CN107491967A - A kind of method, apparatus of network payment input password - Google Patents
A kind of method, apparatus of network payment input password Download PDFInfo
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- CN107491967A CN107491967A CN201710782304.1A CN201710782304A CN107491967A CN 107491967 A CN107491967 A CN 107491967A CN 201710782304 A CN201710782304 A CN 201710782304A CN 107491967 A CN107491967 A CN 107491967A
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- 238000000034 method Methods 0.000 title claims abstract description 29
- 238000012546 transfer Methods 0.000 claims abstract description 25
- 238000012790 confirmation Methods 0.000 claims abstract description 8
- 238000012795 verification Methods 0.000 description 9
- 238000010586 diagram Methods 0.000 description 4
- 241000700605 Viruses Species 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 2
- 238000013461 design Methods 0.000 description 2
- ZXQYGBMAQZUVMI-GCMPRSNUSA-N gamma-cyhalothrin Chemical compound CC1(C)[C@@H](\C=C(/Cl)C(F)(F)F)[C@H]1C(=O)O[C@H](C#N)C1=CC=CC(OC=2C=CC=CC=2)=C1 ZXQYGBMAQZUVMI-GCMPRSNUSA-N 0.000 description 2
- 238000007711 solidification Methods 0.000 description 2
- 230000008023 solidification Effects 0.000 description 2
- 238000004891 communication Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 239000011159 matrix material Substances 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 229910052709 silver Inorganic materials 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
- 238000004088 simulation Methods 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- Computer Security & Cryptography (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of method, apparatus of network payment input password, including：When the network payment account receives the network payment request；The network payment account platform sends the Password Input to the smart machine of the binding and prompted；And the network payment Transaction Information is sent to the payment platform server of the binding；The smart machine of the binding clicks on the payment platform client of the binding, enters the payment page, receives the network payment Transaction Information, and ejects the Password Input page；The user checks the network payment Transaction Information by the smart machine of the binding；After confirmation, in the payment page of payment platform client described in the smart machine in the binding, the input password carries out the payment by the transfer of accounts；By this method in a payment platform, complete by all kinds of means, the network payment between Multi net voting payment system, user use it is more convenient, it is safer.
Description
Technical field
The present invention relates to the Password Input in network payment, more particularly to pass through payment platform described in the network of setting
Carry out the input of password described in network payment.
Background technology
Existing network is paid, and largely facilitates the daily life of people, its convenient, fast, safe and reliable spy
Property, received and used by the vast user.But also there are some and brush bank card and baffled quilt are stolen by network payment
Situation about withholing occurs.Especially fishing website, to the altitude simulation of official website, the user is caused to be difficult to distinguish truth from false.In order to
The password is prevented to be stolen, fund is by the baffled generation for transferring and stealing brush and prevents fishing website, it is proposed that following scheme.
The content of the invention
To solve problem of the prior art, the present invention provides payment platform described in a kind of network that can be trusted, by this
Payment platform described in website carries out the input of password described in network payment.When the network occurs in other websites or platform
Request is paid, the user does not input password described in other websites, but enters payment platform progress by connecting
The input of the password.
To achieve the above object, the invention provides a kind of method of network payment input password, it is characterised in that the party
The payment platform that method is applied to specify is traded the input of the password, including：
When network payment request receives the network payment request；
The network payment asks platform to send the Password Input prompting to the smart machine of the binding；And send institute
Network payment Transaction Information is stated to the payment platform server of the binding；
The smart machine of the binding clicks on the payment platform client of the binding, enters the payment page
Face, the network payment Transaction Information is received, and eject the Password Input page；
The user checks the network payment Transaction Information by the smart machine of the binding；After confirmation,
In the payment page of payment platform client described in the smart machine of the binding, described in the input password progress
Payment by the transfer of accounts；
The payment platform is received, verifies the password, and by rear, network payment request is verified；
Meanwhile the payment platform carries out the identification, checking to the beneficiary, beneficiary platform；
The network payment request platform is mutually authenticated by rear with the payment platform, and the payment platform is to the gathering
Side, beneficiary platform are verified；And carry out network branch according to the result, the network payment request, the payment platform
Pay, transfer operation, including：
The password is correct and after being verified, and carries out the payment by the transfer of accounts；
The code error or checking be not by terminating transaction.
