CN106651369A - Payment method based on electronic signature technology - Google Patents
Payment method based on electronic signature technology Download PDFInfo
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- CN106651369A CN106651369A CN201610897737.7A CN201610897737A CN106651369A CN 106651369 A CN106651369 A CN 106651369A CN 201610897737 A CN201610897737 A CN 201610897737A CN 106651369 A CN106651369 A CN 106651369A
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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
- G06Q20/3825—Use of electronic signatures
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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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- 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
The invention provides a payment method based on an electronic signature technology. A contracting party A and a contracting party B hold digital certificates of the same kind or different kinds. The contracting party A encrypts and electronically signs payment data, and sends the data to the contracting party B. The contracting party B correspondingly decodes the data, electronically signs the data, and returns the data to a server. The server completes data payment after corresponding detection. An order data design method is adopted, an order is generated based on online shopping, public expense payment and the like, and payment is completed using an electronic signature and a key technology. There is neither need to open such functions as online banking and online payment nor need to input a payment password via a public network. The payment environment is highly safe. The supervision department can query the detailed transaction information of orders. Cashing-out and other illegal behaviors are prevented effectively. The disadvantages of the current payment method are overcome.
Description
Technical field
The present invention is a kind of method of payment based on electronic signature technology, belongs to electric paying method.
Background technology
With the fast development of ecommerce, the means of payment of people there occurs huge change, pay in cash in the past,
Bank cable transfer, postal remittance, POS machines swipe the card payment for major way, Web bank, third-party platform are increased now and is paid
（Alipay etc.）, quick payment, Mobile banking, the various ways such as telephone bank, be greatly enriched the means of payment of people；
On the other hand, bank increases energetically ATM equipment and multimedia self-help terminal, conveniently meets people and queries the balance, withdraws the money, deposits
Money, transfer accounts, common cost pay on behalf etc. basic service demand, mitigate bank outlets work pressure, expanded the business of itself.
The characteristics of current means of payment and deficiency：
1）There is respective Web bank in each bank, when client holds the bank card of certain bank, needs to be done to this bank's application
Reason opens the business of Web bank and online payment, then can just carry out the operation of online payment.
2）Third-party platform pays to be needed to set up an account managed by third party, using other payments such as Web bank
Mode is supplemented with money, typically requires that both parties have account, can provide the service of transaction guaranty.
3）Quick payment be businessman by and bank sign an agreement, simplify a kind of means of payment of payment process, in registration
The short message verification code of input handset is generally only needed afterwards, you can complete to pay, its security is less than Web bank's means of payment.
4）Mobile banking, telephone bank are required for opening corresponding business in advance, bind certain bank card, then just can be with
Carry out delivery operation.
5）POS machines are swiped the card the POS machines of payment（Including Unionpay and third-party POS machines）With industrial applications（Correspondence
Different service charges）Attribute, trade company's input spending amount, consumer swipes the card payments, with specific transaction content without directly
Relation, the service of typically no transaction guaranty.
6）The ATM equipment of bank（Cash dispenser, deposit machine, cash recycling system）Have with multimedia self-help terminal certain
Popularity rate, but its payment function is weaker（Transfer accounts, common cost pay on behalf etc.）.
7）Client typically possesses multiple bank cards of more banks, but typically will not all open Web bank and online
Pay function.
8）Paid using Web bank, third-party platform（Alipay etc.）, the mode such as Mobile banking when, be required in PC
Or payment cipher is input on mobile phone, and transmitted by public network, compared with the network at ATM equipment and its place, security is low.
9）Web bank, third-party platform payment accounts, Mobile banking etc. have financing, the function of bill payment mostly, hold
Easily cause fund dispersion, the problem of account management confusion.
The content of the invention
In view of the shortcomings of the prior art, it is an object of the present invention to provide a kind of payer based on electronic signature technology
Method, to solve the problems, such as above-mentioned background technology in propose.
