Payment System and Method Using an IC Identification Card

A payment system for trading using an IC identification card, the system comprising:

• an accepting device having an identification card reader and a first processor,
• the accepting device being adapted to:
• receive through the identification card reader an encrypted user identification information from an IC identification card,
• receive a user bank account information including a bank account password, and
• send the encrypted user identification information and the user bank account password using the first processor;
• and
• an intermediary platform having an encryption device and a second processor, wherein the encryption device is used for decrypting at least the encrypted user identification information sent from the accepting device, and the second processor is used for determining a bank account number corresponding to the user identification information, the intermediary platform being further adapted to:
• communicate a bank transaction information including the bank account number and the user bank account password to a participating bank subsystem to request a bank transaction,
• receive a bank transaction result from the participating bank subsystem, and
• communicate the bank transaction result to the accepting device.

A payment method for trading using an IC identification card, the method comprises:

• receiving an encrypted user identity information of a user through an identification card reader, the encrypted user identification information including a user identification card number;
• receiving a bank account information including a bank account password entered by the user;
• receiving a transaction amount entered by a merchant;
• sending the encrypted user identity information, the bank account information and the transaction amount to an intermediary platform;
• decrypting at least the encrypted user identity information received by the intermediary platform;
• sending from the intermediary platform a bank transaction information including the user identity information, the bank account password and the transaction amount to a participating bank subsystem to request a bank transaction;
• and
• if the bank transaction information contains a bank account number, verifying the bank account password, processing at the participating bank subsystem the requested bank transaction, and returning a bank transaction result to the intermediary platform, whereas
• if the bank transaction information does not contain a bank account number, finding at the participating bank subsystem the bank account number corresponding to the user identity information, verifying the bank account password, processing the requested bank transaction, and returning a bank transaction result to the intermediary platform.

A payment system for trading using an IC identification card, the system comprising:

• an accepting device having an IC identification card reader to receive and decrypt an encrypted user identity information from an IC identification card, the accepting device being adapted for further receiving a user bank account information;
• and
• an intermediary platform adapted for
• receiving the decrypted user identity information and the user bank account information sent from the accepting device,
• communicating a bank transaction information including the user identity information and the user bank account information to a participating bank subsystem to request a bank transaction,
• receiving a bank transaction result from the participating bank subsystem, and
• communicating the bank transaction result to the accepting device.

A payment method for trading using an IC identification card, the method comprises:

• receiving an encrypted user identity information of a user through an identification card reader, the encrypted user identification information including a user identification card number;
• decrypting the encrypted user identity information received by the identification card reader;
• receiving a bank account information including a bank account password entered by the user;
• receiving a transaction amount entered by a merchant;
• sending the decrypted user identity information, the bank account information and the transaction amount to an intermediary platform;
• sending from the intermediary platform a bank transaction information including the user identity information, the bank account password and the transaction amount to a participating bank subsystem to request a bank transaction;
• and
• if the bank transaction information contains a bank account number, verifying the bank account password, processing at the participating bank subsystem the requested bank transaction, and returning a bank transaction result to the intermediary platform, whereas
• if the bank transaction information does not contain a bank account number, finding at the participating bank subsystem the bank account number corresponding to the user identity information, verifying the bank account password, processing the requested bank transaction, and returning a bank transaction result to the intermediary platform.