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Electronic check payment system and electronic check payment method

An electronic check and payment system technology, applied in the field of mobile communication, can solve problems such as credit card consumption security issues

Inactive Publication Date: 2011-03-16
陈祁麟 +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0019] In order to solve the security problems existing in the existing third-party payment and credit card consumption, an object of the present invention is to provide an electronic check payment system

Method used

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  • Electronic check payment system and electronic check payment method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0101] An electronic check payment system, which includes a mobile terminal, an electronic check service center and a bank transaction platform. The mobile terminal is equipped with a client program. The client program can be downloaded from the Internet or installed on the mobile phone in advance. The mobile terminal uses the client program to exchange information and data between the mobile terminal and the electronic check service center; the electronic check service center uses proprietary data The network is connected to the bank-type transaction platform for the exchange of information and data between the electronic check service center and the bank-type transaction platform; the bank-type transaction platform is connected to the mobile terminal through the communication network of the telecommunication operator, and is used for the communication between the bank-type transaction platform and the mobile terminal Information data exchange.

[0102] The payment method of the...

Embodiment 2

[0122] An electronic check payment system, which includes a mobile phone terminal, an electronic check service center, a merchant platform and a bank transaction platform. The mobile terminal is equipped with a client program. The client program can be downloaded from the Internet or installed on the mobile phone in advance. The mobile terminal uses the client program to exchange information and data between the mobile terminal and the electronic check service center; the electronic check service center uses proprietary data The network is connected to the banking transaction platform for the exchange of information and data between the electronic check service center and the banking transaction platform; the merchant platform is connected to the electronic check service center through the network for the exchange of information and data between the electronic check service center and the merchant platform; The transaction platform is connected to the mobile terminal through the...

Embodiment 3

[0139] The electronic check payment system is the same as in Example 2.

[0140] The payment method of the above electronic check payment system is carried out according to the following process:

[0141] (1) User signing

[0142] The same as in Example 1.

[0143] (2) Merchant signing

[0144] Same as Example 2.

[0145] (3) Authentication binding

[0146] The same as in Example 1.

[0147] (4) Check generation

[0148] The same as in Example 1.

[0149] (5) Pay for consumption

[0150] (1) The merchant enters the user identification number, check number and payment amount to be paid through the client program, and the client program encrypts the data and transmits it directly to the electronic check service center through the network;

[0151] (2) The electronic check service center verifies the legitimacy of the check number. If the check number is legal, the user identification number, frozen number, check number and merchant’s credited account ID are transmitted to the bank-type transacti...

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Abstract

The invention relates to the technical field of mobile communication and the field of finance, in particular to an electronic check payment system and an electronic check payment method. The electronic check payment system comprises a user terminal, an electronic check service centre and a banking transaction platform. The electronic check payment system of the invention only has a media effect, does not grasp the bank account and the code data of a user in a payment process and also does not store a large amount of money, so that the security problem of a third-part payment platform is solved. At the same time, because payment initiation and payment determination in the system are performed by two separated wires, the security problem that the bank account and the code data are intercepted by illegal traders in the third-part payment platform and during bank card consumption is solved. Therefore, the invention has the characteristics that: the electronic check payment system and the electronic check payment method are safe, convenient and quick.

Description

Technical field [0001] The present invention relates to the technical field of mobile communication and the financial field, in particular to an electronic check payment system and an electronic check payment method. Background technique [0002] Traditional payment methods include cash, checks, etc. Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the use of bank cards has continued to expand. Not only has the circulation of cash and checks been reduced, but also the banking business has undergone fundamental changes due to breaking through the limitations of time and space. Credit card consumption (debit card and credit card) has become a more convenient way, but because debit and credit cards are convenient and quick to use, coupled with the rapid development of technology, debit and credit cards The security problems we face are becoming more and more serious. The main security problems are mainly divided in...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G07F19/00G06Q20/10
Inventor 陈祁麟史恩
Owner 陈祁麟
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