CN104268745A - On-line and off-line safety payment method - Google Patents

On-line and off-line safety payment method Download PDF

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Publication number
CN104268745A
CN104268745A CN201410522544.4A CN201410522544A CN104268745A CN 104268745 A CN104268745 A CN 104268745A CN 201410522544 A CN201410522544 A CN 201410522544A CN 104268745 A CN104268745 A CN 104268745A
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CN
China
Prior art keywords
line
payment method
virtual card
described
card number
Prior art date
Application number
CN201410522544.4A
Other languages
Chinese (zh)
Inventor
余震辉
李名彰
张波
贺一鸣
Original Assignee
余震辉
李名彰
张波
贺一鸣
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 余震辉, 李名彰, 张波, 贺一鸣 filed Critical 余震辉
Priority to CN201410522544.4A priority Critical patent/CN104268745A/en
Publication of CN104268745A publication Critical patent/CN104268745A/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351Virtual cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transaction

Abstract

The invention relates to an on-line and off-line safety payment method and belongs to the technical field of networks. The on-line and off-line safety payment method comprises the steps that a user registers an account on a third-party electronic commerce credit service platform and logins the account to apply for identity authentication; the user inputs a virtual card number, and the management background performs authentication examination and verification on the virtual card number and generates an effective virtual card number; the user accesses an external interface resource by inputting the effective virtual card number so as to complete on-line and off-line payment. By means of the on-line and off-line safety payment method, a genuine and believable good-faith environment is created for non-real-name system consumer groups on the electronic commerce network. The on-line and off-line safety payment method plays a guidance role in the future development process of the electronic commerce.

Description

A kind of line reach the standard grade under safe payment method

Technical field

The present invention relates to a kind of line reach the standard grade under safe payment method, belong to networking technology area.

Background technology

Along with the development of science and technology, existing ecommerce, in the payment main body of website, faces the non-honest business environment of swindle.Based on traditional and existing on-line payment behavior, its technology is not only short of and the ability that pays on network of the unprotect consumer group.Need to provide a kind of line to reach the standard grade the safe payment method of lower stealth, avoid the criminal offence of specialty on network, expand and want to pay on network and have the huge consumer group of doubt.

WebService and XML is becoming the important way of application based on internet and information integerated, the clique business of integrated loose couplings type, E-Government business and heterogeneous database exchange have become mainstream technology trend both domestic and external, and J2EE specification and application server product also all provide expanded function to support WebService and XML technology.

Summary of the invention

For the consumer group of system of real name non-on electronic commerce network, for building genuine and believable truthful environment, to take precautions against the criminal offence avoiding specialty on network for target, the safety payment system under the object of the present invention is to provide a kind of line to reach the standard grade in advance.

The object of the invention is to be achieved through the following technical solutions:

Line reach the standard grade under a safe payment method, comprising:

Step one: user is in electronic third-party commerce credits service platform login account, and logon account, applies for authentication;

Step 2: described user inputs virtual card number, certification examination & verification is carried out to described virtual card number in management backstage, generates effective virtual card number;

Step 3: described user enters external interface resource by the described effective virtual card number of input, completes line and to reach the standard grade lower payment.

Wherein, described user is the consumer group of non-system of real name on electronic commerce network.

Described electronic third-party commerce credits service platform comprises holder foreground, management backstage and external interface resource.

Further, described holder foreground comprises login account, logon account, non-real name authentication application, non-real-name authentication cancellation application, Modify password and information service.

Described management backstage comprises certification auditing system and virtual card management system.

Described external interface resource comprises sincere certification authority, third party store, Unionpay, industry and commerce, the tax and food medicine prison demand resource, to reach the standard grade the integrality of lower secure payment system to realize line.

Further, described virtual card number is the card number in described virtual card management system.

Described virtual card management system comprises Mobile phone card, bank card, Bus Card, store member card.

Described each virtual card number is unique.

Beneficial effect of the present invention is:

The present invention adopts cross-platform, standard, open, technology maturation, advanced application integratedtechnology to carry out system Construction, supports multi-tier structure, and presentation layer, operation layer, database access layer are separately; There is independent specific hardware platform and operating system; Support various types of Database Systems; There is good safety-type; Possesses distributed transaction function; Support messenger service and XML technology; Support cluster and failover, good expansibility and fault-tolerance are provided; There is good security of system and expandable type, in electric business's future development process, there is guiding role.

With the DNA framework of Microsoft unlike, J2EE of the present invention uses the standard of industry, instead of the standard of certain particular vendor.Particularly there is good support to the CORBA standard of OMG.It can run in J2EE specification and contain multiple technologies on various different hardware platform and operating system, and forms an organic whole.

Card system adopts J2EE/WebService/XML technical system to build B/S application architecture, has given full play to the advantage that framework brings, and has possessed good technical compatibility.

Exchanges data, based on XML specification, meets E-Government and the electronic commerce data interaction specifications of country or industry, to ensure the versatility of exchanges data.

