CN111242605B - Mobile payment method - Google Patents

Mobile payment method Download PDF

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Publication number
CN111242605B
CN111242605B CN201811446116.2A CN201811446116A CN111242605B CN 111242605 B CN111242605 B CN 111242605B CN 201811446116 A CN201811446116 A CN 201811446116A CN 111242605 B CN111242605 B CN 111242605B
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Prior art keywords
terminal
payment
identifier
information
user
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CN111242605A (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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Priority to CN201811446116.2A priority Critical patent/CN111242605B/en
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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 secure payment server receives a mobile payment request comprising a first terminal identifier, a first terminal SIM card identifier and a service identifier, 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, 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, acquires a 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 if the mobile network state of the second terminal is judged to be networking, transmits payment verification information to the second terminal, and receives payment confirmation information transmitted by the second terminal to complete mobile payment. The mobile payment method provided by the embodiment of the invention improves the safety 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
Mobile payment refers to the act of generating a money payment or money transfer by directly or indirectly transmitting payment information to a financial institution using a mobile phone or a communication network-based mobile terminal as a carrier at the time of transaction. Currently, mobile payment has become an important means for money payment or transfer in people's daily lives, and the mobile payment rate in internet transactions has been counted to be over 80%.
In the prior art, before mobile payment, a user first provides information about a bank card, such as a card number, a user name, a mobile phone number bound with the payment platform, and the like, to the payment platform. When mobile payment is carried out, the payment platform verifies the authenticity of the user to the financial institution according to the information such as the bank card number, the user name and the mobile phone number reserved by the bank, generates verification information and sends the verification information to the mobile phone number bound on the payment platform by the user, and the payment platform carries out payment to a third party after the user inputs correct verification reply information on a payment page. When the mobile phone of the user is lost or the mobile phone number is changed, if the user does not modify the mobile phone number bound with the payment platform in time, the situation that other people impersonate the user to pay can be caused, and the payment risk in the mobile payment process can be caused.
Therefore, how to provide a mobile payment method capable of improving the security of mobile payment is an important issue to be solved 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 method comprises the steps that a secure payment server receives a mobile payment request, wherein the mobile payment request comprises a first terminal identifier, a first terminal user identity card identifier and a service identifier; the mobile payment request is sent by the first terminal after passing the verification of the payment platform;
the secure payment server obtains user information according to the first terminal identification and/or the first terminal user identification card identification, and obtains a first payment rule corresponding to the user information according to the user information; the first payment rules are pre-generated and correspond to the user information one by one;
the secure payment server obtains a second terminal identifier and a 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;
The secure payment server obtains the mobile network state of the second terminal corresponding to the second terminal identification and the second terminal user identification according to the second terminal identification and the second terminal user identification;
if the secure payment server judges that the mobile network state of the second terminal is the networking, the secure payment server sends payment verification information to the second terminal;
and the secure payment server receives the payment confirmation information sent by the second terminal and completes mobile payment according to the payment confirmation information.
According to the mobile payment method provided by the embodiment of the invention, the secure payment server receives the mobile payment receiving request sent by the first terminal after successfully logging in the payment platform, the mobile payment request comprises the first terminal identification and the first terminal SIM card identification, then the user information is acquired according to the first terminal identification and/or the first terminal SIM card identification, the first payment rule corresponding to the user information is acquired according to the user information, then the second terminal identification and the second terminal SIM card identification are acquired according to the first terminal identification, the first terminal SIM card identification and the first payment rule, then the mobile network state of the second terminal corresponding to the second terminal identification and the second terminal SIM card identification is acquired according to the second terminal identification and the second terminal SIM card identification, after judging that the mobile network state of the second terminal is the second terminal networking, the payment verification information is sent to the second terminal, and after receiving the payment confirmation information sent by the second terminal, the mobile payment is completed according to the payment confirmation information, the second terminal identification and the second terminal SIM card identification are acquired from the first payment rule, and the second terminal identification and the second terminal SIM card identification corresponding to the second terminal identification are utilized, so that the security verification of the mobile payment is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions of the prior art, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.
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 flow chart of a mobile payment method according to a second embodiment of the present invention;
fig. 3 is a flow chart of a mobile payment method according to a third embodiment of the present invention;
fig. 4 is a flow chart of a mobile payment method according to a fourth embodiment of the present invention;
fig. 5 is a flow chart of a mobile payment method according to a fifth embodiment of the present invention;
fig. 6 is a flowchart of a mobile payment method according to a sixth embodiment of the present invention;
fig. 7 is a flow chart of a mobile payment method according to a seventh embodiment of the present invention;
fig. 8 is a 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 procedure according to a ninth embodiment of the present invention;
fig. 10 is a signaling interaction diagram of a network device according to a tenth embodiment of the present invention for acquiring a first payment rule;
fig. 11 is a signaling interaction diagram of a paymate 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 provided in a fourteenth embodiment of the present invention;
fig. 15 is a signaling interaction diagram for generating a second payment rule according to a fifteenth embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, 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 apparent that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the 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 charging control server 4, a secure payment server 5, and a payment platform, where the first terminal 1 and the second terminal 2 are connected to the network element device 3 in a mobile communication manner, 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 (Policy and Charging control, abbreviated as PCC) architecture in the LTE network, and information interactions 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 need to be forwarded or processed through the policy and charging control server 4. The fee control server 4 is communicatively connected to the secure payment server 5, the network element device 3, and the payment platform 6, respectively. The first terminal 1 is configured to initiate payment platform verification through the network element device 3, and initiate a payment request to the secure payment server 5 through the network element device 3 and the policy charging control server 4 after the payment platform verification is passed, the second terminal 2 is configured to confirm the payment request, and the secure payment server 5 completes a subsequent mobile payment process after receiving the 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 means 3 is a base station, a serving GPRS support node (Serving GPRS Support Node, SGSN for short), a GateWay GPRS support node (Gateway GPRS Support Node, GGSN for short) or a PDN GateWay (PGW for short).
Fig. 2 is a 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 provided by 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 card identifier and a service identifier; the mobile payment request is sent by the first terminal after passing the verification of the payment platform;
specifically, after the first terminal successfully logs in the payment platform, a mobile payment request may be sent to a secure payment server through a network element device and a policy charging control server, where the secure payment server may receive the mobile payment request, where the mobile payment request includes a first terminal identifier, a first terminal identity card (Subscriber Identification Module, abbreviated as SIM card) identifier, and a service identifier. Wherein the first terminal identifier uniquely corresponds to the first terminal, and the first terminal identifier may be an international mobile equipment identification code (International Mobile Equipment Identity, abbreviated as IMEI); the first terminal SIM card identifier can adopt an international mobile subscriber identity (International Mobile Subscriber Identification Number, IMSI for short) and/or a mobile phone number; the service identifier is used for indicating that mobile payment service is currently performed, and the service identifier is preset; the mobile payment request is sent by the first terminal after verification by a paymate.
