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Method and system for information interaction

An information interaction and payment system technology, applied in the field of information interaction, can solve problems such as low security, payment system purchase amount transfer processing errors, etc., and achieve the effect of improving security

Inactive Publication Date: 2009-10-21
POTEVIO INFORMATION TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In this process, since the information sent by the PC to the payment system is likely to be modified, an error occurs in the transfer processing of the payment system for the purchase amount
[0015] It can be seen that the existing schemes for information exchange through the Internet have the disadvantage of low security

Method used

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  • Method and system for information interaction
  • Method and system for information interaction
  • Method and system for information interaction

Examples

Experimental program
Comparison scheme
Effect test

example 1

[0049] see image 3 , is an example 1 of the flow chart of the method for information interaction in the present invention, and the process includes the following steps:

[0050] Step 301, the business platform authenticates the identity of the user.

[0051] The business platform receives the login request sent by the PC through the Internet, and authenticates the user according to the user name and password included in the login request. At the same time, the PC can also authenticate the relevant business websites provided by the business platform.

[0052] In step 302, the PC logs into the business platform.

[0053] In step 303, the PC sends order information to the business platform.

[0054] The order information includes purchased items, purchase amount, information of the payer and account number of the payer, and the information of the payer includes the mobile phone identifier of the payer.

[0055] Step 304, the business platform sends a transaction request to t...

example 2

[0070] see Figure 4 , the flow chart example 2 of the method for information interaction in the present invention, the process includes the following steps:

[0071] Steps 401-404 are the same as steps 301-304.

[0072] Step 405, the payment system signs the unconfirmed transaction message including the order information.

[0073] Step 406, the payment system sends the signed unconfirmed transaction message to the mobile phone.

[0074] The mobile phone mentioned in this step is the mobile phone corresponding to the mobile phone identification included in the order information.

[0075] In step 407, the mobile phone confirms the order information after verifying the signature.

[0076] During the process of opening an account, the payment system and the user agree on their respective signatures, and then the payment system's signature is saved in the smart memory card, and the user's signature is saved in the payment system. When the mobile phone verifies the signature of...

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PUM

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Abstract

The invention discloses a method and a system for information interaction, wherein the method comprises the following steps that: a business platform receives order information sent by a personal computer and sends a transaction request to a payment system through internet, wherein the transaction request comprises the order information, and payer information comprises a mobile phone identification of a payer; the payment system sends an unconfirmed message comprising the order information to a mobile phone corresponding to the mobile phone identification of the payer; the payment system receives a transaction confirmation message returned from the mobile phone; and after validating an account number and a password of the payer, the payment system transfers a purchase amount in the confirmation message into an account number of a payee from the account number of the payer. The information interaction is finished through two network channels, particularly in the prior art, information on an interaction through the internet needs to be confirmed by the mobile phone in the method and the system and then corresponding processing can be carried on, thus the safety of the information interaction is improved.

Description

technical field [0001] The present invention relates to network communication technology, in particular to a method and system for information interaction. Background technique [0002] In the process of information exchange between the two parties through the Internet, the exchanged information is often stolen, which causes the problem of low security of information exchange. The following takes an example of the theft of information exchanged by both parties through the Internet during an online transaction. [0003] With the large-scale popularization of the Internet, various banks have gradually opened their own online banking systems. Some online banking systems are limited to account information inquiries, some include online transaction functions such as transfer payments, and some have already involved loans, investments, etc. content. The following is a detailed description of the payment process for online transactions, which includes the following steps: [000...

Claims

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Application Information

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IPC IPC(8): G07F19/00G07F7/00H04L9/32G06Q30/00G06Q40/00H04W88/00
Inventor 李力争刘道斌杨木祥刘宏伟姚彬王四军刘福桦窦永金
Owner POTEVIO INFORMATION TECH