CN111242605A - Mobile payment method - Google Patents

Mobile payment method Download PDF

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Publication number
CN111242605A
CN111242605A CN201811446116.2A CN201811446116A CN111242605A CN 111242605 A CN111242605 A CN 111242605A CN 201811446116 A CN201811446116 A CN 201811446116A CN 111242605 A CN111242605 A CN 111242605A
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terminal
payment
identification
information
identifier
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CN111242605B (en
Inventor
张永俊
崔志顺
陈建聪
梅铁勇
黄炳强
刘毅峰
邓逸斌
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China Mobile Communications Group Co Ltd
China Mobile Group Guangdong Co Ltd
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China Mobile Communications Group Co Ltd
China Mobile Group Guangdong Co Ltd
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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention discloses a mobile payment method. The method comprises the following steps: the safety payment server receives a mobile payment request comprising a first terminal identification, a first terminal SIM card identification and a service identification, acquires user information according to the first terminal identification and/or the first terminal SIM card identification, acquires a first payment rule corresponding to the user information according to the user information, acquires a second terminal identification and a second terminal SIM card identification according to the first terminal identification, the first terminal SIM card identification, the service identification and the first payment rule, acquires the mobile network state of a second terminal corresponding to the second terminal identification and the second terminal SIM card identification according to the second terminal identification and the second terminal SIM card identification, and sends payment verification information to the second terminal if the mobile network state of the second terminal is judged to be networking, and receives payment confirmation information sent by the second terminal to complete mobile payment. The mobile payment method provided by the embodiment of the invention improves the security of mobile payment.

Description

Mobile payment method
Technical Field
The embodiment of the invention relates to the technical field of mobile communication, in particular to a mobile payment method.
Background
The mobile payment refers to the action of generating money payment or fund transfer by directly or indirectly sending payment information to a financial institution by using a mobile phone or a mobile terminal based on a communication network as a carrier during transaction. At present, mobile payment becomes an important means for money payment or transfer in daily life of people, and the mobile payment accounts for over 80% in internet transactions according to statistics.
In the prior art, before mobile payment, a user needs to provide information related to a bank card, such as a card number, a user name, a mobile phone number bound to a payment platform, and the like, to the payment platform. When mobile payment is carried out, the payment platform verifies the authenticity of a user to a financial institution according to information such as a bank card number, a user name, a mobile phone number retained by a bank and the like, verification information is generated and sent to the mobile phone number bound on the payment platform by the user, and after the user inputs correct verification reply information on a payment page, the payment platform carries out payment to a third party. When a mobile phone of a user is lost or the number of the mobile phone is changed, if the user does not modify the number of the mobile phone bound with the payment platform in time, the situation that others pretend to pay by the user exists, and the payment risk in the mobile payment process can be caused.
Therefore, how to provide a mobile payment method, which can improve the security of mobile payment, is an important issue to be solved urgently in the industry.
Disclosure of Invention
Aiming at the defects in the prior art, the embodiment of the invention provides a mobile payment method.
The embodiment of the invention provides a mobile payment method, which comprises the following steps:
the safety payment server receives a mobile payment request, wherein the mobile payment request comprises a first terminal identification, a first terminal user identification card identification and a service identification; the mobile payment request is sent by the first terminal after verification through the payment platform;
the secure payment server acquires user information according to the first terminal identification and/or the first terminal user identification card identification, and acquires a first payment rule corresponding to the user information according to the user information; the first payment rule is generated in advance and corresponds to the user information one by one;
the secure payment server acquires a second terminal identification and a second terminal user identification card identification according to the first terminal identification, the first terminal user identification card identification, the service identification and the first payment rule;
the secure payment server acquires the mobile network state of the second terminal corresponding to the second terminal identification and the second terminal user identification card identification according to the second terminal identification and the second terminal user identification card identification;
if the secure payment server judges that the mobile network state of the second terminal is networking, the secure payment server sends payment verification information to the second terminal;
and the secure payment server receives payment confirmation information sent by the second terminal and completes mobile payment according to the payment confirmation information.
In the mobile payment method provided by the embodiment of the invention, the secure payment server receives a mobile payment request sent by a first terminal after successfully logging in a payment platform, the mobile payment request comprises a first terminal identifier and a first terminal SIM card identifier, then acquires user information according to the first terminal identifier and/or the first terminal SIM card identifier, acquires a first payment rule corresponding to the user information according to the user information, then acquires a second terminal identifier and a second terminal SIM card identifier according to the first terminal identifier, the first terminal SIM card identifier and the first payment rule, acquires the mobile network state of the second terminal corresponding to the second terminal identifier and the second terminal SIM card identifier according to the second terminal identifier and the second terminal SIM card identifier, and sends payment verification information to the second terminal after judging that the mobile network state of the second terminal is the networking of the second terminal, and after receiving payment confirmation information sent by the second terminal, mobile payment is completed according to the payment confirmation information, the second terminal identification and the second terminal SIM card identification are obtained from the first payment rule, and payment verification is performed by using the second terminal corresponding to the second terminal identification and the second terminal SIM card identification, so that the safety of mobile payment is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a mobile payment system according to a first embodiment of the present invention;
fig. 2 is a schematic flow chart of a mobile payment method according to a second embodiment of the present invention;
fig. 3 is a schematic flow chart of a mobile payment method according to a third embodiment of the present invention;
fig. 4 is a schematic flow chart of a mobile payment method according to a fourth embodiment of the present invention;
fig. 5 is a schematic flow chart of a mobile payment method according to a fifth embodiment of the present invention;
fig. 6 is a schematic flow chart of a mobile payment method according to a sixth embodiment of the present invention;
fig. 7 is a schematic flow chart of a mobile payment method according to a seventh embodiment of the present invention;
fig. 8 is a schematic flow chart of a mobile payment method according to an eighth embodiment of the present invention;
fig. 9 is a signaling interaction diagram of a mobile payment registration process according to a ninth embodiment of the present invention;
fig. 10 is a signaling interaction diagram of a network device acquiring a first payment rule according to a tenth embodiment of the present invention;
fig. 11 is a signaling interaction diagram of a payment platform verification process of a first terminal according to an eleventh embodiment of the present invention;
fig. 12 is a signaling interaction diagram of a mobile payment method according to a twelfth embodiment of the present invention;
fig. 13 is a signaling interaction diagram of a mobile payment method according to a thirteenth embodiment of the present invention;
fig. 14 is a signaling interaction diagram of a first payment rule update according to a fourteenth embodiment of the present invention;
fig. 15 is a signaling interaction diagram generated by a second payment rule according to a fifteenth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly described below with reference to the accompanying drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a schematic structural diagram of a mobile payment system according to a first embodiment of the present invention, and as shown in fig. 1, the mobile payment system according to the embodiment of the present invention includes a first terminal 1, a second terminal 2, a network element device 3, a policy and charging control server 4, a secure payment server 5, and a payment platform, where the first terminal 1 and the second terminal 2 are in mobile communication connection with the network element device 3, and the first terminal 1 and the second terminal 2 access a mobile network through the network element device 3. The Policy and Charging control server 4 is hardware of an intelligent pipeline under a Policy and Charging Control (PCC) architecture in the LTE network, and information interaction related to mobile payment between the first terminal 1 and the secure payment server 5, between the first terminal 1 and the payment platform 6, between the second terminal 2 and the secure payment server 5, and between the second terminal 1 and the payment platform 6 all needs to be forwarded or processed through the Policy and Charging control server 4. The fee control server 4 is respectively connected with the safety payment server 5, the network element device 3 and the payment platform 6 in a communication way. The first terminal 1 is used for initiating payment platform verification through the network element device 3, and after the payment platform verification is passed, initiating a payment request to the secure payment server 5 through the network element device 3 and the policy charging control server 4, the second terminal 2 is used for confirming the payment request, and the secure payment server 5 completes a subsequent mobile payment process after receiving mobile payment confirmation information sent by the second terminal 2. The first terminal 1 and the second terminal 2 may be terminals for mobile communication, such as smart phones, tablet computers, and other devices; the network element device 3 is a base station, a Serving GPRS Support Node (SGSN), a Gateway GPRS Support Node (GGSN), or a PDN Gateway (PDN Gateway, PGW).
Fig. 2 is a schematic flow chart of a mobile payment method according to a second embodiment of the present invention, and as shown in fig. 2, the mobile payment method according to the present invention includes:
s201, a secure payment server receives a mobile payment request, wherein the mobile payment request comprises a first terminal identifier, a first terminal user identity identification card identifier and a service identifier; the mobile payment request is sent by the first terminal after verification through the payment platform;
specifically, after the first terminal successfully logs in the payment platform, a mobile payment request may be sent to the secure payment server through the network element device and the policy and charging control server, and the secure payment server may receive the mobile payment request, where the mobile payment request includes a first terminal identifier, a first terminal Subscriber identity Module (SIM card) identifier, and a service identifier. The first terminal identifier corresponds to the first terminal only, and the first terminal identifier may be an International Mobile Equipment Identity (IMEI) for short; the first terminal SIM card identifier may adopt an International Mobile Subscriber identity Number (IMSI) and/or a Mobile phone Number; the service identification is used for indicating that the mobile payment service is currently carried out, and the service identification is preset; the mobile payment request is sent by the first terminal after verification by a payment platform.
S202, the secure payment server acquires user information according to the first terminal identification and/or the first terminal user identification card identification, and acquires a first payment rule corresponding to the user information according to the user information; the first payment rule is generated in advance and corresponds to the user information one by one;
specifically, before the user uses the first terminal to perform mobile communication, the user needs to handle a subscription procedure at a mobile operator to provide information such as the identification number, name, and gender. After the user finishes the signing procedure, the user related information is stored in a Home Location Register (HLR) and a Next generation service Operation Support System (NGBOSS). The secure payment server may access an HLR or an NGBOSS according to the first terminal identifier and/or the first terminal SIM card identifier to obtain the user information, and may obtain a first payment rule corresponding to the user information according to the user information. The first payment rule is generated in advance and corresponds to the user information one by one; the user information is, for example, an identification number of the user.
