CN106611311A - Network payment implementation method - Google Patents
Network payment implementation method Download PDFInfo
- Publication number
- CN106611311A CN106611311A CN201510691557.9A CN201510691557A CN106611311A CN 106611311 A CN106611311 A CN 106611311A CN 201510691557 A CN201510691557 A CN 201510691557A CN 106611311 A CN106611311 A CN 106611311A
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- Prior art keywords
- network
- payment
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- information
- bank
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Classifications
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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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- 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
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Abstract
The invention relates to the technical field of information data management, particularly to a network payment implementation method. In recent years, software systems are developed rapidly, increasingly large in scale, and developed towards integration. Thus, the traditional technology is very difficult for user management of large-sized systems. Hence, the invention provides a metadata-based user parameter management method, which realizes management of user parameters by adopting five modules and five steps.
Description
Technical field
The present invention relates to information data administrative skill field, particularly relates to a kind of network payment realizing method.
Background technology
Network payment refers to the party of electronic transaction, including consumer, manufacturer and financial institution, is paid or fund flow by the currency that network is carried out using secured electronic charging means.Mainly include electronic money class, e-credit class, eCheck class.
In recent years, as ecommerce constantly develops, the amount of network payment is also increasing, with and come be network payment safety issue.The present invention proposes a kind of network payment security component technology based on md5 encryption algorithm.
The content of the invention
The technical problem to be solved in the present invention is to provide a kind of network payment realizing method, for improving the security and convenience of network payment.
To solve above-mentioned technical problem, a kind of network payment realizing method of the present invention, including following part：
Network authentication module：Based on digital certificate technique, for verifying to the identity of both parties,；
Encryption Decryption module：Based on MD5 algorithms, Transaction Information content is encrypted and decrypted；
Digital digest maker：For generating digital digest, Transaction Information is prevented to be tampered；
Digital Signature module：For recognizing transaction agent, it is allowed to produce non repudiation.
A kind of network payment realizing method of the present invention, comprises the steps：
Step 1：When client calls transaction page to carry out network payment, first by network authentication module, the information of both parties is authenticated, basic data validity is verified based on the basic data that bank provides；
Step 2：After transaction application is submitted, by encrypting module Transaction Information is encrypted using md5 encryption；
Step 3：Digital digest maker generates digital digest to ciphertext, and data file bag is generated with ciphertext unification after generation, sends the trading server toward businessman；
Step 4：Business server checked, confirmed to the ordering information of client, confirm it is errorless after be transmitted to payment gateway, bank's Batch Processing server of bank's dedicated network confirms to Transaction Information, and the mandate of fund is got paid after confirmation and checking.
Step 5：After bank validation confirms, to business server loopback confirmation and payment and settlement information, and the request of client's loopback payment authorization is given.
Step 6：Client returns authorization message, authorization message carries out identity by Digital Signature module, bank is obtained after the further mandate settlement information that client is transmitted, fund is transferred to merchant bank account number from customer account number, settled accounts by financial private network, and respectively to businessman, client's transmission payment and settlement successful information.
Specific embodiment
To make the technical problem to be solved in the present invention, technical scheme and advantage clearer, specific embodiment will be described in detail below.
Embodiment
1
Following steps are realized based on .net platforms：
A kind of network payment realizing method of the present invention, including following part：
Network authentication module：Based on digital certificate technique, for verifying to the identity of both parties,；
Encryption Decryption module：Based on MD5 algorithms, Transaction Information content is encrypted and decrypted；
Digital digest maker：For generating digital digest, Transaction Information is prevented to be tampered；
Digital Signature module：For recognizing transaction agent, it is allowed to produce non repudiation.
The customer parameter management method based on metadata of the present invention, comprises the steps：
Step 1：When client calls transaction page to carry out network payment, first by network authentication module, the information of both parties is authenticated, basic data validity is verified based on the basic data that bank provides；
Step 2：After transaction application is submitted, by encrypting module Transaction Information is encrypted using md5 encryption；
Step 3：Digital digest maker generates digital digest to ciphertext, and data file bag is generated with ciphertext unification after generation, sends the trading server toward businessman；
Step 4：Business server checked, confirmed to the ordering information of client, confirm it is errorless after be transmitted to payment gateway, bank's Batch Processing server of bank's dedicated network confirms to Transaction Information, and the mandate of fund is got paid after confirmation and checking.
Step 5：After bank validation confirms, to business server loopback confirmation and payment and settlement information, and the request of client's loopback payment authorization is given.
Step 6：Client returns authorization message, authorization message carries out identity by Digital Signature module, bank is obtained after the further mandate settlement information that client is transmitted, fund is transferred to merchant bank account number from customer account number, settled accounts by financial private network, and respectively to businessman, client's transmission payment and settlement successful information.
The above is the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, on the premise of without departing from principle of the present invention; some improvements and modifications can also be made, these improvements and modifications also should be regarded as protection scope of the present invention.
