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Security payment method and system

A technology for secure payment and payment amount, which is applied in the field of secure payment methods and systems, and can solve the problems that it is difficult for malicious merchants to intercept information and be hijacked.

Inactive Publication Date: 2014-01-01
奈纷信息技术(上海)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

There are still deficiencies in this protocol: an MPI is accessed through the merchant side, and the cardholder's credit card number can be obtained by Visa, the merchant or the acquiring bank
The second is to jump through the user's browser, which has the risk of being hijacked
Therefore, it is difficult for malicious merchants to intercept information

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0048] Such as Figure 4 As shown, the present invention provides a secure payment method, the core feature of which is that during the payment process, the consumer client does not need to tell the merchant client the account number, but the consumer bank server provides the payment certificate to the merchant client, and the merchant The client receives the payment based on the payment certificate; at the same time, there is no direct information interaction between the server of the customer’s account opening bank and the merchant’s client. The method includes step S1 to step S11.

[0049] Step S1, the consumer client sends a payment application including the name of the merchant and the payment amount to the server of the customer's account opening bank; specifically, when the consumer selects the product, the consumer sends the account to the server of the consumer's account opening bank through the account number and password. When submitting a payment application, the ...

Embodiment 2

[0071] Such as Figure 5 As shown, the present invention also provides another secure payment system, including a consumer client 1 , a consumer bank server 2 , a merchant client 3 and a merchant acquirer server 4 .

[0072] The consumer client 1 is used to send a payment application including the name of the merchant and the payment amount to the server of the consumer bank, and the consumer client sends the payment voucher received from the server of the consumer bank to the client of the merchant ;

[0073] The consumer bank server 2 is used to judge whether the payment application is approved, and if approved, generate a payment voucher after freezing the relevant funds according to the payment application and send it to the consumer client, and store the payment voucher corresponding to the payment voucher. Validity period, merchant name and payment amount, if not approved, notify the consumer client that the payment application is not approved; and used to judge the mer...

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PUM

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Abstract

The invention provides a security payment method and system. In a payment process, a customer client needn't tell an account number to a commercial tenant client, a customer opening bank server can provide a payment voucher for the commercial tenant client, the commercial tenant client can collect expense according to the payment voucher, meanwhile no direct information interaction exists between the customer opening bank server and the commercial tenant client, and the commercial tenant client can entrust a commercial tenant acquiring bank server to withdraw money form the customer opening bank server. The security payment method and system can guarantee the safety of the user account number. In addition, no direct information interaction exists between the customer opening bank server and the commercial tenant client, the identity of the customer opening bank server and the identity of the commercial tenant client needn't be authenticated, the complex steps in payment are reduced, and the payment process is safer and more convenient.

Description

technical field [0001] The invention relates to a safe payment method and system. Background technique [0002] With the continuous development of the Internet industry, online payment has penetrated into the daily life of hundreds of millions of users, but news of phishing and theft are also reported in the newspapers from time to time, and the security of online payment is getting more and more attention. [0003] At present, the security solutions for network payment mainly include: SSL protocol, SET protocol, 3D-secure, Directpay, etc. But each of these agreements has its own problems. These security protocols are introduced as follows: [0004] The Secure Sockets Layer protocol (SSL protocol: Secure Socket Layer) is a secure communication protocol introduced by Netscape. It is a protocol for encrypting the entire session between computers, providing encryption, authentication services and message integrity. sex. The online payment process based on the SSL protocol i...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/42G06Q20/38G06Q20/02
CPCG06Q20/16G06Q20/405G06Q20/401G06Q20/12G06Q20/40G06Q30/06
Inventor 俞强华
Owner 奈纷信息技术(上海)有限公司
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