CN106656969A - Payment state management method and system thereof, and network payment system - Google Patents
Payment state management method and system thereof, and network payment system Download PDFInfo
- Publication number
- CN106656969A CN106656969A CN201610894778.0A CN201610894778A CN106656969A CN 106656969 A CN106656969 A CN 106656969A CN 201610894778 A CN201610894778 A CN 201610894778A CN 106656969 A CN106656969 A CN 106656969A
- Authority
- CN
- China
- Prior art keywords
- pay status
- module
- user
- application
- authentication
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
- H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
-
- 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
-
- 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
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
- H04L9/0863—Generation of secret information including derivation or calculation of cryptographic keys or passwords involving passwords or one-time passwords
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Engineering & Computer Science (AREA)
- Computing Systems (AREA)
- Computer Hardware Design (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a payment state management method and system thereof, and a network payment system. The payment state management method comprises: S10, receiving a payment state changing request sent by a payment application; S20, sending an identity authentication request of a user to an authentication server according to the payment state changing request; S30, responding to the payment state changing request based on the identity authentication result from the authentication server; and S40, issuing a payment state changing result to the payment application to realize management of the payment state of the network payment system. Therefore, a payment security problem of the related payment account of the user in the network payment system can be solved; and security of the payment state management process can be improved.
Description
Technical field
The present invention relates to communication technical field, more particularly to a kind of pay status management method and its system and a kind of net
Network payment system.
Background technology
With the raising of Internet penetration, increasing people accesses internet by paying application.According to statistics, cut
Only 4.130 hundred million will be reached the user number done shopping by paying application, such as mobile phone, panel computer to the end of the year 2015, its
In, there are 3.58 hundred million people to select to be paid by paying application.In addition,《The overall feelings of first quarter Payment System operation in 2016
Condition》Report shows that up to 56.15 hundred million, the amount of money is up to 52.130 trillion to mobile payment service, increases by 308% He respectively on year-on-year basis
31.05%, maintain more than one times of growing trend.
It can be seen that, mobile Internet has already moulded brand-new social life form, the subtle day for changing people
Often life.Simultaneously, the type of financial business turns to mobile terminal by PC (Personal Computer, PC) ends, by
The point-to-point means of payment is transformed into the social means of payment according to connection multi-to-multi.During this, for bank comes
Say, in mobile terminal the security solution at PC ends has still been continued to use, e.g., bluetooth shield, audio frequency key, scrambler token etc., compared to
The means of payment of Third-party payment is had a greatly reduced quality on Consumer's Experience, and using causing business dispirited, client is lost in a large number.
Further, user is after the paying servers such as ebanking server, Mobile banking's server are opened, it is corresponding to pay clothes
Business device can be constantly in opening state, and user can be transferred accounts at any time, to bring convenience to user.But, this
Potential safety hazard is equally existed during one, once stealing payment information by hacker, can be transferred accounts with any time, be consumed, will be given
Client.
The content of the invention
For the problems referred to above, the invention provides a kind of pay status management method and its system and a kind of network payment
System, efficiently solves the safety of payment of user's correlation payment accounts in network payment system.
The technical scheme that the present invention is provided is as follows：
A kind of pay status management method, is applied to network payment system, and the network payment system is whole with mobile respectively
Payment in end is applied and certificate server communication connection, is comprised the following steps in the pay status management method：
S10 is received and is paid the pay status change request that application sends；
S20 changes the ID authentication request that request sends user to certificate server according to the pay status；
S30 is responded according to the identity authentication result of certificate server to pay status change request；
S40 issues pay status and changes result to application is paid, and realizes the management to network payment system pay status.
It is further preferred that to be stored with respectively in the mobile terminal and certificate server pay application uniquely with described
The safety insert of association, to realize authentication of the certificate server to user, the safety insert includes application message
And with pay using unique association mathematical algorithm.
It is further preferred that in step s 30, before certificate server is authenticated to the identity of user, also including recognizing
The step of card server obtains mathematical algorithm and is compiled into safety insert according to the application message computing for paying application submission, specifically
Including：
S01 generates random number according to the application message for receiving, and the random number is set as into key parameter；
S02 is reconstructed to preset algorithm according to the key parameter and obtains mathematical algorithm；
The application message for receiving and the mathematical algorithm for generating are compiled in the lump and obtain safety insert and be issued to by S03
Pay application.
It is further preferred that in step S02, being reconstructed to preset algorithm in the step of obtaining mathematical algorithm, concrete bag
Include：
Mathematical algorithm is obtained according to the order of operation that key parameter changes preset algorithm；And/or,
Change the structure of the packet data block of preset algorithm and the order of operation of correspondence packet data block according to key parameter
Obtain mathematical algorithm；And/or,
Mathematical algorithm is obtained according to the preset parameter that key parameter changes preset algorithm.
It is further preferred that in step s 30, specifically wrap the step of certificate server is authenticated to the identity of user
Include：
In the terminal, the challenge code that certificate server issued according to ID authentication request and carry from safety insert
The application message for taking carries out computing and generates authentication code as the factor is calculated using mathematical algorithm, and the identity of generation is recognized
Card code is sent to network payment system by paying application；
In certificate server, the application extracted by the challenge code generated according to ID authentication request and from safety insert
Information generates authentication check code as calculating the factor, computing being carried out using mathematical algorithm, and right according to the authentication check code for generating
Network payment system forwarding authentication code verified, the authentication of user is realized with this.
It is further preferred that in step S10, receiving and paying concrete in the step of changing request using the pay status for sending
Including：
The log-on message that S11 is received and validation of payment application sends, the log-on message at least includes user name and login
Password；
S12 is received and is paid the pay status change request that application sends after log-on message is proved to be successful.
It is further preferred that in step S10, receiving and paying after the step of changing request using the pay status for sending also
Including：
Pay status change request according to receiving makes a look up and confirms to the current pay status of user, and generates
The current pay status list of user-association payment accounts, the current pay status include paying opening and paying locking shape
State.
It is further preferred that in step S30, being asked pay status change according to the identity authentication result of certificate server
Specifically include in the step of being responded：If to authenticating user identification success in certificate server, according to the payment for receiving
Status Change asks to change the pay status of respective pay account.
