CN1389812A

CN1389812A - Online credit card payment and settlement system for comprehensive business data web

Info

Publication number: CN1389812A
Application number: CN 01114759
Authority: CN
Inventors: 陆杨
Original assignee: Individual
Current assignee: Individual
Priority date: 2001-06-01
Filing date: 2001-06-01
Publication date: 2003-01-08

Abstract

The payment accounting system for the credit cards on the Integrated Services Digital Network (ISDN) includes the credit cards, the infroamtion service terminals, the vender accounting platform and the credit card service center. The information service terminals, the vender accounting platform and the credit card service center are networked through ISDN telecommunication network. The UUI field on the ISDN signaling carries out the accounting data of the credit card user and the payment. Without going to the banks, the user can completes the bank businesses such as the payment accounting, querying and transferring accounts of the credit cards and the deposit book on the ISDN.

Description

Online credit card payment and settlement system for comprehensive business data web

The present invention relates to the online payment and settlement statistics of ecommerce, specifically, utilize telecommunications network user credit card network information service terminal, businessman's settlement platform, credit service center (bank electronic settlement system) networking to be realized the method and the system thereof of credit card (bankbook) online payment and settlement exactly.It is applicable to: when the user needs purchase and consumption, be in or all can adopt credit card, pass-book to carry out online payment and settlement in office; And the online payment of expense such as water power, coal gas, property, communication, are assorted, the car and boat air ticket is ordered, the tourist attractions admission ticket is ordered, film ticket is ordered; The online Stored Value operation of IC-card; Banking online enquiries and Password Management etc.

Carry out the application that the online payment business has obtained certain limit on the net at INTERNET.Current, the credit card electronic clearing system of bank has generally been used network safe transaction agreement SET or SSL, and still, the INTERNET net only guarantees by the network safe transaction agreement that in case this agreement is broken, system does not just have safety yet and can say.Particularly use ssl protocol, at present, the website of 40 passwords is a lot of by the example that ' hacker ' and ' virus ' attacks.Trace it to its cause is exactly after ISP and user connect, adopt the mode of login to confirm user's identity and authority, if user cipher is invalid, just can not get continuing the legal identity and the authority of visit (browsing), subscriber equipment still is connected at bottom with ISP, therefore, chance is provided for the attack and the illegal operation of ' hacker '.A lot of problems are arranged, and popularizing problem such as use such as the security of online payment, the ability to bear of service traffics, the speed that continues and large tracts of land all has to be solvedly, causes and carries out online payment and settlement on the net at INTERNET and be restricted.

Recently, the banking development of carrying out on telecommunications network is very fast, and existing in many aspects practical application, as: " telephone bank " utilizes telephone network under the voice of service platform are taught, and the user utilizes the dtmf signal on the telephone set to carry out the banking operation; The POS of businessman machine settlement system utilizes telephone wire that businessman and credit service center are coupled together credit card that the user is used and authority authenticates and payment and settlement; And interbank is rented the cross charging net of telecommunications network special line composition etc.Use the weak point of analog telephone network to be that the speed of continuing is slow, the total line duration of Credit Card Payments is long, thereby confidentiality is bad, is is easily intercepted and captured and monitors.

Purpose of the present invention is intended to overcome above-mentioned the deficiencies in the prior art, a kind of telecommunications network that passes through is proposed, mainly be ISDN(Integrated Service Digital Network) (ISDN), the user need not go out and can finish the bankings such as online payment and settlement, inquiry and account transfer that comprise credit card, really realizes the development of family (enterprise) bank payment settlement business in ecommerce.

The object of the present invention is achieved like this:

Online credit card payment and settlement system for comprehensive business data web comprises credit card and is used for number of the account, password that the user uses are authenticated and the Credit Card Payments data are settled accounts the credit service center of statistics, it is characterized in that also comprising:

(1) credit card network information service terminal is used for sending and receiving credit card user and payment and settlement statistics;

(2) businessman's settlement platform is used to transmit credit card user and payment and settlement statistics between credit card network information service terminal and the credit service center;

(3) by the ISDN telecommunications network with credit card network information service terminal, three points of businessman's settlement platform and credit service center, be that convergence point adopts the networking that links together of Star Network structure with businessman's settlement platform;

(4) calling each other of credit card network information service terminal, businessman's settlement platform and credit service center adopts the telephone number on the ISDN telecommunications network to realize;

(5) between credit card network information service terminal, the businessman's settlement platform, carry credit card user and payment and settlement statistics by the UUI field in the isdn signaling.

Credit card network information service terminal, businessman's settlement platform and credit service the center calling step of telephone number each other comprise:

(1) to the telephone number of credit card network information service terminal input businessman settlement platform;

(2) calling number of credit card network information service terminal is sent automatically by telecommunication network exchange;

(3) credit service central number information writes on the credit card, and businessman's settlement platform is resolved credit card information by the UUI field the isdn signaling of sending from credit card network information service terminal, obtains the credit service central number;

(4) calling number of businessman's settlement platform is sent automatically by telecommunication network exchange;

(5) the calling number callback businessman settlement platform of businessman's settlement platform of sending automatically according to telecommunication network exchange of credit service center;

(6) businessman's settlement platform is then according to the calling number callback credit card network information service terminal of credit card network information service terminal.

The Card Verification data use the UUI field in the ISDN SETUP message to transmit, and as response, RELASE message is carried the result of SETUP message sink to the other side with the UUI field in the RELASE message.

The data structure of online credit card payment and settlement system for comprehensive business data web:

(1) data structure of the credit card user data that send to the businessman settlement platform from credit card network information service terminal comprises service identification, credit card number, password, payment, digital signature, application date of payment;

(2) data structure of the credit card user data transmitted to the credit service center of businessman's settlement platform comprises service identification, credit card number, password, payment, digital signature, application date of payment;

(3) the credit service center verify data structure of responding businessman's settlement platform comprises service identification, credit card number, payment, authentication result, agreement date of payment;

(4) businessman's settlement platform is transmitted the verify data structure of issuing credit card network information service terminal in the credit service center and is comprised service identification, credit card number, payment, authentication result, agreement date of payment.

