CN102456194A - Remote payment method, system, terminal and server - Google Patents

Abstract

The invention provides a remote payment method, a system, a terminal and a server, and the specific contents comprise: when a user purchases, the terminal writes commodity information of commodities needing to be purchased into an original electronic order and then generates a sales electronic order, and submits the sales electronic order to the payment server, so that when the user purchases, the payment server can complete payment operation in real time according to the sales electronic order, and does not need to queue for reading the commodity information and generating a sales list by reading equipment such as a POS machine, and the time of the user is saved.

Description

A remote payment method, system, terminal and server

technical field

The present invention relates to the technical field of communication, in particular to a method, system, terminal and server for remote payment.

Background technique

Mobile payment is a service method that allows mobile users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. At present, the specific process of mobile payment is as follows:

The first step, after the user determines the product to be purchased, read the product information of the product purchased by the user through a reading device such as a Point of Sale (POS) machine and generate a sales list. After determining the sales amount, the POS machine reads Get the mobile payment account information in the mobile terminal, and send a payment request with the sales amount to the payment platform corresponding to the mobile payment account;

In the second step, when the payment platform receives the payment request, it sends a confirmation payment request to the mobile terminal, completes the payment operation after receiving the confirmation message from the mobile terminal, and returns a payment completion message to the POS machine;

In the third step, when the POS machine receives the payment completion message, it confirms that the mobile payment is completed and the user completes the shopping.

The following problems exist in the mobile payment scheme currently adopted:

After confirming the product to be purchased, the user needs to wait for the POS machine and other equipment to check out to generate a sales list and determine the sales amount before completing the payment operation. The payment operation cannot be completed in real time during the process of selecting products, especially when there are many users , It is necessary to wait in line for POS machines and other devices to read product information and generate a sales list before completing the payment operation, resulting in a lot of waste of user time.

To sum up, at present, there is no feasible technical solution for the one-stop service of completing payment in real time to realize commodity purchase.

Contents of the invention

Embodiments of the present invention provide a method, system, terminal and server for remote payment, which are used to solve the problem that payment cannot be completed in real time in the prior art.

A method for remote payment, the method comprising:

The terminal writes the read product information of the product to be purchased into the original electronic order to generate an electronic sales order;

The terminal sends the sales electronic order to the payment server, instructing the payment server to perform the payment operation according to the received sales electronic order.

A remote payment system, the system comprising:

The terminal is used to write the read product information of the product to be purchased into the original electronic order to generate a sales electronic order, and send the sales electronic order;

The payment server is used for performing payment operations according to the received sales electronic orders.

A terminal, the terminal comprising:

A sales electronic order generation module, which is used to write the read commodity information of the commodity to be purchased into the original electronic order to generate a sales electronic order;

The instruction payment module is used to send the sales electronic order to the payment server, and instruct the payment server to perform the payment operation according to the received sales electronic order.

A server comprising:

The order sending module is used to send the original electronic order to the terminal, instruct the terminal to write the commodity information of the commodity to be purchased into the original electronic order, and generate a sales electronic order for completing the payment operation.

In the technical solution provided by the embodiment of the present invention, when the user is shopping, the terminal generates the sales electronic order after writing the commodity information of the commodity to be purchased in the original electronic order, and submits the sales electronic order to the payment server, so that the user can When shopping, the payment server can complete the payment operation in real time according to the sales electronic order, without having to wait in line for reading devices such as POS machines to read the product information and generate a sales list, saving the user's time.

Description of drawings

FIG. 1 is a schematic flowchart of a remote payment method provided by Embodiment 1 of the present invention;

FIG. 2 is a schematic flowchart of a remote payment method provided by Embodiment 2 of the present invention;

FIG. 3 is a schematic structural diagram of a remote payment system provided by Embodiment 3 of the present invention;

FIG. 4 is a schematic structural diagram of a terminal provided in Embodiment 4 of the present invention;

FIG. 5 is a schematic structural diagram of a server provided in Embodiment 5 of the present invention.