Further, the account and the smart machine that the user binds described in the payment platform, also need institute
State the binding network payment request.
Further, the payment platform receive the smart machine client input of the binding, send it is described
Password.
Further, the smart machine, including：The intelligent movable equipment, the fixed smart machine.
Further, the network payment request carries out mutually described identification with the beneficiary, beneficiary platform, tested
Card.
Further, a kind of device of network payment input password, it is characterised in that including.
Further, payment account module, for when network payment request receives the network payment request.
Further, transaction prompt module, set for network payment request platform to the intelligence of the binding
Preparation goes out the Password Input prompting；And send the payment platform service of the network payment Transaction Information to the binding
Device.
Further, password page module, the smart machine for the binding click on the branch of the binding
Platform client is paid, the payment page is entered, receives the network payment Transaction Information, and eject the Password Input page
Face.
Further, Password Input module, the smart machine for the user by the binding, check described
Network payment Transaction Information；After confirmation, described in payment platform client described in the smart machine in the binding
Pay in the page, the input password carries out the payment by the transfer of accounts.
Further, the first authentication module, received for the payment platform, verify the password, by rear, to described
Network payment request is verified.
Further, the second authentication module, for simultaneously, the payment platform to enter to the beneficiary, beneficiary platform
The row identification, checking.
Further, payment module, it is mutually authenticated and passes through with the payment platform for network payment request platform
Afterwards, the payment platform is verified to the beneficiary, beneficiary platform；And please according to the result, the network payment
Ask, payment platform progress network payment, transfer operation, including.
Further, the first delivery operation module, progress described in transfer accounts branch correct and after being verified for the password
Pay.
Further, the second delivery operation module, for the code error or checking not by terminating transaction.
Further, account binding module, the account bound for the user described in the payment platform and institute
Smart machine is stated, also needs the binding network payment request.
Further, payment platform authentication module, the smart machine of the binding is received for the payment platform
Client input, the password sent.
Further, smart machine module, for the smart machine, including：The intelligent movable equipment, the fixation
Smart machine.
Further, payment platform checking submodule, ask to put down with the beneficiary, beneficiary for the network payment
Platform carries out the mutually identification, checking.
In embodiments of the present invention：By providing payment platform described in a kind of network that can be trusted, pass through the website institute
State the input that payment platform carries out password described in network payment.Please when the network payment occurs in other websites or platform
Ask, the user does not input password described in other websites, but described close into payment platform progress by connecting
The input of code.After it is correct that payment platform described in network, which verifies the password of user's input, paid described in network flat
Platform is asked to the network payment and the beneficiary, beneficiary platform carry out related checking, after checking, described in execution
Payment by the transfer of accounts.So, during network payment, the password carries out defeated the user in payment platform described in network
Enter, the leakage of the password will not be caused, be effectively prevented the attack and deception of fishing website.Particularly other are not being known
On the premise of web portal security performance, this method is applicable the most.Moreover, by this method in a payment platform, complete
By all kinds of means, the network payment between Multi net voting payment system, the user use it is more convenient, it is safer.
Technical scheme in order to illustrate the embodiments of the present invention more clearly, make required in being described below to embodiment
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for
For those of ordinary skill in the art, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings
Accompanying drawing.
Fig. 1 is the flow for the method that the embodiment of the present invention inputs password from a kind of network payment of network payment angle introduction
Figure.
Fig. 2 is that the embodiment of the present invention sets a kind of network payment of angle introduction to input the side of password before network payment
The flow chart of method.
Fig. 3 is the device that the embodiment of the present invention inputs password from a kind of network payment of network payment design factors introduction
Block diagram.
Fig. 4 is that the embodiment of the present invention sets a kind of network payment of angle introduction to input the dress of password before network payment
The block diagram put.
Embodiment
In order that those skilled in the art more fully understand the present invention program, below in conjunction with the embodiment of the present invention
Accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only
The embodiment of a part of the invention, rather than whole embodiments.Based on the embodiment in the present invention, ordinary skill people
The every other embodiment that member is obtained under the premise of creative work is not made, it should all belong to the model that the present invention protects
Enclose.
The embodiment of the present application provides a kind of method of network payment input password, and this method is applied to the branch specified
Pay the input that platform is traded the password.Fig. 1 is refer to, is the one kind of the embodiment of the present invention from network payment angle introduction
The flow chart of the method for network payment input password.
