The invention discloses an electronic payment system and payment method based on fixed telephone network, wherein the system comprises a service and authentication server, data server connected to the Internet banking system, as well as the telephone payment terminal connected to the Internet via the gateway device, the telephone payment terminal and inserted PSAM card PSAM card reader write with the service and the authentication server stores the telephone payment information and service type authentication information corresponding to a terminal; the telephone payment terminal business and the right to request authentication according to the instruction of the owner of the PSAM card service request for the corresponding types of business, the business and the authentication server to the request business types of authentication, the authentication for the legal system to the bank after the data sent by the server corresponding to the service request, the server data bank system according to the business please The data stored in the corresponding PSAM card is operated, and the operation result is fed back to the telephone payment terminal.
【技术实现步骤摘要】
【技术保护点】
１．一种基于固定电话网的电子支付系统，其特征在于，包括连接于互联网的业务及鉴权服务器、银行系统数据服务器，以及通过网关设备连接于互联网的电话支付终端，所述电话支付终端还与插有ＰＳＡＭ卡的ＰＳＡＭ卡读写器连接，其中，所述业务及鉴权服务器储存有电话支付终端对应的业务种类信息及业务鉴权信息；所述电话支付终端根据ＰＳＡＭ卡的所有者的请求指令向业务及鉴权服务器请求相应的业务种类，所述业务及鉴权服务器对该请求的业务种类进行鉴权，待鉴权为合法后向银行系统数据服务器发出对应的业务请求，所述银行系统数据服务器根据该业务请求对其存储的对应于所述ＰＳＡＭ卡的数据进行操作，并将操作结果反馈于电话支付终端。
【技术特征摘要】
【专利技术属性】
技术研发人员：贺晓华，庞潼川，陈国文，
申请(专利权)人：汉达尔通信技术北京有限公司，
类型：发明
国别省市：11
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