CN104766203A - High-security electronic payment method for intelligent terminals - Google Patents
High-security electronic payment method for intelligent terminals Download PDFInfo
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- CN104766203A CN104766203A CN201510141662.5A CN201510141662A CN104766203A CN 104766203 A CN104766203 A CN 104766203A CN 201510141662 A CN201510141662 A CN 201510141662A CN 104766203 A CN104766203 A CN 104766203A
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Abstract
The invention discloses a high-security electronic payment method for intelligent terminals. The method is implemented through an intelligent paying party terminal, a receiving party terminal, a payment center server and an application program (APP) at least arranged in the intelligent paying party terminal and the payment center server. The method includes the following steps that the intelligent paying party terminal encrypts payment information containing the payment amount, the intelligent paying party terminal information and the paying party use account and sends the payment information to the payment center server; the payment center server checks the payment information, withholds the payment amount and sends authorization passwords to the intelligent paying party terminal; the receiving party terminal sends the receiving information including the authorization passwords to the payment center server, and the payment center server transfers money to the receiving party account after checking the authorization passwords. According to the method, the authenticity and reliability of the current transaction are determined by verifying the authorization passwords sent by the receiving party, the security coefficient of electronic payment is increased remarkably, and the method is free of limit of the accounts and easy to popularize.
Description
Technical field
The present invention relates to a kind of electric paying method, particularly relate to a kind of high security electric paying method for intelligent terminal.
Background technology
Modern society, along with the fast development of science and technology, the more and more and more and more intelligence of electronic equipment, money transaction also can more and more replace by electronic transaction, so, pay the various occasions that will be applied to more and more in life by mails.
Pay maximum problem by mails and be security.Although existing various electronic fare payment system is a lot, the security of its transaction is still a major issue, once there is potential safety hazard, then can bring serious consequence.The present inventor is through long-run analysis and thinking, think that the method for payment that existing electronic fare payment system adopts all exists a problem, be exactly for the ease of operation, payer directly or by money being paid after checking is subject to pay side, then directly just fund can be received by paying side, whole process does not need to verify by paying side, and payer under this pattern once make a fault, then may cause paying by mails unsuccessfully and losing property; In addition, existing payment system, generally all require payer and all adopt same software and register account number by paying side, or require payer and all need corresponding bank card number by paying side, this situation also can cause the application paid by mails to have some limitations, and is unfavorable for application and the popularization of E-Payment.
Summary of the invention
Object of the present invention is just to provide a kind of high security electric paying method for intelligent terminal to solve the problem.
The present invention is achieved through the following technical solutions above-mentioned purpose:
For a high security electric paying method for intelligent terminal, by payer intelligent terminal, realize by pair square terminal, pay centre server and the application program be at least installed in described payer intelligent terminal and described pay centre server and APP; Described high security electric paying method comprises the following steps:
(1) payer intelligent terminal: start APP;
(2) payer intelligent terminal: input the payment belonged in certain financial institution account of payer;
(3) payer intelligent terminal: encryption comprises the payment information of payment, payer intelligent terminal information and payer user account, here " payer intelligent terminal information " at least comprises international mobile subscriber identity and IMSI, also may comprise communication number and/or address and/or geography information and/or APP account information and/or settlement term information;
(4) payer intelligent terminal: the payment information after encryption is sent to pay centre server;
(5) pay centre server: receive the payment information of payer intelligent terminal and decipher;
(6) pay centre server: whether the information examined in the payment information of payer intelligent terminal except payment is correct, if correct, enters next step, otherwise terminate this operation;
(7) pay centre server: whether the effective fund examined in the financial institution account of payer is not less than payment, if so, then electronically draws the fund of this payment and persists in book server, and entering next step; If not, then terminate this operation;
(8) pay centre server: generate licencing key and this password is sent to payer intelligent terminal, starting to clock simultaneously;
(9) payer intelligent terminal: receive licencing key;
(10) by paying square terminal: obtain licencing key from payer intelligent terminal or payer;
(11) by paying square terminal: input amount receivable and licencing key by APP or other system, or scanning of authorized password;
(12) by pay a square terminal: encryption comprise amount receivable, licencing key, by pay square end message and by pay square user account by pay an information, here " by paying a square end message " at least comprises No. IP of international mobile subscriber identity and IMSI or mainboard, also may comprise communication number and/or address and/or geography information and/or APP account information and/or settlement term information;
(13) by paying square terminal: the information of paying that is subject to after encryption is sent to pay centre server;
(14) pay centre server: if receive in the given time by pay that square terminal sends by the information of paying, then deciphering is by the information of paying, and enters next step; If do not receive in the given time by pay that square terminal sends by the information of paying, then terminate this operation;
(15) pay centre server: whether correctly examine by the various information in the information of paying, if correctly, then goes to the fund that persists in book server by paying square user account, and enters next step; If incorrect, then terminate this operation;
(16) pay centre server: respectively to payer intelligent terminal with by the information of paying square terminal transmission Transaction Success;
(17) payer intelligent terminal and by paying a square terminal: receive and show the information of Transaction Success, terminating this operation.
