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
CN102880959AInactive Publication Date: 2013-01-16汇付天下有限公司
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
汇付天下有限公司
Publication Date
2013-01-16
Estimated Expiration
Not applicable · inactive patent

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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.
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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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