CN105574716A - Intelligent electronic network payment interface and method - Google Patents
Intelligent electronic network payment interface and method Download PDFInfo
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- CN105574716A CN105574716A CN201610072045.9A CN201610072045A CN105574716A CN 105574716 A CN105574716 A CN 105574716A CN 201610072045 A CN201610072045 A CN 201610072045A CN 105574716 A CN105574716 A CN 105574716A
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- 238000000034 method Methods 0.000 title claims abstract description 24
- 238000004891 communication Methods 0.000 claims abstract description 17
- 238000011161 development Methods 0.000 claims abstract description 7
- 230000007246 mechanism Effects 0.000 claims description 22
- 230000004044 response Effects 0.000 claims description 12
- 230000006870 function Effects 0.000 claims description 8
- 238000013461 design Methods 0.000 claims description 6
- 238000004080 punching Methods 0.000 claims description 6
- 230000008569 process Effects 0.000 claims description 5
- 230000005540 biological transmission Effects 0.000 claims description 4
- 238000013459 approach Methods 0.000 claims description 3
- 230000000717 retained effect Effects 0.000 claims description 3
- 238000010200 validation analysis Methods 0.000 claims description 3
- 230000008901 benefit Effects 0.000 abstract description 2
- 230000007547 defect Effects 0.000 abstract description 2
- 238000013500 data storage Methods 0.000 abstract 1
- 238000012423 maintenance Methods 0.000 abstract 1
- 230000000007 visual effect Effects 0.000 abstract 1
- 238000005516 engineering process Methods 0.000 description 10
- 238000010586 diagram Methods 0.000 description 3
- 238000013475 authorization Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 230000006835 compression Effects 0.000 description 1
- 238000007906 compression Methods 0.000 description 1
- 238000013478 data encryption standard Methods 0.000 description 1
- 230000007812 deficiency Effects 0.000 description 1
- 238000005538 encapsulation Methods 0.000 description 1
- 238000012011 method of payment Methods 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
Abstract
The present invention belongs to the electronic technical field and relates to an intelligent electronic payment network interface and method. The intelligent electronic payment network interface is implemented by using a Microsoft Visual Studio 2005 development platform and C + + language. The interface includes a communication module, a transaction module, a security module and a data storage module; the payment interface provides a PI and a port number and maintains a CTP/IP long connection pair with a payment platform, wherein the CTP/IP long connection pair always maintains a connection with the payment platform and constantly monitors ports and is used for exchanging transaction information with the payment platform; the transaction module receives a virtual currency payment request from the payment platform and thereafter verifies a user name and passwords; and the security module adopts SL security connection and verifies the messages of two communication parties through using digital signature. With the system of the invention adopted, the defect that the passwords of ports have high possibility of being stolen of an existing authentication method can be eliminated. The interface and method have the advantages of less resource occupation and simplicity in implementation and maintenance.
Description
Technical field
The present invention relates to electronic technology field, be specifically related to a kind of intelligent electronic network payment interface and method.
Background technology
Along with the high speed development of internet, ecommerce has manifested vigorous vitality, in developed country, the development of ecommerce is very fast, undertaken concluding the business by internet and become trend, the demand for development information flow of ecommerce, cash flow and logistics three aspect are unimpeded, to ensure the safety of concluding the business and speed.
Summary of the invention
The object of the invention is to the defect for prior art and deficiency, a kind of intelligent electronic network payment interface and method are provided, the safety techniques such as SL agreement, digital certificate, digital signature and the communication technology is utilized to design and Implement an available payment interface, native system not only overcomes the weakness that in the authentication mode of tradition " teller number+password ", mouth password is easily stolen, also have resource occupation few, implement and the feature such as to safeguard simply and system stability is strong.
For achieving the above object, the technical solution used in the present invention is:
A kind of intelligent electronic network payment interface of the present invention, this E-Payment connects and utilizes MicrosoftVisualStudio2005 development platform and C Plus Plus to realize, comprise communication module, transaction modules, security module and data memory module, payment interface is for a PI and port numbers, and safeguard one with the CTP/IP of payment platform long be connected right, this CTP/IP is long to be connected all remain the connection with payment platform all along, all the time listening port, for the mutual Transaction Information of payment platform; Described transaction modules is verified username and password from after the dummy payments request of payment platform by receiving; Described security module SL secure connection, uses digital signature to verify the message of intercommunication.
