System and method for implementing bank card payment using five-party agreement

Abstract

This invention relates to a method and system of e-commerce through the consumer registering the businesses number name. A system and method to achievement e-commerce transactions In a public network through Member Name, including,at least terminal devices for consumer, commercial tenants pay device, the card issuing bank payment gateway devices, payment platform devices and the third party logistics unit. Its property is through bundling with the establishment of the card issuing bank payment gateway Member name and their bank cards card number, when consumers apply for e-commerce transactions to the business community, need not submit personal information of bank cards will be able to activate the e-commerce transactions logic, the logic coverage of the state of e-commerce transactions, through unbundling transactions steps to improve the authenticity of transactions, reliability, safety; passage of this invention, consumers can break through the traditional limitations of electronic commerce terminal devices, more convenient, flexible in e-commerce, without worrying about their bank cards leaked confidential information, while businesses can be more convenient and credible conduct of e-commerce; card-issuing banks can develop electronic commerce based on depay without changing existing business processes.

Description

technical field [0001] The present invention relates to a computer system, and more particularly to a method and system allowing consumers to realize bank card payment by using a member name registered at a merchant or a payment platform and initiating a five-party agreement. 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. [0003] ...

AI Technical Summary

Problems solved by technology

[0014] 1. Non-bank account payment technology, 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 , can not be held accountable when it is stolen or cheated by others, has no connection with the real beneficiary offline, and can only be applied to small payments; finally, it cannot realize many functions of bank cards, such as authorization, authorization completion, and adjustment of authorized amount. consumer credit, etc.

[0015] 2. In order to improve the security of the transaction, the above-mentioned bank account payment technologies have added digital certificate processing devices on the consumer terminal, which also increases the difficulty of use by consumers, and also limits the range of choices of consumer terminals, making Commonly used terminal devices such as general-purpose PCs and general-purpose telephone devices cannot be used directly. Secondly, the delivery verification mechanism is not considered, and there is no connection with the real beneficiary offline, and there is no relief mechanism to prevent card numbers from being stolen.

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