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On-line payment method and system

A technology of online payment and payment request, applied in the direction of payment system, payment system structure, instrument, etc., can solve hidden dangers and other problems

Inactive Publication Date: 2014-04-16
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the current third-party payment and similar online payment models launched by other banking alliances are all based on virtual account numbers, which require registration, login and other processes before payment, and most of their security is still based on various existing network security technologies To ensure that there are still hidden dangers

Method used

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  • On-line payment method and system

Examples

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Embodiment Construction

[0024] The present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be noted that the various structures in the drawings are only schematic illustrations, to enable those skilled in the art to best understand the principle of the present invention, and they are not necessarily drawn to scale.

[0025] The following will combine figure 1 and figure 2 To describe the online payment method and system provided by the present invention. figure 1 Schematically shows the scene of applying the online payment system according to an embodiment of the present invention, and figure 2 A flow chart of an online payment method according to an embodiment of the present invention is schematically shown.

[0026] Such as figure 1 As shown, the online payment system according to an embodiment of the present invention may include two parts: an email payment processing center 101 and a first email server 102...

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Abstract

The invention provides an on-line payment method. The on-line payment method comprises the steps of receiving an electronic bill payment request message containing trade information from a service provider system; generating an electronic bill payment notice e-mail on the basis of the trade information; transmitting the electronic bill payment notice e-mail to a payment service e-mail address of a user through a first e-mail server; detecting a payment confirmation reply e-mail of the payment service e-mail address to the electronic bill payment notice e-mail on the first e-mail server; accomplishing the background payment process according to the payment confirmation reply e-mail, wherein the payment service e-mail address is associated with payment account information of the user in advance. The invention further provides an on-line payment system used for executing the on-line payment method.

Description

technical field [0001] The present invention generally relates to the field of electronic payment, and in particular relates to an online payment method and system. Background technique [0002] With the development of network technology, people have increasingly enjoyed the ease and convenience of online consumption, and a high-quality network consumption environment requires safe and convenient online payment channels as a guarantee. Generally speaking, online payment means that banks provide online fund settlement services for sellers and buyers when they conduct transactions through the Internet. Such an online consumption payment and settlement method enables users to consume easily without leaving home, including online shopping, bill payment and so on. [0003] Traditional online payment methods mainly include online banking, third-party payment and other methods. The online banking system is an extension of banking services. It uses the Internet to carry out tradit...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/16G06Q20/12
CPCG06Q20/085G06Q20/102G06Q20/38G06Q20/401
Inventor 尹亚伟鲁志军
Owner CHINA UNIONPAY
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