CN101488249A - Method and apparatus for verifying customer transaction - Google Patents
Method and apparatus for verifying customer transaction Download PDFInfo
- Publication number
- CN101488249A CN101488249A CNA200810056222XA CN200810056222A CN101488249A CN 101488249 A CN101488249 A CN 101488249A CN A200810056222X A CNA200810056222X A CN A200810056222XA CN 200810056222 A CN200810056222 A CN 200810056222A CN 101488249 A CN101488249 A CN 101488249A
- Authority
- CN
- China
- Prior art keywords
- user
- customer transaction
- relevant information
- flow process
- terminal
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method for verifying user trade which comprises the following steps: a user terminal obtains the relevant information of the user trade which at least comprises the total cost needed to be paid for finishing the user trade. The user terminal judges whether to carry out verification on the user trade or not according to preset conditions and the relevant information of the user trade, and triggers a verifying flow locally upon confirming to carry out verification on the user trade, thus realizing to carry out verification on the user trade at the side of the user terminal so as to effectively prevent user passwords from leaking, thereby improving the safety of the user trade to a certain extent and upgrading the user experiences. The invention simultaneously discloses a device to carry out verification on the user trade as well.
Description
Technical field
The present invention relates to the communications field and computer realm, particularly a kind of method and device that customer transaction is verified.
Background technology
Along with the development of technology, stored value card is accepted by people gradually as a kind of new consumption pattern.So-called stored value card promptly is to carry out small amount consumption for the convenience of the user and the Payment Methods of design, and its functional module is embedded in the various user terminals of user's use, for example, and mobile phone, PDA, notebook computer, e-commerce etc.Consult operations such as shown in Figure 1, the user can use the user terminal with electronic purse function to enclose on consumption terminal (POS terminal) and deposit, consumption, for example, the user uses stored value card to carry out the fund payment on the POS in market terminal.
At present, when the user uses stored value card to consume, just can finish customer transaction, like this, just strengthen the risk of customer transaction without any need for proof procedure.
For addressing the above problem, in the prior art, finish checking by the POS terminal usually to customer transaction, for example, require the user on the POS terminal, import the payment password of presetting.But, to input in the process of payment password the user, the payment password is very easily revealed, and for example, uses camera that the payment password of user's input is spied upon.Therefore, still there is certain risk in the checking of carrying out customer transaction on the POS terminal.
Summary of the invention
The embodiment of the invention provides a kind of method and device that customer transaction is verified, when using stored value card to consume the user, improves the security of transaction.
The concrete technical scheme that the embodiment of the invention provides is as follows:
A kind of method that customer transaction is verified comprises:
User terminal obtains the relevant information of customer transaction, and the relevant information of described customer transaction comprises at least finishes the total cost that described customer transaction need be paid;
Described user terminal judges whether that according to pre-conditioned and relevant information customer transaction needs verify described customer transaction, and when determining to verify this customer transaction, triggers the checking flow process in this locality.
A kind of device that customer transaction is verified of being used for comprises:
Communication unit is used to obtain the relevant information of customer transaction, and the relevant information of described customer transaction comprises at least finishes the total cost that described customer transaction need be paid;
Storage unit is used to preserve pre-conditioned and relevant information customer transaction;
Judging unit is used for judging whether that according to described pre-conditioned and relevant information customer transaction needs verify described customer transaction;
Processing unit is used for when determining to verify described customer transaction, triggers the checking flow process in this locality;
User interface section is used in the checking flow process user being presented at various promptings interface.
In the embodiment of the invention, when the user uses stored value card to consume, user terminal obtains the relevant information of customer transaction, and judge whether that according to pre-conditioned and relevant information customer transaction needs verify this customer transaction, and when determining to verify this customer transaction, trigger corresponding checking flow process in this locality.Like this, the proof procedure of customer transaction just is able to finish in subscriber terminal side, thereby has prevented the leakage of user cipher effectively, and then the security that has improved customer transaction to a certain extent, has promoted user experience.
Description of drawings
Fig. 1 is communication system architecture figure in the prior art of the present invention;
Fig. 2 is a user terminal functional structure chart in the embodiment of the invention;
The first method process flow diagram that Fig. 3 verifies customer transaction for user terminal in the embodiment of the invention;
The second method process flow diagram that Fig. 4 verifies customer transaction for user terminal in the embodiment of the invention.
Embodiment
When using stored value card to consume, improve the security of customer transaction the user.In the embodiment of the invention, user terminal obtains the relevant information of customer transaction, and the relevant information of described customer transaction comprises at least finishes the total cost that described customer transaction need be paid; Then, described user terminal judges whether that according to pre-conditioned and relevant information customer transaction needs verify described customer transaction, and when determining to verify this customer transaction, triggers corresponding checking flow process in this locality.
