Method, equipment and system for acquiring payment document

A payment system and voucher technology, applied in payment systems, payments involving neutral parties, etc., can solve problems such as poor user experience, difficulty in providing payment mode expansion, and lack of flexibility in payment voucher processing and acquisition, to improve The effect of flexibility

Active Publication Date: 2013-07-03
CHINA UNIONPAY
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In addition, due to the singleness of the channel, the user experience of the payment process is not very good, and it is difficult to provide expansion of the payment mode
At present, various banks and third-party payment companies

Method used

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  • Method, equipment and system for acquiring payment document
  • Method, equipment and system for acquiring payment document
  • Method, equipment and system for acquiring payment document

Examples

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Example Embodiment

[0047] The present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be noted that the various structures in the drawings are only schematic illustrations, to enable those skilled in the art to best understand the principle of the present invention, and they are not necessarily drawn to scale.

[0048] Fig. 2 schematically shows the framework structure of the system for obtaining the user's payment credential provided by the present invention. The system includes the payment certificate multi-channel access device 200 provided by the present invention, and a plurality of uploading channels 1~n and a plurality of background payment systems 1~n respectively communicating with the device. The uploading channel may be, for example, a mobile terminal, an Internet terminal, etc., including a mobile phone, a personal digital assistant (PDA), a personal computer, and the like. The background payment s...

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Abstract

The invention provides a method, equipment and a system for acquiring a payment document through a plurality of channels. With the adoption of the method, the equipment and the system, relevant security risks such as steal of relevant secret data such as the payment document due to the fact that a secure channel established by a single uploading channel is broken in the existing payment mode can be effectively avoided. In addition, the system can realize access of multiple payment systems, and automatically selects the most appropriate payment system to accomplish a payment transaction according to the uploaded payment document. Therefore, according to the method, the equipment and the system, a user can securely upload the payment document through different channels, and the flexibility of payment document processing and acquisition of the payment systems is improved greatly. The method and the system are described via a specific embodiment.

Description

technical field [0001] The present invention relates generally to the field of electronic payments, and more particularly to methods, devices and systems for obtaining payment credentials. Background technique [0002] With the continuous development of information technology and network technology, e-commerce is more and more widely used in product sales because of its convenience and speed. Electronic payment has become a basic payment method in e-commerce. [0003] At present, common payment systems for supporting electronic payment mostly follow the solution shown in FIG. 1 for obtaining payment vouchers. Generally speaking, the user first enters complete payment credentials, such as bank card number and payment password, according to the interface provided by the payment system on the terminal device. Subsequently, the terminal device processes the complete payment voucher input by the user (including encryption, MAC calculation, etc.), and sends it together with othe...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/38
Inventor 何朔鲁志军郑建宾
Owner CHINA UNIONPAY
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