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Payment method and system

A payment system and processing terminal technology, applied in the field of stored value card payment, can solve the problems of online transaction interference, bank card information being stolen, etc., and achieve the effects of avoiding theft, fast online payment, and convenient use

Inactive Publication Date: 2014-12-03
SHENZHEN GUANKAI TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] With the development of society, a variety of stored value cards are used in people's lives, more typical, such as bank cards, with the development of online banking, more and more transactions are carried out online, and usually need to be entered online Bank card information, and to complete the transaction, the bank card needs to open the online banking business, and it must also have various key protections for security reasons, which brings certain interference to online transactions, and the input of information on the device terminal is also easy. Incidents of bank card information being stolen

Method used

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  • Payment method and system

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Embodiment Construction

[0023] The realization of the purpose of the present invention, functional characteristics and advantages will be further described in conjunction with the embodiments and with reference to the accompanying drawings. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0024] refer to figure 1 , figure 1 It is a block diagram of Embodiment 1 of the payment system of the present invention. The payment system can be used for payment of cards such as bank cards and stored-value cards, especially for online payment. The payment system includes a card reader 1, a transmission device 2, The processing terminal 3 and the card management center 4, the card reader 1 reads the card information and inputs it to the processing terminal 3 through the transmission device 2, the processing terminal 3 performs data interaction with the card management center through the network, and the proc...

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Abstract

The invention provides a payment method, which comprises the following steps: card information is obtained by a card reader and is output to a processing terminal through a transmission device, and the processing terminal and a card management center carry out data interaction through a network to finish payment. Meanwhile, the invention also provides a payment system which applies the payment method. The payment system adopts a card swiping way to input the card information into terminal equipment so as to participate in and finish an on-line transaction, thereby avoiding the on-line card transaction activating procedure. Card information input is omitted in a card swiping way, so that a phenomenon that the card information is stolen since the card information is input on the terminal is avoided, and the card information and stored money are favorably guaranteed to be safe. Besides, the payment method and system provided by the invention is convenient to use, and facilitates on-line payment.

Description

technical field [0001] The invention belongs to the field of stored-value card payment, and in particular relates to a payment method and system applied to stored-value card payment. Background technique [0002] With the development of society, a variety of stored value cards are used in people's lives, more typical, such as bank cards, with the development of online banking, more and more transactions are carried out online, and usually need to be entered online Bank card information, and to complete the transaction, the bank card needs to be activated for online banking, and various encryption keys must be protected for security reasons, which brings certain interference to online transactions, and the input of information on the device terminal is also easy. Incidents of bank card information being stolen occurred. Contents of the invention [0003] In order to solve the above-mentioned technical problems, the present invention provides a payment method and system, wh...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/38
CPCG06Q20/341G06Q20/325G06Q20/4012
Inventor 洪永川
Owner SHENZHEN GUANKAI TECH