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Micropayment system and implementation method thereof

A payment system and implementation method technology, applied in the micro-payment system, the implementation field of the micro-payment system can solve the problems of small companies or individuals with poor security, and achieve the effect of preventing infringement and guaranteeing user experience

Inactive Publication Date: 2012-07-04
SHENGDA COMP SHANGHAI
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This brings about a problem. The micropayment platform is reliable, but the micropayment platform is oriented to many content providers. Some of these providers are large companies with good reputation, and many are small companies with poor guarantees. Or individuals, these providers can directly deduct the user's funds through the micro-payment interface, so how to improve the security of payment transactions under the premise of ensuring the user's convenient payment is an urgent problem that micro-payment needs to solve

Method used

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  • Micropayment system and implementation method thereof
  • Micropayment system and implementation method thereof
  • Micropayment system and implementation method thereof

Examples

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Embodiment Construction

[0042] Such as figure 1 As shown, the micropayment system of the present invention includes a micropayment access bus, a micropayment access gateway, a micropayment access terminal, a security control module, an authentication authentication module, an authentication authentication result storage module, and a real-time sampling probability adjustment module , micropayment module and payment failure processing module;

[0043] The security control module is used for security control of the micropayment; the security control module is provided with a sampling probability module, and the sampling probability module is used to set the sampling probability of each access merchant micropayment requesting different authentication methods and The merchant initiates a micropayment request for probability sampling (such as figure 1 As shown, the micro-payment access terminal requests payment, and requests sampling from the sampling probability module through the micro-payment access g...

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Abstract

The invention discloses a micropayment system, which comprises a safety control module, an authentication and certification module, an authentication and certification result storage module, a sampling probability real-time adjusting module and a micropayment module, wherein a sampling probability module is arranged in the safety control module, and is used for setting sampling probabilities of different authentication and certification manners of each micropayment request accessed to a trade company, carrying out probabilistic sampling on the micropayment requests, and entering the authentication and certification module for carrying out micropayment authentication and certification when a request to be authenticated and certified exists; the authentication and certification result storage module is used for storing the authentication and certification result of the authentication and certification module; the sampling probability real-time adjusting module is used for correspondingly adjusting the sampling probability of the trade company authentication and certification in the sampling probability module according to the accumulated authentication and certification result; and the micropayment module is used for carrying out micropayment after the user authentication and certification is successful. In addition, the invention also discloses an implementation method of the system. According to the invention, the micropayment safety is improved on the premise that the convenience and quick payment experience of the user are not influenced.

Description

technical field [0001] The present invention relates to a network payment system, in particular to a micropayment system; in addition, the present invention also relates to a method for realizing the micropayment system. Background technique [0002] Micropayment refers to some small amount of fund payments made on the Internet. Micropayment is suitable for the most active commodity transactions of B2C (business-to-consumer e-commerce) and C2C (consumer-to-consumer e-commerce), especially digital products such as digital music and games, such as websites that provide users with search services , downloading a piece of music, downloading a video clip, downloading a trial version of software, etc., the payment costs involved are very small, often only a few cents, a few yuan or tens of yuan. Micropayment (micropayment) is proposed to solve these "small amount of payment". [0003] This payment mechanism has special system requirements. Under the premise of meeting certain se...

Claims

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Application Information

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IPC IPC(8): G07F19/00G06K9/00
Inventor 王洪涛李敏国杨涛
Owner SHENGDA COMP SHANGHAI
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