To achieve these goals, the present invention is by the following technical solutions realizing：One kind is based on electronic signature skill
The method of payment of art, the Party A that concludes a treaty holds mutually similar or inhomogeneous digital certificate with the Party B that concludes a treaty, and the Party A that concludes a treaty is by propping up
Pay data to be encrypted and sign electronically, be then forwarded to the Party B that concludes a treaty, the Party B that concludes a treaty is unlocked accordingly after data, is entered
Row electronic signature, and server is back to, server is completed after corresponding detection, completes data payment, and concrete step is as follows：
Step S1, generates order, and the Party A that concludes a treaty combines payment information to form order data；
Step S2, secret key is generated, uses and transmitted, and the Party A that concludes a treaty is calculated by using DES, 3DES, DEA or IDEA symmetric cryptography
Method generates secret key and sends conclude a treaty Party B and server to, while the Party A that concludes a treaty carries out adding by using secret key pair order data
It is close；
Step S3, electronic signature, the Party A that concludes a treaty supports itself signing certificate and order data is signed electronically in client；
Step S4, sends to server, and the Party A that concludes a treaty is sent out the sequence information for signing electronically and encryption is completed by Ethernet
Server is delivered to, server is unlocked by previously received secret key to order data, obtain in plain text, obtaining payment silver
Row card data message and paying bank's clip pin information, and intercept paying bank's card data message and paying bank's clip pin
Information checks this and intercepts paying bank's card data message and paying bank's clip pin information simultaneously, and to remaining order numbers
According to being encrypted by secret key, new order data is generated；
Step S5, order reception, the Party B that concludes a treaty receives this new order data by Ethernet connection server；
Step S6, secret key decryption, the Party B that concludes a treaty is unlocked to new order data by previously received secret key, is obtained
In plain text；
Then step S7, electronic signature, the Party B that concludes a treaty is added by the way that plaintext is read and checked in new order data
Party B's information, after order data confirmation is errorless after formation modification, is entered by supporting itself signing certificate in client to order data
Row electronic signature；
Step S8, is back to server, and the Party B that concludes a treaty passes through Ethernet connection server, by order after the modification after electronic signature
Data is activation；
Step S9, detection, server is carried out to the order data that amended order data and the Party A that concludes a treaty send when starting
Contrast；
Step S10, completes, if contrast is errorless, completes to pay.
Further, in step sl, the order data includes paying bank's card data message, paying bank's clip pin
Information, payment information, receiving bank's card data message, collection amount information and Party A's identity information of concluding a treaty.
Further, the server is a kind of transaction platform.
Further, Party B's information includes receiving bank's card data message, collection amount information and the Party B that concludes a treaty
Identity information.
Further, in step s 9, server extract receiving bank's card data message after modification in order data with
And collection amount information, then extract conclude a treaty receiving bank's card data message in the order data sent when Party A starts and
Collection amount information, if both are errorless, by paying bank's clip pin information acquisition obligation authority, so as to complete payment.
Beneficial effects of the present invention：A kind of method of payment based on electronic signature technology of the present invention, using order data
Method for designing, shopping online, common cost are paid the fees etc. and form order, completed using electronic signature and secret key technology
Pay, without the need for opening the functions such as Web bank, online payment, without the need for being input into payment cipher on public network, its payment environment have compared with
High security, while supervision department can inquire about the detailed transaction information of order, is effectively prevented the illegal activities such as arbitrage, gram
The deficiency of the current means of payment is taken.
Description of the drawings
The detailed description by reading non-limiting example made with reference to the following drawings, the further feature of the present invention,
Objects and advantages will become more apparent upon：
The step of Fig. 1 is a kind of method of payment based on electronic signature technology of present invention block diagram；
The step of Fig. 2 is a kind of method of payment based on electronic signature technology of present invention schematic diagram.
Specific embodiment
Technological means, creation characteristic, reached purpose and effect to make present invention realization is easy to understand, with reference to
Specific embodiment, is expanded on further the present invention.