For example, the first payment rule includes: the first verification information: the payment terminal identification, the payment terminal SIM card identification and the service identification; the second verification information: the auxiliary terminal identification, the payment terminal SIM card identification and the service identification; third verification information: the auxiliary terminal identification, the auxiliary terminal SIM card identification and the service identification; fourth authentication information: the payment terminal identification, the auxiliary terminal SIM card identification and the service identification.
S203, the safety payment server acquires a second terminal identifier and a second terminal user identity identification card identifier according to the first terminal identifier, the first terminal user identity identification card identifier, the service identifier and the first payment rule;
specifically, after obtaining the first terminal identifier, the first terminal SIM card identifier, the service identifier, and the first payment rule, the secure payment server may obtain, according to the first terminal identifier, the first terminal SIM card identifier, the service identifier, and the first payment rule, the second terminal identifier and the second terminal SIM card identifier from the first payment rule.
For example, the first payment rule includes: the first verification information: the payment terminal identification, the payment terminal SIM card identification and the service identification; the second verification information: the auxiliary terminal identification, the payment terminal SIM card identification and the service identification; third verification information: the auxiliary terminal identification, the auxiliary terminal SIM card identification and the service identification; fourth authentication information: the payment terminal identification, the auxiliary terminal SIM card identification and the service identification. The safety payment server compares the first terminal identification, the first terminal SIM card identification and the service identification with first verification information, second verification information, third verification information and fourth verification information included in the first payment rule respectively to obtain unique verification information which does not include the first terminal identification and the first terminal SIM card identification in the four pieces of verification information, takes the terminal identification included in the verification information as the second terminal identification, and takes the terminal SIM card identification included in the verification information as the second terminal SIM card identification, thereby obtaining the second terminal identification and the second terminal SIM card identification.
S204, the secure payment server acquires the mobile network state of the second terminal corresponding to the second terminal identification and the second terminal user identification card identification according to the second terminal identification and the second terminal user identification card identification;
specifically, after obtaining the second terminal identifier and the second terminal SIM card identifier, the secure payment server may query and obtain a mobile network state of the second terminal corresponding to the second terminal identifier and the second terminal SIM card identifier, where the mobile network state is an internet connection state or a network disconnection state, the internet connection state refers to that the user terminal accesses the mobile communication network, and the network disconnection state refers to that the user terminal does not access the mobile communication network.
S205, if the secure payment server judges that the mobile network state of the second terminal is networking, sending payment verification information to the second terminal;
specifically, after obtaining the mobile network state of the second terminal, if it is determined that the mobile network state of the second terminal is the internet, that is, the second terminal accesses the mobile communication network, the secure payment server sends payment verification information to the second terminal, where the payment verification information is transmitted to the second terminal through the policy and charging control server and the network element device. The payment verification information can be sent to the second terminal in a form of a short message.
S206, the secure payment server receives payment confirmation information sent by the second terminal and completes mobile payment according to the payment confirmation information.
Specifically, after receiving the payment verification information, the second terminal may reply an instruction for confirming payment after checking the payment verification information, and the second terminal may carry the instruction for confirming payment in the payment confirmation information and send the instruction to the secure payment server, where the secure payment server completes a subsequent mobile payment process according to the payment confirmation information, for example, after receiving the payment confirmation information, the secure payment server may send a mobile payment request to the payment platform, so that the payment platform completes a payment operation according to the mobile payment request. The second terminal may send the payment confirmation information in a form of a short message, where the payment confirmation indication is, for example, Y, and is set according to actual needs, and embodiments of the present invention are not limited. The specific process of the payment platform completing the payment operation according to the mobile payment request is the prior art, and is not described herein in detail.
The mobile payment method provided by the invention is characterized in that a security payment server receives a mobile payment request sent by a first terminal after successfully logging in a payment platform, the mobile payment request comprises a first terminal identifier and a first terminal SIM card identifier, then acquires user information according to the first terminal identifier and/or the first terminal SIM card identifier, acquires a first payment rule corresponding to the user information according to the user information, then acquires a second terminal identifier and a second terminal SIM card identifier according to the first terminal identifier, the first terminal SIM card identifier and the first payment rule, acquires the mobile network state of the second terminal corresponding to the second terminal identifier and the second terminal SIM card identifier according to the second terminal identifier and the second terminal SIM card identifier, and sends payment verification information to the second terminal after judging that the mobile network state of the second terminal is the networking of the second terminal, and after receiving payment confirmation information sent by the second terminal, the payment process is completed, the second terminal identification and the second terminal SIM card identification are obtained from the first payment rule, and payment verification is performed by using the second terminal corresponding to the second terminal identification and the second terminal SIM card identification, so that the safety of mobile payment is improved.
Fig. 3 is a schematic flow chart of a mobile payment method according to a third embodiment of the present invention, and as shown in fig. 3, on the basis of the foregoing embodiments, further, the mobile payment method according to the embodiment of the present invention further includes:
s301, if the secure payment server judges that the mobile network state of the second terminal is disconnected, acquiring each registered terminal identifier and each registered terminal user identity identification card identifier corresponding to the user information according to the user information;
specifically, after obtaining the mobile network state of the second terminal, if it is determined that the mobile network state of the second terminal is the disconnected network, that is, the second terminal does not access the mobile communication network, the secure payment server may access the HLR or the NGBOSS to obtain, according to the user information, each registered terminal identifier and each registered terminal SIM card identifier corresponding to the user information.
S302, if the safety payment server judges that at least one third terminal identification exists after the first terminal identification and the second terminal identification are removed from each registered terminal identification, and at least one third terminal user identification card identification exists after the first terminal user identification card identification and the second terminal user identification card identification are removed from each registered terminal user identification, acquiring a fourth terminal identification and a fourth terminal user identification card identification meeting a second payment rule according to each registered terminal identification, each registered terminal user identification card identification and the second payment rule; the second payment rule is generated in advance and corresponds to the user information one by one;
specifically, after obtaining each registered terminal identification and each registered terminal SIM card identification, removing the first terminal identification and the second terminal identification from each of the registered terminal identifications, the remaining registered terminal identifications being third terminal identifications, if at least one third terminal identity exists and the secure payment server removes the first terminal SIM card identity and the second terminal SIM card identity from each registered terminal SIM card identity, the remaining registered terminal SIM card identities are taken as the third terminal SIM card identities, if at least one third terminal SIM card identifier exists, the secure payment server can obtain a fourth terminal identifier and a fourth terminal SIM card identifier meeting the second payment rule according to each registered terminal identifier, each registered terminal SIM card identifier and the second payment rule. The secure payment server may obtain the second payment rule according to the user information, where the second payment rule is generated in advance, and the second payment rule corresponds to the user information one to one. It can be understood that, when there are a plurality of fourth terminal identifiers and fourth terminal SIM card identifiers that satisfy the second payment rule, one fourth terminal identifier may be selected from among a plurality of fourth terminal identifiers and fourth terminal SIM card identifiers that satisfy the second payment rule as the fourth terminal identifier, and one fourth terminal SIM card identifier may be selected as the fourth terminal SIM card identifier.
For example, the second payment rule is: fifth verification information: a standby terminal identity 003 and a standby terminal SIM card identity 138 x 1020; sixth authentication information: a standby terminal identity 003 and a payment terminal SIM card identity 135 x 1020; seventh authentication information: a standby terminal identity 003 and a secondary terminal SIM card identity 150 x 1020; eighth authentication information: payment terminal identity 001 and spare terminal SIM card identity 138 x 1020; ninth authentication information: secondary terminal identity 002 and standby terminal SIM card identity 138 x 1020. The secure payment server, if obtained, obtains a third terminal identity 003 and a third terminal SIM card identity 138 x 1020. The secure payment server compares the third terminal identifier 003 and the third terminal SIM card identifier 138 with the ninth verification information one by one with the fifth verification information, the sixth verification information, the seventh verification information, the eighth verification information, and the ninth verification information in the second payment rule, and can determine that the standby terminal identifier and the third terminal identifier in the fifth verification information are all 003, and that the standby terminal SIM card identifier and the third terminal SIM card identifier in the fifth verification information are both 138 with 1020, so that the third terminal identifier 003 and the third terminal SIM card identifier satisfy the second payment rule, and the third terminal identifier 003 is used as the fourth terminal identifier, and the third terminal SIM card identifier 138 with 1020 is used as the fourth terminal SIM card identifier.
S304, the safety payment server acquires the mobile network state of the fourth terminal corresponding to the fourth terminal identification and the fourth terminal user identification card identification according to the fourth terminal identification and the fourth terminal user identification card identification;
specifically, after obtaining the fourth terminal identifier and the fourth terminal SIM card identifier, the secure payment server may query and obtain a mobile network state of the fourth terminal corresponding to the fourth terminal identifier and the fourth terminal SIM card identifier.
S305, if the secure payment server judges that the mobile network state of the fourth terminal is the networking state, sending payment verification information to the fourth terminal;
specifically, after obtaining the mobile network state of the fourth terminal, if it is determined that the mobile network state of the fourth terminal is the internet, that is, the fourth terminal accesses the mobile communication network, the secure payment server sends payment verification information to the fourth terminal, where the payment verification information is transmitted to the fourth terminal through the policy and charging control server and the network element device. The payment verification information can be sent to the fourth terminal in a form of a short message.
S306, the secure payment server receives payment confirmation information sent by the fourth terminal and completes mobile payment according to the payment confirmation information.
Specifically, after the fourth terminal receives the payment verification information, a user corresponding to the second terminal can reply a payment confirmation instruction after checking the payment verification information, the second terminal can carry the payment confirmation instruction in the payment confirmation information and send the payment confirmation information to the secure payment server, and the secure payment server completes a subsequent mobile payment process according to the payment confirmation information. The fourth terminal may send the payment confirmation information in a form of a short message, where the payment confirmation instruction is, for example, Y, and is set according to actual needs, and embodiments of the present invention are not limited.
