Online payment method and system

Abstract

The invention provides an online payment method and a system. The system comprises a third party online payment platform, a terminal, a card reader, a bank POS (Point-Of-Sale) collection passage, wherein, the third party online payment platform is used for acquiring merchant number and order information and is connected with the card reader for prompting; the card reader is used for swiping the bank card of a user; and the third party online payment platform reads the magnetic track information of the bank card and sends a payment deduction request for the bank POS collection passage based on the magnetic track information uploaded by the payment client side. According the invention, a present increasing-matured intelligent mobile platform, voice IVR (Interactive Voice Responser) and other tools bring convenience for the online and mobile payment of the users; the restriction on online payment of an individual user is greatly reduced; the quick payment of non net users and debit card users can be realized; a very convenient payment passage is brought for the mobile phone payment consumers; and under the condition that the POS equipment cost is greatly reduced, the card swiping payment function is realized. Therefore, the system has a better market prospect.

Description

technical field [0001] The invention relates to an online payment method and system, in particular to an online payment method and system based on card swiping payment. Background technique [0002] With the rapid development of e-commerce, the online payment market for individual users has developed vigorously, but at present, online payment is still subject to many restrictions such as the opening of online banking, especially in the field of mobile payment, it is difficult to adapt to the digital certificates of banks, U Shield and other equipment, there is a big gap. The current mainstream personal payment methods are as follows: [0003] 1. Personal online banking needs to be opened at the bank counter, the procedures are more complicated, and personal digital certificates and USB-shield devices are usually issued, which cannot be used on mobile phones; [0004] 2. Mobile POS is generally used in fixed places such as restaurants and hotels. There are few applications ...

AI Technical Summary

Problems solved by technology

[0003] 1. Personal online banking needs to be opened at the bank counter, the procedures are more complicated, and personal digital certificates and USB-shield devices are usually issued, which cannot be used on mobile phones;

[0004] 2. Mobile POS is generally used in fixed places such as restaurants and hotels. There are few applications in the personal market, and the cost is high (above several hundred yuan), so it is difficult to popularize and apply;

[0005] 3. Credit card online payment is relatively simple, but limited by the supported banks, it is troublesome to open in the early stage, and debit cards cannot be used;

[0006] 4. A third-party payment account or card payment generally needs to be signed, and the account balance needs to be charged in advance, and a third-party payment account needs to be opened, which has many restrictions and is difficult to popularize;

[0007] Due to the great potential safety hazards in online banking, criminals steal online banking account passwords through Trojan horse programs and other malicious software, which greatly damages the interests of online banking users. Furthermore, for service providers, the existing online banking maintenance The cost is very expensive, and not all banks have online banking, so the existing above-mentioned personal payment methods all have the problems of high threshold of use, great security risks, and poor user experience

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