Online payment system and payment method

摘要

online payment system and payment method using a card reader is provided. The present invention is an earphone jack is connected via a card reader of the user terminal to the user terminal to receive input the identity of the credit card; To provide shopping information to the user terminal generates a payment information receiving order information from the user terminal, via the card reader receives a credit card identification information input to the user terminal, the approval request to the server through a wireless communication network PG, After receiving the payment approval information from the PG server for transmitting the order has been placed on the user terminal displays the shopping mall server; The credit card receiving the identification information and billing information, the card validation request by sending it to the card company server, and to generate a shopping card payment authorization information corresponding to the identification information on the basis of the credit card validation information received from the card company server PG server for transmitting to the server and the credit card company server; Transmitted from the PG server identification information and billing information, credit card validation information that is generated by verifying the validity of the credit card identification number pre-stored in the transfer database, the credit card company receives the PG server, and transmits the card information from the payment authorization server PG wherein the payment card company credit card company server to receive updates to the database; including, because they use the card directly to the real credit card information is not stored in the internal user terminal, input via the earphone jack, the user terminal only if payment is required It provides an on-line payment system and payment method in the risk of hacking can not be executed because of the use of the secure credit card billing information. ;