As preferably, in described step (4), by the payment information after encryption with short message sending to pay centre server; In described step (8), generate licencing key and by this password with short message sending to payer intelligent terminal; In described step (13), the information of paying that is subject to after encryption is sent to pay centre server with note or internet information; In described step (16), send the information of Transaction Success with note to payer intelligent terminal, with note or internet information to by an information of paying square terminal and send Transaction Success.
As preferably, described payer intelligent terminal is smart mobile phone or intelligent palm PC; Described is smart mobile phone, palm PC, notebook computer or desktop computer by paying square terminal.
Beneficial effect of the present invention is:
The present invention is by being examined by pay centre server and provisionally suspending payment, and send licencing key to payer intelligent terminal, then confirm whether obtain this licencing key from payer intelligent terminal or payer by a pair side by examining the licencing key in information of paying that is subject to sent by pair square terminal, thus confirm this authenticity of concluding the business and reliability, the safety coefficient of E-Payment is significantly improved; Meanwhile, this method does not carry out any restriction to payer account with by paying square account, can meet the requirement paid by mails and do not limited to greatest extent, be conducive to overall application and the popularization of E-Payment.
Embodiment
Below in conjunction with embodiment, the invention will be further described:
Embodiment:
For a high security electric paying method for intelligent terminal, by payer smart mobile phone, realize by pair square notebook computer, pay centre server and the application program be at least installed in described payer smart mobile phone and described pay centre server and APP; Described high security electric paying method comprises the following steps:
(1) payer smart mobile phone: start APP;
(2) payer smart mobile phone: input the payment belonged in certain financial institution account of payer;
(3) payer smart mobile phone: encryption comprises the payment information of payment, payer smart mobile phone information and payer user account, here " payer smart mobile phone information " at least comprises international mobile subscriber identity and IMSI, also may comprise communication number and/or address and/or geography information and/or APP account information and/or settlement term information;
(4) payer smart mobile phone: by encryption after payment information with short message sending to pay centre server;
(5) pay centre server: receive the payment information of payer smart mobile phone and decipher;
(6) pay centre server: whether the information examined in the payment information of payer smart mobile phone except payment is correct, if correct, enters next step, otherwise terminate this operation;
(7) pay centre server: whether the effective fund examined in the financial institution account of payer is not less than payment, if so, then electronically draws the fund of this payment and persists in book server, and entering next step; If not, then terminate this operation;
(8) pay centre server: generate licencing key and by this password with short message sending to payer smart mobile phone, start to clock simultaneously;
(9) payer smart mobile phone: receive licencing key;
(10) by paying square notebook computer: obtain licencing key from payer smart mobile phone or payer;
(11) by paying square notebook computer: input amount receivable and licencing key by APP or other system, or scanning of authorized password, other system here refers to other application program;
(12) by pay a square notebook computer: encryption comprise amount receivable, licencing key, by pay square notebook computer information and by pay square user account by pay an information, here " by paying a square notebook computer information " at least comprises No. IP of mainboard, also may comprise communication number and/or address and/or geography information and/or APP account information and/or settlement term information;
(13) by paying square notebook computer: the information of paying that is subject to after encryption is sent to pay centre server with internet information;
(14) pay centre server: if receive in the given time by pay that square notebook computer sends by the information of paying, then deciphering is by the information of paying, and enters next step; If do not receive in the given time by pay that square notebook computer sends by the information of paying, then terminate this operation;
(15) pay centre server: whether correctly examine by the various information in the information of paying, if correctly, then goes to the fund that persists in book server by paying square user account, and enters next step; If incorrect, then terminate this operation;
(16) pay centre server: the information sending Transaction Success with note to payer smart mobile phone, with internet information to the information sending Transaction Success by pair square terminal;
(17) payer smart mobile phone and by paying a square notebook computer: receive and show the information of Transaction Success, terminating this operation.
Illustrate: above-mentioned payer smart mobile phone and by pay square notebook computer respectively by as individual payer and by pay side arrange operation.
Above-described embodiment is preferred embodiment of the present invention, is not the restriction to technical solution of the present invention, such as: payer smart mobile phone can also be intelligent palm PC; Being subject to pay a square notebook computer can also be smart mobile phone, palm PC or desktop computer; Payment information can also comprise the geography information of payer smart mobile phone; The geography information by paying square notebook computer can also be comprised by the information of paying; As long as without the technical scheme that creative work can realize on the basis of above-described embodiment, all should be considered as falling within the scope of the rights protection of patent of the present invention.
Claims (3)
1., for a high security electric paying method for intelligent terminal, by payer intelligent terminal, realize by pair square terminal, pay centre server and the application program be at least installed in described payer intelligent terminal and described pay centre server and APP; It is characterized in that: described high security electric paying method comprises the following steps:
(1) payer intelligent terminal: start APP;
(2) payer intelligent terminal: input the payment belonged in certain financial institution account of payer;
(3) payer intelligent terminal: encryption comprises the payment information of payment, payer intelligent terminal information and payer user account;
(4) payer intelligent terminal: the payment information after encryption is sent to pay centre server;
(5) pay centre server: receive the payment information of payer intelligent terminal and decipher;
(6) pay centre server: whether the information examined in the payment information of payer intelligent terminal except payment is correct, if correct, enters next step, otherwise terminate this operation;
(7) pay centre server: whether the effective fund examined in the financial institution account of payer is not less than payment, if so, then electronically draws the fund of this payment and persists in book server, and entering next step; If not, then terminate this operation;
(8) pay centre server: generate licencing key and this password is sent to payer intelligent terminal, starting to clock simultaneously;
(9) payer intelligent terminal: receive licencing key;
(10) by paying square terminal: obtain licencing key from payer intelligent terminal or payer;
(11) by paying square terminal: input amount receivable and licencing key by APP or other system, or scanning of authorized password;
(12) by pay a square terminal: encryption comprise amount receivable, licencing key, by pay square end message and by pay square user account by pay an information;
(13) by paying square terminal: the information of paying that is subject to after encryption is sent to pay centre server;
(14) pay centre server: if receive in the given time by pay that square terminal sends by the information of paying, then deciphering is by the information of paying, and enters next step; If do not receive in the given time by pay that square terminal sends by the information of paying, then terminate this operation;
(15) pay centre server: whether correctly examine by the various information in the information of paying, if correctly, then goes to the fund that persists in book server by paying square user account, and enters next step; If incorrect, then terminate this operation;
(16) pay centre server: respectively to payer intelligent terminal with by the information of paying square terminal transmission Transaction Success;
(17) payer intelligent terminal and by paying a square terminal: receive and show the information of Transaction Success, terminating this operation.
2. the high security electric paying method for intelligent terminal according to claim 1, is characterized in that: in described step (4), by encryption after payment information with short message sending to pay centre server; In described step (8), generate licencing key and by this password with short message sending to payer intelligent terminal; In described step (13), the information of paying that is subject to after encryption is sent to pay centre server with note or internet information; In described step (16), send the information of Transaction Success with note to payer intelligent terminal, with note or internet information to by an information of paying square terminal and send Transaction Success.
3. the high security electric paying method for intelligent terminal according to claim 1 and 2, is characterized in that: described payer intelligent terminal is smart mobile phone or intelligent palm PC; Described is smart mobile phone, palm PC, notebook computer or desktop computer by paying square terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510141662.5A CN104766203A (en) | 2015-03-27 | 2015-03-27 | High-security electronic payment method for intelligent terminals |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510141662.5A CN104766203A (en) | 2015-03-27 | 2015-03-27 | High-security electronic payment method for intelligent terminals |
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| CN104766203A true CN104766203A (en) | 2015-07-08 |
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| CN201510141662.5A Pending CN104766203A (en) | 2015-03-27 | 2015-03-27 | High-security electronic payment method for intelligent terminals |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105550871A (en) * | 2015-12-17 | 2016-05-04 | 浙江脸谱科技有限公司 | Mobile internet based mobile phone bank transaction system |
| CN106157008A (en) * | 2016-06-30 | 2016-11-23 | 成都生辉电子科技有限公司 | A kind of intelligent terminal's safe payment method |
| CN106204040A (en) * | 2016-06-30 | 2016-12-07 | 中相（海南）信息科技有限公司 | A kind of mobile payment communication security system and application process thereof |
| WO2017012029A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Method and system for automatically configuring payment conditions of electronic certificate |
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| CN101140648A (en) * | 2007-09-10 | 2008-03-12 | 王忠杰 | Method for bank bill online authorisation and off line trading |
| CN101441747A (en) * | 2008-10-16 | 2009-05-27 | 王忠杰 | Method for safely replacing bank POS machine |
| CN102609836A (en) * | 2012-02-02 | 2012-07-25 | 言金刚 | Match code checking payment system and match code checking payment method |
| CN102637273A (en) * | 2011-02-09 | 2012-08-15 | 周锡卫 | Safe real-time bank payment system and method |
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2015
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Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| US20040019564A1 (en) * | 2002-07-26 | 2004-01-29 | Scott Goldthwaite | System and method for payment transaction authentication |
| CN101140648A (en) * | 2007-09-10 | 2008-03-12 | 王忠杰 | Method for bank bill online authorisation and off line trading |
| CN101441747A (en) * | 2008-10-16 | 2009-05-27 | 王忠杰 | Method for safely replacing bank POS machine |
| CN102637273A (en) * | 2011-02-09 | 2012-08-15 | 周锡卫 | Safe real-time bank payment system and method |
| CN102609836A (en) * | 2012-02-02 | 2012-07-25 | 言金刚 | Match code checking payment system and match code checking payment method |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2017012029A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Method and system for automatically configuring payment conditions of electronic certificate |
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| CN106157008A (en) * | 2016-06-30 | 2016-11-23 | 成都生辉电子科技有限公司 | A kind of intelligent terminal's safe payment method |
| CN106204040A (en) * | 2016-06-30 | 2016-12-07 | 中相（海南）信息科技有限公司 | A kind of mobile payment communication security system and application process thereof |
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Application publication date: 20150708 |