SAFETY CLOSED-LOOP PAYMENT SYSTEM AND METHOD
First Claim
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1. A safety closed-loop payment system, characterized in that, comprising:
- a user terminal (100) by means of which a user sends out appointment information;
a business card issuer backstage (101) which accepts the appointment information from the user terminal (100), generates a mapping relationship of the appointment information and returns it to the user terminal (100), wherein the mapping relationship of the appointment information at least contains a correspondence between an appointment code and a bank card;
a payment terminal (102) which obtains payment information input by the user and sends the payment information to a network access authority system (103), wherein the payment information at least contains the appointment code and consumption information; and
the network access authority system (103) which sends the payment information sent from the payment terminal to the bank card issuer backstage (101),wherein the bank card issuer backstage (101) verifies the payment information sent from the network access authority system (103) according to the mapping relationship of the appointment information, and informs the user terminal (100) of completion of transaction in case of successful verification.
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Abstract
The invention relates to a safety closed-loop payment system and method. The safety closed-loop payment system of the invention comprises a user terminal (100), a bank card issuer backstage (101), a payment terminal (102) and a network access authority system (103). The user terminal (100), the bank card issuer backstage (101), the payment terminal (102) and the network access authority system (103) constitutes a closed-loop structure. With the safety closed-loop payment system and method of the invention, safety and flexibility in payment can be improved.
7 Citations
19 Claims
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1. A safety closed-loop payment system, characterized in that, comprising:
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a user terminal (100) by means of which a user sends out appointment information; a business card issuer backstage (101) which accepts the appointment information from the user terminal (100), generates a mapping relationship of the appointment information and returns it to the user terminal (100), wherein the mapping relationship of the appointment information at least contains a correspondence between an appointment code and a bank card; a payment terminal (102) which obtains payment information input by the user and sends the payment information to a network access authority system (103), wherein the payment information at least contains the appointment code and consumption information; and the network access authority system (103) which sends the payment information sent from the payment terminal to the bank card issuer backstage (101), wherein the bank card issuer backstage (101) verifies the payment information sent from the network access authority system (103) according to the mapping relationship of the appointment information, and informs the user terminal (100) of completion of transaction in case of successful verification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A safety closed-loop payment method, characterized in that, comprising:
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an appointment step which accepts an appointment information from a user, generates a mapping relationship of the appointment information and returns it to the user, wherein the mapping relationship of the appointment information at least contains a correspondence of an appointment code to a bank card; a payment step which obtains payment information from the user, wherein the payment information at least contains the appointment code and the consumption information; and a verification step which verifies the payment information according to the appointment information so as to confirm the validity of transaction, wherein in the verification step, the user is informed of the completion of transaction in case of successful verification. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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Specification