CN103745352A - Method for placing order by calling payment plug-in on WAP (Wireless Application Protocol) merchant mobile platform - Google Patents

Method for placing order by calling payment plug-in on WAP (Wireless Application Protocol) merchant mobile platform Download PDF

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Publication number
CN103745352A
CN103745352A CN201310744929.0A CN201310744929A CN103745352A CN 103745352 A CN103745352 A CN 103745352A CN 201310744929 A CN201310744929 A CN 201310744929A CN 103745352 A CN103745352 A CN 103745352A
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order
payment
wap
trade company
plug
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杜江
朱烨东
金雪丹
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BEIJING SINODATA E-COMMERCE Co Ltd
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BEIJING SINODATA E-COMMERCE Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights

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  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
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Abstract

The invention provides a method for placing an order by calling a payment plug-in on a WAP (Wireless Application Protocol) merchant mobile platform. The method for placing the order by calling the payment plug-in on the WAP merchant mobile platform is characterized in that the payment plug-in is embedded in the WAP merchant mobile platform; the WAP merchant mobile platform is docked with a merchant business system and the payment plug-in is docked with a plug-in background system; the merchant business system is a merchant background order processing system; the plug-in background system is an order processing system of a payment mechanism and comprises a payment front-end system, an order processing system and a payment processing system. On the basis of background order placing, a firewall, i.e. a WAP payment page is arranged aiming at payment initiated by the WAP merchant mobile platform before the payment plug-in is called, wherein the WAP payment page carries a WAP verification code corresponding to an order characteristic code; after the payment is submitted, order verification is performed to the order characteristic code and the WAP verification code and then payment processing is performed. Therefore the risks of order phishing and page phishing during information interaction between the WAP merchant mobile platform and the payment plug-in are avoided.

Description

WAP trade company mobile platform calls the method that plug-in unit places an order that pays
Technical field
The invention belongs to on-line payment technical field, be specifically related to a kind of WAP trade company mobile platform and call the method that plug-in unit places an order that pays.
Background technology
In current E-Payment industry, two kinds of electronic payment modes below main existence: the first, in WAP trade company mobile platform, embed cash register plug-in unit API, DangWAP trade company mobile platform reception during to payment information, calls cash register plug-in unit API and carries out relevant delivery operation; The second, JiangWAP trade company mobile platform docks with WAP Net silver, directly by WAP Net silver, carries out delivery operation.For above-mentioned the first modes of payments, in whole payment transaction process, there is the transaction request of initiating from mobile device page end in a large number, processing in the modes of payments, directly from browser page, to call cash register plug-in unit API, there is order fishing and the page risk of going fishing in this kind of mode, thereby causes damage for client.
Summary of the invention
The defect existing for prior art, the invention provides a kind of WAP trade company mobile platform and calls and pay the method that plug-in unit places an order, and can effectively reduce order fishing and page fishing risk, assurance transaction security.
