CN107491967B - Method and system for inputting password through network payment - Google Patents
Method and system for inputting password through network payment Download PDFInfo
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- CN107491967B CN107491967B CN201710782304.1A CN201710782304A CN107491967B CN 107491967 B CN107491967 B CN 107491967B CN 201710782304 A CN201710782304 A CN 201710782304A CN 107491967 B CN107491967 B CN 107491967B
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- 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
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- 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
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- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention discloses a method and a system for inputting passwords in network payment, which comprises the following steps: the network payment account receives a network payment request; the network payment account platform sends a password input prompt to the bound intelligent equipment; meanwhile, sending network payment transaction information to the bound payment platform server; the intelligent equipment clicks a payment platform client, enters a payment page, receives network payment transaction information and pops up a password input page; the user checks the network payment transaction information through the bound intelligent equipment; after confirmation, inputting a password in a payment page of a client of the bound intelligent equipment payment platform to perform transfer payment; the payment platform receives the passwords input and sent by the bound intelligent equipment client; by the method, the network payment among the multi-channel and multi-network payment systems is completed in one payment platform, and the user can use the system more conveniently and safely.
Description
Technical Field
The invention relates to password input in network payment, in particular to the input of a network payment password through a set network payment platform.
Background
The existing network payment is convenient for the daily life of people to a great extent, and the characteristics of convenience, rapidness, safety and reliability are received and used by vast users. However, some cases of embezzling bank cards and deducting money from the name of the unknown name through network payment also occur. Especially, the phishing website highly simulates the official website, so that the user is difficult to distinguish true from false. In order to prevent the password from being stolen, the fund from being transferred by the name of a deceased person and stolen and prevent phishing websites, the following scheme is provided.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a trusted network payment platform, and the network payment password is input through the website payment platform. When a network payment request occurs in other websites or platforms, the user does not input the password in other websites, but enters the payment platform through connection to input the password.
In order to achieve the above object, the present invention provides a method for inputting a password for network payment, which is applied to input a transaction password on a designated payment platform, and comprises:
the network payment account receives a network payment request;
the network payment account platform sends a password input prompt to the bound intelligent equipment; meanwhile, sending network payment transaction information to the bound payment platform server;
the intelligent equipment clicks a payment platform client, enters a payment page, receives network payment transaction information and pops up a password input page;
the user checks the network payment transaction information through the bound intelligent equipment; after confirmation, inputting a password in a payment page of a client of the bound intelligent equipment payment platform to perform transfer payment;
the payment platform receives the passwords input and sent by the bound intelligent equipment client;
the payment platform verifies the password, and after the password passes, the payment platform verifies the network payment account;
the network payment account platform and the payment platform mutually verify, and a payee platform are verified through the rear payment platform; the network payment account identifies and verifies the payee and the payee platform; and according to the verification result, the network payment account and the payment platform carry out network payment and transfer operation, which comprises the following steps:
after the password is correct and the verification is passed, transferring payment is carried out;
the transaction is terminated if the password is wrong or the authentication fails.
Furthermore, the user binds an account number and the intelligent device in the payment platform and also needs to bind a network payment account.
Further, the payment account module is used for receiving the network payment request by the network payment account.
Further, the transaction prompting module is used for sending a password input prompt to the bound intelligent equipment by the network payment account platform; and meanwhile, sending the network payment transaction information to the bound payment platform server.
And further, the password page module is used for the intelligent equipment to click the payment platform client, enter a payment page, receive the network payment transaction information and pop up a password input page.
Further, the password input module is used for checking the network payment transaction information through the bound intelligent equipment by the user; and after confirmation, inputting a password in a payment page of the bound intelligent equipment payment platform client to perform transfer payment.
And further, the payment platform verification module is used for receiving the password input and sent by the bound intelligent device client by the payment platform.
And further, the payment platform verification sub-module is used for verifying the password by the payment platform and verifying the network payment account after the password passes.
Further, the payment module is used for mutual verification of the network payment account platform and the payment platform, and verifying a payee and a payee platform through the rear payment platform; the network payment account identifies and verifies the payee and the payee platform; and according to the verification result, the network payment account and the payment platform carry out network payment and transfer operation, including.
And further, the first payment operation module is used for transferring money and paying after the password is correct and the password passes verification.
Further, the second payment operation module is used for terminating the transaction if the password is wrong or the verification fails.
Further, the account binding module is used for binding an account and the intelligent device in the payment platform by the user and binding a network payment account.
