CN104392355A - Electronic payment method being high in safety - Google Patents
Electronic payment method being high in safety Download PDFInfo
- Publication number
- CN104392355A CN104392355A CN201410650438.4A CN201410650438A CN104392355A CN 104392355 A CN104392355 A CN 104392355A CN 201410650438 A CN201410650438 A CN 201410650438A CN 104392355 A CN104392355 A CN 104392355A
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- CN
- China
- Prior art keywords
- client
- payment
- businessman
- bank
- order
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention discloses an electronic payment method being high in safety and belongs to the field of electronic payment of e-commerce. The electronic payment method being high in safety is characterized in that a client opens a credit card account and obtains a credit card; the client examines a commodity list in a Web home page and selects required commodities, then fills in an order and transmits the order to a merchant through the network and meanwhile attaches a payment command; the order and the payment command must be provided with digital signatures of the client; the digital signatures of the client are the account information that the merchant cannot see; the merchant requests payment recognition from an issuing bank after receiving the order; the issuing bank ratifies the transaction after confirms the payment recognition and returns the confirmation information to the merchant; the merchant sends the order acknowledgement message to the client and delivers goods to the client; then the merchant requests the bank to pay the price of the commodities and the bank transfer the price of the commodities from the account of the client to the account of the merchant; a complete SET (Secure Electronic Transaction) agreement is formed, working procedures of the SET is close to a practical shopping process, and operations are achieved through the network.
Description
Technical field
The electric paying method that security is high, belongs to e-commerce field.
Background technology
Due to E-Payment support is advanced computer technology, network technology and the communication technology, and adopts open environment, so have very high requirement at technical elements, at present, the topmost problem that E-Payment faces is safety problem and honesty issue.Promote E-Payment on a large scale, must solve hacker attacks, inner crime, password leakage etc. relates to the problem of fund security.Also have one pay condition question, the electronic payment instrument selected by consumer must meet multiple condition, by the issued by banks at consumer account place, will have the support of corresponding payment system and place bank of trade company, approve by businessman.
Summary of the invention
The object of the invention is the above-mentioned series of problems existed to solve shopping online, providing the electric paying method that a kind of security is high.
The present invention is realized by following several respects: first on the website of businessman, choose required commodity by client, afterwards order is issued businessman by network, after businessman receives order, to bank's request accreditation, transaction is agreed to after confirming by bank, and merchant issued order, to client, is delivered simultaneously, businessman asks bank paying payment for goods again, and banker's payment is to businessman; Must there be bank card in client and businessman; If the bank card that client and businessman hold not necessarily same bank is opened; SET trade agreement is the online electronic fare payment system category based on Credit Card Payments; in order to meet the demand in many ways of client, bank, businessman and software vendor; its object is information safe transmission on the internet; can not be stolen or distort; customer data wants safekeeping, and purchasing order information can only be seen by businessman, can't see the accounts information of client; the certification mutually of client and businessman, to determine the other side's identity.
Further, this SET trade agreement is means of payment safe and reliable on internet, all SET members can operate mutually, client needs stored value card software and carrys out treatment S ET payment, the server of businessman receives order and payment information from buying application, and send the payment information of encryption to payment gateway and get the Green Light, payment information is sightless concerning businessman.
The present invention has following beneficial effect and is characterized in: described this method of payment is means of payment safe and reliable on internet, and all members can operate mutually.Client needs stored value card software and carrys out treatment S ET payment.The server of businessman receives order and payment information from buying application, and sends the payment information of encryption to payment gateway and get the Green Light.Payment information is sightless concerning businessman.
Embodiment
Below in conjunction with embodiment, the present invention is described in further detail, but these embodiments must not be used for explaining limiting the scope of the invention.
The electric paying method that security is high, belongs to e-commerce field.Its feature is: client's connecting Internet, carries out browsing of commodity, selects and orders, fill in network order, the electronic payment instrument credit card of selective gist, and obtain licensing of bank, client computer is encrypted associated order information, at Submitted online order.The sequence information of business server to client checks, confirms, and relevant, issue payment gateway through client's payment information etc. of encryption, until bank's Batch Processing server of bank's dedicated network confirms, to the mandate obtaining disbursing funds from electronic money issuer checkings such as banks.The encryption channel via payment gateway by setting up after bank validation confirms to business server loopback confirmation and payment information, is further safety, to the request of client's loopback payment authorization.After bank obtains the further mandate settlement information that client transmits, fund is allocated to from customer account and carries out the merchant bank account of ecommerce, settle accounts by financial dedicated network, and send payment and settlement successful information to respectively businessman and client.Business server sends network successful payment information and shipping order to client after receiving the clearing successful information that bank sends.So far, once typically pay settlement process by mails to terminate.Businessman and client can respectively by the balance of funding information of network inquiry oneself, to check further.
E-Payment is that it has transferred in information transmission by digital stream, and its various modes of payments is all that digitized mode carries out fund payment.The working environment paid by mails is based on open system platform (internet).
In order to meet the demand in many ways of client, bank, businessman and software vendor, its object is information safe transmission on the internet, can not be stolen or distort.Customer data wants safekeeping, and purchasing order information can only be seen by businessman, can't see the accounts information of client.The certification mutually of client and businessman, to determine the other side's identity.Software follows identical agreement and information format, has compatibility and interoperability.
