Payment System and Method Using an IC Identification Card
First Claim
1. A payment system for trading using an IC identification card, the system comprising:
- an accepting device having an IC identification card reader to receive an encrypted user identity information from an IC identification card, the accepting device being adapted for further receiving a user bank account information; and
an intermediary platform adapted forreceiving the encrypted user identity information and the user bank account information sent from the accepting device,decrypting a first encrypted information including at least the encrypted user identity information,communicating a bank transaction information including the decrypted user identity information and the user bank account information to a participating bank subsystem to request a bank transaction,receiving a bank transaction result from the participating bank subsystem, andcommunicating the bank transaction result to the accepting device.
1 Assignment
0 Petitions
Accused Products
Abstract
A payment system utilizes an IC identification card to identify a user, finds and verifies a bank account of the user. The system uses an IC identification card reader to read user identity information, and sends it along with user bank account information to an intermediary platform to be processed. The intermediary platform sends the received user identity information along with the other bank transaction information as part of a bank transaction request to a participating bank subsystem to be processed. The participating bank subsystem conducts the requested bank transaction with a user bank account determined according to the user identification either by the intermediary platform or by the participating bank subsystem based on a mapping relationship between the user identity and bank accounts. The decryption of the user identification information is done either by the IC identification card reader or at the intermediary platform.
68 Citations
42 Claims
-
1. A payment system for trading using an IC identification card, the system comprising:
-
an accepting device having an IC identification card reader to receive an encrypted user identity information from an IC identification card, the accepting device being adapted for further receiving a user bank account information; and an intermediary platform adapted for receiving the encrypted user identity information and the user bank account information sent from the accepting device, decrypting a first encrypted information including at least the encrypted user identity information, communicating a bank transaction information including the decrypted user identity information and the user bank account information to a participating bank subsystem to request a bank transaction, receiving a bank transaction result from the participating bank subsystem, and communicating the bank transaction result to the accepting device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
-
-
23. A payment system for trading using an IC identification card, the system comprising:
-
an accepting device having an identification card reader and a first processor, the accepting device being adapted to; receive through the identification card reader an encrypted user identification information from an IC identification card, receive a user bank account information including a bank account password, and send the encrypted user identification information and the user bank account password using the first processor; and an intermediary platform having an encryption device and a second processor, wherein the encryption device is used for decrypting at least the encrypted user identification information sent from the accepting device, and the second processor is used for determining a bank account number corresponding to the user identification information, the intermediary platform being further adapted to; communicate a bank transaction information including the bank account number and the user bank account password to a participating bank subsystem to request a bank transaction, receive a bank transaction result from the participating bank subsystem, and communicate the bank transaction result to the accepting device. - View Dependent Claims (24)
-
-
25. A payment method for trading using an IC identification card, the method comprises:
-
receiving an encrypted user identity information of a user through an identification card reader, the encrypted user identification information including a user identification card number; receiving a bank account information including a bank account password entered by the user; receiving a transaction amount entered by a merchant; sending the encrypted user identity information, the bank account information and the transaction amount to an intermediary platform; decrypting at least the encrypted user identity information received by the intermediary platform; sending from the intermediary platform a bank transaction information including the user identity information, the bank account password and the transaction amount to a participating bank subsystem to request a bank transaction; and if the bank transaction information contains a bank account number, verifying the bank account password, processing at the participating bank subsystem the requested bank transaction, and returning a bank transaction result to the intermediary platform, whereas if the bank transaction information does not contain a bank account number, finding at the participating bank subsystem the bank account number corresponding to the user identity information, verifying the bank account password, processing the requested bank transaction, and returning a bank transaction result to the intermediary platform. - View Dependent Claims (26, 27, 28, 29)
-
-
30. A payment system for trading using an IC identification card, the system comprising:
-
an accepting device having an IC identification card reader to receive and decrypt an encrypted user identity information from an IC identification card, the accepting device being adapted for further receiving a user bank account information; and an intermediary platform adapted for receiving the decrypted user identity information and the user bank account information sent from the accepting device, communicating a bank transaction information including the user identity information and the user bank account information to a participating bank subsystem to request a bank transaction, receiving a bank transaction result from the participating bank subsystem, and communicating the bank transaction result to the accepting device. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40)
-
-
41. A payment method for trading using an IC identification card, the method comprises:
-
receiving an encrypted user identity information of a user through an identification card reader, the encrypted user identification information including a user identification card number; decrypting the encrypted user identity information received by the identification card reader; receiving a bank account information including a bank account password entered by the user; receiving a transaction amount entered by a merchant; sending the decrypted user identity information, the bank account information and the transaction amount to an intermediary platform; sending from the intermediary platform a bank transaction information including the user identity information, the bank account password and the transaction amount to a participating bank subsystem to request a bank transaction; and if the bank transaction information contains a bank account number, verifying the bank account password, processing at the participating bank subsystem the requested bank transaction, and returning a bank transaction result to the intermediary platform, whereas if the bank transaction information does not contain a bank account number, finding at the participating bank subsystem the bank account number corresponding to the user identity information, verifying the bank account password, processing the requested bank transaction, and returning a bank transaction result to the intermediary platform. - View Dependent Claims (42)
-
Specification