Present invention also offers a kind of network payment system, respectively with mobile terminal in payment application and certificate server
Communication connection, specifically includes in the network payment system：
First information transceiver module, for receiving, the pay status for paying application transmission change request and certificate server is sent out
The identity authentication result sent, and for sending the ID authentication request of user to certificate server；
Pay status change module, and pay status are changed according to the identity authentication result that first information transceiver module is received
Request is responded；
Change state issues module, and the pay status change result for pay status to be changed module is issued to payment should
With management of the realization to network payment system pay status.
It is further preferred that also include information authentication module and memory module in the network payment system, wherein,
The register user that is stored with memory module list, in the register user list network payment system is included in
The log-on message of middle register user；
Described information authentication module, receives according to the log-on message of each register user stored in memory module to the first information
Send out module receive log-on message verified, realize login of the user in network payment system.
It is further preferred that also including that pay status enquiry module and pay status confirm mould in the network payment system
Block, wherein,
The pay status enquiry module, the pay status change request for being received according to first information transceiver module is right
The current pay status of user are inquired about, and the current pay status include paying opening and payment lock-out state；And
After changing module to pay status change request response in pay status, further whether inquiry respective pay account is complete
Into pay status change；
The pay status confirm module, for carrying out really to the current pay status that pay status enquiry module finds
Recognize；
Present invention also offers a kind of pay status management system, the pay status management system includes that such as right will
The network payment system described in 9-11 any one is sought, it is described also including the payment application in mobile terminal and certificate server
It is stored with respectively in mobile terminal and certificate server and paid using the safety insert of unique association, the safety insert with described
Include application message and the mathematical algorithm with user's unique association；Wherein,
The payment application includes：
Second signal dispatcher module, for sending pay status change request, for choosing of receiving that certificate server issues
War code, and the authentication code for safety insert to be generated sent to certificate server；
The safety insert includes：
First information extraction module, for extracting application message and paying the challenge code received in application；
Authentication code generation module, the application message and challenge code for extracting is calculated as the factor, use and computing is calculated
Method carries out computing and generates authentication code；
The certificate server includes：
3rd signal dispatcher module, for receiving the ID authentication request of network payment system transmission, for receiving payment
Using generate authentication code, and for by the challenge code of generation send to pay application and by identity authentication result send to
Network payment system；
Challenge code generation module, according to the ID authentication request that the 3rd signal dispatcher module is received challenge code is generated at random；
Second information extraction modules, for the challenge code for extracting application message and generate；
Check code generation module, the application message and challenge code for extracting is calculated as the factor, use and computing is calculated
Method carries out computing and generates authentication check code；
Authentication code verifying module, for the authentication check code that generated according to check code generation module to the 3rd information transmit-receive mould
The authentication code that block is received is verified.
It is further preferred that also including in the certificate server：
Random number generation module, for generating random number according to the application message for receiving, and the random number is set as
Key parameter；
Algorithm reconstructed module, the order of operation for changing preset algorithm according to key parameter obtains mathematical algorithm, and/or
The order of operation of the structure and correspondence packet data block that change the packet data block of preset algorithm according to key parameter obtains computing
Algorithm, and/or mathematical algorithm is obtained according to the preset parameter of key parameter change preset algorithm；
Plug-in unit collector, for application message and mathematical algorithm to be compiled into into safety insert, and by the 3rd information transmit-receive
Module is back to the safety insert of generation in payment application.
Compared with prior art, the beneficial effects of the present invention is：
In the pay status management method and its system that the present invention is provided, user is registered in network payment system
During, certificate server is according to application message (specially generating a key parameter at random according to the application message) and sets in advance
The rule set is reconstructed to preset algorithm and obtains mathematical algorithm, and generation is deposited respectively with the safety insert of user's unique association
Storage is in mobile terminal (built-in payment application and safety insert) and certificate server.By the uniqueness of application message, generation
Random key possesses uniqueness naturally, and the uniqueness of the mathematical algorithm for obtaining has been ensured with this, according to the mathematical algorithm compiling
The safety insert of generation possess naturally uniqueness (in each mobile terminal store safety insert be it is unique, realization
Mechanism is different from), so substantially increase security performance, it is not easy to it is cracked.Even if the peace installed in a certain mobile terminal
Mathematical algorithm in full plug-in unit is cracked, and does not also interfere with the security performance of other users；Increased simultaneously and pay application
Personalized service, improves Consumer's Experience.
Further, during pay status management is carried out, the safety insert in mobile terminal is returned using certificate server
The challenging value for returning etc. is multifactor to generate the authentication code for possessing randomness as factor of safety, by one-time pad, a people
One close new irreversible cipher system, realizes purpose, substantially increases the security during pay status management.
Finally, the network payment system that the present invention is provided is applied to any one existing need to be propped up user's payment accounts
The system that function (such as the payment function of each bank card in banking system) is managed is paid, possesses universality in application, expanded significantly
Application is opened up.
Description of the drawings
Below by clearly understandable mode, preferred embodiment is described with reference to the drawings, to above-mentioned characteristic, technical characteristic,
Advantage and its implementation are further described.
Fig. 1 is pay status management method schematic flow sheet in the present invention；
Fig. 2 is a kind of embodiment schematic diagram of network payment system in the present invention；
Fig. 3 is network payment system another embodiment schematic diagram in the present invention；
Fig. 4 is network payment system another embodiment schematic diagram in the present invention；
Fig. 5 is pay status management system schematic diagram in the present invention.
Drawing reference numeral explanation：
100- network payment systems, 110- first information transceiver modules, 120- pay status change module, 130- change shapes
State issues module, and 140- information authentication modules, 150- pay status enquiry modules, 160- pay status confirm module, and 170- is deposited
Storage module, 200- certificate servers, the signal dispatcher modules of 210- the 3rd, 220- challenge code generation modules, 230- authentication code verifyings
Module, the information extraction modules of 240- second, 250- check code generation modules, 300- mobile terminals, 310- pays application, 320- peaces
Full plug-in unit, the signal dispatcher modules of 311- second, 321- first information extraction modules, 322- authentication code generation modules.
Specific embodiment
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below by control description of the drawings
The specific embodiment of the present invention.It should be evident that drawings in the following description are only some embodiments of the present invention, for
For those of ordinary skill in the art, on the premise of not paying creative work, can be obtaining other according to these accompanying drawings
Accompanying drawing, and obtain other embodiments.