S202, the secure payment server obtains user information according to the first terminal identification and/or the first terminal user identification card identification, and obtains a first payment rule corresponding to the user information according to the user information; the first payment rules are pre-generated and correspond to the user information one by one;
specifically, before the user uses the first terminal to perform mobile communication, the user needs to transact subscription procedure at the mobile operator to provide information such as an identification card number, a name, a gender and the like. After the subscriber has transacted the subscription, subscriber related information is stored in a home location register (Home Location Register, HLR) and a next generation service operation support system (Next Generation Business Operation Support System, NGBOSS). The secure payment server can 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 can obtain a first payment rule corresponding to the user information according to the user information. The first payment rules are pre-generated and correspond to the user information one by one; the user information is, for example, an identification card number of the user.
For example, the first payment rule includes: first authentication information: the payment terminal identifier, the payment terminal SIM card identifier and the service identifier; second authentication information: the auxiliary terminal identifier, the payment terminal SIM card identifier and the service identifier; third authentication information: the auxiliary terminal identifier, the auxiliary terminal SIM card identifier and the service identifier; fourth authentication information: the payment terminal identifier, the auxiliary terminal SIM card identifier and the service identifier.
S203, the secure payment server acquires a second terminal identifier and a 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;
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, from the first payment rule, 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.
For example, the first payment rule includes: first authentication information: the payment terminal identifier, the payment terminal SIM card identifier and the service identifier; second authentication information: the auxiliary terminal identifier, the payment terminal SIM card identifier and the service identifier; third authentication information: the auxiliary terminal identifier, the auxiliary terminal SIM card identifier and the service identifier; fourth authentication information: the payment terminal identifier, the auxiliary terminal SIM card identifier and the service identifier. 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, 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 identifier and the second terminal SIM card identifier.
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 according to the second terminal identification and the second terminal user identification;
specifically, after obtaining the second terminal identifier and the second terminal SIM card identifier, the secure payment server may query to 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 networking or off-network, the networking refers to that the user terminal accesses the mobile communication network, and the off-network 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 known to be networking, payment verification information is sent to the second terminal;
specifically, after obtaining the mobile network state of the second terminal, if the secure payment server determines that the mobile network state of the second terminal is the networking, that is, the second terminal is connected to the mobile communication network, the secure payment server sends payment verification information to the second terminal, and the payment verification information is transmitted to the second terminal through the policy charging control server and the network element device. The payment verification information can be sent to the second terminal in a short message mode.
S206, the secure payment server receives the 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 user corresponding to the second terminal may reply an indication of confirming payment after looking up the payment verification information, the second terminal may carry the indication of confirming payment in the payment confirmation information and send the indication of confirming payment to the secure payment server, and the secure payment server completes a subsequent mobile payment process according to the payment confirmation information, for example, the secure payment server may send a mobile payment request to the payment platform after receiving the payment confirmation information, 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 the form of a short message, where the indication of confirming payment is, for example, Y, and the payment confirmation information is set according to actual needs, which is not limited in the embodiment of the present invention. The specific process of completing the payment operation by the payment platform according to the mobile payment request is the prior art, and will not be described herein.
According to the mobile payment method provided by the invention, the secure payment server receives the mobile payment receiving request sent by the first terminal after successfully logging in the payment platform, the mobile payment request comprises the first terminal identification and the first terminal SIM card identification, then the user information is acquired according to the first terminal identification and/or the first terminal SIM card identification, the first payment rule corresponding to the user information is obtained according to the user information, then the second terminal identification and the second terminal SIM card identification are acquired according to the first terminal identification, the first terminal SIM card identification and the first payment rule, then the mobile network state of the second terminal corresponding to the second terminal identification and the second terminal SIM card identification is acquired according to the second terminal identification and the second terminal SIM card identification, after judging that the mobile network state of the second terminal is the second terminal networking, the payment verification information is sent to the second terminal, the payment process is completed after the payment verification information sent by the second terminal is received, the second terminal identification and the second terminal SIM card identification are acquired from the first payment rule, and the mobile network state corresponding to the second terminal identification and the second terminal SIM card identification is utilized, and the security is improved.
Fig. 3 is a flow chart of a mobile payment method according to a third embodiment of the present invention, as shown in fig. 3, and further, based on the foregoing embodiments, 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 a disconnected network, 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 off-network, that is, the second terminal is not connected to 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 secure payment server judges that at least one third terminal identifier exists after the first terminal identifier and the second terminal identifier are removed from each registered terminal identifier, and at least one third terminal identifier exists after the first terminal identifier and the second terminal identifier are removed from each registered terminal identifier, acquiring a fourth terminal identifier and a fourth terminal identifier which meet the second payment rule according to each registered terminal identifier, each registered terminal identifier and a second payment rule; wherein the second payment rule is pre-generated and corresponds to the user information one by one;
Specifically, after obtaining each of the registered terminal identifiers and each of the registered terminal SIM card identifiers, the secure payment server removes the first terminal identifier and the second terminal identifier from each of the registered terminal identifiers, and the remaining registered terminal identifiers are taken as third terminal identifiers, if at least one third terminal identifier exists, and removes the first terminal SIM card identifier and the second terminal SIM card identifier from each of the registered terminal SIM card identifiers, and the remaining registered terminal SIM card identifiers are taken as third terminal SIM card identifiers, and if at least one third terminal SIM card identifier exists, the secure payment server may obtain fourth terminal identifiers and fourth terminal SIM card identifiers satisfying the second payment rule according to each of the registered terminal identifiers and each of the registered terminal SIM card identifiers and the second payment rule. The secure payment server may obtain the second payment rules according to the user information, where the second payment rules are pre-generated, and the second payment rules are in one-to-one correspondence with the user information. It may be appreciated 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 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 authentication information: spare terminal identification 003 and spare terminal SIM card identification 138 1020; sixth authentication information: spare terminal identification 003 and payment terminal SIM card identification 135 1020; seventh authentication information: spare terminal identification 003 and auxiliary terminal SIM card identification 150 1020; eighth authentication information: payment terminal identification 001 and standby terminal SIM card identification 138 1020; ninth authentication information: auxiliary terminal identity 002 and spare terminal SIM card identity 138 1020. The secure payment server obtains the third terminal identifier 003 and the third terminal SIM card identifier 138. The secure payment server compares the third terminal identifier 003 and the third terminal SIM card identifier 138 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 can determine that the standby terminal identifier and the third terminal identifier in the fifth verification information are 003, and the standby terminal SIM card identifier and the third terminal SIM card identifier in the fifth verification information are 138 and 1020, so that the third terminal identifier 003 and the third terminal SIM card identifier satisfy the second payment rule, the third terminal identifier 003 is used as a fourth terminal identifier, and the third terminal SIM card identifier 138 is used as a fourth terminal SIM card identifier.
S304, the secure payment server acquires the mobile network state of the fourth terminal corresponding to the fourth terminal identification and the fourth terminal user identification according to the fourth terminal identification and the fourth terminal user identification;
specifically, after obtaining the fourth terminal identifier and the fourth terminal SIM card identifier, the secure payment server may query for obtaining 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, payment verification information is sent to the fourth terminal;
specifically, after obtaining the mobile network state of the fourth terminal, if the secure payment server determines that the mobile network state of the fourth terminal is networking, that is, the fourth terminal accesses to the mobile communication network, the secure payment server sends payment verification information to the fourth terminal, and the payment verification information is transmitted to the fourth terminal through the policy charging control server and the network element device. The payment verification information may be sent to the fourth terminal in the form of a short message.
