WO2009000130A1 - Procédé et système de réalisation de paiement en réseau - Google Patents

Procédé et système de réalisation de paiement en réseau Download PDF

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Publication number
WO2009000130A1
WO2009000130A1 PCT/CN2007/070224 CN2007070224W WO2009000130A1 WO 2009000130 A1 WO2009000130 A1 WO 2009000130A1 CN 2007070224 W CN2007070224 W CN 2007070224W WO 2009000130 A1 WO2009000130 A1 WO 2009000130A1
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WO
WIPO (PCT)
Prior art keywords
payment
authentication
user
temporary
information
Prior art date
Application number
PCT/CN2007/070224
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English (en)
Chinese (zh)
Inventor
Yafeng Xiang
Original Assignee
Yafeng Xiang
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Yafeng Xiang filed Critical Yafeng Xiang
Publication of WO2009000130A1 publication Critical patent/WO2009000130A1/fr

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Classifications

    • 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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the present invention relates to network technologies, and more particularly to a method and system for implementing network payment.
  • BACKGROUND In current network payment systems, when a user performs network payment, the user's identity needs to be authenticated first, and the user identity is usually used in the following manner: user account plus password,
  • the most commonly used user authentication method is the user account plus password method.
  • the account and password entered by the user are very easy to be sneaked or maliciously stolen by others, and the security is very limited.
  • the most common ways to steal someone else's account and password are: one is to trick the user into entering their own account and password through a fake link page; the other is to use the computer virus or malicious program to obtain the user's personal information, intercepting the Account number and password.
  • the user's account and password are usually encrypted or using a dynamic key.
  • the desired effect could not be achieved.
  • the IC card authentication method has high security, it is necessary to use a terminal having the ability to read the IC card in order to use the IC card authentication method. Since the user uses most of the computers in the network payment, the computer has only a common function. The IC card authentication method cannot be widely used in network payment.
  • the main object of the present invention is to provide a method and system for implementing network payment, which provides a secure and effective authentication method in network payment.
  • a method for implementing network payment comprising:
  • the payer user registers the user information in the payment authentication system
  • the payment authentication system generates a temporary authentication identifier according to the request of the payer user, provides the generated temporary authentication identifier to the user, and saves the correspondence between the temporary authentication identifier and the user information in the database of the system;
  • the payment requester When making a network payment, the payment requester provides the payment authentication system with the temporary authentication identifier obtained by the payment user from the payment authentication system, and provides the payee information and the transaction amount;
  • the payment authentication system obtains the user information from the database according to the temporary authentication identifier, and confirms that the payment request is valid, and completes the payment processing.
  • the user information at least includes: payment account information, and further includes: payment authentication additional restriction information, or user identity related information, or temporary authentication identification information, or usage record, or any combination thereof.
  • the method further includes: setting additional restriction information for the temporary authentication identifier; when the additional restriction information includes the authentication password, when performing the network payment, the method further comprises: the payment requester providing the payment authentication system with the authentication password provided by the payer user;
  • the method further includes: the payment authentication system updating the user information associated with the temporary authentication identifier in the database based on the payment authentication processing result.
  • the additional authentication restriction information is set by the user at the time of registration; or is set when the user requests the temporary authentication identification from the payment authentication system; or is set by the payment authentication system.
  • the temporary authentication identifier does not include or implied payment account information for payment. After the completing the payment processing, the method further includes:
  • the payment authentication system sends a payment authentication processing result to the payment requester.
  • the step A further includes the payment authentication system transmitting a payment authentication processing result to the payer user.
  • the present invention also provides a system for implementing network payment, the system comprising: a payer user client, a payment requester client, and a payment authentication system, wherein
  • the payer user client is configured to provide user information to the payment authentication system, request the payment authentication system to provide the temporary authentication identifier, and receive the temporary authentication identifier generated by the payment authentication system;
  • the payment authentication system is configured to register the user information provided by the payer user client, accept the request for providing the temporary authentication identifier by the payer user client, and return the temporary authentication identifier generated by the user to the payer user client. Receiving the temporary authentication identifier, the payee information, and the transaction amount provided by the payment requester client, and determining that the temporary authentication identifier is valid, completing the payment processing; the payment requester client is configured to make a payment request to the payment authentication system, to pay Certification The system provides the temporary authentication identifier of the payer user, and provides the payee information and the transaction amount, and accepts the payment authentication processing result of the payment authentication system.