In the present embodiment, when user terminal is carried out the checking flow process, need to obtain the default user ID of user's input, this user ID can be multiple, for example: payment password, user fingerprints or user speech instruction certainly, also can be the combination in any of these three kinds of signs.
Only serve as that the payment password is example and is elaborated in conjunction with the accompanying drawings with user ID below.
Consult shown in Figure 2ly, in the present embodiment, user terminal 10 comprises communication unit 100, storage unit 101, judging unit 102, processing unit 103 and user interface section 104.
In the present embodiment, user terminal 10 uses the stored value card business to carry out customer transaction, and user terminal 10 can be multiple functional entity, for example, and mobile phone, PDA, notebook computer, e-commerce etc.
Based on above-mentioned user terminal 10, to consult shown in Figure 3ly, in the present embodiment, the detailed process of the first method that 10 pairs of customer transactions of user terminal are verified is as follows:
Step 300: at all commodity that POS terminal 11 input users select, POS terminal 11 is sent to user terminal 10 with the relevant information of customer transaction.
In actual applications, the relevant information of customer transaction can comprise total cost, the type of each commodity and time of purchase commodity that the user need pay or the like.If the relevant information of customer transaction only comprises the total cost that the user need pay, so, the user also can initiatively be input to this total cost in the user terminal 10 after learning this total cost, and the checking flow process with triggering following does not repeat them here.
Step 310: user terminal 10 is verified customer transaction according to the pre-conditioned needs that judge whether, if then carry out step 320; Otherwise, carry out step 370.
In actual applications, the user can be provided with above-mentioned pre-conditioned according to the demand of self.
For example, pre-conditionedly be:, require the default payment password of input when the total cost of needs payment during greater than 500 yuan.
Again for example, pre-conditionedly be: when the commodity of buying as the user are digital product, require the default payment password of input.
Again for example, pre-conditionedly be: when the time that the user buys commodity surpasses 23:00, require the default payment password of input.
Certainly, the user also can carry out combination in any with above-mentioned multiple factor and is provided with pre-conditioned accordingly.
For example, pre-conditionedly be: when the total cost of needs payment greater than 500 yuan, and the user requires the default payment password of input when time of buying commodity surpassing 23:00.
On the other hand, in order further to improve security, the user can also be provided with a plurality of payment passwords.
For example, pre-conditionedly be: when the total cost of needs payment during, require the default payment password A of input,, require the default payment password B of input when the total cost of needs payment during greater than 1000 yuan greater than 500 yuan.By that analogy.
Step 320: user terminal 10 presents the interface that is used to point out input payment password to the user, is called interface 1.
Step 330: the user imports default payment password in interface 1.
Step 340: user terminal 10 judges whether the payment password of user's input is correct, if then carry out step 370; Otherwise, carry out step 350.
Step 350: user terminal 10 judges that further whether the user inputs the number of times of payment password by mistake above setting threshold, if then carry out step 360; Otherwise, return step 320.
Step 360: user terminal 10 is with the professional locking of the stored value card of this locality.
After the stored value card business was locked, the user just can not re-use user terminal 10 and carry out stored value card consumption, like this, has just guaranteed the security of customer transaction to a certain extent, makes the user avoid financial losses.
Step 370: user terminal 10 presents interface 2 to the user, and the prompting user can use stored value card to consume.
Be different from the foregoing description, in another embodiment, the user also can be before carrying out payment process, initiatively on user terminal 10, import default user ID, thereby trigger user terminal 10 and initiate payment process to POS terminal 11, if the user forgets the input user ID, perhaps Shu Ru user ID is wrong, and then user terminal 10 can carry out subsequent treatment again behind the response message that receives POS terminal 11.
Still be that the payment password is that example is introduced below with the user ID.Consult shown in Figure 4ly, in the present embodiment, the detailed process of the second method that customer transaction is verified is as follows:
Step 400: the user is the default payment password of input in the respective interface that user terminal 10 provides initiatively, and user terminal 10 sends the request message that is used to start payment process to POS terminal 11.
Step 410:POS terminal 11 is returned corresponding response message to user terminal 10, carries the relevant information of customer transaction in this response message.
Step 420: user terminal 10 according to the condition judgment of user preset this time customer transaction whether needs are verified, if, then carry out step 430, otherwise, carry out step 440.
Step 430: user terminal 10 judges further whether the payment password that the user inputed is correct, if then carry out step 440; Otherwise, carry out step 450.
Step 440: the notification message that user terminal 10 will be used for the present the bill for payment success is sent to the POS terminal, and presents the interface that is used to point out Transaction Success to the user, is called interface 3.
Step 450: user terminal 10 presents interface 1 to the user, and the prompting user inputs default payment password.
