| 摘要 |
A bank card secured payment system and method using real-time communication technology includes a bank card account and cellular phone, merchant's transaction terminal, payment network, account security server, wherein the account security server is equipped with real-time server end software for real-time communication technology. The cellular phone uses real-time communication application to connect to the account security server and links to the bank card. When the payment network receives transaction request relating to the bank card account from a merchant's transaction terminal the payment network performs a security verification process using real-time communication technology via the account security server and the user's cellular phone that is linked to the user's bank card account, which serves to authenticate the security verification of the user's identity, in which case the transaction request will proceed, otherwise the transaction request would be properly declined. |
| 主权项 |
1. A bank card secured payment system, the characterization of which comprises users' bank card accounts and cellular phones (2), merchants' transaction terminal (3), payment network (4), account security server (5), wherein the account security server (5) and payment network (4) are connected through telecommunication network, the account security server (5) is equipped with a server end software for real-time communication technology, users' cellular phones (2) are equipped with real-time communication application, with which the cellular phone (2) uses to connect with the account security server (5), the transaction terminal (3) connects to the payment network (4), the account security server (5) records the user bank card account information, each user's bank card account is respectively linked to the user's cellular phone (2), and when the payment network (4) receives transaction request relating to the user's bank card account from a merchant's transaction terminal (3), the payment network (4) authenticates a security verification of the user's identity through the real-time link between the account security server (5) and the cellular phone (2), and the payment network (4) would only proceed with the remaining procedures to complete the transaction request after the security verification has succeeded, otherwise the transaction request would be properly declined. |