The present invention have also been devised a kind of intelligent electronic method of network payment in addition, comprises the steps:
(1) user files a request to service provider;
(2) service provider returns to user relevant information after obtaining request;
(3) user completes ideal money selection, and sends dummy payments request to payment platform after the defeated people of completing user name and password;
(4) payment platform sends to ideal money provider the request of withholing;
(5) ideal money provider returns and successfully pays response;
(6) payment platform sends dummy payments successful respond to user;
(7) payment platform sends the request submitting user's service or product to service provider;
(8) service provider returns the response of acceptance;
(9) service provider submits service or product to user and shows the information of Transaction Success.
On such scheme basis preferably, mutual Transaction Information to payment platform comprises packet sending and receiving, long connection mechanism, Auto-reconnect is machine-processed is connected keepalive mechanism with the free time, packet sending and receiving is right based on being connected with the CTP/PI set up between payment platform, and payment interface need provide and carry out the support of packet sending and receiving function between payment platform; Use long connection to communicate between long connection mechanism payment platform and payment interface, payment platform is the service end of communication; In Auto-reconnect mechanism, payment interface must can monitor the long connection status of one's own side and payment platform; Idle connection keepalive mechanism is that in certain hour, payment interface does not receive any information from payment platform, so just sends one to payment platform and detects message, whether normally detect connection.
On such scheme basis preferably, in described security module, payment platform, each VMPI and each VMI must have respective digital certificate, all digital certificate PKI length is 1024, and public exponent is 3, uses digital signature to verify the message of intercommunication.
On such scheme basis preferably, this payment interface designs based on electronic fare payment system, this system is centered by network, electronic payment function is realized by businessman, consumer, financial institution, home-delivery center and ca authentication mechanism, wherein consumer enters the Internet by using browser, television set top box, personal digital assistant and videophone, obtaining information and purchase commodity; Businessman gives out information and accepts an order.
On such scheme basis preferably, the communication between this payment interface payment platform and payment interface uses ssl protocol, ensures the security of data transmission, after payment interface receives message, resolve encrypting traffic, verify with the key in digital certificate, to guarantee the reliability of message, on the reliable basis of message, turn people backstage, carry out the transaction of formulating in message, then transaction results is organized into message, after signature, send to payment platform.
On such scheme basis preferably, described transaction modules is divided three classes: consumer sale, punching are just being concluded the business and inquiry into balance transaction, under the prerequisite that user validation is verified, response is made to various transaction, user balance this transaction whether enough will be noted in consumer sale, punching will prevent user from just repeatedly rushing in just concluding the business, all operations all send to payment platform as the part returning response message when closing the transaction, and the information of this transaction simultaneously also retained in local data base is settled accounts under line.
On such scheme basis preferably, payment interface safe handling information approach in process of exchange is as follows:
(1) the long mode connected is adopted to keep being connected with payment platform;
(2) with the security adopting SL mechanism to communicate between payment platform;
(3) digital certificate of payment platform mandate is installed, utilizes digital signature authentication to confirm the legitimacy of user and transaction;
(4) building database in home server, store transaction and daily record;
(5) configuration file is utilized to improve performance and the extendability of system;
(6) utilize daily record, record and the relevant information of transaction and operation and error message when communicating, conveniently to debug and fluffing check.
After adopting said structure, beneficial effect of the present invention is: the present invention utilizes the safety techniques such as SL agreement, digital certificate, digital signature and the communication technology to design and Implement an available payment interface, native system not only overcomes the weakness that in the authentication mode of tradition " teller number+password ", mouth password is easily stolen, also have resource occupation few, implement and the feature such as to safeguard simply and system stability is strong.
Accompanying drawing explanation
Fig. 1 is the schematic diagram of method of payment of the present invention;
Fig. 2 is payment system schematic diagram of the present invention;
Fig. 3 is payment interface process flow diagram of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention is further illustrated.