S306, the secure payment server receives the payment confirmation information sent by the fourth terminal, and mobile payment is completed according to the payment confirmation information.
Specifically, after receiving the payment verification information, the user corresponding to the second terminal may reply an indication of confirming payment after looking up the payment verification information, the second terminal may carry the indication of confirming payment in the payment confirmation information and send the indication of confirming payment 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 the form of a short message, where the indication of confirming payment is, for example, Y, and the payment confirmation information is set according to actual needs, which is not limited in the embodiment of the present invention.
On the basis of the above embodiments, the mobile payment method provided by the present invention further includes:
and the secure payment server terminates the mobile payment if the secure payment server does not acquire the fourth terminal identification and the fourth terminal identification meeting the second payment rule according to each registered terminal identification and each registered terminal user identification card identification.
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 removes the first terminal SIM card identifier and the second terminal SIM card identifier from each registered terminal SIM card identifier, and does not exist, the secure payment server indicates that payment verification information cannot be sent to a corresponding terminal for verification, and then the mobile payment is terminated. And a prompt message for terminating the mobile payment can be returned to the first terminal, and the corresponding terminal which does not receive the payment verification message is informed.
For example, the second payment rule is: fifth authentication information: spare terminal identification 003 and spare terminal SIM card identification 138 1020; sixth authentication information: spare terminal identification 003 and payment terminal SIM card identification 135 1020; seventh authentication information: spare terminal identification 003 and auxiliary terminal SIM card identification 150 1020; eighth authentication information: payment terminal identification 001 and standby terminal SIM card identification 138 1020; ninth authentication information: auxiliary terminal identity 002 and spare terminal SIM card identity 138 1020. The secure payment server obtains the third terminal identifier 004 and the third terminal SIM card identifier 138 1121. The secure payment server compares the third terminal identifier 004 and the third terminal SIM card identifier 138 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 can determine that any verification information does not include the third terminal identifier 004 and the third terminal SIM card identifier 138 simultaneously, and then 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, the mobile payment method provided by the present invention further includes:
and if the secure payment server judges that the mobile network state of the fourth terminal is known to be disconnected, terminating the mobile payment.
Specifically, after obtaining the mobile network state of the fourth terminal, if the secure payment server determines that the mobile network state of the fourth terminal is the disconnected network, that is, the fourth terminal is not connected to the mobile communication network, which indicates that the payment verification information cannot be sent to the fourth terminal for verification, the secure payment server terminates the mobile payment. The prompt message for terminating the mobile payment can be returned to the first terminal, and the fourth terminal is informed that the mobile communication network is not accessed, and the payment verification message can not be received.
Based on the above embodiments, further, the secure payment server obtaining the second terminal identifier and the second terminal identifier according to the first terminal identifier, the service identifier, and the first payment rule includes:
and if the secure payment server judges that the first terminal identifier, the first terminal user identification card identifier and the service identifier meet the first payment rule, acquiring the second terminal identifier and the second terminal user identification card identifier 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 meet the first payment rule, and if the first terminal identifier and the first terminal SIM card identifier meet 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: first authentication information: the payment terminal identifier, the payment terminal SIM card identifier and the service identifier; second authentication information: the auxiliary terminal identifier, the payment terminal SIM card identifier and the service identifier; third authentication information: the auxiliary terminal identifier, the auxiliary terminal SIM card identifier and the service identifier; fourth authentication information: the payment terminal identifier, the auxiliary terminal SIM card identifier and the service identifier. 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, 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 identifier and the second terminal SIM card identifier.
Fig. 4 is a flow chart of a mobile payment method according to a fourth embodiment of the present invention, as shown in fig. 4, further including a mobile payment registration procedure before the secure payment server receives a mobile payment request, where the mobile payment registration procedure 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, the user needs to provide relevant information and apply for mobile payment service before making mobile payment through the secure payment server. In order to apply for the mobile payment service, the user may send a mobile payment registration request through the application terminal, where the mobile payment registration request includes an application terminal identifier and an application terminal SIM card identifier. The application terminal is a smart phone or a tablet personal computer. The application terminal identifier is IMEI, and the first terminal SIM card identifier can adopt IMSI and/or mobile phone number.
S402, the secure payment server takes the application terminal identifier as a payment terminal identifier and takes the application terminal user identification card identifier as a payment terminal user identification card identifier, and acquires the user information according to the application terminal identifier and/or the application terminal user identification card identifier;
Specifically, after obtaining the application terminal identifier and the application terminal SIM card identifier, the secure payment server takes the application terminal identifier as a payment terminal identifier, and takes the application terminal SIM card identifier as a payment terminal SIM card identifier. The secure payment server can access an HLR or an NGBOSS to acquire 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 identifier corresponding to the user information and each registered terminal user identity identification card identifier 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. The registration terminal identification and the registration terminal SIM card identification are stored corresponding to the user information after the user successfully handles the subscription 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 goes out the application terminal user identification card identification from each registered terminal user identification card identification to obtain at least one fifth terminal user identification card 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 is not obtained, the mobile payment registration process is ended, and a registration termination prompt message can be returned to the application terminal.
S405, the secure payment server sends auxiliary terminal selection information to the application terminal, wherein the application terminal selection information comprises each fifth terminal identifier and each fifth terminal user identification card identifier;
specifically, after obtaining each fifth terminal identifier and each 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 secure payment server receives auxiliary terminal confirmation information returned by the application terminal, wherein the auxiliary terminal confirmation information comprises auxiliary terminal identifications and auxiliary terminal user identification card identifications, the auxiliary terminal identifications are one of the fifth terminal identifications, and the auxiliary terminal user identification card identifications are one of the fifth terminal user identification card identifications;
specifically, after receiving each fifth terminal identifier and each fifth terminal SIM card identifier, the application terminal may display each fifth terminal identifier and each fifth terminal SIM card identifier, so that the user may select one fifth terminal identifier from each fifth terminal identifier as an auxiliary terminal identifier and select one fifth terminal SIM card identifier from each fifth terminal SIM card identifier as an auxiliary terminal SIM card identifier, and the application terminal detects the auxiliary terminal identifier and the auxiliary terminal SIM card identifier selected by the user, carries the auxiliary terminal identifier and the auxiliary terminal SIM card identifier in the auxiliary terminal confirmation information, and sends the auxiliary terminal identifier and the auxiliary terminal SIM card identifier to the secure payment server, where the secure payment server may 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 to be bound;
specifically, after receiving the auxiliary terminal confirmation information, the secure payment server 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. Wherein, the payment platform identifications are in one-to-one correspondence with the payment platforms; 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 to be bound; the specific process of binding the mobile payment with the payment platform by the secure payment server is the prior art, and will not be described here.
S408, the secure payment server generates the first payment rule according to the payment terminal identifier, the payment terminal user identification card identifier, the auxiliary terminal user identification card identifier and the service identifier, and corresponds the first payment rule to the user information.
Specifically, after the secure payment server obtains 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 first payment rule is generated, the secure payment server may push the first payment rule and the corresponding user information to the policy charging control server.
