| 摘要 |
Disclosed are an online transaction method, device and system, the method comprising the steps of: an item server sends a bank credit certificate issuing request to a seller bank server according to order information; the seller bank server generates a bank credit certificate having a to-be-effective status, and sends the bank credit certificate to a buyer bank server; the buyer bank server verifies buyer payment checking information obtained by a client, and after verification has been passed, freezes funds in a buyer account which correspond to an order amount, updates the status of the bank credit certificate to an effective status, and sends the bank credit certificate to the seller bank server; the seller bank server sends a has-been-received notification to the item server; the item server sends the order information to a transaction intermediary server; the transaction intermediary server dispatches according to arrangements, and sends a has-been-received notification to the buyer bank server; the buyer bank server transfers the frozen funds in the buyer account into a seller account of the seller bank server. The present invention reduces the risk to the funds, and increases the security of the transaction information. |