As shown in figure 1, this method includes：
S101 is when network payment request receives the network payment request；
The network payment asks the account for carrying out network payment, includes in the account described in bank card account and network
The account of payment platform.Payment request can be sent to described by the network payment request after the request paid the bill is received
The payment platform of binding.This function is oneself to determine to open by the user and the binding.And provide corresponding
Option is provided for selecting.The network payment request is proposed, can be payment platform described in other networks or the user,
It can also be the beneficiary in the payment platform.And platform and the use of had network payment trading function
Family.When network payment transaction is carried out in some platform, password is inputted described in the payment platform of the binding, by institute
The payment platform for stating binding is only verified with the beneficiary platform.After checking, ask to carry out by the network payment
Payment, the account being traded and the payment platform of the input password are separated, that is, in other networks
The network payment transaction that the payment platform occurs, can arrive and password is inputted described in the payment platform of the binding, verify
Pass through rear progress network payment transaction.
Mutual checking is carried out with payment platform described in other networks as the payment platform of the binding, by checking
And by rear, the network payment request is paid the bill.This can effectively prevent that some described payment platform safety measures are bad
Cause the transmission of the password leakage.The higher payment of security that all passwords are focused on to the binding is put down
Platform is inputted, and can effectively reduce the stolen risk of the password.The mode of the input password, except the numeral password
Outside, in addition to：Password, brush face are paid described in fingerprint.
Specifically, bank card account receives payment request, or, the account in the payment platform receives payment request.
Pay request can directly to be proposed to bank card account from the beneficiary, the user institute can also be passed through by the beneficiary
Account of the payment platform account into bank card or the payment platform is stated to initiate to pay request to bank card account platform.
When network payment request receives the payment request of bank, the Alipay of the binding will send information to
The Password Input page, inputs password described in Alipay, and bank validation is provided by Alipay platform, after checking,
The network payment is asked to bank transfer, payment.
Network payment described in S102 asks platform to send the Password Input prompting to the smart machine of the binding；
And the network payment Transaction Information is sent to the payment platform server of the binding；
After the network payment request receives payment request, corresponding prompting letter is sent to the smart machine of the binding
Breath.Also, the Transaction Information received is sent in the server of payment platform described in network.Treat intelligently to set described in the user
It is standby enter the payment page after, information is sent as the payment platform server and including described in the smart machine
Pay in the page.The user checks the Password Input prompting, and the Password Input page is entered directly into after confirmation or is beaten
The payment platform client is opened, pays the page described in automatic spring, Transaction Information and described is shown in the payment page
The Password Input page.
Specifically, the platform of bank card account will pay request and Transaction Information is sent to the server of the payment platform
In temporarily store, will send information to directly or by the payment platform server in the mobile phone or computer of the user.Carry
The awake user's checking Transaction Information, and paid.In the network payment process of exchange, it is necessary to by being tied up described in the user
Payment information is determined the fixed payment platform and the input of the password.
The smart machine bound described in S103 clicks on the payment platform client of the binding, enters described
The page is paid, receives the network payment Transaction Information, and eject the Password Input page；
After the prompt message for receiving the input password, the user logs in institute according to prompt message in the smart machine
State payment platform client.Client is opened, the payment page automatic spring shows Transaction Information and the Password Input
The page.Also include：If the network payment request can not receive the result of the payment platform, will be unable to carry out
Network payment is merchandised, and fund also will be unable to be swapped out.Client is from the payment platform server by the smart machine
It is middle to download, use, moreover, carrying out the input of the password by payment platform this described, it is also necessary to select setting and
The binding of corresponding account, equipment.
Specifically, the user clicks on the client of the payment platform by mobile phone, and into the payment page, institute
State payment platform server temporary Transaction Information is sent in the payment page of mobile phone, and eject the Password Input
The page, after the user determines Transaction Information, password is inputted described in the Password Input page.Also include：The network
Request platform is paid directly to will send information in the mobile phone of the user.