For example, the first payment rule includes: first authentication information: the payment terminal identifier, the payment terminal SIM card identifier and the service identifier; second authentication information: the auxiliary terminal identifier, the payment terminal SIM card identifier and the service identifier; third authentication information: the auxiliary terminal identifier, the auxiliary terminal SIM card identifier and the service identifier; fourth authentication information: the payment terminal identifier, the auxiliary terminal SIM card identifier and the service identifier. The service identifier is a unique identifier corresponding to the mobile payment service.
Fig. 5 is a flow chart of a mobile payment method according to a fifth embodiment of the present invention, as shown in fig. 5, further including a mobile payment registration procedure before the secure payment server receives a mobile payment request, where the mobile payment registration procedure 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, the user needs to provide relevant information and apply for mobile payment service before making mobile payment through the secure payment server. In order to apply for the mobile payment service, the user may send a mobile payment registration request through the application terminal, where the mobile payment registration request includes an application terminal identifier and an application terminal SIM card identifier. The application terminal is a smart phone or a tablet personal computer. The application terminal identifier is IMEI, and the first terminal SIM card identifier can adopt IMSI and/or mobile phone number.
S502, the secure payment server takes the application terminal identifier as a payment terminal identifier, takes the application terminal user identification card identifier as a payment terminal user identification card identifier, and sends auxiliary terminal acquisition information to the application terminal;
Specifically, after obtaining the application terminal identifier and the application terminal SIM card identifier, the secure payment server takes the application terminal identifier as a payment terminal identifier, takes the application terminal SIM card identifier as a payment terminal SIM card identifier, and sends auxiliary terminal acquisition information to the application terminal, wherein the auxiliary terminal acquisition information is used for acquiring the auxiliary terminal identifier and the auxiliary terminal SIM card identifier. The application terminal can receive the auxiliary terminal acquisition information.
S503, the secure payment server receives auxiliary terminal providing information returned by the application terminal, wherein the auxiliary terminal providing information comprises an auxiliary terminal identifier and an auxiliary terminal user identity identification card identifier;
specifically, after receiving the auxiliary terminal acquisition information, the application terminal may prompt 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, carry the auxiliary terminal identifier and the auxiliary terminal SIM card identifier in auxiliary terminal providing information and send the auxiliary terminal identifier and the auxiliary terminal SIM card identifier to the secure payment server. The secure payment server may receive the auxiliary terminal providing information.
S504, the secure payment server acquires 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 ngbos 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 identifier of a candidate rule, and the payment platform confirmation information comprises at least one payment platform identifier for confirming binding;
specifically, after obtaining the user information, the secure payment server may obtain, according to the user information, each registration terminal identifier and each registration terminal SIM card identifier corresponding to the user information, and if each registration terminal identifier includes the payment terminal identifier and the auxiliary terminal identifier, and each registration terminal SIM card identifier includes the payment terminal SIM card identifier and the auxiliary terminal SIM card identifier, the payment terminal SIM card identifier, the auxiliary terminal identifier, and the auxiliary terminal SIM card identifier correspond to the user information, and 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, and the application terminal may send the payment platform identifier bound to the mobile payment selection to the secure payment server in payment platform confirmation information, and may send the payment platform bound to the mobile payment selection to the payment platform according to the payment platform confirmation information. Wherein, the payment platform identifications are in one-to-one correspondence with the payment platforms; 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 to be bound;
S506, the secure payment server generates the first payment rule according to the payment terminal identifier, the payment terminal user identification card identifier, the auxiliary terminal user identification card identifier and the service identifier, and corresponds the first payment rule to the user information.
Specifically, the specific generation process of the first payment rule side in this step is similar to step S408, and will not be described here.
On the basis of the foregoing embodiments, further, the first payment rule includes:
first authentication information: the payment terminal identifier, the payment terminal user identification card identifier and the service identifier;
second authentication information: the auxiliary terminal identifier, the payment terminal user identification card identifier and the service identifier;
third authentication information: the auxiliary terminal identifier, the auxiliary terminal user identity card identifier and the service identifier;
fourth authentication information: the payment terminal identifier, the auxiliary terminal user identification card identifier and the service identifier.
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: first authentication information, second authentication information, third authentication information, and fourth authentication information. The purpose of the first payment rule including 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 auxiliary terminal SIM card identifier to the terminal corresponding to the payment terminal identifier, or installs the SIM card corresponding to the payment terminal SIM card identifier to the terminal corresponding to the auxiliary terminal identifier, the user may initiate mobile payment by using the terminal corresponding to the payment terminal identifier and the auxiliary terminal SIM card identifier or the terminal corresponding to the auxiliary terminal identifier and the payment terminal SIM card identifier. That is, any terminal satisfying the first payment rule may 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 a first priority identifier of the first authentication information to 1, sets a second priority identifier of the second authentication information to 2, sets a third priority identifier of the third authentication information to 3, sets a fourth priority identifier of the fourth authentication information to 4, 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 first payment rule is used, the secure payment server can call corresponding verification information according to the order of priority from high to low.
Fig. 6 is a flow chart of a mobile payment method according to a sixth embodiment of the present invention, as shown in fig. 6, further, based on the foregoing embodiments, the mobile payment method according to the embodiment of the present invention further includes:
s601, the secure payment server obtains each registered terminal identifier and each registered terminal user identity identification card identifier corresponding to the user information according to the user information inquiry in a preset time period;
specifically, after the mobile payment registration process is completed, the user changes the registration terminal and/or the registration terminal SIM card identifier under the user name in the HLR and the ngbos due to the situation of changing the used mobile phone or the mobile phone number and the like over time, that is, the registration terminal and/or the registration terminal SIM card identifier corresponding to the user information changes. And the user does not update the payment terminal identifier, the auxiliary terminal identifier, the payment terminal SIM card identifier and the auxiliary terminal SIM card identifier on the secure payment server in time, so that the first payment rule corresponding to the user information is not applicable any more. In order to improve mobile payment experience of the user, the secure payment server can access an HLR or an 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 early morning so as to avoid a busy time period.
S602, if judging that each registered terminal identifier does not comprise the payment terminal identifier and/or the auxiliary terminal identifier, and/or each registered terminal user identifier does not comprise the payment terminal user identifier and/or the auxiliary terminal user identifier, sending mobile payment registration change prompt information to a 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 is indicated that after the user completes the mobile payment registration procedure, the registered terminal identifier and/or the registered terminal SIM card identifier corresponding to the user information in the HLR or the NGBOSS are changed. The secure payment server may send mobile payment registration change prompt information to a terminal corresponding to the user information when a preset condition is satisfied, so as to prompt the user to update the payment terminal identifier, the auxiliary terminal identifier, the payment terminal SIM card identifier and the auxiliary terminal SIM card identifier. The preset condition may be 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 information, the user terminal may prompt the user to view the mobile payment registration change prompt information, and when deciding to perform mobile payment registration change, the user may send a mobile payment registration change request to the secure payment server through the user terminal, so as to start a mobile payment registration change process, and update the first payment rule corresponding to the user information.
