A system and method for independent payment of Internet transactions

Abstract

The invention provides an independent payment system and an independent payment method for internet transactions, and belongs to the technical field of internet transaction payment, especially a system and a method for enabling the independent payment for internet transactions. Based on the system and the method, the internet transaction security and the internet transaction convenience are greatly improved. The independent payment system for internet transactions comprises a customer payment part, a transaction fund supervision part, a fund settlement part and an internet merchant part. The customer payment part comprises a transaction fund supervision signing part, an internet procurement independent payment part, and a receiving confirmation and payment / objection submission / goods returning part. The payment terminal of the customer payment part comprises a payment processing module and a payment communication module. The payment processing module is used for inputting payment elements, displaying payment results, confirming the reception of goods, paying the goods, and displaying the objection submission / goods returning condition and result elements.

Description

technical field [0001] The invention belongs to the technical field of Internet transaction payment, and in particular relates to a system and method for independent payment of Internet transactions. Background technique [0002] With the development of network technology, people have increasingly enjoyed the ease, convenience and benefits of online shopping and consumption. Currently, the payment methods for online purchases mainly include online banking payment (including mobile banking payment), third-party payment (such as Alipay, Fortune Link, WeChat payment, QR code payment, etc.) and other methods. However, because online banking needs to fully guarantee the security of the bank server and the security and effectiveness of customer identity and password verification, the bank has to set up many security measures for security reasons (such as login user, password verification, dynamic password or UKEY verification, SMS verification code verification) etc.), resulting ...

AI Technical Summary

Problems solved by technology

However, because online banking needs to fully guarantee the security of the bank server and the security and effectiveness of customer identity and password verification, the bank has to set up many security measures for security reasons (such as login user, password verification, dynamic password or UKEY verification, SMS verification code verification) etc.), resulting in high requirements for transaction links and user operations, and many transactions cannot be successfully completed due to problems in the payment link

Since the third-party payment uses all virtual accounts, complex registration, login, and verification processes are required during the transaction process, and the transaction funds are completed through the third party to complete the payment, delivery (or service provision), settlement and collection of the buyer and the seller. The errors and disputes that occurred during this period cannot guarantee timely and effective communication and handling, causing a lot of inconvenience to buyers and sellers

[0003] At the same time, whether it is online banking payment or third-party payment, it is based on the client terminal of the Internet. The current client terminals are mainly Internet computers, smart phones and other tablet devices, which have many hidden risks in themselves, such as equipment or The software is abnormal and the payment program cannot be linked normally, resulting in payment failure and unable to complete the transaction; the device software is hacked or attacked by viruses, and the payment information (account number, password, etc.) is stolen, resulting in the theft of funds in the customer account and huge losses.

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