Support to exchange distributed software system framework, comprise the structures such as B/S, C/S;

Support the market current edition of Sybase system, comprise Oracle, DB2, MS SQL Server, Sybase etc.;

Support the application server software market current edition of main flow, comprise Oracle 10gAS, BEA Weblogic, Borland, Application Server, IBM Websphere, SUN iPlant, JBOSS;

Support the WEB server market current edition of main flow, comprising: Apache, Netscape Enterprise Server, Microsoft Internet Information Server.

The present invention is directed to the consumer group of non-system of real name on electronic commerce network, built genuine and believable truthful environment, in electric business's future development process, there is guiding role.

Accompanying drawing explanation

Fig. 1 is electronic third-party commerce credits service platform main functionality system figure;

Fig. 2 wants point diagram for holder foreground function;

Fig. 3 is user's registration and identifying procedure figure;

Fig. 4 is system user checking example;

Fig. 5 is systems technology structural representation.

Embodiment

In order to make object of the present invention, technical scheme and advantage clearly understand, below in conjunction with example and accompanying drawing, the present invention is described in further detail.But example is not as a limitation of the invention.

Line reach the standard grade under a safe payment method, as shown in Figure 3, comprising:

Step one: user is in electronic third-party commerce credits service platform login account, and logon account, applies for authentication;

Step 2: described user inputs virtual card number, certification examination & verification is carried out to described virtual card number in management backstage, generates effective virtual card number;

Step 3: described user enters external interface resource by the described effective virtual card number of input, completes line and to reach the standard grade lower payment.

Wherein, described user is the consumer group of non-system of real name on electronic commerce network.

As shown in Figure 1, described electronic third-party commerce credits service platform comprises holder foreground, management backstage and external interface resource.Described management backstage comprises certification auditing system and virtual card management system.Described external interface resource comprises sincere certification authority, third party store, Unionpay, industry and commerce, the tax and food medicine prison demand resource, to reach the standard grade the integrality of lower secure payment system to realize line.

Further, as shown in Figure 2, described holder foreground comprises login account, logon account, non-real name authentication application, non-real-name authentication cancellation application, Modify password and information service.

Further, described virtual card number is the card number in described virtual card management system.

Described virtual card management system comprises Mobile phone card, bank card, Bus Card, store member card.

Described each virtual card number is unique.

As shown in Figure 5, described certification examination & verification adopts application integratedtechnology to carry out system Construction, verification process adopts cloud workflow coordination technique under Information System, data collection and multipath checking under joint line, form the foundation stone of safety, ensure the benign development of the system of safety, mainly comprise J2EE technology, XML technology, WebService technology, information service bus technology, adapter technique.

The application of J2EE (enterprise-level Java) technological architecture is divided into presentation layer, operation layer and data Layer many levels.

At presentation layer, support Java application, applet, CORBA client and Web client in a browser;

At operation layer, realize service logic by EJB, and operate in the application server supporting EJB;

Data Layer supports various data base management system (DBMS);

Communication is carried out mainly through RMI-IIOP between presentation layer and operation layer;

Operation layer and data Layer are then linked by JDBC and ODBC.

Described EJB is Enterprise Java Beans, can encapsulate complicated service logic, and reuse within the scope of whole system, supports far call and cluster;

Described RMI-IIOP is remote method invocation (RMI) agreement, and support that java applet calls remote object as calling native object, this agreement had both supported that the RMI of Java itself called, and also supported the IIOP agreement of CORBA, thus can carry out exchanging visit with CORBA service and ask;

Described JDBC provides the standard interface of java applet accessing database;

Wherein, Servlet supports dynamically to generate the html page, for the application and development based on browser;

JSP can write java and html script by mixing, dynamically generates the html page, higher than the development efficiency of writing Servlet;

JTA provides the support to affairs for Java transaction interface, comprises distributed transaction;

JMS is Java messenger service, supports the transmission of messages of point-to-point, publish/subscribe mode reliably;

JNDI is Java naming and directory service, supports according to title to search resource;

JavaMail is provided in the support of transmission and reception Email inside Java;

JAF is used for processing MIMI data by JavaMail;

JAXP is the standard interface of Java processing XML file, supports SAX and DOMAPI;

JCA allows the infosystem left over to provide adaptor interface, integrates with J2EE application program;

JAAS supports the authentication and authorization model based on user.

The present invention adopts cross-platform, standard, open, technology maturation, advanced application integratedtechnology to carry out system Construction, supports multi-tier structure, and presentation layer, operation layer, database access layer are separately; There is independent specific hardware platform and operating system; Support various types of Database Systems; There is good safety-type; Possesses distributed transaction function; Support messenger service and XML technology; Support cluster and failover, good expansibility and fault-tolerance are provided; There is good security of system and expandable type, in electric business's future development process, there is guiding role.

With the DNA framework of Microsoft unlike, J2EE of the present invention uses the standard of industry, instead of the standard of certain particular vendor.Particularly there is good support to the CORBA standard of OMG.It can run in J2EE specification and contain multiple technologies on various different hardware platform and operating system, and forms an organic whole.

Card system adopts J2EE/WebService/XML technical system to build B/S application architecture, has given full play to the advantage that framework brings, and has possessed good technical compatibility.