For example, the mobile payment registration change process may be that the secure payment server sends mobile payment registration change selection information to the user terminal after receiving the mobile payment registration change request, where the mobile payment registration change selection information provides each of the registered terminal identifiers and each of the registered terminal SIM card identifiers corresponding to the user information, so that the user selects an updated payment terminal identifier, a payment terminal SIM card identifier, an auxiliary terminal identifier, and a terminal SIM card identifier from the registered terminal identifiers, and the user terminal sends the updated payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal identifier, and the auxiliary terminal SIM card identifier to the secure payment server, and the secure payment server updates the first payment rule according to the updated payment terminal identifier, the updated payment terminal SIM card identifier, the auxiliary terminal identifier, and the terminal SIM card identifier.
On the basis of the above embodiments, the mobile payment method provided by the embodiment of the present invention further includes:
the secure payment server obtains each registered terminal identifier and each registered terminal user identification card identifier corresponding to the user information according to the user information inquiry;
and if judging that each registered terminal identifier comprises at least one standby terminal identifier except the payment terminal identifier and the auxiliary terminal identifier, and each registered terminal user identifier comprises at least one standby terminal user identifier except the payment terminal user identifier and the auxiliary terminal user identifier, generating a second payment rule according to each registered terminal identifier and each registered terminal user identifier, and corresponding the second payment rule to the user information.
Specifically, because the auxiliary terminal identifier and the terminal corresponding to the auxiliary terminal SIM card identifier may be powered off, malfunction, power failure, and the like, which may affect confirmation of mobile payment. To cope with the above situation, the secure payment server may generate a second payment rule for obtaining a terminal for mobile payment confirmation. After the first payment rule is generated, the secure payment server can access an HLR or an NGBOSS to obtain 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. And 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 respectively, generating a second payment rule according to the payment terminal identification, the payment terminal SIM card identification, the auxiliary terminal SIM card identification, at least one standby terminal identification and the standby terminal SIM card identification if each registered terminal identification comprises at least one other terminal identification except the payment terminal identification and the auxiliary terminal identification and comprises at least one other terminal SIM card identification except the payment terminal SIM card identification and the auxiliary terminal SIM card identification, and corresponding the second payment rule with the user information. When the auxiliary terminal corresponding to the auxiliary terminal identifier and the auxiliary terminal SIM card identifier cannot carry out mobile payment confirmation, the secure payment server can carry out mobile payment confirmation 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 standby terminal is identified as one and the standby terminal SIM card is identified as one, the second payment rule includes: fifth authentication information: the standby terminal identifier and the standby terminal SIM card identifier; sixth authentication information: the standby terminal identifier and the payment terminal SIM card identifier; seventh authentication information: the standby terminal identifier and the auxiliary terminal SIM card identifier; eighth authentication information: the payment terminal identifier and the standby terminal SIM card identifier; ninth authentication information: the auxiliary terminal identifier and the standby terminal SIM card identifier.
Similar to the generation of the first payment rule, the second payment rule includes a plurality of validation information to enhance 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; 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 in corresponding priority. The fifth priority identifier may be set to 5, the sixth priority identifier to 6, the seventh priority identifier to 7, the eighth priority identifier to 8, the ninth priority identifier to 9, and the priority ranking from high to low is: a fifth priority identifier 5, a sixth priority identifier 6, a seventh priority identifier 7, an eighth priority identifier 8 and a ninth priority identifier 9.
When the secure payment server obtains two standby terminal identifiers: a standby terminal identifier A and a standby terminal identifier B, and two standby terminal SIM card identifiers: when the standby terminal SIM card identifier a and the standby terminal SIM card identifier b are used, the second payment rule comprises: fifth authentication information: a standby terminal identifier A and a standby terminal SIM card identifier a; sixth authentication information: a standby terminal identifier B and a standby terminal SIM card identifier B; seventh authentication information: a standby terminal identifier A and the payment terminal SIM card identifier; eighth authentication information: a standby terminal identifier B and the payment terminal SIM card identifier; ninth authentication information: a standby terminal identifier A and the auxiliary terminal SIM card identifier; tenth authentication information: a standby terminal identifier B and the auxiliary terminal SIM card identifier; eleventh authentication information: the payment terminal identifier and the standby terminal SIM card identifier a; twelfth authentication information: the payment terminal identifier and the standby terminal SIM card identifier b; thirteenth authentication information: the auxiliary terminal identifier and the standby terminal SIM card identifier a; fourteenth authentication information: the auxiliary terminal identifier and the standby terminal SIM card identifier b.
Fig. 7 is a flow chart of a mobile payment method according to a seventh embodiment of the present invention, as shown in fig. 7, further, based on the foregoing embodiments, 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 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. Wherein, the payment platform identification corresponds to the payment platform one by one.
S702, the network element device obtains the user information according to the first terminal identification and/or the first terminal user identification card identification, and obtains a corresponding first payment rule in a local query 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 obtains a first payment rule corresponding to the user information and the payment platform identifier by local inquiry according to the user information. The first payment rules are stored locally in advance, 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 identity identification card identifier and the service identifier meet the first payment rule, sending the payment platform verification request to a payment platform through a policy and charging control server;
specifically, after the secure payment server obtains the first terminal identifier, the first terminal SIM card identifier and the service identifier, it determines whether the first terminal identifier, the first terminal SIM card identifier and the service identifier satisfy the first payment rule, if the first terminal identifier and the first terminal SIM card identifier satisfy the first payment rule, the secure payment server sends the payment platform verification request to the payment platform through the policy charging control server, and the payment platform may receive the payment platform verification request.
For example, the first payment rule includes: first authentication information: the payment terminal identifier, the payment terminal SIM card identifier and the service identifier; second authentication information: the auxiliary terminal identifier, the payment terminal SIM card identifier and the service identifier; third authentication information: the auxiliary terminal identifier, the auxiliary terminal SIM card identifier and the service identifier; fourth authentication information: the payment terminal identifier, the auxiliary terminal SIM card identifier and the service identifier. 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.
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; the payment platform verification passing information is sent after the payment platform verification request passes.
Specifically, after the payment platform receives the payment platform verification request, verifying the validity of the payment platform verification request, and after the payment platform verification request passes the verification, sending payment platform verification passing information to the network element device through the policy charging control server, wherein the network element device forwards the payment platform verification passing information to the first terminal. And the first terminal receives the verification passing information of the payment platform, indicates that the first terminal passes the verification of the payment platform, and then sends a mobile payment request to the secure payment server. The validity verification process of the payment platform verification request by the payment platform is in the prior art, and is not described herein.
On the basis of the above embodiments, 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 identifier, the first terminal user identity identification card identifier and the service identifier do not meet the first payment rule, terminating the mobile payment.
Specifically, after the secure payment server obtains the first terminal identifier, the first terminal SIM card identifier and the service identifier, it determines whether the first terminal identifier, the first terminal SIM card identifier and the service identifier meet the first payment rule, if the first terminal identifier, the first terminal SIM card identifier and the service identifier do not meet the first payment rule, it indicates that a user corresponding to the first terminal does not apply for a mobile payment service, the mobile payment is terminated, that is, the network element device does not send the payment platform verification request to the policy charging control server. It can be understood that the prompt information for applying the mobile payment service may be returned to the first terminal.
