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Certificate chain payment gateway system and a use method thereof

A payment gateway and certificate technology, applied in the payment system, payment system structure, data processing application, etc., can solve the problems of security loopholes, internal transaction supervision of third-party payment platforms, etc.

Pending Publication Date: 2019-04-05
GLOBAL PRESTIGE INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In order to overcome the deficiencies in the prior art, the present invention provides a certificate chain payment gateway system, which solves the problems of the operating cost of the e-commerce platform, security loopholes and the bank's inability to implement internal transaction supervision on the third-party payment platform in the prior art, Realized online unified payment

Method used

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  • Certificate chain payment gateway system and a use method thereof
  • Certificate chain payment gateway system and a use method thereof
  • Certificate chain payment gateway system and a use method thereof

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Embodiment Construction

[0056] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0057] A certificate chain payment gateway system, the system includes a payment terminal, a payment gateway and a payment gateway server, the payment terminal is provided with an information collection module, a multi-center verification module and a multi-center storage module; the payment terminal is wirelessly connected to the payment gateway , the payment gateway is wirelessly connected to the payment gateway server;

[0058] The payment terminal is used ...

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Abstract

The invention relates to the technical field of online payment, in particular to a certificate chain payment gateway system and a using method thereof, a user initiates a payment request at a paymentterminal, identity information of the user is verified through a payment gateway server, and the payment gateway server initiates a verification request to a multi-center verification module; The multi-center verification module comprises an identity verification unit, a biological verification unit and a certificate verification unit; The multi-center storage module stores the verification records; And the payment gateway processes the received payment request, binds the name of the opening bank of the user, the electronic identity card ID of the user, the bank account and the biological combination feature, and generates a unique electronic bank account. And the payment gateway realizes the transaction between the merchant and the electronic bank account of the user, and stores the transaction record. And the bank supervision department is responsible for supervising transaction data of each time in real time and storing transaction records by setting an auditing server.

Description

technical field [0001] The present invention relates to the technical field of online payment, and more specifically, relates to a certificate chain payment gateway system and a usage method thereof. Background technique [0002] Online payment means that when the seller and the buyer conduct transactions through e-commerce websites on the Internet, banks and other third parties provide them with online fund settlement tools. Payment Gateway (Payment Gateway) is the interface between the bank's financial network system and the Internet network. It is a set of server equipment operated by the bank that converts the data transmitted on the Internet into internal data of the financial institution, or is processed by a third party designated by the merchant. Payment information and payment instructions from customers. [0003] With the development of Internet technology, online payment is increasingly used in various e-commerce platforms. Different from the traditional offline...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/40
CPCG06Q20/027G06Q20/40145G06Q20/322G06Q20/386
Inventor 李俊张琴
Owner GLOBAL PRESTIGE INFORMATION TECH CO LTD
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