CN110245938B - Electronic commerce platform transaction safety payment method based on Internet of things - Google Patents

Electronic commerce platform transaction safety payment method based on Internet of things Download PDF

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Publication number
CN110245938B
CN110245938B CN201910491291.1A CN201910491291A CN110245938B CN 110245938 B CN110245938 B CN 110245938B CN 201910491291 A CN201910491291 A CN 201910491291A CN 110245938 B CN110245938 B CN 110245938B
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transaction
user
payment
commerce platform
platform
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CN110245938A (en
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杨帆
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Shenzhen Viking City Information Technology Co ltd
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Shenzhen Viking City Information Technology Co ltd
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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses an electronic commerce platform transaction safety payment method based on the Internet of things, which comprises the following steps: s1: a platform user logs in an electronic commerce platform system and selects a transaction commodity; s2: the electronic commerce platform system generates a transaction list according to the selected transaction commodity, links the transaction list to a generated two-dimensional code and sends the two-dimensional code to a pre-associated mobile communication terminal user; s3: the mobile communication terminal user identifies the two-dimension code, opens the linked transaction list, confirms the transaction product selected by the platform user and sends a confirmation instruction; s4: after receiving the confirmation instruction, the electronic commerce platform system generates a payment link and sends the payment link to the platform user; payment of the transaction commodity is completed by the platform user. The invention can complete the transaction, the audit and the payment actions by different people, and the payment is relatively safer and has better confidentiality.

Description

Electronic commerce platform transaction safety payment method based on Internet of things
Technical Field
The invention relates to the technical field of electronic information, in particular to an electronic commerce platform transaction safety payment method based on the Internet of things.
Background
In the era of rapid development of internet and mobile communication technologies, in wide commercial trading activities in various global places, under an internet open network environment, based on a browser/server application mode, buyers and sellers can carry out various commercial and trade activities without conspiracy, so that online shopping of consumers, online transaction and online electronic payment among merchants, various commercial activities, transaction activities, financial activities and related comprehensive service activities are more and more extensive, and in the online transaction among merchants, payment is carried out through various payment software without the need of face-to-face contact by the two parties, so that the payment safety becomes an important transaction environment; in the prior art, the safe payment is generally carried out through an account number and a password and associated third-party payment software; during payment, transaction, audit and payment are completed by one account; there are payment security issues.
Accordingly, the prior art is deficient and needs improvement.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: the transaction safety payment method based on the Internet of things for the electronic commerce platform is provided, wherein the transaction, the audit and the payment actions can be completed by different people, the payment is relatively safer, and the confidentiality is better.
The technical scheme of the invention is as follows: an electronic commerce platform transaction safety payment method based on the Internet of things comprises the following steps: s1: a platform user logs in an electronic commerce platform system and selects a transaction commodity; s2: the electronic commerce platform system generates a transaction list according to the selected transaction commodity, links the transaction list to a generated two-dimensional code and sends the two-dimensional code to a pre-associated mobile communication terminal user; s3: the mobile communication terminal user identifies the two-dimension code, opens the linked transaction list, confirms the transaction product selected by the platform user and sends a confirmation instruction; s4: after receiving the confirmation instruction, the electronic commerce platform system generates a payment link and sends the payment link to the platform user; payment of the transaction commodity is completed by the platform user.
In the above technical solution, in the secure payment method for electronic commerce platform transaction, in step S1, when the platform user logs in the electronic commerce platform system, the electronic commerce platform system further performs identity verification, which includes password authentication and face recognition authentication.
In the above technical solutions, in the secure payment method for electronic commerce platform transaction, in step S3, the mobile communication terminal user is a wechat user or a pay pal user, and the two-dimensional code is identified by a wechat application or a pay pal application.
The electronic commerce platform transaction safety payment method is applied to each technical scheme, and the transaction details at least comprise transaction commodity names and types, transaction commodity unit prices, transaction commodity quantity, transaction commodity main purposes and transaction commodity total prices.
In the above technical solution, before step S1, the e-commerce platform transaction secure payment method further performs step S0: and setting a platform user login account and associating the platform user login account with the mobile communication terminal user.
In the above technical solutions, in the e-commerce platform transaction security payment method, in step S4, when the e-commerce platform system sends the payment link to the platform user, the e-commerce platform system also randomly sends a group of payment verification codes to a mobile phone pre-associated with the e-commerce platform system, and the platform user completes payment of the transaction goods by inputting the payment verification codes.
The invention has the beneficial effects that:
1. the invention selects the trade commodity for the platform user of the electronic commerce platform system, sends the link of the trade list to the mobile communication terminal user, sends a group of payment verification codes to the mobile phone which is associated in advance at random, and completes payment by inputting the payment verification codes.
2. The transaction list is sent to the associated mobile communication terminal user in a two-dimensional code mode, the mobile communication terminal user can select to check in a safe environment, the confidentiality is high, and the use is safer and more reliable.
Drawings
FIG. 1 is a flow chart of the present invention.
Detailed Description
The invention is described in detail below with reference to the figures and the specific embodiments.
The embodiment provides an electronic commerce platform transaction safety payment method based on the Internet of things, and the payment method is used for payment of electronic commerce platform commodity transaction.
As shown in fig. 1, the payment method includes that firstly, a platform user is registered in an e-commerce platform system, and when the platform user is registered, a login account and a login password need to be preset, and the qualification data of the registered user, such as a personal user, is checked, the personal identity document information of the user is checked, and a personal face feature picture is shot and stored in advance, and if the user is an enterprise user, the enterprise industrial and commercial information of the user is checked, so that the identity of the user is ensured to be valid; if the user is an enterprise user, identity information of the user is also required to be provided, and a human face feature picture of the user is shot and stored; the system is used for logging in an electronic commerce platform system on a platform user and carrying out identity authentication on the electronic commerce platform system; and after the registration is finished, managing the platform user and a mobile communication terminal user, wherein the mobile communication terminal user can be a WeChat user or a Paibao user.
After the setting is finished, when the electronic commerce system is used, an account and a user are used for logging in, a platform user logs in an electronic commerce platform system to select a transaction commodity, and after the selection is finished, the electronic commerce platform system generates a transaction detail table according to the selected transaction commodity, wherein the transaction detail table at least comprises a transaction commodity name and model, a transaction commodity unit price, a transaction commodity quantity, a transaction commodity main purpose and a transaction commodity total price; and then, the electronic commerce platform system generates a two-dimensional code according to the internet of things link of the transaction list and sends the two-dimensional code to a pre-associated WeChat user or a Paibao user. Therefore, the details of the transaction detail list can be kept secret by sending the two-dimensional code, and the user with the micro credit or the user with the payment treasure can select to view the details in a safe environment, so that the confidentiality of the transaction details is ensured.
When the two-dimensional code is sent, the two-dimensional code is sent to a micro credit user or a Payment user of the mobile communication terminal in an information sending mode; therefore, after the mobile communication terminal user receives the two-dimensional code, the two-dimensional code can be identified through a WeChat application program or a Paibao application program, a transaction list linked to an electronic commerce platform system is identified, the transaction list is checked and confirmed, and a confirmation instruction is sent out by clicking the confirmation in the electronic morning platform system; after receiving the confirmation instruction, the electronic commerce platform system generates a payment link according to the transaction list and sends the payment link to the platform user; payment of the transaction commodity is completed by the platform user.
When the e-commerce platform system sends the payment link to the platform user, a group of payment verification codes are sent to a mobile phone which is associated with the e-commerce platform system in advance at random, and the platform user completes payment of the transaction commodity by inputting the payment verification codes; therefore, the payment can be ensured to be safer and more reliable.
The present invention is not limited to the above preferred embodiments, and any modifications, equivalent substitutions and improvements made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (4)

