CN106548344A - A kind of method for strengthening online transaction safety - Google Patents
A kind of method for strengthening online transaction safety Download PDFInfo
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- CN106548344A CN106548344A CN201610955292.3A CN201610955292A CN106548344A CN 106548344 A CN106548344 A CN 106548344A CN 201610955292 A CN201610955292 A CN 201610955292A CN 106548344 A CN106548344 A CN 106548344A
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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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- 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
- G06Q20/40—Authorisation, 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A kind of method for strengthening online transaction safety disclosed by the invention is operated according to following steps by two electronic accounts：Set up condominium account：Invited party sends the request for setting up condominium account, and invited party sets up condominium account after receiving then to input respective password respectively by both party；It is stored in fund：One side initiates fund and is stored in request, is then stored in fund by the side of being stored in and input password after other side receives, and after other side confirms to be stored in amount of the fund correctly, input preset password confirms；Draw fund：One direction other side sends fund and draws request, draws amount of the fund by the side's of drawing input and input password, is input into password confirming after other side confirms and draws amount of the fund correctly.A kind of method of reinforcement online transaction safety of the present invention abandons the pattern that existing both parties directly transfer accounts, but the account of a temporary transient common management is set up between the transaction survival of both parties, all items are required to both sides and input respective password respectively confirmed, so as to ensure that fund security.
Description
Technical field
The invention belongs to field of information security technology, and in particular to a kind of method of reinforcement online transaction safety.
Background technology
In the middle of the life of people, various transaction are be unable to do without, two types are generally divided into：One kind is conventional business
Class, for example, the larger needs of dealing money are paid earnest money, and both sides need to conclude the business public account face-to-face, and this mode is disobeyed if any a side
About, the fund security for going out capital cannot just be ensured；Another kind is ecommerce class, and for example, both sides are consulted by Internet contact,
Direct money transfer transactions, this mode are very convenient, but break a contract if any a side, and the fund for going out capital cannot also be ensured.
With the development of ecommerce, people, are begun attempt to by electronics business in order to cost-effective in business transaction
It is engaged in transaction to realize benefit.But, also there is no the problem of comprehensively solve fund security at present by ecommerce.
The content of the invention
It is an object of the invention to provide a kind of method for strengthening online transaction safety, solves current online transaction
The problem that fund of concluding the business when there is dispute is difficult to ensure that safely.
The technical solution adopted in the present invention is：A kind of method for strengthening online transaction safety, is included in same electronics
Two electronic accounts of account platform, two electronic accounts are operated according to following steps respectively as invited party and invited party：
The first step, sets up condominium account：Direction invited party is invited to send the request for setting up condominium account, if invited party refuses
Exhausted then condominium account sets up failure, sets up condominium account simultaneously after inputing respective password respectively by both party if invited party receives
Into second step；
Second step, is stored in fund：By invited party or be invited to direction other side initiate fund be stored in request, after other side receives then
By being stored in fund by the side of being stored in by solicited message and inputing password, after other side confirms to be stored in amount of the fund correctly, input is default close
Code is stored in fund success after confirming, is otherwise stored in fund failure；
3rd step, draws fund：When fund is drawn, fund is sent by the direction other side that needs are drawn and draws request,
After other side agrees to, then drawn amount of the fund and input password by the side of drawing input, when other side's confirmation draw amount of the fund it is correct after
Input preset password draws fund success after confirming, otherwise draws fund failure.
The characteristics of of the invention, also resides in,
Also include the 4th step, release condominium account：When no remaining sum in condominium account, by invited party or direction other side is invited to
Send and release condominium account notice, then condominium account is released.
In second step, fund is stored in solicited message and includes the side's of being stored in information and be stored in principal amount information.
In 3rd step, fund is drawn solicited message and includes the side's of drawing information and draw principal amount information.
The invention has the beneficial effects as follows：A kind of method of the reinforcement online transaction safety of the present invention solve it is current
The problem that transaction fund is difficult to ensure that safely when line transaction occurs dispute.A kind of side of the reinforcement online transaction safety of the present invention
Method avoids the pattern directly transferred accounts using current both parties, but one is set up between the transaction survival of both parties temporarily
When common management account, all items are required to both sides and input respective password respectively confirmed, so as to ensure that money
Golden safety, and due to the funds flow of whole process of exchange be all it is transparent, therefore can also be used as card when there is dispute
According to use, so as to greatly reduce dispute odds.
Description of the drawings
Fig. 1 is the schematic flow sheet that a kind of method of reinforcement online transaction safety of the present invention sets up condominium account.