On the basis of the above embodiments, further, the mobile payment method provided by the present invention further includes:
and the safety payment server terminates the mobile payment if a fourth terminal identifier and a fourth terminal user identification card identifier meeting the second payment rule are not obtained according to each registered terminal identifier and each registered terminal user identification card identifier.
Specifically, after obtaining each registered terminal identifier and each registered terminal SIM card identifier, the secure payment server removes the first terminal identifier and the second terminal identifier from each registered terminal identifier, and if the third terminal identifier does not exist, or the secure payment server removes the first terminal SIM card identifier and the second terminal SIM card identifier from each registered terminal SIM card identifier, the third terminal SIM card identifier does not exist, which indicates that payment authentication information cannot be sent to a corresponding terminal for authentication, the secure payment server terminates the mobile payment. Prompt information for terminating the mobile payment can be returned to the first terminal, and corresponding terminals which do not receive the payment verification information can be informed.
For example, the second payment rule is: fifth verification information: a standby terminal identity 003 and a standby terminal SIM card identity 138 x 1020; sixth authentication information: a standby terminal identity 003 and a payment terminal SIM card identity 135 x 1020; seventh authentication information: a standby terminal identity 003 and a secondary terminal SIM card identity 150 x 1020; eighth authentication information: payment terminal identity 001 and spare terminal SIM card identity 138 x 1020; ninth authentication information: secondary terminal identity 002 and standby terminal SIM card identity 138 x 1020. The secure payment server, if obtained, obtains a third terminal identity 004 and a third terminal SIM card identity 138 x 1121. The secure payment server compares the third terminal identifier 004 and the third terminal SIM card identifier 138 × 1121 with the fifth verification information, the sixth verification information, the seventh verification information, the eighth verification information, and the ninth verification information in the second payment rule one by one, and it can be determined that none of the verification information includes the third terminal identifier 004 and the third terminal SIM card identifier 138 × 1121 at the same time, so that the third terminal identifier 003 and the third terminal SIM card identifier do not satisfy the second payment rule, and the secure payment server terminates the mobile payment.
On the basis of the above embodiments, further, the mobile payment method provided by the present invention further includes:
and if the safe payment server judges that the mobile network state of the fourth terminal is the disconnected network, the mobile payment is terminated.
Specifically, after obtaining the mobile network state of the fourth terminal, the secure payment server terminates the mobile payment if it is determined that the mobile network state of the fourth terminal is the disconnected network, that is, the fourth terminal does not access the mobile communication network, which indicates that the payment verification information cannot be sent to the fourth terminal for verification. The prompt message of terminating the mobile payment can be returned to the first terminal, and the fourth terminal is informed that the payment verification message can not be received without accessing the mobile communication network.
On the basis of the foregoing embodiments, further, the obtaining, by the secure payment server, the second terminal identifier and the second terminal user identification card identifier according to the first terminal identifier, the first terminal user identification card identifier, the service identifier, and the first payment rule includes:
and if the safe payment server judges that the first terminal identification, the first terminal user identification card identification and the service identification meet the first payment rule, the safe payment server acquires the second terminal identification and the second terminal user identification card identification from the first payment rule.
Specifically, after obtaining the first terminal identifier, the first terminal SIM card identifier, and the service identifier, the secure payment server determines whether the first terminal identifier, the first terminal SIM card identifier, and the service identifier satisfy the first payment rule, and if the first terminal identifier and the first terminal SIM card identifier satisfy the first payment rule, obtains the second terminal identifier and the second terminal SIM card identifier from the first payment rule.
For example, the first payment rule includes: the first verification information: the payment terminal identification, the payment terminal SIM card identification and the service identification; the second verification information: the auxiliary terminal identification, the payment terminal SIM card identification and the service identification; third verification information: the auxiliary terminal identification, the auxiliary terminal SIM card identification and the service identification; fourth authentication information: the payment terminal identification, the auxiliary terminal SIM card identification and the service identification. The secure payment server compares the first terminal identifier, the first terminal SIM card identifier, and the service identifier with first verification information, second verification information, third verification information, and fourth verification information included in the first payment rule, respectively, and if any one of the four pieces of verification information includes the first terminal identifier, the first terminal SIM card identifier, and the service identifier, the first terminal SIM card identifier, and the service identifier satisfy the first payment rule, obtains unique verification information, which does not include the first terminal identifier and the first terminal SIM card identifier, in the four pieces of verification information, takes the terminal identifier included in the verification information as the second terminal identifier, and takes the terminal SIM card identifier included in the verification information as the second terminal SIM card identifier, thereby obtaining the second terminal identity and the second terminal SIM card identity.
Fig. 4 is a schematic flow chart of a mobile payment method according to a fourth embodiment of the present invention, and as shown in fig. 4, on the basis of the foregoing embodiments, further before the secure payment server receives a mobile payment request, the method further includes a mobile payment registration process, where the mobile payment registration process includes:
s401, the secure payment server receives a mobile payment registration request sent by an application terminal, wherein the mobile payment registration request comprises an application terminal identifier and an application terminal user identity identification card identifier;
specifically, before the user performs mobile payment through the secure payment server, the user needs to provide relevant information to apply for a mobile payment service. In order to apply for the mobile payment service, the user can send a mobile payment registration request through an application terminal, wherein the mobile payment registration request comprises an application terminal identifier and an application terminal SIM card identifier. The application terminal is a smart phone or a tablet computer. The application terminal identification is IMEI, and the first terminal SIM card identification can adopt IMSI and/or mobile phone number.
S402, the secure payment server takes the application terminal identification as a payment terminal identification and the application terminal user identification card identification as a payment terminal user identification card identification, and acquires the user information according to the application terminal identification and/or the application terminal user identification card identification;
specifically, the secure payment server takes the application terminal identification as the payment terminal identification after acquiring the application terminal identification and the application terminal SIM card identification, and takes the application terminal SIM card identification as the payment terminal SIM card identification. The safety payment server can access HLR or NGBOSS to obtain the user information according to the application terminal identification and/or the application terminal SIM card identification.
S403, the secure payment server acquires each registered terminal identification and each registered terminal user identification card identification corresponding to the user information according to the user information;
specifically, after obtaining the user information, the secure payment server may access an HLR or an NGBOSS to obtain, according to the user information, each registered terminal identifier and each registered terminal SIM card identifier corresponding to the user information. And the registered terminal identification and the registered terminal SIM card identification are stored corresponding to the user information after the user successfully transacts the signing procedure at the mobile operator.
S404, the secure payment server removes the application terminal identification from each registered terminal identification to obtain at least one fifth terminal identification, and removes the application terminal user identification from each registered terminal user identification to obtain at least one fifth terminal user identification;
specifically, after obtaining each registered terminal identifier and each registered terminal SIM card identifier, the secure payment server removes the application terminal identifier from each registered terminal identifier to obtain at least one fifth terminal identifier, and removes the application terminal SIM card identifier from each registered terminal SIM card identifier to obtain at least one fifth terminal identifier. It can be understood that if only the application terminal identifier is in each registration terminal identifier, the fifth terminal identifier cannot be obtained, the mobile payment registration process is ended, and registration termination prompt information can be returned to the application terminal.
S405, the safety payment server sends auxiliary terminal selection information to the application terminal, wherein the application terminal selection information comprises the fifth terminal identifications and the fifth terminal user identification card identifications;
specifically, after obtaining each fifth terminal identifier and fifth terminal SIM card identifier, the secure payment server carries each fifth terminal identifier and each fifth terminal SIM card identifier in auxiliary terminal selection information and sends the auxiliary terminal selection information to the application terminal, and the application terminal can receive the auxiliary terminal selection information.
S406, the safety payment server receives auxiliary terminal confirmation information returned by the application terminal, wherein the auxiliary terminal confirmation information comprises an auxiliary terminal identifier and an auxiliary terminal user identity identification card identifier, the auxiliary terminal identifier is one of the fifth terminal identifiers, and the auxiliary terminal user identity identification card identifier is one of the fifth terminal user identity identification card identifiers;
specifically, the application terminal receives each fifth terminal identification and each after the fifth terminal SIM card identification, can show each fifth terminal identification and each fifth terminal SIM card identification, supplies the user from each select one in the fifth terminal identification as the auxiliary terminal identification and from each select one in the fifth terminal SIM card identification as the auxiliary terminal SIM card identification, the application terminal detects that the user selects the auxiliary terminal identification with the auxiliary terminal SIM card identification, will the auxiliary terminal identification with the auxiliary terminal SIM card identification is carried in the auxiliary terminal confirmation information and is sent to the safety payment server, the safety payment server can receive the auxiliary terminal confirmation information.
S407, the secure payment server sends payment platform selection information to the application terminal and receives payment platform confirmation information returned by the application terminal; the payment platform selection information comprises at least one payment platform identifier to be selected, and the payment platform confirmation information comprises at least one payment platform identifier selected to be bound;
specifically, the secure payment server receives the auxiliary terminal confirmation information, and then sends payment platform selection information to the application terminal, so that a user corresponding to the application terminal can respond to the payment platform selection information to select a payment platform bound with the mobile payment, the application terminal carries a payment platform identifier bound with the user selection in the payment platform confirmation information and sends the payment platform identifier to the secure payment server, and the secure payment server can bind the mobile payment with the payment platform bound with the user selection according to the payment platform confirmation information. The payment platform identification corresponds to the payment platform one to one; the payment platform selection information comprises at least one payment platform identifier to be selected, and the payment platform confirmation information comprises at least one payment platform identifier selected to be bound; the specific process of the secure payment server binding the mobile payment with the payment platform is the prior art, and is not described herein again.
S408, the secure payment server generates the first payment rule according to the payment terminal identification, the payment terminal user identification card identification, the auxiliary terminal user identification card identification and the service identification, and corresponds the first payment rule with the user information.
Specifically, after obtaining the auxiliary terminal identifier and the auxiliary terminal SIM card identifier, the secure payment server generates the first payment rule according to the payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal SIM card identifier, and the service identifier, and corresponds the first payment rule to the user information. After the secure payment server generates the first payment rule, the secure payment server may push the first payment rule and the user information corresponding to the first payment rule to the policy charging control server.