As shown in Figure 1 to Figure 3, a kind of intelligent electronic network payment interface of the present invention, this E-Payment connects and utilizes MicrosoftVisualStudio2005 development platform and C Plus Plus to realize, comprise communication module, transaction modules, security module and data memory module, payment interface is for a PI and port numbers, and safeguard one with the CTP/IP of payment platform long be connected right, this connection all remains the connection with payment platform all along, all the time listening port, for the mutual Transaction Information of payment platform; Described transaction modules is verified username and password from after the dummy payments request of payment platform by receiving; Described security module SL secure connection, uses digital signature to verify the message of intercommunication.
The present invention have also been devised a kind of intelligent electronic method of network payment in addition, comprises the steps:
(1) user files a request to service provider;
(2) service provider returns to user relevant information after obtaining request;
(3) user completes ideal money selection, and sends dummy payments request to payment platform after the defeated people of completing user name and password;
(4) payment platform sends to ideal money provider the request of withholing;
(5) ideal money provider returns and successfully pays response;
(6) payment platform sends dummy payments successful respond to user;
(7) payment platform sends the request submitting user's service or product to service provider;
(8) service provider returns the response of acceptance;
(9) service provider submits service or product to user and shows the information of Transaction Success.
On such scheme basis preferably, mutual Transaction Information to payment platform comprises packet sending and receiving, long connection mechanism, Auto-reconnect is machine-processed is connected keepalive mechanism with the free time, packet sending and receiving is right based on being connected with the CTP/PI set up between payment platform, and payment interface need provide and carry out the support of packet sending and receiving function between payment platform; Use long connection to communicate between long connection mechanism payment platform and payment interface, payment platform is the service end of communication; In Auto-reconnect mechanism, payment interface must can monitor the long connection status of one's own side and payment platform; Idle connection keepalive mechanism is that in certain hour, payment interface does not receive any information from payment platform, so just sends one to payment platform and detects message, whether normally detect connection.
Further, in described security module, payment platform, each VMPI and each VMI must have respective digital certificate, and all digital certificate PKI length is 1024, and public exponent is 3, use digital signature to verify the message of intercommunication.
Further, this payment interface designs based on electronic fare payment system, this system is centered by network, electronic payment function is realized by businessman, consumer, financial institution, home-delivery center and ca authentication mechanism, wherein consumer enters the Internet by using browser, television set top box, personal digital assistant and videophone, obtaining information and purchase commodity; Businessman gives out information and accepts an order.
Further, the communication between this payment interface payment platform and payment interface uses ssl protocol, ensures the security of data transmission, after payment interface receives message, resolve encrypting traffic, verify with the key in digital certificate, to guarantee the reliability of message, on the reliable basis of message, turn people backstage, carry out the transaction of formulating in message, then transaction results is organized into message, after signature, send to payment platform.
Further, described transaction modules is divided three classes: consumer sale, punching are just being concluded the business and inquiry into balance transaction, under the prerequisite that user validation is verified, response is made to various transaction, user balance this transaction whether enough will be noted in consumer sale, punching will prevent user from just repeatedly rushing in just concluding the business, and all operations all send to payment platform as the part returning response message when closing the transaction, and this information of concluding the business simultaneously also retained in local data base is settled accounts under line.
Further, payment interface safe handling information approach in process of exchange is as follows:
(1) the long mode connected is adopted to keep being connected with payment platform;
(2) with the security adopting SL mechanism to communicate between payment platform;
(3) digital certificate of payment platform mandate is installed, utilizes digital signature authentication to confirm the legitimacy of user and transaction;
(4) building database in home server, store transaction and daily record;
(5) configuration file is utilized to improve performance and the extendability of system;
(6) utilize daily record, record and the relevant information of transaction and operation and error message when communicating, conveniently to debug and fluffing check.