Detailed ways

The technical solutions of the present invention will be described in detail below in conjunction with the accompanying drawings and the embodiments of the present invention.

Embodiment one,

Embodiment 1 of the present invention provides a method for remote payment, the flow diagram of the method is shown in Figure 1, and the specific steps include:

Step 101, the terminal writes the read product information of the product to be purchased into the original electronic order, and generates an electronic sales order.

The terminal may be a mobile phone.

The terminal reads the product information, and the reading operation can be realized by the reading head embedded in the terminal. When the product to be purchased is confirmed, the product information of the product is written into the original electronic order, and a document containing the product to be purchased is generated. Electronic sales orders for product information.

The operation of reading product information is not limited to using the reading head embedded in the terminal, it may also be to use the camera on the terminal to capture an image containing product information, and obtain the product information by analyzing the image to complete the reading. The operation of fetching product information.

The acquisition methods of the original electronic order can be but not limited to the following two ways:

1. Pre-stored by the terminal, for example, before the terminal needs to shop, it receives and saves the original electronic order from the back-end server of the merchant in advance.

2. When the terminal needs to shop, it sends a shopping request to the back-end server of the merchant in real time. The shopping request can carry a terminal ID, which can be a mobile phone number, and is used for the back-end server of the merchant to return to the terminal corresponding to the terminal ID. Respond to the message. The shopping request triggers the backend server of the merchant to generate an original electronic order without commodity information. The original electronic order may carry merchant information, and the merchant information may be represented by an electronic order number. The backend server of the merchant sends the generated original electronic order to the terminal, which is used for the terminal to fill in the commodity information.

The original electronic order may also be obtained by the terminal through other means.

Step 102, the terminal sends the sales electronic order to the payment server, and instructs the payment server to perform the payment operation according to the received sales electronic order.

After confirming that the product information of all the products to be purchased has been written, the generated sales electronic order is sent to the payment server. After receiving the sales electronic order, the payment server uses the product information in the sales electronic order to determine the payment amount, and Carry out the payment operation.

Through the remote payment method provided by Embodiment 1 of the present invention, when confirming the commodity to be purchased, the acquisition of commodity information and the generation of the sales list (sales electronic order) are all completed in real time in the terminal, without waiting for the POS machine to read The payment operation can be completed in real time by reading the commodity information and generating the sales list by the fetching device, which solves the technical problem proposed by the present invention.

Taking the terminal sending a shopping request to the back-end server of the merchant, and the back-end server of the merchant returning the original electronic order to the terminal according to the shopping request as an example, the complete shopping process completed by using the remote payment method provided by Embodiment 1 of the present invention will be described in detail below.

Embodiment two,

As shown in Figure 2, it is a schematic flow chart of a remote payment method provided by Embodiment 2 of the present invention, which specifically includes the following steps:

Step 201, the terminal sends a shopping request to the backend server of the merchant.

The shopping request may carry a terminal identifier, and the merchant background server may identify the terminal sending the shopping request according to the terminal identifier.

Step 202, the backend server of the merchant generates the original electronic order and sends it to the terminal.

When the merchant background server receives a shopping request, it generates an original electronic order, which does not contain commodity information, but may carry merchant information, and may further include item information such as commodity name, commodity quantity, and commodity unit price.

The backend server of the merchant sends the original electronic order to the terminal corresponding to the terminal identifier carried in the shopping request, so as to obtain the specific content (commodity information) corresponding to the set item information.

Step 203, the terminal reads the commodity information and generates an electronic sales order.

After the terminal receives and saves the original electronic order, it confirms that shopping can begin. The terminal reads the product information of the product to be purchased. The read content is the code of the product label. The code can be a barcode or a two-dimensional code. The content of the code, that is, the product information can include product name, unit price, model, manufacture Suppliers, origins and discount promotion information, etc. After reading the product information, the user chooses to purchase or cancel the purchase of the product. In this step, it is supported to read the product information multiple times. After the user confirms the purchase of at least one product, fill in the original electronic order form based on the read product information. project information to generate sales electronic orders.

