CN107705130A - A kind of on-line payment method - Google Patents
A kind of on-line payment method Download PDFInfo
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- CN107705130A CN107705130A CN201711032931.XA CN201711032931A CN107705130A CN 107705130 A CN107705130 A CN 107705130A CN 201711032931 A CN201711032931 A CN 201711032931A CN 107705130 A CN107705130 A CN 107705130A
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- account
- identifying code
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- dynamic
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—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
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
-
- 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
-
- 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 present invention provides a kind of on-line payment method, it is characterised in that methods described includes：S1：Entered by online payment tool and pay the page, amount payable, and the first ACK button are at least shown on the payment page；S2：After user presses the first ACK button, the page is selected into payment account, multiple alternative accounts, the available balance of each account, and the second ACK button are at least shown on the payment account selection page；S3：User selects an account, and after pressing the second ACK button, into the checking page；S4：Different types of identifying code is shown to user to prompt user to input dynamic payment cipher, is judged whether the dynamic payment cipher of user's input is correct, if correctly, allowing to pay, otherwise, is not allowed to pay, and prompt user to pay failure.The present invention can make user's can before payment know the available balance of bank card, and can realize the purpose of secure payment.
Description
Technical field
The invention belongs to secure payment application communication field, more particularly to a kind of on-line payment method.
Background technology
In the modern life, people more and more use and consumed in the Internet line, the trade mode in internet
It is diversified.With the development of society, the development including the communication technology, the development of intelligent terminal, the development of logistics, people
The transformation of the consumption consciousness, present people can almost realize that at any time, any article of net purchase is removed in any place.Such as I
In Taobao or Jingdone district net purchase clothes, furniture, we can by various APP buy raw vegetable, we can pass through
Drop drop or excellent step network about car, taxi, special train, express etc..We can be paid with Credit Card Payments with Alipay,
Can be paid with wechat etc..
When being paid using Alipay and wechat is paid, can be deposited in advance in the wallet of Alipay account and wechat account
Enter the fund of certain number, realize quick payment, can not also pre-deposit or be transferred to fund in Alipay account, but make
Used in gauze silver payment function, i.e., the Web bank opened using bank card carries out online e-payment.When using Web bank
When carrying out online e-payment, or when fund in the bank card that wechat account is bound supplements the wallet of wechat account with money,
The current available balance of the bank card used in user does not know in advance, when the amount of money for needing to pay or supplement with money exceedes bank
When blocking available remaining sum, it may appear that pay or supplement with money the situation of failure, can so influence the purchase and consumption of user, or even cause one
Kind difficult situation, bad experience is brought to user.
Meanwhile when carrying out Net silver on-line payment using Alipay, existing verification method is input bank card number, insertion
U-shield, input password are paid.When the wallet to wechat account carries out supplementing operation with money, it is only necessary to input payment cipher.
But existing verification mode not only needs to carry out more information exchange with server, and security is not high, can be by stealing
Account number cipher or the mode such as counterfeit pretend to be payment.
For this reason, it is necessary to provide a kind of new on-line payment method, what user's can before payment knew bank card can
With remaining sum, and the purpose of secure payment can be realized.
The content of the invention
A kind of the present invention is intended to provide on-line payment method, it is therefore intended that user can not before payment in the prior art for solution
The problem of obtaining the available balance of bank card, and the purpose of secure payment can be realized.
To achieve the above object, the invention provides a kind of on-line payment method, methods described to include：
S1：Entered by online payment tool and pay the page, amount payable, Yi Ji are at least shown on the payment page
One ACK button；
S2：After user presses the first ACK button, the page is selected into payment account, the payment account is selected on the page
At least show multiple alternative accounts, the available balance of each account, and the second ACK button；
S3：User selects an account, and after pressing the second ACK button, into the checking page；
S4：Certain types of identifying code is shown to user to prompt user to input dynamic payment cipher, judges that user inputs
Dynamic payment cipher it is whether correct, if correctly, allowing to pay, otherwise, do not allow to pay, and prompt user pay failure.
Wherein, the step S2 further comprises：Before display, online payment tool obtains the available remaining of each account
Volume, by the available balance of each account compared with amount payable, only show that available balance is more than or equal to the account of amount payable
Family and its available balance, hide account and its available balance that available balance is less than amount payable.
Wherein, the step S2 further comprises：Height according to available balance show successively alternative account and
Its available balance.
