, the Internet into the customers, through a browser browse the goods on the net, choose goods, fill in the online order, select the application of network payment and settlement tool, and authorized the use of the bank.
,Diction, client, the related order information, such as payment information is encrypted, submit orders on the Internet.
, the merchant server check, confirm to the customer order information, and the related, encrypted customer payment information forwarded to payment gateway, until the bank private network bank background server validation, to verify such as electronic money from the bank issuing agencies the authority to pay the money.
, after the bank confirmed, through set up through the payment gateway encryption communication channels, to business server to send back to confirm and payment and settlement information, for further safety, pay the authorization request to send customers back.
, further authorization from the customer clearing bank information, after the money from customer account transfers to develop e-commerce merchants bank account, settlement through financial private networks (VPNS), and respectively to the business, customers send payment and settlement information successfully.
, the merchant server after receiving the information from the bank settlement success, to the customer network payment successful information sending and delivery notice. At this point, a typical network payment and settlement process to an end. Merchants and customers can check their money balances, respectively, with the aid of network information, in order to further check.