For example, the first payment rule includes: the first verification information: the payment terminal identification, the payment terminal SIM card identification and the service identification; the second verification information: the auxiliary terminal identification, the payment terminal SIM card identification and the service identification; third verification information: the auxiliary terminal identification, the auxiliary terminal SIM card identification and the service identification; fourth authentication information: the payment terminal identification, the auxiliary terminal SIM card identification and the service identification. The service identification is a unique identification corresponding to the mobile payment service.
Fig. 5 is a schematic flow chart of a mobile payment method according to a fifth embodiment of the present invention, and as shown in fig. 5, on the basis of the foregoing embodiments, further before the secure payment server receives a mobile payment request, the method further includes a mobile payment registration process, where the mobile payment registration process includes:
s501, the secure payment server receives a mobile payment registration request sent by an application terminal, wherein the mobile payment registration request comprises an application terminal identifier and an application terminal user identity identification card identifier;
specifically, before the user performs mobile payment through the secure payment server, the user needs to provide relevant information to apply for a mobile payment service. In order to apply for the mobile payment service, the user can send a mobile payment registration request through an application terminal, wherein the mobile payment registration request comprises an application terminal identifier and an application terminal SIM card identifier. The application terminal is a smart phone or a tablet computer. The application terminal identification is IMEI, and the first terminal SIM card identification can adopt IMSI and/or mobile phone number.
S502, the secure payment server takes the application terminal identification as a payment terminal identification, takes the application terminal user identification card identification as a payment terminal user identification card identification, and sends auxiliary terminal acquisition information to the application terminal;
specifically, the safety payment server obtains the application terminal identification and the application terminal SIM card identification, and then takes the application terminal identification as the payment terminal identification, and will the application terminal SIM card identification is taken as the payment terminal SIM card identification, and to the application terminal sends auxiliary terminal acquisition information, auxiliary terminal acquisition information is used for acquiring auxiliary terminal identification and auxiliary terminal SIM card identification. The application terminal can receive the auxiliary terminal acquisition information.
S503, the safety payment server receives auxiliary terminal provided information returned by the application terminal, wherein the auxiliary terminal provided information comprises an auxiliary terminal identifier and an auxiliary terminal user identity identification card identifier;
specifically, the application terminal receives the auxiliary terminal acquires information, and then prompts the user to input the auxiliary terminal identifier and the auxiliary terminal SIM card identifier, and after receiving the auxiliary terminal identifier and the auxiliary terminal SIM card identifier input by the user, the auxiliary terminal identifier and the auxiliary terminal SIM card identifier are carried in auxiliary terminal provided information and sent to the safety payment server. The secure payment server may receive the auxiliary terminal provided information.
S504, the secure payment server obtains the user information according to the application terminal identification and/or the application terminal user identification card identification;
specifically, the secure payment server may access an HLR or an NGBOSS to obtain the user information according to the application terminal identifier and/or the application terminal SIM card identifier.
S505, if the secure payment server judges that the payment terminal identification, the payment terminal user identification card identification, the auxiliary terminal identification and the auxiliary terminal user identification card identification correspond to the user information, sending payment platform selection information to the application terminal, and receiving payment platform confirmation information returned by the application terminal; the payment platform selection information comprises at least one payment platform identification to be selected, and the payment platform confirmation information comprises at least one payment platform identification for confirming binding;
specifically, after obtaining the user information, the secure payment server may obtain, according to the user information, each registered terminal identifier and each registered terminal SIM card identifier corresponding to the user information, and if each registered terminal identifier includes the payment terminal identifier and the auxiliary terminal identifier and each registered terminal SIM card identifier includes the payment terminal SIM card identifier and the auxiliary terminal SIM card identifier, then the payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal identifier, and the auxiliary terminal SIM card identifier correspond to the user information, then the secure payment server sends payment platform selection information to the application terminal, so that a user corresponding to the application terminal may select a payment platform bound to the mobile payment in response to the payment platform selection information, the application terminal carries the payment platform identification selected to be bound by the user in payment platform confirmation information and sends the payment platform identification to the secure payment server, and the secure payment server can bind the mobile payment and the payment platform selected to be bound by the user according to the payment platform confirmation information. The payment platform identification corresponds to the payment platform one to one; the payment platform selection information comprises at least one payment platform identifier to be selected, and the payment platform confirmation information comprises at least one payment platform identifier selected to be bound;
s506, the safety payment server generates the first payment rule according to the payment terminal identification, the payment terminal user identification card identification, the auxiliary terminal user identification card identification and the service identification, and corresponds the first payment rule with the user information.
Specifically, the specific generation process of the first payment rule side in this step is similar to step S408, and is not described herein again.
On the basis of the foregoing embodiments, further, the first payment rule includes:
the first verification information: the payment terminal identification, the payment terminal user identification card identification and the service identification;
the second verification information: the auxiliary terminal identification, the payment terminal user identification card identification and the service identification;
third verification information: the auxiliary terminal identification, the auxiliary terminal user identification card identification and the service identification;
fourth authentication information: the payment terminal identification, the auxiliary terminal user identification card identification and the service identification.
Specifically, the secure payment server may generate four pieces of verification information according to the payment terminal identifier, the auxiliary terminal identifier, the payment terminal SIM card identifier, and the auxiliary terminal SIM card identifier: the first authentication information, the second authentication information, the third authentication information, and the fourth authentication information. The first payment rule comprises four pieces of verification information, and the purpose of the four pieces of verification information is to expand the application range of the first payment rule, even if the user installs the SIM card corresponding to the SIM card identifier of the auxiliary terminal to the terminal corresponding to the payment terminal identifier, or installs the SIM card corresponding to the SIM card identifier of the payment terminal to the terminal corresponding to the auxiliary terminal identifier, the user can also adopt the terminal corresponding to the payment terminal identifier and the SIM card identifier of the auxiliary terminal or the terminal corresponding to the auxiliary terminal identifier and the SIM card identifier of the payment terminal to initiate mobile payment. That is to say, any terminal that satisfies any piece of verification information in the first payment rule can use the mobile payment method provided by the embodiment of the present invention, thereby improving the convenience of mobile payment.
On the basis of the foregoing embodiments, further, the first payment rule further includes:
a first priority identifier corresponding to the first verification information, a second priority identifier corresponding to the second verification information, a third priority identifier corresponding to the third verification information, and a fourth priority identifier corresponding to the fourth verification information; the priorities corresponding to the first priority identifier, the second priority identifier, the third priority identifier and the fourth priority identifier are different from each other.
Specifically, after obtaining the first verification information, the second verification information, the third verification information and the fourth verification information of the first payment rule, the secure payment server sets a first priority identifier of the first verification information, sets a second priority identifier of the second verification information, sets a third priority identifier of the third verification information and sets a fourth priority identifier of the fourth verification information. The priorities corresponding to the first priority identifier, the second priority identifier, the third priority identifier and the fourth priority identifier are different from each other.
For example, the secure payment server sets the first priority identifier of the first authentication information to 1, sets the second priority identifier of the second authentication information to 2, sets the third priority identifier of the third authentication information to 3, sets the fourth priority identifier of the fourth authentication information to 4, where the priority corresponding to the first priority identifier 1 is higher than the priority corresponding to the second priority identifier 2, the priority corresponding to the second priority identifier 2 is higher than the priority corresponding to the third priority identifier 3, and the priority corresponding to the third priority identifier 3 is higher than the priority corresponding to the fourth priority identifier 4. When the secure payment server uses the first payment rule, the corresponding authentication information may be invoked in order of priority from high to low.
Fig. 6 is a schematic flow chart of a mobile payment method according to a sixth embodiment of the present invention, and as shown in fig. 6, on the basis of the foregoing embodiments, further, the mobile payment method according to the embodiment of the present invention further includes:
s601, the secure payment server obtains each registered terminal identification and each registered terminal user identification card identification corresponding to the user information according to the user information inquiry in a preset time period;
specifically, after the user completes the mobile payment registration process, as time goes by, due to the occurrence of situations such as replacing a used mobile phone or a mobile phone number, the identity of the registration terminal and/or the SIM card of the registration terminal under the user name of the HLR and the NGBOSS changes, that is, the identity of the registration terminal and/or the SIM card of the registration terminal corresponding to the user information changes. And the user does not update the payment terminal identification, the auxiliary terminal identification, the payment terminal SIM card identification and the auxiliary terminal SIM card identification on the safety payment server in time, so that the first payment rule corresponding to the user information is not applicable any more. In order to improve the mobile payment experience of the user, the secure payment server may access the HLR or the NGBOSS in a preset time period to obtain each registered terminal identifier and each registered terminal SIM card identifier corresponding to the user information according to the user information query. The preset time period can be set to be 1: 00-4: 00 in the morning to avoid a busy time period.
S602, if the registered terminal identifications do not include the payment terminal identification and/or the auxiliary terminal identification and/or the registered terminal user identification card identifications do not include the payment terminal user identification card identification and/or the auxiliary terminal user identification card identification, sending mobile payment registration change prompt information to the user terminal corresponding to the user information when a preset condition is met;
specifically, the secure payment server compares the payment terminal identifier and the auxiliary terminal identifier with each registered terminal identifier, and compares the payment terminal SIM card identifier and the auxiliary terminal SIM card identifier with each registered terminal SIM card identifier, if each registered terminal identifier does not include the payment terminal identifier and/or the auxiliary terminal identifier, and/or each registered terminal SIM card identifier does not include the payment terminal SIM card identifier and/or the auxiliary terminal SIM card identifier, it indicates that the registered terminal identifier and/or the registered terminal SIM card identifier corresponding to the user information in the HLR or NGBOSS has changed after the user completes the mobile payment registration process. The safety payment server can send mobile payment registration change prompt information to the terminal corresponding to the user information when preset conditions are met so as to remind the user to update the payment terminal identification, the auxiliary terminal identification, the payment terminal SIM card identification and the auxiliary terminal SIM card identification. The preset condition may be that when the terminal corresponding to the user information accesses the secure payment server or starts a mobile payment process. The user terminal may be one of the registered terminals corresponding to the respective registered terminal identifiers.
