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Online payment method and online payment system based on IC bank card

A payment system and bank card technology, applied in the payment system, payment system structure, equipment, etc., can solve the problems of third-party accounts and passwords being stolen, stealing users' money, etc., and achieve payment security and convenience High performance, high ease of use, and guaranteed safety

Active Publication Date: 2015-09-09
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although this payment method saves the user from entering bank card information, its third-party account and password are also at risk of being stolen
And once it is stolen, it is equivalent to stealing the bank card bound to the background account, and then stealing the user's money

Method used

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  • Online payment method and online payment system based on IC bank card
  • Online payment method and online payment system based on IC bank card

Examples

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Embodiment Construction

[0067] Introduced below are some of the various embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

[0068] figure 1 It is a structural block diagram of the IC bank card-based online payment system of the present invention.

[0069] Refer below figure 1 The outline of the IC bank card-based online payment system of the present invention will be described.

[0070] like figure 1 As shown, the IC bank card-based online payment system of the present invention includes: an IC bank card 100 , an acceptance application 200 , a payment application 300 , and a payment system 400 .

[0071] Wherein, the IC bank card 100 refers to an IC bank card conforming to the PBOC application specification and loaded with a PBOC payment application. The IC bank card 100 in the present invention can at least support the contactless payment meth...

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PUM

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Abstract

The invention relates to an online payment method and online payment system based on an IC bank card. The online payment method based on the IC bank card comprises a binding activating step and a payment step. The payment step comprises: a first sub step that a payment application initiates a dynamic token generating request to an accepting application; a second sub step that the accepting application verifies whether the dynamic token generating request is valid and initiates a dynamic token acquiring request to the IC bank card if yes; a third sub step that the IC bank card generates dynamic token abstract data according to the dynamic token acquiring request and returns the dynamic token abstract data to the accepting application; a fourth sub step that the accepting application generates a dynamic token according to the acquired dynamic token abstract data and returns the dynamic token to the payment application; a fifth sub step that the payment application transmits a payment request including the dynamic token to a payment system; and six sub step that the payment system authenticates the payment request and completes payment if authentication succeeds.

Description

technical field [0001] The invention relates to the field of online payment, in particular to an IC bank card-based online payment method and an online payment system. Background technique [0002] With the continuous advancement of the domestic IC bank card migration process, more and more banks have begun to issue IC bank cards. By 2015, all domestic banks will no longer issue magnetic stripe cards, but issue IC bank cards. At present, it has become more and more common for users to use IC bank cards for payment. [0003] With the popularization of domestic IC bank cards, more and more mobile terminal manufacturers use NFC card reader module as the standard technology of mobile devices, such as Samsung and so on. At the same time, PC industry giant Intel has released PC chips with built-in NFC card reading function modules, and has cooperated with notebook OEM manufacturers to launch notebook computers with IC card reading functions. [0004] On the other hand, with the...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/34
Inventor 郑建宾周钰
Owner CHINA UNIONPAY
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