For example, the first payment rule includes: first authentication information: the payment terminal identifier, the payment terminal SIM card identifier and the service identifier; second authentication information: the auxiliary terminal identifier, the payment terminal SIM card identifier and the service identifier; third authentication information: the auxiliary terminal identifier, the auxiliary terminal SIM card identifier and the service identifier; fourth authentication information: the payment terminal identifier, the auxiliary terminal SIM card identifier and the service identifier. 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 meet the first payment rule.
On the basis of the above embodiments, 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 identifier.
Specifically, after the network element device obtains the user information, the network element device locally queries a first payment rule corresponding to the user information and the payment platform identifier according to the user information, and if the first payment rule corresponding to the user information and the payment platform identifier is not queried, the user corresponding to the first terminal does not apply for mobile payment service, the mobile payment is terminated. It can be understood that the prompt information for applying the mobile payment service may be returned to the first terminal.
Fig. 8 is a flow chart of a mobile payment method according to an eighth embodiment of the present invention, as shown in fig. 8, further, based on the above embodiments, the method further includes, before receiving a payment platform verification request sent by the first terminal, the network element device:
s801, the network element device receives a bearing request of the first terminal, wherein the bearing request comprises the first terminal identifier and a user identity identification card identifier of the first terminal;
Specifically, before mobile payment is performed, the first terminal needs to access the mobile communication network, and the first terminal sends a bearer request to the network element device to access the mobile communication network, wherein the bearer request comprises the first terminal identifier and the first terminal SIM card identifier. The network element device may receive the bearer request. The specific process of the first terminal accessing the mobile communication network is the prior art, and will not be described herein.
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 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 ngbos 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 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 charging control server; if the policy charging control server inquires a corresponding first payment rule according to the user information, the payment rule inquiry 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 that the corresponding first payment rule is not found; wherein, 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, the first payment rule is carried in the payment rule query result and is sent to the network element device; and if the first payment rule is not queried, carrying prompt information of the first payment rule which is not queried correspondingly in the payment rule query 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 warning prompt is logged in through the information carrying platform.
Specifically, the policy charging control server may receive the payment platform verification passing information sent by the payment platform, then add a platform login warning prompt to the payment platform verification passing information and send the information to the network element device, and then the network element device sends the payment platform verification passing information carrying the platform login warning prompt to the first terminal.
For example, the platform login warning prompt is: "alert: if not, the mobile payment cannot be carried out by using the terminal, the thank you cooperate-! By inserting a warning prompt when the paymate login is successful, this is a deterrent to the unauthorized person using the first terminal and is not objectionable to the security-critical user.
Fig. 9 is a signaling interaction diagram of a mobile payment registration process provided by a ninth embodiment of the present invention, as shown in fig. 9, in a mobile payment method provided by the embodiment of the present invention, a process of applying, by the user, the mobile payment service to the secure payment server by using the application terminal is as follows:
Firstly, 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 identifier and an application terminal SIM card identifier;
the second step, the secure payment server receives the mobile payment registration request, takes the application terminal identifier as a payment terminal identifier and takes the application terminal SIM card identifier as a payment terminal SIM card identifier, so that the application terminal is confirmed as a payment terminal;
thirdly, the secure payment server sends a registration terminal inquiry request to the HLR/NGBOSS, wherein the registration terminal inquiry request comprises the application terminal identification and the application terminal SIM card identification;
fourth, HLR/BGBOSS 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 obtains each piece of registered terminal information registered under the user name according to the user information inquiry, 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 inquiry result to the secure payment server, wherein the registration terminal inquiry result comprises each registration terminal identifier and each registration terminal SIM card identifier;
And sixthly, the secure payment server receives the inquiry result of the registered terminal, removes the application terminal identifier from each registered terminal identifier, obtains at least one fifth terminal identifier, and outputs the application terminal SIM card identifier from each registered terminal SIM card identifier to obtain at least one fifth terminal SIM card identifier. Then the at least one fifth terminal identifier and the at least one fifth terminal SIM card identifier are used as auxiliary terminal information to be selected;
seventh, the secure payment server sends auxiliary terminal selection information to the application terminal, wherein the auxiliary terminal selection information comprises auxiliary terminal information to be selected;
eighth step, the secure 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 to select a payment platform bound with the mobile payment, and the application terminal carries the payment platform identification bound by the user selection in payment platform confirmation information and sends the payment platform identification to the secure payment server;
Tenth, the secure payment server receives payment platform confirmation information returned by the application terminal, and binds the mobile payment with the payment platform selected to be bound by the user according to the payment platform confirmation information;
eleventh step, 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 step, the secure 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, as shown in fig. 10, in a mobile payment method according to an embodiment of the present invention, a flow of one embodiment of acquiring the first payment rule by the network device is as follows:
the first step, the user uses the first terminal to send a bearing request to the network element device to access a mobile communication network, wherein the bearing request comprises the first terminal identification and the SIM card identification of the first terminal.
The network element device receives the bearing request, accesses HLR/GNBOSS and obtains user information corresponding to the first terminal identification and the first terminal SIM card identification according to the first terminal identification and the first terminal SIM card identification;
third step, 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 and 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 and 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 queried, sending a payment rule query result carrying prompt information of the first payment rule which is not queried to the network element device. And if the first payment rule is included in the payment rule query result received by the network element device, storing the first payment rule and the user information in a local mode.
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, as shown in fig. 11, in a mobile payment method according to an embodiment of the present invention, a flow of one embodiment of the payment platform verification process of the first terminal is as follows:
firstly, when the user carries out mobile payment through the first terminal, the user firstly passes through the verification of the payment platform. The first terminal sends a payment platform verification request to the network element device, wherein the payment platform verification request comprises the first terminal identifier, the first terminal SIM card identifier and the service identifier;
the network element device receives the payment platform verification request, accesses the HLR/NGBOSS to obtain corresponding user information according to the first terminal identification and/or the first terminal SIM card identification query, and then searches a first payment rule corresponding to the user information locally according to the user information;
thirdly, if judging that the first terminal identifier, the first terminal SIM card identifier, the service identifier and the first payment rule are obtained, the network element device verifies the first terminal, and if the first terminal identifier, the first terminal SIM card identifier and the service identifier meet the first payment rule, the first terminal passes the verification;
Step four, the network element device sends the payment platform verification request to a policy 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; the validity verification comprises verification of whether the first terminal can conduct mobile payment through the payment platform.
Seventh, after the first terminal passes the validity verification, the payment platform sends the verification passing information of the payment platform to the policy charging control server;
eighth step, 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 ninth, 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 may send a mobile payment request after receiving the paymate verification pass information.