Safety technique principle in electronic payment process of the present invention:
(1) asymmetric encryption techniques: asymmetric encryption, also claims public key encryption, refers to that key is broken down into a pair, i.e. a public-key cryptography (encryption key) and a private key (decruption key).This can be open to other people by unclassified mode as public-key cryptography (encryption key) to any one in key, and another is then preserved as private key (decruption key).Public-key cryptography is used for the encryption to confidential information, and private key is then for the solution to enciphered message.Anyone can use public-key cryptography to information encryption, but only has the owner of the private key matched with the disclosure key could to decrypts information.At present, conventional rivest, shamir, adelman has RSA Algorithm, and this algorithm is recommended as unsymmetrical key data encryption standards by the data encryption technology sub-committee s ware 0 of SIO/TC.
(2) secure authentication technology: authentication techniques are a kind of effective ways preventing information to be tampered, delete, reset and forge, and it makes the message of transmission have the ability be verified, enables recipient identify the true and false with acknowledge message.Its realization comprises the technology such as digital signature, digital certificate; Digital signature technology is the digital signature that the Encrypt and Decrypt algorithm system of employing encryption technology realizes to message.Digital signature can realize following functions: debit can confirm the true identity originating party of originating party can not deny afterwards the message that sent, debit or illegal person can not forge or distort message.When both sides dispute about the true and false of signing, third party can solve the disagreement river digital certificate occurred between both sides, is electronically to confirm the identity of a user and the authority to network resource accession.Use digital certificate, by using the cryptographic techniques such as symmetrical and asymmetric cryptosystem to set up a set of tight identity authorization system, thus guarantee information is not stolen by other people except transmit leg and take over party; Information is not tampered in transmitting procedure; Transmit leg can confirm the identity of take over party by digital certificate; Transmit leg can not be denied for the information of oneself.
(3) safe socket character, can referred to as coded communication agreement.Use SL can carry out the encryption of high strength to communication (comprising E mono-mail) content, monitor Content of Communication or even user cipher to prevent hacker; SLs agreement is a kind of data security protocol between TCP/PI and various application layer protocol, and itself can be divided into two-layer.The SSL record protocol of lower floor is based upon on reliable host-host protocol (as CTP), provides the support of the basic functions such as data encapsulation, compression, increase MAC and encryption for upper-layer protocol; The service that ssl protocol provides can be summarized as integrality z [] three aspects of the legitimacy certification of user and server, enciphered data and protected data.The advantage of sLs be it independent of application protocol, the agreement of a higher level can be positioned on SL agreement pellucidly.
Electronic fare payment system of the present invention is important component part and the bottle neck of e-commerce system, it refers to use safety electronically trade goods or service between consumer, businessman and financial institution etc., namely novel means of payment (are comprised electronic cash, credit card, debit card, smart card etc.) payment information be sent to bank or corresponding processing mechanism by network security, realize paying by mails.
The present invention utilizes the safety techniques such as SL agreement, digital certificate, digital signature and the communication technology to design and Implement an available payment interface, native system not only overcomes the weakness that in the authentication mode of tradition " teller number+password ", mouth password is easily stolen, also there is resource occupation few, implement and safeguard the features such as simple and system stability is strong.
The above is only better embodiment of the present invention, therefore all equivalences done according to structure, feature and the principle described in patent claim of the present invention change or modify, and are included in patent claim of the present invention.
Claims (8)
1. an intelligent electronic network payment interface, it is characterized in that: this intelligent electronic network payment interface utilizes MicrosoftVisualStudio2005 development platform and C Plus Plus to realize, comprise communication module, transaction modules, security module and data memory module, payment interface is for a PI and port numbers, and safeguard one with the CTP/IP of payment platform long be connected right, this CTP/IP is long to be connected all remain the connection with payment platform all along, all the time listening port, for the mutual Transaction Information of payment platform; Described transaction modules is verified username and password from after the dummy payments request of payment platform by receiving; Described security module SL secure connection, uses digital signature to verify the message of intercommunication.
2. an intelligent electronic method of network payment, is characterized in that: comprise the steps:
(1) user files a request to service provider;
(2) service provider returns to user relevant information after obtaining request;
(3) user completes ideal money selection, and sends dummy payments request to payment platform after the defeated people of completing user name and password;
(4) payment platform sends to ideal money provider the request of withholing;
(5) ideal money provider returns and successfully pays response;
(6) payment platform sends dummy payments successful respond to user;
(7) payment platform sends the request submitting user's service or product to service provider;
(8) service provider returns the response of acceptance;
(9) service provider submits service or product to user and shows the information of Transaction Success.
