CN105590209A - Electronic transaction monitoring method and system - Google Patents
Electronic transaction monitoring method and system Download PDFInfo
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- CN105590209A CN105590209A CN201510227631.1A CN201510227631A CN105590209A CN 105590209 A CN105590209 A CN 105590209A CN 201510227631 A CN201510227631 A CN 201510227631A CN 105590209 A CN105590209 A CN 105590209A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- Computer Security & Cryptography (AREA)
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Abstract
The invention provides an electronic transaction monitoring method, which comprises the steps that: a monitoring module and a trusted root provided by a third-party server are set in a user terminal, and the user terminal is further provided with an electronic cash service application module; the monitoring module acquires transaction data used for monitoring when the user terminal conducts electronic transaction by means relevant electronic equipment of a merchant; the monitoring module calls the trusted root, and encrypts the transaction data used for monitoring; and the monitoring module monitors variation of data corresponding to the transaction data used for monitoring in the electronic cash service application module based on the transaction data used for monitoring, and reminds a user of transaction abnormity if the variation of the data corresponding to the transaction data used for monitoring in the electronic cash service application module is different from that of the transaction data used for monitoring. The invention further provides an electronic transaction monitoring system. By adopting the electronic transaction monitoring method and the electronic transaction monitoring system, security of electronic transaction can be improved.
Description
Technical field
The present invention relates to mobile payment technology, more specifically, relate to the electronic transaction monitoring technique that makes mobile payment safer.
Background technology
In the application of existing electronic cash there is " flash " and the malice terminal phenomenon of withholing in off-line consumption occasional. " flash " refers in consumer sale process, bank's card Transaction Success and POS terminal is not anchored to money, and this phenomenon causes due to the last physical channel loading error occurring of transaction often, is upgraded and cannot be solved this difficult problem by software application.
Because of in electronic cash application offline transaction, card does not authenticate terminal again, may occur that dummy terminal malice withholds. But dummy terminal does not participate in backstage clearance, cause holder's the interior electronic cash account of card not mate with electronic cash account in bank server, cause puzzlement to holder and bank.
Flash phenomenon and malice terminal are withholdd all can cause holder's consumption puzzlement. First, holder cannot confirm whether the card of oneself is consumed successfully intuitively on equipment of itself, can only be by the POS machine prompting of businessman. Secondly, after generation Transaction Disputes, fast and effeciently reconciliation is given for change.
Summary of the invention
In view of this, the invention provides a kind of electronic transaction method for supervising, the method comprises: the trusted root that monitoring module is set in user terminal and is provided by third-party server, is also provided with electronic cash service application module in described user terminal; Monitoring module is undertaken, in the process of electronic transaction, obtaining monitoring transaction data by the associated electronic device of trade company at described user terminal; Monitoring module calls described trusted root, encrypts described monitoring transaction data; Monitoring module is based on described monitoring transaction data, monitor the variation of data corresponding with monitoring transaction data in described electronic cash service application module, if different with described monitoring transaction data with the variation of the corresponding data of transaction data from monitoring in electronic cash service application module, reminding user transaction is abnormal.
According to the present invention, alternatively, described electronic transaction method for supervising, also comprises: be alerted transaction abnormal in the situation that user, initiate error correction request; In response to this error correction request, monitoring module is deciphered the monitoring transaction data of having encrypted, and this monitoring transaction data is signed with described trusted root; Monitoring after signature is sent to described third-party server with transaction data; Described third-party server is verified this signature and in the situation that being verified, this monitoring is sent to the server of credit card issuer with transaction data; The server of described credit card issuer is checked user's account trading situation with transaction data based on this monitoring, and abnormal conditions are processed, and subsequently, sends related news so that user learns.
According to the present invention, alternatively, user terminal carries out electronic transaction by the POS terminal of NFC and trade company.
According to the present invention, alternatively, described electronic cash service application module is arranged in the SD storage card of described user terminal, in the situation that described user terminal is communication equipment, is arranged in the SD card of SIM or described communication equipment.
According to the present invention, alternatively, the application system of described user terminal is trusted system, and described trusted system is selected the TrustZone framework of ARM chip or the CSE framework of Intel chip.