Wherein, the step S2 further comprises：The online transaction record of each account is obtained, according to online transaction number
Height show alternative account and its available balance successively, or the time length according to an online transaction before distance
Alternative account and its available balance are shown successively.
Wherein, the step S2 further comprises：Amplify first alternative account of display and/or it is available remaining
Volume.
Wherein, the step S2 further comprises：The available balance of each account of display is maintained only in scheduled duration.
Wherein, when user registers payment accounts first, authentication server generation multiple rule, the rule is used to be based on testing
Card code determines dynamic payment cipher, and the type of the identifying code includes pure digi-tal, pure Chinese character, pure English or the mixed type of three,
Each type of identifying code has the multiple rule for being used for determining dynamic payment cipher, and identifying code and corresponding institute are shown to user
Multiple rule is stated, user selects a kind of rule, and the rule that will be selected for each type of identifying code from the multiple rule
Then store in the user terminal.
Wherein, when user inputs dynamic payment cipher, online payment tool accesses the rule stored in user terminal, and
Based on the identifying code and the rule generation dynamic payment cipher, by the dynamic payment cipher of generation and the dynamic of user's input
Payment cipher compares, and is verified if both are consistent, otherwise authentication failed.
Wherein, when the type of the identifying code is pure digi-tal, the predetermined rule includes：By institute in the identifying code
Some numerals are added summation, then divided by after default digital M take the remainder, and determine that dynamic is propped up according to remainder and the identifying code
Pay password；
When the type of the identifying code is pure Chinese character, the predetermined rule includes：By all Chinese in the identifying code
The stroke number of word is added summation, then divided by after default digital M takes the remainder, and dynamic is determined according to remainder and the identifying code
Payment cipher；
When the type of the identifying code is pure English, the predetermined rule includes：By all English in the identifying code
Numeral corresponding to order of the text in 26 alphabets is added summation, then divided by after default digital M takes the remainder, according to remaining
Count with the identifying code to determine dynamic payment cipher；
When the type of the identifying code is numeral, Chinese character and the mixing of English three, the predetermined rule includes：Will
In the identifying code corresponding to the order of the stroke number of all digital, all Chinese characters, all English in 26 alphabets
Numeral is added summation, then divided by after default digital M takes the remainder, and determines that it is close that dynamic is paid according to remainder and the identifying code
Code.
Wherein, the account includes Alipay account, wechat account, bank account etc..
The on-line payment method of the present invention, can be applied to Alipay payment and wechat is paid, when user is paid, first
The balance amount information of payment account corresponding to acquisition, and prompt the user with balance amount information.By the system and method, when user uses
When payment platform is paid, the available balance of oneself can be known a priori by, Sorry, your ticket has not enough value when avoiding paying causes Fail Transaction,
Improve Consumer's Experience.Meanwhile dynamic payment cipher is used when paying, the dynamic payment cipher is according to the pre- of user's selection
If rule is calculated, only user oneself knows, when mobile phone is lost, other people are not due to knowing selected by the mobile phone owner of lost property
Password create-rule, thus dynamic payment cipher can not be obtained, so as to be effectively protected the property safety of the owner of lost property.
The detailed description of embodiment by referring to the following drawings and to the present invention, feature and advantage of the invention
It will be made apparent from.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the on-line payment method of the present invention；
Fig. 2 is the schematic flow sheet of the dynamic payment cipher generation method of the present invention；
Interface schematic diagram when Fig. 3 is the generation dynamic password of the present invention.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
As shown in figure 1, the invention provides a kind of on-line payment method, paid available for Alipay and wechat is paid.Institute
The method of stating comprises the following steps：
S1：Entered by online payment tool and pay the page, amount payable, Yi Ji are at least shown on the payment page
One ACK button.
S2：After user presses the first ACK button, the page is selected into payment account, the payment account is selected on the page
At least show multiple alternative accounts, the available balance of each account, and the second ACK button.
The account includes Alipay account, wechat account, bank account etc..
