CN102034178A - Cross-mechanism online payment method, system and device - Google Patents
Cross-mechanism online payment method, system and device Download PDFInfo
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Abstract
The invention discloses a cross-mechanism online payment method, system and device. The method comprises the following steps of: obtaining the Session ID of an online trade system, wherein the Session ID is carried when the online trade system is accessed and operated; logging in the online trade system where users need to carry out cross-mechanism online payment according to the Session ID; obtaining the identity safety authentication information of the users, and carrying out the identity safety authentication on the users through the identity safety authentication information; and carrying out the cross-mechanism online payment between the online trade systems after the users pass the identity safety authentication, and displaying the account information of the users. By using the invention, cross-mechanism online payment businesses are accomplished without establishing cooperation relationship between the mechanisms.
Description
Technical field
The present invention relates to networking technology area, particularly relate to a kind of mthods, systems and devices of striding mechanism's online payment.
Background technology
Development along with Internet technology, online transaction is universal day by day, a lot of online transaction systems have appearred on the internet, especially field develop rapidlys such as Web bank, Internet securities, online fund, shopping online, the user just can experience the home-confined bank transfer of carrying out by the login online transaction system, purchasing securities and fund, and the enjoyment of doing shopping on the net, the live and work demand that has great convenience for the user.
At present, each online transaction system, particularly the payment system of bank is disperseed relatively, the user can't integrate payment function at front end, when the user has opened a plurality of online transaction systems, the online Private Banking of how tame bank for example, the Alipay that is used for shopping online, the user carries out the fund or the security online transaction system of fund and portfolio management, in the time of need in the online transaction system of being opened, realizing striding mechanism's payment transaction, need land the client of different online transaction systems respectively, the corresponding login of input information needed is operated at different online transaction system platforms.
In order to realize the integration of a plurality of online transaction systems, make the enterprising line operate of the unified platform of user after integration, system of Unionpay, the People's Bank and some third-party payment systems have appearred, but because technical restriction, these third party's payment systems can only be integrated by the mode of back-end system butt joint, and manipulating of user experiences relatively poor.
In realizing process of the present invention, the inventor finds prior art, and there are the following problems at least:
The user when striding mechanism's payment transaction by existing third party's payment system, need reach an agreement between each mechanism's payment system, it is very very long to obtain such seeervice cycle like this for the final user, and this mode has also caused the increase of payment cost simultaneously.
Summary of the invention
The invention provides a kind of method, system and equipment of striding mechanism's online payment, be used to be implemented in without any need for mechanism and set up under the situation of cooperative relationship, can finish the mechanism's online payment business of striding.
The invention provides a kind of method of striding mechanism's online payment, comprising:
Obtain the Session ID of online transaction system, described Session ID carries when online transaction system being conducted interviews and operate;
Stride the online transaction system of mechanism's online payment according to described Session ID login user needs;
Obtain user's identification safety authentication information, utilize described identification safety authentication information that the user is carried out identification safety authentication;
, stride mechanism's online payment on the net between transaction system, and show described user's accounts information by behind the identification safety authentication the user.
Preferably, the described Session ID that obtains online transaction system comprises:
Obtain the Session ID of all described online transaction systems, described Session ID carries when online transaction system being conducted interviews and operate; Or
Obtain the Session ID that described user need stride the described online transaction system of mechanism's online payment, described Session ID carries when online transaction system being conducted interviews and operate.
Preferably, stride the online transaction system of mechanism's online payment, comprising according to described Session ID login user needs:
Session ID according to described online transaction system obtains the login information needed that described user's needs are striden the online transaction system of structure online payment; According to described login information needed, obtain and the corresponding log-on message of described login information needed; According to described log-on message, login the online transaction system that described user need stride mechanism's online payment.
Preferably, obtain user's identification safety authentication information, utilize described identification safety authentication information that the user is carried out identification safety authentication, comprising:
When the user initiates to stride mechanism's online payment business, obtain user's identification safety authentication information from described online transaction system, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate or digital signature; Or
When the user initiates to stride mechanism's online payment business, obtain the identification safety authentication information that leaves user in the local data base in, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate, USBKEY or digital signature.
Preferably, stride mechanism's online payment on the net between transaction system, and show described user's accounts information, comprising:
Need stride described user between the online transaction system of mechanism's online payment and stride mechanism's online payment, obtain the payment result information of striding mechanism's online payment on the individual subscriber page that response is returned according to described online transaction system, payment result information is returned to the user, and according to account balance, detailed transaction inventory and other relevant information of user's needs explicit user.