The present invention also provides a kind of electronic transaction monitoring system, and this system comprises: be arranged on the monitoring module in user terminal; The trusted root being provided by third-party server in user terminal is provided; Be arranged on the electronic cash service application module in user terminal; Described monitoring module is disposed for being undertaken, in the process of electronic transaction, obtaining monitoring transaction data by the associated electronic device of trade company at described user terminal, and calls described trusted root, encrypts described monitoring information; Described monitoring module is also configured to based on described monitoring transaction data, monitor the variation of data corresponding with monitoring transaction data in described electronic cash service application module, if different with described monitoring transaction data with the variation of the corresponding data of transaction data from monitoring in electronic cash service application module, reminding user transaction is abnormal.
According to the present invention, alternatively, described electronic transaction monitoring system also comprises the server of third-party server and credit card issuer; And described electronic cash service application module is configured to be alerted transaction abnormal in the situation that user, initiates error correction request; Described monitoring module is further configured in response to this error correction request, the monitoring transaction data that deciphering has been encrypted, and with described trusted root, this monitoring transaction data is signed, the monitoring after signature is sent to described third-party server with transaction data; Described third-party server is arranged in the monitoring of receiving this signature with verifying this signature after information and in the situation that being verified, this monitoring being sent to the server of credit card issuer with transaction data; And the server of described credit card issuer is configured to check based on this monitoring transaction data user's account trading situation, and abnormal conditions are processed, subsequently, sent related news so that user learns.
Adopt technical scheme of the present invention, can improve the security of electronic transaction.
Brief description of the drawings
Fig. 1 is according to the structural representation of the applied environment of electronic transaction method for supervising of the present invention.
Fig. 2 is according to the schematic flow sheet of electronic transaction method for supervising of the present invention.
Detailed description of the invention
Describe schematic example of the present invention referring now to accompanying drawing, identical drawing reference numeral represents identical element. Each embodiment described below contributes to those skilled in the art thoroughly to understand the present invention, and is intended to example and unrestricted. Unless otherwise defined, the term (comprising science, technology and industry slang) using in literary composition has the identical implication of implication of generally understanding with those skilled in the art in the invention. In addition, in flow chart, the sequencing of each step is not also limited with illustrated order.
In the present invention, term " server " should be interpreted broadly, and it comprises the electronic equipment that possesses data-handling capacity, is not particularly limited to a certain class of electronic devices.
According to the present invention, the electronic transaction method for supervising of example is for example applied in applied environment as shown in Figure 1. Illustratively, this applied environment as shown in Figure 1, comprises associated electronic device 12, third-party server 14 and the issuers server 16 of user terminal 10, trade company. User terminal 10 can be for example the portable electric appts such as mobile phone, also can be desktop computer, can also be the equipment in this other unlisted carried out data processing. According to example of the present invention, user terminal 10 comprises NFC(NearFieldCommunication, near-field communication) module, also comprise electronic cash service application module 102. The associated electronic device 12 of trade company is POS terminal in this paper example, therefore hereinafter sometimes also referred to as the POS of trade company terminal 12. Communication connection between the associated electronic device 12 of trade company and issuers server 16, communication connection between issuers server 16 and third-party server 14, is also communication connection between user terminal 10 and third-party server 14. Herein, communication connection can be wireless connections, can be also wired connection, as long as can reach communication function.
As example, user communicates by letter with the POS of trade company terminal 12 by the NFC module of its user terminal 10, to conclude the business. The POS of trade company terminal 12 can be uploaded issuers server 16 so that it is processed by transaction data, and at this, a series of handling processes about transaction from POS terminal to credit card issuer are consistent with conventional electronic transaction.
According to example of the present invention, in user terminal 10, be provided with the trusted root (not shown) that monitoring module 100 and third-party server provide. Fig. 2 is according to the schematic flow sheet of electronic transaction method for supervising of the present invention. Schematically set forth according to electronic transaction method for supervising of the present invention in conjunction with Fig. 2 and Fig. 1. In step 20, monitoring module 100, in the time that user terminal 10 carries out electronic transaction by the POS of trade company terminal 12, obtains monitoring transaction data. Monitoring refers to transaction data some critical datas that can confirm that whether this transaction be wrong in this article, such as number, name of firm etc. In step 22, monitoring module 100 further calls the trusted root being arranged in user terminal 10, by the monitoring encrypted transaction data obtaining. In step 24, monitoring module 100 is based on described monitoring transaction data, in monitoring electronic cash service application module 102, use the variation of the corresponding data of transaction data with monitoring, if different with described monitoring transaction data with the variation of the corresponding data of transaction data from monitoring in electronic cash service application module, reminding user transaction is abnormal. According to example of the present invention, cash number in electronic cash service application module 102 can change along with number of deals, for example in electronic cash service application module 102, originally there is the cash number of 1500 yuan, having concluded the business after 500 yuan, become the cash number of 1000 yuan, and the variation of the amount of money is 500. If it is 1000 but not 500 that monitoring module 100 monitors cash number variation in electronic cash service application module 102, reminding user transaction is abnormal.
