Network payment authentication method, server and system

A network payment and server technology, applied in the field of network security, can solve problems affecting the security of e-commerce transactions, etc.

Active Publication Date: 2011-10-19
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0015] The embodiment of the present application provides a network payment authentication method, server and system to solve the pr

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  • Network payment authentication method, server and system
  • Network payment authentication method, server and system
  • Network payment authentication method, server and system

Examples

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Example Embodiment

[0040] The inventor of this application found that, from the prior art, the flow chart of online banking payment interface for phishing behavior (such as figure 2 (Shown) It can be seen that the reason why phishers can use the phishers to buy goods for themselves is that the online bank payment interface cannot determine whether the person who is currently paying is the user who is actually buying the goods. When the online bank informs the e-commerce platform of the payment result, it cannot tell whether the user who is currently completing the payment is the user who is actually purchasing the goods. Therefore, in order to solve the existing e-commerce field using the online bank payment interface for phishing The key point of behaviors affecting the security of transactions on e-commerce platforms is to authenticate users who actually complete the payment operations. Only when the users who actually complete the payment operations are consistent with the users who purchase go...

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Abstract

The application discloses a network payment authentication method, a server and a system. The method comprises the following steps that an e-commerce website server receives online bank identification selected by a user and identity authentication identification information which is input by the user and corresponds to the online bank identification; the e-commerce website server sets up a payment request and returns the payment request to the user, wherein the payment request contains the identity authentication identification information; and the e-commerce website server receives the authentication result returned by an online bank server, wherein the authentication result is obtained in the way that according to the identity authentication information contained in the payment request transmitted by the user, and the online bank server carries out authentication to the identity authentication information input by the user in the payment operation. The application completely eradicates illegal actions that phishing is carried out by an online bank payment interface, so as to protect the safety of the transaction by utilizing the network payment of the e-commerce website server.

Description

technical field [0001] The present application relates to the technical field of network security, in particular to a network payment authentication method, server and system. Background technique [0002] At present, in the field of e-commerce, most e-commerce websites cooperate with banks to make payment through the online banking payment interface provided by the bank. Users benefit from it. The illegal activities of phishing will bring unnecessary losses to users, e-commerce websites and merchants who conduct legitimate transactions, and affect the payment security between users, e-commerce websites and banks. [0003] The process of legitimate users shopping through the e-commerce platform and using the online banking payment interface to pay is as follows: figure 1 shown, including: [0004] Step 1A, the user purchases goods on the e-commerce platform, selects the online bank payment interface to make payment, and the e-commerce platform generates a link to the bank...

Claims

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Application Information

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IPC IPC(8): H04L29/06H04L9/32G06Q20/00
Inventor 尤占涛
Owner ADVANCED NEW TECH CO LTD
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