CN1375960A - Internet Electronic Trading System - Google Patents
Internet Electronic Trading System Download PDFInfo
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- CN1375960A CN1375960A CN 01109185 CN01109185A CN1375960A CN 1375960 A CN1375960 A CN 1375960A CN 01109185 CN01109185 CN 01109185 CN 01109185 A CN01109185 A CN 01109185A CN 1375960 A CN1375960 A CN 1375960A
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- 238000012545 processing Methods 0.000 claims description 10
- 238000012795 verification Methods 0.000 claims 8
- 238000007689 inspection Methods 0.000 claims 4
- 238000000034 method Methods 0.000 abstract description 9
- 230000008569 process Effects 0.000 abstract description 7
- 230000005540 biological transmission Effects 0.000 abstract description 3
- 230000008676 import Effects 0.000 description 5
- 238000003556 assay Methods 0.000 description 4
- 238000004891 communication Methods 0.000 description 4
- 238000013475 authorization Methods 0.000 description 3
- 230000000694 effects Effects 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 238000013461 design Methods 0.000 description 1
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Abstract
The invention discloses an internet electronic transaction system, which comprises at least one user, at least one supplier website and a bank website. After the user sends out the trade request message to the provider web site, the provider web site connects the user to a payment authentication server, after the check of the payment authentication server is correct, the payment authentication server connects the payment channel of the bank network to make payment request and permission, then the payment authentication server connects the provider web site to inform the trade result and indicate the shipment, and finally the payment authentication server informs the user of the trade result. The invention can simplify the transaction process and the required time, and can reduce the data transmission times and the number of objects of the transaction party so as to improve the security of the transaction party.
Description
The invention relates to a kind of internal electronic trade system, particularly concern a kind of internal electronic trade system that can when world-wide web carries out ecommerce, guarantee fail safe.
Because the application of world-wide web is increasingly extensive, carries out electronic transaction on network, has become the general demand of most dealers.Yet because the requirement of fail safe, make that carrying out electronic transaction on world-wide web becomes the problem that worry is all felt by user and manufacturer.
Located by prior art a kind of very rigorous safety measure for solving the safety problem of carrying out electronic transaction on world-wide web, developing, and this system reaches by a public lock (public key) and a private lock (private key).Wherein, public lock is a kind of password that offers other people, and private lock then is the password of being preserved by the user.Under this secure communication modes, all Content of Communication all can utilize this public lock or should the individual lock, and with relevant password encryption, and at reciever utilization corresponding individual's lock or public lock, deciphered, be reduced into original Content of Communication.
In the process of above-mentioned encryption and decoding, the relevant quite complexity of handling.Fig. 3 represents that promptly a kind of being useful in commonly use the employed electronic transaction flow chart of ecommerce.As shown in Figure 3, when the user clicks a product in step 301 on supplier web site, when entering trade mode, promptly require the user to import its credit card or information such as ATM card card number and validity date in this product supply website of step 302, after this information of step 303 is through user's input, encrypt with its a private lock and a public lock by its PC, become an information that contains password, deliver to supplier's website in step 304.
At this moment, in step 305, supplier web site links specified credit card of this user or ATM card issuing bank.Website of bank requires to provide its password in step 306 to supplier web site, and the supplier password of supplier web site after step 307 provides an additional public lock and private lock passed to website of bank.Website of bank utilizes public lock to open this password shelves in step 308, confirm errorless after, reply this supplier web site in step 309, and please it import user's data into.The user's card number that to encrypt in step 310 supplier net, password etc. reach website of bank.After step 311 website of bank is again with the deciphering of public lock, confirms errorless after, permit this payment requirement, and notify supplier web site in step 312.Notify the user in step 313 supplier web site with the information of Transaction Success, enter following shipment step.Wherein, the information that information that bank's notice is checked and approved and supplier notify Transaction Success all may be information encrypted.Its load mode and deciphering mode are all as above-mentioned.
