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Payment method, system and payment platform capable of improving payment safety by virtual card

A payment platform and payment security technology, applied in the payment field, can solve problems such as ineffective protection of account numbers, and achieve the effects of reducing financial loss time, fast processing speed, and reducing losses

Inactive Publication Date: 2009-04-22
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0013] In view of the above defects, the idea of ​​this application is to provide a payment method that uses a virtual card to improve payment security, so as to solve the problem in the prior art that the bank card number and password can not be effectively protected when directly entering the bank card number and password on the webpage for online payment or handling other businesses. defect
[0014] Another idea of ​​this application is to provide a payment system that uses virtual cards to improve payment security, so as to solve the problem in the prior art that the bank card number and password can not be effectively protected when directly entering the bank card number and password on the webpage for online payment or handling other businesses. defect

Method used

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  • Payment method, system and payment platform capable of improving payment safety by virtual card
  • Payment method, system and payment platform capable of improving payment safety by virtual card
  • Payment method, system and payment platform capable of improving payment safety by virtual card

Examples

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no. 1 example

[0058] This application proposes a payment system that uses virtual cards to improve payment security, please refer to figure 1 , which is a structural diagram of a payment system using a virtual card to improve payment security in this application. The payment system includes a user 110, a third-party payment platform 120, at least one bank card issuing bank 130 and a merchant 140, wherein the third-party payment platform 120 is connected to at least one bank card issuing bank 130 through a dedicated line or network, and the merchant 140 is also It is also connected to the issuing bank 130 through a dedicated line or network, and the user 110 can be connected to the third-party payment platform 120 and the merchant 140 respectively.

[0059] This third-party payment platform 120 further includes a payment platform server 121 and a payment platform database 122 (see figure 2 ), wherein the payment platform server 121 at least includes:

[0060] User interface processing uni...

no. 2 example

[0099] This application proposes another payment system that uses virtual cards to improve payment security, please refer to Figure 5 , which is a structural diagram of another online payment system of the present application. The online payment system includes a user 510, at least one bank card issuing bank 520 and a merchant 530, wherein the card issuing bank 520 and the merchant 530 are connected by a dedicated line or a network , and the user 510 can be connected to the issuing bank 520 and the merchant 530 respectively.

[0100] The card issuer 520 further includes a card issuer database 521 and a card issuer server 522, wherein the card issuer database 521 further includes a card correspondence table 5211 for binding the generated virtual card number and the real bank card number, for storing bank cards including The bank card attribute storage unit 5212 of various attributes including user name, card number and password and the bank card transaction record storage unit...

no. 3 example

[0123] This application further proposes a payment platform that can receive a user's request for a virtual card, and apply for a virtual card from the corresponding bank for the user. Its structure is the same as that of the third-party payment platform in the first embodiment (i.e. figure 2 shown). This third-party payment platform 120 further includes a payment platform server 121 and a payment platform database 122 (see figure 2 ), wherein the payment platform server 121 at least includes:

[0124] User interface processing unit 1211: it is used to receive various requests including virtual card application / modification requests sent by the user 110, and return the processing results of this platform to the user 110;

[0125] Card issuing bank interface processing unit 1213: used to establish interaction with each card issuing bank 130 contracted with the third-party payment platform 120, send to the card issuing bank 130 various requests including virtual card applicat...

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PUM

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Abstract

The invention provides a method of payment utilizing a virtual card to enhance payment safety and a system thereof, wherein, the method of payment includes the following steps : a third-party payment platform is provided; after receiving the application request of virtual card of a user, the third-party payment platform obtains the information of bank card of the user and sends the request of virtual card application to a corresponding issuing bank; the third-party payment platform returns the information of virtual card number sent by the issuing bank to the user; and when the issuing bank receives the request of payment including the information of virtual card number and payment amount, payment is successfully done, provided that the virtual card meets the service regulations of the virtual card and monetary amount on the corresponding bank card is no less than the payment amount. As the payment of the invention is carried out by the virtual card number, information security of the card can be enhanced when the bank card number and password are directly input.

Description

technical field [0001] The present application relates to a payment method and system, in particular to a payment method and system for improving payment security by utilizing a virtual card. Background technique [0002] With the rapid development and popularization of the Internet, B2C e-commerce has also developed rapidly. However, its development is also restricted by the bottleneck of payment methods. Compared with the actual payment methods, the current popular online payment methods are usually There are the following three types: (1) direct payment through the bank's online banking system; (2) payment through a third-party payment company; (3) payment by directly entering the card number and password on the webpage of the e-commerce platform. In terms of current technology, the first two methods are relatively safe, and more and more e-commerce platforms are beginning to support the payment methods of third-party payment companies, but there are still many e-commerce...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G06Q30/00G06Q20/02G06Q40/02
Inventor 倪行军赵旭
Owner ALIBABA GRP HLDG LTD
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