The technical solution used in the present invention is as follows:
The invention provides a kind of WAP trade company mobile platform and call the method that plug-in unit places an order that pays, XiangWAP trade company mobile platform embeds and pays plug-in unit; Described WAP trade company mobile platform docks with trade company operation system, and described payment plug-in unit docks with plug-in unit background system; Wherein, described trade company operation system is trade company's backstage order processing system, for the treatment of order; The order processing system that described plug-in unit background system is payment mechanism, comprises and pays front-end system, order processing system and payment processing system; Comprise the following steps:
S1, described WAP trade company mobile platform reception is after initial order information, described initial order information is sent to described trade company operation system, described trade company operation system is sequence information by described initial order Information generation, after judging that this initial order information is new order, and described sequence information is returned to described WAP trade company mobile platform, described sequence information is after described WAP trade company mobile platform is confirmed, return to again described trade company operation system, then, described trade company operation system is preserved described sequence information;
S2, described trade company operation system is transferred to the order processing system in described plug-in unit background system by private line network after using trade company's private key signature of pre-distribution also to encrypt described sequence information;
S3, described order processing system judges that this sequence information is, after safe sequence information, to record described sequence information, preserves order copy; And generation and the unique corresponding order condition code of described sequence information, described order condition code is returned to described trade company operation system;
S4, described trade company operation system is preserved described order condition code, upgrades sequence information, then described order condition code and order signature is sent to described WAP trade company mobile platform;
S5, described WAP trade company mobile platform calls described payment plug-in unit, to described payment plug-in unit, submits the request of payment to, wherein, carries described order condition code and order signature in described payment request;
S6, described payment plug-in unit judges that described payment request derives from after described WAP trade company mobile platform, uploads described payment request to described plug-in unit background system; In described payment request, carry described order condition code and order signature;
S7, described plug-in unit background system generates the interim WAP identifying code with the certain hour term of validity according to described order condition code, then calls WAP and pays the page and described WAP identifying code is hidden and fed back to the described WAP payment page; Wherein, described WAP pays a page of page WeiWAP trade company mobile platform;
S8, described WAP pays the page and shows sequence information;
S9, the sequence information that the described WAP payment page is shown, after confirming, submits to described payment plug-in unit the request of payment to; Described order condition code and described WAP identifying code are carried in described payment request;
S10, described payment plug-in unit receives the payment information of client's input, then described payment information, described order condition code and described WAP identifying code is sent to described plug-in unit background system;
S11, described plug-in unit background system is verified after described order condition code and described WAP identifying code, is carried out concrete payment processes.
Preferably, in S2, cipher mode is: use ssl protocol to encrypt.
Preferably, in S3, described order processing system judges that this sequence information is that safe sequence information is specially:
Described order processing system is verified pre-trade company's PKI, trade company's binding IP of distributing, is judged whether order generated frequency surpasses threshold value.
Preferably, after S11, after paying, also comprise: order synchronization notice process, specifically comprises:
S12, described front-end system sends to described order processing system by order payment result;
S13, described order processing system is notified described trade company operation system by described order payment result;
S14, described trade company operation system is returned to the prepaid notification message of order to described order processing system after confirming an order and paying and write off;
S15, described order processing system sends the prepaid notification message of order to described front-end system, and then, described front-end system forwards the prepaid notification message of order to described payment plug-in unit;
S16, described payment plug-in unit shows the prepaid notification message of order; Simultaneously, described payment plug-in unit is to the prepaid notification message of described WAP trade company's mobile platform transmission order, described WAP trade company mobile platform is after receiving this notification message, to described trade company operation system, send the checking message having paid, after being proved to be successful, show the prepaid notification message of order.
WAP provided by the invention trade company mobile platform calls and pays the method that plug-in unit places an order, and has the following advantages:
(1) terminal is not transmitted sequence information: sequence information need to be passed through trade company's operation system, be passed to again the order processing system of plug-in unit background system, after generating order condition code by order processing system, pass trade company's operation system back, finally on foreground, only transmit order condition code and carry out delivery operation, take order condition code as confirming key element, avoid the possibility that occurs that leakage sequence information and order are gone fishing, guarantee the safety of sequence information.
(2) on the basis that the present invention places an order on backstage, the payment that DuiWAP trade company mobile platform is initiated, employing is before calling payment plug-in unit, arrange fire wall one, WAP pays the page, and WAP pays the page and carries WAP identifying code corresponding to order condition code, after submitting payment to, order condition code and WAP identifying code are carried out to Firm Order, then enter payment processes, prevent that WAP trade company mobile platform from occurring the risk that order fishing and the page are gone fishing in the information interactive process of payment plug-in unit.
