Quick internet payment method and system

A network payment and fast technology, applied in the field of Internet data transmission, can solve problems such as poor user experience, high payment failure rate, complicated process, etc., and achieve the effect of fast and convenient payment requirements

Inactive Publication Date: 2013-01-16
汇付天下有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0011] The technical problem to be solved by the present invention is to provide a network fast payment method and system, which can solve the problems of high payment failure rate and poor user experience caused by the complicated process of the existing network payment scheme

Method used

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  • Quick internet payment method and system
  • Quick internet payment method and system

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Embodiment Construction

[0035] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0036] One of the core ideas of the present invention is that the merchant has its own membership system, and the merchant carries the user's unique identifier every time in the payment request. When the merchant member chooses to use quick payment for shopping for the first time, he will pay through the opening page of the online quick payment platform. After the order payment is successful, the card will be bound to the user; when the member uses the opened quick payment again for shopping , you only need to enter the mobile phone verification code on the Huifu Express Payment page to complete the order payment.

[0037] refer to figure 1 , shows the flow of the first embodiment of the network shortcut payment method of the pre...

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Abstract

The invention provides a quick internet payment method and system. The quick internet payment method comprises the following steps: correcting the necessary transaction parameters included in a payment request after receiving the payment request of the user by a quick internet payment platform; ending the payment process if the necessary transaction parameters are not sufficient; sending the short message with the dynamic authentication password to the user by the quick internet payment platform, authenticating whether the user submits the right dynamic authentication password in the preset time or not, and ending the payment process if the user does not submit the right dynamic authentication password in the preset time; sending the payment request to an internet bank platform through a bank gateway interface, and returning the bank payment result to the user. On the basis of the scheme of the invention, the user does not need to additionally register the account of the payment company of the third party and finishes the payment process by inputting the dynamic authentication password of the short message without logging in after binding the bank card. The problems of more payment links, high paying failure rate due to complex process and poor user experience in the prior art are solved.

Description

technical field [0001] The invention relates to the technical field of Internet data transmission, in particular to a network fast payment method and system. Background technique [0002] In recent years, my country's e-commerce market has developed rapidly, showing a trend of a sharp increase in the number of customers, a continuously enlarged transaction scale, and an increasingly wide range of influence. As an important part of the whole network payment system, the fund channels are all provided by commercial banks with online banking services (a system platform that provides financial services through information networks). Existing online payment schemes are all based on an assumption: the user needs to register an account in advance when paying on a third-party payment platform. When paying, only after logging in with the user name and password can the bank card be used for payment. The payment process mainly includes: [0003] Step 1: The user registers an account ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38
Inventor 周晔
Owner 汇付天下有限公司
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