The verification process of credit card number and password comprises the steps:

(1) credit card is inserted credit card network information service terminal, the telephone number and the payment data of input password, businessman's settlement platform;

(2) credit card network information service terminal is packaged in the described data of step (1) and credit service center code in the UUI field in the SETUP message, simultaneously the service identification among the UUI is changed to the payment sign, and the telephone number of businessman's settlement platform of user input implanted called field, by whole send mode SETUP message is sent to telecommunication network exchange;

(3) telecommunication network exchange is implanted calling number field in the above-mentioned SETUP message with the telephone number of credit card network information service terminal, and is sent to businessman's settlement platform and settles accounts service centre on the net;

(4) after businessman's settlement platform receives this SETUP message, this user credit card bank of deposit code is read, and convert telephone number to, by the packet switching network above-mentioned message is sent to packet data switches, by Packet Data Network credit card payment bank is connected, businessman's settlement platform sends to bank card service centre with data such as user credit card account number, password and settling bank of businessman account numbers;

(5) the credit service center receives and unpacks after businessman's settlement platform is transmitted next credit card user data, according to the service identification requirement, untie the password of user's input with private cipher key, according to credit card number, password, credit card and holder are confirmed, according to bank account balance and payment user's paying ability is confirmed, set up authentication record and reserve golden record according to settling bank of businessman account number, dealing money again;

(6) after credit service center completing steps (5) work, send acknowledge message to businessman's settlement platform;

(7) after businessman's settlement platform receives this acknowledge message, acknowledge message is transmitted to credit card network information service terminal.

Businessman's settlement platform is provided with timer, is used to limit the residence time of credit card user data, and data forwarding finishes or surpasses setting-up time, and system destroys relative recording immediately.

The settlement process of online credit card payment comprises the steps:

(1) after credit card network information service terminal is received and required affirmation message that the user pays, will agree payment message, number signature, agree that the service identification message of payment sends to businessman's settlement platform;

(2) businessman's settlement platform is with the electronic clearing system of above-mentioned forwards to the credit service center, after electronic clearing system is verified digital signature, with user right authentication result notice businessman settlement platform;

(3) according to bank's authentication result and customer order inventory, businessman organizes deliver goods;

(4) every account settlement business that each specialized bank is taken place is added up, gathered to businessman's settlement platform, generates online clearing certificate of entrustment, and enclose the invoice summary table attachment that each payment transaction takes place this bank card, is sent to the bank of deposit of businessman;

(5) after online clearing certificate of entrustment is received by the bank of deposit of businessman, carry out online collection to bank of opposite side, compared according to the authentication record and the reservation gold record of online clearing certificate of entrustment, annex and authentication phase by the collecting bank, the continuation execution in step (6) that the result is correct, incorrect will not the clearing, and notice businessman settlement platform;

(6) paying bank is according to the settlement transfer that the result correctly bears the signature and authenticates compared in the authentication record and the reservation gold record of clearing certificate of entrustment, annex and authentication phase on the net;

(7) after the bank of deposit of businessman finishes clearing, the receipt of settling accounts certificate of entrustment is on the net beamed back businessman's settlement platform, notice businessman collection checkout result.

The data structure that online credit card payment and settlement system for comprehensive business data web is settled accounts certificate of entrustment on the net comprises: clearing total charge, businessman's account number, entrusted collections of payment Routing Number, credit service center code and Settlement Date.

The credit card remaining sum online enquiries flow process of online credit card payment and settlement system for comprehensive business data web comprises the steps:

(1) credit card is inserted credit card network information service terminal, input password, credit service central telephone number;

(2) credit card network information service terminal is packaged in credit card number, password, credit card bank of deposit code data in the UUI field in the SETUP message, simultaneously the service identification among the UUI is changed to the inquiry sign, the credit service central telephone number of user's input is implanted called field, SETUP message is sent to telecommunication network exchange by whole send mode;

(3) telecommunication network exchange is implanted the calling number field of above-mentioned SETUP message with the telephone number of credit card network information service terminal, and is sent to the credit service center;

(4) unpack after receiving this SETUP message in the credit service center, be decrypted and credit card and holder confirmed according to credit card number, password, according to the service identification requirement, send Query Result information then to credit card network information service terminal;

(5) after inquiry was finished, credit card network information service terminal returned original state, and sent the poll-final order to bank, and inquiry is finished at notice credit service center.

The flow process that online credit card payment and settlement system for comprehensive business data web, credit card are revised password on the net comprises the steps:

(1) credit card is inserted credit card network information service terminal, input password, Credit Card Payments settling bank credit service central telephone number;

(2) credit card network information service terminal is with in the UUI fields of data packer in SETUP message such as credit card number, password and credit card bank of deposit code, simultaneously the service identification among the UUI is changed to the Password Management sign, and the credit service central telephone number of user input implanted called field, by whole send mode SETUP message is sent to telecommunication network exchange;

(3) telecommunication network exchange is implanted the calling number field of above-mentioned SETUP message with credit card network information service terminal number, and is sent to the credit service center;

(4) unpack after receiving this SETUP message in the credit service center, be decrypted and credit card and holder confirmed according to credit card number, password, according to the service identification requirement, will send to credit card network information service terminal for the information that Password Management is selected;

(5) credit card network information service terminal is revised password according to the information requirements of Password Management selection, and new, Old Password are sent to bank card service centre;

(6) after bank card service centre receives amended encrypted message, the message of ' password is revised successfully ' is sent to credit card network information service terminal show.

The also available bankbook of online credit card payment and settlement system for comprehensive business data web replaces credit card, and corresponding credit card account, password replace with bankbook number of the account, password, and the work at credit service center changes by the bank electronic settlement system to be finished.

The online stored value systems of ISDN(Integrated Service Digital Network) IC-card comprises that credit card is characterized in that the credit service center that credit card account, password that the user uses authenticate and data are settled accounts with being used for:

(1) IC-card is set, and corresponding recognition interface is set on credit card network information service terminal;

(2) on credit card network information service terminal, send and receive the related data of credit card and IC-card;

(3) connect credit card network information service terminal and businessman's settlement platform by the ISDN telecommunications network;

(4) calling between credit card network information service terminal and the businessman's settlement platform realizes by the telephone number on the ISDN telecommunications network;

(5) utilize the UUI field in the isdn signaling to carry related data, by businessman's settlement platform with the deposit Stored Value on the credit card to IC-card.

The online stored value systems of ISDN(Integrated Service Digital Network) IC-card comprises the steps: the Stored Value process of IC-card

(1) user inserts credit card network information service terminal according to prompting with credit card and IC-card, input credit card password, businessman's settlement platform telephone number and Stored Value amount of money data;

(2) credit card network information service terminal is packaged in the described data of step (1) and credit service center code in the UUI field in the SETUP message, and this SETUP message is carried user credit card account number, password, IC-card authorization number, the Stored Value amount of money, calling number, service identification data message;

(3) businessman's settlement platform is at first checked the IC-card authorization number, determine the authority of IC-card, then, requirement according to service identification, separate from credit card number and to read the credit service central telephone number, call out packet data switched network, the above-mentioned message that the user is sent by the UUI field is forwarded to the credit service center in the lump, simultaneously, businessman's settlement platform sends to the credit service center with data such as self enterprise code, bank of deposit's account number, service identifications together with above-mentioned message;

(4) after step (3) message is received at the credit service center, requirement according to service identification, check through data decryption, authentication and to the credit card balance of deposits, confirm user right and paying ability, and this payment handled as reserving gold, set up the related data archives, then the authentication message result is returned businessman's settlement platform;

(5) businessman's settlement platform is according to the requirement of service identification, sends Stored Value order to IC-card by the SETUP signaling to credit card network information service terminal;

(6) after credit card network information service terminal is received the information of step (5), promptly begin the online Stored Value operation of IC-card, operation is finished and is promptly shown " Stored Value is operated successfully " prompting, the user is when extracting IC-card, and credit card network information service terminal will be paid identification code message and send to businessman's settlement platform;

(7) businessman's settlement platform is forwarded to the credit service center with user's information such as payment identification code, release service centre is compared authentication record and the taking-up of reservation gold record according to the requirement of service identification, confirm correct, just the deposit on the user credit card account is dumped to the designated account of serving businessman, after operation is finished the result is sent to businessman's settlement platform statistics of putting on record.