Fig. 12 is a signaling interaction diagram of a mobile payment method according to a twelfth embodiment of the present invention, as shown in fig. 12, a flow of one embodiment of the mobile payment method according to the embodiment of the present invention is as follows:
the method comprises the steps that 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;
the second step, 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;
the fourth step, the secure payment server receives the mobile payment request, and then accesses HLR/NGBOSS to obtain user information corresponding to the first terminal identification and the first terminal SIM card identification according to the mobile payment request including the first terminal identification and the first terminal SIM card identification;
fifthly, the secure payment server searches and obtains a first payment rule corresponding to the user information according to the user information;
sixth, the secure payment server obtains 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;
Seventh, the secure payment server obtains the mobile network state of the second terminal according to the second terminal information;
eighth step, 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 charging control server;
ninth, 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;
eleventh step, the verification terminal receives the payment verification information, and after obtaining the indication that the user confirms payment, the verification payment indication is carried in payment verification information and sent to the network element device;
twelfth, the network element device receives the payment confirmation information and then forwards the payment confirmation information to the policy charging control server;
thirteenth, the policy charging control server receives the payment confirmation information and then forwards the payment confirmation information to the secure payment server;
And fourteenth step, 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, as shown in fig. 13, a flow of one embodiment of the mobile payment method according to the embodiment of the present invention is as follows:
the method comprises the steps that 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;
the second step, 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;
the fourth step, the secure payment server receives the mobile payment request, and then accesses HLR/NGBOSS to obtain user information corresponding to the first terminal identification and the first terminal SIM card identification according to the mobile payment request including the first terminal identification and the first terminal SIM card identification;
Fifthly, the secure payment server searches and obtains a first payment rule corresponding to the user information according to the user information;
sixth, the secure payment server obtains 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;
seventh, the secure payment server obtains the mobile network state of the second terminal according to the second terminal information;
eighth step, if the mobile network state of the second terminal is off-line, the secure payment server accesses HLR/NGBOSS to obtain each registered terminal identifier and each registered terminal SIM card identifier corresponding to the user information according to the user information, and takes each registered terminal identifier and each registered terminal SIM card identifier as registered terminal information;
a ninth step, in which the secure payment server removes the first terminal identifier and the second terminal identifier from each of the registered terminal identifiers, determines whether at least one third terminal identifier exists, removes the first terminal SIM card identifier and the second terminal SIM card identifier from each of the registered terminal SIM card identifiers, determines whether at least one third terminal SIM card identifier exists, and if at least one third terminal identifier and at least one third terminal SIM card identifier exist, obtains a fourth terminal identifier and a fourth terminal SIM card identifier satisfying the second payment rule from each of the registered terminal and each of the registered terminal SIM card identifiers, 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 the mobile network state of the 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;
eleventh step, if the mobile network state of the fourth terminal is networking, using the fourth terminal as a verification terminal, and the secure payment server sends payment verification information to the policy charging control server;
twelfth, the policy charging control server receives the payment verification information and then forwards the payment verification information to the network element device;
thirteenth step, the network element device receives the payment verification information and then forwards the payment verification information to the verification terminal;
fourteenth step, the verification terminal receives the payment verification information, and after obtaining the indication of the user for confirming payment, the indication of confirming payment is carried in payment confirmation information and is sent to the network element device;
fifteenth step, the network element device receives the payment confirmation information and then forwards the payment confirmation information to the policy charging control server;
Sixteenth, 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 provided in a fourteenth embodiment of the present invention, as shown in fig. 14, in a mobile payment method provided in an embodiment of the present invention, a flow of one embodiment of the first payment rule update is as follows:
in the first step, the user may not use the mobile payment service because the user replaces the used mobile phone or the mobile phone number and does not actively update the related information of the mobile payment in the secure payment server, so that the user needs to update the generated first payment rule. The secure payment server may send a registration terminal query request to the HLR/NGBOSS for a preset period of time, where the registration terminal query request includes user information corresponding to the first payment rule;
secondly, the HLR/BGBOSS receives the inquiry request of the registered terminal, and acquires information of each registered terminal registered under the user name according to the inquiry of the user information, wherein the information of each registered terminal comprises identification of each registered terminal and identification of each registered terminal SIM card;
Thirdly, the HLR/BGBOSS sends a registration terminal inquiry result to the secure payment server, wherein the registration terminal inquiry result comprises each registration terminal identifier and each registration terminal SIM card identifier;
fourth, the secure payment server receives the inquiry result of the registration terminal, and then judges whether the registration terminal information includes 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 is required to be updated;
fifthly, when the safety payment server meets preset conditions, sending 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 information, and the user can send a mobile payment registration change request to the secure payment server through the user terminal when looking up the mobile payment registration change prompt information.
Seventh, 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 which are provided by the user again;
and eighth step, the safety payment server pushes the updated first payment rule and the corresponding user information to a policy charging control server.
Fig. 15 is a signaling interaction diagram of second payment rule generation provided in a fifteenth embodiment of the present invention, as shown in fig. 15, in the mobile payment method provided in the embodiment of the present invention, a flow of one embodiment of second payment rule generation is as follows:
in the first step, the terminal corresponding to the auxiliary terminal identifier and the auxiliary terminal SIM card identifier may be powered off, failed, powered off, and the like, thereby affecting the confirmation of mobile payment. In order to improve 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 confirmation of mobile payment. The secure payment server may send a registration terminal query request to the HLR/NGBOSS in a preset period of time, where the registration terminal query request includes user information corresponding to the first payment rule;
Secondly, the HLR/BGBOSS receives the inquiry request of the registered terminal, and acquires information of each registered terminal registered under the user name according to the inquiry of the user information, wherein the information of each registered terminal comprises identification of each registered terminal and identification of each registered terminal SIM card;
thirdly, the HLR/BGBOSS sends a registration terminal inquiry result to the secure payment server, wherein the registration terminal inquiry result comprises each registration terminal identifier and each registration terminal SIM card identifier;
fourth, the secure payment server receives the registration terminal query result, and determines whether a second payment rule can be generated according to the registration terminal query result, the payment terminal identifier, the payment terminal SIM card identifier, the auxiliary terminal identifier, and the auxiliary terminal SIM card identifier, if each registration terminal identifier includes at least one standby terminal identifier other than the payment terminal identifier and the auxiliary terminal identifier, and each registration terminal SIM card identifier includes at least one standby terminal SIM card identifier other than the payment terminal SIM card identifier and the auxiliary terminal SIM card identifier, then the second payment rule can be generated.
And fifthly, the secure payment server generates a second payment rule according to each registered terminal identifier and each registered terminal SIM card identifier, and correspondingly stores the second payment rule and the user information.
From the above description of the embodiments, it will be apparent to those skilled in the art that the embodiments may be implemented by means of software plus necessary general hardware platforms, or of course may be implemented by means of hardware. Based on this understanding, the foregoing technical solution may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in the respective embodiments or some parts of the embodiments.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and are not limiting; although the 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 scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims (15)

1. A mobile payment method, comprising:
the method comprises the steps that a secure payment server receives a mobile payment request, wherein the mobile payment request comprises a first terminal identifier, a first terminal user identity card identifier and a service identifier; the mobile payment request is sent by the first terminal after passing the verification of the payment platform;
the secure payment server obtains user information according to the first terminal identification and/or the first terminal user identification card identification, and obtains a first payment rule corresponding to the user information according to the user information; the first payment rules are pre-generated and correspond to the user information one by one;
the secure payment server obtains a second terminal identifier and a 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;
the secure payment server obtains the mobile network state of the second terminal corresponding to the second terminal identification and the second terminal user identification according to the second terminal identification and the second terminal user identification;
If the secure payment server judges that the mobile network state of the second terminal is the networking, the secure payment server sends payment verification information to the second terminal;
the secure payment server receives payment confirmation information sent by the second terminal and completes mobile payment according to the payment confirmation information;
the method further includes a mobile payment registration procedure before the secure payment server receives the mobile payment request, the mobile payment registration procedure including:
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;
the secure payment server takes the application terminal identifier as a payment terminal identifier and the application terminal user identification card identifier as a payment terminal user identification card identifier, and acquires the user information according to the application terminal identifier and/or the application terminal user identification card identifier;
the secure payment server acquires each registered terminal identifier corresponding to the user information and each registered terminal user identification card identifier according to the user information;
The secure payment server removes the application terminal identification from each registered terminal identification to obtain at least one fifth terminal identification, and sends out the application terminal user identification card identification from each registered terminal user identification card identification to obtain at least one fifth terminal user identification card identification;
the secure payment server sends auxiliary terminal selection information to the application terminal, wherein the application terminal selection information comprises each fifth terminal identifier and each fifth terminal user identity identification card identifier;
the secure payment server receives auxiliary terminal confirmation information returned by the application terminal, wherein the auxiliary terminal confirmation information comprises auxiliary terminal identifications and auxiliary terminal user identification card identifications, the auxiliary terminal identifications are one of the fifth terminal identifications, and the auxiliary terminal user identification card identifications are 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;
The secure payment server generates the first payment rule according to the payment terminal identifier, the payment terminal user identification card identifier, the auxiliary terminal user identification card identifier and the service identifier, and corresponds the first payment rule to the user information.