The network payment Transaction Information is checked in S104 families by the smart machine of the binding；After confirmation,
In the payment page of payment platform client described in the smart machine in the binding, the input password carries out institute
State payment by the transfer of accounts；
The network payment request platform sends transaction information to the payment platform specified, and the payment platform will be believed
Breath notice is sent in the smart machine of the binding.During this, the network payment request platform will can be believed
Breath be sent directly in the smart machine of the binding, can also be sent to simultaneously the binding the smart machine and
In the payment platform server.Transaction Information is shown in the smart machine, after the user checks and confirms,
Input pays the password and carries out payment by the transfer of accounts transaction described in network.The input page of Transaction Information and the password, Ke Yi
Shown in the same payment page.Can also be shown in two independent pages, by believing transaction
After the determination of breath, the Password Input page is entered.If password authentication failed in the payment platform, terminate and hand over
Easily, the network payment request will be unable to receive Transaction Information.
Specifically, after the user confirms to the payee in Transaction Information and the amount of money, in the mobile phone of the binding
Described in input password and carry out the payment by the transfer of accounts transaction.
Payment platform described in S105 is received, verifies the password, and by rear, network payment request is verified；
The payment platform receives the password and verifies, checks the password, and after correct, the payment platform is opened to described
The verification checking of network payment request, after checking checking.Verify verification to accounts information and it is symmetrical, asymmetric plus, solution
Close algorithmic formula is mutually authenticated.The content of checking is mainly Transaction Information, including：Dealing money, the beneficiary account, institute
State the information such as user name.This, which needs to establish between the payment platform and the beneficiary platform, mutual authentication mechanism.Such as
Unsymmetrical tridiagonal matrix algorithm, quantum is the same as a series of authentication mechanism such as AES.Also include：The payment platform simultaneously will be right
The result encryption of the password is sent to the network payment request and carries out associated decryption, and knows the result.
Specifically, after the payment platform is by the password authentification, network payment request is tested accordingly
Card, mainly check the title and the information carried out by symmetrical, rivest, shamir, adelman of network payment request checking,
Identification.
Simultaneously, the payment platform carries out the identification, checking to S106 to the beneficiary, beneficiary platform；
The payment platform is verified to the beneficiary and the beneficiary platform, verifies the beneficiary with the presence or absence of letter
With problem, or fraud risk be present.The network payment transaction for mainly seeing if it is regular to the beneficiary platform is flat
Platform.And by associated encryption agreement, it is encrypted, decrypts operation, the identification, checking, be effectively prevented fishing website pair
The harm of user's fund, account.
Specifically, the payment platform is verified accordingly to the beneficiary, beneficiary platform, in the verification process
By Encrypt and Decrypt algorithm and credit online query system, ensure that the beneficiary is the legal user, the beneficiary platform
It is the official website of regular transaction platform, it is therefore prevented that the harm of fishing website.
Network payment request platform is mutually authenticated by rear with the payment platform described in S107, and the payment platform is to institute
State beneficiary, beneficiary platform is verified；And carried out according to the result, the network payment request, the payment platform
Network payment, transfer operation, including：
Password described in S108 is correct and after being verified, and carries out the payment by the transfer of accounts；
Code error described in S109 or checking be not by terminating transaction.
The network payment request is mutually completed to verify, after being mutually authenticated, held by platform with the payment platform
The result and instruction that the row payment platform is sent.Include the payment platform in the result to set the intelligence
The result of the standby input password, also includes the payment platform and the beneficiary and the beneficiary platform is tested
Demonstrate,prove result.An encryption notice that instruction is the payment platform pays the bill with beneficiary described in purpose and correlation are transferred accounts, paid
Information.It is proved to be successful, carries out network payment, authentication failed, terminates network payment.
Specifically, after the payment platform verifies that password described in the user is correct, the payment platform is to the network
Request is paid to be mutually authenticated by rear.By the payment platform to after being verified of bank card platform, by Payment Amount, gathering
The network transaction informations such as people's account, the network platform are sent to the decryption for passing through bank card platform in bank card, perform associative operation,
Pass through checking.Bank card account platform carries out network payment to the beneficiary and transferred accounts, and the beneficiary can be another
Network payment is merchandised between the user or the payment platform in payment platform described in network.
