Analysis And Design Of A Secure Online Payment And Authentication Mode

In recent years, E-business gradually becomes a main trend of Internet-Economic development, and also business and payment on internet becomes a convenient living way gradually.One of the key points of E-business is the system of payment and settlement, in which payment on Internet that is the most ideal project becomes into play more and more important function.First, this article introduces most modem systems of online payment and security authentication. Aiming at resolving the core problem of online payment——security authentication, it analyzes their merit and shortcoming, and puts forward a new system for payment on Internet with a more safe method of security authentication according to the development trend of E-business and the current environment of online payment.The whole system includes customers, sellers and Payment Platform, which are connected by Internet. Payment Platform is responsible for processing information from Internet, authenticating customers' and sellers' identities, and confirming the validity of trades. Then, Payment platform sends requests for payment and after completing the payment, it immediately informs both customers and sellers with the whole information about the payment.Its characteristic lies in: There is an Assistant System of Customer Identity Authentication established between customers and Payment Platform by non-internet, through which dynamic authorization codes created by Payment Plantform can be delivered to customers Customers input dynamic authorization codes in the secure login area of the payment platform to pass an identity verification.Through Internet and Non-internet, this convenient kind of authentication method and payment system enormously reduces the possibility of information stealing and raises the security of Online Payment。...