In the embodiment of the invention: by providing a trusted internet payment platform, the internet payment password is input through the website payment platform. When a network payment request occurs in other websites or platforms, the user does not input the password in other websites, but enters the payment platform through connection to input the password. And when the network payment platform verifies that the password input by the user is correct, the network payment platform performs related verification with the network payment account, the payee and the payee platform, and executes transfer payment after the verification is passed. Therefore, in the process of network payment, the user inputs the password in the network payment platform, the password cannot be leaked, and attack and cheating of the phishing website are effectively prevented. The method is most suitable especially on the premise that the security performance of other websites is not clear. Moreover, the method completes the network payment among the multi-channel and multi-network payment systems in one payment platform, and the user is more convenient and safer to use.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flowchart of a method for inputting a password for network payment according to an embodiment of the present invention.
Fig. 2 is a flowchart of a method for inputting a password for network payment according to an embodiment of the present invention.
Fig. 3 is a block diagram of a system for inputting a password for network payment according to an embodiment of the present invention.
Fig. 4 is a block diagram of a system for inputting a password for network payment according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the application provides a method for inputting a password through network payment, which is applied to a specified payment platform for inputting a transaction password. Fig. 1 is a flowchart illustrating a method for inputting a password for network payment according to an embodiment of the present invention.
As shown in fig. 1, the method includes:
s101, the network payment account receives a network payment request.
The network payment account is used for performing network payment, and comprises a bank card account and an account of a network payment platform. After receiving the request for payment, the network payment account sends the payment request to the bound payment platform. The function is opened and bound by the user. And provide corresponding option settings for selection. The network payment request can be made by other network payment platforms or users, and can also be a payee in the payment platform. And the platform and the user with the network payment transaction function. When network payment transaction is carried out in a certain platform, a password is input in the bound payment platform, and the bound payment platform and a payee platform only carry out verification. After the verification, the online payment account is used for payment, the account for transaction and the payment platform for inputting the password are mutually separated, namely the online payment transaction occurring on other online payment platforms can input the password to the bound payment platform, and the online payment transaction is carried out after the verification is passed.
And the bound payment platform and other network payment platforms carry out mutual verification, and after the verification is passed, the network payment account carries out payment. This can effectively prevent some payment platform security measures not good and cause the transmission that the password revealed. All passwords are concentrated to the bound payment platform with higher safety for inputting, so that the risk of password theft can be effectively reduced. The mode of inputting the password, except the digital password, also includes: fingerprint password, face brushing payment.
Specifically, the bank card account receives the payment request, or the account in the payment platform receives the payment request. The payment request can be directly provided to the bank card account by the payee, or the payee can initiate the payment request to the bank card account platform from the bank card or an account in the payment platform through the user payment platform account.
When the network payment account receives a payment request of a bank, the information is sent to a password input page of the bound payment treasure, a password is input in the payment treasure, the bank verification is provided by a payment treasure platform, and after the verification is passed, the network payment account transfers and pays money to the bank.
S102, the network payment account platform sends a password input prompt to the bound intelligent equipment; and meanwhile, sending the network payment transaction information to the bound payment platform server.
And after receiving the payment request, the network payment account sends corresponding prompt information to the bound intelligent equipment. And sending the received transaction information to a server of the network payment platform. After the user intelligent equipment enters the payment page to be used, the payment platform server sends and displays the information in the payment page of the intelligent equipment. And checking the password input prompt by the user, directly entering a password input page or opening a payment platform client after confirmation, and automatically popping up a payment page, wherein transaction information and the password input page are displayed in the payment page.
Specifically, the platform of the bank card account sends the payment request and the transaction information to a server of the payment platform for temporary storage, and directly or through the server of the payment platform, the information is sent to a mobile phone or a computer of the user. And reminding the user to verify the transaction information and pay. In the network payment transaction process, the payment information is determined and the password is input through the payment platform bound by the user.
S103, the intelligent device clicks the payment platform client, enters a payment page, receives network payment transaction information and pops up a password input page.
And after receiving prompt information of the input password, the user logs in the payment platform client in the intelligent equipment according to the prompt information. And opening the client, and automatically popping up a page displaying the transaction information and password input on the payment page. Further comprising: if the network payment account cannot receive the verification result of the payment platform, the network payment transaction cannot be carried out, and the money cannot be transferred out. The client is downloaded and used from the payment platform server through the intelligent device, and the password is input through the payment platform, and the selection setting and the binding of the corresponding account and the corresponding device are required.
