CN107085788A - A kind of new safe payment method - Google Patents
A kind of new safe payment method Download PDFInfo
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- CN107085788A CN107085788A CN201710262077.XA CN201710262077A CN107085788A CN 107085788 A CN107085788 A CN 107085788A CN 201710262077 A CN201710262077 A CN 201710262077A CN 107085788 A CN107085788 A CN 107085788A
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- Prior art keywords
- payment
- user
- platform end
- payment platform
- terminal
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- 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.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/3821—Electronic credentials
-
- 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
Abstract
The invention discloses a kind of new safe payment method, method is as follows：Step 1), user first payment terminal to payment platform end complete register, two options in payment platform end are selected in registration process and are kept in mind, can hide, will not occur again after confirmation, but this two contents can be stored in inside payment platform, for checking and approving transaction；Step 2), when user's shopping on the web need to be paid, initiate to pay request to payment platform end by payment terminal, payment platform end differentiates the information of paying party user, and Transaction Information is sent into businessman's user terminal confirmed.The numeral and two encrypted contents of computing selected when the present invention is by user's registration realizes the confirmation to user identity, improves the security of payment.
Description
Technical field
The invention belongs to safe payment method field, specifically, it is related to a kind of new safe payment method.
Background technology
Shopping online and payment also bring new potential safety hazard, due to transaction while being offered convenience for consumer
Data need to propagate on the internet, and internet is an open network, and therefore, transaction data is easily trapped, stolen
And change.
Payment platform establishes public a, intermediary that can be trusted exactly between businessman and user, due to consumption
Person surfs the Net, and long-term contacts make him establish trust to payment platform, and the requirement of electronic payment safety mainly includes four aspects：
1st, the security of data transfer:Security requirement to data transfer is to ensure the data transmitted on public network not by third party
Steal.2nd, the integrality of data:Integrality demand to data refers to that data are not tampered with transmitting procedure.3rd, identity is tested
Card:Because online communicating pair is not met mutually, it is necessary to the true identities such as other side are confirmed (during exchanging sensitive information) in transaction；
When being related to payment, in addition it is also necessary to confirm whether the account information of other side is authentic and valid.4th, the non-repudiation of transaction:Online transaction
Each side when carrying out data transmission, it is necessary to it is with unique characteristics, can not by others replicate information, to ensure transaction
Verified during dispute.
For four requirements of electronic payment safety, the wherein integrality of data and the non repudiation prior art of transaction
It has been reached that, but can not have been avoided completely for stealing for the personal information such as accounts information, account and password, therefore except account
Outside the personal information such as information, account and password, the true identity of user can be recognized without other methods.
By upper analysis it is recognised that being had the following disadvantages in current commonplace method of payment：
1st, the expense and expense built are greatly, transaction cost increases, the convenience of transaction is reduced.
2nd, in the discrimination process of trade user, the link of encryption will ensure that never having any one third party can steal
Hear or steal and arrive card number and password, any third party has card number and password can be carried out any transaction, it is impossible to differentiate
The true identity of user.The identity of paying party can not be differentiated, it is impossible to the security guaranteed payment.
The content of the invention
The technical problem to be solved in the present invention is to overcome drawbacks described above to be connected there is provided a kind of suspicious network towards main frame
Recognition methods, the numeral and two encrypted contents of computing selected during by user's registration realizes the confirmation to user identity, carries
The high security paid, overcomes card number and the stolen shortcoming that fund can be caused to lose of password, and the design of numeral and computing makes
To the calculating of identifying code easily, not complicated computing, user can select oneself to like best most suitable user
Computational methods, and this safe payment method is due to the uniqueness of its authentication, goes for all terminals, when user's frequency
Numerous the problems such as need not consider to verify again when changing terminal, while being also used as another road defence line after payment cipher, checking is used
Family identity, this safe payment method provides the authentication of paying party, it is ensured that the security of payment.