The present invention also provides a kind of system of online transaction, comprising:
Simulation online transaction equipment, be used for obtaining the Session ID of online transaction system according to user's transaction request, stride the online transaction system of mechanism's online payment according to described Session ID login user needs, when the user initiates to stride mechanism's online payment business, obtain user's identification safety authentication information, utilize described identification safety authentication information that the user is carried out identification safety authentication, after the user passes through identification safety authentication, stride mechanism's online payment on the net between transaction system, and show described user's accounts information;
Online transaction equipment is used for providing Session ID to described simulation online transaction equipment; Accept the visit and the operation of described simulation online transaction equipment.
The present invention also provides a kind of simulation online transaction equipment, comprising:
The session identification acquisition module is used to obtain the Session ID of online transaction system, and described Session ID carries when online transaction system being conducted interviews and operate;
The online transaction system login module is used for the described Session ID that obtains according to described session identification acquisition module, and login user need be striden the online transaction system of mechanism's online payment;
The identification safety authentication module, described online transaction system login module success login user is used for after need be striden the online transaction system of mechanism's online payment, obtain user's identification safety authentication information, utilize described identification safety authentication information that the user is carried out identification safety authentication;
Payment module after being used for described identification safety authentication module and finishing identification safety authentication to the user, is striden mechanism's online payment on the net, and is shown described user's accounts information between transaction system.
Preferably, described online transaction system login module specifically is used for:
The Session ID of all described online transaction systems of obtaining according to described session identification acquisition module, or described user obtains the login information needed that described user's needs are striden the online transaction system of structure online payment according to described Session ID need stride the Session ID of described online transaction system of mechanism's online payment the time; According to described login information needed, obtain and the corresponding log-on message of described login information needed; According to described log-on message, login the online transaction system that described user need stride mechanism's online payment.
Preferably, described identification safety authentication module specifically is used for:
When the user initiates to stride mechanism's online payment business, obtain user's identification safety authentication information from described online transaction system, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate or digital signature; Or
When the user initiates to stride mechanism's online payment business, obtain the identification safety authentication information that leaves user in the local data base in, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate, USBKEY or digital signature.
Preferably, described payment module specifically is used for:
Need stride described user between the online transaction system of mechanism's online payment and stride mechanism's online payment, obtain the payment result information of striding mechanism's online payment on the individual subscriber page that response is returned according to described online transaction system, payment result information is returned to the user, and according to account balance, detailed transaction inventory and other relevant information of user's needs explicit user.。
The application of the invention, in the simulation online transaction system, from a plurality of online transaction systems, obtain corresponding Session ID, need stride a plurality of online transaction systems of mechanism's payment logins the user, when the user initiates to stride mechanism's online payment business, from corresponding online transaction system or local data base, obtain the information that is used for the user identity safety certification, the user is carried out identification safety authentication, only realize striding mechanism's online payment business in the simulation online transaction system the user who obtains identification safety authentication.
Description of drawings
A kind of method of striding mechanism's online payment that Fig. 1 provides for the embodiment of the invention one;
A kind of method of striding mechanism's online payment that Fig. 2 provides for the embodiment of the invention two;
A kind of method of striding mechanism's online payment that Fig. 3 provides for the embodiment of the invention three;
Fig. 4 is the system framework figure of a kind of online transaction provided by the invention;
Fig. 5 is a kind of simulation online transaction equipment structure chart provided by the invention.
Embodiment
Core concept of the present invention is: by the Session ID that obtains online transaction system online transaction system is logined; Obtain user's identification safety authentication information afterwards and the user is carried out identification safety authentication; By behind the identification safety authentication, stride mechanism's online payment the user on the net between transaction system, and the accounts information of explicit user.
Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that is obtained under the creative work prerequisite.
A kind of method of striding mechanism's online payment that the embodiment of the invention one provides as shown in Figure 1, specifically may further comprise the steps:
The embodiment of the invention two has proposed a kind of method of striding mechanism's online payment, wherein, when the user initiated to stride mechanism's online payment business, transaction system was obtained user's identification safety authentication information from network, utilizes identification safety authentication information that the user is carried out identification safety authentication.As shown in Figure 2, may further comprise the steps:
The simulation online transaction system can be integrated all online transaction systems that the user opened, when the user need inquire about the number of the account of the different online transaction systems opened, management service, and when striding mechanism's payment transaction, User login simulation online transaction system.By simulation online transaction system platform, the user can obtain the relevant information to a plurality of online transaction systems of having opened, has avoided the user to remember the network address of different online transaction systems, is convenient to user's operation, improves user's use experience.