The pay status management method schematic flow sheet of present invention offer is provided, is applied to answer with paying respectively
With the network payment system communicated to connect with certificate server, it can be seen that having in the pay status management method
Body is comprised the following steps：S10 is received and is paid the pay status change request that application sends；S20 is asked according to pay status change
The ID authentication request of user is sent to certificate server；S30 is according to the identity authentication result of certificate server to pay status
Change request is responded；S40 issues pay status and changes result to application is paid, and realizes to network payment system pay status
Management.In a particular embodiment, the application APP for network payment system, such as banking system application APP are applied in above-mentioned payment
Deng；Network payment system can be internet banking system etc..
In one embodiment, specifically include in step slo：The login that S11 is received and validation of payment application sends
Information, the log-on message at least includes user name and login password；S12 is received to pay and answered after log-on message is proved to be successful
With the pay status change request for sending.In a particular embodiment, the payment is applied as network payment system application APP
(Application, application program), in login process, user uses log-on message logging in network payment system application APP,
The communication port applied and between network payment system is paid to set up.Specifically, network payment system is receiving the login letter
After breath, with will its register user list with storage inside (before being managed to pay status, each user is in network
Carry out registering the register user list of generation in payment system) compare, complete the checking to log-on message.If using in registration
Relevant information is found in the list of family, then certification is successful and the homepage of the user is shown in using APP interfaces, and then in the master
Follow-up pay status change operation is completed in page.It is contrary, if network payment system is to log-on message authentication failed, immediately
Feedback validation failure information points out user to re-enter to login interface.
Specifically, it is assumed that the network payment system is internet banking system, then pay status change is specifically included to user-association silver
The change of the payment function of row account, such as opens or locks payment function under function of transferring accounts on the net, the line of Bank Account Number.It is assumed that
The network payment system is third party's network payment system, then pay status change is specifically included and pays work(to user-association account
The change of energy, such as opens or locks function of transferring accounts on the net, the online payment function of user-association account, by that analogy.One
In individual specific embodiment, the network payment system is internet banking system, and when user need not be transferred accounts on the net, user successfully steps on
This is recorded using after APP, a key lock function is selected in using APP homepage business options, will each Bank Account Number payment
State is changed to locking by unlatching.So, after authentication is carried out to user, network payment system is according to a key lock
Function closes one by one the function of transferring accounts on the net of the user-association Bank Account Number, and the personal Bank Account Numbers all under one's name of locking close net
Upper transferred account service, ensures the safety of each Bank Account Number.
In another embodiment, step S10 receive pay application send pay status change request the step of it
Also include afterwards：Pay status change request according to receiving makes a look up and confirms to the current pay status of user, and raw
Into the current pay status list of user-association payment accounts, current pay status include paying opening and paying locking shape
State.In a particular embodiment, user is used after log-on message Successful login network payment system application APP, network payment system
System can make a look up according to the pay status change request for receiving to the current pay status of user-association account, such as to user
The Bank Account Number of association is inquired about and is generated inquiry list, and and for example the current payment function of user-association Bank Account Number is carried out
Search.Specifically, if the pay status change request for receiving is the function of transferring accounts on the net of unlatching Bank Account Number, the bank is searched
Whether account current state is opening, if the result searched is currently at lock-out state for the Bank Account Number, sends true
Recognize request to confirm Status Change into payment application, afterwards into step S20；Otherwise send current state information
To paying in application, the user Bank Account Number current state is pointed out to be opening, it is not necessary to reopen.
Based on foregoing description, specifically, it is stored with respectively in mobile terminal and certificate server and pays application only
The safety insert of one association, to realize authentication of the certificate server to user, safety insert include application message and
With the mathematical algorithm that unique association is applied in payment.More particularly, the identity to user of certificate server is carried out in step S20
The step of certification, specifically includes：In the terminal, the challenge code that certificate server issued according to ID authentication request and from
The application message extracted in safety insert carries out computing and generates authentication code as the factor is calculated using mathematical algorithm, and will
The authentication code of generation is sent to network payment system by paying application；In certificate server, will be according to authentication
Challenge code and the application message of extraction carries out computing as the calculating factor, using mathematical algorithm from safety insert that request is generated
Authentication check code is generated, and the authentication code that network payment system is forwarded is verified according to the authentication check code for generating,
The authentication of user is realized with this.
In this course, safety insert is generated according to challenge code and specifically included in authentication code：Network payment system
The challenge code that certificate server is issued is received using APP；Subsequently, extract safety insert in store application message, and by its with
Challenge code carry out computing generation authentication code with mathematical algorithm and forward it to network collectively as calculating the factor, using
Pay system application APP；Finally, network payment system application APP sends authentication code to certificate server.
Certificate server is searched and the user couple after the authentication code is received according to the application message of the user
The safety insert answered (storage inside has the safety insert of each register user association in certificate server)；It is similar in application with paying
Ground, the application message in the safety insert for finding and the challenge code for generating uniquely are closed as the factor, use is calculated with user
The mathematical algorithm of connection carries out computing and generates authentication check code；And carry out the authentication check code of generation with the authentication code for receiving
Compare, complete the authentication to user.
If authentication code check success, illustrate that the user is validated user, then authorize network payment system to the use
The pay status of family correlation payment accounts are changed, i.e., network payment system is responded to pay status change request, such as
Request is changed according to pay status to be one by one turned on and off the function of transferring accounts on the net of each Bank Account Number in inquiry list；Otherwise,
The user is disabled user, does not enter follow-up operation.In addition, network payment system is ringing to pay status change request
After answering, whether in functional status, (inquiring about each related payment accounts is again to inquire about user's correlation payment accounts
It is no in opening), and in the interface of feedback of the information to network payment system application APP and will be shown after verification
Show, such as show that payment is locked successfully, realize that pay application unifies with the pay status of network payment system.
In a particular embodiment, above-mentioned safety insert is the software kit for providing the service of mobile terminal cipher system, it is built-in with
The mathematical algorithm and application message of user's unique association, specifically, if mobile terminal is Android system, in the form of so storehouses
Exist；If mobile terminal is ios systems, in the form of zip compressed packages.According to this, generate identity in safety insert and recognize
Before card code, the running environment of mobile terminal is detected first, including whether ROOT, the detection application of detection safety insert
Integrality, integrality, hardware information of testing equipment of detection safety insert of APP etc., only running environment meets condition,
Into follow-up step, user is otherwise pointed out to check running environment.
