CN102819918A - Payment system adopting multiple safety certificates - Google Patents

Payment system adopting multiple safety certificates Download PDF

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Publication number
CN102819918A
CN102819918A CN2012102461728A CN201210246172A CN102819918A CN 102819918 A CN102819918 A CN 102819918A CN 2012102461728 A CN2012102461728 A CN 2012102461728A CN 201210246172 A CN201210246172 A CN 201210246172A CN 102819918 A CN102819918 A CN 102819918A
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CN
China
Prior art keywords
payment
payment platform
module
mobile phone
platform
Prior art date
Application number
CN2012102461728A
Other languages
Chinese (zh)
Inventor
吴启成
Original Assignee
苏州市米想网络信息技术有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 苏州市米想网络信息技术有限公司 filed Critical 苏州市米想网络信息技术有限公司
Priority to CN2012102461728A priority Critical patent/CN102819918A/en
Publication of CN102819918A publication Critical patent/CN102819918A/en

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Abstract

The invention discloses a payment system adopting multiple safety certificates. The payment system comprises a payment platform; the payment platform is connected with a payment password certificate module, a mobile phone dynamic code certificate module and a short messaging service module; wherein the payment password is used for inputting a payment password and takes mutual verification with a payment password preset in the payment platform by a user; the mobile phone dynamic code certificate module is used for receiving mobile phone dynamic codes sent by the payment platform and takes mutual verification with the payment platform; and the short messaging service module is used for receiving messages sent by the payment platform. The beneficial effects are that the payment system adopting the multiple safety certificates is simple in structure and ingenious in design, effectively protects online transaction of clients by setting multiple safety certificate methods such as the payment password certificate module, the mobile phone dynamic code certificate module, the short messaging service module and the like, and the safety of the online transaction is greatly improved.

Description

A kind of payment system that adopts the maltilevel security authentication

Technical field

E-commerce field of the present invention specifically, specially refers to a kind of payment system that adopts the maltilevel security authentication.

Background technology

Online transaction mainly is the transaction of on the virtual environment of network, carrying out, similar and central shop, the demonstration world, and difference is to utilize the various means of ecommerce, reaches from having bought the virtual trading process of the process of selling.

Because the credit bottleneck in the clearing is the obstacle property problem in network trading (ecommerce) development process all the time; The both sides that participate in business, financial institution all should safeguard the safe, unobstructed and convenient of ecommerce, work out suitable " game rule " and have just become crucial consideration.This relates to cooperating of agreement and infrastructure between the each side, could the assurance fund and the transfer of commodity.

But common in the market security certification system means are more single mostly, and its protection effect is also desirable not to the utmost.

Summary of the invention

The object of the present invention is to provide a kind of payment system that adopts the maltilevel security authentication; Through the payment cipher authentication module is set; Multiple safety certification means such as mobile phone dynamic authentication module and SMS notification module have overcome the deficiency in the conventional art, thereby realize the object of the invention.

The technical matters that the present invention solved can adopt following technical scheme to realize:

A kind of payment system that adopts the maltilevel security authentication, it comprises a payment platform, said payment platform is connected with:

The payment cipher authentication module is used to import payment cipher, and verifies each other with the payment cipher that the user is provided with in payment platform in advance;

Mobile phone dynamic authentication module is used to receive the mobile phone dynamic that payment platform sends, and verifies each other with payment platform;

The SMS notification module is used to receive the notifying messages that payment platform sends.

In one embodiment of the invention, said payment platform is provided with mobile phone dynamic maker, setting module and SMS transmission module.

In one embodiment of the invention, said payment platform supports GPRS, Internet, Bluetooth wireless communication to communicate by letter with 3G.

Beneficial effect of the present invention is: simple in structure; Design ingenious, through multiple safety certification means such as payment cipher authentication module, mobile phone dynamic authentication module and SMS notification module are set; Effectively protect client's online transaction, improved the security of online transaction greatly.

Description of drawings

Fig. 1 is the structural representation of the payment system of employing maltilevel security of the present invention authentication.

Embodiment

For technological means, creation characteristic that the present invention is realized, reach purpose and effect and be easy to understand and understand, below in conjunction with embodiment, further set forth the present invention.

As shown in Figure 1, a kind of payment system that adopts the maltilevel security authentication of the present invention, it comprises a payment platform 100, and this payment platform is supported multiple payment arrangement, and the present invention does not do qualification at this, and said payment platform is connected with:

Payment cipher authentication module 200, first pipe protection as native system is used to import payment cipher, and verifies each other with the payment cipher that the user is provided with in payment platform in advance;

Mobile phone dynamic authentication module 300 as second pipe protection of native system, is used to receive the mobile phone dynamic that payment platform sends, and verifies each other with payment platform;

SMS notification module 400 is used to receive the notifying messages that payment platform sends, so that the client can obtain notice in the very first time of transaction.

In an embodiment of the present invention, in order to reach better effect, said payment platform is provided with mobile phone dynamic maker, setting module and SMS transmission module.

Especially it is pointed out that said payment platform supports GPRS, Internet, Bluetooth wireless communication to communicate by letter with 3G in order to increase the wide usage of native system.

