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1. WO2014101078 - PAYMENT METHOD, PAYMENT GATEWAY AND PAYMENT CLIENT

Publication Number WO/2014/101078
Publication Date 03.07.2014
International Application No. PCT/CN2012/087775
International Filing Date 28.12.2012
IPC
H04L 12/14 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
12Data switching networks
02Details
14Charging arrangements
CPC
G06Q 20/027
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
027involving a payment switch or gateway
G06Q 20/325
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
325using wireless networks
G06Q 20/382
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
G06Q 20/425
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
425using two different networks, one for transaction and one for security confirmation
H04L 63/0428
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
63Network architectures or network communication protocols for network security
04for providing a confidential data exchange among entities communicating through data packet networks
0428wherein the data content is protected, e.g. by encrypting or encapsulating the payload
H04L 63/08
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
63Network architectures or network communication protocols for network security
08for supporting authentication of entities communicating through a packet data network
Applicants
  • 华为技术有限公司 HUAWEI TECHNOLOGIES CO., LTD. [CN]/[CN]
Inventors
  • 陈爱平 CHEN, Aiping
  • 张战兵 ZHANG, Zhanbing
Agents
  • 广州三环专利代理有限公司 GUANGZHOU SCIHEAD PATENT AGENT CO., LTD
Priority Data
Publication Language Chinese (zh)
Filing Language Chinese (ZH)
Designated States
Title
(EN) PAYMENT METHOD, PAYMENT GATEWAY AND PAYMENT CLIENT
(FR) PROCÉDÉ DE PAIEMENT, PASSERELLE DE PAIEMENT ET CLIENT DE PAIEMENT
(ZH) 一种支付方法、支付网关及支付客户端
Abstract
(EN) A payment method is provided by the embodiments of the present invention, comprising: a payment request containing user identity information and payment information is received by a payment gateway; the payment request is decrypted, and the user identity information and payment information are extracted; according to the user identity information, a payment tunnel corresponding to the user identity information is searched in a payment tunnel list; the payment request is sent to a payment client for authentification through the payment tunnel; the authenticated payment request sent by the payment client is received and transferred to a payment server; a payment result is obtained and returned to a initiator of the payment request. A payment gateway and a payment client are also provided by the embodiments of the present invention. The universality of security payment is enhanced by using the embodiments of the present invention. And security risks of payment information being intercepted, wiretapped and juggled are avoided.
(FR) Les modes de réalisation de la présente invention concernent un procédé de paiement comprenant : la réception, par une passerelle de paiement, d'une demande de paiement contenant des informations d'identité d'utilisateur et des informations de paiement ; le déchiffrement de la demande de paiement et l'extraction des informations d'identité d'utilisateur et des informations de paiement ; sur la base des informations d'identité d'utilisateur, la recherche d'un tunnel de paiement correspondant aux informations d'identité d'utilisateur, dans une liste de tunnels de paiement ; la transmission de la demande de paiement à un client de paiement pour authentification via le tunnel de paiement ; la réception de la demande de paiement authentifiée, transmise par le client de paiement, et son transfert à un serveur de paiement ; enfin, l'obtention d'un résultat de paiement et son retour à un initiateur de la demande de paiement. Les modes de réalisation de la présente invention concernent également une passerelle de paiement et un client de paiement. Les modes de réalisation de la présente invention améliorent l'universalité de paiements sécurisés, et évitent que des informations de paiement soient interceptées, écoutées et piratées.
(ZH) 本发明实施例提供了一种支付方法,包括:支付网关接收包含用户身份信息和支付信息的付款请求;解密所述付款请求,提取所述用户身份信息和支付信息;根据所述用户身份信息,在支付通道列表中查找到与所述用户身份信息对应的支付通道;通过所述支付通道将所述付款请求发送给支付客户端进行认证;接收所述支付客户端发送的认证通过的付款请求,并将所述通过认证的付款请求转发给支付服务器;获得支付结果,并将所述支付结果返回给付款请求发起方。本发明实施例还提供了一种支付网关及支付客户端,采用本发明实施例,可提高安全支付的通用性;避免支付信息被截获、窃听和篡改的安全风险。
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