To solve the above problems, the technical solution adopted in the present invention is：
A kind of new safe payment method, it is characterised in that：Method is as follows：
Step 1), user complete to register first to payment platform end in payment terminal, selection pays flat in registration process
Two options in you are simultaneously kept in mind, and can hide, will not occur again after confirmation, but this two contents can be stored in branch
Platform interior is paid, for checking and approving transaction；
Step 2), when user's shopping on the web need to be paid, by payment terminal to payment platform end initiate pay request,
Payment platform end differentiates the information of paying party user, and Transaction Information is sent into businessman's user terminal confirmed, businessman user
End confirms after transaction that the confirmation of payment cipher is initiated at payment platform end to payment terminal, and payment cipher input is correct, then pays
Platform end will send 5 identifying codes to payment terminal, be handled by active user, and user need to be according to two selected when registering
Content carries out simple operations to 5 identifying codes, and new 5 identifying codes calculated are sent to payment platform end, and payment platform end
Also new 5 identifying codes have been calculated by two contents stored, so that whether new 5 identifying codes for checking and approving user's transmission are correct,
If correct, pay successfully, and successful message of merchandising is sent to payment terminal and businessman user.
Be used as a kind of technical scheme of optimization, step 1) in two options in payment platform end specific embodiment such as
Under：
Payment platform end possesses the content of two data encryptions, and first option is numeral, and second option is fortune
Calculation method；
First, user is in registration, a kind of optional digital and essential computing for selecting any n digits, wherein n≤5, fortune
Calculation method includes：Plus, subtract, first n plus/minus is digital respectively, latter n plus/minus is digital respectively, the one three five difference plus/minus number
Word, the two or four difference plus/minus numeral, exchanging X and Y digits, (X≤5, Y≤5), exchange X and Y are simultaneously exchanged
M and H digits, exchange m digits after add and subtract again；
User, which should try one's best, makes the digital and corresponding computing of selection simple easy to remember easy to operate, is finished in selection, it is ensured that remember
Afterwards, click on and determine and hide；It there will not be the information of the part in later all pages, selected two contents are only
There is payment platform encryption storage.
As a kind of technical scheme of optimization, when user needs to pay, send and ask to payment platform end, it is flat paying
The information of paying party user is received and differentiated in you, after confirmation is correct, Transaction Information is sent to businessman's user terminal and entered
Row confirms that businessman's user terminal is confirmed after transaction, and payment platform end initiates the confirmation of payment cipher, payment terminal to payment terminal
User confirms that correctly input payment cipher gives payment platform end to Transaction Information afterwards, and the payment cipher for checking and approving input is correct, then pays
Platform end sends 5 identifying codes to payment terminal；
Payment terminal user is operated the identifying code of 5 according to two contents selected by oneself, 5 new digits of generation
Word；5 newly-generated bit digitals are finally sent to payment platform end, payment platform end is also calculated by two contents stored
New 5 identifying codes, so that whether new 5 identifying codes for checking and approving user's transmission are correct, if correctly, pay successfully, and to branch
Pay terminal and businessman's user terminal sends the successful message of transaction.
By adopting the above-described technical solution, compared with prior art, the numeral selected when the present invention is by user's registration
The confirmation to user identity is realized with two encrypted contents of computing, the security of payment is improved, overcomes card number and password
The design of the stolen shortcoming that fund can be caused to lose, numeral and computing makes calculating of the user to identifying code very convenient, not multiple
Miscellaneous computing, user can select oneself to like best most suitable computational methods, and this safe payment method is due to it
The uniqueness of authentication, goes for all terminals, the problems such as need not considering to verify again when user frequently changes terminal,
Another road defence line after payment cipher is also used as simultaneously, user identity is verified, this safe payment method provides payment
The authentication of side, it is ensured that the security of payment.
Brief description of the drawings：
Fig. 1 is payment flow schematic diagram of the present invention；
Fig. 2 is payment terminal layer module figure of the present invention；
Fig. 3 is present system security framework figure.
Embodiment
Embodiment：
As Figure 1-3, a kind of new safe payment method, method is as follows：
Step 1), user complete to register first to payment platform end in payment terminal, selection pays flat in registration process
Two options in you are simultaneously kept in mind, and can hide, will not occur again after confirmation, but this two contents can be stored in branch
Platform interior is paid, for checking and approving transaction.