For example, the user opens the individual Web bank account of Construction Bank simultaneously, the individual Web bank account of agricultural bank, and the Alipay account that is used for shopping online, when the user need carry out transferred account service between Construction Bank and agricultural bank's account, or passing through Construction Bank/agricultural bank's account when the Alipay account is paid the bill, the user can login the simulation online transaction system and conclude the business.
The log-on message of transaction system on user's Input simulation network, the simulation online transaction system is carried out safety verification to the log-on message of user's input, after the user passes through safety verification, the page of simulation online transaction system after the user returns login, login page after returning is the selection interface of all online transaction systems, and should select the page to support the final election function of user to a plurality of online transaction systems.Be that the user can select a plurality of online transaction systems opened according to service needed, in the simulation online transaction system, realize the operation of a plurality of online transaction systems that the user has been opened.
The simulation online transaction system is in the face of all users, so on the selection page of simulation online transaction system, contained all online transaction systems substantially, to satisfy the business demand of different user, but for the sole user, only need in the online transaction system of having opened, to select to carry out the online transaction system of business operation, in the time of need between the Construction Bank that has opened and agricultural bank's account, carrying out transferred account service as the user, in the simulation online transaction system, select China Construction Bank's bank system of web and Agricutural Bank of China's bank system of web; Need in agricultural bank's account of having opened when the Alipay account is paid the bill, in the simulation online transaction system, select Agricutural Bank of China's bank system of web and Alipay online transaction system the user.
In the present embodiment, to stride mechanism's payment to Alipay be that example describes to China Construction Bank's online transaction system of selecting to have opened with the user.
After user's needs that selection has been opened in the simulation online transaction system are striden the online transaction system of structure online payment business operation, the simulation online transaction system links with user-selected online transaction system, obtain the Session ID that carries out data transmission with corresponding online transaction system, this Session ID carries when online transaction system being conducted interviews and operate.
Each user-selected online transaction system all can be returned a Session ID, this Session ID is unique, the Session ID that different online transaction systems is sent, or the Session ID that identical online transaction system is sent in different sessions is different.This Session ID on the net transaction system and the simulation online transaction system between, each operation in this time session between simulation online transaction system and the user, corresponding Session ID is carried in the capital, is used for the user and obtains user's account data and carry out corresponding account operation in the online transaction system corresponding with Session ID.The different-format of this Session ID, different allocation strategies all belong to protection scope of the present invention.
For example, the user selects the online transaction system and the Alipay system of the Agricutural Bank of China, when the simulation online transaction system is initiated link, the online transaction system of agricultural bank and Alipay system send Session ID to the simulation online payment system respectively, are used for this conversation procedure and obtain the accounts information in the corresponding online transaction system and carry out corresponding account operation.
In the simulation online transaction system, repeatedly entering different online transaction systems for fear of the user logins respectively, reduce the complexity of login process, by obtaining the login information needed of user-selected online transaction system correspondence, the required log-on message of a plurality of online transaction systems is integrated, and feeding back to the user with user-defined form, the user only needs can finish the login process of a plurality of online transaction systems on the login page of the simulation online transaction system after the integration.According to corresponding SessionID, the simulation online transaction system is obtained the login information needed of user-selected online transaction system correspondence, and required log-on message is integrated, and Session ID carries when online transaction system being conducted interviews and operate
Because of the difference of each online transaction system login information needed, the user is in the simulation online transaction system, and user account name and password that input is corresponding sign in in the corresponding online transaction system.
For example: China Construction Bank's login information needed is user certificate number (I.D. etc.) and password, National Industrial and Commercial Bank of China's login information needed is user's account card number and password, and the required log-on message of Alipay is user's account name (Email address or phone number) and a password.
For example, in the simulation online transaction system, relevant position input user identity card number and login password in Construction Bank's login information needed dialog box sign in to Construction Bank's online transaction system; Phone number and the login password of relevant position input user in Alipay login information needed dialog box sign in to the Alipay system.
Finish the login of each online transaction system of user's selection by the simulation online transaction system, online transaction system is returned the individual subscriber page to the simulation online transaction system, this individual subscriber page is contained the various information in the corresponding online transaction system, the accounts information that comprises the user, the advertising message in the online transaction system, fix information etc.The simulation online transaction system is filtered the information on the individual subscriber page that returns, filter out garbage, obtain the key message of user account, the key message of user account is striden other information such as account inventory, account balance of mechanism payment for the user.
