Safe payment system with separated order and payment and safe payment method

A technology for secure payment and orders, applied in the field of communication technology and finance, can solve the problems of bank card information and user passwords being stolen, bank cards not separated, etc.

Inactive Publication Date: 2009-09-16
候万春
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] In the current field of communication technology and financial field, online shopping or telephone shopping has begun to be adopted by many merchants. Users generally pay remotely through bank cards. The disadvantage is that there is a risk of bank card information and user passwords being stolen during the payment process. Payment process without separation of order and bank card

Method used

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  • Safe payment system with separated order and payment and safe payment method
  • Safe payment system with separated order and payment and safe payment method
  • Safe payment system with separated order and payment and safe payment method

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Embodiment Construction

[0037] refer to figure 1 , figure 1 It is a schematic diagram of the logical structure of the secure payment service device 100 of the present invention, including:

[0038] The interface unit 20, wherein the signaling relay interface 201 is used to connect to the signaling equipment of the mobile communication network to realize the receiving and sending of signaling; the voice relay interface 202 is used to connect to the voice equipment of the mobile communication network to realize the voice media flow receive and send;

[0039] The IP network interface 203 is used to connect to the IP data network, and realize data interaction with peripheral payment devices in the data network through the TCP / IP protocol;

[0040] The authentication and authentication service unit 21 is used to verify user data;

[0041] The order business processing unit 22 is used to receive the order, send the order, store the order and return the final processing result of the order;

[0042] The...

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PUM

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Abstract

The invention provides a safe payment system with separated order and payment and a safe payment method, thereby realizing the separation of order and payment and facilitating information of a bank card of a user to be confidential during the payment process or not occur at the front end of the payment, the information of the bank card of the user only occurs between a payment center and a bank card payment transaction system of a bank or the bank card payment transaction system of CUP according to safety rules of standard bank payment transactions, preferentially, the invention adopts a mode of sending an order message to a mobile phone terminal, selecting an order on the mobile phone terminal by the user and submitting the payment, thereby being capable of meeting payment needs of the user anytime and anywhere.

Description

technical field [0001] The invention relates to the field of communication technology and the field of finance, in particular to a secure payment system and a secure payment method in which order and payment are separated. The present invention realizes safe payment by separating order and payment through the following transaction methods: when a user orders a product, the merchant's sales computer terminal sends the user identification code and the user's order information to the safe payment service device, and the safe payment The corresponding relationship between the user identification code and the user's bank card account number is pre-stored in the service device, and the user logs in to the secure payment service device through the client with his identification code, and the secure payment service device stores the user's order information After the user selects the order to be paid on the client, the client sends a payment order instruction to the secure payment ser...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q30/00G06Q20/34G06Q40/02
Inventor 沈侃侃候万春
Owner 候万春
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