Method, equipment and system for acquiring payment document

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...

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 are fighting on their own, resulting in a lack of flexibility in the processing and acquisition of payment vouchers by various payment systems, which has brought great inconvenience to users when conducting electronic payment operations.

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