Aforesaid process of exchange is because of the information that relates between the three parts transmits, so produce waste greatly on time and processing cost.Because user's data is to be sent to supplier, in transport process, be exposed under supplier and the 3rd people contact simultaneously, often can not make the user feel at ease.Its result becomes the obstacle that a kind of electronic transaction is promoted.
For addressing the above problem, main purpose of the present invention is to provide a kind of internal electronic trade system, with simplification electronic transaction program, and reduces employed time of electronic transaction and cost.
Further aim of the present invention is to provide a kind of internal electronic trade system, makes it can improve secret effect in the electronic transaction.
For achieving the above object, technical scheme of the present invention is achieved in that
A kind of internal electronic trade system is applied to comprise in the Internet system of following configuration:
At least one world-wide web user end, this user's end is equipped with the computer that can surf the Net;
At least one supplier web site is in order to supply product, service, information in this world-wide web;
At least one website of bank is in order to the payment request of the network user of accepting to comprise this world-wide web user end; And
One payment authentication server in order to check transaction request and information, and produces assay;
Importantly, this internal electronic trade system comprises the following steps: the processing of a transaction request
When 1) this supplier web site is accepted this world-wide web user and held a transaction request, this user's end is linked to this payment authentication server;
2) this user of this payment authentication server request holds the necessary check information of input;
3) this payment authentication server is held previous listed information according to this user, checks this user to hold the information of input;
4) after this payment authentication server check meets, this payment authentication server is linked to this website of bank, enters step 5); If check does not meet, then be linked to this supplier web site, and assay is sent to this supplier web site and finishes operation;
5) after being linked to this website of bank, this payment authentication server holds the information of input to reach this website of bank this user, and asks this website of bank to permit payment to this supplier web site;
6) this website of bank information that will import and this user who stores in advance holds the information comparison, and produces a comparison result;
7) this website of bank is sent to this payment authentication server with this comparison result; And
8) this payment authentication server is linked to this supplier web site, and will represent the result of this comparison result to be sent to this supplier web site.
Wherein, this payment authentication server is sent to this result this user's end in addition after this result is sent to this supplier web site.
Another solution is:
A kind of internal electronic trade system is applied to comprise in the Internet system of following configuration:
At least one world-wide web user end, this user's end is equipped with the computer that can surf the Net;
At least one supplier web site is in order to supply product, service, information in this world-wide web; And
At least one website of bank is in order to the payment request of the network user of accepting to comprise this world-wide web user end;
Importantly, this internal electronic trade system comprises a payment authentication server, in order to check transaction request and information, and produces assay; One user's data bank is in order to store the login data of most user's ends; And a supplier data storehouse, in order to store the login data of most supplier web sites; And this payment authentication server comprises the following steps: the processing of a transaction request
A. import this world-wide web user into when holding a transaction request accepting this supplier web site, be linked to this user's end;
B. ask this user to hold the necessary check information of input;
C. hold the login information according to this user who is deposited in user's data bank, check this user to hold the information of input;
D. after check meets, be linked to this website of bank, enter step e; If check does not meet, then be linked to this supplier web site, and assay is sent to this supplier web site and finishes operation;
E. after being linked to this website of bank, hold the information of input to reach this website of bank this user, and ask this website of bank to permit payment to this supplier web site;
F. accept the comparison result that this website of bank information that will import and this user who stores in advance hold the information comparison to be produced; And
G. be linked to this supplier web site, and will represent the result of this comparison result to be sent to this supplier web site.
Wherein, this payment authentication server reaches this result user's end in addition after this result is sent to this supplier web site.
Internal electronic trade system of the present invention is to use comprising at least one user, the Internet system of an at least one supplier web site and a website of bank.Wherein, user's end is after sending the transaction request message to supplier web site, supplier web site is about to this user and is linked to a payment authentication server, after the check of payment authentication server is errorless, by the check out aisle of payment authentication server binding website of bank, carry out payment request and permission, link supplier web site by the payment authentication server again, notice transaction results, and indication shipment; Notify the user to hold transaction results by the payment authentication server more at last.Because the present invention utilizes the intermediary means of a payment authentication server as the logical biography behavior of All Activity, therefore not only can simplify transaction program and required time, and can reduce the number of times and the object number of transaction party data transmission, to improve its secrecy.
