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    • 1. 发明申请
    • ONLINE PAYMENT SYSTEM AND METHOD
    • 在线支付系统和方法
    • WO2008095157A1
    • 2008-08-07
    • PCT/US2008/052765
    • 2008-02-01
    • ALIBABA GROUP HOLDING LIMITEDYANG, Zheng
    • YANG, Zheng
    • G06Q40/00
    • G06Q40/02G06Q20/102G06Q20/40G06Q20/401
    • 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.
    • 在线支付系统使用电子支票系统代表在线客户向商家付款。 电子支票系统接收到客户的支票申请请求,创建电子支票号码和支票密码,将支票信息输出给客户,并将支票信息存储在电子支票系统中。 当商家系统接收到客户的在线支付请求时,它将请求发送到电子支票系统,该电子支票系统然后从支付请求中解析出支付电子支票号码和支付支票密码,用存储的支票来验证解析的信息 信息,并向商家付款。 电子检查系统由多个商家集中和共享。 付款仅需要访问电子支票系统,而不需要参与个别商家的多个收据获取系统。