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On-line payment system and payment procedure

An online payment and subsystem technology, applied in the network field, can solve problems such as long payment processing time and potential safety hazards, and achieve the effects of fast speed, reduced development costs, and simple processes

Inactive Publication Date: 2008-08-06
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] The purpose of the present invention is to provide an online payment system and online payment method to solve the technical problems in the prior art that the payment processing time is long and there are large security risks

Method used

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  • On-line payment system and payment procedure
  • On-line payment system and payment procedure
  • On-line payment system and payment procedure

Examples

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Embodiment Construction

[0045] The present invention will be described in detail below in conjunction with the accompanying drawings.

[0046] see image 3 , which is a schematic diagram of the principle structure of the online payment system of the present invention. It comprises a merchant subsystem 31 and an electronic check subsystem 32 comprising a check server 33 and several terminals 34 .

[0047] The terminal 34 and the check server 33 are connected through a dedicated line or through an intranet. A corresponding check processing software is usually installed on the terminal 34 . In terms of functions, the terminal 34 mainly includes a receiving application unit 341 , a sending unit 342 and a generating unit 343 .

[0048] The application receiving unit 341 is used for receiving check applications from users. For example, the user fills in a corresponding recharge form, the recharge form includes user information and recharge amount, the user information includes user identity information...

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Abstract

The present invention discloses an online payment system comprising a merchant subsystem and an electronic cheque subsystem. The electronic cheque subsystem comprises a cheque server and a plurality of terminals. The method is that: (1) the terminal receives a cheque application request of a user to generate a number and a password of the electronic cheque firstly, and outputs the cheque number and the cheque password to the user, then returns the cheque information comprising the electronic cheque number and the cheque password and the user information inputted by the user to the cheque server to preserve; (2) the merchant subsystem receives the online payment request by which user uses the electronic cheque to process online transaction, and sends the request to the cheque server; (3) the cheque server analyzes the electronic cheque number and the cheque password from the request, and carries out withholding process after verifying the electronic cheque number and the electronic cheque password, and then returns the processing results to the merchant subsystem. The online payment system only needs to access the electronic cheque subsystem in each payment process; the flow is simple and quick. The merchant do not need to connect with the order receiving subsystem of each bank, and only need to ensure that the merchant is communicated with the electronic cheque subsystem.

Description

technical field [0001] The invention relates to the network field, in particular to an online payment system based on an electronic payment platform and a corresponding online payment method. Background technique [0002] see figure 1 , which is a schematic structural diagram of an existing online payment system. It includes a merchant subsystem 11 and an acquiring subsystem 12 . The merchant negotiates with a number of banks and becomes a contracted merchant of the bank. Each bank transaction platform signed with it is installed on the merchant subsystem 11 of the merchant. The user goes to the business branch of the bank that signed the contract with the merchant to manually sign the contract in advance, and then conducts the payment transaction with the acquiring subsystem 12 of the bank through the merchant, and then the merchant performs account reconciliation and other processing with the bank. This payment transaction has the following problems: [0003] First of...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00
CPCG06Q20/401G06Q20/102G06Q20/40G06Q40/02
Inventor 杨政
Owner ALIBABA GRP HLDG LTD
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