The online stored value systems of ISDN(Integrated Service Digital Network) IC-card can replace credit card with bankbook, and the work at credit service center changes by the bank electronic settlement system to be finished.

The online stored value systems of ISDN(Integrated Service Digital Network) IC-card comprises the steps: the querying flow of IC-card remaining sum

(1) IC-card is inserted credit card network information service terminal, input businessman settlement platform telephone number comprises the SETUP message of carrying IC-card authorization number, service identification, IC-card Stored Value balance data to the telecommunications network transmission under IC-card inquiry menu;

(2) telecommunications network sends to businessman's settlement platform after above-mentioned SETUP message is implanted credit card network information service terminal number;

(3) businessman's settlement platform receives the authorization number authenticated authority of identification IC-card after the SETUP message, and according to the service identification requirement, the IC-card Stored Value amount of money separated read out, and generation display message, write in the UUI field of the SETUP message that is used for returning the user, finish writing identification code and send to credit card network information service terminal and show.

In the querying flow of the online stored value systems of ISDN(Integrated Service Digital Network) IC-card to the IC-card remaining sum, available bankbook replaces credit card.

Adopt technique scheme, the technical progress that the present invention gives prominence to is:

1, makes full use of the advantage of ISDN telecommunications network, guarantee the security of credit card information in transport process: the relevant information of credit card number and password and online payment is packaged in the relevant signaling of ISDN transmits, guarantee that the data that transmit can not intercepted and not captured or revise.(because signaling data adopts CRC check in transmission, to guaranteeing that intactly transmitting data has played important effect.)

2, adopt the online payment and settlement system of ISDN telecommunications network, its safety assurance ability is higher than the online payment and settlement system that general using INTERNET net is realized: because the INTERNET net, only guarantee that in case this agreement is broken, system does not just have safety yet and can say by the network safe transaction agreement.And the present invention is except continuing to use the existing credit card electronic clearing system of bank and above-mentioned Secure Transaction agreement SET or the SSL, more than one deck use the connection (be equivalent to virtual circuit and connect SVC) of isdn signaling, because adopting the tie-time of this mode also only is the 128MS that signaling transmits, signaling stops, circuit also just disconnects, and data were just finished transmission before the conversation route is set up.After this, bank electronic settlement system and credit card network information service terminal do not have again gets in touch, and ' hacker ' also just lost the condition of attack or illegal operation.Therefore, adopt the ISDN telecommunications network to carry out online payment and settlement, security is greatly enhanced.

3, because the present invention is packaged in the relevant information of credit card number and password and online payment in the relevant signaling of ISDN transmits, before setting up, the conversation route just finishes the transmission of data: be a kind of business that does not produce telephone expenses on the one hand, for the user has saved communication cost; Significantly reduced the possibility of fighting for exchange and transfer resource with talk business on the other hand, the cpu resource that reduces switch as far as possible is this professional expense, can bring into play the potentiality of existing equipment to greatest extent, make and utilize the efficient of telecommunications network payment and settlement to reach high levels.

Say that further the present invention compares with the scheme of using the INTERNET net to carry out online payment, utilizes the online payment and settlement of ISDN telecommunications network to also have following advantage:

(1) ISDN telecommunications network broad covered area gos deep into huge numbers of families, is convenient to popularize.

(2) to bear telephone traffic big for the ISDN telecommunications network, is applicable to frequent calling, but each little again business of data volume that transmits; Therefore it is fit to carrying out of online payment and settlement business very much.

(3) Route Selection is flexible, and it is simple to continue, and the speed that continues is fast, only relies on telephone number just can select different businessmans and bank that service is provided.The particularly forwarding of credit card information, more outstanding.

(4) adopt isdn signaling to carry credit card message and clearing message, have very high security.Be not vulnerable to the attack of ' hacker '.

(5), help the safe and secret requirement that special datas such as password, digital certificate transmit with network information service terminal and point-to-point real-time connection of bank card service centre.

The present invention compares with the scheme of using the analog telecommunications net to carry out online payment, and the ISDN netting gear has following advantage:

(1) speed fast (need not dtmf dialing) that continues comprises that caller and called users number and total time of related credit card message are 0.128s when adopting whole the transmission.

(2) good confidentiality, difficult quilt is intercepted and captured and is monitored.

In sum, the present invention has solved the safety issue of online payment and settlement well by the ISDN telecommunications network, utilize the UUI field in ISDN DSS1 (digital user signalling 1) signaling, before setting up, the conversation route just finishes the transmission of data, safety of data transmission and integrality have been guaranteed, and in the extremely short time (0.128s), finish the authentication and the data transmission of password, digital certificate, guaranteed that communication network can bear the service traffics requirement that online payment and settlement produces.

Below by concrete case study on implementation, and in conjunction with the accompanying drawings, the present invention is further detailed explanation:

Fig. 1 is the topological diagram that utilizes the ISDN telecommunications network that credit card network information service terminal, businessman's settlement platform, credit service centring system ' company ' are connect:

Fig. 2 is the signal flow graph between credit card network information service terminal, businessman's settlement platform, the credit service center.

Embodiment: in conjunction with Fig. 1 and Fig. 2, online credit card payment and settlement system for comprehensive business data web is mainly by credit card (or bankbook), credit card network information service terminal (IBOX), businessman's settlement platform (UNIPLATFORM-B) and credit service center (or bank electronic settlement system) are formed, and credit card network information service terminal has been 00262952.6 at inventor's number of patent application, denomination of invention be " the Short Message Service terminal that is used for ISDN(Integrated Service Digital Network) " (hereinafter to be referred as: utility application information service terminal) has been made detailed description (being omitted).