SET is means of payment safe and reliable on internet, and all SET members can operate mutually.Client needs stored value card software and carrys out treatment S ET payment.The server of businessman receives order and payment information from buying application, and sends the payment information of encryption to payment gateway and get the Green Light.Payment information is sightless concerning businessman.
Payment gateway represents financial institution on internet.After payment gateway receives the payment information from payment information server, be converted into ISO (bank card information exchange standard) message and send to financial institution, payment gateway passes businessman back after receiving authorization message.After this, the response of payment gateway is delivered client by businessman, tells that he authorizes end, is the means of payment in safest Internet.
E-Payment has convenient, fast, efficient, economic dispatch advantage.Following will have very large development field.For a person skilled in the art, according to technical scheme described above and design, other various corresponding change and distortion can be made, and all these change and distortion all should belong within the protection domain of the claims in the present invention.
Claims (2)
1. the electric paying method that a security is high, belong to e-commerce field, it is characterized in that: first on the website of businessman, choose required commodity by client, afterwards order is issued businessman by network, after businessman receives order, to bank's request accreditation, transaction is agreed to after confirming by bank, and merchant issued order, to client, is delivered simultaneously, businessman asks bank paying payment for goods again, and banker's payment is to businessman; Must there be bank card in client and businessman; If the bank card that client and businessman hold not necessarily same bank is opened; SET trade agreement is the online electronic fare payment system category based on Credit Card Payments; in order to meet the demand in many ways of client, bank, businessman and software vendor; its object is information safe transmission on the internet; can not be stolen or distort; customer data wants safekeeping, and purchasing order information can only be seen by businessman, can't see the accounts information of client; the certification mutually of client and businessman, to determine the other side's identity.
2. the electric paying method high according to the said a kind of security of claim 1, it is characterized in that: this SET trade agreement is means of payment safe and reliable on internet, all SET members can operate mutually, client needs stored value card software and carrys out treatment S ET payment, the server of businessman receives order and payment information from buying application, and send the payment information of encryption to payment gateway and get the Green Light, payment information is sightless concerning businessman.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410650438.4A CN104392355A (en) | 2014-11-14 | 2014-11-14 | Electronic payment method being high in safety |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410650438.4A CN104392355A (en) | 2014-11-14 | 2014-11-14 | Electronic payment method being high in safety |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104392355A true CN104392355A (en) | 2015-03-04 |
Family
ID=52610254
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410650438.4A Pending CN104392355A (en) | 2014-11-14 | 2014-11-14 | Electronic payment method being high in safety |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104392355A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106611311A (en) * | 2015-10-23 | 2017-05-03 | 镇江金软计算机科技有限责任公司 | Network payment implementation method |
| CN107464105A (en) * | 2017-09-15 | 2017-12-12 | 深圳天珑无线科技有限公司 | Device pays interactive authentication method and its system |
| CN107851258A (en) * | 2015-07-29 | 2018-03-27 | 万事达卡国际股份有限公司 | Method and system for fleet's network of future generation |
| CN108564358A (en) * | 2018-04-13 | 2018-09-21 | 携程计算机技术（上海）有限公司 | The payment under guarantee method and system of credit card |
| CN110462661A (en) * | 2017-03-27 | 2019-11-15 | 万事达卡国际公司 | For X- payout figure wallet pull and supplying system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
| CN102289753A (en) * | 2011-07-27 | 2011-12-21 | 苏州巴米特信息科技有限公司 | High-security electronic payment method |
| US20140089117A1 (en) * | 2012-09-24 | 2014-03-27 | Curenci, Llc | Secure Escrow Transaction System |
-
2014
- 2014-11-14 CN CN201410650438.4A patent/CN104392355A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
| CN102289753A (en) * | 2011-07-27 | 2011-12-21 | 苏州巴米特信息科技有限公司 | High-security electronic payment method |
| US20140089117A1 (en) * | 2012-09-24 | 2014-03-27 | Curenci, Llc | Secure Escrow Transaction System |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107851258A (en) * | 2015-07-29 | 2018-03-27 | 万事达卡国际股份有限公司 | Method and system for fleet's network of future generation |
| CN106611311A (en) * | 2015-10-23 | 2017-05-03 | 镇江金软计算机科技有限责任公司 | Network payment implementation method |
| CN110462661A (en) * | 2017-03-27 | 2019-11-15 | 万事达卡国际公司 | For X- payout figure wallet pull and supplying system |
| CN110462661B (en) * | 2017-03-27 | 2023-12-05 | 万事达卡国际公司 | Pulling and pushing system for X-payment digital wallet |
| CN107464105A (en) * | 2017-09-15 | 2017-12-12 | 深圳天珑无线科技有限公司 | Device pays interactive authentication method and its system |
| CN108564358A (en) * | 2018-04-13 | 2018-09-21 | 携程计算机技术（上海）有限公司 | The payment under guarantee method and system of credit card |
| CN108564358B (en) * | 2018-04-13 | 2021-08-13 | 携程计算机技术（上海）有限公司 | Guarantee payment method and system for credit card |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20150304 |