Alternatively, occurred concluding the business extremely with the described monitoring inconsistent situation of transaction data reminding user with the variation of monitoring corresponding data with transaction data in the definite electronic cash service of step 24 application module after, enter step 26. In step 26, be alerted transaction abnormal in the situation that user, initiate error correction request, this error correction request for example can be served application module 102 by electronic cash and be initiated. In step 28, monitoring module 100 is in response to this error correction request, the monitoring transaction data that deciphering has been encrypted, and this monitoring transaction data is signed with described trusted root. In step 30, by user terminal 10, the monitoring after this signature is sent to described third-party server 14 with transaction data. In step 32, third-party server 14 is verified these signatures and in the situation that being verified, this monitoring is sent to the server 16 of credit card issuer with transaction data. In step 34, the server 16 of this credit card issuer is checked user's account trading situation with transaction data based on this monitoring, and abnormal conditions are processed, and subsequently, sends related news so that user learns. For example, in the situation that finding dealing money change, issuers server 16 is carried out reconciliation process to the account of this card, and abnormal withholing is counted to the account of this card, subsequently, sends related news so that user learns.
According to example of the present invention, this electronic cash service application module is arranged in the SD storage card of user terminal 10, in the situation that user terminal 10 is communication equipment, is arranged in the SD card of SIM or communication equipment.
According to example of the present invention, the application system that the application system of this user terminal is trusted system, and this trusted system can be the TrustZone framework of ARM chip or the CSE framework of Intel chip, other also can at this unlisted trusted system.
According to electronic transaction method for supervising of the present invention example more specifically, user terminal 10 is served application module to the POS of trade company terminal by electronic cash by NFC module and is paid in cash. Monitoring module 100 is accessed NFC module and is obtained monitoring transaction data. The trusted root that monitoring module 100 use are stored in user terminal 10 is encrypted this monitoring transaction data, and stores this monitoring transaction data, for example, be stored in memory module. The SE device of monitoring module 100 further calling party terminals 10, obtains the data after the interior transaction of electronic cash service application module 102 in SE device. Monitoring module 100 obtains monitoring transaction with transaction data and the electronic cash service application module 102 in SE device, data contrast, number or the out of Memory of the project corresponding with monitoring use transaction data that after concluding the business as found, data presented, different with transaction data with obtained monitoring, determine that transaction occurs abnormal.
In the situation that definite transaction generation is abnormal, monitoring module 100 sends the abnormal warning of prompting transaction by user terminal 10 to user, for example, with information demonstration or buzzing etc. User can initiate error correction request by the electronic cash application service module 102 of user terminal 10. In response to this error correction request, monitoring module 100, reads the stored transaction data relevant with this transaction, i.e. the monitoring transaction data of storage, and call trusted root, decipher this transaction data signature. Monitoring module 100 further sends to third-party server 14 by this transaction data after signature. The transaction data of third-party server 14 these signatures of checking, and in the situation that being verified, transaction data is sent to issuers server. This issuers server is received after the transaction data from third-party server 14, carries out account reconciliation process, and for example the dealing money of many buttons just can contribute to user's primary account number. Issuers server 16 can return to user by accounting checking result, prompting error correction success.
According to the present invention, also provide electronic transaction monitoring system. Set forth this electronic transaction monitoring system in conjunction with Fig. 1. This electronic transaction monitoring system comprises the monitoring module 100 being arranged in user terminal 10, and the trusted root being provided by third-party server 14 (not shown) in user terminal 10 is provided, and is arranged on the electronic cash service application module 102 in user terminal 10. This monitoring module 100 is configured to be undertaken, in the process of electronic transaction, obtaining monitoring transaction data by the associated electronic device 12 of trade company at user terminal 10, and calls described trusted root, encrypts described monitoring information. For example, the NFC module that monitoring module 100 is used for carrying out electronic data transaction by user terminal 10 is obtained monitoring transaction data, finally to its encryption storage.
Monitoring module 100 is also based on monitoring transaction data, monitor the variation of data corresponding with monitoring transaction data in described electronic cash service application module 102, if different with described monitoring transaction data with the variation of the corresponding data of transaction data from monitoring in electronic cash service application module, reminding user transaction is abnormal. For example, monitoring module 100, from the SE device of user terminal 10, obtains the data after the interior transaction of electronic cash service application module 102 in SE device. Monitoring module 100 obtains monitoring transaction with transaction data and the electronic cash service application module 102 in SE device, data contrast, number or the out of Memory of the project corresponding with monitoring use transaction data that after concluding the business as found, data presented, different with transaction data with obtained monitoring, determine that transaction occurs abnormal.
In the situation that transaction is abnormal, electronic cash service application module 102 is initiated error correction request. In response to this error correction request, monitoring module 100 is deciphered the monitoring transaction data of having encrypted, and this monitoring transaction data is signed with described trusted root, and the monitoring after signature is sent to described third-party server 14 with transaction data. Third-party server 14 in the monitoring of receiving this signature with verifying this signature after transaction data and in the situation that being verified, this monitoring being sent to the server 16 of credit card issuer with transaction data. The server 16 of described credit card issuer is configured to, based on this monitoring transaction data, the account of this card is carried out to reconciliation process, and abnormal withholing is counted to the account of this card, subsequently, sends related news so that user learns.
According to the present invention, the application system of user terminal 10 is to comprise trusted system, for example, be the TrustZone framework of ARM chip or the CSE framework of Intel chip, or other trusted system of not mentioning at this.
According to each example of the present invention, owing to carrying out monitoring trading data by monitoring module, and in the situation that transaction data is abnormal, transaction situation can be sent to credit card issuer via third party so that it carries out collation process, final generation of placing mistake transaction, has ensured transaction security.
Although in the each example of the present invention, be as example, transaction to be described with communicating by letter of POS terminal using NFC module, other that also can adopt user terminal can communication module comes and POS terminal transaction. Meanwhile, in concrete example above, be to illustrate that with number of deals or the amount of money change transaction is abnormal, but it is abnormal to be also that other transaction data changes the transaction producing, such as beneficiary etc.
Claims (10)
1. an electronic transaction method for supervising, the method comprises:
The trusted root that monitoring module is set in user terminal and is provided by third-party server, is also provided with electronic cash service application module in described user terminal;
Monitoring module is undertaken, in the process of electronic transaction, obtaining monitoring transaction data by the associated electronic device of trade company at described user terminal;
Monitoring module calls described trusted root, encrypts described monitoring transaction data;
Monitoring module is based on described monitoring transaction data, monitor the variation of data corresponding with monitoring transaction data in described electronic cash service application module, if different with described monitoring transaction data with the variation of the corresponding data of transaction data from monitoring in electronic cash service application module, reminding user transaction is abnormal.
2. electronic transaction method for supervising as claimed in claim 1, also comprises:
Be alerted transaction abnormal in the situation that user, initiate error correction request;
In response to this error correction request, monitoring module is deciphered the monitoring transaction data of having encrypted, and this monitoring transaction data is signed with described trusted root;
Monitoring after signature is sent to described third-party server with transaction data;
Described third-party server is verified this signature and in the situation that being verified, this monitoring is sent to the server of credit card issuer with transaction data;
The server of described credit card issuer is checked user's account trading situation with transaction data based on this monitoring, and abnormal conditions are processed, and subsequently, sends related news so that user learns.
3. electronic transaction method for supervising as claimed in claim 1 or 2, is characterized in that, user terminal carries out electronic transaction by the POS terminal of NFC and trade company.
4. electronic transaction method for supervising as claimed in claim 1 or 2, it is characterized in that, described electronic cash service application module is arranged in the SD storage card of described user terminal, in the situation that described user terminal is communication equipment, is arranged in the SD card of SIM or described communication equipment.
5. electronic transaction method for supervising as claimed in claim 1 or 2, is characterized in that, the application system of described user terminal is trusted system, and described trusted system is selected the TrustZone framework of ARM chip or the CSE framework of Intel chip.
6. an electronic transaction monitoring system, this system comprises:
Be arranged on the monitoring module in user terminal;
The trusted root being provided by third-party server in user terminal is provided;
Be arranged on the electronic cash service application module in user terminal;
Described monitoring module is disposed for being undertaken, in the process of electronic transaction, obtaining monitoring transaction data by the associated electronic device of trade company at described user terminal, and calls described trusted root, encrypts described monitoring information;
Described monitoring module is also configured to based on described monitoring transaction data, monitor the variation of data corresponding with monitoring transaction data in described electronic cash service application module, if different with described monitoring transaction data with the variation of the corresponding data of transaction data from monitoring in electronic cash service application module, reminding user transaction is abnormal.
7. electronic transaction monitoring system as claimed in claim 6, is characterized in that, described electronic transaction monitoring system also comprises the server of third-party server and credit card issuer; And
Described electronic cash service application module is configured to be alerted transaction abnormal in the situation that user, initiates error correction request;
Described monitoring module is further configured in response to this error correction request, the monitoring transaction data that deciphering has been encrypted, and with described trusted root, this monitoring transaction data is signed, the monitoring after signature is sent to described third-party server with transaction data;
Described third-party server is arranged in the monitoring of receiving this signature with verifying this signature after information and in the situation that being verified, this monitoring being sent to the server of credit card issuer with transaction data; And
The server of described credit card issuer is configured to check based on this monitoring transaction data user's account trading situation, and abnormal conditions are processed, and subsequently, sends related news so that user learns.
8. the electronic transaction monitoring system as described in claim 6 or 7, is characterized in that, user terminal carries out electronic transaction by the POS terminal of NFC and trade company.
9. the electronic transaction monitoring system as described in claim 6 or 7, it is characterized in that, described electronic cash service application module is arranged in the SD storage card of described user terminal, in the situation that described user terminal is communication equipment, is arranged in the SD card of SIM or described communication equipment.
10. the electronic transaction monitoring system as described in claim 6 or 7, is characterized in that, the application system of described user terminal is trusted system, and described trusted system is selected the TrustZone framework of ARM chip or the CSE framework of Intel chip.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510227631.1A CN105590209A (en) | 2015-05-07 | 2015-05-07 | Electronic transaction monitoring method and system |
| PCT/CN2016/080116 WO2016177291A1 (en) | 2015-05-07 | 2016-04-25 | Electronic transaction monitoring method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510227631.1A CN105590209A (en) | 2015-05-07 | 2015-05-07 | Electronic transaction monitoring method and system |
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| CN105590209A true CN105590209A (en) | 2016-05-18 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201510227631.1A Pending CN105590209A (en) | 2015-05-07 | 2015-05-07 | Electronic transaction monitoring method and system |
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| Country | Link |
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| CN (1) | CN105590209A (en) |
| WO (1) | WO2016177291A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108053214A (en) * | 2017-12-12 | 2018-05-18 | 阿里巴巴集团控股有限公司 | A kind of recognition methods of wash sale and device |
| CN109034821A (en) * | 2018-06-29 | 2018-12-18 | 深圳春沐源控股有限公司 | transaction monitoring method and monitoring device, storage medium and server |
| CN110827150A (en) * | 2019-11-11 | 2020-02-21 | 成都三泰智能设备有限公司 | Digital asset storage and management system |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110826994B (en) * | 2019-11-01 | 2021-05-28 | 腾讯科技（深圳）有限公司 | Data processing method, device, equipment and storage medium |
| CN111539736B (en) * | 2020-04-27 | 2024-01-23 | 中国银行股份有限公司 | Transaction monitoring method and related device |
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| FR2934910B1 (en) * | 2008-08-05 | 2013-08-16 | Inside Contactless | METHOD OF SECURING AN EXECUTED TRANSACTION USING A PROGRAMMABLE PORTABLE DEVICE |
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| CN101527024A (en) * | 2008-03-06 | 2009-09-09 | 同方股份有限公司 | Safe web bank system and realization method thereof |
| CN103544599A (en) * | 2012-07-09 | 2014-01-29 | 马克西姆综合产品公司 | Embedded secure element for authentication, storage and transaction within a mobile terminal |
| CN103440706A (en) * | 2013-08-23 | 2013-12-11 | 捷德（中国）信息科技有限公司 | Method and device for eliminating QPBOC abnormal transaction of financial IC card |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108053214A (en) * | 2017-12-12 | 2018-05-18 | 阿里巴巴集团控股有限公司 | A kind of recognition methods of wash sale and device |
| CN108053214B (en) * | 2017-12-12 | 2021-11-23 | 创新先进技术有限公司 | False transaction identification method and device |
| CN109034821A (en) * | 2018-06-29 | 2018-12-18 | 深圳春沐源控股有限公司 | transaction monitoring method and monitoring device, storage medium and server |
| CN110827150A (en) * | 2019-11-11 | 2020-02-21 | 成都三泰智能设备有限公司 | Digital asset storage and management system |
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| Publication number | Publication date |
|---|---|
| WO2016177291A1 (en) | 2016-11-10 |
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Application publication date: 20160518 |
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