In addition, above-mentioned application message is and pays and apply related all information, including for identifying the current identity of user
Or the user profile of all information of state, e.g., user name, login password, geographical position etc.；Also include that paying application uses row
For such as time of payment, Transaction Information；In addition, also including all information for identifying equipment, e.g., IMEI
(International Mobile Equipment Identity, International Mobile Station Equipment Identification), IMSI (International
Mobile Subscriber Identification Number, international mobile subscriber identity), unit type, equipment
(Media Access Control are situated between for board, manufacturer, CPU (Central Processing Unit, central processing unit), MAC
Matter access control) address, IP (Internet Protocol, the agreement interconnected between network) address etc..
According to above-mentioned embodiment, if user's first time logging in online payment system, needs in the network payment system
In registered and certificate server generate and issue safety insert, concrete steps include：
User input user name and login password in the login interface of network payment system application APP, and generating registration please
Ask and be sent to network payment system；Network payment system is received after registration request, and the user name of user input is entered first
(specifically in this course, network payment system enters according to the user name for receiving in current register user list for row checking
Row is searched, if not finding identical user name, is proved to be successful)；If user name is verified, network payment system will be used
Name in an account book and login password associated storage form new register user list in current register user list, and the result is returned
It is back to and applies APP.
The result is received using APP, the application message (such as user mobile phone) of unique mark user and life are capable of in extraction
Send to network payment system into short message verification code request；Network payment system is received after the identifying code request, random raw
Into identifying code and feed back to payment application；Mobile phone receives and shows identifying code, and the identifying code is input in using APP, with this
Simultaneously identifying code certification request is generated to network payment system using APP；Network payment system receives identifying code certification request pair
Identifying code is authenticated；If certification success, send application message and safety insert generates request to certificate server.
Certificate server receives safety insert and generates request, first, according to the application message for receiving random number is generated, and will
Random number is set as key parameter；Subsequently, preset algorithm is reconstructed according to key parameter and obtains mathematical algorithm；Finally, will
The application message for receiving and the mathematical algorithm for generating compile obtain safety insert and be issued to pay application in the lump, and
Stored in mobile terminal.In a particular embodiment, preset algorithm here can be SM3 scheduling algorithms.For further,
Certificate server is reconstructed in the step of obtaining mathematical algorithm to preset algorithm, specifically includes：Change pre- according to key parameter
The order of operation of imputation method obtains mathematical algorithm；And/or, the structure of the packet data block of preset algorithm is changed according to key parameter
And the order of operation of correspondence packet data block obtains mathematical algorithm；And/or, the fixed ginseng of preset algorithm is changed according to key parameter
Number obtains mathematical algorithm.
The process that certificate server generates mathematical algorithm is described in detail below in conjunction with specific embodiment：
By change preset algorithm priority of operations generate mathematical algorithm a specific embodiment be：According to unique mark
The application message for knowing user generates at random one 8 random keys, then according to the random key for generating to each step of prediction algorithm
Priority of operations is rearranged.Now, if including 8 steps in preset algorithm, and the random key for generating is 31245768,
In the mathematical algorithm for then generating, the 3rd preferential computing of step in script preset algorithm, be then successively the 1st step, the 2nd
Individual step, the 4th step, the 5th step, the 7th step, the 6th step and the 8th step carry out computing, are changed with this
The computing sequencing of original preset algorithm, generates brand-new mathematical algorithm.Certainly, according to the random key, change pre-
The rule of imputation method can accordingly be changed according to actual conditions, and such as the 1st 3 in the random key is represented originally in advance
The 1st step in imputation method in 8 steps as mathematical algorithm in the 3rd step carry out computing；The 2nd in random key
In 1 representative transported the 2nd step in 8 steps in script preset algorithm as the 1st step in mathematical algorithm
Calculate, by that analogy, obtain the brand-new mathematical algorithm according to the mathematical algorithm.Certainly, the above we simply simply introduce two
Change the rule of priority of operations, setting can be re-started according to actual conditions, if having only included 6 steps in preset algorithm
Suddenly, then can be adjusted by changing the digit of the random key for generating, it is also possible to by 8 random keys for ignoring generation
Two come adaptive adjustment.
New mathematical algorithm is obtained by changing the packet configuration of preset algorithm and the priority of operations of packet configuration
One specific embodiment is：If according to the packet configuration rule of preset algorithm, operation information will be carried out and is divided into n data block,
And each data block includes 8 little piecemeals (a1, a2, a3, a4, a5, a6, a7 and a8), if now according to unique mark
The random random key for generating of application message for knowing user represents computing for the 1st in 73124568, and 8 random keys
Sequentially, the 2nd is the corresponding piecemeal of representative.Then in calculating process, positioned at the 2nd 3 expression piecemeal a3 exchange with piecemeal a1 with
This changes the packet configuration, positioned at the preferential computings of 7 expression piecemeal a7 of the 1st, with this purpose is realized.Above we are example
Property give a kind of specific embodiment, in other embodiments, to above-mentioned rule of classification (length of each data), random
The corresponding meaning of bits per inch word (such as piecemeal is exchanged) can be set according to actual conditions in key.
It is by a specific embodiment for changing the operational parameter of preset algorithm to obtain new mathematical algorithm：If it is pre-
Imputation method includes first latter two constant, respectively 1 and 2, also including a unknown several X.And according to unique mark user's
The random key that application message is randomly derived is 73124568, and the 3rd in the concrete random key represents the preset parameter, then
X in the preset algorithm is 1, and with this new mathematical algorithm is formed.Certainly, in another specific embodiment, it is also possible to according to
Existing constant term in 1 change preset algorithm in 3rd, such as by existing second constant 2 be changed in the 3rd 1, that is, give birth to
Into mathematical algorithm in two constants be all 1.
As a complete embodiment, if generate random key in first represent priority of operations, second generation
Table packet configuration, the 3rd represents constant term.Now, if the random key for generating is 35781246, then the a5 in grouping block
Change packet configuration, and the preferential computings of a3 are adjusted with a1, while a certain constant in mathematical algorithm is changed into into 7, are generated with this
With the mathematical algorithm of user's unique association.