In the life of reality, user may use multiple bank cards, and open the on-line payment work(of multiple bank cards
Energy, i.e. Web bank's on-line payment function.When being paid using wechat or Alipay, user can also be by multiple bank cards and one
Individual wechat or Alipay account are bound, the functions such as realization is transferred accounts, supplemented with money, withdrawing deposit.Before display, online payment tool obtains each
The available balance of individual account.The account that available balance is less than amount payable is insignificant for payment, therefore can be incited somebody to action
The available balance of each account compared with amount payable, only show available balance be more than or equal to amount payable account and its
Available balance, hide account and its available balance that available balance is less than amount payable.Furthermore, it is possible to the height according to available balance
It is low to show alternative account and its available balance successively.Furthermore, it is possible to the online transaction record of each account is obtained, according to
The height of online transaction number shows alternative account and its available balance successively, or is handed over according to once online before distance
Easy time length shows alternative account and its available balance successively.It is available for selecting furthermore, it is possible to amplify display first
The account selected and/or its available balance.Can so user be facilitated to select, for example, frequently account is to use to online transaction number
The account that family preference uses, either the account more than available balance is the desired payment account of user or last transaction and this
There is association in transaction, therefore account used in last transaction is the desired payment account of user.It is in addition, more being shown to user
During the available balance information of individual account, can by the interface display function of terminal by available balance presentation of information to user, respectively
The display of the available balance of individual account only maintains scheduled duration, can also be prompted by way of auditory tone cues.
S3：User selects an account, and after pressing the second ACK button, into the checking page.
S4：Certain types of identifying code is shown to user to prompt user to input dynamic payment cipher, judges that user inputs
Dynamic payment cipher it is whether correct, if correctly, allowing to pay, otherwise, do not allow to pay, and prompt user pay failure.
For example, user selects an account, and enters the checking page, online payment tool generates certain types of checking
Code, and identifying code is shown to prompt user to input dynamic payment cipher to user.When user inputs dynamic payment cipher, online
The means of payment access the rule stored in user terminal, and generate dynamic payment cipher based on the identifying code and the rule,
By the dynamic payment cipher of generation compared with the dynamic payment cipher that user inputs, it is verified if both are consistent, otherwise
Authentication failed.
In this step, the type of identifying code includes pure digi-tal, pure Chinese character, pure English, or the mixed type of three.The checking
Code can be generated by online payment tool.When user registers payment accounts first, authentication server generation multiple rule, the rule
For determining dynamic payment cipher based on identifying code, each type of identifying code, which has, to be used to determine a variety of of dynamic payment cipher
Rule, identifying code and the corresponding multiple rule are shown to user, user is for each type of identifying code from described a variety of
A kind of rule is selected in rule, and by selected rule storage in the user terminal.
Preferably, when the type of the identifying code is pure digi-tal, the predetermined rule may include：By the identifying code
In all numerals be added summation, then divided by after default digital M take the remainder, determine to move according to remainder and the identifying code
State payment cipher.
Preferably, when the type of the identifying code is pure Chinese character, the predetermined rule may include：By the identifying code
In all Chinese characters stroke number be added summation, then divided by after default digital M take the remainder, according to remainder and the identifying code come
It is determined that dynamic payment cipher.
Preferably, when the type of the identifying code is pure English, the predetermined rule may include：By the identifying code
In numeral corresponding to all orders of the English in 26 alphabets be added summation, remainder then divided by after default digital M
Number, dynamic payment cipher is determined according to remainder and the identifying code.
Preferably, when the type of the identifying code is numeral, Chinese character and the mixing of English three, the predetermined rule
It may include：By the order of the stroke number of digital, all Chinese characters all in the identifying code, all English in 26 alphabets
Corresponding numeral is added summation, then divided by after default digital M takes the remainder, determines to move according to remainder and the identifying code
State payment cipher.
Above rule is only for example, and for pure digi-tal, pure Chinese character, pure English, or the identifying code of the mixed type of three, may be used also
To determine dynamic payment cipher including other rules.
Fig. 2 is the schematic flow sheet of the dynamic cipher generating method of the present invention.Referring to Fig. 2, the dynamic payment cipher life
Comprise the following steps into method：
S21：Obtain identifying code and judge the type of the identifying code；
Wherein, the type of identifying code includes pure digi-tal, pure Chinese character, pure English, or the mixed type of three.The identifying code can
Automatically generated by online payment tool.
S22：Based on the type of identifying code according to predetermined Rule dynamic payment cipher；
When user registers payment accounts first, authentication server generation multiple rule, the rule is used to be based on identifying code
It is determined that dynamic payment cipher, each type of identifying code has the multiple rule for being used for determining dynamic payment cipher, shows to user
Show identifying code and the corresponding multiple rule, user selects one kind for each type of identifying code from the multiple rule
Rule, and by selected rule storage in the user terminal.When user inputs dynamic payment cipher, online payment tool accesses
The rule stored in user terminal, and based on the identifying code and the rule generation dynamic payment cipher, by the dynamic of generation
Payment cipher is verified, otherwise authentication failed compared with the dynamic payment cipher that user inputs if both are consistent.