Certainly, after the execution in step 450, user terminal 10 also can carry out verification to the payment password of its input according to the operation of step 340-step 370, and when the number of times that the user inputs password by mistake surpasses setting threshold, locking stored value card business does not repeat them here on user terminal 10.
In sum, in the embodiment of the invention, when the user uses stored value card to consume, user terminal 10 judges whether that according to pre-conditioned and relevant information customer transaction needs verify this customer transaction, and when determining to verify this customer transaction, trigger corresponding checking flow process in this locality.Like this, just realized customer transaction being verified, thereby prevented the leakage of user cipher effectively in subscriber terminal side, and then the security that has improved customer transaction to a certain extent, user experience promoted.
Obviously, those skilled in the art can carry out various changes and modification to the embodiment among the present invention and not break away from the spirit and scope of the present invention.Like this, if these in the embodiment of the invention are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the embodiment among the present invention also is intended to comprise these changes and modification interior.
Claims (11)
1, a kind of method that customer transaction is verified is characterized in that, comprising:
User terminal obtains the relevant information of customer transaction, and the relevant information of described customer transaction comprises at least finishes the total cost that described customer transaction need be paid;
Described user terminal judges whether that according to pre-conditioned and relevant information customer transaction needs verify described customer transaction, and when determining to verify this customer transaction, triggers the checking flow process in this locality.
As claim 1 a described method, it is characterized in that 2, the checking flow process of triggering comprises:
The checking user imports default user ID;
When determining that described user ID is correct, return the notification message that is used for the present the bill for payment success to consumption terminal.
3, method as claimed in claim 2 is characterized in that, triggers after the checking flow process, imports default user ID by described user terminal prompting user; Perhaps, trigger before the checking flow process, initiatively import default user ID by the user.
4, method as claimed in claim 3 is characterized in that, if described user terminal determines that the user ID that the user imported is incorrect, then points out this user to import default user ID once more.
5, as each described method of claim 1-4, it is characterized in that, describedly pre-conditionedly be:, then require the user to import default user ID if described total cost surpasses setting threshold.
As each described method of claim 1-4, it is characterized in that 6, described user sets in advance one or at least two user ID.
7, method as claimed in claim 6 is characterized in that, described user ID comprises or combination in any in payment password, user fingerprints and the user speech instruction.
8, a kind of device that customer transaction is verified of being used for is characterized in that, comprising:
Communication unit is used to obtain the relevant information of customer transaction, and the relevant information of described customer transaction comprises at least finishes the total cost that described customer transaction need be paid;
Storage unit is used to preserve pre-conditioned and relevant information customer transaction;
Judging unit is used for judging whether that according to described pre-conditioned and relevant information customer transaction needs verify described customer transaction;
Processing unit is used for when determining to verify described customer transaction, triggers the checking flow process in this locality;
User interface section is used in the checking flow process user being presented at various promptings interface.
9, device as claimed in claim 8, it is characterized in that, when described processing unit is carried out the checking flow process, if do not obtain the user ID of user's input, then import default user ID by described user interface section prompting user, and, will be sent to consumption terminal in order to the notification message of present the bill for payment success by described communication unit in the user ID that obtains user's input and after determining that this user ID is correct.
10, device as claimed in claim 8, it is characterized in that, when described processing unit is carried out the checking flow process, if obtained the user ID of user's input, then described processing unit will be sent to consumption terminal in order to the notification message of present the bill for payment success by described communication unit after determining that this user ID is correct.