Accompanying drawing explanation
Fig. 1 is that WAP provided by the invention trade company mobile platform calls and pays the method flow schematic diagram that plug-in unit places an order.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in detail:
Understand for convenience the present invention, the implication of the main title that paper the present invention relates to:
(1) mobile device: the handheld device of using wireless network to carry out network service as WIFI/WIMAX, GPRS/EDGE/WCDMA/TD-SCDMA, CDMA/CDMA2000/LTE/TD-LTE etc., as mobile phone, panel computer etc.;
(2) APP: i.e. application is the application software running on mobile device;
(3) pay plug-in unit: refer to that independent operating is at the APP of mobile device product;
(4) WAP: i.e. Wireless Application Protocol, general reference based on WML language, operate in the website on mobile device, be different from computer end website;
(5) WAP trade company mobile platform: refer to run on mobile device for client provides consumption, paying the fees etc. pays the platform of class service;
(6) plug-in unit background system: refer to the order processing system of payment mechanism or bank, containing paying the core system modules such as front-end system, order processing system, payment processing system, encrypting and deciphering system, custom system.
(7) front-end system, pays front-end system, refers to and is present in the intermediate treatment platform paying between plug-in unit and payment processing system, comprises plug-in unit authentication, order processing and forwarding, pays the functions such as routing forwarding, single channel encryption processing;
(8) order processing system: containing settling accounts the function of calculation, connect front-end system, complete the processing to order, and the task of calculation is settled accounts in responsible reimbursement processing, reconciliation;
(9) payment processing system: refer to the system of processing paying request, general direct docking banking system, or itself be exactly banking system;
(10) encrypting and deciphering system: refer to the system to whole transaction communications process renewal, distributing key;
(11) custom system: refer to the system of client being carried out to client information management, common function has: registration, login, inquiry transaction etc.;
(12) order condition code: refer to the order recognition feature code that the order processing system in plug-in unit background system distributes for each sequence information from trade company backstage, order recognition feature code contains: timestamp, sequence information, random code.Wherein, timestamp: timestamp has been the number of seconds since on January 1st, 1970 (00:00:00GMT).It is also referred to as Unix timestamp (Unix Timestamp).
As shown in Figure 1, the invention provides a kind of WAP trade company mobile platform and call and pay the method that plug-in unit places an order, the information interaction subjective relationship relating to is: to trade company's mobile platform, embed and pay plug-in unit; Described trade company mobile platform docks with trade company operation system, and described payment plug-in unit docks with plug-in unit background system; Wherein, described trade company operation system is trade company's backstage order processing system, for the treatment of order; The order processing system that described plug-in unit background system is payment mechanism, comprises and pays front-end system, order processing system and payment processing system.Overall flow can be divided into three phases: lower single phase, payment stage and advise for payments stage.Comprise the following steps:
(1) lower single phase
S1, described WAP trade company mobile platform reception is after initial order information, described initial order information is sent to described trade company operation system, described trade company operation system is sequence information by described initial order Information generation, after judging that this initial order information is new order, and described sequence information is returned to described WAP trade company mobile platform, described sequence information is after described WAP trade company mobile platform is confirmed, return to again described trade company operation system, then, described trade company operation system is preserved described sequence information;
In specific implementation, this step can realize by the following method:
S1.1, WAP trade company mobile platform reception initial order information;
That is, the mobile platform free choice of goods of client WAP trade company is also submitted order to, forms initial order information; Generally, in this step, WAP trade company mobile platform also needs to receive the payment mechanism of customer selecting.
S1.2, WAP trade company mobile platform sends payment pre-request for this initial order to paying plug-in unit;
S1.3, pays the source that plug-in unit judgement pays pre-request, to the processing of classifying of originating, for different sources, returns to corresponding result to trade company's mobile platform;
Generally, source comprises following three kinds: APP store, WAP store, note/Quick Response Code order.
APP store: client uses WAP trade company mobile platform to consume/pay the fees at mobile device, and the payment plug-in unit calling during payment on mobile device completes payment.
WAP store: client is consumed/paid the fees by browser access trade company platform on mobile device, the payment plug-in unit calling during payment on mobile device completes payment.
Note/Quick Response Code: client is interconnected done through network at PC etc., by trade company, send note or Quick Response Code to client's mobile phone, or order/pay the fees by sending a telegraph trade company, by trade company, send note or Quick Response Code to client's mobile phone, the payment link that client receives according to SMS or Quick Response Code, initiate to pay, the payment plug-in unit calling on mobile device completes payment.