Interface schematic diagram when Fig. 3 is the generation dynamic password of the present invention.Referring to Fig. 3, the present embodiment is pure with identifying code
Illustrate how to generate dynamic payment cipher exemplified by Chinese character and pure English.
In figure 3, the identifying code shown on the user interface of aggregate payment operation system is provided with is：I is a people
See the well-behaved sheep of people's love.Default rule is：The stroke number of all Chinese characters in the identifying code is added summation, then divided by advance
If digital M after take the remainder, dynamic payment cipher is determined according to remainder and the identifying code.Herein, M is a default number
Value, such as M=7.Determine that the method for dynamic payment cipher can be, but not limited to be according to remainder and identifying code：Stroke is added
The value 7 of numerical value divided by M after summation, then determines dynamic payment cipher according to remainder in identifying code, for example, identifying code " I
A loved by all well-behaved sheep " total stroke number be 74, be 4 with the remainder obtained after 74 divided by M value 7, according to remainder 4
It is determined that dynamic payment cipher can be：Preceding 4 Chinese characters in identifying code or rear 4 Chinese characters is taken to be paid as this dynamic close
Code, i.e. dynamic payment cipher are " I are one " or " well-behaved sheep ", or since first Chinese character, every 2 Chinese character institutes
For preceding 4 Chinese characters determined as this dynamic payment cipher, i.e. dynamic payment cipher is " my people is well-behaved ".These rules are by testing
Card server automatically generates, and user can be chosen by online payment tool, or be automatically generated by online payment tool,
User is therefrom selected, and is uploaded to authentication server.Therefore, only user knows, other people can not obtain user
It is determined that or selection rule, thus even if mobile phone is lost, find mobile phone other people can not also know dynamic payment cipher, so as to
Sound dealing is realized, the property safety of user has been ensured, has avoided economic loss.
When identifying code is pure English, such as identifying code is " abcdefghijk ", and the English character in these identifying codes exists
Order in 26 alphabets be successively " 1,2,3,4,5,6,7,8,9,10,11 ", these numerals and for 66, take default M
Value be 7,66 divided by 7 remainder be 3, then 3 " abc " or rear 3 letters " ijk " are dynamic as this before being taken in identifying code
State payment cipher, or since first letter it is dynamic as this every preceding 3 letters " aei " determined by 3 letters
State payment cipher.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the scope of the invention, it is every at this
Under the design of invention, the equivalent structure transformation made using description of the invention and accompanying drawing content, or directly/it is used in indirectly
He is included in the scope of patent protection of the present invention related technical field.
Claims (10)
- A kind of 1. on-line payment method, it is characterised in that methods described includes：S1：Being entered by online payment tool and pay the page, described pay at least shows amount payable on the page, and first true Recognize button；S2：After user presses the first ACK button, the page is selected into payment account, the payment account is selected on the page at least Show multiple alternative accounts, the available balance of each account, and the second ACK button；S3：User selects an account, and after pressing the second ACK button, into the checking page；S4：Certain types of identifying code is shown to user to prompt user to input dynamic payment cipher, judges the dynamic of user's input Whether state payment cipher is correct, if correctly, allowing to pay, otherwise, does not allow to pay, and prompts user to pay failure.
- 2. according to the method for claim 1, wherein, the step S2 further comprises：Before display, on-line payment work Tool obtains the available balance of each account, and by the available balance of each account compared with amount payable, only display is available remaining Volume is more than or equal to the account and its available balance of amount payable, hides available balance and is less than the account of amount payable and its can use remaining Volume.
- 3. according to the method for claim 2, wherein, the step S2 further comprises：According to available balance height according to It is secondary to show alternative account and its available balance.
- 4. according to the method for claim 2, wherein, the step S2 further comprises：Obtain the online friendship of each account Easily record, alternative account and its available balance are shown according to the height of online transaction number successively, or according to distance The time length of a preceding online transaction shows alternative account and its available balance successively.
- 5. according to the method described in one of claim 2-4, wherein, the step S2 further comprises：Amplification display first Alternative account and/or its available balance.