Used as another embodiment, above-mentioned mobile terminal is mobile phone or panel computer etc., and paying application should for Mobile banking
With APP, network payment system is cell phone bank system.Then when user first logs in the Mobile banking and applies APP, in mobile phone silver
Row in the login interface of APP using inputing after user name and login password, and it is laggard that cell phone bank system carries out verifying to it
The checking of row short message verification code, finally generates safety insert in certificate server, and safety insert is returned in mobile terminal
Stored.
A kind of embodiment structural representation of network payment system of present invention offer, the network payment are provided
System is communicated to connect respectively with payment application and certificate server, it can be seen that having in the network payment system 100
Body includes：First information transceiver module 110, pay status changes module 120 and change state issues module 130, wherein, the
One signal dispatcher module changes module 120 with pay status respectively and change state issues module 130 and is connected, pay status change
Module 120 and change state issue module 130 and connect.
In the course of the work, first, first information transceiver module 110 is received to pay and become using 310 pay status for sending
More ask, and the ID authentication request of user is sent to certificate server according to the pay status change request；Subsequently, shape is paid
State changes module 120 pay status change request is responded according to the identity authentication result of certificate server；Finally, change
State issues module 130 and pay status change result is issued to into payment application, realizes to the pay status of network payment system 100
Management.
Above-mentioned embodiment is improved and obtains present embodiment, as shown in figure 3, in the present embodiment, the network
Except changing module 120 and change state including above-mentioned first information transceiver module 110, pay status in payment system 100
Issue outside module 130, also including the information for being verified to the log-on message that first information transceiver module 110 is received
Authentication module 140 and memory module 170.
In a particular embodiment, user uses log-on message logging in network payment system application APP, to set up network payment
Communication port between system application APP and network payment system 100.Specifically, first information transceiver module 110 is receiving this
After log-on message, information authentication module 140 with will its with memory module 170 in the register user list that stores (to paying
Before state is managed, each user carries out registering the register user list of generation in network payment system 100) compared
It is right, complete the checking to log-on message.If finding relevant information in register user list, certification success is simultaneously being applied
Show in APP interfaces and select in the homepage of the user, and then the business option in the homepage correlation function (such as a key lock work(
Can), change module 120 using pay status and complete follow-up pay status change operation.Contrary, if network payment system
100 pairs of log-on message authentication faileds, then immediately feedback validation failure information, to login interface, points out user to re-enter.
Above-mentioned embodiment is improved and obtains present embodiment, as shown in figure 4, in the present embodiment, the network
Except issuing including above-mentioned first information transceiver module 110, pay status change module 120, change state in payment system 100
Outside module 130, information authentication module 140 and memory module 170, also including pay status enquiry module 150 and payment shape
State confirms module 160, wherein, pay status enquiry module 150 is used for the payment shape received according to first information transceiver module 110
State change request makes a look up to the current pay status of user, and current pay status include paying opening and pay locking
State；Pay status confirm that module 160 is used to carry out really the current pay status that pay status enquiry module 150 finds
Recognize.
In a particular embodiment, user pays shape using after log-on message Successful login network payment system application APP
State enquiry module 150 can be looked into the current pay status of user-association account according to the pay status change request for receiving
Look for, such as the Bank Account Number of user-association is inquired about and inquiry list is generated, and for example to the current of user-association Bank Account Number
Payment function makes a look up.Specifically, if the pay status change request for receiving is the function of transferring accounts on the net of opening Bank Account Number,
Then pay status enquiry module 150 searches whether the Bank Account Number current state is opening, if the result searched is the silver
Row account is currently at lock-out state, then pay status confirm that module 160 sends confirmation request state is become into payment application
More confirmed；Current state information is otherwise sent to paying in application, the user Bank Account Number current state has been pointed out
For opening, it is not necessary to reopen.
The pay status management system schematic diagram that the present invention is also provided is illustrated in figure 5, above-mentioned pay status pipe is applied to
Reason method, the pay status management system includes above-mentioned network payment system 100, also applies using 310 and payment including paying
Positioned at the safety insert 320 and certificate server of same mobile terminal 300, the concrete safety insert 320 is included using letter
Cease and the mathematical algorithm with user's unique association, and safety insert 320 can be communicatively coupled with application is paid.
Wherein, paying application includes：Second signal dispatcher module 311, for sending pay status change request, is used for
The challenge code that certificate server is issued is received, and the authentication code for safety insert 320 to be generated is sent to authentication service
Device.
Safety insert 320 includes：First information extraction module 321, connects for extracting application message and paying in application
The challenge code of receipts；Authentication code generation module 322, for will extract application message and challenge code as calculate the factor, using with
The mathematical algorithm of user's unique association carries out computing and generates authentication code.
Certificate server 200 includes：3rd signal dispatcher module 210, challenge code generation module 220, authentication code verifying
Module 230, the second information extraction modules 240 and check code generation module 250, wherein, challenge code generation module 220 and certification
Code authentication module 230 is connected respectively with the 3rd signal dispatcher module 210, and the second information extraction modules 240 are given birth to respectively with challenge code
Connect into module 220 and check code generation module 250, check code generation module 250 is connected with authentication code verifying module 230.The
Three signal dispatcher modules 210 are used to receive the ID authentication request of the transmission of network payment system 100, pay application for receiving
The 310 authentication codes for generating, and send using 310 and by identity authentication result for the challenge code of generation to be sent to payment
To network payment system 100；The ID authentication request that challenge code generation module 220 is received according to the 3rd signal dispatcher module 210
It is random to generate challenge code；Second information extraction modules are used for the challenge code for extracting application message and generating；Check code generation module
For the application message and challenge code of extraction to be carried out into computing generation authentication check as the calculating factor, using with mathematical algorithm
Code；Authentication code verifying module 230 is used to verify the authentication code that the 3rd signal dispatcher module 210 is received.
