Electronic business system and method for binding membership name with bank card

Abstract

The invention relates to a method and a system for carrying out E-commerce through member names of consumers registered in merchant or payment platforms. The system comprises a consumer terminal device, a merchant payment device, a payment gateway device, a payment platform device and a logistics device. The system is characterized in that a member name is applied for through a merchant or a payment platform; the binding relation of the member name and a bankcard is established in a payment gateway; when a consumer applies to a merchant for a E-commerce transaction, the logic of the E-commerce transaction can be started without submitting the information of the personal bankcard; the logic covers various states of the E-commerce transaction; through a series of transaction steps, the authenticity, reliability and safety of the transaction are improved; with the system, the consumer can break through the limitation of the prior E-commerce terminal and develop E-commerce more conveniently and flexibly without worrying about the divulgence of the secret information of the own bankcard; and an issuing bank can develop E-commerce on the basis without changing the prior payment business process.

Description

technical field [0001] The present invention relates to a computer system, and more particularly to a method, system and computer program product that allow consumers to conduct e-commerce by binding their bank cards with member names registered at merchants or payment platforms. Background technique [0002] Using bank cards (magnetic cards or smart cards) to conduct "online shopping" through the Internet, telephone network and television network (hereinafter referred to as "network") is an important business activity today. (hereinafter referred to as "merchants") purchases are entirely determined by consumers' own interests. Consumers come to a merchant's website, typically when they browse one or more web pages to select goods or services to purchase. Merchants first Consumers are required to register as a member and have a member name and personal identification number (PIN); complete the transaction by providing online payment for the payment of the transaction. [00...

AI Technical Summary

Problems solved by technology

[0014] 1. Non-bank account payment method, consumers can only get the business reputation of the account service provider, other merchants may not accept it, the scope of application is limited, and there is also the risk of merchant bankruptcy or malicious escape with money; secondly, its security is poor , it cannot be investigated when it is stolen or cheated by others, and it has no connection with the real beneficiary offline; finally, it cannot realize many functions of the bank card, such as authorization, authorization completion, adjustment of authorized amount, credit to consumers, etc.

[0015] 2. In order to improve the security of the transaction, the above-mentioned bank account payment methods have added digital certificate processing devices on the consumer terminal, which also increases the difficulty for consumers to use, and also limits the selection range of consumer terminals, making Commonly used terminal equipment such as general-purpose PCs and general-purpose telephone equipment cannot be used directly. Secondly, the distribution verification mechanism is not considered, and it is not related to the real beneficiary offline, and there is a possibility of being stolen

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