The present invention is simple in structure, designs ingeniously, through multiple safety certification means such as payment cipher authentication module, mobile phone dynamic authentication module and SMS notification module are set, has effectively protected client's online transaction, has improved the security of online transaction greatly.

More than show and described ultimate principle of the present invention and principal character and advantage of the present invention.The technician of the industry should understand; The present invention is not restricted to the described embodiments; That describes in the foregoing description and the instructions just explains principle of the present invention; Under the prerequisite that does not break away from spirit and scope of the invention, the present invention also has various changes and modifications, and these variations and improvement all fall in the scope of the invention that requires protection.The present invention requires protection domain to be defined by appending claims and equivalent thereof.

Claims (3)

1. payment system that adopts the maltilevel security authentication, it comprises a payment platform, it is characterized in that, said payment platform is connected with:
The payment cipher authentication module is used to import payment cipher, and verifies each other with the payment cipher that the user is provided with in payment platform in advance;
Mobile phone dynamic authentication module is used to receive the mobile phone dynamic that payment platform sends, and verifies each other with payment platform;
The SMS notification module is used to receive the notifying messages that payment platform sends.
2. a kind of payment system that adopts the maltilevel security authentication according to claim 1 is characterized in that said payment platform is provided with mobile phone dynamic maker, setting module and SMS transmission module.
3. a kind of payment system that adopts the maltilevel security authentication according to claim 1 is characterized in that, said payment platform supports GPRS, Internet, Bluetooth wireless communication to communicate by letter with 3G.
CN2012102461728A 2012-07-17 2012-07-17 Payment system adopting multiple safety certificates CN102819918A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2012102461728A CN102819918A (en) 2012-07-17 2012-07-17 Payment system adopting multiple safety certificates

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN2012102461728A CN102819918A (en) 2012-07-17 2012-07-17 Payment system adopting multiple safety certificates

Publications (1)

Publication Number Publication Date
CN102819918A true CN102819918A (en) 2012-12-12

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CN (1) CN102819918A (en)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104009844A (en) * 2013-02-26 2014-08-27 成都勤智数码科技股份有限公司 Multilevel password processing method based on safety management
CN104469767A (en) * 2014-10-28 2015-03-25 杭州电子科技大学 Implementation method for integrated security protection subsystem of mobile office system
CN105577692A (en) * 2016-02-03 2016-05-11 杭州朗和科技有限公司 Website login authentication method and device
WO2017107733A1 (en) * 2015-12-25 2017-06-29 中国银联股份有限公司 Off-line payment method, terminal device, background payment apparatus and off-line payment system
CN108171899A (en) * 2017-12-28 2018-06-15 深圳市前海车博科技有限公司 A kind of convenient and efficient car-washing method and system based on mobile terminal

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101166091A (en) * 2006-10-19 2008-04-23 阿里巴巴公司 A dynamic password authentication method and service end system
US20100153276A1 (en) * 2006-07-20 2010-06-17 Kamfu Wong Method and system for online payment and identity confirmation with self-setting authentication fomula
CN101916478A (en) * 2010-08-03 2010-12-15 上海瀚银信息技术有限公司 Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client
CN201974880U (en) * 2011-02-09 2011-09-14 周锡卫 Safe real-time bank payment system
CN201984572U (en) * 2010-12-13 2011-09-21 周锡卫 System capable of actively and effectively preventing information cards from being misappropriated

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100153276A1 (en) * 2006-07-20 2010-06-17 Kamfu Wong Method and system for online payment and identity confirmation with self-setting authentication fomula
CN101166091A (en) * 2006-10-19 2008-04-23 阿里巴巴公司 A dynamic password authentication method and service end system
CN101916478A (en) * 2010-08-03 2010-12-15 上海瀚银信息技术有限公司 Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client
CN201984572U (en) * 2010-12-13 2011-09-21 周锡卫 System capable of actively and effectively preventing information cards from being misappropriated
CN201974880U (en) * 2011-02-09 2011-09-14 周锡卫 Safe real-time bank payment system

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104009844A (en) * 2013-02-26 2014-08-27 成都勤智数码科技股份有限公司 Multilevel password processing method based on safety management
CN104009844B (en) * 2013-02-26 2018-10-19 勤智数码科技股份有限公司 A kind of multistage cipher processing method based on safety management
CN104469767A (en) * 2014-10-28 2015-03-25 杭州电子科技大学 Implementation method for integrated security protection subsystem of mobile office system
CN104469767B (en) * 2014-10-28 2017-12-26 杭州电子科技大学 The implementation method of integrated form security protection subsystem in a set of mobile office system
WO2017107733A1 (en) * 2015-12-25 2017-06-29 中国银联股份有限公司 Off-line payment method, terminal device, background payment apparatus and off-line payment system
CN105577692A (en) * 2016-02-03 2016-05-11 杭州朗和科技有限公司 Website login authentication method and device
CN108171899A (en) * 2017-12-28 2018-06-15 深圳市前海车博科技有限公司 A kind of convenient and efficient car-washing method and system based on mobile terminal

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Application publication date: 20121212

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