  • the payment requester client includes:
  • a user terminal of the payment authentication system a network terminal connected to the payment authentication system, and a payee user system that issues a payment request to the payment authentication system.
  • the payment authentication system is further configured to send a payment authentication processing result to the payment requester client, where the payment authentication system further sends a payment authentication processing result to the paying party user.
  • the user registers the user information in the payment authentication system, and the payment authentication system generates the temporary authentication identifier according to the request of the payer user, provides the generated temporary authentication identifier to the user, and associates the temporary authentication identifier with the user information.
  • the payment requester provides the temporary authentication identifier obtained by the payer user from the payment authentication system to the payment authentication system, and provides the payee information and the transaction amount, and the payment authentication system is based on the temporary authentication.
  • the identifier obtains the user information from the database, confirms that the payment request is valid, and completes the payment processing.
  • FIG. 1 is a schematic structural diagram of a network payment system according to the present invention.
  • a user registers user information in a Payment and Authorization System, and the payment authentication system generates a temporary authentication identifier according to a request of the payer user, provides the generated temporary authentication identifier to the user, and provides temporary authentication.
  • the correspondence between the identifier and the user information is saved in the database of the system.
  • the payment requester When the network payment is made, the payment requester provides the temporary authentication identifier obtained by the payer user from the payment authentication system to the payment authentication system, and provides the payee information and The transaction amount, the payment authentication system obtains the user information from the database according to the temporary authentication identifier, and confirms that the payment request is valid, and completes the payment processing.
  • the network payment system includes a payer user client, a payment authentication system, and a payment requester client.
  • the payer user client is configured to provide user information to the payment authentication system, request the payment authentication system to provide the temporary authentication identifier, and receive the temporary authentication identifier generated by the payment authentication system; the payment authentication system is used for the paying party user client.
  • the user information provided by the terminal is registered, accepts the request for providing the temporary authentication identifier by the payer user client, returns the temporary authentication identifier generated for the user to the payer user client, and receives the temporary authentication identifier provided by the payment requester client, And providing the payee information and the transaction amount, determining that the temporary authentication identifier is valid, completing the payment processing;
  • the payment requester client is configured to make a payment request to the payment authentication system, and providing the payment authentication system with the temporary authentication of the paying party user Identify and authenticate the password, and provide the payee information and transaction amount, and accept the payment authentication processing result of the payment authentication system.
  • the payment requester client includes: a user terminal of the payment authentication system, a network terminal connected to the payment authentication system, and a payee user system that issues a payment request to the payment authentication system.
  • the payment authentication system may include a payment subsystem, and the specific process of completing the payment processing may be:
  • the payment authentication system obtains the payment account information of the payment user from the database according to the temporary authentication identifier, and invokes the payment subsystem to perform payment processing, and the payment subsystem is configured to complete the payment account information, the payee information, and the transaction amount provided by the payment authentication system. Payment processing.
  • the payment authentication processing result may be returned to the payment authentication system; after receiving the payment authentication processing result sent by the payment subsystem, the payment authentication system sends the payment authentication processing result to the payment requester client.
  • the payment authentication system can further send payment authentication processing results to the payer user client.
  • FIG. 2 is a flowchart of a specific embodiment of a network payment according to the present invention. As shown in FIG. 2, a payment authentication system is set. The processing process of the network payment in this embodiment includes the following steps:
  • Step 201 The user authorizes the payment authentication system to perform network payment, provides the user authentication information to the payment authentication system, and the payment authentication system registers the user information.
  • the user information includes: payment account information, payment authentication additional restriction information, user identity related information, temporary authentication identification information, usage record, and the like, wherein the payment account information may include the user's account number and password.
  • Step 202 to step 203 The user requests the temporary authentication identifier from the payment authentication system. After receiving the request from the user, the payment authentication system generates a temporary authentication identifier, stores the correspondence between the user information and the temporary authentication identifier in the system database, and then provides the temporary authentication identifier to the user.
  • the temporary authentication ID generated by the payment authentication system is unique in the system.
  • the user can provide other information, such as a temporary password set by the user, in addition to providing the temporary authentication identifier when setting the network payment in the payment authentication system, so that when the network payment is made, the payment authentication system will determine the payment according to the user's setting. Whether the information provided by the requester satisfies the conditions.