Above-mentioned and other objects and advantages of the present invention can be by following detailed description, and with reference to following accompanying drawing and clearer.
Fig. 1 is the system diagram of internal electronic trade system of the present invention.
Fig. 2 is the flow chart of internal electronic trade system of the present invention.
Fig. 3 is a kind of flow chart of the internal electronic trade system of commonly using.
Followingly according to Fig. 1 internal electronic trade system of the present invention is described, Fig. 1 is the system diagram of internal electronic trade system of the present invention.
As shown in Figure 1, the Internet system 100 that the present invention was suitable for comprises: at least one user holds 105, normally utilizes a computer equipment, is connected to the Internet system 100.Authentication center 102 is arranged in the Internet system 100, the user in the Internet system 100 is held 105, supplier web site 104, website of bank 101 (or mechanism of other users' trusts) etc. provide communication data authentication service.Relevant authentication procedure and function thereof in world-wide web has in located by prior art and discusses and deliver, and do not repeat them here.
In system of the present invention, one payment authentication server 103 is provided in addition, be to be independent of supplier web site 104, the user holds 105 and the outer electronic transaction program server of website of bank 101, in order to intermediary, control and carry out the relevant information examination of various electronic transactions and transmit.And aspect website of bank 101, be safing consideration, can use a check out aisle 106 to handle external world's (in system of the present invention, being mainly payment authentication server 103) usually and send behavior with the transaction and the data of interbank.For further improving fail safe, can set up fire compartment wall (not shown) in check out aisle 106 and 101 of bank networks.
Before carrying out any electronic transaction, the authentication at payment authentication server of the present invention 103 necessary access authentication centers 102.When carrying out this authentication, payment authentication server 103 is encrypted the ability that receives information to authentication center's 102 application authentications so that SSL to be provided.This moment, authentication center 102 promptly provided required authentication to payment authentication server 103.Can hold 105 or the like the payment authentication service is provided to supplier web site 104, user through the payment authentication server 103 after the authentication.Wherein, the authentication mode of payment authentication server 103, identical substantially with general user's authentication mode, so will not give unnecessary details.
Before internal electronic trade system of the present invention begins to carry out electronic transaction, supplier, users etc. all need to carry out pre-authentication at payment authentication server 103 earlier.If supplier web site 104 application authentications then can be applied for registration of its relevent information by supplier web site 104 to payment authentication server 103 in the starting stage, comprise that e-mail address, name, ID card No. etc. can be for the data of identification identity.After 103 examinations of payment authentication server, promptly in the memory of oneself, produce supplier's code name, and pass supplier web site 104 back, to conclude the business in view of the above.Other to the user hold 105 and the authentication procedure of bank 101 also roughly the same.
Following process of in internal electronic trade system of the present invention, concluding the business according to description of drawings.Fig. 2 promptly represents the flow chart that internal electronic trade system one of the present invention carries out electronic transaction.