S1.4, WAP trade company mobile platform is submitted to trade company's operation system by initial order information;
S1.5, trade company's operation system is sequence information by initial order Information generation, after judging that this initial order information is new order, and sequence information is returned to WAP trade company mobile platform, after sequence information JingWAP trade company mobile platform is confirmed, then return to trade company's operation system; Then, trade company's operation system is preserved sequence information;
Wherein, if trade company's operation system judges this initial order information, be not pay invoice of history, directly sequence information is sent to trade company's operation system.If trade company's operation system confirms an order unsuccessfully, directly return to trade company's mobile platform, prompting error message.
S2, described trade company operation system is transferred to the order processing system in described plug-in unit background system by private line network after using trade company's private key signature of pre-distribution also to encrypt described sequence information; Cipher mode can be used ssl protocol to encrypt.
S3, described order processing system judges that this sequence information is, after safe sequence information, to record described sequence information, preserves order copy; And generation and the unique corresponding order condition code of described sequence information, described order condition code is returned to described trade company operation system;
Wherein, based on order generated frequency, judge whether safe principle is order: trojan horse program is when trade company's mobile platform calls payment plug-in unit, this is called to interception or closes payment plug-in unit, and on backstage, connect another legal trade company form ordering system, generate another legal order, replace the order that user need to pay, general such process has close with the former order time, the amount of money is identical, initiating terminal is equal distinguishing feature mutually, whether business processing backstage can screen and have by fishing risk according to these features, give user-dependent indicating risk, by user, be finally confirmed whether to need to pay, pay which order.
S4, described trade company operation system is preserved described order condition code, upgrades sequence information, then described order condition code and order signature is sent to described WAP trade company mobile platform.
From above-mentioned flow process, can find out, whole placing an order in process, the order processing system on backstage is preserved order copy, be pushed directly to backstage and place an order, then, in continuation payment process, the payment plug-in unit on foreground is submitted to and is paid with condition code, and do not need directly to submit to order contents, then directly push to the order processing system on backstage, owing to not needing by internet transmission sequence information, thereby guarantee the safety of sequence information.
(2) the payment stage
S5, described WAP trade company mobile platform calls described payment plug-in unit, to described payment plug-in unit, submits the request of payment to, wherein, carries described order condition code and order signature in described payment request;
S6, described payment plug-in unit judges that described payment request derives from after described WAP trade company mobile platform, uploads described payment request to described plug-in unit background system; In described payment request, carry described order condition code and order signature;
S7, described plug-in unit background system generates the interim WAP identifying code with the certain hour term of validity according to described order condition code, and for example, the term of validity is 5 minutes; Then calling WAP pays the page and described WAP identifying code is hidden and fed back to the described WAP payment page; Wherein, the described WAP payment page is a WAP page of plug-in unit background system;
S8, described WAP pays the page and shows sequence information;
S9, the sequence information that the described WAP payment page is shown, after confirming, submits to described payment plug-in unit the request of payment to; Described order condition code and described WAP identifying code are carried in described payment request;
In specific implementation, can pay on the page and increase button at WAP, by clicking this button, call payment plug-in unit.
S10, described payment plug-in unit receives the payment information of client's input, then described payment information, described order condition code and described WAP identifying code is sent to described plug-in unit background system;
The payment information of client's input comprises bank card information, blocks the close sensitive information of Denging; In addition, the encrypting keyboard that accesses to your password, whole payment process card is close not to land, payment verification code etc., the security of guaranteeing payment.
In addition, when paying the payment information of plug-in unit reception client input, also can show order details, this order details source mode is: in S6, the order processing system of plug-in unit background system receives and pays after the order condition code that plug-in unit uploads, and uses order condition code to search order copy data storehouse, obtains the specific indent copy corresponding with order condition code, and then obtain order details, then order details are sent to front-end system; Front-end system sends to payment plug-in unit after order details are encrypted, and then pays plug-in unit demonstration order details.