Fig. 1 to Fig. 2 is referred to, the present invention provides a kind of technical scheme：A kind of method of payment based on electronic signature technology,
The Party A that concludes a treaty holds mutually similar or inhomogeneous digital certificate with the Party B that concludes a treaty, and the Party A that concludes a treaty to payment data by being encrypted
And electronic signature, the Party B that concludes a treaty is then forwarded to, the Party B that concludes a treaty is unlocked accordingly after data, is signed electronically, and
Server is back to, server is completed after corresponding detection, completes data payment, and concrete step is as follows：
Step S1, generates order, and the Party A that concludes a treaty combines payment information to form order data；
Step S2, secret key is generated, uses and transmitted, and the Party A that concludes a treaty is calculated by using DES, 3DES, DEA or IDEA symmetric cryptography
Method generates secret key and sends conclude a treaty Party B and server to, while the Party A that concludes a treaty carries out adding by using secret key pair order data
It is close；
Step S3, electronic signature, the Party A that concludes a treaty supports itself signing certificate and order data is signed electronically in client；
Step S4, sends to server, and the Party A that concludes a treaty is sent out the sequence information for signing electronically and encryption is completed by Ethernet
Server is delivered to, server is unlocked by previously received secret key to order data, obtain in plain text, obtaining payment silver
Row card data message and paying bank's clip pin information, and intercept paying bank's card data message and paying bank's clip pin
Information checks this and intercepts paying bank's card data message and paying bank's clip pin information simultaneously, and to remaining order numbers
According to being encrypted by secret key, new order data is generated；
Step S5, order reception, the Party B that concludes a treaty receives this new order data by Ethernet connection server；
Step S6, secret key decryption, the Party B that concludes a treaty is unlocked to new order data by previously received secret key, is obtained
In plain text；
Then step S7, electronic signature, the Party B that concludes a treaty is added by the way that plaintext is read and checked in new order data
Party B's information, after order data confirmation is errorless after formation modification, is entered by supporting itself signing certificate in client to order data
Row electronic signature；
Step S8, is back to server, and the Party B that concludes a treaty passes through Ethernet connection server, by order after the modification after electronic signature
Data is activation；
Step S9, detection, server is carried out to the order data that amended order data and the Party A that concludes a treaty send when starting
Contrast；
Step S10, completes, if contrast is errorless, completes to pay.
In step sl, the order data includes paying bank's card data message, paying bank's clip pin information, pays
Amount information, receiving bank's card data message, collection amount information and Party A's identity information of concluding a treaty.
Server be a kind of transaction platform, Party B's information include receiving bank's card data message, collection amount information and
Conclude a treaty Party B's identity information.
In step s 9, server extracts the receiving bank's card data message and collection amount after modification in order data
Information, then extracts the receiving bank's card data message and collection amount letter concluded a treaty in the order data sent when Party A starts
Breath, if both are errorless, by paying bank's clip pin information acquisition obligation authority, so as to complete payment.
As one embodiment of the present of invention：A kind of method of payment based on electronic signature technology of the present invention, adopts and orders
The method for designing of forms data, by shopping online, common cost payment etc. order is formed, complete using electronic signature and secret key technology
Into payment, without the need for opening the functions such as Web bank, online payment, without the need for being input into payment cipher on public network, its payment environment tool
There is higher security, while supervision department can inquire about the detailed transaction information of order, be effectively prevented the illegal row such as arbitrage
To overcome the deficiency of the current means of payment.
The general principle and principal character and advantages of the present invention of the present invention are had been shown and described above, for this area skill
For art personnel, it is clear that the invention is not restricted to the details of above-mentioned one exemplary embodiment, and in the spirit without departing substantially from the present invention or
In the case of essential characteristic, the present invention can be in other specific forms realized.Therefore, no matter from the point of view of which point, all should be by
Embodiment regards exemplary as, and be it is nonrestrictive, the scope of the present invention by claims rather than on state
Bright restriction, it is intended that all changes in the implication and scope of the equivalency of claim that will fall are included in the present invention
It is interior.
Moreover, it will be appreciated that although this specification is been described by according to embodiment, not each embodiment is only wrapped
Containing an independent technical scheme, this narrating mode of specification is only that for clarity those skilled in the art should
Using specification as an entirety, the technical scheme in each embodiment can also Jing it is appropriately combined, form those skilled in the art
Understandable other embodiment.