The specific embodiment of two options in payment platform end is as follows：
Payment platform end possesses the content of two data encryptions, and first option is numeral, and second option is fortune
Calculation method.
First, user is in registration, a kind of optional digital and essential computing for selecting any n digits, wherein n≤5, fortune
Calculation method includes：Plus, subtract, first n plus/minus is digital respectively, latter n plus/minus is digital respectively, the one three five difference plus/minus number
Word, the two or four difference plus/minus numeral, exchanging X and Y digits, (X≤5, Y≤5), exchange X and Y are simultaneously exchanged
M and H digits, exchange m digits after add and subtract again.
User, which should try one's best, makes the digital and corresponding computing of selection simple easy to remember easy to operate, is finished in selection, it is ensured that remember
Afterwards, click on and determine and hide；It there will not be the information of the part in later all pages, selected two contents are only
There is payment platform encryption storage.
Step 2), when user's shopping on the web need to be paid, by payment terminal to payment platform end initiate pay request,
Payment platform end differentiates the information of paying party user, and Transaction Information is sent into businessman's user terminal confirmed, businessman user
End confirms after transaction that the confirmation of payment cipher is initiated at payment platform end to payment terminal, and payment cipher input is correct, then pays
Platform end will send 5 identifying codes to payment terminal, be handled by active user, and user need to be according to two selected when registering
Content carries out simple operations to 5 identifying codes, and new 5 identifying codes calculated are sent to payment platform end, and payment platform end
Also new 5 identifying codes have been calculated by two contents stored, so that whether new 5 identifying codes for checking and approving user's transmission are correct,
If correct, pay successfully, and successful message of merchandising is sent to payment terminal and businessman user.
Specifically, when user needs to pay, send and ask to payment platform end, receive and reflect in payment platform end
The information of other paying party user, after confirmation is correct, is sent to businessman's user terminal by Transaction Information and is confirmed, businessman user
End confirms after transaction that the confirmation of payment cipher is initiated at payment platform end to payment terminal, and payment terminal user confirms transaction letter
Input payment cipher gives payment platform end after breath is correct, and the payment cipher for checking and approving input is correct, then payment platform end sends 5 and tested
Code is demonstrate,proved to payment terminal.
Payment terminal user is operated the identifying code of 5 according to two contents selected by oneself, 5 new digits of generation
Word；5 newly-generated bit digitals are finally sent to payment platform end, payment platform end is also calculated by two contents stored
New 5 identifying codes, so that whether new 5 identifying codes for checking and approving user's transmission are correct, if correctly, pay successfully, and to branch
Pay terminal and businessman's user terminal sends the successful message of transaction.
Whole electronic fare payment system is divided into payment terminal, payment platform end and merchant client, this three big end part.User
It is traded in payment terminal, then uploads transaction data to payment platform end, carried out from payment platform end to merchant client
Confirm, handled again after being confirmed, finally return to trading processing result.Payment terminal is directly interacted with user, is born
The collection, processing and transmission of data are blamed, it is necessary to access the hardware such as cell phone keyboard, in addition it is also necessary to communicated, used with payment platform end
Family can directly be paid, rather than pass through businessman by logging in payment platform using the ideal money in oneself virtual account
Transfer is carried out, it is ensured that the safety of user account information, while being also simplified payment flow.Therefore, in order to embody encapsulation,
Orderly principle, system is divided into application layer, logic business layer, three levels of data Layer by us.
Data Layer includes Data access module, two modules of database module.Logic business layer provides service logic mould
Block, communication module, secure verification module and transceiver module etc., by service logic, communication logic, safety verification and transmitting-receiving etc. respectively
Encapsulation in the inner, is called for application layer.Application layer includes system platform management module, fund AM access module etc..
