CN102243740A - Electronic payment method - Google Patents
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- CN102243740A CN102243740A CN 201110219089 CN201110219089A CN102243740A CN 102243740 A CN102243740 A CN 102243740A CN 201110219089 CN201110219089 CN 201110219089 CN 201110219089 A CN201110219089 A CN 201110219089A CN 102243740 A CN102243740 A CN 102243740A
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Abstract
The invention relates to an electronic payment method. The electronic payment method comprises the following steps: a merchant receives payment identifier information appointed by a user; the merchant sends order information and a payment identifier appointed by the user to a payment server; the payment server converts the order information to a payment request and sends the payment request to a payment identifier receiver appointed by the user; an intelligent mobile terminal of the user reads the information of the payment request of the payment identifier receiver; the information of a bank card of the user are read and encrypted; the password of the bank card is input; the user password and the information of the bank card are encrypted and transmitted to the payment server through an encrypted network transmission channel; the payment server processes the received payment information and forwards the processed payment information to a bank front for payment judgment; and the payment server receives a payment judgment result from the bank front and returns the result to the merchant and the user respectively. Compared with the traditional on-line payment, the whole payment process of the electronic payment method is simpler and safer.
Description
Technical field
The present invention relates to e-commerce field, particularly relate to a kind of electric paying method.
Background technology
At present, method of payment mainly contains e-Bank payment and does not have a card payment on the net on the traditional line.Undertaken paying on the line by Net silver, at first must be on Net silver the registering user name, and setting code also needs to download the digital certificates of Net silver.Because have trojan horse on the network, and whole payment process is comparatively loaded down with trivial details, security is lower; By there not being the card payment, the user need import credit card number on webpage or in the phone, holder name, the credit card term of validity, sensitive informations such as identifying code if the security of system of trade company strick precaution degree is lower, very likely cause large-scale cardholder information to reveal, the trojan horse that exists on the while network etc. also can be stolen the sensitive information of holder's input, and payment safety is lower.
Summary of the invention
Technical matters to be solved by this invention provides a kind of electric paying method, makes payment process simple, and reduces payment risk.
The technical solution adopted for the present invention to solve the technical problems is: a kind of electric paying method is provided, may further comprise the steps:
(1) user pays after finishing shopping or accepting service that trade company provides, and trade company receives the payment identification information of user's appointment;
(2) trade company sends to paying server with the payment sign of sequence information and user's appointment;
(3) paying server is converted into Payment Request with sequence information and is sent to the payment sign receiving terminal of user's appointment;
(4) user's intelligent mobile terminal reads the payment request information of payment sign receiving terminal;
(5) being installed in information reading module on the intelligent mobile terminal reads user's bank card information and bank card information is encrypted;
(6) user is by being installed in the load module input bank card password on the intelligent mobile terminal;
(7) the secure payment module on the intelligent mobile terminal is encrypted user cipher and bank card information, and the secure network transmission channel by encrypting, and bank card information and bank card password are submitted to paying server;
(8) be transmitted to the bank preposing judgement of paying after paying server is handled the payment information received;
(9) paying server is accepted after the bank preposing payment judged result result to be returned to trade company and user respectively.
Described intelligent mobile terminal is smart mobile phone or panel computer.
Described user specifies payment to be designated the sign number that is transferred to user's intelligent mobile terminal by the electronic channel mode.
Described bank card is the physical medium of storage user bank account information electronical record.
Described step reads bank card information by the information reading module that is installed on user's intelligent mobile terminal in (5), and it reads mode is that contact reads or contactless reading.
In described step (4) and the step (7), user's intelligent mobile terminal transmits encryption by the double-encryption passage to payment information, and user's intelligent mobile terminal and paying server are not stored bank card information and user cipher.
Beneficial effect
Owing to adopted above-mentioned technical scheme, the present invention compared with prior art, have following advantage and good effect: the present invention utilizes user's intelligent mobile terminal that commodity and the service bought are paid, can selecting in the wallet arbitrarily, bank pays, and the user need import bank card password, intelligent mobile terminal is to carrying out double-encryption and transmission to payment information, paying server is not stored bank card and personal identification number information, guaranteed the security of individual payment information, because the present invention does not need registration, also need not to open Net silver, need on webpage or phone channel, not import sensitive information, it is more simple and quick that whole payment process is compared on original traditional line payment, and security is also higher.
Description of drawings
Fig. 1 is a process flow diagram of the present invention.
Embodiment
Below in conjunction with specific embodiment, further set forth the present invention.Should be understood that these embodiment only to be used to the present invention is described and be not used in and limit the scope of the invention.Should be understood that in addition those skilled in the art can make various changes or modifications the present invention after the content of having read the present invention's instruction, these equivalent form of values fall within the application's appended claims institute restricted portion equally.
Embodiments of the present invention relate to a kind of electric paying method, as shown in Figure 1, may further comprise the steps:
When paying after (1) user finishes shopping or accepts service that trade company provides, trade company receives the payment identification information of user's appointment, it is the sign number that can be transferred to user's intelligence mobile device by the electronic channel mode that the user specifies the payment sign, as subscriber phone number, dynamic random payment number that user email mailbox, paying server provide or the like.
(2) the trade company's transmission sequence information (perhaps customer consumption information) and the payment of user's appointment are identified to paying server.
(3) paying server is converted into Payment Request with sequence information and is sent to the payment sign receiving terminal of user's appointment, be that paying server order (or consumption) information changes into the encryption Payment Request, the definite user of payment sign who provides according to the user pays receiving terminal such as phone number, user's electronic mailbox etc., and will encrypt Payment Request and send to the user and pay receiving terminal.
(4) user's intelligent mobile terminal reads the payment request information that payment indicates receiving terminal, just reads Payment Request from user's note or E-mail address etc.
(5) user can select any bank card to pay, being installed in information reading module on the intelligent mobile terminal reads user's bank card information and bank card information is encrypted, wherein bank card is with the user bank account information of electronical record mode persistent storage on physical medium, as bank's magnetic stripe card, bank's IC-card etc.
(6) user is by being installed in the load module input bank card password on the intelligent mobile terminal, and it reads mode is that contact reads or contactless reading.
(7) the secure payment module on the intelligent mobile terminal is encrypted user cipher and bank card information, and secure network transmission channel by encrypting, bank card information and bank card password are submitted to paying server, adopt the double-encryption passage payment information to be encrypted the security that to guarantee payment information.
(8) be transmitted to the bank preposing judgement of paying after paying server is handled the payment information received, be exactly that paying server receives the payment information that user mobile phone sends specifically, non-sensitive information (bank card information and user password information) is decrypted and to order number, trade companies etc. carry out matching treatment, after the processing information is transmitted to bank preposing, judge by cooperative bank is preposition, promptly sensitive information is decrypted processing, the work that payment confirming information etc. are concrete by bank preposing.
(9) paying server is accepted after the bank preposing payment judged result result to be returned to trade company and user respectively.
Be not difficult to find, the present invention utilizes user's intelligent mobile terminal that commodity and the service bought are paid, can selecting in the wallet arbitrarily, bank pays, and the user need import bank card password, intelligent mobile terminal is to carrying out double-encryption and transmission to payment information, paying server is not stored bank card and personal identification number information, guaranteed the security of individual payment information, because the present invention does not need registration, need on channels such as webpage or phone, not import sensitive information, also need not to open Net silver, it is more simple quick that whole payment process is compared on original traditional line payment, and security is also higher.
Claims (6)
1. an electric paying method is characterized in that, may further comprise the steps:
(1) user pays after finishing shopping or accepting service that trade company provides, and trade company receives the payment identification information of user's appointment;
(2) trade company sends to paying server with the payment sign of sequence information and user's appointment;
(3) paying server is converted into Payment Request with sequence information and is sent to the payment sign receiving terminal of user's appointment;
(4) user's intelligent mobile terminal reads the payment request information of payment sign receiving terminal;
(5) being installed in information reading module on the intelligent mobile terminal reads user's bank card information and bank card information is encrypted;
(6) user is by being installed in the load module input bank card password on the intelligent mobile terminal;
(7) the secure payment module on the intelligent mobile terminal is encrypted user cipher and bank card information, and the secure network transmission channel by encrypting, and bank card information and bank card password are submitted to paying server;
(8) be transmitted to the bank preposing judgement of paying after paying server is handled the payment information received;
(9) paying server is accepted after the bank preposing payment judged result result to be returned to trade company and user respectively.
2. electric paying method according to claim 1 is characterized in that, described intelligent mobile terminal is smart mobile phone or panel computer.
3. electric paying method according to claim 1 is characterized in that, described user specifies payment to be designated the sign number that is transferred to user's intelligent mobile terminal by the electronic channel mode.
4. electric paying method according to claim 1 is characterized in that, described bank card is the physical medium of storage user bank account information electronical record.
5. electric paying method according to claim 1 is characterized in that, described step reads bank card information by the information reading module that is installed on user's intelligent mobile terminal in (5), and it reads mode is that contact reads or contactless reading.