Specific embodiment
The present invention is described in detail with reference to the accompanying drawings and detailed description.
A kind of method of reinforcement online transaction safety of the present invention, is included in two electronics of same electronic account platform
Account A and B, the two electronic accounts A and B are operated according to following steps respectively to should be used as invited party and invited party：
The first step, as shown in figure 1, setting up condominium account：Sent to invited party B from invited party A and set up asking for condominium account
Ask, condominium account sets up failure if invited party B refuses, be input into respectively if invited party B receives by both party respective close
Condominium account is set up after code and second step is entered；Example, A, B both sides are respectively provided with respective password and each manage respectively
Reason, both sides do not know other side's password, and the password can be electronic account itself password, or for the condominium account
The password that family is specially arranged.
Second step, is stored in fund：As electronic account A and B, either party initiates fund to other side and is stored in request, when other side connects
By rear, by being stored in fund by the side of being stored in by solicited message and inputing password, it is input into after other side confirms and is stored in amount of the fund correctly
Preset password is stored in fund success after confirming, is otherwise stored in fund failure；Example, the fund is stored in solicited message to be included depositing
The side of entering be who and to be stored in the amount of money be how many, therefore have three kinds of situations：The first, requesting party is the side of being stored in, it is assumed that A is to B
Request is stored in 10,000 yuan of fund from A to condominium account, after B receives, is then stored in 10,000 yuan by A and input default password, B by A
Confirm A be stored in 10,000 metamessages it is errorless after itself preset password is input into by B then, be so far stored in fund success；Second, requesting party
It is not the side of being stored in, it is assumed that A sends request to B and is stored in 10,000 yuan of fund from B to condominium account, after A receives, is then stored in 10,000 by B
Unit simultaneously input default password by B, A confirm B be stored in 10,000 metamessages it is errorless after itself preset password is input into by A then, so far deposit
Enter fund success；The third, the side of being stored in be both sides, it is assumed that A to B send request be respectively stored in 5,000 yuan of guarantee fund by both party, then A and
B is stored in 5,000 yuan respectively and is input into itself preset password, and other side knows that the amount of the fund input itself password again and carries out after errorless
Confirm, so far, both sides are stored in fund success, if a side refuses, both sides are stored in fund and fail.
3rd step, draws fund：When fund is drawn, fund is sent by the direction other side that needs are drawn and draws request,
After other side agrees to, then drawn amount of the fund and input password by the side of drawing input, when other side's confirmation draw amount of the fund it is correct after
Input preset password draws fund success after confirming, otherwise draws fund failure.Similar with second step, the fund draws request letter
Breath including the side of drawing be who and to draw the amount of money be how many, therefore have two kinds of situations：The first, requesting party is the side of drawing,
Assume that A draws 10,000 yuan in condominium account to B requests, after B receives, then drawn the amount of money and input itself password, B by A inputs
The password of the errorless rear input B itself of the amount of money that A draws is examined, so far, this yuan are drawn successfully by A；Second, the side of drawing is
Both sides, it is assumed that A asks draw 6,000 yuan by A, 4,000 yuan are drawn by B according to agreement to B, after B receives, then A and B correspond to defeated respectively
Enter to draw 6,000 yuan, 4,000 yuan and input respective password, then other side examine draw the amount of money it is errorless after input respective password again, extremely
This, draws 6,000 yuan by A, 4,000 yuan of fund successes is drawn by B, and if a side refuses, both sides draw and fail.
Also include the 4th step, release condominium account：After no the balance of funding in condominium account, electronic account A or B
Send to other side and release condominium account notice, then condominium account is released.
A kind of method of reinforcement online transaction safety of the present invention has the characteristics that：
First, condominium account is set up on the platform of electronic account, and the user for being provided only to electronic account platform uses；
2nd, after condominium account is successfully established, according to the negotiation of both sides, in condominium account it is stored in or draws jointly and consult
The amount of money；
3rd, the amount of money that both sides are stored in condominium account or are input into when drawing, is simultaneously displayed on both sides' each condominium account
Operation pages；
4th, both sides either party when will be stored in or draw, the side of being stored in or the side of drawing have to obtain after the opposing party agrees to,
Just operable under the cooperation of the opposing party, it is invalid unilaterally to operate；
5th, after both sides in condominium account are stored in or draw, meeting automatic transfer breath notifies the change of user's condominium account emotionally
Condition；
6th, double as do not needed condominium account, in the account in the case of no remaining sum, either party independently can release
Condominium account.
