| 摘要 |
PURPOSE: An electronic payment system is provided to enable a user to use a card as a general credit card when purchasing commodities or receiving pay service in a credit card member store, and also to use the card as a prepaid card when purchasing commodities or receiving pay service at an electronic commerce site over the internet. CONSTITUTION: The method comprises steps of a member inputting a credit card number when making a purchase order at an internet shopping mall cooperated with a payment gateway(a), the internet shopping mall requesting an approval on the credit card to the payment gateway(b), the payment gateway requesting an approval on the credit card to a card company(c), the card company checking a balance remaining in an account corresponding to the credit card, deducting the purchase amount from the balance, and transmitting an approval result to the payment gateway(d), the payment gateway informing the member and the internet shopping mall of transaction specifications(e,f), the internet shopping mall delivering the commodities or offering the pay service to the member(g), the shopping mall requesting a corresponding payment to the payment gateway(h), the payment gateway transmitting the transaction data to the card company(i) and the card company transferring money to the internet shopping mall(j).
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