The electronic payment method using a secure electronic funds transfer and thereof apparatus

摘要

The present invention relates to an electronic payment method and system using the method and that the MAC or hash function, the SSL-based electronic fund transfer using on the device on the payment that can be used in e-commerce.; Electronic money transfer method according to the present invention is to obtain and register the basic information necessary for the transaction to the bank, paying obtain transaction information from a computer, you can, and check for any abnormalities of the previous transaction information from Buddhists computer, pay at the bank machine characterized in, and transfer funds to the account of the number of Buddhists in the account of the payment is determined whether or not to approve, at this time able to determine whether a successful money transfer shall pay by transferring to a computer party payment it generates a receipt value there is. In particular, to prevent that the process is exposed, and the data of the unnecessary information by encrypting the various types of information has been operated by using the MAC or hash functions in, further characterized lifting on a fixed lower the system cost of building such additional amount of operations and the data storage amount than the conventional protocol there is.