The design of telecommunication transport networks structure of the present invention and Access Layer comprises:

1) the connection networking plan of user-businessman's settlement platform-interbank;

2) user adopts Circuit Switching Network to be connected with businessman, and adopts isdn signaling to carry credit card (bankbook) message and payment and settlement message;

3) adopt and settlement platform that design has credit card (bankbook) message and payment and settlement forwards function;

4) go up the online recharging method that designs IC-card at information service terminal (IBOX);

5) go up the methods such as online payment and settlement, inquiry and Password Management that design banking at information service terminal (IBOX).

The present invention's employing is ' star ' network structure of tandem node with the businessman and adopts isdn signaling to carry authentication web payment and settlement message.

With the businessman is ' star ' network structure of tandem node: the present invention is to use the ISDN telecommunications network that the settlement platform of user profile service terminal, businessman and the electronic clearing system of bank are coupled together.Its network structure characteristics are: with businessman's settlement platform is tandem node, and the relevant bank of deposit is arrived in the online payment and settlement terminal tandem of consumption user.Be actually user's payment terminal--businessman--bank, ' company ' is a line, goes up transparent in real time transmission such as realizing banking business data, verify data, settlement data at this ' line '.

In Fig. 1, PSTN is the ISDN telecommunications network, be that the user is connected the Circuit Switching Network that uses with businessman, and CHINAPAC is a packet data switched network, is used to connect businessman and bank or bank settlement center (as: Unionpay is logical).Adopting a kind of like this structure mainly is to consider from the following aspects:

(1) the ISDN telecommunications network interface that is connected to every household now mainly is a bri interface, this interface terminal of can answering the call also can connect data terminal (DTE), access way is mainly had Internet access by dialing, therefore, for the user carries banking to the unified signaling of using of businessman's this section route, provide condition as payment and settlement message.In other words, no matter be that the Short Message Terminal (as: information service terminal IBOX) or the data terminal of packet data switched network of Circuit Switching Network can use the UUI field in the isdn signaling to carry data-message.Use UUI to carry data-message, this message directly can be sent to businessman's settlement platform, transmission efficiency is high.If use packet data switched network, under the situation of not using the UUI function, the user just must have Internet access by dialing, at first, to insert Packet Based Network (as: user dials 162 earlier and advances Packet Based Network) by circuit switching exchange, after ' shaking hands ' success, dial the route of ecommerce settlement platform number gating businessman of businessman again.Credit card information can transmit on this circuit.Obviously, the program of doing like this is more complex.Carrying out the bank payment settlement business on user terminal (information service terminal), for each user, is that the quiescent interval is than the few business of the living number of times of long hair.Therefore, it is comparatively reasonable to use the UUI fields function to transmit payment and settlement message.

(2) consider from economic angle, the UUI field is the telecommunication resources that is not fully utilized as yet at present, if utilize this part resource to carry out the bank payment settlement business, formulate corresponding expenses standard in conjunction with telecom operators, it is useful doing user and telecom operation commercial city like this.

(3) businessman and interbank adopt the CHINAPAC networking, the POS of businessman machine settlement system and online credit card payment and settlement system can be united.The online credit card payment settlement data may also can be the information service terminal from the user, because their upper strata settlement process is consistent from the POS machine terminal of businessman.Businessman is connected with bank, use be a unified net.

(4) set up the credit card payment platform in businessman, this platform also has the function that credit card information, verify data, the settlement data of user's online payment are transmitted except that clearing manage to the POS of businessman machine terminal; This platform can be transferred to the message of UUI field on the data channel of Packet Based Network, so that send to bank card service centre.Simultaneously, with data channel go to bank the credit service center authentication or clearing message, be transferred on the UUI field, re-send on the user profile service terminal.And in the middle of transmitting, the related data of businessman is also sent to bank, so that clearing.According to the requirement of rule of confidentiality, businessman's settlement platform can not be opened the relevant data of credit card user, therefore, when design businessman settlement platform, just consider to be provided with timing range, do not reach timing range in case user's online payment has the running time, system will destroy user credit card data voluntarily.

Businessman's settlement platform is divided into two parts with communication network: the user is connected with businessman, is called user's operation layer; Being connected between businessman and the bank, be called the bank settlement layer.When the user carries out online payment, at first, connect the circuit of serving businessman's (settlement platform), promptly client layer continues.Then, connect the circuit at credit service center more automatically, i.e. bank settlement layer exchange by the settlement platform of businessman.Though circuit is realized two-layer exchange, the user need only do once to the call operation of businessman's settlement platform, and all the other are finished automatically by system, therefore, can not make troubles to the user.Certainly, the bank settlement layer also can adopt PRI to connect, and this mainly is the structure that depends on the existing bank settlement network system in each city.

The user adopts ISDN bri interface (basic rate interface) to be connected with telecommunications network.Businessman is because towards users, and portfolio is big, adopts ISDN PRI interface (primary rate interface).If local all banks are provided with the unified clearing of credit card mechanisms (as: Unionpay is logical), businessman can use special line (DDN, FR) to be connected with this mechanism, with the raising efficient that continues.If local bank does not establish unified clearing mechanism, businessman also can adopt the mode of having Internet access by dialing (X.25, PRI), just businessman can be connected with any banking system by telephone number like this, gives full play to the function of exchange of telecommunications network diversification.

Adopt isdn signaling to carry online payment message:

PRI interface in the scheme or bri interface adopt ISDN Digital Subscriber Signaling No.1 (ISDN digital user signalling 1) without exception.Advise according to ITU-T (International Telecommunications Union (ITU)) is relevant: the relevant signaling of DSS1 can be carried the function of a spot of user profile in the UUI field.This programme is selected in the Digital Subscriber Signaling No.1: SETUP message; RELASE message; ALATING message; CONNECT message.Utilize the UUI field in the above-mentioned message, transmit the relevant information of banking authentication web payment and settlement.The UUI field transmits that the method for user's short message and Short Message Service system are 00137743.4 at inventor's number of patent application about utilizing, made detailed description in the application for a patent for invention of denomination of invention for " utilizing ISDN D channel to transmit the method and the Short Message Service system of message ", at this, do not give unnecessary details for this reason.Just use the Credit Card Payments clearing to be example below, specifically set forth the data structure that it transmits message:

1. user profile service terminal IBOX comprising to the settlement platform UNIPLATFORM-B of businessman transmission online credit card payment message related to calls (up):

Businessman's settlement platform telephone number, information service terminal number (telecommunication network exchange transmission), service identification, credit card number, password (adopt account number and password are whole to be sent), credit card bank of deposit classification (as: China Merchants Bank, Construction Bank etc.), credit service central telephone number, payment, digital signature, application date of payment etc., confirm to comprise in the payment message the user: digital signature.

2. businessman's settlement platform online credit card payment message related to calls (up) of being sent to (forwarding) bank card service centre comprising:

Credit service center (electronic clearing system) telephone number, businessman's settlement platform telephone number (telecommunication network exchange transmission), service identification, user credit card account number, password (adopting whole the forwarding), payment, digital signature (transmitting the user when confirming payment message), application date of payment etc.

