System and method for ensuring safety of network payment

A network transaction and security technology, applied in the field of network communication, can solve the problems of false ones, the inability to prevent the risk of IE browser being hijacked, and the encryption technology cannot completely prevent the theft of online bank account numbers and passwords, so as to achieve the effect of reliability

Active Publication Date: 2012-07-25
MAIPU COMM TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] 2. It is impossible to prevent the risk of the IE browser on the network trading terminal being hijacked
[0006] 3. False online transaction orders can often be confused with real ones
However, judging from the current transaction status of online banking security incidents, it is not difficult to find that the upgrade of encryption technology cannot completely prevent the theft of online banking account numbers and passwords, and even the use of USBKeys based on digital certificates cannot prevent Trojan horses from attacking digital signatures. Transaction information is tampered with, leading to online banking account theft

Method used

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  • System and method for ensuring safety of network payment
  • System and method for ensuring safety of network payment
  • System and method for ensuring safety of network payment

Examples

Experimental program
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Embodiment

[0063] In order to facilitate a further understanding of the solution of the present invention, the following examples illustrate the specific implementation process of the system and method for ensuring network transaction security of the present invention, see Figure 5 shown.

[0064] (1) On the PC of the online transaction terminal used by the user, connect an encryption device USB Key with LCD display, button confirmation and short message sending and receiving functions, and enter the PIN code of the USB Key to log in to the online banking;

[0065] (2) When the user conducts online banking transactions, the PC transmits the transaction data to the USB Key, and the USB Key reads the transaction data and displays the transaction information (including transaction collection account number, payee name, and transaction amount) on the LCD screen , the online banking user confirms whether the transaction information displayed on the LCD screen is the operation he expects, and i...

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Abstract

The invention provides a method for ensuring safety of network payment. The method comprises the following steps of: displaying user payment information on an encryption device connected with a network payment terminal, and checking and confirming the user payment information by a user so as to realize visualized confirmation of network payment client login authentication and payment safety; configuring a short message channel between a network payment platform and a network payment terminal to realize another safe transmission channel of the payment information outside network; and matching the user payment information transmitted by a current network with the user payment information transmitted by a short message on the payment platform to realize the final confirmation of the reliability of the payment information.

Description

technical field [0001] The invention relates to network communication technology, in particular to a security assurance technology for network transactions based on the Internet and the mobile Internet. Background technique [0002] With the development of information technology, online banking (referred to as online banking) is becoming more and more important in the banking business. Large commercial banks, small and medium-sized national joint-stock banks, city commercial banks, rural credit cooperatives and various village banks are actively building And to develop their own online banking business, the online banking settlement volume of some big banks has accounted for more than 50% of the total business share. With the rise of online shopping, the number of online banking users is growing rapidly, and online banking has become the most important part of e-commerce. Online banking has become a strategic business and profit growth point for banking financial institutio...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06H04W12/02G06Q30/00
Inventor 邓霄博刘高锦
Owner MAIPU COMM TECH CO LTD
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