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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

AI Technical Summary

Problems solved by technology

[0015] The embodiment of the present application provides a network payment authentication method, server and system to solve the problem in the prior art that phishing behavior using the online bank payment interface affects the security of e-commerce transactions

Method used

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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

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Embodiment Construction

[0040] The inventors of the present application have found that the flow chart (such as figure 2It can be seen that the reason why the phishers can use the phished person to buy goods for themselves is that the online bank payment interface cannot judge whether the person who is currently paying is the user who is actually buying the goods, and the When the online bank notifies the e-commerce platform of the payment result, it cannot inform the e-commerce platform whether the user who has completed the payment is actually the user who is purchasing the product. Behavior affects the transaction security of the e-commerce platform. The key point is to authenticate the user who actually completed the payment operation. Only when the user who actually completed the payment operation is the same as the user who purchased the product on the e-commerce platform, the transaction is allowed to continue .

[0041] In order to more clearly illustrate the specific implementation of the ...

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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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