As shown in the figure, when beginning to conclude the business, at first hold 105 to link supplier web site 104 step 201 user, and send its user's code name to supplier web site 104, request is done shopping.In this step, the practice person of being to use holds 105 to click shopping (proposing other transactions demands) on the webpage of supplier web site 104 usually.At this moment, the information that supplier web site 104 is received comprises user's user's code name, network address, name of product, quantity, dealing money and paying bank etc., but the secret information that does not comprise the user, for example account No., credit card number and password etc.In step 202, supplier web site 104 with the transaction request received together with supplier's code name of above-mentioned user's code name, network address, dealing money, paying bank and supplier web site 104 itself, network address etc., be sent to payment authentication server 103, the authentication of requesting for payment.Meanwhile, supplier web site 104 also holds 105 PC heavily to lead the user, is attached to payment authentication server 103.Then, in step 203, the data that 103 examinations of payment authentication server are received is errorless, be the trade information of holding 105 the third parties beyond bank is not wished in 103 inputs of payment authentication server to know in step 204 request user, for example account No., financial card number, credit number, associated cryptographic etc.In step 205, after payment authentication server 103 examination users hold 105 data of importing into correct, in step 206 to check out aisle 106 requests transaction mandates, to obtain such as the card number correctness, whether in credit line or remaining sum with inferior mandate information, and dealing money and other information importing into before this to be obtained.At this moment, after 106 examinations of step 207 check out aisle are errorless, promptly pass authorization code back to payment authentication server 103, and write down this transaction content in step 208.In step 209, payment authentication server 103 according to supplier web site 104 network address and the market code name 104 at step 202 gained, notifies supplier web site 104 Transaction Success the authorization code of gained.Simultaneously, also heavily lead binding, the website of supplier web site 104 is linked to the user holds 105 PC in step 210 payment authentication server 103.In step 211 supplier web site 104 according to authorization code in contained hidden message judge that the user holds whether success of 105 transaction, and pass the purchase transaction result back user and hold 105.So, promptly finish the primary electron trading activity.Thereafter supplier web site 104 can carry out shipment.
If supplier web site 104 will be inquired about electronic transaction record or request banker's payment; Then must file a request to payment authentication server 103.This moment, supplier web site 104 elder generations linked payment authentication server 103, input supplier's code name and network address, and other information.At this moment, after 104 examinations of payment authentication server are errorless, be about to the movable required information of trade management and pass to check out aisle 106, after obtaining relevant electronic transaction overhead by check out aisle 106, pass payment authentication server 103 back, by payment authentication server 103 with result notification supplier web site 104.
In above-mentioned process of exchange, all information transmit, and all can be the information of encrypting through with public lock and private lock.But in transport process, this essential information of maintaining secrecy does not all transmit to the transaction counterpart.In other words, no matter any between the two user, supplier, bank, the transmission of secret information all need not be arranged, reduce the chance of machine information exposure, also make significantly reducing of authentication information such as password simultaneously than reciprocity step.Therefore, internal electronic trade system of the present invention can improve the efficient of electronic transaction, and can reduce dealer's danger that the counterpart can not find out when information is concluded the business owing to have the design of payment server.
The above is preferred embodiment of the present invention only, is not to be used to limit protection scope of the present invention.
Claims (4)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01109185 CN1375960A (en) | 2001-03-19 | 2001-03-19 | Internet Electronic Trading System |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01109185 CN1375960A (en) | 2001-03-19 | 2001-03-19 | Internet Electronic Trading System |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1375960A true CN1375960A (en) | 2002-10-23 |
Family
ID=4657773
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 01109185 Pending CN1375960A (en) | 2001-03-19 | 2001-03-19 | Internet Electronic Trading System |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1375960A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100397812C (en) * | 2004-07-26 | 2008-06-25 | 中国工商银行股份有限公司 | Communication method and system basenon vertual link customer terminal and bank network |
| CN100448215C (en) * | 2004-06-30 | 2008-12-31 | 中国银行股份有限公司 | Processing system between enterprise and bank service abutting joint |
| WO2011016055A3 (en) * | 2009-08-03 | 2011-05-05 | Tata Consultancy Services Ltd. | System for promotional marketing |
-
2001
- 2001-03-19 CN CN 01109185 patent/CN1375960A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100448215C (en) * | 2004-06-30 | 2008-12-31 | 中国银行股份有限公司 | Processing system between enterprise and bank service abutting joint |
| CN100397812C (en) * | 2004-07-26 | 2008-06-25 | 中国工商银行股份有限公司 | Communication method and system basenon vertual link customer terminal and bank network |
| WO2011016055A3 (en) * | 2009-08-03 | 2011-05-05 | Tata Consultancy Services Ltd. | System for promotional marketing |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |