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On-line safety payment system

A technology of secure payment and payment gateway, applied in the field of online payment system, can solve the problems of inapplicable individual users or users in remote areas, high cost of equipment purchase, maintenance and renovation, inapplicable to Internet payment, etc., to reduce transaction risks and secure The effect of improved sex and low price

Inactive Publication Date: 2006-05-03
GUANGZHOU UNIONPAY NETWORK PAYMENT
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the current UnionPay POS terminals that are generally installed in shopping malls and other environments have problems such as high equipment purchase, maintenance, and renovation costs, and are not suitable for Internet payment, especially for individual users or users in remote areas.
[0005] In addition, IC card transactions will also become an important way of online transactions in the future. IC card transactions, like the above-mentioned magnetic card transactions, will also be limited by the shortcomings of the above-mentioned technologies.

Method used

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Embodiment approach

[0027] reference figure 1 , An online secure payment system provided by the present invention includes a user terminal 1, a payment gateway 2, and a background transaction processing system 3. The user terminal 1 and the payment gateway 2 are connected to the Internet 4 and communicate with each other through the Internet 4. The background transaction processing system 3 is connected to the payment gateway 2, and the specific implementation can be connected through a LAN. The user terminal 1 includes a host 10 and a card reader 11 connected to the host 10 through a serial interface.

[0028] In the first embodiment of the present invention, the user terminal 1 further includes a password keyboard 12 connected to the host 10. The password keyboard 12 can be integrated with the card reader 11 or set separately from it. The card reader + password keyboard two-in-one device is suitable for users selling at the counter, and the user can enter the password through the password keyboard...

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Abstract

The invention discloses an internet safety paying system which comprises a user end and paying gate way used to intercommunication by the internet, wherein the paying gate way is connected with the background exchange processing system. It adds the card reader which is connected with the host machine and the gather encoding program inside the host machine except visiting the host machine of the internet. It adopts the gather encoding program and the card reader to gather and encode the userí»s card information and key information. It also discloses an internet safety paying method.

Description

Technical field [0001] The present invention relates to an online data communication technology, and more specifically, the present invention relates to an online payment system. Background technique [0002] At present, the customer terminal in the Internet payment system mostly uses magnetic card transactions, using the non-magnetic and secret transaction method, that is, manually inputting the bank card number and bank card password. Due to the lack of effective verification of the physical medium of the bank card for the transaction, As a result, the security of the online payment system is poor, and the cardholder's funds are prone to be stolen. And due to the banking system's restrictions on non-magnetic transactions, cardholders' payment scope and payment limit will be affected. [0003] In order to solve the problem of the payment scope and payment limit of online payment, the Internet payment gateway can be connected with the payment gateway of a commercial bank to guide...

Claims

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Application Information

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IPC IPC(8): G06Q20/16H04L9/00H04L29/06
Inventor 胡莹钟千伟林岩松
Owner GUANGZHOU UNIONPAY NETWORK PAYMENT
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