A kind of cross-border electric business remote safe payment methodTechnical field
The present invention relates to cross-border electric business secure payment technical field, specially a kind of cross-border electric business telesecurity payerMethod.
Background technology
" electric business " word is abbreviation of the insider to e-commerce.Conceptually, industry by electric business be divided into narrow sense withBroad sense, narrow sense electric business (E-Commerce) refer to realize the electronization of each stage trade activity during entire trade, and broad senseElectric business (E-Business) refers to the electronization using all commercial activity operation flows of real-time performance.The former is concentrated on based on mutualThe electronic transaction of networking emphasizes that using internet with external transaction and cooperation occur for enterprise；And the latter then expands covering scopeIt is very much, refer to enterprise and be engaged in commercial activity using various electronic tools.From narrow sense to broad sense, electric business be one continuous development it is generalIt reads, initial narrow sense electric business concept is to propose Electronic in 1996 by the pioneer IBM Corporation of e-commerceThe concept of Commerce (E-Commerce), by 1997, IBM Corporation proposed Electronic Business (E- againBusiness) the concept of this broad sense electric business.E-commerce has all been translated into when these concepts are introduced in China.For acrossElectric business payment in border unlike our common transaction are so simple, is needed from a national bank to another bank, in the marketAlso there are many means of payment, have plenty of mobile phone verification, have plenty of key pair verification etc., still, they are single testCard means, therefore, safety is not high enough, for this purpose, we invent a kind of cross-border electric business remote safe payment method.
Invention content
The purpose of the present invention is to provide a kind of cross-border electric business remote safe payment method, to solve in above-mentioned background technologyThe problem of proposition.
To achieve the above object, the present invention provides following technical solution：
A kind of cross-border electric business remote safe payment method, includes the following steps：
S1：Purchase：Mobile terminal carries out commodity purchasing by the application program being connected with transaction processor；
S2：Pair verification：By the mobile payment application program on the safe storage on the mobile terminal from the shiftingTransaction processor application program in dynamic terminal receives and transaction data, then determines transaction processor by mobile payment application programApplication program is reliable and provides encrypted evidence for payment, wherein trading processing corresponding to transaction processor application programThe encrypted evidence for payment of device application program initiates the payment transaction with transaction processor server computer, the transaction dataFurther comprise verifying that the transaction processor is the currently active by the mobile payment application program certificate of utility mechanism, Yi JiyouThe mobile payment application program confirms that the transaction processor certificate is reliable using certificate agency public keys；
S3：Payment affirmation：Mobile payment application program extraction transaction processor from transaction processor card is publicAltogether key, by mobile payment application program determine the payment being stored in safe storage associated with the transaction data withIt demonstrate,proves and the evidence for payment is encrypted using transaction processor public keys by the mobile payment application program, by makingDescribed in transaction processor private cipher key pair evidence for payment decrypt, the transaction processor application program using it is encrypted payment withCard initiates the payment transaction with remote server computer；
S4：The information of information system receives in row：Cross-border payment information after step S3 payment affirmations can be forwarded in rowInformation system, then go in information system cross-border payment information is sent to payment clearance system；
S5：Payment clearance system is cleared：Cross-border payment information is sent to clearance account by the payment clearance system in step S4Family manages system；
S6：Verification：Clearing account management system in step S5 can examine the remaining sum of remittance abroad account；
S7：It verifies again：After step S6 verifies that the remaining sum of remittance abroad account is errorless, it can be sent out by Mobility Center to Client handsetIdentifying code is sent, is verified again；
S8：It reaffirms：Mobile phone identifying code is inputted by mobile payment application program, is reaffirmed；
S9：It is verified：Clearing account management system is verified information to payment clearance system transmission；
S10：Payment is completed：Payment clearance system is verified information to overseas according to what clearing account management system was sentPayment system sends payment instruction, and then overseas payment system is converged to external account associated with the application program in step S1Money completes payment.