3. credit service center (electronic clearing system) receive the response (descending) of being sent to businessman's settlement platform comprising:

Businessman's settlement platform telephone number, credit service central telephone number (telecommunication network exchange transmission), service identification, credit card number, payment, authentication result, agreement date of payment etc.

4. receive the response (descending) that be sent to (forwarding) information service terminal of businessman's settlement platform comprising: information service terminal number, businessman's settlement platform telephone number (telecommunication network exchange transmission), service identification, credit card number, payment, authentication result, agreement date of payment etc.

In the Credit Card Payments clearing message that above-mentioned project 1, project 4 send: information service terminal telephone number, businessman's settlement platform telephone number, credit service central telephone number are occupied fixing field in signaling, remaining message all is packaged in the user-user message field (UUI).A service identification is all arranged in every group of message, and its effect is the indication receiving end, what will be done after harvesting message, and actual is command field.

Project 2, project 3 are to transmit on the Packet Based Network data channel, though do not require by the signaling format transmission,, preferably contrast above-mentioned form for ease of unified management.

In sum, businessman's settlement platform serves as the role of ' tandem ' on the net among the figure in the payment and settlement process, and the credit card information on the information service terminal ' forwarding ' is arrived the credit service center.The rule of payment payment for goods in the transaction as this constructor unification.Because from the net result of payment, be the bank account (seller) that the payment for goods on the user credit card account (buyer) is forwarded to businessman.Bank is the execution side that carries out the account transfer operation.Bank carries out the account transfer operation must can carry out settlement operations after the abundant data that obtain both sides.If, adopt the mesh network structure, bank is established to the direct route of user and businessman respectively, obtain user credit card and businessman's data separately from two routes respectively, then, again the data of two aspects are compared, be confirmed to be to belong to and carry out operations such as authentication and account transfer with a parties, this will be a very complicated process, and be accompanied by many unreliable factors.If banking system can only obtain to buy, sell both sides when time required total data of settlement bargain from the settlement platform of businessman, that has just saved above-mentioned comparison process, has improved the efficient of payment and settlement and its reliability greatly.But, must solve the function of businessman's settlement platform in this course well by telecommunications network interface ' forwarding ' information.Patent of the present invention is exactly to utilize the signaling capability of ISDN telecommunications network dexterously, makes businessman's settlement platform produce forwarded call to banking system when the online payment that receives the user is called out.Conversely, businessman's settlement platform is transmitted to the user profile service terminal with the execution result of banking system loopback again.

This programme makes the existing credit card electronic clearing system of bank be connected in user family or the office by telecommunications network ' directly ', the user be in or in office by information service terminal IBOX can realize making a credit inquiry card (bankbook) remaining sum, output bill, revise functions such as password, online payment, account transfer, deposit.

Message 1, message 4 among Fig. 2 in message 1, message 4 correspondences " the employing isdn signaling the carries online payment and settlement message " joint; After every SETUP message sent, the other side's node was loopback RELASE message, with the reception condition of receiveing the response, and the RELASE message of not drawing among the figure.

This programme has been continued to use the function and the credit card use habit of the existing credit card electronic clearing system of bank, has protected the existing investment of user, businessman and bank, and popularizing of new system used becomes possibility.

Adopt the networking of ' star-like ' network structure between user profile service terminal of the present invention, businessman's settlement platform, credit service center (bank), with businessman's settlement platform is ' tandem ' node, it is divided into network two-layer, wherein, user's operation layer (user-businessman) is selected called service businessman by the user according to businessman settlement platform telephone number; Bank settlement layer (businessman-bank) is selected called bank by businessman's settlement platform according to the credit service central number, in the network of figure one, every user to certain businessman's purchase and consumption, if use online payment, no matter use the credit card of which bank, must dial the telephone number of this businessman's settlement platform, then, be transferred to bank card service centre by this businessman's settlement platform.

When credit card user uses inquiry or cryptography management function, can directly import bank card service centre telephone number, direct calling bank of deposit credit card electronic clearing system.At this moment, information service terminal is equivalent to the user terminal in the credit card electronic clearing system.

Each internodal calling realizes by the telephone number on the ISDN telecommunications network: when credit card user carries out online payment and settlement, directly to information service terminal IBOX input businessman settlement platform telephone number, can finish all and continue.Remaining number is then sent automatically by following mode: information service terminal number (calling number) is sent by telecommunication network exchange; Credit service center (electronic clearing system) number information writes on the credit card, and businessman's settlement platform is resolved credit card information, obtains the credit service central number; The calling number of businessman's settlement platform is sent by telecommunication network exchange; Bank is according to settlement platform calling number callback businessman of businessman settlement platform; Businessman's settlement platform is then according to user's calling number callback user profile service terminal.

The information of credit card number and password (holder's identity) authentication phase transmits, comprise that the uplink and downlink both direction all uses ISDN SETUP message to carry, the other side will be with RELASE message as response, and RELASE message is carried the result of SETUP message sink success or not.

Data such as credit card number, password, credit service center code, payment, merchant code, bank of deposit of businessman code and authentication result adopt the UUI field in the isdn signaling to transmit between user profile service terminal-businessman's settlement platform; Adopt data channel to transmit between businessman's settlement platform-bank card service centre, be convenient management, with the The data consolidation form that the UUI field transmits, the uniform data structure is as follows:

(1) data structure of the Card Verification data that send to the businessman settlement platform from credit card network information service terminal comprises service identification, credit card number, password, payment, digital signature, application date of payment;

(2) data structure of the Card Verification data transmitted to the credit service center of businessman's settlement platform comprises service identification, credit card number, password, payment, digital signature, application date of payment;

(3) the credit service center data structure of responding businessman's settlement platform comprises service identification, credit card number, payment, authentication result, agreement date of payment;

(4) businessman's settlement platform is transmitted the response data structure of issuing credit card network information service terminal in the credit service center and is comprised service identification, credit card number, payment, authentication result, agreement date of payment.

The design of online payment and settlement flow process: the connection between user-businessman-bank can be used communication network identical or inequality, and adopts different access waies, may influence the details that some foundation continue, but basic payment and settlement flow process can not become.

Following payment and settlement flow process designs at following applied environment:

1) the credit card payment message between user and the businessman is to adopt isdn signaling to transmit;

2) businessman is not connected with credit card payment bank by the bank settlement platform, but directly selects the credit service center by the mode of having Internet access by dialing.

If businessman and credit card electronic clearing system are used private line access, will there be the foundation of the route that continues, therefore, payment program is also set up process with regard to the circuit that has lacked businessman and interbank.Credit card information and settlement data are directly sent and receive to the electronic clearing system at credit service center by businessman's settlement platform.