  • users can also set some auxiliary conditions, such as the maximum amount of transactions per network payment.
  • the payment authentication system can set additional restriction information for the generated temporary authentication identifier, for example, The effective number of the temporary authentication mark is set to 1 time, the validity period of the temporary authentication mark is set to 1 day, the validity period of the temporary authentication mark is set to 2 days, and the effective number is 1 time, and so on.
  • the additional restriction information may be set by the user, for example, the user sets additional restriction information when registering, and, for example, the user sets additional restriction information when requesting the payment authentication system to provide the authentication temporary authentication identifier, so that the payment authentication system can be set according to the user. Additional restriction information is set for the temporary authentication ID, and additional restriction information can be automatically set for the temporary authentication ID.
  • Step 204 to Step 205 When a network payment is required, the payment requester obtains the temporary authentication identifier from the payment user, and if the authentication password is required, the authentication password is also obtained; the payment requester provides the temporary authentication identifier or temporary authentication to the payment authentication system. Identify and authenticate the password and provide the payee account number and transaction amount.
  • Step 206 The payment authentication system determines whether the temporary authentication identifier is valid. If yes, proceed to step 207; otherwise, proceed to step 210.
  • Whether the temporary authentication identifier is valid may refer to whether the temporary authentication identifier is stored in the database of the payment authentication system. If the temporary authentication identifier is stored in the payment authentication system, the temporary authentication identifier is valid. Otherwise, the temporary authentication identifier is invalid. If the user also sets an authentication password for the temporary authentication identifier, whether the temporary authentication identifier is valid means whether the corresponding temporary authentication identifier is stored in the payment authentication system, and whether the temporary authentication identifier corresponds to the authentication password, if this If both conditions are met, the temporary authentication ID is valid; otherwise, the temporary authentication ID is invalid. If the payment authentication system sets additional restriction information for the temporary authentication identifier, it is further required to determine whether the payment request information satisfies the additional restriction information.
  • the request information includes at least a temporary authentication identifier, and may also include other information.
  • Step 207 The payment authentication system determines the payment account information in the user information corresponding to the temporary authentication identifier according to the correspondence between the stored temporary authentication identifier and the user information, and provides the payment account information and the payee account to the payment subsystem. And the transaction amount.
  • Step 208 The payment subsystem completes the payment processing according to the payment account information, the payee account number, and the transaction amount.
  • the payment subsystem can call the external payment system when making payment processing.
  • Step 209 After the payment subsystem completes the payment processing, the payment authentication processing result is sent to the payment authentication system.
  • the specific processing may be: if the payment processing is successful, the payment subsystem sends a success message to the payment authentication system; if the payment processing fails, the payment is made. The subsystem sends a failure message to the payment authentication system.
  • Step 210 The payment authentication system transmits a payment authentication processing result to the payment requester, and notifies the payment requester to pay the result of the authentication processing.
  • the payment authentication system may also send a payment authentication processing result to the payment user, and notify the payment user of the result of the payment processing.
  • Step 211 The payment authentication system updates relevant data in the database, records the processing result of the current network payment, and updates the user information related to the temporary authentication identifier.
  • the payment requester can also be the payer user.
  • the paying party user obtains the payee account number, and then provides the temporary authentication identifier, the payee account number and the transaction amount to the authentication subsystem, and the subsequent processing is the same as the above description.
  • the payment requester can also be the payee.
  • the payee obtains the temporary authentication identifier through the interaction with the payer, and then provides the temporary authentication identifier, the own account number and the transaction amount to the authentication subsystem, and the subsequent processing is the same as the above description.
  • the payment requester may also be a third party other than the payer and the payee. When the network is performed, the third party obtains the temporary authentication identifier through the interaction with the payer, acquires the payee account, and then provides the temporary authentication identifier to the authentication subsystem. , the payee account number and the transaction amount, the subsequent processing is the same as the above description.
  • the payee account can also be registered in the payment authentication system in advance, and the authentication payment system provides the account identifier for the payee account, and stores the correspondence between the account identifier and the payee account in the system database, and the payment request The user only needs to provide the account identification to the payment authentication system, and the payment authentication system searches the database for the payee account corresponding to the account identifier, and the subsequent processing is the same.
  • the user logs in to the payment authentication system through the Internet browser, requests the temporary authentication identifier from the payment authentication system, and sets the temporary authentication identifier to set the authentication password.
