Secure electronic payment method based on four parties

Abstract

The invention relates to the field of secure electronic payment, in particular to a secure electronic payment method based on four parties for an SET protocol. The electronic commerce payment refers to the activity of sending data to a bank to realize electronic payment in a secure manner by adopting a novel payment means, including a credit card, a debit card, an intelligent card and the like, among a consumer, a merchant and a financial institution, and is the core of realizing electronic commerce. The establishment of an SET-protocol-based secure electronic payment protocol which satisfies atomic transaction and comprises dispute handling rules is crucial. According to the secure electronic payment method, participants of the secure electronic payment protocol based on four parties include a client, a merchant, a payment institution and a fourth party; and in the secure electronic payment protocol, 3 dispute handling protocols are designed in consideration of possible dispute cases in transactions on the basis of a principle protocol of an electronic commerce payment protocol, and the 3 dispute handling protocols are a goods returning protocol when the client requires goods returning, a goods exchange protocol when the client requires goods exchange, and a dispute handling protocol when the goods received by the client is inconsistent with that of a client order.

Description

technical field [0001] The invention relates to the field of secure electronic payment, in particular to a four-party-based secure electronic payment method aiming at the SET protocol. Background technique [0002] E-commerce payment refers to the use of new payment means between consumers, merchants and financial institutions, including credit cards, debit cards, smart cards, etc., to be sent to banks through secure means to realize electronic payment, which is the core of realizing e-commerce. Secure Electronic Transaction Protocol SET (Secure Electronic Transaction) is an electronic payment model launched in June 1997 by Master Card and Visa in conjunction with Microsoft and other companies. Since SET provides mutual authentication between customers, merchants and banks, and adopts data encryption, digital signature and other technologies to ensure data authentication, confidentiality, integrity and non-repudiation, the protocol has been widely used. . The technical mea...

AI Technical Summary

Problems solved by technology

However, the research found that the protocol also has some shortcomings. For example, Shen Zhihao, Brilek S and others found that the efficiency of the protocol algorithm is low, and the parties to the transaction need to perform identity authentication repeatedly (Brlek S, Hamadou S, Mullis J.A flaw in the electronic commerce protocol SET[J] .Information Processing Letters,2006,97(3):104-108), (Shen Z H, Wang H.An improved SET protocol payment system[C] / / Proc.ofInternational Conf.on Computer and Communication Technologie in AgricultureEngineering.Chengdu, China, June 2010:400-403); Zhang Ruoyan found that the protocol is for western credit card payment, but most people in China use debit cards, so it cannot meet the needs of the domestic market well (Zhang Ruoyan. Mobile payment system based on SET protocol Research and implementation of [D]. Northwest University, 2008); Yan Tingting found that the agreement cannot guarantee the atomicity of goods that must be met in online payment (Yan Tingting. Research on the unified payment platform and its protocol based on fourth-party e-commerce [D]. South China University of Technology, 2012); Ren Lili and others ensured the atomicity principle of electronic transactions by adding a payment gateway as a trusted third party to supervise the data flow of all parties to the transaction, but there is no reasonable principle for dispute resolution ( Ren Lili, Wang Chengjun, Fang Yuankang.Application Research of SET Protocol in Online Payment[J].Computer Application and Software,2010,27(10):105-107)

Images