1. First of all, customers now find the goods they want to buy online, and then fill in the purchase order and credit card number as required;

2. After receiving the above information, the merchant server sends it to the merchant bank, asking the merchant bank to confirm the authenticity of the customer's credit card and apply for payment;

3. The merchant bank requests the legal authentication and credit limit of the credit card from the customer issuing bank through the financial private network, and finally sends the result to the merchant server;

4. If the credit card supports this payment limit, the merchant can arrange some way to deliver the goods to the customer after receiving the confirmation result, and the merchant's account opening bank and the customer's credit card issuing bank should complete the corresponding accounting treatment within the time limit agreed by both parties in advance;

5. If the customer overdraws, the issuing bank of the customer shall also notify the customer to make up the overdraft amount within the specified time.