For example, comprise the individual subscriber accounts information in the individual subscriber page of China Construction Bank, detailed and current remaining sum also comprises the business information that this user can open or upgrade as bill, and other professional advertising messages of China Construction Bank etc.The information and the China Construction Bank at the individual subscriber interface of the National Industrial and Commercial Bank of China are similar, but some of them business information and advertising message are the business information and the advertising message of the National Industrial and Commercial Bank of China.Comprise the individual subscriber accounts information in the individual subscriber page in the Alipay, the detailed and current remaining sum as bill comprises also that this user has subscribed but outstanding Item Information, the Item Information that the user browsed, and some shops and the merchandise news of Taobao.The simulation online transaction system filters out garbages such as the information of some advertisement character and user-dependent additional information, and extracts user's key message, and detailed and current remaining sum makes things convenient for the user to carry out the operation of operational line as bill.
When the user successfully lands selected online transaction system and strides mechanism's online payment business operation, in order to guarantee the security of user account information and fund, online transaction system is carried out senior verification process to user's identity, to improve the level of security of operational line operation.To user's safety certification process difference respective change because of online transaction system, what adopt as the online transaction system of each big bank is Web bank's certificate safety certification, USB KEY authentication, what be used for that the Alipay of shopping online adopts is the digital signature safety certification, can also adopt legal safe mobile phone number to the user to send identifying code and verify, or the like other safety certification forms.
In the present embodiment, when carrying out the related service operation by the simulation online transaction system, trigger each online transaction system user identity is carried out safety certification, from each online transaction system, obtain corresponding the Web bank's certificate or the digital signature that are used for safety certification, the user must just allow to stride the operation of mechanism's online payment business between corresponding a plurality of online transaction systems behind the safety identification authentication by selected a plurality of online transaction systems.
For example, the user strides mechanism when payment by China Construction Bank's online transaction system to Alipay, after the user successfully lands Construction Bank's online transaction system and Alipay by the simulation online transaction system, trigger Construction Bank's online transaction system and Alipay safety verification to user identity.Obtain the Web bank's certificate that is used for safety certification from Construction Bank's online transaction system, obtain the digital signature that is used for safety certification from Alipay, after the authentication of user by this Web bank's certificate and digital certificate, just can initiate corresponding business, otherwise the user can't obtain the qualification of striding mechanism's online payment business operation.
The user is by after the safety certification of online transaction system, and online transaction system assert that the user has obtained qualification and the level of security that carries out the operational line operation, and the user carries out in the simulation online transaction system striding mechanism's payment transaction between a plurality of online transaction systems.
For example, the user strides mechanism's payment by China Construction Bank's online transaction system to Alipay, login Construction Bank's online transaction system and Alipay in the simulation online transaction system, and by behind Construction Bank's online transaction system and the Alipay, carry out and stride mechanism's payment transaction.
Current remaining sum and the bill detail of user in China Construction Bank's account is as shown in table 1, and current remaining sum and the bill detail of user on Alipay is as shown in table 2.
Table 1 China Construction Bank individual subscriber key message
Table 2 Alipay individual subscriber key message
The user is in the simulation online transaction system, pay the article of on Alipay, choosing (Olympic mascot) by Construction Bank's online transaction system, the user select from Construction Bank's online transaction system to Alipay produce the amount of money be 1000 yuan whole, after confirming to submit to, finish and stride mechanism's payment transaction operation.
After step 210, user finish and stride mechanism's payment transaction, on the individual subscriber page that the response of each online transaction system is returned, obtain and stride mechanism's payment result information, and will stride mechanism's payment result information and return to the simulation online transaction system.
After the user finishes in the simulation online transaction system and strides mechanism's payment transaction, return and stride mechanism's payment result information, as shown in table 3 for the user finishes current remaining sum and the bill detail of striding in payment back China Construction Bank of the mechanism account, as shown in table 4 for finish stride mechanism's payment after current remaining sum and the bill detail of user on Alipay.As can be seen, this is striden mechanism's payment transaction and completes successfully, and user's Alipay account successfully receives the payment from user Construction Bank account.
