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User identity real-name authentication method of an electronic payment system

A real-name authentication and electronic payment technology, which is applied in the field of network information security, can solve problems such as unreliability and unsafe real-name authentication, and achieve the effect of ensuring safe operation and fast real-name authentication procedures

Active Publication Date: 2019-05-31
XINGTANG TELECOMM TECH CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] In view of the above analysis, the embodiment of the present invention aims to provide a user identity real-name authentication method in an electronic payment system to solve the problem of unsafe and unreliable real-name authentication in the existing electronic payment system

Method used

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  • User identity real-name authentication method of an electronic payment system
  • User identity real-name authentication method of an electronic payment system
  • User identity real-name authentication method of an electronic payment system

Examples

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Embodiment 1

[0058] A specific embodiment of the present invention discloses a user identity real-name authentication method of an electronic payment system, such as figure 1 shown, including the following steps:

[0059] S1. The electronic payment system sends a real-name authentication request to the third-party supervision system;

[0060] S2. After accepting the real-name authentication request, the third-party monitoring system obtains the network operator information and network user name of the electronic payment system, collects the real-name identity information input by the user, and transmits it to the infrastructure platform;

[0061] S3. The infrastructure platform verifies the real-name identity information; if the verification result is true, encrypts and maps the network operator information, network user name and real-name identity information, generates a network identity certificate and transmits it to a third-party supervision system, And send the real-name authenticat...

Embodiment 2

[0066] Optimizing on the basis of Example 1, such as image 3 As shown, the user identity real-name authentication method of the electronic payment system also includes the following steps:

[0067] S4. After the third-party monitoring system accepts the network identity certificate, it establishes a database containing network user names, network operator information and corresponding network identity certificates;

[0068] S5. When the electronic payment system sends a real-name authentication request to the third-party supervision system again, the third-party supervision system will match the network user name and network operator information obtained by it with the network user name and network operator information in the above-mentioned database respectively, If the matching result is true, send a real-name authentication confirmation message to the electronic payment system; otherwise, terminate the real-name authentication.

[0069] Preferably, the user identity real-...

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Abstract

The invention relates to a user identity real-name authentication method of an electronic payment system, belongs to the technical field of network information security, and solves the problem that real-name authentication is unsafe and unreliable in the prior art. The method comprises the following steps that an electronic payment system sends a real-name authentication request to a third-party supervision system; After receiving the real-name authentication request, the third-party supervision system acquires network operator information and a network user name of the electronic payment system, acquires user real-name identity information and transmits the user real-name identity information to the infrastructure platform; The infrastructure platform verifies the real-name identity information; If the verification result is true, performing encryption mapping on the network operator information, the network user name and the real-name identity information, generating a network identity certificate, transmitting the network identity certificate to a third-party supervision system, and sending real-name authentication confirmation information to an electronic payment system; Otherwise, the real-name authentication is terminated. According to the method, a third-party supervision system is combined with a network identity certificate, so that the privacy of a user is protected,and the person and the certificate are the same.

Description

technical field [0001] The invention relates to the technical field of network information security, in particular to a user identity real-name authentication method of an electronic payment system. Background technique [0002] In recent years, Internet technology and communication technology have continuously made breakthroughs, the e-commerce environment has become more optimized, and the third-party payment industry has developed rapidly. In order to establish a sound and reliable payment environment and avoid online fraud, the third-party payment industry urgently needs to improve the customer identification mechanism to effectively verify the customer's identity during the existence of the business relationship with the customer. [0003] In order to meet the real-name system management requirements of electronic payment business, existing online payment providers mainly adopt the following two methods for real-name authentication management: [0004] 1) Only account ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38
Inventor 刘硕张萌蔡子凡刘瑞鹏贾东睿
Owner XINGTANG TELECOMM TECH CO LTD
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