Electronic payment method and system
An electronic payment and account technology, applied in the field of electronic payment methods and systems, can solve the problems of low reliability, security, payment efficiency, easy counterfeiting, tampering, lengthy process, etc., to save manual signature and paper transfer process Effect
Inactive Publication Date: 2012-11-21
姚余川
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Problems solved by technology
[0004] However, in the financial appropriation process of the above-mentioned implementation method, the process is lengthy and slow due to paper transfer, and there are problems such as being easy to be counterfeited and tampered with, which leads to defects in reliability, security and payment efficiency.
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[0035] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.
[0036] The embodiment of the invention discloses an electronic payment method and system to improve the reliability, security and payment efficiency of centralized payment.
[0037] figure 1 An electronic payment method is shown, comprising:
[0038] Step 11: Establish the digital key pair of the payment account and the receiving account and digitally sign the accounts in the account of the special funds;
[0039] Step 12: Decrypt the received payment instruction...
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The embodiment of the invention discloses an electronic payment method and an electronic payment system. The method comprises the following steps: building a payment account, receiving a digital secret key pair of the account, and digitally signing on items of the account for a special fund; decrypting a received payment instruction data packet and obtaining the digital signature of the payment instruction data packet and the basic information of the special fund; authenticating the validity of the digital signature and analyzing the basic information of the special fund when the authentication is successful; and authenticating the effectiveness for the basic information of the special fund according to the payment instruction information of the digital signature, and paying the amount of money corresponding to the account in the basic information of the special fund to a fund receiving account after the authentication is successful. Therefore, the electronic payment for the account of the special fund is implemented, the flows of an artificial signature and paper delivery are saved, and the safety and the reliability of payment are improved while the settlement efficiency is improved.
Description
technical field [0001] The present invention relates to the technical field of electronic payment, more specifically, to an electronic payment method and system. Background technique [0002] Centralized payment and allocation of huge funds such as special funds is the current procedure of appropriating financial funds layer by layer. A special line fund account system is established to manage all special funds into a single account system and allocate them to the payee, realizing direct payment and reducing retention The phenomenon of misappropriation and misappropriation of funds has strengthened the management and supervision of financial expenditures, which is of great significance in improving the efficiency of fund operation and the use of benefits. [0003] In order to ensure the accuracy and authority of the payment information in the existing centralized payment operation process, the financial department usually issues a stamped paper document, and the payment inst...
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Inventor 姚余川
Owner 姚余川