Table 3 is striden payment back China Construction Bank of mechanism individual subscriber key message finishing
Table 4 is striden mechanism's payment back Alipay individual subscriber key message finishing
The demonstration of user's account key message is set according to user's needs, can on the corresponding online transaction system of simulation online transaction system, show concrete bill detail, current remaining sum and other accounts informations, or only show bill detail, current remaining sum and other information frame that floats, when the user clicks the bill detail, show concrete subscriber's account detail.Concrete which kind of mode that adopts shows and all belongs to protection scope of the present invention striding user account information after mechanism's online transaction.
The method that the application of the invention improves, in the simulation online transaction system, from a plurality of online transaction systems, obtain corresponding Session ID, need stride a plurality of online transaction systems of mechanism's payment logins the user, when the user initiates to stride mechanism's online payment business, by from a plurality of online transaction systems, obtaining the information that is used for the user identity safety certification, the user is carried out safety identification authentication, behind identification safety authentication by a plurality of online transaction systems, the user obtains to stride the qualification of mechanism's online transaction, increased the safe class that the user strides mechanism's online payment.
Need to prove, in embodiments of the present invention, the user successfully logins a plurality of online transaction systems by the simulation online transaction system, when the user initiates to stride mechanism's payment transaction, online transaction system need be carried out identification safety authentication to the user, when having only the user, allow in the simulation online transaction system, to stride mechanism's payment transaction by selected a plurality of online transaction system.Online transaction system is carried out the process of identification safety authentication to the user, can be when the user initiates to stride mechanism's payment transaction, from each online transaction system, download Web bank's certificate or digital signature in real time, ensure the internet safe authentication information after the user obtains upgrading; Perhaps; Web bank's certificate of all online transaction systems that the user has been opened or digital signature are downloaded in advance; and be kept in the local database; when the user initiates to stride mechanism's payment transaction and need carry out authentication; from local data base, transfer corresponding online transaction system and carry out the Web bank's certificate or the digital signature of safety certification, specifically adopt which kind of mode all to belong to protection scope of the present invention.
The embodiment of the invention three also provides a kind of method of striding mechanism's online payment, wherein, when the user initiates to stride mechanism's online payment business, obtain the identification safety authentication information that leaves user in the local data base in, utilize described identification safety authentication information that the user is carried out identification safety authentication.As shown in Figure 3, may further comprise the steps:
The simulation online transaction system can be integrated all online transaction systems that the user opened, when the user need inquire about the number of the account of the different online transaction systems opened, management service, and when transferring accounts, striding mechanism's payment transaction, User login simulation online transaction system.
After successfully landing the simulation online transaction system, in the simulation online transaction system, generate the page after landing, land the selection page of the back page for all online transaction systems, the user is according to the needs of striding mechanism's payment, and selection will be striden the online transaction system of mechanism's payment.
After user's needs that selection has been opened in the simulation online transaction system carry out the online transaction system of business operation, the simulation online transaction system links with user-selected online transaction system, obtain the Session ID that carries out data transmission with corresponding online transaction system, and each number of the account can only be obtained an effective Session ID.
When the user selects a plurality of online transaction system, obtain Session ID accordingly corresponding to each online transaction system, Session ID is carried at the simulation online transaction system, in each step of online transaction system and user's operation, the user's operation and the data of only carrying Session ID are that safety is legal, avoided the interior at one time repeat logon of same number of the account, virus or the wooden horse of Session ID have also been avoided not carrying, or carry the virus of invalid Session ID or wooden horse to the invasion of user account, improve user account and in the simulation online transaction system, striden mechanism's security of payment.
The Session ID that step 303, basis are obtained, the simulation online transaction system is obtained the login information needed of user-selected online transaction system correspondence, required log-on message is integrated, and fed back to the user.
Session ID carries when online transaction system being conducted interviews and operate, this Session ID on the net transaction system and the simulation online transaction system between, each operation in this time session between simulation online transaction system and the user, corresponding Session ID is carried in the capital, is used for the user and obtains user's account data and carry out corresponding account operation in the online transaction system corresponding with Session ID.
For example: China Construction Bank's login information needed is user certificate number (I.D. etc.) and password, National Industrial and Commercial Bank of China's login information needed is user's account card number and password, and the required log-on message of Alipay is user's account name (Email address or phone number) and a password.
For example, in the simulation online transaction system, relevant position input user identity card number and login password in Construction Bank's login information needed dialog box sign in to Construction Bank's online transaction system; Phone number and the login password of relevant position input user in Alipay login information needed dialog box sign in to the Alipay system.