The bottom is data Layer in three-decker, and it realizes the system to data for the data, services needed for upper two layers provides
One management and the control of authority of data access, and corresponding the affair logic support and mathematical logic branch can be provided according to specific needs
Hold.Data Layer includes database module and database access module two parts.Data access module comprising some file verifications code,
File path and version number information etc., magnanimity business data and other related file systems needed for management system transaction, according to
Upper strata calls the demand to be operated accordingly.Database module stores the classified papers and mass data of system.
Logic business layer is the basic platform of application layer, is the core layer of various service guarantees and business, each by providing
Logic realizes the specific logic of application layer between kind of business and business, reaches the purpose for realizing application level function demand.Logic
Individual business logic in operation layer by the interface interchange to data Layer, make data from database flow to logic business layer or
Application layer.Logic business layer includes business logic modules, communication module, secure verification module and transceiver module etc..
Business logic modules：Include the mass data processing needed for miscellaneous service logic, system operation, various communication marks
The contents such as the mutual contact mode of quasi- agreement and distributed system.Logic realizes application to correspond between providing miscellaneous service logical sum business
Each functional requirement of layer.
Communication module：When transmitting data by network service, this two encryption skills are encrypted with reference to software cryptography and hardware
Computing is encrypted in data by art, it is ensured that the confidentiality of data.There is security, integrality, confidentiality in transmitting procedure
And verifiability, just it is necessary to have a safe host-host protocol for this.HTTPS is selected to lead to as the transmission of each platform data
Road, all uses ciphertext form, it is ensured that confidentiality and security when data are transmitted by HTTPS agreements.Plaintext is carried out
Cryptographic calculation, generates HTTPS ciphertext messages, it is ensured that data are in the security of mobile interchange transfers on network process, reliability, complete
Property etc..Data encryption, hashing algorithm, data signature and digital certificate verify to communication entity and data, not only can be real
Existing Security Data Transmission, can also realize the confidentiality and integrity of data, the non repudiation of communication entity and confirmability.
Secure verification module：By calling the log-on data of data Layer, verify that the account of customer digital certificate and login is close
Whether code is correct, and the system has also been especially added with the checking to login user true identity, by sending identifying code to user, makes
Two contents selected when user is according to registration carry out corresponding calculate to identifying code and obtain new identifying code, return to this module.Peace
Full authentication module is called by the registration content to this user in database, also calculates obtained result to identifying code and user is anti-
The result of feedback is contrasted, if unanimously, for I, if it is inconsistent, being probably by steal-number.
Transceiver module：Transceiver module realizes the interconnection of user, payment platform and businessman client, receives and parses through user and leads to
The payment request that various access ways are sent is crossed, and will ask to be converted into the recognizable message format of internal system, industry is sent to
Logic module of being engaged in processing, and result is changed into corresponding mode return to user.
Application layer is located at the top of whole payment system.In application layer, user can handle all payment customer services, such as
Personal payment transaction, businessman's gathering transaction in system etc..Application layer includes payment platform management module and fund AM access module.
Wherein payment platform management module is divided into trade management, searching and managing, cooperative control, system administration, settlement management, account pipe again
Reason, safety management, log management, user management, trade company's management, channel management, BPM, customer service, statistics report
Table etc..Fund AM access module is realized that the fund of each side is transferred to and produced, and intermediary's preservation fund etc. is used as in transaction.
System security framework is constituted by 3 layers.The bottom is the basis of whole security framework, including TPM safety chips, encryption
Hardware, DH IKEs.Middle level is Secure Service layer, including identity authentication service, data encryption services, secure access clothes
Business, file credible service, data completeness guarantee's service, encrypting keyboard interface and coded communication interface.Wherein, authentication
Service, data encryption services, secure access service, file credible service, data integrity service are all based on TPM safety chips
There is provided.The security service provided by Secure Service layer, the system realizes transaction data security mechanism, user account information
Four security mechanisms such as security mechanism, payment control security mechanism, Network Communicate Security mechanism, have effectively ensured payment terminal
Safety.
The present invention is not limited to above-mentioned preferred embodiment, and anyone should learn that what is made under the enlightenment of the present invention
Structure change, it is every with it is of the invention have it is same or similar as technical scheme, belong to protection scope of the present invention.
