CN107146076A - Method for secure transactions and system - Google Patents
Method for secure transactions and system Download PDFInfo
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- CN107146076A CN107146076A CN201710229872.9A CN201710229872A CN107146076A CN 107146076 A CN107146076 A CN 107146076A CN 201710229872 A CN201710229872 A CN 201710229872A CN 107146076 A CN107146076 A CN 107146076A
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- payment
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses method for secure transactions and system, method includes：Card request is tied up in reception；Transmission is asked to tie up card response message according to the card of tying up；Receive and tie up that card response message is corresponding to tie up card information with described；Card information is tied up described in checking；If being verified, the corresponding account of card information will be tied up and be tied to client；It is traded by the client.Method for secure transactions provided in an embodiment of the present invention and system realize vdiverse in function, convenient management and can ensure the function of account number safety by modes such as binding, multiple-authentication, management third party's payment informations.
Description
Technical field
The present invention relates to network trading field, more particularly to method for secure transactions and system.
Background technology
More and more universal in online transaction with the development of information technology, account management and safety problem are also increasingly drawn
Play the attention of people, it is desirable to provide vdiverse in function, convenient to manage and the method for secure transactions and system of account number safety be ensured.
The content of the invention
In order to overcome the deficiencies in the prior art, it is an object of the invention to provide a kind of method for secure transactions and system, its
Vdiverse in function, convenient management can be realized and the function of account number safety can be ensured.
The purpose of the present invention is realized using following technical scheme：
Method for secure transactions, including：
Card request is tied up in reception；
Transmission is asked to tie up card response message according to the card of tying up；
Receive and tie up that card response message is corresponding to tie up card information with described；
Card information is tied up described in checking；
If being verified, the corresponding account of card information will be tied up and be tied to client；
It is traded by the client.
It is preferred that, tying up card information described in the checking includes：
Small amount charging request is sent to the corresponding account of card information of tying up；
If the client, which is received, supplements response with money, it is verified.
It is preferred that, it is described by the client be traded including：
Receive third party's payment request；
The corresponding Payment Amount of third party's payment request is supplemented with money in user's bank account.
It is preferred that, described be traded by the client also includes：
Reception is withdrawn deposit request；
Corresponding response message of withdrawing deposit is sent according to the request of withdrawing deposit；
Information of withdrawing deposit corresponding with the response message of withdrawing deposit is received, the information of withdrawing deposit includes：Withdraw deposit and object and carry
Amount in cash；
Corresponding Withdrawal Amount is supplemented with money according to the information of withdrawing deposit and withdrawn deposit on object.
It is preferred that, described be traded by the client also includes：
Receive and pay request；
The corresponding payment response information of request transmission is paid according to described；
Payment information corresponding with the payment response information is received, the payment information includes the means of payment and pays gold
Volume；
The corresponding means of payment is selected according to the payment information and operation of withholing is carried out.
The invention further relates to a kind of affaris safety trade system, including：First receiving module, the first sending module, second receive
Module, authentication module, binding module and transaction modules；
First receiving module, card request is tied up for receiving；
First sending module, card response message is tied up for tying up card request transmission according to；
Second receiving module, ties up that card response message is corresponding to tie up card information for receiving with described；
The authentication module, described card information is tied up for verifying；
The binding module, if for being verified, the corresponding account of card information will be tied up and be tied to client；
The transaction modules, for being traded by the client.
It is preferred that, the authentication module includes：Second sending module and the 3rd receiving module；
Second sending module, for sending small amount charging request to the corresponding account of card information of tying up；
3rd receiving module, supplements response with money if being received for the client, is verified.
It is preferred that, the transaction modules include：4th receiving module and supplement module with money；
4th receiving module, for receiving third party's payment request；
It is described to supplement module with money, for supplementing the corresponding Payment Amount of third party's payment request with money user bank account
In.
It is preferred that, the transaction modules also include：5th receiving module, the 3rd sending module and the 6th receiving module.
5th receiving module, for receiving request of withdrawing deposit；
3rd sending module, corresponding response message of withdrawing deposit is sent for request of being withdrawn deposit according to；
6th receiving module, for receiving information of withdrawing deposit corresponding with the response message of withdrawing deposit, the letter of withdrawing deposit
Breath includes：Withdraw deposit object and Withdrawal Amount；
Described to supplement module with money, corresponding Withdrawal Amount is supplemented with money and withdrawn deposit on object by the information that is additionally operable to withdraw deposit according to.
It is preferred that, the transaction modules also include：7th receiving module, the 4th sending module, the 8th receiving module and button
Money module；
7th receiving module, request is paid for receiving；
4th sending module, for paying the corresponding payment response information of request transmission according to described；
8th receiving module, for receiving payment information corresponding with the payment response information, the disbursement letter
Breath includes the means of payment and payment；
The module of withholing, for selecting the corresponding means of payment according to the payment information and carrying out operation of withholing.
Compared with prior art, the beneficial effects of the present invention are：Pass through binding, multiple-authentication, management third party's payment letter
Breath, realizes vdiverse in function, convenient management and can ensure the function of account number safety.
Brief description of the drawings
Fig. 1 is method for secure transactions flow chart provided in an embodiment of the present invention；
Fig. 2 is affaris safety trade system schematic diagram provided in an embodiment of the present invention.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Method for secure transactions provided in an embodiment of the present invention, as shown in figure 1, method includes：
Step S101：Card request is tied up in reception.Specifically, card option is tied up in the selection of user's capital management interface, card is tied up in transmission please
Ask.
Step S102：Transmission is asked to tie up card response message according to the card of tying up.Specifically, server, which is received, ties up card request,
Card response message is tied up to user feedback, tying up card response message includes the information such as bank of deposit, account, user name, and user fills in completely
Server is sent to after information.
Step S103：Receive and tie up that card response message is corresponding to tie up card information with described.
Specifically, server, which is received, ties up card information, the card information of tying up inputted according to user performs corresponding operation.
Step S104：Card information is tied up described in checking.
Specifically, the step includes：
Step S1041：Small amount charging request is sent to the corresponding account of card information of tying up；
Step S1042：If the client, which is received, supplements response with money, it is verified.
Step S105：If being verified, the corresponding account of card information will be tied up and be tied to client.
Specifically, account is tied to after client, capital management is carried out in client, it is convenient that receipts and expenditures are managed
Reason.
Step S106：It is traded by the client.
Specifically, each account has a bank account, user can inquire about the financial information of oneself in bank account,
And the transaction record with supplier.Transaction also includes：Supplement with money, withdraw deposit, pay.
The payment for receiving third-party vendor, the flow transferred accounts include：
Receive third party's payment request；
The corresponding Payment Amount of third party's payment request is supplemented with money in user's bank account.
Flow of withdrawing deposit includes：
Reception is withdrawn deposit request；
Corresponding response message of withdrawing deposit is sent according to the request of withdrawing deposit；
Information of withdrawing deposit corresponding with the response message of withdrawing deposit is received, the information of withdrawing deposit includes：Withdraw deposit and object and carry
Amount in cash；
Corresponding Withdrawal Amount is supplemented with money according to the information of withdrawing deposit and withdrawn deposit on object.
Payment flow includes：
Receive and pay request；
The corresponding payment response information of request transmission is paid according to described；
Payment information corresponding with the payment response information is received, the payment information includes the means of payment and pays gold
Volume；
The corresponding means of payment is selected according to the payment information and operation of withholing is carried out.
It is preferred that, credit payment is also provided, the use and operation of user are not delayed, it is to avoid the inconvenience of fund be user with
The loss come.
Whole process of exchange is safe and efficient, and facilitates user's capital management.
As shown in Fig. 2 affaris safety trade system provided in an embodiment of the present invention, including：First receiving module 11, first is sent
Module 12, the second receiving module 13, authentication module 14, binding module 15 and transaction modules 16；
First receiving module 11, card request is tied up for receiving；
First sending module 12, card response message is tied up for tying up card request transmission according to；
Second receiving module 13, ties up that card response message is corresponding to tie up card information for receiving with described；
Authentication module 14, described card information is tied up for verifying；
Binding module 15, if for being verified, the corresponding account of card information will be tied up and be tied to client；
Transaction modules 16, for being traded by the client.
It is preferred that, authentication module 14 includes：Second sending module and the 3rd receiving module；
Second sending module, for sending small amount charging request to the corresponding account of card information of tying up；
3rd receiving module, supplements response with money if being received for the client, is verified.
It is preferred that, transaction modules 16 include：4th receiving module and supplement module with money；
4th receiving module, for receiving third party's payment request；
It is described to supplement module with money, for supplementing the corresponding Payment Amount of third party's payment request with money user bank account
In.
It is preferred that, transaction modules 16 also include：5th receiving module, the 3rd sending module and the 6th receiving module.
5th receiving module, for receiving request of withdrawing deposit；
3rd sending module, corresponding response message of withdrawing deposit is sent for request of being withdrawn deposit according to；
6th receiving module, for receiving information of withdrawing deposit corresponding with the response message of withdrawing deposit, the letter of withdrawing deposit
Breath includes：Withdraw deposit object and Withdrawal Amount；
Described to supplement module with money, corresponding Withdrawal Amount is supplemented with money and withdrawn deposit on object by the information that is additionally operable to withdraw deposit according to.
It is preferred that, transaction modules 16 also include：7th receiving module, the 4th sending module, the 8th receiving module and withhold
Module；
7th receiving module, request is paid for receiving；
4th sending module, for paying the corresponding payment response information of request transmission according to described；
8th receiving module, for receiving payment information corresponding with the payment response information, the disbursement letter
Breath includes the means of payment and payment；
The module of withholing, for selecting the corresponding means of payment according to the payment information and carrying out operation of withholing.
The method in system and previous embodiment in the present embodiment be based on two aspects under same inventive concept,
Above method implementation process is described in detail, thus those skilled in the art can according to it is described above clearly
The structure and implementation process of the system in the present embodiment are solved, it is succinct for specification, just repeat no more herein.
For convenience of description, it is divided into various modules during description system above with function to describe respectively.Certainly, this is being implemented
The function of each module can be realized in same or multiple softwares and/or hardware during invention.
As seen through the above description of the embodiments, those skilled in the art can be understood that the present invention can
Realized by the mode of software plus required general hardware platform.Understood based on such, technical scheme essence
On the part that is contributed in other words to prior art can be embodied in the form of software product, the computer software product
It can be stored in storage medium, such as ROM/RAM, magnetic disc, CD, including some instructions are to cause a computer equipment
(can be personal computer, server, or network equipment etc.) performs some of each of the invention embodiment or embodiment
Method described in part.
Method for secure transactions provided in an embodiment of the present invention and system are paid the bill by binding, multiple-authentication, management third party
The modes such as information, realize vdiverse in function, convenient management and can ensure the function of account number safety.
It will be apparent to those skilled in the art that technical scheme that can be as described above and design, make other various
It is corresponding to change and deformation, and all these change and deformation should all belong to the protection domain of the claims in the present invention
Within.
Claims (10)
1. method for secure transactions, it is characterised in that including：
Card request is tied up in reception；
Transmission is asked to tie up card response message according to the card of tying up；
Receive and tie up that card response message is corresponding to tie up card information with described；
Card information is tied up described in checking；
If being verified, the corresponding account of card information will be tied up and be tied to client；
It is traded by the client.
2. method for secure transactions according to claim 1, it is characterised in that tying up card information described in the checking includes：
Small amount charging request is sent to the corresponding account of card information of tying up；
If the client, which is received, supplements response with money, it is verified.
3. method for secure transactions according to claim 1, it is characterised in that described that bag is traded by the client
Include：
Receive third party's payment request；
The corresponding Payment Amount of third party's payment request is supplemented with money in user's bank account.
4. method for secure transactions according to claim 3, it is characterised in that described to be traded also by the client
Including：
Reception is withdrawn deposit request；
Corresponding response message of withdrawing deposit is sent according to the request of withdrawing deposit；
Information of withdrawing deposit corresponding with the response message of withdrawing deposit is received, the information of withdrawing deposit includes：Withdraw deposit object and gold of withdrawing deposit
Volume；
Corresponding Withdrawal Amount is supplemented with money according to the information of withdrawing deposit and withdrawn deposit on object.
5. method for secure transactions according to claim 3, it is characterised in that described to be traded also by the client
Including：
Receive and pay request；
The corresponding payment response information of request transmission is paid according to described；
Payment information corresponding with the payment response information is received, the payment information includes the means of payment and payment；
The corresponding means of payment is selected according to the payment information and operation of withholing is carried out.
6. affaris safety trade system, it is characterised in that including：First receiving module, the first sending module, the second receiving module, test
Demonstrate,prove module, binding module and transaction modules；
First receiving module, card request is tied up for receiving；
First sending module, card response message is tied up for tying up card request transmission according to；
Second receiving module, ties up that card response message is corresponding to tie up card information for receiving with described；
The authentication module, described card information is tied up for verifying；
The binding module, if for being verified, the corresponding account of card information will be tied up and be tied to client；
The transaction modules, for being traded by the client.
7. affaris safety trade system according to claim 6, it is characterised in that the authentication module includes：Second sends mould
Block and the 3rd receiving module；
Second sending module, for sending small amount charging request to the corresponding account of card information of tying up；
3rd receiving module, supplements response with money if being received for the client, is verified.
8. affaris safety trade system according to claim 6, it is characterised in that the transaction modules include：4th receives mould
Block and supplement module with money；
4th receiving module, for receiving third party's payment request；
It is described to supplement module with money, for the corresponding Payment Amount of third party's payment request to be supplemented with money in user's bank account.
9. affaris safety trade system according to claim 8, it is characterised in that the transaction modules also include：5th receives
Module, the 3rd sending module and the 6th receiving module.
5th receiving module, for receiving request of withdrawing deposit；
3rd sending module, corresponding response message of withdrawing deposit is sent for request of being withdrawn deposit according to；
6th receiving module, for receiving information of withdrawing deposit corresponding with the response message of withdrawing deposit, the packet of withdrawing deposit
Include：Withdraw deposit object and Withdrawal Amount；
Described to supplement module with money, corresponding Withdrawal Amount is supplemented with money and withdrawn deposit on object by the information that is additionally operable to withdraw deposit according to.
10. affaris safety trade system according to claim 8, it is characterised in that the transaction modules also include：7th receives
Module, the 4th sending module, the 8th receiving module and module of withholing；
7th receiving module, request is paid for receiving；
4th sending module, for paying the corresponding payment response information of request transmission according to described；
8th receiving module, for receiving payment information corresponding with the payment response information, the payment information bag
Include the means of payment and payment；
The module of withholing, for selecting the corresponding means of payment according to the payment information and carrying out operation of withholing.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710229872.9A CN107146076A (en) | 2017-04-10 | 2017-04-10 | Method for secure transactions and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710229872.9A CN107146076A (en) | 2017-04-10 | 2017-04-10 | Method for secure transactions and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107146076A true CN107146076A (en) | 2017-09-08 |
Family
ID=59775294
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710229872.9A Pending CN107146076A (en) | 2017-04-10 | 2017-04-10 | Method for secure transactions and system |
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| CN (1) | CN107146076A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107886320A (en) * | 2017-10-13 | 2018-04-06 | 上海连尚网络科技有限公司 | It is a kind of to handle the method, equipment and computer-readable storage medium for tying up card |
| CN109842605A (en) * | 2017-11-29 | 2019-06-04 | 华为技术有限公司 | Tie up chucking method and terminal |
| WO2019105296A1 (en) * | 2017-11-29 | 2019-06-06 | 华为技术有限公司 | Card linking method and terminal |
| WO2019144807A1 (en) * | 2018-01-23 | 2019-08-01 | 阿里巴巴集团控股有限公司 | Payment card binding method, trust evaluation method, apparatus, and electronic device |
| CN113743923A (en) * | 2021-09-08 | 2021-12-03 | 北京快来文化传播集团有限公司 | Merchant cash withdrawal method based on e-commerce platform |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107886320A (en) * | 2017-10-13 | 2018-04-06 | 上海连尚网络科技有限公司 | It is a kind of to handle the method, equipment and computer-readable storage medium for tying up card |
| CN109842605A (en) * | 2017-11-29 | 2019-06-04 | 华为技术有限公司 | Tie up chucking method and terminal |
| WO2019105296A1 (en) * | 2017-11-29 | 2019-06-06 | 华为技术有限公司 | Card linking method and terminal |
| WO2019144807A1 (en) * | 2018-01-23 | 2019-08-01 | 阿里巴巴集团控股有限公司 | Payment card binding method, trust evaluation method, apparatus, and electronic device |
| TWI703520B (en) * | 2018-01-23 | 2020-09-01 | 香港商阿里巴巴集團服務有限公司 | Payment card binding method, trust evaluation method, device and electronic equipment |
| US10902415B2 (en) | 2018-01-23 | 2021-01-26 | Advanced New Technologies Co., Ltd. | Payment card binding method, trust evaluation method, apparatus, and electronic device |
| CN113743923A (en) * | 2021-09-08 | 2021-12-03 | 北京快来文化传播集团有限公司 | Merchant cash withdrawal method based on e-commerce platform |
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Application publication date: 20170908 |
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