Preferably, the mobile terminal is mobile phone.
Preferably, the mobile terminal is PAD.
Preferably, the evidence for payment is stored in the safe storage of mobile terminal, and application program is from secure storageIt is obtained in device.
Preferably, the evidence for payment includes account and the term of validity.
Preferably, identifying code is forwarded by the Mobility Center by Mobile Server.
Compared with prior art, the beneficial effects of the invention are as follows：The invention carries out the first re-examination by key pair firstCard after completion, is then transferred to bank, carries out the remaining sum verification of the second weight, is carried out at the same time the mobile phone short message verification of third weight,Two can just send payment instruction by clearing management system later to payment system overseas simultaneously, and triple verifications ensure, more pacifyEntirely.
Description of the drawings
Fig. 1 is the flow chart of the present invention；
Fig. 2 is triple verification schematic diagrames of the present invention.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, completeSite preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based onEmbodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative workEmbodiment shall fall within the protection scope of the present invention.
- 2 are please referred to Fig.1, the present invention provides a kind of technical solution：A kind of cross-border electric business remote safe payment method, includingFollowing steps：
S1：Purchase：Mobile terminal carries out commodity purchasing by the application program being connected with transaction processor, and mobile terminal isMobile phone is PAD；
S2：Pair verification：By the mobile payment application program on the safe storage on the mobile terminal from the shiftingTransaction processor application program in dynamic terminal receives and transaction data, then determines transaction processor by mobile payment application programApplication program is reliable and provides encrypted evidence for payment, wherein trading processing corresponding to transaction processor application programThe encrypted evidence for payment of device application program initiates the payment transaction with transaction processor server computer, the transaction dataFurther comprise verifying that the transaction processor is the currently active by the mobile payment application program certificate of utility mechanism, Yi JiyouThe mobile payment application program confirms that the transaction processor certificate is reliable using certificate agency public keys；
S3：Payment affirmation：Mobile payment application program extraction transaction processor from transaction processor card is publicAltogether key, by mobile payment application program determine the payment being stored in safe storage associated with the transaction data withIt demonstrate,proves and the evidence for payment is encrypted using transaction processor public keys by the mobile payment application program, by makingDescribed in transaction processor private cipher key pair evidence for payment decrypt, the transaction processor application program using it is encrypted payment withCard initiates the payment transaction with remote server computer；
S4：The information of information system receives in row：Cross-border payment information after step S3 payment affirmations can be forwarded in rowInformation system, then go in information system cross-border payment information is sent to payment clearance system；
S5：Payment clearance system is cleared：Cross-border payment information is sent to clearance account by the payment clearance system in step S4Family manages system；
S6：Verification：Clearing account management system in step S5 can examine the remaining sum of remittance abroad account；
S7：It verifies again：After step S6 verifies that the remaining sum of remittance abroad account is errorless, it can be sent out by Mobility Center to Client handsetIdentifying code is sent, is verified again, identifying code is forwarded by Mobility Center by Mobile Server；
S8：It reaffirms：Mobile phone identifying code is inputted by mobile payment application program, is reaffirmed；
S9：It is verified：Clearing account management system is verified information to payment clearance system transmission；
S10：Payment is completed：Payment clearance system is verified information to overseas according to what clearing account management system was sentPayment system sends payment instruction, and then overseas payment system is converged to external account associated with the application program in step S1Money completes payment.
The invention carries out the first re-examination card by key pair first, after completion, is then transferred to bank, carries out theDouble remaining sum verification, is carried out at the same time the mobile phone short message verification of third weight, two simultaneously by clearing the just meeting of management system laterPayment instruction is sent to payment system overseas, triple verifications ensure, safer.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be withUnderstanding without departing from the principles and spirit of the present invention can carry out these embodiments a variety of variations, modification, replaceAnd modification, the scope of the present invention is defined by the appended.