Step 204, the terminal sends the sales electronic order to the backend server of the merchant.

After generating the sales electronic order and confirming that the shopping is completed, enter the checkout step, confirm that the mobile payment is used for checkout, and trigger the terminal to send the sales electronic order to the merchant's background server, which is used by the merchant's background server to verify the legality of the product information in the sales electronic order. For example, confirm whether the name of the product corresponds to the price of the product, etc. When the terminal sends the sales electronic order, it also submits its own terminal identification to the back-end server of the merchant, and the back-end server of the user merchant identifies the terminal that submitted the electronic sales order.

Step 205: After the merchant background server passes the legality verification of the sales electronic order, it requests the payment server to make payment.

After confirming and checking the product information carried in the electronic sales order, the merchant’s back-end server sends the electronic sales order and the received terminal identification to the payment server, instructing the payment server to use the electronic sales order to target the terminal identification corresponding to the payment server. Mobile payment account for payment operations.

Preferably, in this step, the validity of the received terminal identification can also be verified, and in order to enhance the security of the business, after the verification of the legality of the sales electronic order and the terminal identification is passed, the sales electronic The order and terminal ID are encrypted and sent to the payment server.

Step 206, the payment server sends a payment confirmation request to the terminal.

After the payment server receives the sales electronic order and the terminal identification sent by the merchant's background server, it can use the commodity information in the sales electronic order to confirm the payment amount, and send a confirmation payment request to the terminal corresponding to the terminal identification, requesting the terminal to confirm the payment , the electronic order number of the sales electronic order (same as the electronic order number of the original electronic order) and payment amount information may be carried in the confirmation payment request.

In order to ensure the security of the service, preferably, a random number can be generated, and the random number is carried in the confirmation payment request to identify the payment service.

Step 207, the terminal confirms the payment, and submits the payment password to the payment server.

When the terminal receives the confirmation payment request sent by the payment server, the user confirms whether the electronic order number and payment amount carried in the confirmation payment request are consistent with the electronic order number and payment amount in the previously sent sales electronic order. , submit the payment password to the payment server through the terminal.

If the confirmation payment request also carries a random number, the random number is returned to the payment server while submitting the payment password.

Preferably, in order to further enhance the security of the business, a security key can be set to encrypt the submitted payment password.

Step 208, the payment server confirms the payment.

The payment server verifies whether the payment password submitted by the terminal is consistent with the stored payment password corresponding to the terminal ID of the terminal. Whether the payment password corresponding to the terminal ID of the terminal is the same. When it is determined that the payment password is correct, the merchant information is extracted using the electronic order number, and the corresponding payment amount in the mobile payment account corresponding to the terminal identifier is transferred to the corresponding account of the merchant.

It should be noted that the corresponding relationship between the terminal ID and the security key as well as the terminal ID and the payment password is stored in advance in the payment server. When the payment server receives the payment password encrypted with the security key, it will Terminal ID, determine the security key corresponding to the terminal ID, and use the security key to decrypt the payment password, and verify the payment password corresponding to the terminal ID according to the corresponding relationship between the terminal ID and the payment password saved in advance. Whether the passwords are consistent.

After the payment server completes the payment operation, it can send payment success information to the terminal and the merchant's background server respectively to confirm that the payment is successful.

Step 209, the backend server of the merchant generates a payment voucher.

After the merchant background server confirms that the payment is completed, it generates a payment voucher for the terminal in the payment and the paid commodity, and the payment voucher includes the terminal identification and the commodity information of the paid commodity. Depending on the subsequent verification methods for the payment voucher, the merchant background server can send the generated payment voucher to the voucher verification terminal and the terminal corresponding to the payment voucher, or only to the terminal corresponding to the payment voucher.

Step 210, the credential verification terminal verifies the payment credential.

