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Message processing method of payment platform, payment platform device and payment system

A platform device and message technology, applied in the transmission system, electrical components, user identity/authority verification, etc., can solve the problems of increased terminal cost, unfavorable placement of financial POS terminals, relatively high requirements for communication networks, etc., to achieve convenient access, The effect of promoting development and ensuring safety

Active Publication Date: 2010-04-07
CHINA TELECOM CORP LTD +1
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although financial POS payment guarantees security through hardware encryption, it also leads to an increase in terminal costs, and the requirements for communication networks in the payment process are relatively high, which is not conducive to large-scale deployment of financial POS terminals
[0003] In addition, the message protocol format supported by the existing fixed network payment is relatively simple, and the data interaction between the terminal and the financial system can only be realized through a message interaction mode

Method used

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  • Message processing method of payment platform, payment platform device and payment system
  • Message processing method of payment platform, payment platform device and payment system
  • Message processing method of payment platform, payment platform device and payment system

Examples

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Embodiment Construction

[0030] The present invention will be described more fully hereinafter with reference to the accompanying drawings, in which exemplary embodiments of the invention are illustrated. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but do not constitute an improper limitation of the present invention.

[0031] figure 1 is a schematic flow diagram of an embodiment of the method of the present invention.

[0032] like figure 1 As shown, the method includes:

[0033] S102. Convert the message from the terminal into a message based on the TCP / IP protocol. The message from the terminal may be a message in various protocol formats, for example, FSK protocol, PSK protocol, and so on.

[0034] S104, verifying the integrity of the data in the message based on the TCP / IP protocol and the legitimacy of the user identity;

[0035] Specifically, the integrity of the data in the message can be verified through the followin...

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PUM

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Abstract

The invention discloses a message processing method of a fixed network payment platform, a fixed network payment platform device and a payment system. The message processing method of the fixed network payment platform comprises the following steps: converting a message from a terminal into a TCP / IP protocol-based message; verifying the integrity of data in the TCP / IP protocol-based message and the legality of the identity of a user; and after passing the verification of the integrity of the data and the legality of the identity, forwarding the data in the TCP / IP protocol-based message to a processor corresponding to a service type. The message processing method of the fixed network payment platform, the fixed network payment platform device and the payment system provided by the invention verify the integrity of the data in the message from the terminal and the legality of the identity of the user through a fixed network payment platform between the terminal and a financial service system so as to ensure the security of trades while realizing an automatic payment function, and further promote the development of value added services.

Description

technical field [0001] The invention relates to the field of fixed network payment, and more specifically, to a method for processing messages on a fixed network payment platform, a fixed network payment platform device and a payment system. Background technique [0002] Existing electronic payment methods mainly include online payment, financial POS (Point of sales, point of sale) payment and the like. Among them, although online payment solves the quick problem well, the account information security of online payment users is threatened due to hackers lurking on the network and the proliferation of viruses. Once the account number and password are stolen or lost during the online process, even if the bank card is in hand, the deposit on the account may be debited at any time. Although financial POS payment uses hardware encryption to ensure security, it also leads to an increase in terminal costs, and the requirements for communication networks are relatively high during ...

Claims

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Application Information

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IPC IPC(8): H04L29/06H04L9/32
Inventor 沈毅纲陈阳宋革联洪一帆张云华陆冬娜尧飘海
Owner CHINA TELECOM CORP LTD
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