S603, receiving a mobile payment registration change request sent by the user terminal, and starting a mobile payment registration change process to update a first payment rule corresponding to the user information.
Specifically, after receiving the mobile payment registration change prompt message, the user terminal may prompt the user to view the mobile payment registration change prompt message, and when the user decides to perform mobile payment registration change, the user terminal may send a mobile payment registration change request to the secure payment server, so that a mobile payment registration change process may be started, and update of the first payment rule corresponding to the user information is realized.
For example, the mobile payment registration change process may be that the secure payment server transmits mobile payment registration change selection information to the user terminal after receiving the mobile payment registration change request, the mobile payment registration change selection information provides each registration terminal identification and each registration terminal SIM card identification corresponding to the user information, and the user selects updated payment terminal identification, payment terminal SIM card identification, auxiliary terminal identification and terminal SIM card identification from the registration terminal identification and the registration terminal SIM card identification, the user terminal sends the updated payment terminal identification, payment terminal SIM card identification, auxiliary terminal identification and auxiliary terminal SIM card identification to the secure payment server, and the safety payment server updates the first payment rule according to the updated payment terminal identification, payment terminal SIM card identification, auxiliary terminal identification and terminal SIM card identification.
On the basis of the above embodiments, further, the mobile payment method provided by the embodiment of the present invention further includes:
the safety payment server obtains each registered terminal identification and each registered terminal user identification card identification corresponding to the user information according to the user information query;
and if the registered terminal identifications comprise the payment terminal identifications and at least one standby terminal identification except the auxiliary terminal identification and the registered terminal user identification card identifications comprise the payment terminal user identification card identifications and at least one standby terminal user identification card identification except the auxiliary terminal user identification card identifications, generating a second payment rule according to the registered terminal identifications and the registered terminal user identification card identifications and corresponding the second payment rule with the user information.
Specifically, due to the terminal corresponding to the auxiliary terminal identifier and the auxiliary terminal SIM card identifier, the conditions of shutdown, failure, power failure, and the like may occur, which affects the confirmation of mobile payment. To address the above, the secure payment server may generate a second payment rule for obtaining a terminal performing mobile payment confirmation. After the secure payment server generates the first payment rule, the secure payment server can access an HLR or an NGBOSS to acquire each registered terminal identifier and each registered terminal SIM card identifier corresponding to the user information according to the user information query corresponding to the first rule. Then comparing the payment terminal identification and the auxiliary terminal identification with each registered terminal identification, respectively comparing the payment terminal SIM card identification and the auxiliary terminal SIM card identification with each registered terminal SIM card identification, if each registered terminal identification comprises at least one other terminal identification besides the payment terminal identification and the auxiliary terminal identification, and each registered terminal SIM card identification comprises at least one other terminal SIM card identification besides the payment terminal SIM card identification and the auxiliary terminal SIM card identification, then using the other terminal identification as a standby terminal identification and using the other terminal SIM card identification as a standby terminal SIM card identification, according to the payment terminal identification, the payment terminal SIM card identification, the auxiliary terminal identification, And the auxiliary terminal SIM card identification, at least one standby terminal identification and the standby terminal SIM card identification generate a second payment rule, and the second payment rule corresponds to the user information. And when the auxiliary terminal corresponding to the auxiliary terminal identifier and the auxiliary terminal SIM card identifier cannot confirm the mobile payment, the safety payment server can confirm the mobile payment by using the standby terminal meeting the second payment rule, so that the applicability of the mobile payment method is improved.
For example, when the number of the standby terminal identifiers is one and the number of the standby terminal SIM cards is one, the second payment rule includes: fifth verification information: the standby terminal identification and the standby terminal SIM card identification; sixth authentication information: the standby terminal identification and the payment terminal SIM card identification; seventh authentication information: the standby terminal identification and the auxiliary terminal SIM card identification; eighth authentication information: the payment terminal identification and the standby terminal SIM card identification; ninth authentication information: the auxiliary terminal identification and the standby terminal SIM card identification.
Similar to the generation of the first payment rule, the second payment rule includes a plurality of validation information to improve the applicability of the second payment rule. The secure payment server may set a fifth priority identifier corresponding to the fifth verification information, a sixth priority identifier corresponding to the sixth verification information, an eighth priority identifier corresponding to the eighth verification information, and a ninth priority identifier corresponding to the ninth verification information; wherein, the priorities corresponding to the fifth priority identifier, the sixth priority identifier, the seventh priority identifier, the eighth priority identifier and the ninth priority identifier are different from each other. A fifth priority flag may be set to 5, a sixth priority flag may be set to 6, a seventh priority flag may be set to 7, an eighth priority flag may be set to 8, a ninth priority flag may be set to 9, and the priorities may be sorted from high to low as: a fifth priority flag 5, a sixth priority flag 6, a seventh priority flag 7, an eighth priority flag 8, and a ninth priority flag 9.
When the secure payment server obtains two standby terminal identifications: a standby terminal identification A, a standby terminal identification B and two standby terminal SIM card identifications: when the standby terminal SIM card mark a and the standby terminal SIM card mark b are used, the second payment rule comprises the following steps: fifth verification information: a standby terminal identifier A and a standby terminal SIM card identifier a; sixth authentication information: a standby terminal identification B and a standby terminal SIM card identification B; seventh authentication information: a standby terminal identification A and the payment terminal SIM card identification; eighth authentication information: a standby terminal identification B and the payment terminal SIM card identification; ninth authentication information: a standby terminal identification A and an auxiliary terminal SIM card identification; tenth authentication information: a standby terminal identification B and an auxiliary terminal SIM card identification; eleventh authentication information: the payment terminal identification and the standby terminal SIM card identification a; twelfth authentication information: the payment terminal identification and the standby terminal SIM card identification b; thirteenth authentication information: the auxiliary terminal identification and the standby terminal SIM card identification a; fourteenth authentication information: and the auxiliary terminal identification and the standby terminal SIM card identification b.
Fig. 7 is a schematic flow chart of a mobile payment method according to a seventh embodiment of the present invention, and as shown in fig. 7, on the basis of the foregoing embodiments, further, a payment platform verification process of the first terminal includes:
s701, a network element device receives a payment platform verification request sent by a first terminal, wherein the payment platform verification request comprises a first terminal identifier, a first terminal user identity identification card identifier and a service identifier;
specifically, the first terminal needs to log in a payment platform before sending the mobile payment request to the secure payment server, and the first terminal sends a payment platform verification request to a network element device, where the payment platform verification request includes the first terminal identifier, the first terminal SIM card identifier, and the service identifier. And the payment platform identification corresponds to the payment platform one to one.
S702, the network element device acquires the user information according to the first terminal identification and/or the first terminal user identification card identification, and locally inquires and acquires a corresponding first payment rule according to the user information; wherein the first payment rule is pre-stored locally;
specifically, after receiving the payment platform verification request, the network element device accesses an HLR or an NGBOSS to obtain the user information according to the first terminal identifier and/or the first terminal SIM card identifier, and then locally queries and obtains a first payment rule corresponding to the user information and the payment platform identifier according to the user information. The first payment rules are pre-stored locally, and the first payment rules are in one-to-one correspondence with the user information.
S703, if the network element device judges that the first terminal identifier, the first terminal user identification card identifier and the service identifier meet the first payment rule, sending a payment platform verification request to a payment platform through a policy charging control server;
specifically, after obtaining the first terminal identifier, the first terminal SIM card identifier, and the service identifier, the secure payment server determines whether the first terminal identifier, the first terminal SIM card identifier, and the service identifier satisfy the first payment rule, and if the first terminal identifier and the first terminal SIM card identifier satisfy the first payment rule, sends the payment platform verification request to the payment platform through the policy charging control server, and the payment platform can receive the payment platform verification request.
For example, the first payment rule includes: the first verification information: the payment terminal identification, the payment terminal SIM card identification and the service identification; the second verification information: the auxiliary terminal identification, the payment terminal SIM card identification and the service identification; third verification information: the auxiliary terminal identification, the auxiliary terminal SIM card identification and the service identification; fourth authentication information: the payment terminal identification, the auxiliary terminal SIM card identification and the service identification. The safety payment server compares the first terminal identification, the first terminal SIM card identification and the service identification with first verification information, second verification information, third verification information and fourth verification information included in the first payment rule respectively, and if any one of the four pieces of verification information includes the first terminal identification, the first terminal SIM card identification and the service identification, the first terminal SIM card identification and the service identification meet the first payment rule.
S704, the network element device sends the payment platform verification passing information returned by the payment platform through the policy charging control server to the first terminal; wherein the payment platform verification passing information is sent after the payment platform verifies that the payment platform verification request passes.
Specifically, after receiving the payment platform verification request, the payment platform verifies the validity of the payment platform verification request, and after the payment platform verification request passes the verification, the policy charging control server sends payment platform verification passing information to the network element device, and the network element device forwards the payment platform verification passing information to the first terminal. And the first terminal receives the payment platform verification passing information, shows that the first terminal passes the verification of the payment platform, and then sends a mobile payment request to the secure payment server. The process of verifying the validity of the payment platform verification request by the payment platform is the prior art, and is not described herein again.
On the basis of the above embodiments, further, the mobile payment method provided by the embodiment of the present invention further includes:
and if the network element device judges that the first terminal identification, the first terminal user identification card identification and the service identification do not meet the first payment rule, terminating the mobile payment.
Specifically, after obtaining the first terminal identifier, the first terminal SIM card identifier, and the service identifier, the secure payment server determines whether the first terminal identifier, the first terminal SIM card identifier, and the service identifier satisfy the first payment rule, and if the first terminal identifier, the first terminal SIM card identifier, and the service identifier do not satisfy the first payment rule, it indicates that the user corresponding to the first terminal does not apply for a mobile payment service, and terminates the mobile payment, that is, the network element device does not send the payment platform verification request to the policy charging control server. Understandably, prompt information for applying for mobile payment service can be returned to the first terminal.