1. An electronic commerce platform transaction safety payment method based on the Internet of things is characterized by comprising the following steps:
s1: a platform user logs in an electronic commerce platform system and selects a transaction commodity;
s2: the electronic commerce platform system generates a transaction list according to the selected transaction commodity, links the transaction list to a generated two-dimensional code and sends the two-dimensional code to a pre-associated mobile communication terminal user, wherein the mobile communication terminal user is a micro credit user or a Payment user, and when the two-dimensional code is sent, the two-dimensional code is sent to the micro credit user or Payment user of the mobile communication terminal in an information sending mode;
s3: the mobile communication terminal user identifies the two-dimension code, opens the linked transaction list, confirms the transaction product selected by the platform user and sends a confirmation instruction; after receiving the two-dimensional code, the mobile communication terminal user identifies the two-dimensional code through a WeChat application program or a Paibao application program, and the two-dimensional code is connected to a transaction list of an electronic commerce platform system through identification and checks and confirms the transaction list;
s4: after receiving the confirmation instruction, the electronic commerce platform system generates a payment link and sends the payment link to the platform user; completing payment of the transaction goods by the platform user; when the e-commerce platform system sends the payment link to the platform user, a group of payment verification codes are sent to the mobile phone which is associated with the e-commerce platform system in advance at random, and the platform user completes payment of the transaction commodity by inputting the payment verification codes;
wherein, the platform user and the mobile communication terminal user are respectively operated by different people.
2. The e-commerce platform transaction secure payment method of claim 1, wherein: in step S1, when the platform user logs in the e-commerce platform system, the e-commerce platform system further performs identity verification, which includes password authentication and face recognition authentication.
3. The e-commerce platform transaction secure payment method of claim 1, wherein: the trade detail at least comprises trade commodity name and model, trade commodity unit price, trade commodity quantity, trade commodity main use and trade commodity total price.
4. The e-commerce platform transaction secure payment method of claim 1, wherein: prior to step S1, step S0 is also performed: and setting a platform user login account and associating the platform user login account with the mobile communication terminal user.
CN201910491291.1A 2019-06-06 2019-06-06 Electronic commerce platform transaction safety payment method based on Internet of things Active CN110245938B (en)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011137558A1 (en) * 2010-05-04 2011-11-10 Liu Wenxiang Network finance device and method thereof
CN104281948A (en) * 2013-07-09 2015-01-14 航天信息股份有限公司 Mobile payment method and system based on two-dimension codes
CN103778531A (en) * 2014-02-23 2014-05-07 王恩惠 Method and system for implementing electronic bank card payment on basis of two-dimensional code
CN106682899A (en) * 2015-11-10 2017-05-17 国民技术股份有限公司 Method for confirming online transaction safety through mobile phone and system thereof

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