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Card data business system used for payment on net and its method

An online payment and transaction system technology, applied in the field of online payment card data transaction system, can solve the problems of user fund loss, hidden safety hazards, restrictions on online business development, etc., and achieve the effect of great confidentiality

Inactive Publication Date: 2005-05-25
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This payment method has great security risks. The credit card number and password transmitted online may be maliciously obtained and stolen by a third party, resulting in the loss of users' funds, which greatly limits the development of online business.

Method used

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  • Card data business system used for payment on net and its method
  • Card data business system used for payment on net and its method
  • Card data business system used for payment on net and its method

Examples

Experimental program
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Effect test

Embodiment Construction

[0029] This embodiment illustrates the application of virtual cards in online banking, such as Figure 1-5 shown.

[0030] figure 1 device equivalent to Figure 4 The virtual card subsystem in 3. in:

[0031] 7. The virtual card verification device is used to verify the legitimacy of the virtual card;

[0032] 8. A virtual card transaction processing device, used to complete the business processing requested by the user;

[0033] 9. The interface with the banking system, used to connect the banking system and complete the transaction;

[0034] 10. The data form records the constituent elements of the virtual card and the designated bank account number, and the virtual cardholder information is consistent with the owner information of the bank account number.

[0035] The virtual card verification device 7 is connected to the virtual card transaction processing device 8 , and the virtual card transaction processing device 8 is connected to the banking system interface 9 a...

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PUM

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Abstract

The present invention relates to the field of data transmission technology. In the concrete, it is a card data transaction system for payment on net and its method. Said system includes data table, virtual card verification device, virtual card transaction, processing device and interface of bank service system. Said invention also provides the steps for implementing said method.

Description

technical field [0001] The invention relates to the technical field of online data communication, in particular to a card data transaction system and method for online payment. Background technique [0002] With the rapid development of the Internet and e-commerce, more and more enterprises or individuals have begun to conduct business on the Internet, which greatly facilitates the public, who can enjoy various services and information without leaving home. Usually, the cardholder needs to input the bank card number and password when receiving services or information online by using the bank card for online payment. This payment method has great security risks. The credit card number and password transmitted online may be maliciously acquired by a third party and stolen, resulting in the loss of users' funds, which largely limits the development of online business. [0003] The virtual card of the present invention is used in B2C online shopping as a payment card. Content...

Claims

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Application Information

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IPC IPC(8): G07F19/00
Inventor 苏文力王刚王嵩李秀媛殷明王怡
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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