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Method and system for feeding back payment result information by online bank

A result information, online banking technology, applied in the payment system structure, instrument, data processing application and other directions, can solve the problems of B2C payment dropped orders, the link between the proxy server and the merchant server is not connected, and the merchant cannot deliver goods in time, etc., to achieve smooth and smooth Online payment, overcoming missed payment orders, maintaining the effect of transaction sessions

Inactive Publication Date: 2011-09-21
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, in the actual application environment, there are the following disadvantages in the payment result information feedback process: (1) The link between the proxy server and the merchant server is not connected; (2) The connection between the proxy server and the merchant server times out, and the bank server cannot send the order payment result information to up to the merchant server
Due to the above disadvantages, B2C payment orders are lost, merchants cannot deliver goods in time, etc.
[0005] In addition, the merchant server and the bank server cannot maintain a session. When the client terminal gives up the payment halfway, or initiates shopping again after the payment is successful, the client terminal can only close the browser and log in to the shopping website of the merchant server again, so that the online transaction cannot be closed. Inconvenience caused by online shopping and payment

Method used

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  • Method and system for feeding back payment result information by online bank
  • Method and system for feeding back payment result information by online bank
  • Method and system for feeding back payment result information by online bank

Examples

Experimental program
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Embodiment 1

[0026] The payment result notification method of this embodiment uses the customer's browser to access both the merchant's website and the bank's server, which is actually a feature of an invisible route connecting the merchant and the bank, simulating the customer's browser as a Virtual routing establishes the connection between the merchant and the bank, and the order payment notification information signed by the bank is submitted to the merchant server through the customer browser, which overcomes the disadvantages of the traditional notification method and ensures that the transaction notification information signed by the bank can accurately reach the merchant server. Solve the problem that the traditional mode of transaction cannot be closed.

[0027] Such as image 3 As shown, the method for payment result notification of this embodiment includes the following steps

[0028] Step b1: The customer visits the merchant website through a browser to submit an order;

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Embodiment 2

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PUM

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Abstract

The invention provides a method and system for feeding back payment result information by an online bank. The system comprises a client terminal, a bank server and a merchant server which are interconnected through internet; the client terminal comprises an order submitting unit, a payment information generation unit, a payment conforming information generation unit and a payment result feedback unit; the merchant server comprises an order reply unit and a payment result receiving unit; and the bank server comprises a payment page transmitting unit, a payment result page generating unit and a payment result page transmitting unit. By using the method and system, the payment result information with bank signatures accurately reach the merchant server in time; meanwhile, the online transaction can be carried out in a closed cycle manner.

Description

technical field [0001] The present invention relates to online bank payment technology, specifically a method and system for online bank to feed back payment result information. Background technique [0002] In the prior art, purchasing commodities and paying fees through the Internet needs to be completed through the cooperation of client terminals, merchant servers, proxy servers and bank servers. [0003] Such as figure 1 As shown, the customer browses the website of the merchant server through the client terminal and places an order (step a1); the merchant server signs the order information through the certificate issued by the bank to the merchant, and returns the client's browser (step a2); the client terminal sends the order The information is submitted to the online banking server of the bank (step a3); the bank server parses the signature of the merchant, verifies the order information, checks the status and authority of the merchant (step a4); the bank server retu...

Claims

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Application Information

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IPC IPC(8): G06Q20/00
Inventor 宛秋潘葛桐胡培玥彭琳
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA