CN108269093A - A kind of safety payment system - Google Patents
A kind of safety payment system Download PDFInfo
- Publication number
- CN108269093A CN108269093A CN201611260863.8A CN201611260863A CN108269093A CN 108269093 A CN108269093 A CN 108269093A CN 201611260863 A CN201611260863 A CN 201611260863A CN 108269093 A CN108269093 A CN 108269093A
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- Prior art keywords
- information
- server
- internet
- safety detection
- client terminal
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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
- G06Q20/02—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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/40—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
- G06Q20/401—Transaction verification
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of safety payment systems, including merchant server, client terminal, bank server and safety detection server, the bank server, merchant server and client terminal are all connected to internet, and bank server is also connected with safety detection server；The client terminal is mobile phone；Client terminal includes：Order request output interface is connect with the internet, for exporting the order request information for including client terminal IP address.The present invention by safety detection server between bank server and store or Third-party payment platform to the cross validation of client terminal information, banker's payment transaction is made sequence information link to be submitted to form closed-loop system with shopping online, it ensure that shopping, from same client, improves the safety of the online transaction based on Web bank with payment request.
Description
Technical field
The present invention relates to a kind of payment system, specifically a kind of safety payment system.
Background technology
In the prior art, the basic procedure of B2C Third-party payments transaction is used by Web bank：The first step is bought
Family's free choice of goods in store；After second step, buyer have chosen commodity, to store or Third-party payment platform submit order and
Payment request；Bank's page is paid the bill on the net by third step, store or Third-party payment platform guiding buyer；4th step is bought
After family's successful payment, bank notice store or Third-party payment platform payment result, and delivered by store to buyer.It is described below
A kind of existing payment flow：Before B2C transaction is carried out, corresponding B2C payment interfaces are supplied to store or third by bank
Square payment platform.For buyer in the store free choice of goods, store or Third-party payment platform are by verifying the user name of buyer, logging in
Validation of information buyer's identity such as password, and generate order；Buyer is clicked by the network terminal comprising Transaction Identification Number, goods number, branch
The order page for paying the information such as the amount of money, store signature submits payment request to bank；Bank passes through account, password code, U Key
The software and hardwares such as certificate mechanism carries out authentication to buyer, and order authenticity is authenticated；Treat buyer's successful payment, bank
Payment information is sent to store or Third-party payment platform；Until buyer receives commodity, entire closing the transaction.
There are following drawbacks for more than B2C Third-party payments transaction flow：Although bank can detect the identity data of buyer,
The order data of store or Third-party payment platform can be detected, but the relation data of buyer and commodity can not be detected.
Invention content
The purpose of the present invention is to provide a kind of safety payment system, to solve the problems mentioned in the above background technology.
To achieve the above object, the present invention provides following technical solution：
A kind of safety payment system, including merchant server, client terminal, bank server and safety detection server,
The bank server, merchant server and client terminal are all connected to internet, and bank server is also connected with safety detection clothes
Business device；The client terminal is mobile phone；Client terminal includes：Order request output interface connect with the internet, is used for
Output includes the order request information of client terminal IP address；Sequence information input interface connect with the internet, is used for
Receive sequence information；Payment request output interface is connect with the internet, for export comprising client terminal IP address,
The online payment solicited message of bank's card number and sequence information；Prompt message input interface connect with the internet, is used for
Receive prompt message；The merchant server includes：Order request input interface is connect with the internet, for connecing
Receive order request information；Sequence information output interface is connect with the internet, is compiled for exporting comprising order number, commodity
Number and payment amount sequence information；Transaction Information output interface is connect with the internet, whole comprising client for exporting
Hold the online trading information of IP address, trade company ID, order number, goods number, payment amount and trade company's signature；Prompt message inputs
Interface is connect with the internet, for receiving prompt message；The bank server includes：Transaction Information input connects
Mouthful, it is connect with the internet, for receiving online trading information；Safety detection information output interface, with the safety
Detection service device connects, for exporting the safety detection information comprising online payment solicited message and online trading information；Detection
Information result input interface is connect with the safety detection server, for receiving safety detection result information；Prompt message
Output interface is connect with the internet, for exporting transaction risk prompt message or transaction successful information；The safety
Detection service device includes：Safety detection information input interface is connect with the bank server, for receiving safety detection letter
Breath.
As further embodiment of the present invention：The safety detection server further includes：Data format detection unit, with
The safety detection information input interface is connected, and for obtaining the data format of the online payment solicited message, will obtain
The data format taken is detected with the data format to prestore.
As further scheme of the invention：The safety detection server further includes：Trade company's ID detection units, with
The data format detection unit is connected, for obtaining the trade company ID in the online trading information, by the trade company of acquisition
ID is detected with the trade company ID to prestore.
Compared with prior art, the beneficial effects of the invention are as follows：The present invention is by safety detection server to bank service
To the cross validation of client terminal information between device and store or Third-party payment platform, make banker's payment transaction and shopping online
Sequence information link is submitted to form closed-loop system, ensure that shopping, from same client, is improved based on online with payment request
The safety of the online transaction of bank.
Description of the drawings
Fig. 1 is the structure diagram of safety payment system.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work
Embodiment shall fall within the protection scope of the present invention.