  • the effective number of setting the temporary authentication identifier is 3 times, the validity period is 12 hours, and each setting is also set.
  • the maximum transaction amount of the secondary network payment is 1000 yuan, and the maximum cumulative total is 2000 yuan; the payment authentication system provides the generated user identification to the user.
  • the payment authentication system generates a temporary authentication identifier, and stores the corresponding relationship between the payment account information of the user, the set additional restriction information, and the temporary authentication identifier to the database, and provides the generated temporary authentication identifier to the user, and the Internet browser displays the temporary identifier to the user. Certification mark.
  • the number of digits or characters constituting the temporary authentication mark must be large enough to prevent the temporary authentication mark from being forged by random generation or the like. For example, if the maximum number of temporary authentication IDs generated by the payment authentication system is 100 million per day, and the maximum validity period for setting the temporary identification is 100 days, the default setting of the temporary authentication identifier is 1 day, and if the temporary authentication identifier is 20 digits. The number of digits, the probability that the temporary authentication mark is forged Less than one billionth; if the temporary authentication mark is composed of 20 digits, or English letters, or numbers and English letters, the probability that the temporary authentication mark is forged is less than one part per trillion. In order to ensure the security of the user's personal information, the temporary authentication logo should not be directly related to any personal information of the user. The personal information of the user can only be retrieved from the stored information according to the temporary authentication identifier through the payment authentication system.
  • the user accesses the online sales system through the Internet browser, selects the product, enters the payment page of the online sales system, inputs the temporary authentication identifier and the authentication password provided by the payment authentication system, and after confirming the purchase, the online sales system provides the transaction to the payment authentication system.
  • the amount, the temporary authentication ID provided by the user, and the payee account number request the payment authentication system to perform authentication and complete the payment processing.
  • the payment authentication system After receiving the transaction amount, the temporary authentication identifier, the authentication password, and the payee account number, the payment authentication system retrieves the additional restriction information, the authentication password, and the payment account information set by the user from the database according to the temporary authentication identifier. After the payment authentication system confirms that the temporary authentication identifier is valid, the payment authentication system provides the payment subsystem with the user's payment account and authentication password, and the payee account number, requesting completion of the payment processing. After the payment subsystem confirms that the payment request is valid, that is, the user's payment account information is accurate, and the transfer process from the payment account to the payee account is completed according to the transaction amount. After the payment process is completed, the payment subsystem returns the payment authentication process result to the payment authentication system.
  • the payment authentication system After receiving the processing result of the payment subsystem, the payment authentication system returns the payment authentication processing result to the online sales system, and updates the related data of the temporary authentication identifier in the database. After the online sales system receives the payment processing completion result of the payment authentication system, the payment completion information is displayed on the webpage, and the entire network payment process is completed.
  • the user uses the mobile terminal with the smart chip as the network terminal to access the payment authentication system,
  • the payment authentication system requests the temporary authentication identifier, and no additional restriction information is set.
  • the payment authentication system retrieves the default additional restriction information set by the user from the database as valid once, the validity period is 10 minutes, the maximum transaction amount is 10,000 yuan, the authentication password is not used, and the payment authentication system uses the system date and user.
  • the account generates a random number, and the random number is used as a parameter for determining the temporary authentication identifier, and a temporary authentication identifier of a 20-digit identification number consisting of a number and an English letter is obtained.
  • the algorithm of the temporary authentication identifier ensures that the user account cannot be obtained according to the temporary authentication identifier generated by the payment authentication system.
  • the payment authentication system provides the generated temporary authentication identifier to the user, and stores the correspondence between the payment account information of the user, the set additional restriction information, and the temporary authentication identifier.
  • the temporary authentication identifier provided by the payment authentication system is input to the collection network terminal of the store.
  • the payment network terminal provides the payment authentication system with the transaction amount, the temporary authentication identifier provided by the user, and the payee account number, and requests the payment authentication system to perform authentication and complete the payment processing.
  • the payment authentication system After receiving the transaction amount, the temporary authentication identifier, and the payee account number, the payment authentication system retrieves the additional restriction information set by the user and the payment account information of the user from the stored information according to the temporary authentication identifier. After the payment authentication system confirms that the temporary authentication identifier is valid, the payment authentication system provides the payment subsystem with the user's payment account and authentication password, and the payee account number, requesting completion of the payment processing. After the payment subsystem confirms that the payment request is valid, that is, the user's payment account information is accurate, and the transfer process from the payment account to the payee account is completed according to the transaction amount. After the payment processing is completed, the payment subsystem returns the payment authentication processing result to the payment authentication system.
