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Financial IC card payment platform based on Internet

A payment platform and Internet technology, applied in the direction of finance, payment system, payment system structure, etc., can solve the problems of reducing payment security, troubled the development of online payment, etc., and achieve the effect of improving security and convenience

Inactive Publication Date: 2015-04-29
QINGDAO FENGHUA ERA INFORMATION TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The third-party payment platform facilitates the online payment of merchants and users, but reduces the payment security
This contradiction has always plagued the development of online payment.

Method used

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  • Financial IC card payment platform based on Internet
  • Financial IC card payment platform based on Internet

Examples

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Embodiment Construction

[0019] see figure 1 , the present invention includes three parts: one is payment transaction data management part (background system) 1, one is payee (merchant) transaction processing part 2, and one is payer (buyer) transaction processing part 3. These three parts are connected to each other through the Internet (or private network), and the payment transaction data management part (background system) 1 is also connected to financial settlement institutions (such as China UnionPay or various banks) with transaction settlement functions through the Internet (or private network) .

[0020] The specific composition of the three parts can be found in figure 2 , detailed as follows:

[0021] 1. Payment transaction data management part (background system) 1: As the core part of the financial IC card payment platform, its hardware is composed of a computer system, and its software includes: payee, payer and financial settlement institution information database module, payee And ...

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Abstract

The invention relates to a financial IC card payment platform based on Internet. The financial IC card payment platform based on the Internet comprises a payment transaction data management part, a payee transaction processing part and a payer transaction processing part, wherein the payment transaction data management part, the payee transaction processing part and the payer transaction processing part are interconnected through the Internet. The payment transaction data management part is further connected with a financial settlement institution. The financial IC card payment platform based on the Internet has the advantages that users scan or directly acquire collection information of merchants through mobile phones of themselves, enter input a password and swipe a card, and complete a payment transaction is completed, so that the participation of an Internet bankking or a mobile bankking is omitted. The transmition of the pPayment and transaction information is transmitted a double-channel transmition through the merchants and the mobile phones of the users, and meanwhile conducts the identifying information from the two double-channels is authenticated transmition in a background system. Different key code systems are utilized in the encryption and the decryption between the background system and the merchants, and between the background system and the mobile phones of the users, ncryption and decryption between the background system and the merchants and between the background system and the mobile phones of the users are achieved through different secret key systems, no payment transaction information content but only codes exist in data transmission between the merchants and the users, the difficulty of the hack attacks is increased in many links, and therefore the security and the convenience of the transaction are greatly improved.

Description

technical field [0001] The invention relates to an Internet-based financial IC card payment platform, which is suitable for the fields of third-party payment, mobile payment, online payment, online shopping and the like. Background technique [0002] The credit card payment system is a very typical payment platform. It relies on POS machines or early card readers to swipe the card (read the bank card information) and submit it to the background transaction system to complete the user's shopping payment process. This payment method has a clear process and convenient operation, and has become the mainstream method of offline (offline) payment today. With the popularization of the Internet, online businesses such as online shopping and online payment are developing rapidly. However, because online payment is difficult to realize credit card swiping like offline, most of them use online banking for payment. However, online banking also has certain limitations. First, users need...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/32G06Q20/34G06Q20/40
CPCG06Q20/023G06Q20/322G06Q20/34G06Q20/4014G06Q20/341G06Q20/382G06Q40/02H04L2209/56
Inventor 孙国华
Owner QINGDAO FENGHUA ERA INFORMATION TECH
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