Card data business system used for payment on net and its method

An online payment and transaction system technology, applied in the field of online payment card data transaction system, can solve the problems of user fund loss, hidden safety hazards, restrictions on online business development, etc., and achieve the effect of great confidentiality

Inactive Publication Date: 2005-05-25
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This payment method has great security risks. The credit card number and password transmitted online may be maliciously obtain

Method used

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  • Card data business system used for payment on net and its method
  • Card data business system used for payment on net and its method
  • Card data business system used for payment on net and its method

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0029] This embodiment illustrates the application of virtual cards in online banking, such as Figure 1-5 Shown.

[0030] figure 1 The device is equivalent to Figure 4 The virtual card subsystem in 3. among them:

[0031] 7. The virtual card verification device is used to verify the legality of the virtual card;

[0032] 8. Virtual card transaction processing device, used to complete the business processing requested by the user;

[0033] 9. The interface with the banking system is used to connect to the banking system and complete transactions;

[0034] 10. The data table records the components of the virtual card and the designated bank account. The information of the virtual card holder is consistent with the information of the owner of the bank account.

[0035] The virtual card verification device 7 is connected to the virtual card transaction processing device 8, and the virtual card transaction processing device 8 is connected to the banking system interface 9 and the da...

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PUM

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Abstract

The present invention relates to the field of data transmission technology. In the concrete, it is a card data transaction system for payment on net and its method. Said system includes data table, virtual card verification device, virtual card transaction, processing device and interface of bank service system. Said invention also provides the steps for implementing said method.

Description

technical field [0001] The invention relates to the technical field of online data communication, in particular to a card data transaction system and method for online payment. Background technique [0002] With the rapid development of the Internet and e-commerce, more and more enterprises or individuals have begun to conduct business on the Internet, which greatly facilitates the public, who can enjoy various services and information without leaving home. Usually, the cardholder needs to input the bank card number and password when receiving services or information online by using the bank card for online payment. This payment method has great security risks. The credit card number and password transmitted online may be maliciously acquired by a third party and stolen, resulting in the loss of users' funds, which largely limits the development of online business. [0003] The virtual card of the present invention is used in B2C online shopping as a payment card. Content...

Claims

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Application Information

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IPC IPC(8): G07F19/00
Inventor 苏文力王刚王嵩李秀媛殷明王怡
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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