Online Payment System and Method
First Claim
1. An online payment system, comprising:
- an application receiving module adapted to receive an electronic check application from a customer;
a check generating module adapted to generate a check information packet based on the electronic check application;
an information conveying module for sending the check information packet to the customer;
a storage for storing the check information packet; and
a check processing module adapted to receive an online payment request containing rendering check information, verify the rendering check information against the stored check information packet, and make a payment to a merchant system according to the online payment request.
1 Assignment
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Accused Products
Abstract
An online payment system uses an electronic check system to make a payment to a merchant on behalf of an online customer. The electronic check system receives a check application request of the customer, creates an electronic check number and a password for the check, outputs the check information to the customer, and stores the check information in the electronic check system. When a merchant system receives an online payment request of the customer, it sends the request to the electronic check system, which then parses out a payment electronic check number and a payment check password from the payment request, verifies the parsed information with the stored check the information, and makes a payment to the merchant. The electronic check system is centralized and shared by multiple merchants. A payment only needs access to the electronic check system, without requiring participation of multiple receipt-acquiring systems of individual merchants.
27 Citations
32 Claims
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1. An online payment system, comprising:
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an application receiving module adapted to receive an electronic check application from a customer; a check generating module adapted to generate a check information packet based on the electronic check application; an information conveying module for sending the check information packet to the customer; a storage for storing the check information packet; and a check processing module adapted to receive an online payment request containing rendering check information, verify the rendering check information against the stored check information packet, and make a payment to a merchant system according to the online payment request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. An online payment system, comprising:
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a merchant system; and an electronic check system connected to the merchant system, the electronic check systems including an application receiving module, a check generating module, an information conveying module, an interface module, a storage, and a check processing module, wherein the application receiving module is used to receive a check application of a customer, the check generating module is used to generate an electronic check having check information and to output the check information to the customer and the check server, the information conveying module is used to send the check information to the check processing module, the interface module is used to receive an online payment request through the merchant system and return a response result to the merchant system, the storage is used to save the check information generated by the check generating module, and the check processing module is used to process the online payment request by verifying the electronic check number and the check password parsed from the online payment request and making a payment using the verified electronic check. - View Dependent Claims (19, 20, 21, 22)
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23. An online payment method, comprising:
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receiving at an electronic check system a check application request of a customer; generating an electronic check based on the check application request, the electronic check having a check information packet including a check number and a password; sending the check information packet to the customer; storing the check information packet in a storage; receiving an online payment request; parsing out a payment check number and a payment password; verifying the payment check number and the payment password against the stored check information packet; and making a payment using the electronic check. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31, 32)
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Specification