Interactive E-bank achieving method and system

Abstract

The invention discloses an interactive E-bank achieving method and system and belongs to the field of communication. The interactive E-bank achieving method comprises the following steps that a payment service procedure is started; a cloud service platform generates an electronic sales account bill with unique identification and sends the electronic sales account bill to a password editor server; after the cloud service platform establishes connection with a mobile internet terminal of a payment user, the password editor server and the mobile internet terminal of the payment user can carry out recognition; when recognition passes, the password editor server and the mobile internet terminal of the payment user can carry out authentication; when the authentication passes, the mobile internet terminal of the payment user can establish connection with an E-bank server through the password editor server; the password editor server can transmit the payment service data between the mobile internet terminal of the payment user and the E-bank server to achieve payment service. The interactive E-bank achieving method and system simplify procedures for receipt of commercial tenants and payment of users and improve business efficiency of both sides in business.

Description

[0001] The invention relates to the communication field, in particular to an interactive online banking realization method and system. [0002] Background technique [0003] With the rapid development of communication technology, online banking has brought more and more efficient and convenient services to people. In daily life, people can realize Interconnection with the online banking server, so as to realize fast and convenient online banking services. Among them, the common business process is that the transaction request is initiated by the payer: the POS physical device swipes the card or the online order initiates the payment. In the process of realizing the present invention, the inventor, It is found that the above prior art has at least the following shortcomings and deficiencies: POS card swiping is to realize the connection between the cardholder and the dedicated network of online banking in a face-to-face situation. This connection method greatly limits the use o...

AI Technical Summary

Problems solved by technology

[0003] With the rapid development of communication technology, online banking has brought more and more efficient and convenient services to people. In daily life, people can realize Interconnection with the online banking server, so as to realize fast and convenient online banking services. Among them, the common business process is that the transaction request is initiated by the payer: the POS physical device swipes the card or the online order initiates the payment. In the process of realizing the present invention, the inventor, It is found that the above prior art has at least the following shortcomings and deficiencies: POS card swiping is to realize the connection between the cardholder and the dedicated network of online banking in a face-to-face situation. This connection method greatly limits the use occasions and scope of bank cards, and POS The cost of equipment manufacturing, deployment and maintenance is relatively high; while online payment and electronic payment connect Internet users to the bank server through the dedicated network of online banking to realize online banking services. Users connected to this network need to open an account To activate the payment service, you need to bring a USB shield at any time, have access to the Internet, and remember the corresponding password. The operation is complicated and the user feels very troublesome. Therefore, it is often easy to give up halfway and miss business opportunities.

[0004] At present, with the widespread application of smart phones and the binding of a large number of mobile phone users with bank card services, there are great business opportunities for card-free payment. There is not yet a complete docking network payment platform, so that the card-free payment business cannot be well applied due to the cumbersome process and the incomplete payment application platform.

Images