For example, the first payment rule includes: the first verification information: the payment terminal identification, the payment terminal SIM card identification and the service identification; the second verification information: the auxiliary terminal identification, the payment terminal SIM card identification and the service identification; third verification information: the auxiliary terminal identification, the auxiliary terminal SIM card identification and the service identification; fourth authentication information: the payment terminal identification, the auxiliary terminal SIM card identification and the service identification. The secure payment server compares the first terminal identifier, the first terminal SIM card identifier and the service identifier with first verification information, second verification information, third verification information and fourth verification information included in the first payment rule respectively, and if any one of the four pieces of verification information does not include the first terminal identifier, the first terminal SIM card identifier and the service identifier, the first terminal SIM card identifier and the service identifier do not satisfy the first payment rule.
On the basis of the above embodiments, further, the mobile payment method provided by the embodiment of the present invention further includes:
and the network element device terminates the mobile payment if the first payment rule is not acquired according to the user information and the payment platform identification.
Specifically, after the network element device acquires the user information, a first payment rule corresponding to the user information and the payment platform identifier is locally queried according to the user information, and if the first payment rule corresponding to the user information and the payment platform identifier is not queried, it indicates that the user corresponding to the first terminal does not apply for a mobile payment service, the mobile payment is terminated. Understandably, prompt information for applying for mobile payment service can be returned to the first terminal.
Fig. 8 is a schematic flow chart of a mobile payment method according to an eighth embodiment of the present invention, and as shown in fig. 8, on the basis of the foregoing embodiments, further before the network element device receives a payment platform verification request sent by the first terminal, the method further includes:
s801, the network element device receives a bearer request of the first terminal, where the bearer request includes the first terminal identifier and a subscriber identity card identifier of the first terminal;
specifically, the first terminal needs to access the mobile communication network before performing mobile payment, and the first terminal sends a bearer request to the network element device to access the mobile communication network, where the bearer request includes the first terminal identifier and the first terminal SIM card identifier. The network element means may receive the bearer request. The specific process of accessing the mobile communication network by the first terminal is the prior art, and is not described herein again.
S802, the network element device obtains the user information according to the first terminal identification and/or the first terminal user identification card identification, and sends a payment rule query request to the policy and charging control server, wherein the payment rule query request comprises the user information;
specifically, after obtaining the first terminal identifier and the first terminal SIM card identifier, the network element device may access an HLR or an NGBOSS to obtain the user information according to the first terminal identifier and/or the first terminal SIM card identifier, and then send a payment rule query request carrying the user information to the policy and charging control server. The policy charging control server may receive the payment rule query request.
S803, the network element device receives a payment rule query result returned by the policy and charging control server; if the policy charging control server queries the corresponding first payment rule according to the user information, the payment rule query result comprises the first payment rule corresponding to the user information; if the policy charging control server does not inquire the corresponding first payment rule according to the user inquiry information, the payment rule inquiry result comprises prompt information of the corresponding first payment rule which is not inquired; and the first payment rule corresponding to the user information is pushed to the policy charging control server by the secure payment server.
Specifically, after receiving the payment rule query request, the policy charging control server queries a first payment rule corresponding to the user information according to the user information, and if the first payment rule is queried, carries the first payment rule in the payment rule query result and sends the payment rule query result to the network element device; and if the first payment rule is not inquired, carrying prompt information of the corresponding first payment rule which is not inquired in the payment rule inquiry result and sending the prompt information to the network element device. The network element device may receive the payment rule query result. The first payment rule is generated by the secure payment server, and the secure payment server sends the first payment rule and user information corresponding to the first payment rule to the policy and charging control server after generating the first payment rule.
On the basis of the above embodiments, further, the payment platform verifies that the information carrying platform logs in the warning prompt.
Specifically, the policy charging control server may receive the payment platform verification passing information sent by the payment platform, add a platform login warning prompt to the payment platform verification passing information, and send the payment platform verification passing information to the network element device, and then send the payment platform verification passing information carrying the platform login warning prompt to the first terminal by the network element device.
For example, the platform login warning prompt is: "warning: if not, the user cannot use the terminal to make mobile payment, thanks to the cooperation! "inserting a warning prompt upon successful login of the payment platform is a deterrent to unauthorized use of the first terminal, and such warning is not objectionable to security-critical users.
Fig. 9 is a signaling interaction diagram of a mobile payment registration process according to a ninth embodiment of the present invention, and as shown in fig. 9, in the mobile payment method according to the embodiment of the present invention, a process of one embodiment in which the user applies for the mobile payment service from the secure payment server by using the application terminal is as follows:
a first step, in order to use the mobile payment service, the user uses the application terminal to send a mobile payment registration request to the secure payment server, wherein the mobile payment registration request comprises an application terminal identification and an application terminal SIM card identification;
secondly, the secure payment server receives the mobile payment registration request, and takes the application terminal identification as a payment terminal identification and the application terminal SIM card identification as a payment terminal SIM card identification, so that the application terminal is confirmed as a payment terminal;
thirdly, the security payment server sends a registration terminal query request to HLR/NGBOSS, wherein the registration terminal query request comprises the application terminal identification and the application terminal SIM card identification;
fourthly, the HLR/BGBOSS inquires and obtains user information corresponding to the application terminal identification and the application terminal SIM card identification according to the application terminal identification and the application terminal SIM card identification, and inquires and obtains each registered terminal information registered under the user name according to the user information, wherein the registered terminal information comprises a registered terminal identification and a registered terminal SIM card identification;
fifthly, the HLR/BGBOSS sends a registration terminal query result to the secure payment server, wherein the registration terminal query result comprises each registration terminal identifier and each registration terminal SIM card identifier;
and sixthly, the safety payment server receives the inquiry result of the registration terminal, removes the application terminal identification from the registration terminal identifications to obtain at least one fifth terminal identification, and removes the application terminal identification from the registration terminal SIM card identifications to obtain at least one fifth terminal SIM card identification. Then, taking the at least one fifth terminal identifier and the at least one fifth terminal SIM card identifier as auxiliary terminal information to be selected;
seventhly, the safety payment server sends auxiliary terminal selection information to the application terminal, wherein the auxiliary terminal selection information comprises the information of the auxiliary terminal to be selected;
eighthly, the safety payment server receives auxiliary terminal confirmation information returned by the application terminal, wherein the auxiliary terminal confirmation information comprises a fifth terminal identifier and a terminal SIM card identifier;
ninth, the secure payment server sends payment platform selection information to the application terminal, so that the user corresponding to the application terminal can respond to the payment platform selection information and select a payment platform bound with the mobile payment, and the application terminal carries a payment platform identifier bound with the user selection in payment platform confirmation information and sends the payment platform identification to the secure payment server;
tenth step, the secure payment server receives payment platform confirmation information returned by the application terminal, and binds the mobile payment with the payment platform selected by the user to be bound according to the payment platform confirmation information;
eleventh, the secure payment server generates the first payment rule according to the payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal SIM card identifier, and the service identifier, and corresponds the first payment rule to the user information;
and twelfth, the safety payment server pushes the first payment rule and the corresponding user information to a policy charging control server.
Fig. 10 is a signaling interaction diagram of a network device acquiring a first payment rule according to a tenth embodiment of the present invention, and as shown in fig. 10, in a mobile payment method according to an embodiment of the present invention, a flow of an embodiment of the network device acquiring the first payment rule is as follows:
in a first step, the user uses the first terminal to send a bearer request to the network element device to access a mobile communication network, where the bearer request includes the first terminal identifier and an SIM card identifier of the first terminal.
Secondly, the network element device receives the bearing request, and accesses an HLR/GNBOSS to obtain user information corresponding to the first terminal identifier and the first terminal SIM card identifier according to the first terminal identifier and the first terminal SIM card identifier;
thirdly, the network element device sends a payment rule query request to the policy charging control server, wherein the payment rule query request comprises the user information;
and fourthly, the policy charging control server locally inquires a first payment rule corresponding to the user information according to the user information, wherein the payment rule corresponding to the user information is pushed to the policy charging control server after the security payment server generates the first payment rule.
Fifthly, if the policy charging control server inquires a first payment rule corresponding to the user information, sending a payment rule inquiry result carrying the first payment rule to the network element device; and if the first payment rule corresponding to the user information is not inquired, sending a payment rule inquiry result carrying prompt information of the corresponding first payment rule which is not inquired to the network element device. And if the payment rule query result received by the network element device comprises the first payment rule, storing the first payment rule and the user information in a local way correspondingly.
Fig. 11 is a signaling interaction diagram of a payment platform verification process of a first terminal according to an eleventh embodiment of the present invention, and as shown in fig. 11, in a mobile payment method according to an embodiment of the present invention, a flow of an embodiment of the payment platform verification process of the first terminal is as follows:
firstly, the user firstly passes the verification of a payment platform when the user carries out mobile payment through the first terminal. The first terminal sends a payment platform verification request to the network element device, wherein the payment platform verification request comprises the first terminal identification, the first terminal SIM card identification and the service identification;
secondly, the network element device receives the payment platform verification request, then accesses an HLR/NGBOSS to obtain corresponding user information according to the first terminal identification and/or the first terminal SIM card identification, and then locally searches a first payment rule corresponding to the user information according to the user information;
thirdly, if the network element device judges and acquires the first terminal identification, the first terminal SIM card identification, the service identification and the first payment rule, verifying the first terminal, and if the first terminal identification, the first terminal SIM card identification and the service identification meet the first payment rule, the first terminal passes the verification;
fourthly, the network element device sends the payment platform verification request to a policy and charging control server;
fifthly, the policy charging control server receives the payment platform verification request and then sends the payment platform verification request to the payment platform;
sixthly, the payment platform receives the payment platform verification request and then verifies the validity of the first terminal according to the payment platform verification request; and the legality verification comprises verifying whether the first terminal can carry out the mobile payment through the payment platform.