Specifically, a user clicks a client of the payment platform through a mobile phone to enter a payment page, the payment platform server sends the temporarily stored transaction information to the payment page of the mobile phone, a password input page is popped up, and the user inputs a password in the password input page after determining the transaction information. Further comprising: and the network payment account platform directly sends the information to the mobile phone of the user.
S104, checking the network payment transaction information by the user through the bound intelligent equipment; and after confirmation, inputting a password in a payment page of the bound intelligent equipment payment platform client to perform transfer payment.
The network payment account platform sends the transaction information to the designated payment platform, and the payment platform sends the information notice to the bound intelligent device. In the process, the network payment account platform can directly send the information to the bound intelligent equipment, and can also send the information to the bound intelligent equipment and the payment platform server at the same time. And the transaction information is displayed in the intelligent equipment, and after the transaction information is checked and confirmed by a user, a payment password is input to carry out network transfer payment transaction. The transaction information and password input page can be displayed in the same payment page. Or the transaction information can be displayed in two independent pages, and the password input page is entered after the transaction information is determined. If the password fails to be verified in the payment platform, the transaction is terminated, and the network payment account cannot receive transaction information.
Specifically, after confirming the payee and the amount of money in the transaction information, the user inputs a password in the bound mobile phone to perform transfer payment transaction.
S105, the payment platform receives the password input and sent by the bound intelligent device client.
And the payment platform receives the password input and sent by the bound intelligent equipment client.
The payment platform verifies the password, and further comprises: and verifying the bound intelligent device. That is, the password needs to be input and sent to the payment platform through the bound intelligent device, and the password is the correct password. Only the cryptographic information is indeed not verifiable.
Specifically, the password information that needs to be input and sent by the bound mobile phone and computer can be understood as normal password input. The payment platform performs relevant verification and authentication on the password. And will provide relevant reminder information to notify the user. The mobile intelligent equipment is a mobile phone, a tablet computer, a super notebook and wearable equipment; the desktop fixed intelligent equipment is a desktop computer, a notebook computer, an all-in-one machine and the like.
S106, the payment platform verifies the password, and after the password passes, the network payment account is verified.
And the payment platform receives the password, verifies and checks the password, and after the password is correct, the payment platform starts verification of the network payment account and passes the verification. And verifying the checking of the account information and the mutual verification of the symmetric, asymmetric encryption and decryption algorithm formulas. The verified content is mainly transaction information, including: transaction amount, payee account number, user name, etc. This requires a mutual authentication mechanism to be established between the paymate and the payee platforms. Such as asymmetric encryption algorithm, quantum identity encryption algorithm, etc. Further comprising: and the payment platform encrypts and sends the verification result of the password to the network payment account for related decryption and obtains the verification result.
Specifically, after the payment platform passes password authentication, corresponding authentication is performed on the network payment account, and the authentication and the identification of the name of the network payment account and information are mainly performed through a symmetric and asymmetric encryption algorithm.
S107, the network payment account platform and the payment platform mutually verify, and a payee platform are verified through the rear payment platform; the network payment account identifies and verifies the payee and the payee platform; and according to the verification result, the network payment account and the payment platform carry out network payment and transfer operation, including.
And S108, after the password is correct and the verification is passed, transferring payment is carried out.
S109, the password is wrong or the verification is not passed, and the transaction is terminated.
And the network payment account is mutually verified with the payment platform through the platform, and after the mutual verification is passed, the verification result and the instruction sent by the payment platform are executed. The verification result comprises a verification result of the payment platform for the intelligent equipment input password and a verification result of the payment platform for the payee and the payee platform. The instruction is an encrypted notification and associated transfer and payment information that the paymate agrees to pay the payee. And if the verification is successful, carrying out network payment, and if the verification is failed, terminating the network payment.
The network payment account needs to carry out corresponding verification on the payee and the payee platform, so as to ensure that the payee has no related credit problem. The platform where the payee is located is also a safer platform. The payee for the network payment account may be one or more different network payment platforms, accounts. The payment platform verifies the payee and the payee platform under the condition that the password is correctly input, and the payee platform cannot acquire the password information of the user without involving the password information in the verification process. The payment platform and the payee platform carry out an encryption algorithm and a verification mode similar to radio frequency card verification to carry out encryption and decryption verification on transaction information, thereby achieving the effect of safe payment.
Specifically, after the payment platform verifies that the user password is correct, the payment platform verifies the network payment account mutually and passes the verification. After the payment platform passes the verification of the bank card platform, network transaction information such as payment amount, a payee account number, a network platform and the like is sent to the bank card and decrypted by the bank card platform, relevant operations are executed, and the verification is passed. The bank card account platform carries out network payment and transfer to a payee, and the payee can be a user in another network payment platform or can be a network payment transaction between payment platforms.
