debt-credit target;

The second authentication module 702, for paying according to described refund the subscriber identity information that request represents described the 3rd user, to described the 3rd user rs authentication user identity;

Loaning bill user investigates module 703, for the subscriber authentication success in response to described the 3rd user, according to described investment, pay the sign that represents described debt-credit target in request, inquire about whether described in the record of described network payment platform, borrow or lend money loaning bill user's the subscriber identity information of target identical with described the 3rd user's subscriber identity information;

Refund payment module 704, in the situation that described loaning bill user investigates the Query Result of module is to be, proceeds to the fund of the total charge quantity of refunding described in described the 3rd user's user account in described trustship account;

Distribution payment module 705, for according to each investment distribution amount of money corresponding to user of described debt-credit target, distributes the fund of the quantity of refunding described in described trustship account to investing described in each in user's user account.

Wherein, referring to Fig. 8, show the structural drawing of distributing payment module 705 1 embodiments in the embodiment of the present application.In the present embodiment, described distribution payment module 705 comprises:

Dispense request receives submodule 801, the distribution payment request sending for receiving described network debt-credit platform, described distribution pays request and represents to ask described network payment platform according to the distribution amount of money corresponding to each investment user of described debt-credit target, the refund fund of described debt-credit target to be distributed to investing user described in each;

Distribution conditions checking submodule 802, for paying according to described distribution the sign that request represents described debt-credit target, verifies that described debt-credit target is current and whether meets distribution conditions; Wherein, described distribution conditions comprises: described in each in described distribution payment request, distribute amount of money sum and equate with the refund amount of money of described debt-credit target, pay and in request, represent to invest described in each that described in subscriber identity information of user and the record of described network payment platform, to borrow or lend money each subscriber identity information of investing user of target corresponding identical one by one with, described distribution;

Distribution is transferred accounts and is triggered submodule 803, be used in the situation that the result of described distribution conditions checking submodule 802 is to be, according to each investment distribution amount of money corresponding to user of described debt-credit target, from described trustship account, to investing described in each in user's user account, proceed to fund.

By the technical scheme of network payment platform embodiment in the application, by network, borrow or lend money the mutual of platform and network payment platform, network payment platform in investment payment process to investment user's subscriber authentication and the process of making loans in to the checking of paying off the investment and investment user has been paid but the fund of not making loans to loaning bill user is positioned in the trustship account of network payment platform, thereby solved in network debt-credit transaction and paid because repeated investment pays corresponding once making loans the problem that the capital fund causing can not proceed to borrower's account immediately, the online payment that makes repeated investment pay the debt-credit transaction of the corresponding payment of once making loans can realize on the network payment platform that is independent of network debt-credit platform.

It should be noted that, in this article, relational terms such as the first and second grades is only used for an entity or operation to separate with another entity or operational zone, and not necessarily requires or imply and between these entities or operation, have the relation of any this reality or sequentially.Term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thereby the process, method, article or the equipment that make to comprise a series of key elements not only comprise those key elements, but also comprise other key elements of clearly not listing, or be also included as the intrinsic key element of this process, method, article or equipment.The in the situation that of more restrictions not, the key element being limited by statement " comprising ... ", and be not precluded within process, method, article or the equipment that comprises described key element and also have other identical element.

For network payment platform embodiment, because it corresponds essentially to embodiment of the method, so relevant part is referring to the part explanation of embodiment of the method.Network payment platform embodiment described above is only schematic, the wherein said unit as separating component explanation can or can not be also physically to separate, the parts that show as unit can be or can not be also physical locations, can be positioned at a place, or also can be distributed in a plurality of network element.Can select according to the actual needs some or all of module wherein to realize the object of the present embodiment scheme.Those of ordinary skills, in the situation that not paying creative work, are appreciated that and implement.

The above is only the application's embodiment; it should be pointed out that for those skilled in the art, do not departing under the prerequisite of the application's principle; can also make some improvements and modifications, these improvements and modifications also should be considered as the application's protection domain.