  • the payment authentication system After receiving the processing result of the payment subsystem, the payment authentication system returns the payment authentication processing result to the collection network terminal of the store, and sets the use valid status of the corresponding temporary authentication identifier in the database to be unusable according to the additional restriction information set by the user.
  • the payment network terminal of the store receives the payment processing completion result of the payment authentication system After that, the payment completion information is displayed on the terminal, and the entire network payment process is completed.
  • the mobile terminal with the smart chip accesses the payment authentication system to obtain the temporary authentication identifier, and although the requirements for the mobile terminal are high, it has higher security.
  • the user accesses the voice service system of the payment authentication system through the terminal, and requests the payment authentication system to generate a temporary authentication identifier.
  • the payment authentication system may provide the temporary authentication identifier to the user by means of direct response, or may send the temporary authentication identifier to the user through the mobile phone short message, and store the payment account information of the user, the set additional restriction information and the temporary authentication identifier. Correspondence relationship.
  • the user accesses the online sales system through the Internet browser, selects the product, enters the payment page of the online sales system, inputs the temporary authentication identifier provided by the payment authentication system, confirms the purchase, and the online sales system provides the transaction amount and the user to the payment authentication system.
  • the provisional certification ID and the payee account number are requested to request the payment authentication system to perform authentication and complete the payment processing.
  • the payment authentication system After receiving the transaction amount, the temporary authentication identifier, and the payee account number, the payment authentication system retrieves the additional restriction information set by the user and the payment account information of the user from the stored information according to the temporary authentication identifier. After the payment authentication system confirms that the temporary authentication identifier is valid, the payment authentication system provides the payment subsystem with the user's payment account and authentication password, and the payee account number, requesting completion of the payment processing. After the payment subsystem confirms that the payment request is valid, that is, the user's payment account information is accurate, and the transfer process from the payment account to the payee account is completed according to the transaction amount. After the payment processing is completed, the payment subsystem returns the payment authentication processing result to the payment authentication system.
  • the payment authentication system After receiving the processing result of the payment subsystem, the payment authentication system returns the payment authentication processing result to the online sales system, and operates the corresponding temporary authentication identifier setting according to the additional restriction information set by the user. After receiving the payment processing completion result of the payment authentication system, the online sales system displays the payment completion information on the webpage, completing the whole A network payment process.

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  • Engineering & Computer Science (AREA)
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Abstract

La présente invention concerne un procédé et un système permettant de réaliser un paiement en réseau. Selon le procédé, un utilisateur enregistre les informations d'un utilisateur dans un système de paiement et d'autorisation (201), le système de paiement et d'autorisation génère un identifiant d'autorisation temporaire en réponse à la demande d'un payeur (202), fournit l'identifiant d'autorisation temporaire généré à l'utilisateur (203), et stocke la relation existant entre les informations de l'utilisateur et l'identifiant d'autorisation temporaire dans la base de données du système, lorsque le paiement en réseau est exécuté, un bénéficiaire fournit l'identifiant d'autorisation temporaire donné par le système de paiement et d'autorisation au payeur, les informations du bénéficiaire et la quantité de transaction au système de paiement et d'autorisation (205), le système de paiement et d'autorisation obtient de la base de données les informations de l'utilisateur, conformément à l'identifiant d'autorisation temporaire, puis réalise le paiement lorsque la demande de paiement est effective. De cette manière, grâce à un système tiers fiable, c'est-à-dire le système de paiement et d'autorisation, l'utilisateur n'est pas tenu de donner les informations relatives au compte de paiement lorsque le paiement en réseau est exécuté, ce qui empêche le vol par autrui des informations relatives au compte de paiement d'un utilisateur, telles que le numéro et le code de compte, et sécurise le paiement en réseau.
PCT/CN2007/070224 2007-06-28 2007-07-03 Procédé et système de réalisation de paiement en réseau WO2009000130A1 (fr)

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CNA2007101124730A CN101067856A (zh) 2007-06-28 2007-06-28 一种实现网络支付的方法及系统
CN200710112473.0 2007-06-28

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