In summary, when the bank card with network payment or account need to carry out network payment.The network payment
Platform where request can will send information in the payment platform account of the binding, it is necessary to which the account is in the payment
Password is inputted described in platform.Also, must also be the encrypted message ability quilt that the smart machine of the binding is sent
It is interpreted as correct information and effective information.Before this, it is also necessary to which the user checks and checked Transaction Information.The use
After checking is checked at family, the payment platform asks the network payment to have also needed between the beneficiary, beneficiary platform
The verification process of one Encrypt and Decrypt.The content of usual Encrypt and Decrypt is exactly the relevant information of network trading.It is described after checking
Network payment request goes to fund in the beneficiary account or in payment platform described in network.Meanwhile the payment platform
Also need to verify the beneficiary platform.What it is due to the network payment request binding is the fixed payment
Platform, this link can not be changed, and this guarantees link to be changed, and the linked payment platform is
The higher payment platform of security.Client in the payment platform has higher security, in the client
The input password is also safer.Also, with functions such as checking and killing Trojan, virus and credit online query.
Fig. 2 is refer to, is that the embodiment of the present invention sets a kind of network payment of angle introduction to input before network payment
The flow chart of the method for password.
As shown in Fig. 2 this method includes：
Before S201, account and the smart machine that the user binds described in the payment platform, described tie up also is needed
The fixed network payment request.
Before, account of the user in the payment platform carries out the binding with network payment request,
During the binding, the related binding also is carried out to the smart machine for network payment.As long as by this
The network payment is asked into during payment, it is necessary to password is inputted described in the payment platform of the binding, also, is
Enter the transmission and reception of information by the smart machine of the binding.
Specifically, the user binds account and phone number, mobile phone NFC module and silver described in the payment platform
Row account carries out the binding.In the password verification process, it is also necessary to verify mobile phone whether be the binding mobile phone, two
Person is proved to be successful simultaneously, could carry out network payment transaction.
Payment platform described in S202 receives the smart machine client input of the binding, the password sent.
Checking of the payment platform to the password, in addition to：Checking to the smart machine of the binding.
Exactly described password needs to input and send by the smart machine of the binding to the payment platform, and the password is
For the correct password.Only described encrypted message can not correctly pass through checking.
Specifically, the encrypted message for needing the mobile phone by the binding, computer to input and send just makes sense
For the normal Password Input.The payment platform can just carry out related verification, checking to password this described.And it can carry
The user is notified for the prompt message of correlation.The intelligent movable equipment is mobile phone, tablet personal computer, ultrabook and wearable set
It is standby；The desk-top fixed smart machine is desktop computer, notebook, all-in-one one kind product.
Smart machine described in S203, including：The intelligent movable equipment, the fixed smart machine.
The smart machine is divided into the intelligent movable equipment and the fixed smart machine, has network to lead to therebetween
Telecommunication function.Be divided into wireless open network, wired broadband network and WLAN, also, have corresponding screen display function and
Intelligent operating system.
Specifically, network payment communication is carried out by mobile communications network, broadband network or WLAN.
S204 also includes：The network payment request carries out mutually described identification with the beneficiary, beneficiary platform, tested
Card.
The network payment request needs to carry out corresponding checking to the beneficiary and the beneficiary platform, ensures
Credit problems of the beneficiary without correlation.Platform where the beneficiary is also a safer platform.It is corresponding
The beneficiary of the network payment request can be payment platform, account described in one or more different network.Institute
It is in the case of the Password Input is correct to state payment platform, and the beneficiary, beneficiary platform are verified, tested
During card, the encrypted message it is not related to, the beneficiary and the beneficiary platform can not obtain the institute of the user
State encrypted message.The payment platform carries out the AES and authentication of similar radio-frequency card checking with the beneficiary platform
Formula, the Encrypt and Decrypt for being traded information are examined, so as to also just serve the effect of secure payment.
Specifically, bank card account carries out online query to the credit of the beneficiary, and to where the beneficiary
Network payment transaction is veritified.Mainly verify whether the beneficiary platform is regular platform, if to put on record and
The payment platform normally operated.
In summary, the user needs to carry out tying up described in account and the smart machine in the payment platform
It is fixed.It is also desirable to the binding is carried out again in network payment request.The payment platform and the network payment
Ask in verification process, meanwhile, account and the smart machine are verified, the two could be carried out next by rear
The checking of step, after checking, network payment transaction could be carried out.The smart machine during this is divided into the mobile intelligence
Energy equipment and the fixed smart machine, the exchange for realizing the network payment Transaction Information by wired and wireless network pass
Pass.By the connection of solidification, make network payment transaction safer.Meanwhile the payment platform is being received to the beneficiary
And the beneficiary platform the result when, network payment request platform energy active to the beneficiary, beneficiary
Platform is verified accordingly, and the transfer operation for being paid or not paid accordingly according to the result.