3. a kind of intelligent electronic network payment interface according to claim 1, it is characterized in that: the mutual Transaction Information to payment platform comprises packet sending and receiving, long connection mechanism, Auto-reconnect is machine-processed is connected keepalive mechanism with the free time, packet sending and receiving is right based on being connected with the CTP/PI set up between payment platform, and payment interface need provide and carry out the support of packet sending and receiving function between payment platform; Use long connection to communicate between long connection mechanism payment platform and payment interface, payment platform is the service end of communication; In Auto-reconnect mechanism, payment interface must can monitor the long connection status of one's own side and payment platform; Idle connection keepalive mechanism is that in certain hour, payment interface does not receive any information from payment platform, so just sends one to payment platform and detects message, whether normally detect connection.
4. a kind of intelligent electronic network payment interface according to claim 1, it is characterized in that: in described security module, payment platform, each VMPI and each VMI must have respective digital certificate, all digital certificate PKI length is 1024, public exponent is 3, uses digital signature to verify the message of intercommunication.
5. a kind of intelligent electronic network payment interface according to claim 1, it is characterized in that: this payment interface designs based on electronic fare payment system, this system is centered by network, electronic payment function is realized by businessman, consumer, financial institution, home-delivery center and ca authentication mechanism, wherein consumer enters the Internet by using browser, television set top box, personal digital assistant and videophone, obtaining information and purchase commodity; Businessman gives out information and accepts an order.
6. a kind of intelligent electronic network payment interface according to claim 2, it is characterized in that: the communication between this payment interface payment platform and payment interface uses ssl protocol, ensure the security of data transmission, after payment interface receives message, resolve encrypting traffic, verify with the key in digital certificate, to guarantee the reliability of message, on the reliable basis of message, turn people backstage, carry out the transaction of formulating in message, then transaction results is organized into message, after signature, send to payment platform.
7. a kind of intelligent electronic network payment interface according to claim 1, it is characterized in that: described transaction modules is divided three classes: consumer sale, punching is just being concluded the business and inquiry into balance transaction, under the prerequisite that user validation is verified, response is made to various transaction, user balance this transaction whether enough will be noted in consumer sale, punching will prevent user from just repeatedly rushing in just concluding the business, all operations all send to payment platform as the part returning response message when closing the transaction, the information of this transaction simultaneously also retained in local data base is settled accounts under line.
8. a kind of intelligent electronic method of network payment according to claim 2, is characterized in that: payment interface safe handling information approach in process of exchange is as follows:
(1) the long mode connected is adopted to keep being connected with payment platform;
(2) with the security adopting SL mechanism to communicate between payment platform;
(3) digital certificate of payment platform mandate is installed, utilizes digital signature authentication to confirm the legitimacy of user and transaction;
(4) building database in home server, store transaction and daily record;
(5) configuration file is utilized to improve performance and the extendability of system;
(6) utilize daily record, record and the relevant information of transaction and operation and error message when communicating, conveniently to debug and fluffing check.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610072045.9A CN105574716A (en) | 2016-02-02 | 2016-02-02 | Intelligent electronic network payment interface and method |
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| CN201610072045.9A CN105574716A (en) | 2016-02-02 | 2016-02-02 | Intelligent electronic network payment interface and method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108154364A (en) * | 2016-12-06 | 2018-06-12 | 上海方付通商务服务有限公司 | Wearable device and payment system and method for payment with the wearable device |
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2016
- 2016-02-02 CN CN201610072045.9A patent/CN105574716A/en active Pending
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| US5671279A (en) * | 1995-11-13 | 1997-09-23 | Netscape Communications Corporation | Electronic commerce using a secure courier system |
| CN104463567A (en) * | 2013-09-16 | 2015-03-25 | 航天信息股份有限公司 | Secure electronic transaction method and system |
| CN104574049A (en) * | 2013-10-15 | 2015-04-29 | 航天信息股份有限公司 | Real-time electronic payment and settlement system based on SET (security electronic transaction) protocol |
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Application publication date: 20160511 |
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