Member name and bank card binding electronic business system and method

Abstract

This invention relates to a method and system of e-commerce through the consumer registering the businesses number name. A system and method to achievement e-commerce transactions In a public network through Member Name, including,at least terminal devices for consumer, commercial tenants pay device, the card issuing bank payment gateway devices, payment platform devices and the third party logistics unit. Its property is through bundling with the establishment of the card issuing bank payment gateway Member name and their bank cards card number, when consumers apply for e-commerce transactions to the business community, need not submit personal information of bank cards will be able to activate the e-commerce transactions logic, the logic coverage of the state of e-commerce transactions, through unbundling transactions steps to improve the authenticity of transactions, reliability, safety; passage of this invention, consumers can break through the traditional limitations of electronic commerce terminal devices, more convenient, flexible in e-commerce, without worrying about their bank cards leaked confidential information, while businesses can be more convenient and credible conduct of e-commerce; card-issuing banks can develop electronic commerce based on depay without changing existing business processes.

Description

1. Technical field [0001] The present invention relates to a computer system, and more particularly to a method, system and computer program product that allow consumers to conduct e-commerce by using a member name registered at a merchant to bind their bank card. This is accomplished by integrating the existing SSL protocol standard with the augmented 5-party network protocol. 2. Background technology [0002] Using bank cards (magnetic cards) to carry out "online shopping" through the Internet, telephone network and television network (hereinafter referred to as "network") is an important business activity today. This article is referred to as "merchants") to purchase, completely determined by the consumer's own interests. When consumers come to the merchant's website, the typical situation is to browse one or more web pages to select the goods or services to be purchased. The merchant must first consume The trader registers as its member and has a member name and passwor...

AI Technical Summary

Problems solved by technology

Due to the insecurity of the WINDOWS operating system itself and the openness of the network, there are already many technical means that can intercept consumers' bank card information; it is also unacceptable for merchants and bank card organizations to obtain consumer bank card information; Insecure, has seriously affected the development of e-commerce

[0020] The second method improves on the first method and improves security, but it also increases the complexity of use; currently several experimental projects have been discontinued due to very few users.

[0022] The fourth method generally has a small amount, low acceptance by consumers, limited scope of application, and the risk of merchants closing down or fleeing with money maliciously.

[0023] The fifth method is generally used in fields related to telecommunication services, such as purchasing multimedia messages, ring tones, and small games, etc. It is difficult to expand to other fields due to disorderly behaviors in the billing of telecommunication operators.

[0024] The sixth way is to use a third party as a trust platform between the buyer and the seller. Since both buyers and sellers fill in personal information on the Internet, it is difficult to guarantee its complete authenticity. Secondly, it has no direct relationship with the bank card account and cannot Realize many functions of bank cards, such as adjusting the amount, giving consumer credit, etc.

[0025] Summarizing the above six methods, we can summarize the six methods according to whether the bank card account is used for payment, and divide these six methods into two categories: one is direct payment with a bank card account, and the other is payment with a third-party account. Bank card account payment can realize the combination of a series of transactions, so as to complete more complicated e-commerce business, such as authorization, return, authorization adjustment, authorization completion, etc., but the bank card information must be transmitted through the network, and the real beneficiary offline If there is no connection, its security is difficult to solve; paying with a third-party account generally only has one type of consumer transaction, which cannot complete more complicated businesses, and the transaction amount is also very limited, and it is also not related to the real beneficiary offline.

Images