The user is when initiating to stride mechanism's payment transaction, and in order to guarantee the security of user account information and fund, corresponding online transaction system authenticates user's identity, to improve the level of security of operational line operation.Each banking institution or online payment mechanism adopt the form of Web bank's certificate or digital signature to the authentication of user identity, link by simulation online transaction system and each online transaction system, Web bank certificate or the digital signature of each online transaction system to authenticating user identification downloaded in the local data base of simulation online transaction system, when being carried out the identity safety verification, the user directly from local data base, transfers corresponding data, shortened when on carrying out the multimachine network forming, paying, the time that subscriber authentication information is obtained, and regular to the village slightly Web bank's certificate or the digital signature in local data base upgrade, guarantee to be used for the reliability and security of user identity safety certification, strengthen sense of experience of users and be subjected to.
For example, the user strides mechanism when payment by China Construction Bank's online transaction system to Alipay, after the user successfully lands Construction Bank's online transaction system and Alipay by the simulation online transaction system, from local data base, transfer Construction Bank's online transaction system and carry out Web bank's certificate of authentication, insert the precious USB KEY management of magnificent pansophy USB flash disk, the user is carried out authentication, from local data base, transfer Alipay carries out identification safety authentication to the user digital signature.By after the authentication of this Web bank's certificate, USB KEY password and digital certificate, just can initiate to stride mechanism's online payment business, otherwise the user can't obtain the qualification of striding mechanism's online payment business operation the user.
Behind the identification safety authentication of user, on simulation online transaction system platform, carry out striding mechanism's payment transaction between a plurality of online transaction systems by a plurality of online transaction systems.
After step 308, user finish and stride mechanism's payment transaction, on the individual subscriber page that each online transaction system response is returned, obtain and stride mechanism's payment result information, to stride mechanism's payment result information and return to the simulation online transaction system, and according to the accounts information of user's needs explicit user.
The method that the application of the invention provides, the user is when initiating to stride mechanism's online transaction business, from local data base, obtain the information that is used for the user identity safety certification, saved the time that when each initiation is professional, all needs to corresponding online transaction system is obtained secure authenticated information, by upgrading in time to the local security authentication information, guarantee user's identification safety authentication rank, guaranteed user's fund information security.
The system framework figure of a kind of online transaction provided by the invention as shown in Figure 4, comprising:
Simulation online transaction equipment 410, be used for obtaining the Session ID of online transaction system according to user's transaction request, stride the online transaction system of mechanism's online payment according to Session ID login user needs, when the user initiates to stride mechanism's online payment business, obtain user's identification safety authentication information, utilize identification safety authentication information that the user is carried out identification safety authentication, after the user passes through identification safety authentication, stride mechanism's online payment on the net between transaction system, and the accounts information of explicit user;
Concrete, the structure of the simulation online transaction equipment 410 in this system comprises as shown in Figure 5:
Session identification acquisition module 411 is used to obtain the Session ID of online transaction system, and Session ID carries when online transaction system being conducted interviews and operate;
Online transaction system login module 412 is used for the Session ID that obtains according to session identification acquisition module 411, and login user need be striden the online transaction system of mechanism's online payment;
Identification safety authentication module 413, transaction system login module 412 successful login user are used for after need be striden the online transaction system of mechanism's online payment on the net, obtain user's identification safety authentication information, utilize identification safety authentication information that the user is carried out identification safety authentication;
Wherein, online transaction system login module 412 specifically is used for:
The Session ID of all online transaction systems of obtaining according to session identification acquisition module 411, or the user obtains the login information needed that user's needs are striden the online transaction system of structure online payment according to described Session ID need stride the Session ID of online transaction system of mechanism's online payment the time; According to the login information needed, obtain the log-on message corresponding with logining information needed; According to log-on message, login user need be striden the online transaction system of mechanism's online payment.
Identification safety authentication module 413 specifically is used for:
When the user initiates to stride mechanism's online payment business, transaction system is obtained user's identification safety authentication information from network, utilize identification safety authentication information that the user is carried out identification safety authentication, the user identity secure authenticated information is Web bank's certificate or digital signature; Or
When the user initiates to stride mechanism's online payment business, obtain the identification safety authentication information that leaves user in the local data base in, utilize identification safety authentication information that the user is carried out identification safety authentication, the user identity secure authenticated information is Web bank's certificate, USBKEY or digital signature.