The credential verification terminal may be a POS machine, which is used to verify the payment credential. The verification methods of the payment certificate by the certificate verification terminal include but are not limited to the following two methods:

The first,

When the merchant background server sends the generated payment voucher to the voucher verification terminal and the terminal corresponding to the payment voucher, the verification of the payment voucher by the voucher verification terminal specifically includes:

The credential verification terminal reads the payment credential in the terminal, determines the payment credential stored by itself that includes the terminal identification in the read payment credential, and compares the commodity information in the read payment credential with the commodity information in the determined payment credential. Comparison, when the comparison results are consistent, it is confirmed that the user's shopping is successful, otherwise, it is confirmed that the user's shopping has failed.

the second type,

When the merchant background server sends the generated payment voucher to the terminal corresponding to the payment voucher, the verification of the payment voucher by the voucher verification terminal specifically includes:

The credential verification terminal reads the payment credential in the terminal, and sends the payment credential to the back-end server of the merchant;

The merchant background server determines the payment certificate stored by itself that contains the terminal identification in the received payment certificate, compares the product information in the received payment certificate with the determined product information in the payment certificate, and sends the comparison result to credential verification terminal;

When the credential verification terminal receives the message that the comparison result is consistent from the background server of the merchant, it confirms that the user has successfully purchased, otherwise, when it receives the message that the comparison result is inconsistent from the background server of the merchant, it confirms that the user has failed to purchase.

Through the method provided by Embodiment 2 of the present invention, before the payment server performs the payment operation, the merchant background server verifies the accuracy of the commodity information in the sales electronic order, thereby ensuring the accuracy of the subsequent payment operation from the merchant side; by confirming the payment request The security of the payment business is improved by carrying random numbers and encrypting the payment password submitted by the terminal; and the merchant’s background server can further generate payment vouchers, and the voucher verification terminal can read the payment vouchers in the terminal, and through the voucher verification terminal, use The product information of the product purchased by the mobile payment account corresponding to the terminal is verified to confirm whether the shopping is successful, or the credential verification terminal sends the read payment certificate to the backend server of the merchant, and the backend server of the merchant receives the mobile payment corresponding to the terminal. The verification result of the product information of the product purchased by the payment account is used to confirm whether the shopping is successful, and further solves the problem of how to verify the result of the remote payment.

Embodiment three,

Embodiment 3 of the present invention provides a remote payment system. The structural diagram of the system is shown in FIG. 3 . The system includes a terminal 11 and a payment server 12, wherein:

The terminal 11 is used to write the read commodity information of the commodity to be purchased into the original electronic order to generate a sales electronic order, and send the sales electronic order; the payment server 12 is used to perform payment operations according to the received sales electronic order.

Described system also comprises trader background server 13:

The merchant background server 13 is used to send the original electronic order when receiving the shopping request sent by the terminal;

The merchant background server 13 is also used to receive the sales electronic order sent by the terminal, and send the sales electronic order to the payment server after the validity verification of the commodity information in the sales electronic order is passed.

The payment server 12 is also used to send a confirmation payment request carrying a random number to the terminal, and when it is confirmed that the random number returned by the terminal is the same as the random number sent to the terminal, use the payment password returned by the terminal to complete the payment operation.

The terminal 11 is further configured to return the random number and payment password to the payment server when receiving the confirmation payment request carrying the random number.

The system also includes a credential verification terminal 14:

The merchant background server 13 is also used to generate a payment voucher including the terminal identifier and commodity information of the paid commodity when confirming that the payment is completed, and send the payment voucher to the terminal and the voucher verification terminal.

The credential verification terminal 14 is used to read the payment credential in the terminal, determine the payment credential stored by itself that contains the terminal identification in the read payment credential, and combine the commodity information in the read payment credential with the determined payment credential Compare the product information in , and confirm that the shopping is successful when the comparison results are the same.