Specifically, the bank card account performs online inquiry on the credit of the payee, and verifies the network payment transaction where the payee is located. The method mainly verifies whether a payee platform is a normal platform or not and whether the payee platform is a payment platform for registration and record and normal operation or not.
In summary, when a bank card or an account with network payment needs to make network payment. The platform where the network payment account is located sends information to the account number of the bound payment platform, and the account number is required to input a password in the payment platform. Moreover, the password information sent by the bound intelligent device must be understood as correct information and valid information. Before this, the user is also required to view and verify the transaction information. After the user checks and verifies, the payment platform needs to have an encryption and decryption verification process between the network payment account payee and the payee platform. The encrypted and decrypted contents are related information of network transaction. After verification, the network payment account transfers funds to a payee account or a network payment platform. Meanwhile, the payment platform also needs to verify the payee platform. Because the network payment account is bound with the fixed payment platform, the link cannot be modified, so that the link cannot be modified, and the linked payment platform is a payment platform with higher security. The client in the payment platform has higher security, and the password input in the client is also safer. And moreover, the system has the functions of checking and killing trojans, viruses, credit networking query and the like.
Fig. 2 is a flowchart of a method for inputting a password for network payment according to an embodiment of the present invention.
As shown in fig. 2, the method includes:
s201, a user binds an account number and intelligent equipment in a payment platform and also needs to bind a network payment account.
Before the online payment, the account number of the user in the payment platform is bound with the online payment account, and in the binding process, the intelligent device for online payment is also bound in a relevant mode. When only payment is made through the network payment account, a password needs to be input in the bound payment platform, and information is sent and received through the bound intelligent device.
Specifically, a user binds an account number and a mobile phone number in the payment platform, and the mobile phone NFC module is bound with a bank account. In the password verification process, whether the mobile phone is a bound mobile phone needs to be verified, and the two mobile phones can be successfully verified at the same time to carry out the network payment transaction.
In summary, the user needs to bind the account and the smart device in the payment platform. At the same time, binding needs to be performed again in the network payment account. The payment platform and the network payment account verify the account number and the intelligent device in the verification process, the next verification can be carried out only after the account number and the intelligent device pass the verification, and the network payment transaction can be carried out after the verification is passed. The intelligent equipment in the process is divided into mobile intelligent equipment and fixed intelligent equipment, and exchange and transmission of network payment transaction information are achieved through wired and wireless networks. Through the solidified connection, the network payment transaction is safer. Meanwhile, when the verification results of the payment platform on the payee and the payee platform are received, the network payment account platform can actively carry out corresponding verification on the payee and the payee platform and carry out corresponding payment or non-payment transfer operation according to the verification results.
Fig. 3 is a block diagram of a system for inputting a password for network payment according to an embodiment of the present invention.
As shown in fig. 3, the system includes:
the payment account module 301 is used for the payment account module, and is used for the network payment account to receive the network payment request.
The transaction prompting module 302 is used for sending a password input prompt to the bound intelligent device by the network payment account platform; and meanwhile, sending the network payment transaction information to the bound payment platform server.
The password page module 303, the smart device clicks the payment platform client, enters a payment page, receives network payment transaction information, and pops up a password input page.
The password input module 304 is used for checking the network payment transaction information by the user through the bound intelligent device; and after confirmation, inputting a password in a payment page of the bound intelligent equipment payment platform client to perform transfer payment.
And the payment platform verification module 305 is used for the payment platform to receive the password input and sent by the bound intelligent device client.
And the payment platform verification sub-module 306 is used for verifying the password by the payment platform and verifying the network payment account after the password passes.
The payment module 307 is used for mutual verification of the network payment account platform and the payment platform, and verifying a payee and a payee platform through a rear payment platform; the network payment account identifies and verifies the payee and the payee platform. And according to the verification result, the network payment account and the payment platform carry out network payment and transfer operation, including.
And the first payment operation module 308 is used for performing transfer payment after the password is correct and the verification is passed.
And a second payment operation module 309 for terminating the transaction if the password is wrong or the authentication is not passed.