Claims (5)
1. a kind of method of payment based on electronic signature technology, it is characterised in that：The Party A that concludes a treaty holds mutually similar with the Party B that concludes a treaty
Or inhomogeneous digital certificate, the Party A that concludes a treaty is then forwarded to conclude a treaty by being encrypted payment data and signing electronically
Party B, the Party B that concludes a treaty is unlocked accordingly after data, is signed electronically, and is back to server, and server is completed accordingly
Detection after, complete data payment, concrete step is as follows：
Step S1, generates order, and the Party A that concludes a treaty combines payment information to form order data；
Step S2, secret key is generated, uses and transmitted, and the Party A that concludes a treaty is calculated by using DES, 3DES, DEA or IDEA symmetric cryptography
Method generates secret key and sends conclude a treaty Party B and server to, while the Party A that concludes a treaty carries out adding by using secret key pair order data
It is close；
Step S3, electronic signature, the Party A that concludes a treaty supports itself signing certificate and order data is signed electronically in client；
Step S4, sends to server, and the Party A that concludes a treaty is sent out the sequence information for signing electronically and encryption is completed by Ethernet
Server is delivered to, server is unlocked by previously received secret key to order data, obtain in plain text, obtaining payment silver
Row card data message and paying bank's clip pin information, and intercept paying bank's card data message and paying bank's clip pin
Information checks this and intercepts paying bank's card data message and paying bank's clip pin information simultaneously, and to remaining order numbers
According to being encrypted by secret key, new order data is generated；
Step S5, order reception, the Party B that concludes a treaty receives this new order data by Ethernet connection server；
Step S6, secret key decryption, the Party B that concludes a treaty is unlocked to new order data by previously received secret key, is obtained
In plain text；
Then step S7, electronic signature, the Party B that concludes a treaty is added by the way that plaintext is read and checked in new order data
Party B's information, after order data confirmation is errorless after formation modification, is entered by supporting itself signing certificate in client to order data
Row electronic signature；
Step S8, is back to server, and the Party B that concludes a treaty passes through Ethernet connection server, by order after the modification after electronic signature
Data is activation；
Step S9, detection, server is carried out to the order data that amended order data and the Party A that concludes a treaty send when starting
Contrast；
Step S10, completes, if contrast is errorless, completes to pay.
2. a kind of method of payment based on electronic signature technology according to claim 1, it is characterised in that：In step S1
In, the order data includes paying bank's card data message, paying bank's clip pin information, payment information, gathering silver
Row card data message, collection amount information and Party A's identity information of concluding a treaty.
3. a kind of method of payment based on electronic signature technology according to claim 1, it is characterised in that：The server
For a kind of transaction platform.
4. a kind of method of payment based on electronic signature technology according to claim 1, it is characterised in that：Party B's letter
Breath includes receiving bank's card data message, collection amount information and Party B's identity information of concluding a treaty.
5. a kind of method of payment based on electronic signature technology according to claim 1, it is characterised in that：In step S9
In, server extracts the receiving bank's card data message and collection amount information after modification in order data, then extracts and forms
Receiving bank's card data message and collection amount information in the order data sent when about Party A starts, if both are errorless,
Then by paying bank's clip pin information acquisition obligation authority, so as to complete payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610897737.7A CN106651369A (en) | 2016-10-16 | 2016-10-16 | Payment method based on electronic signature technology |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610897737.7A CN106651369A (en) | 2016-10-16 | 2016-10-16 | Payment method based on electronic signature technology |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106651369A true CN106651369A (en) | 2017-05-10 |
Family
ID=58855768
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610897737.7A Pending CN106651369A (en) | 2016-10-16 | 2016-10-16 | Payment method based on electronic signature technology |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106651369A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112101937A (en) * | 2020-09-01 | 2020-12-18 | 武汉华盛美业科技有限公司 | Order safety payment method and system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101576983A (en) * | 2009-06-16 | 2009-11-11 | 深圳市星龙基电子技术有限公司 | Electronic payment method and system based on mobile terminal |
| CN102609841A (en) * | 2012-01-13 | 2012-07-25 | 东北大学 | Remote mobile payment system based on digital certificate and payment method |
| CN102789607A (en) * | 2012-07-04 | 2012-11-21 | 北京天龙融和软件有限公司 | Network transaction method and system |
-
2016
- 2016-10-16 CN CN201610897737.7A patent/CN106651369A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101576983A (en) * | 2009-06-16 | 2009-11-11 | 深圳市星龙基电子技术有限公司 | Electronic payment method and system based on mobile terminal |
| CN102609841A (en) * | 2012-01-13 | 2012-07-25 | 东北大学 | Remote mobile payment system based on digital certificate and payment method |
| CN102789607A (en) * | 2012-07-04 | 2012-11-21 | 北京天龙融和软件有限公司 | Network transaction method and system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112101937A (en) * | 2020-09-01 | 2020-12-18 | 武汉华盛美业科技有限公司 | Order safety payment method and system |
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Application publication date: 20170510 |