CN108205751A - A kind of cross-border electric business remote safe payment method - Google Patents
A kind of cross-border electric business remote safe payment method Download PDFInfo
- Publication number
- CN108205751A CN108205751A CN201611187951.XA CN201611187951A CN108205751A CN 108205751 A CN108205751 A CN 108205751A CN 201611187951 A CN201611187951 A CN 201611187951A CN 108205751 A CN108205751 A CN 108205751A
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- CN
- China
- Prior art keywords
- payment
- application program
- mobile
- cross
- transaction processor
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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
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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 cross-border electric business remote safe payment methods, include the following steps：The information of information system receives in S1 purchases, S2 pair verifications, S3 payment affirmations, S4 rows, S5 payment clearance systems clearance, S6 verifications, S7 is verified again, S8 is reaffirmed, S9 is verified to pay with S10 and complete.The invention, the first re-examination card is carried out by key pair first, after completion, then it is transferred to bank, the remaining sum verification of the second weight is carried out, is carried out at the same time the mobile phone short message verification of third weight, two just can send payment instruction by clearing management system later to payment system overseas simultaneously, triple verifications ensure, safer.
Description
Technical field
The present invention relates to cross-border electric business secure payment technical field, specially a kind of cross-border electric business telesecurity payer
Method.
Background technology
" electric business " word is abbreviation of the insider to e-commerce.Conceptually, industry by electric business be divided into narrow sense with
Broad sense, narrow sense electric business (E-Commerce) refer to realize the electronization of each stage trade activity during entire trade, and broad sense
Electric business (E-Business) refers to the electronization using all commercial activity operation flows of real-time performance.The former is concentrated on based on mutual
The electronic transaction of networking emphasizes that using internet with external transaction and cooperation occur for enterprise；And the latter then expands covering scope
It is very much, refer to enterprise and be engaged in commercial activity using various electronic tools.From narrow sense to broad sense, electric business be one continuous development it is general
It reads, initial narrow sense electric business concept is to propose Electronic in 1996 by the pioneer IBM Corporation of e-commerce
The concept of Commerce (E-Commerce), by 1997, IBM Corporation proposed Electronic Business (E- again
Business) the concept of this broad sense electric business.E-commerce has all been translated into when these concepts are introduced in China.For across
Electric business payment in border unlike our common transaction are so simple, is needed from a national bank to another bank, in the market
Also there are many means of payment, have plenty of mobile phone verification, have plenty of key pair verification etc., still, they are single test
Card means, therefore, safety is not high enough, for this purpose, we invent a kind of cross-border electric business remote safe payment method.
Invention content
The purpose of the present invention is to provide a kind of cross-border electric business remote safe payment method, to solve in above-mentioned background technology
The problem of proposition.
To achieve the above object, the present invention provides following technical solution：
A kind of cross-border electric business remote safe payment method, includes the following steps：
S1：Purchase：Mobile terminal carries out commodity purchasing by the application program being connected with transaction processor；
S2：Pair verification：By the mobile payment application program on the safe storage on the mobile terminal from the shifting
Transaction processor application program in dynamic terminal receives and transaction data, then determines transaction processor by mobile payment application program
Application program is reliable and provides encrypted evidence for payment, wherein trading processing corresponding to transaction processor application program
The encrypted evidence for payment of device application program initiates the payment transaction with transaction processor server computer, the transaction data
Further comprise verifying that the transaction processor is the currently active by the mobile payment application program certificate of utility mechanism, Yi Jiyou
The mobile payment application program confirms that the transaction processor certificate is reliable using certificate agency public keys；
S3：Payment affirmation：Mobile payment application program extraction transaction processor from transaction processor card is public
Altogether key, by mobile payment application program determine the payment being stored in safe storage associated with the transaction data with
It demonstrate,proves and the evidence for payment is encrypted using transaction processor public keys by the mobile payment application program, by making
Described in transaction processor private cipher key pair evidence for payment decrypt, the transaction processor application program using it is encrypted payment with
Card initiates the payment transaction with remote server computer；
S4：The information of information system receives in row：Cross-border payment information after step S3 payment affirmations can be forwarded in row
Information system, then go in information system cross-border payment information is sent to payment clearance system；
S5：Payment clearance system is cleared：Cross-border payment information is sent to clearance account by the payment clearance system in step S4
Family manages system；
S6：Verification：Clearing account management system in step S5 can examine the remaining sum of remittance abroad account；
S7：It verifies again：After step S6 verifies that the remaining sum of remittance abroad account is errorless, it can be sent out by Mobility Center to Client handset
Identifying code is sent, is verified again；
S8：It reaffirms：Mobile phone identifying code is inputted by mobile payment application program, is reaffirmed；
S9：It is verified：Clearing account management system is verified information to payment clearance system transmission；
S10：Payment is completed：Payment clearance system is verified information to overseas according to what clearing account management system was sent
Payment system sends payment instruction, and then overseas payment system is converged to external account associated with the application program in step S1
Money completes payment.
Preferably, the mobile terminal is mobile phone.
Preferably, the mobile terminal is PAD.
Preferably, the evidence for payment is stored in the safe storage of mobile terminal, and application program is from secure storage
It is obtained in device.
Preferably, the evidence for payment includes account and the term of validity.
Preferably, identifying code is forwarded by the Mobility Center by Mobile Server.
Compared with prior art, the beneficial effects of the invention are as follows：The invention carries out the first re-examination by key pair first
Card after completion, is then transferred to bank, carries out the remaining sum verification of the second weight, is carried out at the same time the mobile phone short message verification of third weight,
Two can just send payment instruction by clearing management system later to payment system overseas simultaneously, and triple verifications ensure, more pacify
Entirely.
Description of the drawings
Fig. 1 is the flow chart of the present invention；
Fig. 2 is triple verification schematic diagrames of the present invention.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work
Embodiment shall fall within the protection scope of the present invention.
- 2 are please referred to Fig.1, the present invention provides a kind of technical solution：A kind of cross-border electric business remote safe payment method, including
Following steps：
S1：Purchase：Mobile terminal carries out commodity purchasing by the application program being connected with transaction processor, and mobile terminal is
Mobile phone is PAD；
S2：Pair verification：By the mobile payment application program on the safe storage on the mobile terminal from the shifting
Transaction processor application program in dynamic terminal receives and transaction data, then determines transaction processor by mobile payment application program
Application program is reliable and provides encrypted evidence for payment, wherein trading processing corresponding to transaction processor application program
The encrypted evidence for payment of device application program initiates the payment transaction with transaction processor server computer, the transaction data
Further comprise verifying that the transaction processor is the currently active by the mobile payment application program certificate of utility mechanism, Yi Jiyou
The mobile payment application program confirms that the transaction processor certificate is reliable using certificate agency public keys；
S3：Payment affirmation：Mobile payment application program extraction transaction processor from transaction processor card is public
Altogether key, by mobile payment application program determine the payment being stored in safe storage associated with the transaction data with
It demonstrate,proves and the evidence for payment is encrypted using transaction processor public keys by the mobile payment application program, by making
Described in transaction processor private cipher key pair evidence for payment decrypt, the transaction processor application program using it is encrypted payment with
Card initiates the payment transaction with remote server computer；
S4：The information of information system receives in row：Cross-border payment information after step S3 payment affirmations can be forwarded in row
Information system, then go in information system cross-border payment information is sent to payment clearance system；
S5：Payment clearance system is cleared：Cross-border payment information is sent to clearance account by the payment clearance system in step S4
Family manages system；
S6：Verification：Clearing account management system in step S5 can examine the remaining sum of remittance abroad account；
S7：It verifies again：After step S6 verifies that the remaining sum of remittance abroad account is errorless, it can be sent out by Mobility Center to Client handset
Identifying code is sent, is verified again, identifying code is forwarded by Mobility Center by Mobile Server；
S8：It reaffirms：Mobile phone identifying code is inputted by mobile payment application program, is reaffirmed；
S9：It is verified：Clearing account management system is verified information to payment clearance system transmission；
S10：Payment is completed：Payment clearance system is verified information to overseas according to what clearing account management system was sent
Payment system sends payment instruction, and then overseas payment system is converged to external account associated with the application program in step S1
Money completes payment.
The invention carries out the first re-examination card by key pair first, after completion, is then transferred to bank, carries out the
Double remaining sum verification, is carried out at the same time the mobile phone short message verification of third weight, two simultaneously by clearing the just meeting of management system later
Payment instruction is sent to payment system overseas, triple verifications ensure, safer.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with
Understanding without departing from the principles and spirit of the present invention can carry out these embodiments a variety of variations, modification, replace
And modification, the scope of the present invention is defined by the appended.