The merchant background server 13 is also used to generate a payment voucher including the terminal identification and commodity information of the paid commodity when confirming that the payment is completed, send the payment voucher to the terminal, and receive the payment voucher sent by the voucher verification terminal, Determine the payment voucher that contains the terminal identification in the received payment voucher stored by itself, compare the commodity information in the received payment voucher with the commodity information in the determined payment voucher, and send the comparison result to the voucher verification terminal .

The credential verification terminal 14 is also used to send the read payment credential in the terminal to the backend server of the merchant, and when receiving the message that the comparison result is consistent from the backend server of the merchant, confirm that the shopping is successful.

Embodiment four,

Embodiment 4 of the present invention provides a terminal. The structural diagram of the terminal is shown in FIG. 4 . The terminal includes a sales electronic order generation module 21 and an instruction payment module 22, wherein:

The sales electronic order generating module 21 is used to write the commodity information of the goods to be purchased into the original electronic order to generate the sales electronic order; the instruction payment module 22 is used to send the sales electronic order to the payment server, and instructs the payment server to send the sales electronic order to the payment server according to the Received sales electronic order for payment operation.

The terminal also includes a shopping request sending module 23 and an original electronic order receiving module 24, wherein:

The shopping request sending module 23 is used to send a shopping request to the backend server of the merchant; the original electronic order receiving module 24 is used to receive the original electronic order returned by the backend server of the merchant.

The terminal also includes a payment confirmation module 25, configured to return the random number and payment password to the payment server when receiving the payment confirmation request carrying the random number sent by the payment server.

The terminal also includes a payment credential saving module 26, configured to receive and save the payment credential sent by the backend server of the merchant. The payment credential storage module 26 is also used for the credential verification terminal to read the payment credential and verify the payment credential.

Embodiment five,

Embodiment 5 of the present invention provides a server. The structural diagram of the server is shown in FIG. 5. The server includes an order sending module 31, wherein:

The order sending module 31 is used to send the original electronic order to the terminal, instruct the terminal to write the commodity information of the commodity to be purchased into the original electronic order, and generate a sales electronic order for completing the payment operation.

The server also includes a request receiving module 32:

The request receiving module 32 is used to receive the shopping request sent by the terminal, and instruct the order sending module to send the original electronic order to the terminal.

The server also includes a commodity information checking module 33, a payment voucher generation module 34 and a payment voucher sending module 35, wherein:

The commodity information checking module 33 is configured to send the electronic sales order to the payment server when the validity of the commodity information in the received electronic sales order is verified.

The payment voucher generation module 34 is used to generate a payment voucher including the terminal identification and commodity information of the commodity to be paid for when the payment is confirmed to be completed.

The payment voucher sending module 35 is used to send the payment voucher to the terminal and the voucher verification terminal, instructs the voucher verification terminal to read the payment voucher in the terminal, and according to the legality of the payment voucher sent by the payment voucher sending module to the payment voucher read. sex is verified.

The server also includes a payment credential verification module 36 .

The payment credential sending module 35 is also used to send the payment credential to the terminal, instruct the credential verification terminal to read the payment credential in the terminal, and send the read payment credential to the payment credential verification module.

The payment voucher verification module 36 is used to determine the payment voucher containing the terminal identification in the received payment voucher stored by itself, compare the commodity information in the received payment voucher with the commodity information in the determined payment voucher, And send the comparison result to the credential verification terminal.

The server also includes a user information management module 37 and a security module 38, wherein:

The user information management module 37 is used to verify the legitimacy of the received terminal identification, and when the validity verification of the received terminal identification is passed, the terminal identification is sent to the payment server, and the payment server is requested to pay according to the received terminal identification. ID, and the terminal corresponding to the terminal ID performs the payment operation. The user information management module 37 may receive the terminal identifier sent by the terminal when the terminal sends a shopping request and a sales electronic order.

The security module 38 is used for encrypting the sales electronic order and the terminal identification, and sending the encrypted sales electronic order and the terminal identification to the payment server.