6. electric paying method according to claim 1, it is characterized in that, in described step (4) and the step (7), user's intelligent mobile terminal transmits encryption by the double-encryption passage to payment information, and user's intelligent mobile terminal and paying server are not stored bank card information and user cipher.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201110219089 CN102243740A (en) | 2011-08-02 | 2011-08-02 | Electronic payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201110219089 CN102243740A (en) | 2011-08-02 | 2011-08-02 | Electronic payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102243740A true CN102243740A (en) | 2011-11-16 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201110219089 Pending CN102243740A (en) | 2011-08-02 | 2011-08-02 | Electronic payment method |
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| Country | Link |
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| CN (1) | CN102243740A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102419847A (en) * | 2012-01-12 | 2012-04-18 | 广州易联商业服务有限公司 | Voice payment system |
| CN102542443A (en) * | 2011-12-02 | 2012-07-04 | 惠州Tcl移动通信有限公司 | Online payment method and corresponding equipment |
| CN102750632A (en) * | 2012-05-22 | 2012-10-24 | 广州市易票联电子商务有限公司 | Data processing method and relevant payment terminal |
| CN102904725A (en) * | 2012-10-22 | 2013-01-30 | 广东欧珀移动通信有限公司 | Password input method, device and mobile terminal |
| CN103514538A (en) * | 2012-06-21 | 2014-01-15 | 深圳盒子支付信息技术有限公司 | Method and system for implementing magnetic card payment of the Internet |
| CN103856915A (en) * | 2012-12-06 | 2014-06-11 | 阿里巴巴集团控股有限公司 | Data resource transfer method and device |
| CN104376452A (en) * | 2013-08-15 | 2015-02-25 | 世纪禾光科技发展（北京）有限公司 | System and method for managing payment success rate on basis of international card payment channel |
| CN105051767A (en) * | 2013-01-07 | 2015-11-11 | (株)韩国Nfc | Credit card self-paying system using mobile communications terminal and method therefor |
| CN105976174A (en) * | 2016-04-29 | 2016-09-28 | 乐视控股（北京）有限公司 | Method, device and system for controlling controlled equipment |
| CN107993068A (en) * | 2017-11-30 | 2018-05-04 | 钱宝科技服务（上海）有限公司 | Payment system under order line on a kind of line |
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| CN101051372A (en) * | 2006-04-06 | 2007-10-10 | 北京易富金川科技有限公司 | Method for safety verifying financial business information in electronic business |
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542443A (en) * | 2011-12-02 | 2012-07-04 | 惠州Tcl移动通信有限公司 | Online payment method and corresponding equipment |
| CN102419847B (en) * | 2012-01-12 | 2015-04-22 | 广州易联商业服务有限公司 | Voice payment system |
| CN102419847A (en) * | 2012-01-12 | 2012-04-18 | 广州易联商业服务有限公司 | Voice payment system |
| CN102750632A (en) * | 2012-05-22 | 2012-10-24 | 广州市易票联电子商务有限公司 | Data processing method and relevant payment terminal |
| CN103514538B (en) * | 2012-06-21 | 2016-10-05 | 深圳盒子支付信息技术有限公司 | The realization method and system that the magnetic card of internet pays |
| CN103514538A (en) * | 2012-06-21 | 2014-01-15 | 深圳盒子支付信息技术有限公司 | Method and system for implementing magnetic card payment of the Internet |
| CN102904725B (en) * | 2012-10-22 | 2016-02-10 | 广东欧珀移动通信有限公司 | A kind of cipher-code input method, device and mobile terminal |
| CN102904725A (en) * | 2012-10-22 | 2013-01-30 | 广东欧珀移动通信有限公司 | Password input method, device and mobile terminal |
| CN103856915A (en) * | 2012-12-06 | 2014-06-11 | 阿里巴巴集团控股有限公司 | Data resource transfer method and device |
| CN105051767A (en) * | 2013-01-07 | 2015-11-11 | (株)韩国Nfc | Credit card self-paying system using mobile communications terminal and method therefor |
| CN105051767B (en) * | 2013-01-07 | 2018-12-14 | (株)韩国Nfc | Use the credit card Self-service payment system and its method of mobile communication terminal |
| CN104376452A (en) * | 2013-08-15 | 2015-02-25 | 世纪禾光科技发展（北京）有限公司 | System and method for managing payment success rate on basis of international card payment channel |
| CN104376452B (en) * | 2013-08-15 | 2018-05-15 | 世纪禾光科技发展（北京）有限公司 | System and method based on international card payment channel managing payment success rate |
| CN105976174A (en) * | 2016-04-29 | 2016-09-28 | 乐视控股（北京）有限公司 | Method, device and system for controlling controlled equipment |
| CN107993068A (en) * | 2017-11-30 | 2018-05-04 | 钱宝科技服务（上海）有限公司 | Payment system under order line on a kind of line |
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Application publication date: 20111116 |