Claims (10)

1. a method that realizes online payment, is characterized in that, is applied to network payment platform, comprising:

Receive the investment payment request that network debt-credit platform sends; Described investment pays request and generates for the investment confirmation of described network debt-credit platform based on receiving, and described investment confirmation represents that first user confirms with investment amount, debt-credit target to be invested;

According to described investment, pay the subscriber identity information that represents described first user in request, to described first user identifying user identity;

Subscriber authentication success in response to described first user, pays the sign that represents described debt-credit target in request according to described investment, inquire about the current residual credit amount of described debt-credit target; Described in the record that described current residual credit amount is described network payment platform, borrow or lend money the poor of the debt-credit total charge of target and the current paying off the investment of described debt-credit target;

The described investment amount paying in request in response to described investment is no more than described current residual credit amount, according to described investment amount, from the user account of described first user, in the trustship account of described network payment platform, proceed to fund, and described investment amount is counted to the current paying off the investment of described debt-credit target;

To described network debt-credit platform, send and pay successful information, so that described network debt-credit platform is based on described payment successful information, described first user is recorded as to the investment user of described debt-credit target;

In the situation that described current paying off the investment reaches described debt-credit total charge, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in loaning bill user's the user account of described debt-credit target.

2. method according to claim 1, it is characterized in that, described in the situation that described current paying off the investment reaches described debt-credit total charge, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in loaning bill user's the user account of described debt-credit target, comprising:

Receive the payment request of making loans that network debt-credit platform sends for described debt-credit target;

Described in foundation, make loans and pay the sign that represents described debt-credit target in request, whether verify that described debt-credit target is current meets the condition of making loans, if so, the fund of borrowing or lending money total charge quantity described in described trustship account is proceeded in the user account into the loaning bill user of described debt-credit target;

Wherein, described in, the condition of making loans comprises: described debt-credit total charge equates with described current paying off the investment.

3. method according to claim 2, is characterized in that, described in the request that pays of making loans represent that the described network payment platform of request makes loans the fund of described debt-credit target with the amount of money of making loans to the second user;

The described condition of making loans also comprises: described in make loans pay in request described in the amount of money of making loans equate with described debt-credit total charge, and/or, described in make loans that to pay the user's that represents in request to borrow money described in described the second user's subscriber identity information and the record of described network payment platform subscriber identity information identical.

4. method according to claim 1, is characterized in that, also comprises:

Receive the refund payment request that network debt-credit platform sends; Described refund pays request and generates for the refund confirmation of described network debt-credit platform based on receiving, and described refund confirmation represents that the 3rd user amount of money of confirming to refund refunds to described debt-credit target;

According to described refund, pay the subscriber identity information that represents described the 3rd user in request, to described the 3rd user rs authentication user identity;

Subscriber authentication success in response to described the 3rd user, according to described investment, pay the sign that represents described debt-credit target in request, inquire about whether described in the record of described network payment platform, borrow or lend money loaning bill user's the subscriber identity information of target identical with described the 3rd user's subscriber identity information, if so, the fund of the dollar amount of refunding described in described the 3rd user's user account is proceeded in described trustship account;

According to each investment distribution amount of money corresponding to user of described debt-credit target, the fund of the quantity of refunding described in described trustship account is distributed to investing described in each in user's user account.

5. method according to claim 4, it is characterized in that, the described distribution amount of money corresponding to each investment user according to described debt-credit target, distributes the fund of the quantity of refunding described in described trustship account to investing described in each in user's user account, comprising:

Receive the distribution payment request that described network debt-credit platform sends, described distribution pays request and represents to ask described network payment platform according to the distribution amount of money corresponding to each investment user of described debt-credit target, the refund fund of described debt-credit target to be distributed to investing user described in each;

According to described distribution, pay the sign that represents described debt-credit target in request, whether verify that described debt-credit target is current meets distribution conditions, if, according to each investment distribution amount of money corresponding to user of described debt-credit target, from described trustship account, to investing described in each in user's user account, proceed to fund;

Wherein, described distribution conditions comprises: described in each in described distribution payment request, distribute amount of money sum and equate with the refund amount of money of described debt-credit target, pay and in request, represent to invest described in each that described in subscriber identity information of user and the record of described network payment platform, to borrow or lend money each subscriber identity information of investing user of target corresponding identical one by one with, described distribution.