Fig. 3 is refer to, is that the embodiment of the present invention inputs password from a kind of network payment of network payment design factors introduction
Device block diagram.
As shown in figure 3, the device includes：
Payment account module 301, for when network payment request receives the network payment request.
Transaction prompt module 302, sent for network payment request platform to the smart machine of the binding
The Password Input prompting；And the network payment Transaction Information is sent to the payment platform server of the binding.
Password page module 303, the smart machine for the binding click on the payment platform of the binding
Client, the payment page is entered, receive the network payment Transaction Information, and eject the Password Input page.
Password Input module 304, the smart machine for the user by the binding, checks the network branch
Pay Transaction Information；After confirmation, the payment page of payment platform client described in the smart machine in the binding
In face, the input password carries out the payment by the transfer of accounts.
First authentication module 305, received for the payment platform, verify the password, by rear, to the network branch
Request is paid to be verified.
Second authentication module 306, described in simultaneously, the payment platform is carried out to the beneficiary, beneficiary platform
Identification, checking.
Payment module 307, it is mutually authenticated for network payment request platform with the payment platform by rear, it is described
Payment platform is verified to the beneficiary, beneficiary platform；And ask according to the result, the network payment, be described
Payment platform carries out network payment, transfer operation, including.
First delivery operation module 308, it is correct and after being verified for the password, carry out the payment by the transfer of accounts.
Second delivery operation module 309, for the code error or checking not by terminating transaction.
In summary, when the bank card with network payment or account need to carry out network payment.The network payment
Platform where request can will send information in the payment platform account of the binding, it is necessary to which the account is in the payment
Password is inputted described in platform.Also, must also be the encrypted message ability quilt that the smart machine of the binding is sent
It is interpreted as correct information and effective information.Before this, it is also necessary to which the user checks and checked Transaction Information.The use
After checking is checked at family, the payment platform asks the network payment to have also needed between the beneficiary, beneficiary platform
The verification process of one Encrypt and Decrypt.The content of usual Encrypt and Decrypt is exactly the relevant information of network trading.It is described after checking
Network payment request goes to fund in the beneficiary account or in payment platform described in network.Meanwhile the payment platform
Also need to verify the beneficiary platform.What it is due to the network payment request binding is the fixed payment
Platform, this link can not be changed, and this guarantees link to be changed, and the linked payment platform is
The higher payment platform of security.Client in the payment platform has higher security, in the client
The input password is also safer.Also, with functions such as checking and killing Trojan, virus and credit online query.
Fig. 4 is refer to, is that the embodiment of the present invention sets a kind of network payment of angle introduction to input before network payment
The block diagram of the device of password.
As shown in figure 4, the device includes：
Binding module 401 described in account, the account bound for the user described in the payment platform and the intelligence
Equipment, also need the binding network payment request.
Payment platform authentication module 402, the smart machine client of the binding is received for the payment platform
Input, the password sent.
Smart machine module 403, for the smart machine, including：The intelligent movable equipment, the fixed intelligence are set
It is standby.
Payment platform verifies submodule 404, is carried out for network payment request with the beneficiary, beneficiary platform
The mutual identification, checking.
In summary, the user needs to carry out tying up described in account and the smart machine in the payment platform
It is fixed.It is also desirable to the binding is carried out again in network payment request.The payment platform and the network payment
Ask in verification process, meanwhile, account and the smart machine are verified, the two could be carried out next by rear
The checking of step, after checking, network payment transaction could be carried out.The smart machine during this is divided into the mobile intelligence
Energy equipment and the fixed smart machine, the exchange for realizing the network payment Transaction Information by wired and wireless network pass
Pass.By the connection of solidification, make network payment transaction safer.Meanwhile the payment platform is being received to the beneficiary
And the beneficiary platform the result when, network payment request platform energy active to the beneficiary, beneficiary
Platform is verified accordingly, and the transfer operation for being paid or not paid accordingly according to the result.