In existing payment process, user, when input payment information, pays the page and does not show order details, and in the present invention, by the way, make to pay the page and show that order is detailed, prevents the loss that order fishing causes user.
S11, described plug-in unit background system is verified after described order condition code and described WAP identifying code, is carried out concrete payment processes.
In whole payment flow, sequence information, from the order processing system on backstage, has been got rid of the risk that transmits sequence information from mobile foreground; In whole process of exchange, every payment plug-in unit and communicating by letter of plug-in unit background system have all been taked the mode of coded communication, and sensitive information guarantees not to be stolen in communication process; During the key message inputs such as payment cipher, adopt code keypad to carry out RSA asymmetric encryption to information, guarantee that whole process payment cipher does not land.Therefore, effectively stop the payment safety problem of the ubiquitous order fishing in internet.
(3) the advise for payments stage
After paying, also comprise: order synchronization notice process, specifically comprises:
S12, described front-end system sends to described order processing system by order payment result;
S13, described order processing system is notified described trade company operation system by described order payment result;
S14, described trade company operation system is returned to the prepaid notification message of order to described order processing system after confirming an order and paying and write off;
S15, described order processing system sends the prepaid notification message of order to described front-end system, and then, described front-end system forwards the prepaid notification message of order to described payment plug-in unit;
S16, described payment plug-in unit shows the prepaid notification message of order; Simultaneously, described payment plug-in unit is to the prepaid notification message of described WAP trade company's mobile platform transmission order, described WAP trade company mobile platform is after receiving this notification message, to described trade company operation system, send the checking message having paid, after being proved to be successful, show the prepaid notification message of order.
From above-mentioned flow process, can find out, the consistance that synchronous payment result feedback mechanism is conducive to keep trade company's operation system and pays plug-in unit order status, reduce misunderstanding and distrust that client pays order, improve to pay and experience, avoid user to produce misgivings and unsafe worry.
As can be seen here, WAP provided by the invention trade company mobile platform calls and pays the method that plug-in unit places an order, and has the following advantages:
(1) terminal is not transmitted sequence information: sequence information need to be passed through trade company's operation system, be passed to again the order processing system of plug-in unit background system, after generating order condition code by order processing system, pass trade company's operation system back, finally on foreground, only transmit order condition code and carry out delivery operation, take order condition code as confirming key element, avoid the possibility that occurs that leakage sequence information and order are gone fishing, guarantee the safety of sequence information.
(2) on the basis that the present invention places an order on backstage, the payment that DuiWAP trade company mobile platform is initiated, employing is before calling payment plug-in unit, arrange fire wall one, WAP pays the page, and WAP pays the page and carries WAP identifying code corresponding to order condition code, after submitting payment to, order condition code and WAP identifying code are carried out to Firm Order, then enter payment processes, prevent that WAP trade company mobile platform from occurring the risk that order fishing and the page are gone fishing in the information interactive process of payment plug-in unit.