6. a network payment platform of realizing online payment, is characterized in that, comprising:

Investment requests receiver module, the investment payment request sending for receiving network debt-credit platform; Described investment pays request and generates for the investment confirmation of described network debt-credit platform based on receiving, and described investment confirmation represents that first user confirms with investment amount, debt-credit target to be invested;

The first authentication module, for paying according to described investment the subscriber identity information that request represents described first user, to described first user identifying user identity;

Remaining sum enquiry module, the subscriber authentication success in response to described first user, pays the sign that represents described debt-credit target in request according to described investment, inquire about the current residual credit amount of described debt-credit target; Described in the record that described current residual credit amount is described network payment platform, borrow or lend money the poor of the debt-credit total charge of target and the current paying off the investment of described debt-credit target;

Investment payment record module, for pay the described investment amount of request in response to described investment, be no more than described current residual credit amount, according to described investment amount, from the user account of described first user, in the trustship account of described network payment platform, proceed to fund, and described first amount of money is counted to the current paying off the investment of described debt-credit target;

Successful information sending module, for sending and pay successful information to described network debt-credit platform, so that described network debt-credit platform is based on described payment successful information, is recorded as described first user the investment user of described debt-credit target;

The payment module of making loans, in the situation that described current paying off the investment reaches described debt-credit total charge, proceeds to the fund of borrowing or lending money total charge quantity described in described trustship account in loaning bill user's the user account of described debt-credit target.

7. network payment platform according to claim 6, is characterized in that, described in the payment module of making loans comprise:

The request receiving submodule of making loans, pays request for receiving making loans that network debt-credit platform sends for described debt-credit target;

The condition Verification submodule of making loans, pays for making loans described in foundation the sign that request represents described debt-credit target, verifies that described debt-credit target is current whether to meet the condition of making loans; Wherein, described in, the condition of making loans comprises: described in the condition of making loans comprise: described debt-credit total charge equates with described current paying off the investment;

The debt-credit submodule of transferring accounts, in the situation that the result of the described condition Verification submodule of making loans is to be, proceeds to the fund of borrowing or lending money total charge quantity described in described trustship account in the user account into the loaning bill user of described debt-credit target.

8. network payment platform according to claim 7, is characterized in that, described in the request that pays of making loans represent that the described network payment platform of request makes loans the fund of described debt-credit target with the amount of money of making loans to the second user;

The described condition of making loans also comprises: described in make loans pay in request described in the amount of money of making loans equate with described debt-credit total charge, and/or, described in make loans that to pay the user's that represents in request to borrow money described in described the second user's subscriber identity information and the record of described network payment platform subscriber identity information identical.

9. network payment platform according to claim 6, is characterized in that, also comprises:

Refund request receiving module, the refund payment request sending for receiving network debt-credit platform; Described refund pays request and generates for the refund confirmation of described network debt-credit platform based on receiving, and described refund confirmation represents that the 3rd user amount of money of confirming to refund refunds to described debt-credit target;

The second authentication module, for paying according to described refund the subscriber identity information that request represents described the 3rd user, to described the 3rd user rs authentication user identity;

Loaning bill user investigates module, for the subscriber authentication success in response to described the 3rd user, according to described investment, pay the sign that represents described debt-credit target in request, inquire about whether described in the record of described network payment platform, borrow or lend money loaning bill user's the subscriber identity information of target identical with described the 3rd user's subscriber identity information;

Refund payment module, in the situation that described loaning bill user investigates the Query Result of module is to be, proceeds to the fund of the total charge quantity of refunding described in described the 3rd user's user account in described trustship account;

Distribution payment module, for according to each investment distribution amount of money corresponding to user of described debt-credit target, distributes the fund of the quantity of refunding described in described trustship account to investing described in each in user's user account.

10. network payment platform according to claim 9, is characterized in that, described distribution payment module comprises:

Dispense request receives submodule, the distribution payment request sending for receiving described network debt-credit platform, described distribution pays request and represents to ask described network payment platform according to the distribution amount of money corresponding to each investment user of described debt-credit target, the refund fund of described debt-credit target to be distributed to investing user described in each;

Distribution conditions checking submodule, for paying according to described distribution the sign that request represents described debt-credit target, verifies that described debt-credit target is current and whether meets distribution conditions; Wherein, described distribution conditions comprises: described in each in described distribution payment request, distribute amount of money sum and equate with the refund amount of money of described debt-credit target, pay and in request, represent to invest described in each that described in subscriber identity information of user and the record of described network payment platform, to borrow or lend money each subscriber identity information of investing user of target corresponding identical one by one with, described distribution;

Distribute the triggering submodule of transferring accounts, be used in the situation that the result of described distribution conditions checking submodule is to be, according to each investment distribution amount of money corresponding to user of described debt-credit target, from described trustship account, to investing described in each in user's user account, proceed to fund.