Seventhly, after the first terminal passes the validity verification, the payment platform sends verification passing information of the payment platform to the policy charging control server;
eighthly, the policy charging control server receives the payment platform verification passing information and then sends the payment platform verification passing information to the network device;
and ninthly, the network device receives the payment platform verification passing information and then sends the payment platform verification passing information to the first terminal. The first terminal can send a mobile payment request after receiving the payment platform verification passing information.
Fig. 12 is a signaling interaction diagram of a mobile payment method according to a twelfth embodiment of the present invention, and as shown in fig. 12, a flow of an embodiment of the mobile payment method according to the present invention is as follows:
a user uses a first terminal to send a mobile payment request to a network element device, wherein the mobile payment request comprises a first terminal identifier, a first terminal SIM card identifier and a service identifier;
secondly, the network element device receives the mobile payment request and then forwards the mobile payment request to a policy charging control server;
thirdly, the policy charging control server receives the mobile payment request and then forwards the mobile payment request to a secure payment server;
fourthly, the secure payment server receives the mobile payment request, and then accesses an HLR/NGBOSS to obtain user information corresponding to a first terminal identifier and a first terminal SIM card identifier according to the mobile payment request comprising the first terminal identifier and the first terminal SIM card identifier;
fifthly, the secure payment server searches and obtains a first payment rule corresponding to the user information according to the user information;
sixthly, the safety payment server acquires a second terminal identifier and a second terminal SIM card identifier according to the first terminal identifier, the first terminal SIM card identifier, the service identifier and the first payment rule, and takes the second terminal identifier and the second terminal SIM card identifier as second terminal information; the terminal corresponding to the second terminal identifier and the second terminal SIM card identifier is a second terminal;
seventhly, the secure payment server acquires the mobile network state of the second terminal according to the second terminal information;
eighthly, if the mobile network state of the second terminal is networking, the second terminal is used as a verification terminal, and the secure payment server sends payment verification information to the policy and charging control server;
ninthly, the policy charging control server receives the payment verification information and then forwards the payment verification information to the network element device;
tenth, the network element device receives the payment verification information and then forwards the payment verification information to the verification terminal;
step ten, the verification terminal receives the payment verification information, and after obtaining the instruction of confirming payment by the user, the verification terminal carries the payment confirmation instruction in payment confirmation information and sends the payment confirmation information to the network element device;
the twelfth step, the network element device receives the payment confirmation information, and then forwards the payment confirmation information to the policy charging control server;
step thirteen, the policy charging control server receives the payment confirmation information and then forwards the payment confirmation information to the secure payment server;
and fourteenth, the secure payment server receives the payment confirmation information and then completes mobile payment according to the payment confirmation information.
Fig. 13 is a signaling interaction diagram of a mobile payment method according to a thirteenth embodiment of the present invention, and as shown in fig. 13, a flow of an embodiment of the mobile payment method according to the present invention is as follows:
a user uses a first terminal to send a mobile payment request to a network element device, wherein the mobile payment request comprises a first terminal identifier, a first terminal SIM card identifier and a service identifier;
secondly, the network element device receives the mobile payment request and then forwards the mobile payment request to a policy charging control server;
thirdly, the policy charging control server receives the mobile payment request and then forwards the mobile payment request to a secure payment server;
fourthly, the secure payment server receives the mobile payment request, and then accesses an HLR/NGBOSS to obtain user information corresponding to a first terminal identifier and a first terminal SIM card identifier according to the mobile payment request comprising the first terminal identifier and the first terminal SIM card identifier;
fifthly, the secure payment server searches and obtains a first payment rule corresponding to the user information according to the user information;
sixthly, the safety payment server acquires a second terminal identifier and a second terminal SIM card identifier according to the first terminal identifier, the first terminal SIM card identifier, the service identifier and the first payment rule, and takes the second terminal identifier and the second terminal SIM card identifier as second terminal information; the terminal corresponding to the second terminal identifier and the second terminal SIM card identifier is a second terminal;
seventhly, the secure payment server acquires the mobile network state of the second terminal according to the second terminal information;
eighthly, if the mobile network state of the second terminal is disconnected, the safety payment server accesses the HLR/NGBOSS to obtain each registered terminal identification and each registered terminal SIM card identification corresponding to the user information according to the user information, and each registered terminal identification and each registered terminal SIM card identification are used as registered terminal information;
ninthly, the secure payment server removes the first terminal identifier and the second terminal identifier from each registered terminal identifier, judges whether at least one third terminal identifier exists, removes the first terminal SIM card identifier and the second terminal SIM card identifier from each registered terminal SIM card identifier, judges whether at least one third terminal SIM card identifier exists, obtains a fourth terminal identifier and a fourth terminal SIM card identifier satisfying the second payment rule from each registered terminal and each registered terminal SIM card identifier if at least one third terminal identifier and at least one third terminal SIM card identifier exist, and uses the fourth terminal identifier and the fourth terminal SIM card identifier satisfying the second payment rule as fourth terminal information;
tenth, the secure payment server obtains a mobile network state of a fourth terminal corresponding to the fourth terminal identifier and the fourth terminal SIM card identifier according to the fourth terminal identifier and the fourth terminal SIM card identifier;
step ten, if the mobile network state of the fourth terminal is networking, the fourth terminal is used as a verification terminal, and the secure payment server sends payment verification information to the policy and charging control server;
a twelfth step in which the policy charging control server receives the payment verification information and then forwards the payment verification information to the network element device;
a thirteenth step, the network element device receives the payment verification information and then forwards the payment verification information to the verification terminal;
fourteenth, the verification terminal receives the payment verification information, and after obtaining the instruction for confirming payment by the user, carries the payment confirmation instruction in payment confirmation information and sends the payment confirmation information to the network element device;
fifteenth, the network element device receives the payment confirmation information, and then forwards the payment confirmation information to the policy and charging control server;
sixthly, the policy charging control server receives the payment confirmation information and then forwards the payment confirmation information to the secure payment server;
seventeenth, the secure payment server receives the payment confirmation information and then completes mobile payment according to the payment confirmation information.
Fig. 14 is a signaling interaction diagram of a first payment rule update according to a fourteenth embodiment of the present invention, and as shown in fig. 14, in the mobile payment method according to the embodiment of the present invention, a flow of an embodiment of the first payment rule update is as follows:
in the first step, the user changes the used mobile phone or mobile phone number without actively updating the related information of mobile payment in the secure payment server, which may result in that the user cannot use the mobile payment service and needs to update the generated first payment rule. The secure payment server can send a registration terminal query request to the HLR/NGBOSS in a preset time period, wherein the registration terminal query request comprises user information corresponding to the first payment rule;
secondly, the HLR/BGBOSS receives the inquiry request of the registered terminal and inquires and obtains the information of each registered terminal registered under the user name according to the user information, wherein the information of each registered terminal comprises the identification of each registered terminal and the identification of each registered terminal SIM card;
thirdly, the HLR/BGBOSS sends a registration terminal query result to the secure payment server, wherein the registration terminal query result comprises each registration terminal identifier and each registration terminal SIM card identifier;
fourthly, the safety payment server receives the inquiry result of the registration terminal, and then judges whether the registration terminal information comprises a payment terminal identifier, a payment terminal SIM card identifier, an auxiliary terminal identifier and an auxiliary terminal SIM card identifier in the first payment rule, if at least one of the payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal identifier and the auxiliary terminal SIM card identifier is not included in the registration terminal information, the first payment rule needs to be updated;
fifthly, when meeting preset conditions, the safety payment server sends mobile payment registration change prompt information to user equipment corresponding to the user information;
and sixthly, the user terminal receives the mobile payment registration change prompt message, and the user can send a mobile payment registration change request to the secure payment server through the user terminal after checking the mobile payment registration change prompt message.
Seventhly, the secure payment server receives the mobile payment registration change request, starts a mobile payment registration change process, and updates the first payment rule according to the payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal identifier and the auxiliary terminal SIM card identifier provided by the user again;
and eighthly, the safety payment server pushes the updated first payment rule and the user information corresponding to the first payment rule to a policy charging control server.
Fig. 15 is a signaling interaction diagram generated by a second payment rule according to a fifteenth embodiment of the present invention, and as shown in fig. 15, in the mobile payment method according to the embodiment of the present invention, a flow of an embodiment of generating the second payment rule is as follows:
in the first step, due to the terminal corresponding to the auxiliary terminal identifier and the auxiliary terminal SIM card identifier, the conditions of shutdown, failure, power failure, etc. may occur, which may affect the confirmation of mobile payment. In order to improve the applicability of the mobile payment method provided by the embodiment of the invention, after the first payment rule is generated, a second payment rule can be generated for confirming the mobile payment. The secure payment server may send a registration terminal query request to the HLR/NGBOSS at a preset time period, the registration terminal query request including user information corresponding to the first payment rule;
secondly, the HLR/BGBOSS receives the inquiry request of the registered terminal and inquires and obtains the information of each registered terminal registered under the user name according to the user information, wherein the information of each registered terminal comprises the identification of each registered terminal and the identification of each registered terminal SIM card;
thirdly, the HLR/BGBOSS sends a registration terminal query result to the secure payment server, wherein the registration terminal query result comprises each registration terminal identifier and each registration terminal SIM card identifier;
and fourthly, the safety payment server receives the inquiry result of the registration terminal and judges whether a second payment rule can be generated according to the inquiry result of the registration terminal, the payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal identifier and the auxiliary terminal SIM card identifier, and if the registration terminal identifiers comprise the payment terminal identifier and at least one standby terminal identifier except the auxiliary terminal identifier and each registration terminal SIM card identifier comprises the payment terminal SIM card identifier and at least one standby terminal SIM card identifier except the auxiliary terminal SIM card identifier, the second payment rule can be generated.