The above is only the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles 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 (4)

1.Yi Zhong WAP trade company mobile platform calls and pays the method that plug-in unit places an order, and it is characterized in that, XiangWAP trade company mobile platform embeds and pays plug-in unit; Described WAP trade company mobile platform docks with trade company operation system, and described payment plug-in unit docks with plug-in unit background system; Wherein, described trade company operation system is trade company's backstage order processing system, for the treatment of order; The order processing system that described plug-in unit background system is payment mechanism, comprises and pays front-end system, order processing system and payment processing system; Comprise the following steps:
S1, described WAP trade company mobile platform reception is after initial order information, described initial order information is sent to described trade company operation system, described trade company operation system is sequence information by described initial order Information generation, after judging that this initial order information is new order, and described sequence information is returned to described WAP trade company mobile platform, described sequence information is after described WAP trade company mobile platform is confirmed, return to again described trade company operation system, then, described trade company operation system is preserved described sequence information;
S2, described trade company operation system is transferred to the order processing system in described plug-in unit background system by private line network after using trade company's private key signature of pre-distribution also to encrypt described sequence information;
S3, described order processing system judges that this sequence information is, after safe sequence information, to record described sequence information, preserves order copy; And generation and the unique corresponding order condition code of described sequence information, described order condition code is returned to described trade company operation system;
S4, described trade company operation system is preserved described order condition code, upgrades sequence information, then described order condition code and order signature is sent to described WAP trade company mobile platform;
S5, described WAP trade company mobile platform calls described payment plug-in unit, to described payment plug-in unit, submits the request of payment to, wherein, carries described order condition code and order signature in described payment request;
S6, described payment plug-in unit judges that described payment request derives from after described WAP trade company mobile platform, uploads described payment request to described plug-in unit background system; In described payment request, carry described order condition code and order signature;
S7, described plug-in unit background system generates the interim WAP identifying code with the certain hour term of validity according to described order condition code, then calls WAP and pays the page and described WAP identifying code is hidden and fed back to the described WAP payment page; Wherein, described WAP pays a page of page WeiWAP trade company mobile platform;
S8, described WAP pays the page and shows sequence information;
S9, the sequence information that the described WAP payment page is shown, after confirming, submits to described payment plug-in unit the request of payment to; Described order condition code and described WAP identifying code are carried in described payment request;
S10, described payment plug-in unit receives the payment information of client's input, then described payment information, described order condition code and described WAP identifying code is sent to described plug-in unit background system;
S11, described plug-in unit background system is verified after described order condition code and described WAP identifying code, is carried out concrete payment processes.
2. WAP according to claim 1 trade company mobile platform calls and pays the method that plug-in unit places an order, and it is characterized in that, in S2, cipher mode is: use ssl protocol to encrypt.
3. WAP according to claim 1 trade company mobile platform calls and pays the method that plug-in unit places an order, and it is characterized in that, in S3, described order processing system judges that this sequence information is that safe sequence information is specially:
Described order processing system is verified pre-trade company's PKI, trade company's binding IP of distributing, is judged whether order generated frequency surpasses threshold value.
4. WAP according to claim 1 trade company mobile platform calls and pays the method that plug-in unit places an order, and it is characterized in that, after S11, after paying, also comprises: order synchronization notice process, specifically comprises:
S12, described front-end system sends to described order processing system by order payment result;
S13, described order processing system is notified described trade company operation system by described order payment result;
S14, described trade company operation system is returned to the prepaid notification message of order to described order processing system after confirming an order and paying and write off;
S15, described order processing system sends the prepaid notification message of order to described front-end system, and then, described front-end system forwards the prepaid notification message of order to described payment plug-in unit;
S16, described payment plug-in unit shows the prepaid notification message of order; Simultaneously, described payment plug-in unit is to the prepaid notification message of described WAP trade company's mobile platform transmission order, described WAP trade company mobile platform is after receiving this notification message, to described trade company operation system, send the checking message having paid, after being proved to be successful, show the prepaid notification message of order.
CN201310744929.0A 2013-12-30 2013-12-30 Method for placing order by calling payment plug-in on WAP (Wireless Application Protocol) merchant mobile platform Pending CN103745352A (en)

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WO2016029795A1 (en) * 2014-08-27 2016-03-03 阿里巴巴集团控股有限公司 Method and device for detecting payment security
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CN106357672B (en) * 2016-10-18 2019-10-22 深圳市金立通信设备有限公司 A kind of login method and terminal
CN106357672A (en) * 2016-10-18 2017-01-25 深圳市金立通信设备有限公司 Login method and terminal
US11687997B2 (en) 2017-01-27 2023-06-27 Visa International Service Association Browser extension for client-side tokenized authentication
CN110313012A (en) * 2017-01-27 2019-10-08 维萨国际服务协会 Browser for the tokenized certification of client-side extends
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CN111882783A (en) * 2020-06-29 2020-11-03 银盛支付服务股份有限公司 Butt-joint-transformation-free plug-and-play MIS-POS system and implementation method
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