Claims (6)
1. a kind of cross-border electric business remote safe payment method, it is characterised in that：Include the following steps：
S1：Purchase：Mobile terminal carries out commodity purchasing by the application program being connected with transaction processor；
S2：Pair verification：It is whole from the movement by the mobile payment application program on the safe storage on the mobile terminal
Transaction processor application program on end receives and transaction data, then determines transaction processor application by mobile payment application program
Program is reliable and provides encrypted evidence for payment corresponding to transaction processor application program, and wherein transaction processor should
The payment transaction with transaction processor server computer is initiated with the encrypted evidence for payment of program, and the transaction data is into one
Step includes verifying that the transaction processor is the currently active and by described by the mobile payment application program certificate of utility mechanism
Mobile payment application program confirms that the transaction processor certificate is reliable using certificate agency public keys；
S3：Payment affirmation：Mobile payment application program extraction transaction processor from transaction processor card is public close
Key, the evidence for payment for determining to be stored in safe storage associated with the transaction data by mobile payment application program,
And the evidence for payment is encrypted using transaction processor public keys by the mobile payment application program, by using friendship
Evidence for payment described in disposable device private cipher key pair is decrypted, and the transaction processor application program is sent out using encrypted evidence for payment
Play the payment transaction with remote server computer；
S4：The information of information system receives in row：Cross-border payment information after step S3 payment affirmations can be forwarded to information in row
System, then go in information system cross-border payment information is sent to payment clearance system；
S5：Payment clearance system is cleared：Cross-border payment information is sent to clearing account pipe by the payment clearance system in step S4
Reason system；
S6：Verification：Clearing account management system in step S5 can examine the remaining sum of remittance abroad account；
S7：It verifies again：After step S6 verifies that the remaining sum of remittance abroad account is errorless, it can be tested by Mobility Center to Client handset transmission
Code is demonstrate,proved, is verified again；
S8：It reaffirms：Mobile phone identifying code is inputted by mobile payment application program, is reaffirmed；
S9：It is verified：Clearing account management system is verified information to payment clearance system transmission；
S10：Payment is completed：Payment clearance system is verified information to overseas paying according to what clearing account management system was sent
System sends payment instruction, and then overseas payment system is remitted money to external account associated with the application program in step S1,
Complete payment.
2. a kind of cross-border electric business remote safe payment method according to claim 1, it is characterised in that：The mobile terminal
For mobile phone.
3. a kind of cross-border electric business remote safe payment method according to claim 1, it is characterised in that：The mobile terminal
For PAD.
4. a kind of cross-border electric business remote safe payment method according to claim 1, it is characterised in that：The evidence for payment
It is stored in the safe storage of mobile terminal, and application program is obtained from safe storage.
5. a kind of cross-border electric business remote safe payment method according to claim 1, it is characterised in that：The evidence for payment
Including account and the term of validity.
6. a kind of cross-border electric business remote safe payment method according to claim 1, it is characterised in that：The Mobility Center
Identifying code is forwarded by Mobile Server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611187951.XA CN108205751A (en) | 2016-12-20 | 2016-12-20 | A kind of cross-border electric business remote safe payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611187951.XA CN108205751A (en) | 2016-12-20 | 2016-12-20 | A kind of cross-border electric business remote safe payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108205751A true CN108205751A (en) | 2018-06-26 |
Family
ID=62604345
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611187951.XA Pending CN108205751A (en) | 2016-12-20 | 2016-12-20 | A kind of cross-border electric business remote safe payment method |
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| Country | Link |
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| CN (1) | CN108205751A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111242594A (en) * | 2020-01-13 | 2020-06-05 | 支付宝实验室(新加坡)有限公司 | Cross-region offline payment registration and payment method and device |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103208066A (en) * | 2012-01-17 | 2013-07-17 | 玉山商业银行股份有限公司 | Border-crossed type network transaction system and transaction method thereof |
| CN104392348A (en) * | 2014-11-06 | 2015-03-04 | 朱锐泷 | Digital currency-based cross-border payment and clearing system and cross-border payment method |
| CN105427094A (en) * | 2015-12-22 | 2016-03-23 | 农信银资金清算中心有限责任公司 | Cross-border payment system and method |
| CN105684010A (en) * | 2013-08-15 | 2016-06-15 | 维萨国际服务协会 | Secure remote payment transaction processing using a secure element |
-
2016
- 2016-12-20 CN CN201611187951.XA patent/CN108205751A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103208066A (en) * | 2012-01-17 | 2013-07-17 | 玉山商业银行股份有限公司 | Border-crossed type network transaction system and transaction method thereof |
| CN105684010A (en) * | 2013-08-15 | 2016-06-15 | 维萨国际服务协会 | Secure remote payment transaction processing using a secure element |
| CN104392348A (en) * | 2014-11-06 | 2015-03-04 | 朱锐泷 | Digital currency-based cross-border payment and clearing system and cross-border payment method |
| CN105427094A (en) * | 2015-12-22 | 2016-03-23 | 农信银资金清算中心有限责任公司 | Cross-border payment system and method |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111242594A (en) * | 2020-01-13 | 2020-06-05 | 支付宝实验室(新加坡)有限公司 | Cross-region offline payment registration and payment method and device |
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| PB01 | Publication | ||
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| RJ01 | Rejection of invention patent application after publication | ||
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Application publication date: 20180626 |