The second signal dispatcher module 311 in applying 310 is paid in the course of the work receives the 3rd letter in certificate server 200
The first information for ceasing the challenge code for issuing of transceiver module 210 and the challenge code for receiving being forwarded in safety insert 320 is extracted
In module 310；At the same time, first information extraction module 321 extracts application message, and challenge code and application message are turned simultaneously
It is sent to challenge code generation module 220；Afterwards, challenge code generation module 220 using application message and challenge code as calculating the factor, make
Generated authentication code and forwarded it to the second signal dispatcher module with computing is carried out with the mathematical algorithm of user's unique association
311；Finally, the second signal dispatcher module 311 sends authentication code to certificate server 200.
The 3rd signal dispatcher module 210 in certificate server 200 after the authentication code is received, the second information
Extraction module 240 extract safety insert in application message and generate challenge code (in certificate server 200 storage be used for
The safety insert of unique association) and send it in check code generation module 250, check code generation module 250 will be using letter
Breath and the challenge code for generating carry out computing generation authentication check as calculating the factor, using with the mathematical algorithm of user's unique association
Code；Finally, authentication code verifying module 230 compares the authentication check code of generation with the authentication code for receiving, and completes right
The authentication of user.
If authentication code check success, illustrate that the user is validated user, then authorize the user to pay a bill related
Number pay status changed, i.e., pay status in network payment system 100 change module 120 please to pay status change
Ask and responded, such as change request according to pay status and one by one open the function of transferring accounts on the net of each Bank Account Number in inquiry list
Or close；Otherwise, the user is disabled user, does not enter follow-up operation.In addition, network payment system 100 is to paying shape
After state change request is responded, can again inquire about whether user's correlation payment accounts are in functional status, and confirm
State is changed afterwards issue module 130 in the interface of feedback of the information to network payment system application APP and will be shown, it is such as aobvious
Show that payment lock successfully etc., realize paying the pay status unification using 310 with network payment system 100.
More particularly, above-mentioned application message be and pay apply related all information, including for identify user ought
The user profile of all information of front twinship, e.g., user name, login password, geographical position etc.；Also include paying application
Usage behavior, such as time of payment, Transaction Information；In addition, also including all information for identifying equipment, e.g., IMEI
(International Mobile Equipment Identity, International Mobile Station Equipment Identification), IMSI (International
Mobile Subscriber Identification Number, international mobile subscriber identity), unit type, equipment
(Media Access Control are situated between for board, manufacturer, CPU (Central Processing Unit, central processing unit), MAC
Matter access control) address, IP (Internet Protocol, the agreement interconnected between network) address etc..
According to above-mentioned embodiment, if user's first time logging in online payment system 100, needs in the network payment system
Registered in system 100 and generated and issued safety insert in certificate server 200, concrete steps are included：
User input user name and login password in the login interface of network payment system application APP, and generating registration please
Ask and be sent to network payment system 100；Network payment system 100 is received after registration request, first to the use of user input
Name in an account book verified (specifically in this course, network payment system 100 according to the user name for receiving in current register user
Make a look up in list, if not finding identical user name, be proved to be successful)；If user name is verified, network payment
User name and login password associated storage are formed new register user list by system 100 in current register user list, and
The result is back to and applies APP.
The result is received using APP, the application message (such as user mobile phone) of unique mark user and life are capable of in extraction
Send to network payment system 100 into short message verification code request；Network payment system 100 is received after the identifying code request,
It is random to generate identifying code and feed back to mobile phone；Mobile phone receives and shows identifying code, and the identifying code is input in using APP, with
This generates identifying code certification request to network payment system 100 using APP simultaneously；Network payment system 100 receives identifying code to be recognized
Card request is authenticated to identifying code；If certification success, send application message and safety insert 320 generates request to certification clothes
Business device 200.
Certificate server 200 receives safety insert and generates request, changes default according to the application message of unique mark user
The priority of operations and/or packet configuration of algorithm and/or operational parameter, generate mathematical algorithm；By the mathematical algorithm compiling for generating
Into safety insert, and the safety insert of generation is back in payment application and in mobile terminal via network payment system 100
In stored.
It can be seen that, also include in certificate server 200：Algorithm reconstructed module and plug-in unit collector, wherein, algorithm reconstruct mould
Block is used for the application message of the safety insert generation request and unique mark user received according to the 3rd signal dispatcher module 210 and changes
Become the priority of operations and/or packet configuration and/or operational parameter of preset algorithm, generate mathematical algorithm；Plug-in unit collector, uses
Safety insert, and the safety that will be generated by the 3rd signal dispatcher module 210 are compiled in the mathematical algorithm that algorithm is reconstructed generation
Plug-in unit is back to payment and applies in 310 via network payment system 100, and specific algorithm restructuring procedure is in pay status management method
In to make corresponding description, will not be described here.
It should be noted that above-described embodiment can independent assortment as needed.The above is only the preferred of the present invention
Embodiment, it is noted that for those skilled in the art, in the premise without departing from the principle of the invention
Under, some improvements and modifications can also be made, these improvements and modifications also should be regarded as protection scope of the present invention.
Claims (13)
1. a kind of pay status management method, it is characterised in that be applied to network payment system, the network payment system difference
Apply and certificate server communication connection with the payment in mobile terminal, the pay status management method includes following step
Suddenly：
S10 is received and is paid the pay status change request that application sends；
S20 changes the ID authentication request that request sends user to certificate server according to the pay status；
S30 is responded according to the identity authentication result of certificate server to pay status change request；
S40 issues pay status and changes result to application is paid, and realizes the management to network payment system pay status.
2. pay status management method as claimed in claim 1, it is characterised in that in the mobile terminal and certificate server
Middle being stored with respectively pay using the safety insert of unique association, to realize that certificate server is recognized the identity of user with described
Card, the safety insert includes application message and the mathematical algorithm of unique association is applied with payment.
3. pay status management method as claimed in claim 2, it is characterised in that in step s 30, certificate server to
Before the identity at family is authenticated, also computing is obtained according to the application message computing for paying application submission including certificate server and calculated
Method and the step of be compiled into safety insert, specifically includes：
S01 generates random number according to the application message for receiving, and the random number is set as into key parameter；
S02 is reconstructed to preset algorithm according to the key parameter and obtains mathematical algorithm；
The application message for receiving and the mathematical algorithm for generating are compiled in the lump and obtain safety insert and be issued to payment by S03
Using.