- 6. according to the method described in one of claim 2-5, wherein, the step S2 further comprises：Only in scheduled duration Maintain the available balance of each account of display.
- 7. according to the method described in one of claim 1-6, wherein, when user registers payment accounts first, authentication server life Into multiple rule, the rule is used to determine dynamic payment cipher based on identifying code, the type of the identifying code including pure digi-tal, The mixed type of pure Chinese character, pure English or three, each type of identifying code have a variety of rule for being used for determining dynamic payment cipher Then, identifying code and the corresponding multiple rule are shown to user, user is directed to each type of identifying code from a variety of rule A kind of then rule of middle selection, and by selected rule storage in the user terminal.
- 8. according to the method for claim 7, wherein, when user inputs dynamic payment cipher, online payment tool accesses The rule stored in user terminal, and based on the identifying code and the rule generation dynamic payment cipher, by the dynamic of generation Payment cipher is verified, otherwise authentication failed compared with the dynamic payment cipher that user inputs if both are consistent.
- 9. the method according to claim 11, wherein, when the type of the identifying code is pure digi-tal, the predetermined rule Then include：Numeral all in the identifying code is added summation, then divided by after default digital M taken the remainder, according to remainder Dynamic payment cipher is determined with the identifying code；When the type of the identifying code is pure Chinese character, the predetermined rule includes：By all Chinese characters in the identifying code Stroke number is added summation, then divided by after default digital M takes the remainder, and determines that dynamic is paid according to remainder and the identifying code Password；When the type of the identifying code is pure English, the predetermined rule includes：All English in the identifying code are existed Numeral corresponding to order in 26 alphabets is added summation, then divided by after default digital M takes the remainder, according to remainder and The identifying code determines dynamic payment cipher；When the type of the identifying code is numeral, Chinese character and the mixing of English three, the predetermined rule includes：By described in Numeral in identifying code corresponding to the order of the stroke number of all digital, all Chinese characters, all English in 26 alphabets Summation is added, then divided by after default digital M takes the remainder, dynamic payment cipher is determined according to remainder and the identifying code.
- 10. according to the method described in one of claim 1-9, wherein, the account includes Alipay account, wechat account, silver Row account etc..
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711032931.XA CN107705130B (en) | 2017-10-30 | 2017-10-30 | Online payment method |
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|---|---|---|---|
| CN201711032931.XA CN107705130B (en) | 2017-10-30 | 2017-10-30 | Online payment method |
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| CN107705130B CN107705130B (en) | 2021-07-20 |
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| CN110310111A (en) * | 2019-06-26 | 2019-10-08 | 郑州铁路职业技术学院 | A kind of third party's Internet payment system Internet-based and method |
| CN111784321A (en) * | 2020-06-12 | 2020-10-16 | 云账户技术(天津)有限公司 | Method and system for automatically selecting payment account and electronic equipment |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109146435A (en) * | 2018-09-04 | 2019-01-04 | 深圳市百宝廊珠宝首饰有限公司 | A kind of method and apparatus that authorization third-party payment system carries out bank transfer |
| CN109447609A (en) * | 2018-09-25 | 2019-03-08 | 平安科技（深圳）有限公司 | Method of payment, device, computer equipment and storage medium |
| CN109598503A (en) * | 2018-11-19 | 2019-04-09 | 李红清 | A kind of two dimensional code tip card of contingent on payment password |
| CN110310111A (en) * | 2019-06-26 | 2019-10-08 | 郑州铁路职业技术学院 | A kind of third party's Internet payment system Internet-based and method |
| CN111784321A (en) * | 2020-06-12 | 2020-10-16 | 云账户技术(天津)有限公司 | Method and system for automatically selecting payment account and electronic equipment |
| CN111784349A (en) * | 2020-06-12 | 2020-10-16 | 支付宝(杭州)信息技术有限公司 | Virtual resource allocation method and system |
| CN111784349B (en) * | 2020-06-12 | 2021-10-22 | 支付宝(杭州)信息技术有限公司 | Virtual resource allocation method and system |
| CN112116345A (en) * | 2020-09-28 | 2020-12-22 | 中国银行股份有限公司 | System and method for processing payment card list data |
| CN113066215A (en) * | 2021-03-15 | 2021-07-02 | 长沙广缘物业管理有限公司 | Two-dimensional code access control management method, system and storage medium |
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| CN107705130B (en) | 2021-07-20 |
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