In summary, when a bank card or an account with network payment needs to make network payment. The platform where the network payment account is located sends information to the account number of the bound payment platform, and the account number is required to input a password in the payment platform. Moreover, the password information sent by the bound intelligent device must be understood as correct information and valid information. Before this, the user is also required to view and verify the transaction information. After the user checks and verifies, the payment platform needs to have an encryption and decryption verification process between the network payment account payee and the payee platform. The encrypted and decrypted contents are related information of network transaction. After verification, the network payment account transfers funds to a payee account or a network payment platform. Meanwhile, the payment platform also needs to verify the payee platform. Because the network payment account is bound with the fixed payment platform, the link cannot be modified, so that the link cannot be modified, and the linked payment platform is a payment platform with higher security. The client in the payment platform has higher security, and the password input in the client is also safer. And moreover, the system has the functions of checking and killing trojans, viruses, credit networking query and the like.
Fig. 4 is a block diagram of a system for inputting a password for network payment according to an embodiment of the present invention.
As shown in fig. 4, the system includes:
the account binding module 401 is configured to bind an account and an intelligent device in the payment platform by a user and also needs to bind a network payment account.
In summary, the user needs to bind the account and the smart device in the payment platform. At the same time, binding needs to be performed again in the network payment account. The payment platform and the network payment account verify the account number and the intelligent device in the verification process, the next verification can be carried out only after the account number and the intelligent device pass the verification, and the network payment transaction can be carried out after the verification is passed. The intelligent equipment in the process is divided into mobile intelligent equipment and fixed intelligent equipment, and exchange and transmission of network payment transaction information are achieved through wired and wireless networks. Through the solidified connection, the network payment transaction is safer. Meanwhile, when the verification results of the payment platform on the payee and the payee platform are received, the network payment account platform can actively carry out corresponding verification on the payee and the payee platform and carry out corresponding payment or non-payment transfer operation according to the verification results.
Claims (4)
1. A method for inputting a password for network payment is applied to inputting a transaction password at a specified payment platform, and comprises the following steps:
the network payment account receives a network payment request;
the network payment account platform sends a password input prompt to the bound intelligent equipment; meanwhile, sending network payment transaction information to the bound payment platform server;
the intelligent equipment clicks a payment platform client, enters a payment page, receives network payment transaction information and pops up a password input page;
the user checks the network payment transaction information through the bound intelligent equipment; after confirmation, inputting a password in a payment page of a client of the bound intelligent equipment payment platform to perform transfer payment;
the payment platform receives the passwords input and sent by the bound intelligent equipment client;
the payment platform verifies the password, and after the password passes, the payment platform verifies the network payment account;
the network payment account platform and the payment platform mutually verify, and a payee platform are verified through the rear payment platform; the network payment account identifies and verifies the payee and the payee platform; and according to the verification result, the network payment account and the payment platform carry out network payment and transfer operation, which comprises the following steps:
after the password is correct and the verification is passed, transferring payment is carried out;
the transaction is terminated if the password is wrong or the authentication fails.
2. The method of claim 1, wherein before the network payment account receives the network payment request, the method comprises:
a user binds an account number and intelligent equipment in a payment platform and also needs to bind a network payment account.
3. A system for inputting a password for network payment, comprising: network payment account platform, payment platform, smart machine, its characterized in that includes:
the payment account module is used for receiving the network payment request by the network payment account;
the transaction prompting module is used for sending a password input prompt to the bound intelligent equipment by the network payment account platform; meanwhile, sending network payment transaction information to the bound payment platform server;
the password page module is used for the intelligent equipment to click the payment platform client, enter a payment page, receive network payment transaction information and pop up a password input page;
the password input module is used for checking the network payment transaction information by the user through the bound intelligent equipment; after confirmation, inputting a password in a payment page of a client of the bound intelligent equipment payment platform to perform transfer payment;
the payment platform verification module is used for receiving the passwords input and sent by the bound intelligent equipment client by the payment platform;
the payment platform verification sub-module is used for verifying the password by the payment platform and verifying the network payment account after the password passes;
the payment module is used for mutual verification of the network payment account platform and the payment platform and verification of a payee and a payee platform through the rear payment platform; the network payment account identifies and verifies the payee and the payee platform; and according to the verification result, the network payment account and the payment platform carry out network payment and transfer operation, which comprises the following steps:
the first payment operation module is used for transferring money and paying after the password is correct and the password passes verification;
and the second payment operation module is used for terminating the transaction if the password is wrong or the verification is not passed.
4. The system of claim 3, further comprising:
and the account binding module is used for binding an account and the intelligent equipment in the payment platform by the user and also binding a network payment account.
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| CN103914774A (en) * | 2014-03-14 | 2014-07-09 | 福建联迪商用设备有限公司 | O2O safety payment method and system |
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| CN1274106C (en) * | 2002-06-18 | 2006-09-06 | 华为技术有限公司 | Internet authentication method |
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