And fifthly, the safety payment server generates a second payment rule according to each registered terminal identification and each registered terminal SIM card identification, and correspondingly stores the second payment rule and the user information.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims (16)

1. A mobile payment method, comprising:
the safety payment server receives a mobile payment request, wherein the mobile payment request comprises a first terminal identification, a first terminal user identification card identification and a service identification; the mobile payment request is sent by the first terminal after verification through the payment platform;
the secure payment server acquires user information according to the first terminal identification and/or the first terminal user identification card identification, and acquires a first payment rule corresponding to the user information according to the user information; the first payment rule is generated in advance and corresponds to the user information one by one;
the secure payment server acquires a second terminal identification and a second terminal user identification card identification according to the first terminal identification, the first terminal user identification card identification, the service identification and the first payment rule;
the secure payment server acquires the mobile network state of the second terminal corresponding to the second terminal identification and the second terminal user identification card identification according to the second terminal identification and the second terminal user identification card identification;
if the secure payment server judges that the mobile network state of the second terminal is networking, the secure payment server sends payment verification information to the second terminal;
and the secure payment server receives payment confirmation information sent by the second terminal and completes mobile payment according to the payment confirmation information.
2. The method of claim 1, further comprising:
if the secure payment server judges that the mobile network state of the second terminal is the disconnected network, acquiring each registered terminal identification and each registered terminal user identification card identification corresponding to the user information according to the user information;
if the safety payment server judges that at least one third terminal identification exists after the first terminal identification and the second terminal identification are removed from each registered terminal identification, and at least one third terminal user identification card identification exists after the first terminal user identification card identification and the second terminal user identification card identification are removed from each registered terminal user identification card identification, acquiring a fourth terminal identification and a fourth terminal user identification card identification meeting the second payment rule according to each registered terminal identification, each registered terminal user identification card identification and the second payment rule; the second payment rule is generated in advance and corresponds to the user information one by one;
the safety payment server acquires the mobile network state of a fourth terminal corresponding to the fourth terminal identification and the fourth terminal user identification card identification according to the fourth terminal identification and the fourth terminal user identification card identification;
if the secure payment server judges that the mobile network state of the fourth terminal is the networking state, the secure payment server sends payment verification information to the fourth terminal;
and the secure payment server receives payment confirmation information sent by the fourth terminal and completes mobile payment according to the payment confirmation information.
3. The method of claim 2, further comprising:
and the safety payment server terminates the mobile payment if a fourth terminal identifier and a fourth terminal user identification card identifier meeting the second payment rule are not obtained according to each registered terminal identifier and each registered terminal user identification card identifier.
4. The method of claim 2, further comprising:
and if the safe payment server judges that the mobile network state of the fourth terminal is the disconnected network, the mobile payment is terminated.
5. The method of claim 1, wherein the obtaining, by the secure payment server, a second terminal identifier and a second end user identification card identifier according to the first terminal identifier, the first end user identification card identifier, the service identifier, and the first payment rule comprises:
and if the safe payment server judges that the first terminal identification, the first terminal user identification card identification and the service identification meet the first payment rule, the safe payment server acquires the second terminal identification and the second terminal user identification card identification from the first payment rule.
6. The method of claim 1, wherein before the secure payment server receives the mobile payment request, the method further comprises a mobile payment registration process comprising:
the safety payment server receives a mobile payment registration request sent by an application terminal, wherein the mobile payment registration request comprises an application terminal identifier and an application terminal user identity identification card identifier;
the secure payment server takes the application terminal identification as a payment terminal identification and the application terminal user identification card identification as a payment terminal user identification card identification, and acquires the user information according to the application terminal identification and/or the application terminal user identification card identification;
the safety payment server acquires each registered terminal identification and each registered terminal user identification card identification corresponding to the user information according to the user information;
the safety payment server removes the application terminal identification from each registered terminal identification to obtain at least one fifth terminal identification, and removes the application terminal user identification from each registered terminal user identification to obtain at least one fifth terminal user identification;
the safety payment server sends auxiliary terminal selection information to the application terminal, wherein the application terminal selection information comprises each fifth terminal identification and each fifth terminal user identification card identification;
the safety payment server receives auxiliary terminal confirmation information returned by the application terminal, wherein the auxiliary terminal confirmation information comprises an auxiliary terminal identification and an auxiliary terminal user identification card identification, the auxiliary terminal identification is one of the fifth terminal identifications, and the auxiliary terminal user identification card identification is one of the fifth terminal user identification card identifications;
the secure payment server sends payment platform selection information to the application terminal and receives payment platform confirmation information returned by the application terminal; the payment platform selection information comprises at least one payment platform identifier to be selected, and the payment platform confirmation information comprises at least one payment platform identifier for confirming binding;
and the safety payment server generates the first payment rule according to the payment terminal identification, the payment terminal user identification card identification, the auxiliary terminal user identification card identification and the service identification, and corresponds the first payment rule with the user information.
7. The method of claim 1, wherein before the secure payment server receives the mobile payment request, the method further comprises a mobile payment registration process comprising:
the safety payment server receives a mobile payment registration request sent by an application terminal, wherein the mobile payment registration request comprises an application terminal identifier and an application terminal user identity identification card identifier;
the secure payment server takes the application terminal identification as a payment terminal identification, takes the application terminal user identification card identification as a payment terminal user identification card identification, and sends auxiliary terminal acquisition information to the application terminal;
the safety payment server receives auxiliary terminal provided information returned by the application terminal, wherein the auxiliary terminal provided information comprises an auxiliary terminal identifier and an auxiliary terminal user identity identification card identifier;
the safety payment server acquires the user information according to the application terminal identification and/or the application terminal user identification card identification;
if the safe payment server judges that the payment terminal identification, the payment terminal user identification card identification, the auxiliary terminal identification and the auxiliary terminal user identification card identification correspond to the user information, sending payment platform selection information to the application terminal and receiving payment platform confirmation information returned by the application terminal; the payment platform selection information comprises at least one payment platform identification to be selected, and the payment platform confirmation information comprises at least one payment platform identification for confirming binding;
and the safety payment server generates the first payment rule according to the payment terminal identification, the payment terminal user identification card identification, the auxiliary terminal user identification card identification and the service identification, and corresponds the first payment rule with the user information.
8. The method according to claim 6 or 7, wherein the first payment rule comprises:
the first verification information: the payment terminal identification, the payment terminal user identification card identification and the service identification;
the second verification information: the auxiliary terminal identification, the payment terminal user identification card identification and the service identification;
third verification information: the auxiliary terminal identification, the auxiliary terminal user identification card identification and the service identification;
fourth authentication information: the payment terminal identification, the auxiliary terminal user identification card identification and the service identification.
9. The method of claim 8, wherein the first payment rule further comprises:
a first priority identifier corresponding to the first verification information, a second priority identifier corresponding to the second verification information, a third priority identifier corresponding to the third verification information, and a fourth priority identifier corresponding to the fourth verification information; the priorities corresponding to the first priority identifier, the second priority identifier, the third priority identifier and the fourth priority identifier are different from each other.
10. The method of claim 8, further comprising:
the safety payment server obtains each registered terminal identification and each registered terminal user identification card identification corresponding to the user information according to the user information inquiry in a preset time period;
if the fact that each registered terminal identification does not comprise the payment terminal identification and/or the auxiliary terminal identification is judged and known, and/or each registered terminal user identification card identification does not comprise the payment terminal user identification card identification and/or the auxiliary terminal user identification card identification is judged and known, mobile payment registration change prompt information is sent to a user terminal corresponding to the user information when a preset condition is met;
and receiving a mobile payment registration change request sent by the user terminal, and starting a mobile payment registration change process to update a first payment rule corresponding to the user information.
11. The method of claim 8, further comprising:
the safety payment server obtains each registered terminal identification and each registered terminal user identification card identification corresponding to the user information according to the user information query;
and if the registered terminal identifications comprise the payment terminal identifications and at least one standby terminal identification except the auxiliary terminal identification and the registered terminal user identification card identifications comprise the payment terminal user identification card identifications and at least one standby terminal user identification card identification except the auxiliary terminal user identification card identifications, generating a second payment rule according to the registered terminal identifications and the registered terminal user identification card identifications and corresponding the second payment rule with the user information.
12. The method of claim 1, wherein the payment platform validation process of the first terminal comprises:
a network element device receives a payment platform verification request sent by a first terminal, wherein the payment platform verification request comprises a first terminal identifier, a first terminal user identity identification card identifier and a service identifier;
the network element device acquires the user information according to the first terminal identification and/or the first terminal user identification card identification, and locally inquires and acquires a corresponding first payment rule according to the user information; wherein the first payment rule is pre-stored locally;
if the network element device judges that the first terminal identification, the first terminal user identification card identification and the service identification meet the first payment rule, the network element device sends a payment platform verification request to a payment platform through a policy charging control server;
the network element device sends payment platform verification passing information returned by the payment platform through the policy charging control server to the first terminal; wherein the payment platform verification passing information is sent after the payment platform verifies that the payment platform verification request passes.
13. The method of claim 12, further comprising:
and if the network element device judges that the first terminal identification, the first terminal user identification card identification and the service identification do not meet the first payment rule, terminating the mobile payment.
14. The method of claim 12, further comprising:
and the network element device terminates the mobile payment if the first payment rule is not acquired according to the user information.
15. The method of claim 12, wherein the network element device, prior to receiving the payment platform verification request sent by the first terminal, further comprises:
the network element device receives a bearing request of the first terminal, wherein the bearing request comprises the first terminal identification and the user identification card identification of the first terminal;
the network element device obtains the user information according to the first terminal identification and/or the first terminal user identification card identification, and sends a payment rule query request to the policy and charging control server, wherein the payment rule query request comprises the user information;
the network element device receives a payment rule query result returned by the policy charging control server; if the policy charging control server queries the corresponding first payment rule according to the user information, the payment rule query result comprises the first payment rule corresponding to the user information; if the policy charging control server does not inquire the corresponding first payment rule according to the user inquiry information, the payment rule inquiry result comprises prompt information of the corresponding first payment rule which is not inquired; and the first payment rule corresponding to the user information is pushed to the policy charging control server by the secure payment server.
16. The method of claim 12, wherein the payment platform verification passes an information carrying platform login warning prompt.
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