Online safety payment system and online safety payment method

A security payment and subsystem technology, applied in the field of online security payment and online security payment system, can solve the problems of low data packet security factor, payment transaction failure, data packet loss, etc., to improve utilization, improve processing speed, abnormal less effect

Inactive Publication Date: 2007-01-24
CHINA UNIONPAY
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  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

[0012] The online safe payment system and online safe payment method of the present invention solve the technical problems of resource waste and long payment time caused by dividing online payment into two processes in the prior art, and the transmission of data packets through the Internet has a low safety factor, It is prone to the consequences of the loss of transmitted data packets or the delay of data packets, which will lead to the technical problems of the failure of the entire payment transaction

Method used

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  • Online safety payment system and online safety payment method
  • Online safety payment system and online safety payment method
  • Online safety payment system and online safety payment method

Examples

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Embodiment Construction

[0041] The present invention will be described in detail below in conjunction with the accompanying drawings.

[0042] see Figure 4 , which is a schematic structural diagram of an online security payment system provided by the present invention. It includes an acquiring subsystem 23, an inter-bank switching center 24, a card issuing subsystem 26, a merchant website 22, a cardholder terminal 21, a routing unit 25 and a security authentication authorization unit 27, wherein:

[0043] The routing unit 25 stores the corresponding relationship between the card number BIN code and the card issuer, and stores the corresponding relationship between the card issuer using the direct authentication authorization mode and the routing information of the security authentication authorization unit 27, so as to determine the card issuer according to the card number. If the card issuer Adopt direct authentication and authorization mode, find the route information of corresponding security auth...

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Abstract

The present invention provides a safe network payment system and method. The method includes the following steps: 1. for the cardholder terminal to submit the order form to the business website; 2 for the business website to send trade request to the bill collecting subsystem; 3. for the bill collecting subsystem to build interaction with the cardholder terminal and to obtain the card number information; 4. for the bill collecting subsystem to send the card number information and the trade information to the route unit; 5. for the route unit to send the information to the security certification authority unit in card issuing mechanism; 6. for the security certification authority unit to certificate; 7. for the card issuing subsystem to cut payment after passing through certification; 8. for the card issuing subsystem to send the result to the bill collecting subsystem via the exchanger center; and 9. for the bill collecting subsystem to inform the business unit. The present invention has high safety, short time consumption and high trade success rate.

Description

technical field [0001] The invention relates to the field of data processing, in particular to an online security payment system and an online security payment method in an online transaction process. Background technique [0002] With the development of network technology, especially the popularization of the Internet, the network has become an indispensable part of many people's life and work. People can use the Internet not only to browse news, publish news, listen to music, but also to conduct online shopping. Based on the continuous growth of e-commerce, the security of online payment is not only a problem that both parties need to pay attention to, but also a problem that the financial system pays special attention to. [0003] see figure 1 , which is a schematic structural diagram of a common online security payment system in the prior art. It includes a cardholder terminal 11 , a merchant website 12 , and an acquiring subsystem 13 . Wherein, the cardholder termin...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q40/00G06Q20/42
Inventor 郭锐康建明潘钢杨家雏吕旭峰
Owner CHINA UNIONPAY
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