Computer, payment system and method thereof for realizing on-line payment

Abstract

The invention discloses a payment system for realizing on-line payment, which comprises a computer, a payment gateway and a card issuance bank, wherein a user carries out on-line payment by utilizinga payment special module on a keyboard; the payment gateway is used for receiving the sensitive data and the transaction data of a bank card; and the card issuance bank is used for receiving the transaction data. The invention also discloses a payment method which comprises the following steps: ordering a merchandise by a user and selecting a financing computer payment mode; redirecting a web pageto a unitive payment page; brushing a card by the user and inputting a password; and matching a transaction result and an order by a businessman and searching and affirming a payment result by the user. By the payment system and the method of the invention, the convenience of electronic commerce and the safety of a financing computer are integrated into a whole, the traditional card-brushing transaction is introduced into the payment link of on-line transaction, on-line ordering and card-brushing payment are realized, and the invention enhances the safety grade of the on-line payment and is also convenient for a network user greatly.

Description

technical field [0001] The invention relates to the field of e-commerce application, in particular to the safe payment technology in the e-commerce application. Background technique [0002] With the development of the economy and the improvement of people's living standards, bank cards have become a payment tool and means of payment that can be seen everywhere in daily life. For example, POS terminals in shopping malls, supermarkets, airports or hotels provide users with convenient services. Cardholders only need to enter the password of the bank card to realize currencyless payment. In addition, with the vigorous development of e-commerce on the Internet, the online payment business of bank cards has also shown a rapid growth trend. Compared with the traditional business of bank cards, online payment is an emerging business field. Online buyers are making online payments. When you provide your bank card account number and personal password, you can complete the product pu...

AI Technical Summary

Problems solved by technology

Although, in the prior art, the card issuing bank has launched online banking services for the development of e-commerce, and uses a hardware security chip as the carrier of the transaction certificate to improve the security of the transaction, by binding the bank card and the transaction certificate in the background However, users must first go to the bank to purchase a hardware security chip and bind it to a bank card. The cost is high and the operation steps are cumbersome. Subsequent business changes can only be handled at the bank counter, which brings many problems to users. inconvenient

Images