4. pay status management method as claimed in claim 3, it is characterised in that in step S02, weight is carried out to preset algorithm
In the step of structure obtains mathematical algorithm, specifically include：
Mathematical algorithm is obtained according to the order of operation that key parameter changes preset algorithm；And/or,
The order of operation of the structure and correspondence packet data block that change the packet data block of preset algorithm according to key parameter is obtained
Mathematical algorithm；And/or,
Mathematical algorithm is obtained according to the preset parameter that key parameter changes preset algorithm.
5. the pay status management method as described in claim 2-4 any one, it is characterised in that in step s 30, certification
The step of server is authenticated to the identity of user specifically includes：
In the terminal, the challenge code for certificate server being issued according to ID authentication request and the extraction from safety insert
Application message carries out computing and generates authentication code, and the authentication code that will be generated as the factor is calculated using mathematical algorithm
Sent to network payment system by paying application；
In certificate server, the application message extracted by the challenge code generated according to ID authentication request and from safety insert
Authentication check code is generated as calculating the factor, computing being carried out using mathematical algorithm, and according to the authentication check code for generating to network
Payment system forwarding authentication code verified, the authentication of user is realized with this.
6. the pay status management method as described in claim 1-4 any one, it is characterised in that in step S10, receives
Specifically include in the step of paying the pay status change request of application transmission：
The log-on message that S11 is received and validation of payment application sends, the log-on message at least includes user name and login password；
S12 is received and is paid the pay status change request that application sends after log-on message is proved to be successful.
7. pay status management method as claimed in claim 6, it is characterised in that in step S10, receives and pays application and send
Pay status change request the step of after also include：
Pay status change request according to receiving makes a look up and confirms to the current pay status of user, and generates user
The current pay status list of association payment accounts, the current pay status include paying opening and payment lock-out state.
8. the pay status management method as described in claim 1-4 any one, it is characterised in that in step S30, according to recognizing
Specifically include in the step of identity authentication result of card server is responded to pay status change request：If certificate server
In to authenticating user identification success, then the pay status of respective pay account are entered according to the pay status change request for receiving
Row change.
9. a kind of network payment system, it is characterised in that apply with the payment in mobile terminal communicated with certificate server respectively
Connection, specifically includes in the network payment system：
First information transceiver module, pays using the pay status change request and certificate server transmission for sending for receiving
Identity authentication result, and for sending the ID authentication request of user to certificate server；
Pay status change module, and pay status change is asked according to the identity authentication result that first information transceiver module is received
Responded；
Change state issues module, and the pay status change result for pay status to be changed module is issued to payment application,
Realize the management to network payment system pay status.
10. network payment system as claimed in claim 9, it is characterised in that
Also include information authentication module and memory module in the network payment system, wherein,
The register user that is stored with memory module list, is included in network payment system in the register user list and notes
The log-on message of volume user；
Described information authentication module, mould is received and dispatched according to the log-on message of each register user stored in memory module to the first information
Block receive log-on message verified, realize login of the user in network payment system.
11. network payment systems as claimed in claim 10, it is characterised in that also include paying in the network payment system
State-query module and pay status confirm module, wherein,
The pay status enquiry module, the pay status change for being received according to first information transceiver module is asked to user
Current pay status inquired about, the current pay status include pay opening and pay lock-out state；And be used for
After pay status change module changes request response to pay status, further inquire about whether respective pay account completes to prop up
Pay Status Change；
The pay status confirm module, for confirming to the current pay status that pay status enquiry module finds.
12. a kind of pay status management systems, it is characterised in that the pay status management system is included such as claim 9-
Network payment system described in 11 any one, also including the payment application in mobile terminal and certificate server, the movement
It is stored with respectively in terminal and certificate server and paid using the safety insert of unique association with described, wraps in the safety insert
Include application message and the mathematical algorithm with user's unique association；Wherein,
The payment application includes：
Second signal dispatcher module, for sending pay status change request, for receiving the challenge code that certificate server is issued,
And the authentication code for safety insert to be generated is sent to certificate server；
The safety insert includes：
First information extraction module, for extracting application message and paying the challenge code received in application；
Authentication code generation module, for the application message and challenge code of extraction to be entered as the factor, use is calculated with mathematical algorithm
Row computing generates authentication code；
The certificate server includes：
3rd signal dispatcher module, for receiving the ID authentication request of network payment system transmission, for receiving payment application
The authentication code of generation, and send to network to payment application and by identity authentication result for the challenge code of generation to be sent
Payment system；
Challenge code generation module, according to the ID authentication request that the 3rd signal dispatcher module is received challenge code is generated at random；
Second information extraction modules, for the challenge code for extracting application message and generate；
Check code generation module, for the application message and challenge code of extraction to be entered as the factor, use is calculated with mathematical algorithm
Row computing generates authentication check code；
Authentication code verifying module, the authentication check code for being generated according to check code generation module connects to the 3rd signal dispatcher module
The authentication code of receipts is verified.
