Electronic payment system based on cloud data processing technology

Abstract

An electronic payment system based on cloud data processing technology, comprising: a terminal device, a cloud server, a payment server and a bank server; the terminal device is suitable for sending a payment confirmation message to the cloud server, the payment confirmation message carrying order information, the user's Payment account number, verification information, and identity data of the terminal device; the cloud server is suitable for verifying the order information, and submits a payment request to the payment server after the verification is passed. The payment request at least carries the payment amount, payment object, and order information. The transaction number, payment account number and verification information, and identity data of the terminal device; the payment server is adapted to obtain the payment account corresponding to the payment account based on the stored binding relationship between the user's payment account number, bank account number, and identity data of the terminal device. bank account number, and complete the payment with the bank account number through the bank server after verifying the verification information. The technical solution can ensure the safety and convenience of electronic payment.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to an electronic payment system based on cloud data processing technology. Background technique [0002] At present, it is more and more common to make payments and transfers through banks. Banks read passbooks or magnetic stripe cards through commercial cash registers (POS, Point Of Sales), automatic teller machines (ATM, Auto Teller Machine) or at the counter. With the popularity of telephone banking and online banking, banks have also begun to read bank account information through telephone and the Internet. [0003] In the above way, the information including the real information of the payer's bank account is transmitted directly to the bank. In some cases, the customer of the bank, that is, the payer does not want to directly provide real account information, such as worrying about the leakage of real account information; in other cases, providing real account information wi...

AI Technical Summary

Problems solved by technology

In some cases, the customer of the bank, that is, the payer does not want to directly provide real account information, such as worrying about the leakage of real account information; in other cases, providing real account information will bring inconvenience to the payer, such as payment Those who cannot accurately remember the account information, or do not carry passbooks or bank cards, etc.

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