The server may be the backend server of the merchant in Embodiment 1 to Embodiment 4 of the present invention. The order sending module in the server may send the original electronic order to the terminal. It may be triggered by the request receiving module receiving the shopping request sent by the terminal, or it may be It may be triggered by timing, or may be triggered by other conditions, which is not specifically limited in this embodiment of the present invention.

Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and equivalent technologies thereof, the present invention also intends to include these modifications and variations.

Claims (19)

1. the method for a remote payment is characterized in that, said method comprises:

The merchandise news that the needs that the terminal will be read are bought commodity writes the original electron order, generates to sell electronic order;

The terminal will be sold electronic order and sent to paying server, and the indication paying server is according to the operation of paying of the sale electronic order that receives.

2. the method for claim 1 is characterized in that, said original electron order is the terminal after trade company's background server sends the shopping request, returns to the terminal by trade company's background server, or terminal self storage.

3. like claim 1 or 2 arbitrary described methods, it is characterized in that the terminal will be sold electronic order and sent to the payment services implement body and comprise:

The terminal will be sold electronic order and sent to trade company's background server, after trade company's background server passes through the legitimate verification of selling merchandise news in the electronic order, should sell electronic order by trade company's background server and send to paying server.

4. like claim 1 or 2 arbitrary described methods, it is characterized in that the terminal will be sold electronic order and sent to after the paying server, said method also comprises:

The terminal receive that paying server sends carry the affirmation Payment Request of random number the time, return this random number and payment cipher to this paying server;

When the random number that paying server returns at the affirmation terminal was identical with the random number that sends to this terminal, the payment cipher that utilizes the terminal to return was accomplished delivery operation.

5. method as claimed in claim 4 is characterized in that, after paying server was accomplished delivery operation, said method also comprised:

Trade company's background server generates evidence for payment when confirming that payment is accomplished, this evidence for payment is sent to terminal and credential verification terminal, and said evidence for payment comprises terminal iidentification and the merchandise news of the commodity paid;

Evidence for payment in the reading terminals of credential verification terminal; Confirm the evidence for payment that comprises the terminal iidentification in the evidence for payment that reads that self stores; And merchandise news in the evidence for payment that reads and merchandise news in the evidence for payment of confirming compared; When comparative result is consistent, confirm to do shopping successfully;

Perhaps

When trade company's background server confirms that payment is accomplished, generate evidence for payment, this evidence for payment is sent to the terminal;

Evidence for payment in the reading terminals of credential verification terminal, and this evidence for payment is sent to trade company's background server;

Trade company's background server is confirmed the evidence for payment that comprises the terminal iidentification in the evidence for payment that receives that self stores; And merchandise news in the evidence for payment that receives and merchandise news in the evidence for payment of confirming compared, and comparative result is sent to the credential verification terminal;

Confirm to do shopping successfully when the message of the comparative result unanimity that receives trade company's background server transmission in the credential verification terminal.

6. the system of a remote payment is characterized in that, said system comprises:

Terminal, the merchandise news of the commodity that are used for the needs that read are bought write to generate behind the original electron order sells electronic order, and sends and should sell electronic order;

Paying server is used for according to the sale electronic order that receives, the operation of paying.

7. system as claimed in claim 6 is characterized in that, said system also comprises:

Trade company's background server is used for when receiving the shopping request of sending at the terminal, sending the original electron order to the terminal.

8. system as claimed in claim 7 is characterized in that,

Said trade company background server also is used for the sale electronic order that receiving terminal sends, and after the legitimate verification of selling merchandise news in the electronic order is passed through, should sell electronic order and send to paying server.

9. system as claimed in claim 7 is characterized in that,

Said paying server also is used for sending the affirmation Payment Request carry random number to the terminal, and when confirming that random number that the terminal is returned is identical with the random number that sends to this terminal, the payment cipher that utilizes the terminal to return, completion delivery operation;

Said terminal also is used for when receiving the affirmation Payment Request that carries random number, returning this random number and payment cipher to paying server.