Claims (3)
1. a kind of new safe payment method, it is characterised in that：Method is as follows：
Step 1), user complete to register first to payment platform end in payment terminal, payment platform end is selected in registration process
In two options and keep in mind, can hide, will not occur again after confirmation, but to be stored in payment flat for this two contents
Inside platform, for checking and approving transaction；
Step 2), when user's shopping on the web need to be paid, by payment terminal to payment platform end initiate pay request, pay
Platform end differentiates the information of paying party user, and Transaction Information is sent into businessman's user terminal confirmed, businessman's user terminal is true
Recognize after transaction, the confirmation of payment cipher is initiated at payment platform end to payment terminal, payment cipher input is correct, then payment platform
End will send 5 identifying codes to payment terminal, be handled by active user, user's two contents selected when need to be according to registration
5 identifying codes are carried out with simple operations, new 5 identifying codes calculated are sent to payment platform end, and payment platform end also by
Two contents of storage have calculated new 5 identifying codes, so that whether new 5 identifying codes for checking and approving user's transmission are correct, if
Correctly, then pay successfully, and successful message of merchandising is sent to payment terminal and businessman user.
2. a kind of new safe payment method according to claim 1, it is characterised in that：Step 1) in payment platform end
In two options specific embodiment it is as follows：
Payment platform end possesses the content of two data encryptions, and first option is numeral, and second option is computing side
Method；
First, user is in registration, a kind of optional digital and essential computing for selecting any n digits, wherein n≤5, computing side
Method includes：Plus, subtract, first n respectively plus/minus it is digital, latter n respectively plus/minus numeral, the one three five difference plus/minus it is digital, the
Two or four difference plus/minus numeral, exchange X and Y digits and (X≤5, Y≤5), exchange X and Y and exchange M
Added and subtracted again with after H digits, exchange m digits；
User, which should try one's best, makes the digital and corresponding computing of selection simple easy to remember easy to operate, is finished in selection, it is ensured that after remembeing,
Click on and determine and hide；It there will not be the information of the part in later all pages, selected two contents only have branch
Pay platform encryption storage.
3. a kind of new safe payment method according to claim 1, it is characterised in that：When user needs to pay,
Send and ask to payment platform end, the information of paying party user is received and differentiated in payment platform end, after confirmation is correct,
Transaction Information is sent into businessman's user terminal to be confirmed, businessman's user terminal is confirmed after transaction, payment platform end is whole to paying
The confirmation of payment cipher is initiated at end, and payment terminal user confirms that correctly input payment cipher gives payment platform end to Transaction Information afterwards,
The payment cipher for checking and approving input is correct, then payment platform end sends 5 identifying codes to payment terminal；
Payment terminal user is operated the identifying code of 5 according to two contents selected by oneself, 5 new bit digitals of generation；
5 newly-generated bit digitals are finally sent to payment platform end, payment platform end has also calculated new 5 by two contents stored
Position identifying code, so that whether new 5 identifying codes for checking and approving user's transmission are correct, if correctly, pay successfully, and it is whole to paying
End and businessman's user terminal send the successful message of transaction.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710262077.XA CN107085788A (en) | 2017-04-20 | 2017-04-20 | A kind of new safe payment method |
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| CN201710262077.XA CN107085788A (en) | 2017-04-20 | 2017-04-20 | A kind of new safe payment method |
Publications (1)
| Publication Number | Publication Date |
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| CN107085788A true CN107085788A (en) | 2017-08-22 |
Family
ID=59612832
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| CN201710262077.XA Pending CN107085788A (en) | 2017-04-20 | 2017-04-20 | A kind of new safe payment method |
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|---|---|---|---|---|
| CN101308557A (en) * | 2007-05-17 | 2008-11-19 | 祁勇 | Method for implementing secured electronic charging |
| CN101359987A (en) * | 2007-08-02 | 2009-02-04 | 郝远新 | Algorithm cipher |
| CN101938356A (en) * | 2009-06-30 | 2011-01-05 | 西门子（中国）有限公司 | Method and device used for certificating user identity |
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Application publication date: 20170822 |
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