Need stride the user between the online transaction system of mechanism's online payment and stride mechanism's online payment, obtain the payment result information of striding mechanism's online payment on the individual subscriber page that response is returned according to online transaction system, payment result information is returned to the user, and according to account balance, detailed transaction inventory and other relevant information of user's needs explicit user.
System that the application of the invention provides and equipment, the user is when initiating to stride mechanism's online transaction business, from local data base, obtain the information that is used for the user identity safety certification, saved the time that when each initiation is professional, all needs to corresponding online transaction system is obtained secure authenticated information, by upgrading in time to the local security authentication information, guarantee user's identification safety authentication rank, guaranteed user's fund information security.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by the mode that software adds essential general hardware platform, can certainly pass through hardware, but the former is better embodiment under a lot of situation.Based on such understanding, the part that technical scheme of the present invention contributes to prior art in essence in other words can embody with the form of software product, this computer software product is stored in the storage medium, comprise that some instructions are with so that a station terminal equipment (can be mobile phone, personal computer, server, the perhaps network equipment etc.) carry out the described method of each embodiment of the present invention.
The above only is a preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be looked protection scope of the present invention.
Claims (10)
1. a method of striding mechanism's online payment is characterized in that, comprising:
Obtain the Session ID of online transaction system, described Session ID carries when online transaction system being conducted interviews and operate;
Stride the online transaction system of mechanism's online payment according to described Session ID login user needs;
Obtain user's identification safety authentication information, utilize described identification safety authentication information that the user is carried out identification safety authentication;
, stride mechanism's online payment on the net between transaction system, and show described user's accounts information by behind the identification safety authentication the user.
2. the method for claim 1 is characterized in that, the described Session ID that obtains online transaction system comprises:
Obtain the Session ID of all described online transaction systems, described Session ID carries when online transaction system being conducted interviews and operate; Or
Obtain the Session ID that described user need stride the described online transaction system of mechanism's online payment, described Session ID carries when online transaction system being conducted interviews and operate.
3. the method for claim 1 is characterized in that, strides the online transaction system of mechanism's online payment according to described Session ID login user needs, comprising:
Session ID according to described online transaction system obtains the login information needed that described user's needs are striden the online transaction system of structure online payment; According to described login information needed, obtain and the corresponding log-on message of described login information needed; According to described log-on message, login the online transaction system that described user need stride mechanism's online payment.
4. the method for claim 1 is characterized in that, obtains user's identification safety authentication information, utilizes described identification safety authentication information that the user is carried out identification safety authentication, comprising:
When the user initiates to stride mechanism's online payment business, obtain user's identification safety authentication information from described online transaction system, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate or digital signature; Or
When the user initiates to stride mechanism's online payment business, obtain the identification safety authentication information that leaves user in the local data base in, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate, USBKEY or digital signature.
5. the method for claim 1 is characterized in that, strides mechanism's online payment on the net between transaction system, and shows described user's accounts information, comprising:
Need stride described user between the online transaction system of mechanism's online payment and stride mechanism's online payment, obtain the payment result information of striding mechanism's online payment on the individual subscriber page that response is returned according to described online transaction system, payment result information is returned to the user, and according to account balance, detailed transaction inventory and other relevant information of user's needs explicit user.
6. the system of an online transaction is characterized in that, comprising:
Simulation online transaction equipment, be used for obtaining the Session ID of online transaction system according to user's transaction request, stride the online transaction system of mechanism's online payment according to described Session ID login user needs, when the user initiates to stride mechanism's online payment business, obtain user's identification safety authentication information, utilize described identification safety authentication information that the user is carried out identification safety authentication, after the user passes through identification safety authentication, stride mechanism's online payment on the net between transaction system, and show described user's accounts information;
Online transaction equipment is used for providing Session ID to described simulation online transaction equipment; Accept the visit and the operation of described simulation online transaction equipment.
7. a simulation online transaction equipment is characterized in that, comprising:
The session identification acquisition module is used to obtain the Session ID of online transaction system, and described Session ID carries when online transaction system being conducted interviews and operate;
The online transaction system login module is used for the described Session ID that obtains according to described session identification acquisition module, and login user need be striden the online transaction system of mechanism's online payment;
The identification safety authentication module, described online transaction system login module success login user is used for after need be striden the online transaction system of mechanism's online payment, obtain user's identification safety authentication information, utilize described identification safety authentication information that the user is carried out identification safety authentication;
Payment module after being used for described identification safety authentication module and finishing identification safety authentication to the user, is striden mechanism's online payment on the net, and is shown described user's accounts information between transaction system.