This programme is drafted: the credit service center still utilizes the credit card electronic clearing system of bank, carries out authentication to credit card number and password, to business such as the inquiry of user's paying ability and clearing.Utilize telecommunications network that bank's online payment and settlement information service terminal is extended in subscriber household or the office, realize the function of bank of family (enterprise).For this reason, this programme has been done a large amount of work in the access of telecommunications network and transmission, thereby has guaranteed the security and the real-time of online payment.

A. the online payment user inserts information service terminal with credit card, data such as the telephone number of input password, transaction merchant (settlement platform), payment;

B. information service terminal is with in the UUI fields of data packer in SETUP message such as credit card number, password (by publicly-owned secret key encryption), credit card bank of deposit code, payment, simultaneously the service identification among the UUI is changed to the payment sign, at last, the transaction merchant settlement platform telephone number of user's input is implanted called field, SETUP message is sent to telecommunication network exchange by whole send mode;

C. telecommunication network exchange is implanted the calling number field of above-mentioned SETUP message with the telephone number of information service terminal, and is sent to the transaction merchant settlement platform;

D. the transaction merchant settlement platform after receiving this SETUP message is read the credit service center code, and convert telephone number to, then, call out the packet switching network, the number at credit service center is sent to packet data switches, by Packet Data Network the credit service center is connected, businessman's settlement platform sends to credit service center electron settlement system by the data channel set up with user's credit card number, password and settling bank of businessman code;

E. be security consideration, user credit card message (mainly being: credit card number and password) can not be resident long-time excessively (although settlement platform does not have key on businessman's settlement platform, the password of not opening), therefore, settlement center of businessman is provided with a timer of 20 seconds, as the restriction of the residence time of credit card message, settlement center starts 20 seconds timers after sending the SETUP message of d item.When receiving that carrying of bank receive appropriate receipt message, destroy relative recording immediately.Can not receive the above-mentioned Messages-Waiting time above 20 seconds, also with the auto-destruct relative recording;

F. after credit service center electron settlement system receives this user credit card message, unpack, according to the service identification requirement, to untie the password of user's input with private cipher key, according to credit card number, password, credit card and holder are confirmed, user's paying ability is confirmed, set up authentication record and reserve golden record according to settling bank of businessman code, payment again according to bank account balance and payment;

G. credit service center electron settlement system will send an acknowledge message to businessman's settlement platform after finishing the work of f item;

H. after the transaction merchant settlement platform received this acknowledge message, soon acknowledge message was forwarded to and informs the user on the information service terminal.

The settlement process of online credit card payment comprises the steps:

A. in above-mentioned h item, when businessman's settlement platform is transmitted acknowledge message, carry the message that requires the user to pay in UUI, information service terminal will be notified the user after receiving this message on LCD: the prompting of ' please pay payment for goods ' and Payment Amount;

B. the user sees after this message and will agree payment message, number signature (publicly-owned secret key encryption is on card), to agree that the message such as service identification of payment send to businessman's settlement platform by ' affirmation ' key;

C. to credit service center electron settlement system, settlement system is verified result notification businessman with user's signature after digital signature is verified to businessman's settlement platform with above-mentioned forwards;

D. according to bank's authentication result and customer order inventory, businessman organizes deliver goods;

E. every account settlement business that each specialized bank is taken place is added up, gathered to businessman's settlement platform at any time, regularly or aperiodically generate " settling accounts certificate of entrustment on the net ", should ' settling accounts certificate of entrustment on the net ' comprise: clearing total charge, merchant code, entrusted collections of payment Routing Number, Credit Card Payments settling bank code, Settlement Date etc., and enclose the invoice summary table that each payment transaction takes place this row credit card, be sent to the bank of deposit of businessman;

F. clearing are based on beneficiary bank, after " settling accounts certificate of entrustment on the net " received by the bank of deposit of businessman, just carry out online collection to bank of opposite side, compared according to the authentication record and the reservation gold record of " settling accounts certificate of entrustment on the net " annex and authentication phase by the collecting bank, the program of the back proceeded that the result is correct, incorrect will not the clearing, and notice businessman is handled in ' receipt ';

G. paying bank is according to the authentication record of " settling accounts certificate of entrustment on the net " annex and authentication phase with reserve the gold record and compare, but the correct inquiring user signature authentication record of result, bear the signature authenticate just can settlement transfer;

H. after the bank of deposit of businessman finished clearing, the receipt that will " settle accounts certificate of entrustment on the net " was beamed back businessman's settlement platform, and the clearing of notice businessman are finished;

I. the bank of deposit of businessman will be with the form Periodic Notice businessman of statement of account account transfer summarized results (businessman also can initiatively by the online enquiries checkout result).

Requirement according to bank, when paying on the net, the user uses ' digital signature ', user's ' digital signature ' handled this user and will be arrived bank when professional and handle, finish in case handle, banking system or service centre will be on this basis, and its effect is identical with the seal (or signature) that the user uses, and ' digital signature ' that this case is used is exactly ' digital signature ' that the user handles in bank, therefore, its authentication authority is still in bank.Businessman must borrow the Verification System of bank card service centre that ' digital signature ' authenticated in the above-mentioned C item.

Above-mentioned online payment situation is with when businessman's purchase and consumption, and the user adopts a transaction example of online payment.Expenses such as this process of exchange is equally applicable to water power, coal gas, property, communication, assorted, the car and boat air ticket is ordered, the tourist attractions admission ticket is ordered, film ticket is ordered adopt the situation of online payment, and payment flow is the same, does not give unnecessary details.

The online Stored Value operation flow of IC-card:

Adopt online credit card payment and settlement system for comprehensive business data web of the present invention, the user utilizes information service terminal IBOX can realize the online Stored Value of IC-card is operated.The service provider that the user is in or can selects to use IC-card to settle accounts in office, as: the IC-card of public transport company (monthly ticket) sale department, with the deposit on credit card or the pass-book IC-card is carried out online Stored Value operation by telecommunications network, handle the Stored Value business and need not come to IC-card Stored Value point personally, below to use credit card that the Stored Value flow process of online IC-card is described as example:

A. the user inserts information service terminal with credit card, IC-card (or credit card, the integrated card of IC-card), select IC-card Stored Value menu, press the prompting on the information service terminal, input credit card password, service provider (as: public transport company) settlement platform telephone number, buy information such as (Stored Value) amount of money, then, by ' affirmation ' key;

B. information service terminal sends a SETUP message by the ISDN telecommunications network to service provider (as public transport company) settlement platform, and this SETUP carries information such as user credit card account number, password, IC-card authorization number, the Stored Value amount of money, user profile service terminal number, service identification.