Claims (6)
1. a kind of network payment realizing method, including following part：
Network authentication module：Based on digital certificate technique, for verifying to the identity of both parties,；
Encryption Decryption module：Based on MD5 algorithms, Transaction Information content is encrypted and decrypted；
Digital digest maker：For generating digital digest, Transaction Information is prevented to be tampered；
Digital Signature module：For recognizing transaction agent, it is allowed to produce non repudiation.
2. a kind of network payment realizing method according to claim 1, its feature is including being implemented as described below step：
Step 1：When client calls transaction page to carry out network payment, first by network authentication module, the information of both parties is authenticated, basic data validity is verified based on the basic data that bank provides；
Step 2：After transaction application is submitted, by encrypting module Transaction Information is encrypted using md5 encryption；
Step 3：Digital digest maker generates digital digest to ciphertext, and data file bag is generated with ciphertext unification after generation, sends the trading server toward businessman；
Step 4：Business server checked, confirmed to the ordering information of client, confirm it is errorless after be transmitted to payment gateway, bank's Batch Processing server of bank's dedicated network confirms to Transaction Information, and the mandate of fund is got paid after confirmation and checking；
Step 5：After bank validation confirms, to business server loopback confirmation and payment and settlement information, and the request of client's loopback payment authorization is given；
Step 6：Client returns authorization message, authorization message carries out identity by Digital Signature module, bank is obtained after the further mandate settlement information that client is transmitted, fund is transferred to merchant bank account number from customer account number, settled accounts by financial private network, and respectively to businessman, client's transmission payment and settlement successful information.
3. a kind of network payment realizing method according to claim 1, it is characterised in that realization needs to be realized by .net or Java programming languages.
4. a kind of network payment realizing method according to claim 1, it is characterised in that all of transaction data need to be stored in database carries out maintenance management.
5. a kind of network payment realizing method according to claim 1, it is characterised in that the md5 encryption algorithm, is irreversible.
6. a kind of network payment realizing method according to claim 2, it is characterised in that all of process of exchange need to rely on internet and carry out.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510691557.9A CN106611311A (en) | 2015-10-23 | 2015-10-23 | Network payment implementation method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510691557.9A CN106611311A (en) | 2015-10-23 | 2015-10-23 | Network payment implementation method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106611311A true CN106611311A (en) | 2017-05-03 |
Family
ID=58611692
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510691557.9A Pending CN106611311A (en) | 2015-10-23 | 2015-10-23 | Network payment implementation method |
Country Status (1)
| Country | Link |
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| CN (1) | CN106611311A (en) |
Citations (10)
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| CN1885769A (en) * | 2005-06-23 | 2006-12-27 | 北京书生国际信息技术有限公司 | Digital abstract forming device and method, and CA signing system and method |
| CN101089880A (en) * | 2007-07-13 | 2007-12-19 | 王少波 | Electronic signature method |
| CN102118426A (en) * | 2009-12-31 | 2011-07-06 | 北大方正集团有限公司 | Network security payment terminal and network security payment method thereof |
| CN202067336U (en) * | 2011-06-01 | 2011-12-07 | 中国工商银行股份有限公司 | Payment device and system for realizing network security certification |
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| CN102609841A (en) * | 2012-01-13 | 2012-07-25 | 东北大学 | Remote mobile payment system based on digital certificate and payment method |
| CN103281187A (en) * | 2013-05-17 | 2013-09-04 | 北京网秦天下科技有限公司 | Security authentication method, equipment and system |
| CN103761802A (en) * | 2014-01-24 | 2014-04-30 | 黄杰 | Mobile storage payment identification system |
| CN104392355A (en) * | 2014-11-14 | 2015-03-04 | 青岛龙泰天翔通信科技有限公司 | Electronic payment method being high in safety |
| CN104636920A (en) * | 2015-02-06 | 2015-05-20 | 西安酷派软件科技有限公司 | Data interaction method, equipment and system |
-
2015
- 2015-10-23 CN CN201510691557.9A patent/CN106611311A/en active Pending
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| CN101089880A (en) * | 2007-07-13 | 2007-12-19 | 王少波 | Electronic signature method |
| CN102118426A (en) * | 2009-12-31 | 2011-07-06 | 北大方正集团有限公司 | Network security payment terminal and network security payment method thereof |
| CN202067336U (en) * | 2011-06-01 | 2011-12-07 | 中国工商银行股份有限公司 | Payment device and system for realizing network security certification |
| CN102420829A (en) * | 2011-12-15 | 2012-04-18 | 北京握奇数据系统有限公司 | Service data signature method, device, system and digital certification terminal |
| CN102609841A (en) * | 2012-01-13 | 2012-07-25 | 东北大学 | Remote mobile payment system based on digital certificate and payment method |
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Application publication date: 20170503 |
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