13. pay status management systems as claimed in claim 12, it is characterised in that also include in the certificate server：
Random number generation module, for generating random number according to the application message for receiving, and is set as key by the random number
Parameter；
Algorithm reconstructed module, the order of operation for changing preset algorithm according to key parameter obtains mathematical algorithm, and/or according to
Key parameter changes the structure of the packet data block of preset algorithm and the order of operation of correspondence packet data block obtains mathematical algorithm,
And/or mathematical algorithm is obtained according to the preset parameter of key parameter change preset algorithm；
Plug-in unit collector, for application message and mathematical algorithm to be compiled into into safety insert, and by the 3rd signal dispatcher module
The safety insert of generation is back in payment application.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610894778.0A CN106656969A (en) | 2016-10-13 | 2016-10-13 | Payment state management method and system thereof, and network payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610894778.0A CN106656969A (en) | 2016-10-13 | 2016-10-13 | Payment state management method and system thereof, and network payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106656969A true CN106656969A (en) | 2017-05-10 |
Family
ID=58856704
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610894778.0A Pending CN106656969A (en) | 2016-10-13 | 2016-10-13 | Payment state management method and system thereof, and network payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106656969A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107358425A (en) * | 2017-06-29 | 2017-11-17 | 湖南搜云网络科技股份有限公司 | The calculating of tranaction costs and method of payment and device, transaction platform and storage medium |
| CN107392616A (en) * | 2017-07-19 | 2017-11-24 | 上海众人网络安全技术有限公司 | A kind of risk determination method and device for payment authentication system |
| WO2020133028A1 (en) * | 2018-12-27 | 2020-07-02 | 深圳市优必选科技有限公司 | Electronic payment transaction system and method |
| CN111932244A (en) * | 2020-07-24 | 2020-11-13 | 中国银联股份有限公司 | Information processing method, device, equipment and medium |
| CN112036891A (en) * | 2020-09-01 | 2020-12-04 | 中国银行股份有限公司 | Transaction control method and device, computer equipment and computer-readable storage medium |
| CN113379418A (en) * | 2021-06-21 | 2021-09-10 | 上海盛付通电子支付服务有限公司 | Information verification method, device, medium, and program product based on security plug-in |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103944737A (en) * | 2014-05-06 | 2014-07-23 | 中国联合网络通信集团有限公司 | User identity authentication method, third-party authentication platform and operator authentication platform |
| CN104579671A (en) * | 2013-10-29 | 2015-04-29 | 中国银联股份有限公司 | Authentication method and system |
| CN105516195A (en) * | 2016-01-19 | 2016-04-20 | 上海众人网络安全技术有限公司 | Security authentication system and security authentication method based on application platform login |
| CN105959942A (en) * | 2016-04-25 | 2016-09-21 | 上海众人网络安全技术有限公司 | Identification authentication system and identification authentication method based on wireless access |
-
2016
- 2016-10-13 CN CN201610894778.0A patent/CN106656969A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104579671A (en) * | 2013-10-29 | 2015-04-29 | 中国银联股份有限公司 | Authentication method and system |
| CN103944737A (en) * | 2014-05-06 | 2014-07-23 | 中国联合网络通信集团有限公司 | User identity authentication method, third-party authentication platform and operator authentication platform |
| CN105516195A (en) * | 2016-01-19 | 2016-04-20 | 上海众人网络安全技术有限公司 | Security authentication system and security authentication method based on application platform login |
| CN105959942A (en) * | 2016-04-25 | 2016-09-21 | 上海众人网络安全技术有限公司 | Identification authentication system and identification authentication method based on wireless access |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107358425A (en) * | 2017-06-29 | 2017-11-17 | 湖南搜云网络科技股份有限公司 | The calculating of tranaction costs and method of payment and device, transaction platform and storage medium |
| CN107358425B (en) * | 2017-06-29 | 2021-04-20 | 湖南搜云网络科技股份有限公司 | Transaction fee calculation and payment method and device, transaction platform and storage medium |
| CN107392616A (en) * | 2017-07-19 | 2017-11-24 | 上海众人网络安全技术有限公司 | A kind of risk determination method and device for payment authentication system |
| WO2020133028A1 (en) * | 2018-12-27 | 2020-07-02 | 深圳市优必选科技有限公司 | Electronic payment transaction system and method |
| CN111932244A (en) * | 2020-07-24 | 2020-11-13 | 中国银联股份有限公司 | Information processing method, device, equipment and medium |
| WO2022016843A1 (en) * | 2020-07-24 | 2022-01-27 | 中国银联股份有限公司 | Information processing method and apparatus, device and medium |
| TWI797638B (en) * | 2020-07-24 | 2023-04-01 | 大陸商中國銀聯股份有限公司 | Information processing method, device, equipment and medium |
| CN111932244B (en) * | 2020-07-24 | 2023-10-20 | 中国银联股份有限公司 | Information processing method, device, equipment and medium |
| CN112036891A (en) * | 2020-09-01 | 2020-12-04 | 中国银行股份有限公司 | Transaction control method and device, computer equipment and computer-readable storage medium |
| CN112036891B (en) * | 2020-09-01 | 2023-09-19 | 中国银行股份有限公司 | Transaction control method and device, computer equipment and computer readable storage medium |
| CN113379418A (en) * | 2021-06-21 | 2021-09-10 | 上海盛付通电子支付服务有限公司 | Information verification method, device, medium, and program product based on security plug-in |
| CN113379418B (en) * | 2021-06-21 | 2024-04-05 | 上海盛付通电子支付服务有限公司 | Information verification method, device, medium and program product based on security plug-in |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106656969A (en) | Payment state management method and system thereof, and network payment system | |
| CN101414909B (en) | System, method and mobile communication terminal for verifying network application user identification | |
| CN105516195B (en) | A kind of security certification system and its authentication method based on application platform login | |
| JP5739008B2 (en) | Method, apparatus, and system for verifying a communication session | |
| CN104883293B (en) | Method for message interaction and relevant apparatus and communication system | |
| CN101072384A (en) | Mobile phone payment method and system based on mobile phone bank | |
| CN103905194B (en) | Identity traceability authentication method and system | |
| CN103200176A (en) | Identification method, identification device and identification system based on bank independent communication channel | |
| CN106779716A (en) | Authentication method, apparatus and system based on block chain account address | |
| CN101496344A (en) | Method and system having self-setting authentication formula for webs bank payment and identification confirmation | |
| CN104967553B (en) | Method for message interaction and relevant apparatus and communication system | |
| CN102148685A (en) | Method and system for dynamically authenticating password by multi-password seed self-defined by user | |
| CN105227520B (en) | A kind of account password setting and the method and system of authenticating user identification | |
| CN105959942A (en) | Identification authentication system and identification authentication method based on wireless access | |
| CN103577983A (en) | Load method of electronic currency for off-line consumption | |
| TWI696133B (en) | Identity verification method, client, server and system | |
| CN101299254A (en) | Payment system and payment method thereof | |
| CN106411950A (en) | Block-chain transaction ID based authentication method, device and system | |
| CN102238193A (en) | Data authentication method and system using same | |
| CN106230824A (en) | A kind of mobile device authentic authentication system and method | |
| KR101499906B1 (en) | Smart card having OTP generation function and OTP authentication server | |
| CN104933565A (en) | IC card transaction method and IC card transaction system | |
| CN106850693A (en) | The method and real-name authentication system of a kind of real-name authentication | |
| CN103037323A (en) | Random code verification system based on mobile terminal and verification method thereof | |
| CN105515781A (en) | Login system of application platform and login method thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170510 |