A kind of method of reinforcement online transaction safety of the present invention is abandoned to ensure the fund security of both parties
The existing pattern directly transferred accounts, but the condominium account of a common management is temporarily set up by both parties, and both sides point
Not Ju You independent password confirmed, if fund be stored in and drawn a side select refusal, this is stored in or draws behavior
Cannot be successful, so as to ensure that the safety of fund.Specifically, the side of a kind of reinforcement online transaction safety of the invention
Method has advantages below：
First, condominium account is set up on the platform of electronic account, and it is simple which sets up process；
2nd, as flowing in and out for fund needs both sides to confirm, managed by both parties jointly, convenient management, therefore protect
Fund security is demonstrate,proved；
3rd, simultaneously because both sides' confirmation, responsibility are all needed per single stepping clearly, the several of dispute generation are also greatly reduced
Rate.
Claims (4)
1. it is a kind of strengthen online transaction safety method, it is characterised in that be included in same electronic account platform two are electric
Sub- account, described two electronic accounts are operated according to following steps respectively as invited party and invited party：
The first step, sets up condominium account：Invited party described in the invitation direction sends the request for setting up condominium account, if be invited to
Then condominium account sets up failure to side's refusal, sets up condominium account after inputing respective password respectively by both party if invited party receives
Family simultaneously enters second step；
Second step, is stored in fund：By invited party or it is invited to direction other side and initiates fund be stored in request, then by pressing after other side receives
Solicited message is stored in fund by the side of being stored in and input password, and after other side confirms to be stored in amount of the fund correctly, input preset password is true
Fund success is stored in after recognizing, fund failure is otherwise stored in；
3rd step, draws fund：When fund is drawn, fund is sent by the direction other side that needs are drawn and draws request, other side
After agreement, then amount of the fund is drawn by the side's of drawing input and input password, be input into after other side confirms and draws amount of the fund correctly
Preset password draws fund success after confirming, otherwise draws fund failure.
2. a kind of method for strengthening online transaction safety as claimed in claim 1, it is characterised in that also including the 4th step,
Release condominium account：When no remaining sum in condominium account, by invited party or it is invited to direction other side and sends release condominium account and notify,
Then condominium account is released.
3. a kind of method for strengthening online transaction safety as claimed in claim 1, it is characterised in that provide in the second step
Gold is stored in solicited message to be included the side's of being stored in information and is stored in principal amount information.
4. a kind of method for strengthening online transaction safety as claimed in claim 1, it is characterised in that provide in the 3rd step
Gold draws solicited message to be included the side's of drawing information and draws principal amount information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610955292.3A CN106548344A (en) | 2016-10-27 | 2016-10-27 | A kind of method for strengthening online transaction safety |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610955292.3A CN106548344A (en) | 2016-10-27 | 2016-10-27 | A kind of method for strengthening online transaction safety |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106548344A true CN106548344A (en) | 2017-03-29 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610955292.3A Pending CN106548344A (en) | 2016-10-27 | 2016-10-27 | A kind of method for strengthening online transaction safety |
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| CN (1) | CN106548344A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111552954A (en) * | 2020-04-27 | 2020-08-18 | 中国银行股份有限公司 | Account management method and device |
| CN112132557A (en) * | 2020-09-27 | 2020-12-25 | 北京金山云网络技术有限公司 | Payment method, payment device, electronic equipment and storage medium |
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| CN101706933A (en) * | 2009-12-01 | 2010-05-12 | 中国建设银行股份有限公司 | Method and background system for realizing joint account service operation |
| CN103020817A (en) * | 2012-12-18 | 2013-04-03 | 施爱龙 | Internet payment method for joint accounts |
| CN104753903A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Authentication method, system and device |
| CN105933331A (en) * | 2016-06-13 | 2016-09-07 | 财付通支付科技有限公司 | Method and device for operating accounts |
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2016
- 2016-10-27 CN CN201610955292.3A patent/CN106548344A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101706933A (en) * | 2009-12-01 | 2010-05-12 | 中国建设银行股份有限公司 | Method and background system for realizing joint account service operation |
| CN103020817A (en) * | 2012-12-18 | 2013-04-03 | 施爱龙 | Internet payment method for joint accounts |
| CN104753903A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Authentication method, system and device |
| CN105933331A (en) * | 2016-06-13 | 2016-09-07 | 财付通支付科技有限公司 | Method and device for operating accounts |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111552954A (en) * | 2020-04-27 | 2020-08-18 | 中国银行股份有限公司 | Account management method and device |
| CN112132557A (en) * | 2020-09-27 | 2020-12-25 | 北京金山云网络技术有限公司 | Payment method, payment device, electronic equipment and storage medium |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
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| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170329 |