11, as claim 9 or 10 described devices, it is characterized in that when described processing unit determined that the user ID that obtains is incorrect, the prompting user imported default user ID once more, and when determining that number of times that the user inputs user ID by mistake surpasses setting threshold, in local lock-related business.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200810056222XA CN101488249A (en) | 2008-01-15 | 2008-01-15 | Method and apparatus for verifying customer transaction |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200810056222XA CN101488249A (en) | 2008-01-15 | 2008-01-15 | Method and apparatus for verifying customer transaction |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101488249A true CN101488249A (en) | 2009-07-22 |
Family
ID=40891128
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA200810056222XA Pending CN101488249A (en) | 2008-01-15 | 2008-01-15 | Method and apparatus for verifying customer transaction |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101488249A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102034183A (en) * | 2010-11-29 | 2011-04-27 | 深圳市爱贝信息技术有限公司 | Transaction security control method, device and system based on graphics certificate |
| CN103824221A (en) * | 2014-03-26 | 2014-05-28 | 项敏 | Safety guarantee method based on cloud service for network bank transfer |
| CN104463582A (en) * | 2014-11-25 | 2015-03-25 | 重庆天元仙宝科技发展有限公司 | Payment method for electronic currency |
| CN104574086A (en) * | 2014-12-29 | 2015-04-29 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, device and terminal |
| CN104599122A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Quick payment method, related equipment and related system |
| WO2015101166A1 (en) * | 2013-12-30 | 2015-07-09 | 中国银联股份有限公司 | Method for detecting false card risk and transaction processing system for implementing same |
| CN106127481A (en) * | 2016-06-17 | 2016-11-16 | 广东欧珀移动通信有限公司 | A kind of fingerprint method of payment and terminal |
| WO2018121555A1 (en) * | 2016-12-28 | 2018-07-05 | 飞天诚信科技股份有限公司 | Hardware wallet and hardware wallet holder identity verification method |
| CN109784925A (en) * | 2019-01-15 | 2019-05-21 | 重庆工程职业技术学院 | Mobile Internet intelligence payment system and method based on financial security certification |
| CN109889673A (en) * | 2019-04-04 | 2019-06-14 | 宁波团团工业设计有限公司 | A kind of encryption method in limited time for mobile-phone payment |
-
2008
- 2008-01-15 CN CNA200810056222XA patent/CN101488249A/en active Pending
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102034183A (en) * | 2010-11-29 | 2011-04-27 | 深圳市爱贝信息技术有限公司 | Transaction security control method, device and system based on graphics certificate |
| CN104599122A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Quick payment method, related equipment and related system |
| WO2015062290A1 (en) * | 2013-10-31 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Methods and systems for authentications and online transactions |
| WO2015101166A1 (en) * | 2013-12-30 | 2015-07-09 | 中国银联股份有限公司 | Method for detecting false card risk and transaction processing system for implementing same |
| CN103824221A (en) * | 2014-03-26 | 2014-05-28 | 项敏 | Safety guarantee method based on cloud service for network bank transfer |
| CN104463582A (en) * | 2014-11-25 | 2015-03-25 | 重庆天元仙宝科技发展有限公司 | Payment method for electronic currency |
| CN104574086A (en) * | 2014-12-29 | 2015-04-29 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, device and terminal |
| CN106127481A (en) * | 2016-06-17 | 2016-11-16 | 广东欧珀移动通信有限公司 | A kind of fingerprint method of payment and terminal |
| WO2018121555A1 (en) * | 2016-12-28 | 2018-07-05 | 飞天诚信科技股份有限公司 | Hardware wallet and hardware wallet holder identity verification method |
| CN109784925A (en) * | 2019-01-15 | 2019-05-21 | 重庆工程职业技术学院 | Mobile Internet intelligence payment system and method based on financial security certification |
| CN109889673A (en) * | 2019-04-04 | 2019-06-14 | 宁波团团工业设计有限公司 | A kind of encryption method in limited time for mobile-phone payment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101488249A (en) | Method and apparatus for verifying customer transaction | |
| US10474806B2 (en) | Applications login using a mechanism relating sub-tokens to the quality of a master token | |
| US20170316401A1 (en) | System and method for using an account sequence identifier | |
| US11004083B2 (en) | System and method for authorizing direct debit transactions | |
| CA2936810C (en) | Device, system and method of mobile identity verification | |
| CN101496344B (en) | Method and system having self-setting authentication formula for webs bank payment and identification confirmation | |
| US20150324799A1 (en) | Systems and methods for randomized mobile payment | |
| CN102542453B (en) | Mobile payment identity verification method | |
| US20070203850A1 (en) | Multifactor authentication system | |
| US20100332391A1 (en) | Secure authentication between multiple parties | |
| CN105320864A (en) | Method and apparatus for processing event operation | |
| US20140129445A1 (en) | Method for Processing a Payment, and System and Electronic Device for Implementing the Same | |
| CN103577978A (en) | Method for providing electronic transactions through two-dimensional codes | |
| CN105574723A (en) | Information security processing method and security processing apparatus | |
| US20210201294A1 (en) | Bank card privacy information hiding method, bank card and computer readable storage medium | |
| KR101804182B1 (en) | Online financial transactions, identity authentication system and method using real cards | |
| CN101872513A (en) | Data processing method, device and system based on POS (Point-Of-Sale) machine | |
| CN102521631A (en) | Intelligent financial IC card reading and writing method based on electronic identity card system | |
| TWI395449B (en) | Electronic wallet verification system and its method | |
| CN105916135A (en) | Method for carrying out NFC payment in virtual card terminal and virtual card terminal | |
| WO2018098699A1 (en) | Transaction processing method and device | |
| CN104574691B (en) | A kind of method for processing business and system based on automatic teller machine | |
| CN106355406A (en) | Combined fingerprint authentication payment method | |
| KR101103634B1 (en) | Method for attestating credit card company server and that server | |
| CN117795505A (en) | System and method for contactless card communication and multiple device key pair encryption authentication |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20090722 |
|
| RJ01 | Rejection of invention patent application after publication |