8. equipment as claimed in claim 7 is characterized in that, described online transaction system login module specifically is used for:
The Session ID of all described online transaction systems of obtaining according to described session identification acquisition module, or described user obtains the login information needed that described user's needs are striden the online transaction system of structure online payment according to described Session ID need stride the Session ID of described online transaction system of mechanism's online payment the time; According to described login information needed, obtain and the corresponding log-on message of described login information needed; According to described log-on message, login the online transaction system that described user need stride mechanism's online payment.
9. equipment as claimed in claim 7 is characterized in that, described identification safety authentication module specifically is used for:
When the user initiates to stride mechanism's online payment business, obtain user's identification safety authentication information from described online transaction system, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate or digital signature; Or
When the user initiates to stride mechanism's online payment business, obtain the identification safety authentication information that leaves user in the local data base in, utilize described identification safety authentication information that the user is carried out identification safety authentication, described user identity secure authenticated information is Web bank's certificate, USBKEY or digital signature.
10. equipment as claimed in claim 7 is characterized in that, described payment module specifically is used for:
Need stride described user between the online transaction system of mechanism's online payment and stride mechanism's online payment, obtain the payment result information of striding mechanism's online payment on the individual subscriber page that response is returned according to described online transaction system, payment result information is returned to the user, and according to account balance, detailed transaction inventory and other relevant information of user's needs explicit user.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101774333A CN102034178A (en) | 2009-09-29 | 2009-09-29 | Cross-mechanism online payment method, system and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009101774333A CN102034178A (en) | 2009-09-29 | 2009-09-29 | Cross-mechanism online payment method, system and device |
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| CN102034178A true CN102034178A (en) | 2011-04-27 |
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| CN2009101774333A Pending CN102034178A (en) | 2009-09-29 | 2009-09-29 | Cross-mechanism online payment method, system and device |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102402742A (en) * | 2011-12-02 | 2012-04-04 | 苏州慧飞信息科技有限公司 | Charging system based on online banking |
| CN102510338A (en) * | 2011-12-31 | 2012-06-20 | 中国工商银行股份有限公司 | System, device and method for security certificate for multi-organization interconnection system |
| CN102693478A (en) * | 2012-05-02 | 2012-09-26 | 四川建设网有限责任公司 | Trading method of bid security during bidding procedure and system thereof |
| CN103218422A (en) * | 2013-04-01 | 2013-07-24 | 张士益 | Data searching method and device used in semi-sealed data environment |
| CN103546496A (en) * | 2012-07-10 | 2014-01-29 | 北京虎符科技有限公司 | Financial union cloud service platform |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102402742A (en) * | 2011-12-02 | 2012-04-04 | 苏州慧飞信息科技有限公司 | Charging system based on online banking |
| CN102510338A (en) * | 2011-12-31 | 2012-06-20 | 中国工商银行股份有限公司 | System, device and method for security certificate for multi-organization interconnection system |
| CN102693478A (en) * | 2012-05-02 | 2012-09-26 | 四川建设网有限责任公司 | Trading method of bid security during bidding procedure and system thereof |
| CN103546496A (en) * | 2012-07-10 | 2014-01-29 | 北京虎符科技有限公司 | Financial union cloud service platform |
| CN103218422A (en) * | 2013-04-01 | 2013-07-24 | 张士益 | Data searching method and device used in semi-sealed data environment |
| WO2014161454A1 (en) * | 2013-04-01 | 2014-10-09 | Zhang Shiyi | Data search method and device for semi-closed data environment |
| CN103218422B (en) * | 2013-04-01 | 2015-06-03 | 钱咸升（北京）网络科技有限公司 | Data searching method and device used in semi-sealed data environment |
| CN104866532A (en) * | 2013-04-01 | 2015-08-26 | 钱咸升（北京）网络科技有限公司 | Data search method and device for semi-closed data environment |
| CN104866533A (en) * | 2013-04-01 | 2015-08-26 | 钱咸升（北京）网络科技有限公司 | Data search method and device for semi-closed data environment |
| CN104866533B (en) * | 2013-04-01 | 2019-02-05 | 钱咸升（北京）网络科技有限公司 | A kind of method and apparatus for the data search under semiclosed data environment |
| CN104866532B (en) * | 2013-04-01 | 2019-08-23 | 钱咸升（北京）网络科技有限公司 | A kind of method and apparatus for the data search under semiclosed data environment |
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