Exchanges data, based on XML specification, meets E-Government and the electronic commerce data interaction specifications of country or industry, to ensure the versatility of exchanges data.

Support to exchange distributed software system framework, comprise the structures such as B/S, C/S;

Support the market current edition of Sybase system, comprise Oracle, DB2, MS SQL Server, Sybase etc.;

Support the application server software market current edition of main flow, comprise Oracle 10gAS, BEA Weblogic, Borland, Application Server, IBM Websphere, SUN iPlant, JBOSS;

Support the WEB server market current edition of main flow, comprising: Apache, Netscape Enterprise Server, Microsoft Internet Information Server.

The present invention is directed to the consumer group of non-system of real name on electronic commerce network, built genuine and believable truthful environment, in electric business's future development process, there is guiding role.

To the above-mentioned explanation of the disclosed embodiments, professional and technical personnel in the field are realized or uses the present invention.To be apparent for those skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein can without departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.

Claims (9)

1. line reach the standard grade under a safe payment method, it is characterized in that, comprising:
Step one: user is in electronic third-party commerce credits service platform login account, and logon account, applies for authentication;
Step 2: described user inputs virtual card number, certification examination & verification is carried out to described virtual card number in management backstage, generates effective virtual card number;
Step 3: described user enters external interface resource by the described effective virtual card number of input, completes line and to reach the standard grade lower payment.
2. line according to claim 1 reach the standard grade under safe payment method, it is characterized in that, described user is the consumer group of non-system of real name on electronic commerce network.
3. line according to claim 1 reach the standard grade under safe payment method, it is characterized in that, described electronic third-party commerce credits service platform comprises holder foreground, management backstage and external interface resource.
4. line according to claim 3 reach the standard grade under safe payment method, it is characterized in that, described holder foreground comprises login account, logon account, non-real name authentication application, non-real-name authentication cancel application, Modify password and information service.
5. line according to claim 3 reach the standard grade under safe payment method, it is characterized in that, described management backstage comprises certification auditing system and virtual card management system.
6. line according to claim 3 reach the standard grade under safe payment method, it is characterized in that, described external interface resource comprises sincere certification authority, third party store, Unionpay, industry and commerce, the tax and food medicine prison demand resource.
7. line according to claim 5 reach the standard grade under safe payment method, it is characterized in that, described virtual card number is the card number in described virtual card management system.
8. line according to claim 5 reach the standard grade under safe payment method, it is characterized in that, described virtual card management system comprises Mobile phone card, bank card, Bus Card, store member card.
9. line according to claim 8 reach the standard grade under safe payment method, it is characterized in that, described each virtual card number is unique.
CN201410522544.4A 2014-09-29 2014-09-29 On-line and off-line safety payment method CN104268745A (en)

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Application Number Priority Date Filing Date Title
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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104735067A (en) * 2015-03-24 2015-06-24 高艳芳 O2O real name registration admittance system and method
CN104794613A (en) * 2015-04-27 2015-07-22 上海浩恺信息科技有限公司 Mobile equipment authentication method based on point-of-sale terminal
CN104951937A (en) * 2015-04-27 2015-09-30 上海浩恺信息科技有限公司 Authentication method and authentication system among mobile devices
CN104700267B (en) * 2015-01-16 2018-02-16 上海太炎信息科技有限公司 A kind of mobile-payment system and method based on the virtual card number of bank

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN2867470Y (en) * 2006-01-10 2007-02-07 肖勇 Universal trading system based on mobile terminal
CN101414370A (en) * 2008-12-15 2009-04-22 阿里巴巴集团控股有限公司 Payment method, system and payment platform capable of improving payment safety by virtual card
US20120266228A1 (en) * 2011-04-18 2012-10-18 Sap Ag Secure management of user rights during accessing of external systems

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN2867470Y (en) * 2006-01-10 2007-02-07 肖勇 Universal trading system based on mobile terminal
CN101414370A (en) * 2008-12-15 2009-04-22 阿里巴巴集团控股有限公司 Payment method, system and payment platform capable of improving payment safety by virtual card
US20120266228A1 (en) * 2011-04-18 2012-10-18 Sap Ag Secure management of user rights during accessing of external systems

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104700267B (en) * 2015-01-16 2018-02-16 上海太炎信息科技有限公司 A kind of mobile-payment system and method based on the virtual card number of bank
CN104735067A (en) * 2015-03-24 2015-06-24 高艳芳 O2O real name registration admittance system and method
CN104794613A (en) * 2015-04-27 2015-07-22 上海浩恺信息科技有限公司 Mobile equipment authentication method based on point-of-sale terminal
CN104951937A (en) * 2015-04-27 2015-09-30 上海浩恺信息科技有限公司 Authentication method and authentication system among mobile devices
CN104951937B (en) * 2015-04-27 2018-05-01 上海摩镶数据科技有限公司 Method for authenticating and right discriminating system between a kind of mobile equipment
CN104794613B (en) * 2015-04-27 2018-05-01 上海摩镶数据科技有限公司 A kind of mobile device authentication method based on point-of-sale terminal

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Application publication date: 20150107

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