Claims (10)
- A kind of 1. method of network payment input password, it is characterised in that the payment platform that this method is applied to specify enters The input of the row transaction password, including：When the network payment account receives the network payment request；The network payment account platform sends the Password Input to the smart machine of the binding and prompted；And send institute Network payment Transaction Information is stated to the payment platform server of the binding；The smart machine of the binding clicks on the payment platform client of the binding, enters the payment page Face, the network payment Transaction Information is received, and eject the Password Input page；The user checks the network payment Transaction Information by the smart machine of the binding；After confirmation, In the payment page of payment platform client described in the smart machine of the binding, described in the input password progress Payment by the transfer of accounts；Received described in the payment platform, verify the password, by rear, the checking is carried out to the network payment account；Meanwhile the payment platform carries out the identification, checking to the beneficiary, beneficiary platform；The network payment account platform with the payment platform mutually it is described be verified after, the payment platform is to the receipts Money side, beneficiary platform carry out the checking；And according to the result, the network payment account, the payment platform Network payment, transfer operation are carried out, including：The password it is correct and it is described be verified after, carry out the payment by the transfer of accounts；The code error or the checking be not by terminating transaction.
- 2. according to the method for claim 1, it is characterised in that when the network payment account receives the network payment During request, before, including：The account and the smart machine that the user binds described in the payment platform, also need the binding network Payment account.
- 3. according to the method for claim 1, it is characterised in that received described in the payment platform, verify the password, wrapped Include：The payment platform receives the smart machine client input of the binding, the password sent.
- 4. according to the method for claim 1, it is characterised in that the smart machine of the binding clicks on the binding The payment platform client, including：The smart machine, including：The intelligent movable equipment, the fixed smart machine.
- 5. according to the method for claim 1, it is characterised in that received described in the payment platform, verify the password, led to Later, the checking is carried out to the network payment account, in addition to：The network payment account carries out the mutually identification, checking with the beneficiary, beneficiary platform.
- A kind of 6. device of network payment input password, it is characterised in that including：Payment account module, for when the network payment account receives the network payment request；Transaction prompt module, the password is sent to the smart machine of the binding for the network payment account platform Input prompting；And the network payment Transaction Information is sent to the payment platform server of the binding；Password page module, the smart machine for the binding click on the payment platform client of the binding, The payment page is entered, receives the network payment Transaction Information, and ejects the Password Input page；Password Input module, the smart machine for the user by the binding, check the network payment transaction Information；After confirmation, in the payment page of payment platform client described in the smart machine in the binding, institute State input password and carry out the payment by the transfer of accounts；First authentication module, for being received described in the payment platform, verifying the password, by rear, to the network payment Account carries out the checking；Second authentication module, for simultaneously, the payment platform to carry out the identification to the beneficiary, beneficiary platform, tested Card；Payment module, for the network payment account platform with the payment platform mutually it is described be verified after, the branch Pay platform and the checking is carried out to the beneficiary, beneficiary platform；And according to the result, the network payment account Family, the payment platform carry out network payment, transfer operation, including：First delivery operation module, for the password it is correct and it is described be verified after, carry out the payment by the transfer of accounts；Second delivery operation module, for the code error or the checking not by terminating transaction.
- 7. device according to claim 6, it is characterised in that when the network payment account receives the network payment During request, before, including：Account binding module, the account bound for the user described in the payment platform and the smart machine, also Need the binding network payment account.
- 8. device according to claim 6, it is characterised in that received described in the payment platform, verify the password, wrapped Include：Payment platform authentication module, smart machine client input, the hair of the binding are received for the payment platform The password sent.
- 9. device according to claim 6, it is characterised in that the smart machine of the binding clicks on the binding The payment platform client, including：Smart machine module, for the smart machine, including：The intelligent movable equipment, the fixed smart machine.
- 10. device according to claim 6, it is characterised in that received described in the payment platform, verify the password, By rear, the checking is carried out to the network payment account, in addition to：Payment platform verifies submodule, and mutual institute is carried out with the beneficiary, beneficiary platform for the network payment account State identification, checking.
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| CN201710782304.1A CN107491967B (en) | 2017-09-02 | 2017-09-02 | Method and system for inputting password through network payment |
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| CN107491967B CN107491967B (en) | 2020-11-10 |
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| CN107491967B (en) | 2020-11-10 |
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