C. service provider's settlement platform is at first checked the IC-card authorization number, determine the authority of IC-card, then, requirement according to service identification, separate from credit card number and to read credit service center electron settlement system telephone number, call out packet data switched network (as: 162), after Packet Data Network is replied, utilize credit service center electron settlement system telephone number, apply for that a data circuit of leading to the credit service center is (if adopt special circuit, to save this operation), the message such as credit card that the user is sent by the UUI field are forwarded to the credit service center in the lump, in addition, service provider is with self enterprise code, bank of deposit's code, data such as service identification also send to the credit service center together with above-mentioned message;

D. after C item message is received at the credit service center, requirement according to service identification, utilize key with data decryptions such as credit card passwords, then, credit card and holder's identity is authenticated, the user credit card balance of deposits is checked, confirm user's paying ability, and this payment handled as reserving gold, then, set up the related data archives, after all working is finished, authentication message is returned service provider (as public transport company) settlement platform by above-mentioned data circuit;

E. service provider (public transport company) settlement platform sends IC-card Stored Value order by the SETUP signaling to credit card network information service terminal IBOX according to the requirement of service identification;

F. after credit card network information service terminal is received the information of step e, promptly begin the online Stored Value operation of IC-card, operation is finished and is promptly shown " Stored Value is operated successfully " prompting, the user is when extracting IC-card, and credit card network information service terminal will be paid identification code message and send to service provider (public transport company) settlement platform;

G. service provider (public transport company) settlement platform is forwarded to the credit service center with user's information such as payment identification code, release service centre is compared authentication record and the taking-up of reservation gold record according to the requirement of service identification, confirm correct, just the deposit on the user credit card account is dumped in the designated account of service provider (public transport company), after operation is finished the result is sent to service provider (public transport company) the settlement platform statistics of putting on record.

Online inquiry into balance of credit card and Password Management flow process: credit card inquiry into balance and cryptography management function can be realized on bank card service centre electronic clearing system.Because, now bank's inquiry business is based on that circuit switching finishes on the net, therefore, the credit card inquiry business information on the information service terminal uses the UUI field to carry, and the network information service terminal provides the query function of user to credit card business and the management function of credit card password.

Credit card online enquiries flow process comprises the steps:

A. the user on the network inserts information service terminal IBOX with credit card, and input password, credit service central telephone number, selection ' inquiry ' menu are by ' affirmation ' key;

B. information service terminal is with in the UUI fields of data packer in SETUP message such as credit card number, password (by publicly-owned secret key encryption), credit card bank of deposit code, simultaneously the service identification among the UUI is changed to the inquiry sign, and the credit service central telephone number of user input implanted called field, by whole send mode SETUP message is sent to telecommunication network exchange;

C. telecommunication network exchange is implanted the calling number field in the above-mentioned SETUP message with the telephone number of information service terminal, and is sent to the credit service center;

D. after the credit service center receives this SETUP message, unpack, according to the service identification requirement, to untie the password of user's input with private cipher key, according to credit card number, password, credit card and holder are confirmed, be defined as querying command according to service identification after, will send to information service terminal for the second-level menu that inquiry is selected;

E. after information service terminal receives above-mentioned second-level menu, provide ' querying the balance ', ' detailed bill '; Function selecting such as ' returning ' is an example to select ' detailed bill ', and information service terminal sends to bank card service centre with ' output detailed bill ' order;

F. bank card service centre is according to the order of ' output detailed bill ', last 20 business list that take place of this user sent on the user profile service terminal show;

G. after user inquiring is finished, select ' returning ' item, information service terminal will return original state.And to bank's transmission poll-final order, inquiry is finished at notifying bank credit service center;

H. after in a single day bank card service centre electronic clearing system accepts inquiry, will start a timer, the user does not have a running time and exceeds timing range, and the bank electronic settlement system will be closed query State.

Online payment terminal (information service terminal) provides the user to the credit card cryptography management function, it is characterized in that, the flow process that credit card is revised password on the net is as follows:

A. the user on the network inserts information service terminal with credit card, and input password, credit service central telephone number, selection ' Password Management ' menu are by ' acknowledgement key ';

B. information service terminal is with in the UUI fields of data packer in SETUP message such as credit card number, password (by publicly-owned secret key encryption), credit card bank of deposit code, simultaneously the service identification among the UUI is changed to the Password Management sign, at last, the credit service central telephone number of user's input is implanted called field, SETUP message is sent to telecommunication network exchange by whole send mode;

C. telecommunication network exchange is implanted the calling number field of above-mentioned SETUP message with the telephone number of information service terminal, and is sent to the credit service center;

D. after the credit service center receives this SETUP message, unpack, according to the service identification requirement, to untie the password of user's input with private cipher key, according to credit card number, password, credit card and holder are confirmed, be defined as " Password Management " order according to service identification after, will send on the information service terminal for the second-level menu of Password Management selection;

E. information service terminal shows after receiving above-mentioned second-level menu: ' please import original code: ', printed words such as ' please import new password: ', ' returning ', after the user fills password, press acknowledgement key, information service terminal will show again: the prompting of ' please import new password: ', the user imports new password on request again one time, press acknowledgement key, information service terminal is with the new password confirmation in addition of twice input, after encrypting by publicly-owned key, will be new, Old Password information sends to bank card service centre;

F. bank card service centre receives newly, after the Old Password information, just this user's password is made amendment, and after finishing the message of ' password is revised successfully ' is sent to show on the user profile service terminal;

G. the prompting user cipher was revised successfully after information service terminal was received this message.

Packet Data Network directly and bank card service centre data-interface is arranged, therefore, it also is feasible utilizing Packet Data Network to carry out that the inquiry of online credit card and password revise, bank in the shopping centre, public places such as community, businessman install public credit card online enquiries and Password Management terminal and can carry out online credit card and transfer accounts and the online Stored Value business of IC-card.This terminal is because portfolio bigger employing integrated data network interface or access via telephone line are comparatively reasonable.Say that technically this connection is suitable for the access of user profile service terminal equally, but the utilization rate that family, the online enquiries of business standing card and password are revised is very low, the user there is no need because the needs that credit card online enquiries and password are revised remove to install a packet circuit, the installation fee of this circuit still more, Monthly Fee is higher.Therefore, family, enterprise customer adopt the comparatively economical rationality of isdn signaling transmission mode.

The online inquiry into balance of IC-card:

IC-card is a kind of clearing form that a certain service businessman provides, so the effective remaining sum on the IC-card must be served businessman by this and approve, utilizes information service terminal can realize the inquiry of the online Stored Value remaining sum of IC-card.The online inquiry into balance of IC-card must go to carry out on this serves the settlement platform of businessman, and the online enquiries flow process of IC-card remaining sum is as follows:

A. IC-card is inserted user profile service terminal IBOX, the user selects IC-card inquiry menu, then, businessman's settlement platform telephone number is served in input, press acknowledgement key, information service terminal will send to telecommunications network and carry: the SETUP message of data such as IC-card authorization number, service identification, the IC-card Stored Value amount of money.