Referring to Fig. 1, in the embodiment of the present invention, a kind of safety payment system, including merchant server, client terminal, silver
Row server and safety detection server, the bank server, merchant server and client terminal are all connected to internet, silver
Row server is also connected with safety detection server；The client terminal is mobile phone；Client terminal includes：Order request output connects
Mouthful, it is connect with the internet, for exporting the order request information for including client terminal IP address；Sequence information input connects
Mouthful, it is connect with the internet, for receiving sequence information；Payment request output interface is connect with the internet, is used
The online payment solicited message of client terminal IP address, bank's card number and sequence information is included in output；Prompt message input connects
Mouthful, it is connect with the internet, for receiving prompt message；The merchant server includes：Order request input interface,
It is connect with the internet, for receiving order request information；Sequence information output interface is connect with the internet,
For exporting the sequence information for including order number, goods number and payment amount；Transaction Information output interface, with the interconnection
Net connection, for exporting comprising client terminal IP address, trade company ID, order number, goods number, payment amount and trade company's signature
Online trading information；Prompt message input interface is connect with the internet, for receiving prompt message；The bank
Server includes：Transaction Information input interface is connect with the internet, for receiving online trading information；Safety detection
Information output interface is connect with the safety detection server, for exporting comprising online payment solicited message and online friendship
The safety detection information of easy information；Detection information result input interface is connect with the safety detection server, for receiving
Safety detection result information；Prompt message output interface is connect with the internet, for exporting transaction risk prompt message
Or transaction successful information；The safety detection server includes：Safety detection information input interface, with the bank service
Device connects, for receiving safety detection information.The safety detection server further includes：Data format detection unit, with institute
The safety detection information input interface stated is connected, and for obtaining the data format of the online payment solicited message, will obtain
Data format be detected with the data format to prestore.The safety detection server further includes：Trade company's ID detection units,
It is connected with the data format detection unit, for obtaining the trade company ID in the online trading information, by the quotient of acquisition
Family ID is detected with the trade company ID to prestore.
It is obvious to a person skilled in the art that the present invention is not limited to the details of above-mentioned exemplary embodiment, Er Qie
In the case of without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Profit requirement rather than above description limit, it is intended that all by what is fallen within the meaning and scope of the equivalent requirements of the claims
Variation is included within the present invention.Any reference numeral in claim should not be considered as to the involved claim of limitation.
In addition, it should be understood that although this specification is described in terms of embodiments, but not each embodiment is only wrapped
Containing an independent technical solution, this description of the specification is merely for the sake of clarity, and those skilled in the art should
It considers the specification as a whole, the technical solutions in each embodiment can also be properly combined, forms those skilled in the art
The other embodiment being appreciated that.
Claims (3)
1. a kind of safety payment system, including merchant server, client terminal, bank server and safety detection server,
It is characterized in that, the bank server, merchant server and client terminal are all connected to internet, and bank server is also connected with pacifying
Full inspection surveys server；The client terminal is mobile phone；Client terminal includes：Order request output interface, with the internet
Connection, for exporting the order request information for including client terminal IP address；Sequence information input interface, with the internet
Connection, for receiving sequence information；Payment request output interface is connect with the internet, whole comprising client for exporting
Hold the online payment solicited message of IP address, bank's card number and sequence information；Prompt message input interface, with the internet
Connection, for receiving prompt message；The merchant server includes：Order request input interface connects with the internet
It connects, for receiving order request information；Sequence information output interface is connect with the internet, for exporting comprising order
Number, the sequence information of goods number and payment amount；Transaction Information output interface is connect with the internet, for exporting
Include the online trading information of client terminal IP address, trade company ID, order number, goods number, payment amount and trade company signature；It carries
Show information input interface, connect with the internet, for receiving prompt message；The bank server includes：Transaction
Information input interface is connect with the internet, for receiving online trading information；Safety detection information output interface, with
The safety detection server connection, for exporting the safety detection comprising online payment solicited message and online trading information
Information；Detection information result input interface is connect with the safety detection server, for receiving safety detection result letter
Breath；Prompt message output interface is connect with the internet, is successfully believed for exporting transaction risk prompt message or merchandising
Breath；The safety detection server includes：Safety detection information input interface connect with the bank server, is used for
Receive safety detection information.
2. safety payment system according to claim 1, which is characterized in that the safety detection server further includes：
Data format detection unit is connected with the safety detection information input interface, for obtaining the online payment request
The data format of acquisition is detected by the data format of information with the data format to prestore.
3. safety payment system according to claim 1, which is characterized in that the safety detection server further includes：
Trade company's ID detection units are connected with the data format detection unit, for obtaining the quotient in the online trading information
The trade company ID of acquisition is detected by family ID with the trade company ID to prestore.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611260863.8A CN108269093A (en) | 2016-12-30 | 2016-12-30 | A kind of safety payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611260863.8A CN108269093A (en) | 2016-12-30 | 2016-12-30 | A kind of safety payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108269093A true CN108269093A (en) | 2018-07-10 |
Family
ID=62753831
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611260863.8A Pending CN108269093A (en) | 2016-12-30 | 2016-12-30 | A kind of safety payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108269093A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110245941A (en) * | 2019-04-25 | 2019-09-17 | 阿里巴巴集团控股有限公司 | A kind of transaction risk recognition methods and device |
-
2016
- 2016-12-30 CN CN201611260863.8A patent/CN108269093A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110245941A (en) * | 2019-04-25 | 2019-09-17 | 阿里巴巴集团控股有限公司 | A kind of transaction risk recognition methods and device |
| CN110245941B (en) * | 2019-04-25 | 2023-06-30 | 创新先进技术有限公司 | Transaction risk identification method and device |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20180710 |