2. The method as recited in claim 1, further comprising:
if the secure payment server judges that the mobile network state of the second terminal is a disconnected network, acquiring each registered terminal identifier corresponding to the user information and each registered terminal user identity identification card identifier according to the user information;
if the secure payment server judges that at least one third terminal identifier exists after the first terminal identifier and the second terminal identifier are removed from each registered terminal identifier, and at least one third terminal identifier exists after the first terminal identifier and the second terminal identifier are removed from each registered terminal identifier, acquiring a fourth terminal identifier and a fourth terminal identifier meeting the second payment rule according to each registered terminal identifier, each registered terminal identifier and each second terminal identifier and a second payment rule; wherein the second payment rule is pre-generated and corresponds to the user information one by one;
The secure payment server obtains the mobile network state of a fourth terminal corresponding to the fourth terminal identifier and the fourth terminal user identification card identifier according to the fourth terminal identifier and the fourth terminal user identification card identifier;
if the secure payment server judges that the mobile network state of the fourth terminal is the networking, payment verification information is sent to the fourth terminal;
and the secure payment server receives the payment confirmation information sent by the fourth terminal and completes mobile payment according to the payment confirmation information.
3. The method as recited in claim 2, further comprising:
and the secure payment server terminates the mobile payment if the secure payment server does not acquire the fourth terminal identification and the fourth terminal identification meeting the second payment rule according to each registered terminal identification and each registered terminal user identification card identification.
4. The method as recited in claim 2, further comprising:
and if the secure payment server judges that the mobile network state of the fourth terminal is the network disconnection, terminating the mobile payment.
5. The method of claim 1, wherein the secure payment server obtaining a second terminal identification and a second terminal identification card identification based on the first terminal identification, the first terminal identification card identification, the service identification, and the first payment rule comprises:
and if the secure payment server judges that the first terminal identifier, the first terminal user identification card identifier and the service identifier meet the first payment rule, acquiring the second terminal identifier and the second terminal user identification card identifier from the first payment rule.
6. The method of claim 1, wherein the method further comprises a mobile payment registration procedure prior to the secure payment server receiving a mobile payment request, the mobile payment registration procedure comprising:
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;
the secure payment server takes the application terminal identifier as a payment terminal identifier, takes the application terminal user identification card identifier as a payment terminal user identification card identifier, and sends auxiliary terminal acquisition information to the application terminal;
The secure payment server receives auxiliary terminal providing information returned by the application terminal, wherein the auxiliary terminal providing information comprises an auxiliary terminal identifier and an auxiliary terminal user identity identification card identifier;
the secure payment server obtains the user information according to the application terminal identification and/or the application terminal user identification card identification;
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 identifier of a candidate rule, and the payment platform confirmation information comprises at least one payment platform identifier for confirming binding;
the secure payment server generates the first payment rule according to the payment terminal identifier, the payment terminal user identification card identifier, the auxiliary terminal user identification card identifier and the service identifier, and corresponds the first payment rule to the user information.
7. The method of claim 1 or 6, wherein the first payment rule comprises:
first authentication information: the payment terminal identifier, the payment terminal user identification card identifier and the service identifier;
second authentication information: the auxiliary terminal identifier, the payment terminal user identification card identifier and the service identifier;
third authentication information: the auxiliary terminal identifier, the auxiliary terminal user identity card identifier and the service identifier;
fourth authentication information: the payment terminal identifier, the auxiliary terminal user identification card identifier and the service identifier.
8. The method of claim 7, 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.
9. The method as recited in claim 7, further comprising:
the secure payment server obtains each registered terminal identifier and each registered terminal user identity identification card identifier corresponding to the user information according to the user information inquiry in a preset time period;
if judging that each registered terminal identifier does not comprise the payment terminal identifier and/or the auxiliary terminal identifier, and/or each registered terminal user identifier does not comprise the payment terminal user identifier and/or the auxiliary terminal user identifier, sending mobile payment registration change prompt information 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.
10. The method as recited in claim 7, further comprising:
the secure payment server obtains each registered terminal identifier and each registered terminal user identification card identifier corresponding to the user information according to the user information inquiry;
And if judging that each registered terminal identifier comprises at least one standby terminal identifier except the payment terminal identifier and the auxiliary terminal identifier, and each registered terminal user identifier comprises at least one standby terminal user identifier except the payment terminal user identifier and the auxiliary terminal user identifier, generating a second payment rule according to each registered terminal identifier and each registered terminal user identifier, and corresponding the second payment rule to the user information.
11. The method of claim 1, wherein the paymate verification process of the first terminal comprises:
the 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 card identifier and a service identifier;
the network element device obtains the user information according to the first terminal identification and/or the first terminal user identification card identification, and obtains a corresponding first payment rule in a local query mode according to the user information; wherein the first payment rule is pre-stored locally;
If the network element device judges that the first terminal identifier, the first terminal user identity 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;
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; the payment platform verification passing information is sent after the payment platform verification request passes.
12. The method as recited in claim 11, further comprising:
and if the network element device judges that the first terminal identifier, the first terminal user identity identification card identifier and the service identifier do not meet the first payment rule, terminating the mobile payment.
13. The method as recited in claim 11, further comprising:
and the network element device terminates the mobile payment if the first payment rule is not acquired according to the user information.
14. The method of claim 11, wherein the network element device further comprises, prior to receiving the paymate verification request sent by the first terminal:
The network element device receives a bearing request of the first terminal, wherein the bearing request comprises the first terminal identifier and a user identity identification card identifier of the first terminal;
the network element device obtains the user information according to the first terminal identifier and/or the first terminal user identity identification card identifier, and sends a payment rule query request to the policy 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 inquires a corresponding first payment rule according to the user information, the payment rule inquiry 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 that the corresponding first payment rule is not found; wherein the first payment rule corresponding to the user information is pushed to the policy charging control server by the secure payment server.
15. The method of claim 11, wherein the paymate verification logs in to the alert prompt through an information carrying platform.
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