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Internet-based payment channel integrating method

A payment channel and Internet technology, applied in the direction of payment system structure, equipment, data processing applications, etc., can solve the problems of cumbersome and costly requirements, achieve good implementation effects, and solve the effect of information and data security problems

Inactive Publication Date: 2012-08-22
TONGCHENG NETWORK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

Note: Compared with eWAY, the price of Paymate is relatively low, but it requires more fees and is more cumbersome

Method used

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Embodiment Construction

[0037] Such as figure 1 The Internet-based payment channel integration method shown differs in that the following steps are taken:

[0038] First of all, the customer accesses the Internet, browses products online through a browser, selects goods, fills in an online order, and selects a payment and settlement method. Then, the client encrypts relevant order information such as payment information, and submits the order online. Of course, considering the different payment habits of customers, you can also go to the specific website to make payment by obtaining the payment link. Specifically, it is to use the operation interface to pay or use the service interface to pay, that is, if figure 1 shown.

[0039] Afterwards, the merchant's server checks and confirms the customer's order information, and forwards the relevant encrypted customer payment information to the payment gateway until it is confirmed by the bank's background business server on the bank's dedicated network. ...

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Abstract

The invention relates to an Internet-based payment channel integrating method which is characterized by comprising the following steps: firstly, a customer accesses an Internet for selecting goods, and selects a payment settlement mode; secondly, the customer encrypts relevant order information and submits an order; thirdly, a merchant sever checks and confirms purchasing information of the customer and ensures that electronic money issuers such as a bank check the purchasing information to obtain authentication of payment fund; fourthly, after the bank checks and confirms the purchasing information, confirming and payment settlement information is transmitted back to the merchant server through an encrypting communication channel; fifthly, settlement is carried out by means of a financial private network, and payment settlement success information is sent; and finally, the merchant server sends network payment success information and delivery release to the customer. Therefore, all modes of global payment can be completed on the provided payment platform. From different aspects and different links, data security of a user using a payment channel is strictly protected, and the problem of information data security of the user is solved.

Description

technical field [0001] The invention relates to a payment method, in particular to an Internet-based payment channel integration method. Background technique [0002] With the rapid development of e-commerce, especially network transactions, online network payment reflects its indispensable status. [0003] The three links in the e-commerce operation model and business process - information flow, capital flow and logistics are the key to promote the development of e-commerce. As an intermediate link, online network payment is the most concerned issue for both parties in the e-commerce process. If this link cannot be solved, then the real realization of e-commerce will become empty talk, and there will be no basic conditions for the smooth development of e-commerce. It can only be the electronic transmission of information and the paperless contract, and it is impossible to fully realize online transactions. The advantage of fast and convenient business is greatly reduced. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/12
Inventor 吴志祥
Owner TONGCHENG NETWORK TECH
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