B. telecommunications network adds above-mentioned SETUP message to send to behind the information service terminal number and serves businessman's settlement platform.

C. serve the businessman settlement platform and receive the authorization number of identification IC-card after the SETUP message, the authenticated authority, and according to the service identification requirement, the IC-card Stored Value amount of money separated read out, and generation display message, write in the UUI field of the SETUP message that is used for returning the user, finish writing identification code and send to the user profile service terminal and show.

D. information service terminal is presented at the Stored Value balance data that the C item returns on the LCD.

Cash in banks (bankbook business) online enquiries and ta vservice: utilize information service terminal can carry out business such as bank's (bankbook business) deposit online enquiries, account transfer, identical (difference is: the account number on the bankbook requires user's input by hand voluntarily, and the account number on the credit card is to generate automatically by ' swiping the card ' process) settled accounts, inquired about to its basic procedure with using Credit Card Payments.

Bank's (bankbook business) deposit online enquiries flow process is as follows:

A. the user selects ' cash in banks inquiry ' menu on information service terminal IBOX; Input password, bank electronic settlement system telephone number are by ' affirmation ' key.

B. information service terminal is with in the UUI fields of data packer in SETUP message such as bankbook account number, password, bank of deposit's code, simultaneously the service identification among the UUI is changed to the inquiry sign, and the bank electronic settlement system telephone number of user input implanted called field, by whole send mode SETUP message is sent to telecommunication network exchange.

C. telecommunication network exchange is implanted the calling number field in the above-mentioned SETUP message with the telephone number of user profile service terminal, and is sent to the bank electronic settlement system.

D. the bank electronic settlement system is unpacked after receiving this SETUP message, according to the account number of opening an account, password, bankbook and inquirer are confirmed, be defined as querying command according to service identification after, will send on the information service terminal for the second-level menu that inquiry is selected and show.

E. after the user profile service terminal receives above-mentioned second-level menu, provide ' querying the balance ', ' detailed bill '; Function selecting such as ' returning ' is an example to select ' detailed bill ', and information service terminal sends to the bank electronic settlement system with ' output detailed bill ' order.

F. after the bank electronic settlement system received the order of ' output detailed bill ', just 20 statements of account that this user is taken place in the recent period sent on the information service terminal and show.

G. information service terminal will show above-mentioned inventory, if the user need export former data, by ' ↑ ' key, the order of inventory sent to the bank electronic settlement system before information service terminal will require to export, and the bank electronic settlement system is at following this inventory of bar message loopback.If customer requirements is printed listed inventory, get final product by ' printing ' key.If the user selects other in the e item, then the bank electronic settlement system is returned relevant information on request, and is similar to this operation, do not give unnecessary details.

H. after user inquiring is finished, select ' returning ' item, by ' affirmation ' key, information service terminal will return original state.And to bank's transmission poll-final order, notifying bank's electronic clearing system finishes inquiry.

I. after in a single day the bank electronic settlement system accepts inquiry, will start a timer, the user does not have a running time and exceeds timing range, and the bank electronic settlement system will be closed query State.

The online account transfers of cash in banks (bankbook business) etc. are professional similar to operation flow such as telephone bank account transfer, the key distinction is that telephone bank is when carrying out business operation, be that the user utilizes dtmf signal that banking business data is sent to the bank electronic settlement system under voice suggestion, and this patent is that data interface is offered user's operation, and directly uses the telecommunications network data channel to transmit relevant information.

Claims

1, online credit card payment and settlement system for comprehensive business data web comprises credit card and is used for number of the account, password that the user uses are authenticated and the Credit Card Payments data are settled accounts the credit service center of statistics, it is characterized in that also comprising:

2, according to the described online credit card payment and settlement system for comprehensive business data web of claim 1, it is characterized in that: credit card network information service terminal, businessman's settlement platform and credit service the center calling step of telephone number each other comprise:

3, according to the described online credit card payment and settlement system for comprehensive business data web of claim 1, its feature also is: the Card Verification data use the UUI field in the ISDN SETUP message to transmit, as response, RELASE message is carried the result of SETUP message sink to the other side with the UUI field in the RELASE message.

4, according to the described online credit card payment and settlement system for comprehensive business data web of claim 3, it is characterized in that:

5, according to the described online credit card payment and settlement system for comprehensive business data web of claim 3, it is characterized in that: the verification process of credit card number and password comprises the steps:

6, according to the described online credit card payment and settlement system for comprehensive business data web of claim 1, its feature also is: businessman's settlement platform is provided with timer, be used to limit the residence time of credit card user data, data forwarding finishes or surpasses setting-up time, and system can destroy relative recording immediately.

7, according to the described online credit card payment and settlement system for comprehensive business data web of claim 3, its feature is that also the settlement process of online credit card payment comprises the steps:

8, according to the described online credit card payment and settlement system for comprehensive business data web of claim 7, it is characterized in that the data structure of settling accounts certificate of entrustment on the net comprises: clearing total charge, businessman's account number, entrusted collections of payment Routing Number, credit service center code and Settlement Date.

9, according to the described online credit card payment and settlement system for comprehensive business data web of claim 1, its feature is that also the online enquiries flow process of credit card remaining sum comprises the steps:

10, according to the described online credit card payment and settlement system for comprehensive business data web of claim 1, its feature also is: the flow process that credit card is revised password on the net comprises the steps:

11, according to claim 1,7,9 or 10 described online credit card payment and settlement system for comprehensive business data web, its feature also is: bankbook replaces credit card, corresponding credit card account, password replace with bankbook number of the account, password, and the work at credit service center changes by the bank electronic settlement system to be finished.

12, the online stored value systems of ISDN(Integrated Service Digital Network) IC-card comprises that credit card is characterized in that the credit service center that credit card account, password that the user uses authenticate and data are settled accounts with being used for:

13,, it is characterized in that the Stored Value process of IC-card is comprised the steps: according to the online stored value systems of the described ISDN(Integrated Service Digital Network) IC-card of claim 12

14, according to claim 12 or the online stored value systems of 13 described ISDN(Integrated Service Digital Network) IC-cards, it is characterized in that: replace credit card with bankbook, the work at credit service center changes by the bank electronic settlement system to be finished.

15, according to the online stored value systems of the described ISDN(Integrated Service Digital Network) IC-card of claim 12, it is characterized in that the querying flow of IC-card remaining sum is comprised the steps:

16, according to the online stored value systems of the described ISDN(Integrated Service Digital Network) IC-card of claim 15, its feature also is: replace credit card with bankbook.