Transaction payment method and system

A payment system and transaction technology, applied in the network field, can solve the problems of user identity information security, data theft, easy loss of mobile phones, etc.

Inactive Publication Date: 2013-04-03
TENPAY PAID TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, these traditional transaction payment methods have various security problems when confirming user identity information
For example, for mobile banking, the mobile phone is easy to lose; for Internet payment and online banking payment, usually only the user password needs to be verified, and the method of verifying user identity information is single. When there is a Trojan horse virus in the user terminal computer, it is easy to lead to data theft.
Therefore, the security of traditional transaction payment methods is not high

Method used

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  • Transaction payment method and system
  • Transaction payment method and system
  • Transaction payment method and system

Examples

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Embodiment Construction

[0047] like figure 1 As shown, in one embodiment, a transaction payment method includes the following steps:

[0048] Step S102, the payment terminal acquires the payment information of the user, the payment information including the communication number, and the payment terminal submits the payment information to the telephone payment system.

[0049] The payment terminal can be a computer, a TV set, a mobile communication terminal and other embedded electronic devices, and an order can be submitted through a web browser, or an order can be submitted through an instant messaging tool, thereby generating order data. The order data includes user information, merchant information, purchased commodity information, and the like. Among them, user information includes user registered account, user name, harvesting address, contact information, etc.; business information is business information, such as store name, address, contact information, etc.; purchased commodity information ...

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Abstract

The invention discloses a transaction payment method. The transaction payment method comprises the following steps that a payment terminal obtains the payment information of a user, the payment information comprises a communication number, and the payment terminal sends the payment information to a phone payment system; the phone payment system can call the communication number through an interactive voice response platform so as to obtain a payment password input by the user, and the payment password and the payment information are sent to a banking system; and the banking system can verify the payment password and the payment information, and if the payment password and the payment information pass the verification, the payment is performed. The transaction payment method is adopted and can improve payment security. In addition, the invention also provides a transaction payment system.

Description

【Technical field】 [0001] The present invention relates to network technology, in particular to a transaction payment method and system. 【Background technique】 [0002] With the rapid development of e-commerce and the improvement of the electronic service level of banks, banks and third-party payment methods are constantly innovating. Currently, there are various payment methods, including traditional POS payment, ATM payment, online banking payment, and mobile banking. It provides people with fast and convenient payment methods, which greatly facilitates people's daily life. [0003] Traditional transaction payment methods usually use single-channel information transmission. For example, mobile banking, which relies on the network of mobile communication operators and based on WAP technology, provides mobile phone customers with financial services such as account inquiry, transfer, payment, and consumer payment. For example, Internet payment and online banking payment tran...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/322G06Q20/4012G06Q20/425G06Q20/3255G06Q20/386G06Q20/42
Inventor 向陶廖少波刘铁华赵大鹏冯云霞成敏
Owner TENPAY PAID TECH
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