10. system as claimed in claim 9 is characterized in that said system also comprises the credential verification terminal;

Said trade company background server also is used for when confirming that payment is accomplished, generating the evidence for payment of the merchandise news of the commodity that include terminal iidentification and paid, and this evidence for payment is sent to terminal and credential verification terminal;

Said credential verification terminal; The evidence for payment that is used for reading terminals; Confirm the evidence for payment that comprises the terminal iidentification in the evidence for payment that reads that self stores; And merchandise news in the evidence for payment that reads and merchandise news in the evidence for payment of confirming compared, when comparative result is consistent, confirm to do shopping successfully.

11. system as claimed in claim 10 is characterized in that,

Said trade company background server; Also be used for when confirming that payment is accomplished; Generation includes terminal iidentification and the evidence for payment of the merchandise news of the commodity paid; This evidence for payment is sent to the terminal, and receive the evidence for payment that send at the credential verification terminal, confirm the evidence for payment that comprises the terminal iidentification in the evidence for payment that receives that self stores; And merchandise news in the evidence for payment that receives and merchandise news in the evidence for payment of confirming compared, and comparative result is sent to the credential verification terminal;

Said credential verification terminal also is used for the evidence for payment at the terminal of reading is sent to trade company's background server, and when the message of the comparative result unanimity that receives trade company's background server transmission, confirms to do shopping successfully.

12. a terminal is characterized in that, said terminal comprises:

Sell the electronic order generation module, be used for the merchandise news of the needs purchase commodity that read is write the original electron order, generate and sell electronic order;

The indication payment module is used for sales electronic order is sent to paying server, the sale electronic order that indication paying server basis the receives operation of paying.

13. terminal as claimed in claim 12 is characterized in that, said terminal also comprises:

The shopping request sending module is used for sending the shopping request to trade company's background server;

Original electron order receiver module is used to receive the original electron order that said trade company background server returns.

14., it is characterized in that said terminal also comprises like claim 12 or 13 arbitrary described terminals:

Confirm payment module, be used for receive that paying server sends carry the affirmation Payment Request of random number the time, return this random number and payment cipher to this paying server.

15. a server is characterized in that, said server comprises:

The order sending module is used for sending the original electron order to the terminal, and the merchandise news of the commodity that indicating terminal will be bought writes said original electron order, generates the sale electronic order that is used to accomplish delivery operation.

16. server as claimed in claim 15 is characterized in that, said server also comprises:

The request receiver module is used for the shopping request that receiving terminal sends, and indication order sending module sends the original electron order to the terminal.

17. server as claimed in claim 15 is characterized in that, said server also comprises:

Merchandise news is checked module, be used for to the legitimate verification of the sale electronic order merchandise news that receives through the time, should sell electronic order and send to paying server.

18., it is characterized in that said server also comprises like the arbitrary described server of claim 15～17:

The evidence for payment generation module is used for when confirming that payment is accomplished, generating the evidence for payment of the merchandise news of the commodity that include terminal iidentification and paid;

The evidence for payment sending module; Be used for said evidence for payment is sent to terminal and credential verification terminal; Evidence for payment in the reading terminals of indication credential verification terminal, and the evidence for payment that sends according to the evidence for payment sending module is verified the legitimacy of the evidence for payment that reads.

19. server as claimed in claim 18 is characterized in that, said server also comprises evidence for payment verification module;

Said evidence for payment sending module also is used for said evidence for payment is sent to the terminal, indicates the evidence for payment in the reading terminals of credential verification terminal, and the evidence for payment that reads is sent to evidence for payment verification module;

Said evidence for payment verification module; The evidence for payment that is used for definite terminal iidentification of self storing that comprises the evidence for payment that receives; Merchandise news in the evidence for payment that receives and merchandise news in the evidence for payment of confirming are compared, and comparative result is sent to the credential verification terminal.

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