CN101464981A - Bank card account security system and method through mobile phone orientation authentication card owner identification - Google Patents
Bank card account security system and method through mobile phone orientation authentication card owner identification Download PDFInfo
- Publication number
- CN101464981A CN101464981A CNA2007101250860A CN200710125086A CN101464981A CN 101464981 A CN101464981 A CN 101464981A CN A2007101250860 A CNA2007101250860 A CN A2007101250860A CN 200710125086 A CN200710125086 A CN 200710125086A CN 101464981 A CN101464981 A CN 101464981A
- Authority
- CN
- China
- Prior art keywords
- card
- bank
- mobile phone
- payment
- pos machine
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
The invention discloses a bankcard account security system and a method thereof in the way that identity of a cardholder is authenticated through mobile phone positioning. When the cardholder adopts the bankcard (1) to pay by brushing card on a POS machine (3) of a merchant, the POS machine (3) transmits payment information of the bankcard (1) of the cardholder to a card issuer (5) through a merchant-acquiring bank (4) and a payment gateway (7), then the card issuer (5) checks position of the mobile phone and the payment place of the POS machine (3) through the positioning server (6), and when the position of the mobile phone is consistent with the payment place, the bank unceasingly carries on the payment operation. The invention adopts the positioning technology of the mobile phone of the prior mobile network to improve the security of the bankcard (1), when the bankcard account security method is used, the cardholder needs not change the operation procedure of bushing card, so long as the cardholder carries own mobile phone (2), the cardholder can consume and pay in the bushing card as usual. The implementation of the invention can bring good social benefit and economic benefit and is a great boon to the cardholder and the bank.
Description
[technical field]
The present invention relates to financial security personnel field, particularly relate to a kind of bank card account security system and method by mobile phone orientation authentication card owner identification.
[background technology]
Because bank card is easy to carry, and uses easily, come method of payment fast and easily for the card master tape, so the use of bank card is more and more general, a lot of people have and surpass a bank card.Though bank card blocks main method of payment fast and easily, but also bring some security personnel's problems, some offenders steal other people bank card data by all means, puppet emits the card instigator to pay the bill with bank card consumption then, card is main generally will be received and just can realize that the bank card of oneself usurped by the people behind the monthly statement, the order card is main to sustain a loss, and is a problem extremely to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of bank card account security system and method by mobile phone orientation authentication card owner identification, utilizes the main residing position of mobile phone of card, during as the payment of use bank card, and a kind of auxiliary security personnel's means of authentication card owner identification.
The present invention utilizes mobile phone to insert the position of the base station of mobile telephone network, as a kind of auxiliary security personnel's means of the identity of authentication card owner.Current general mobile telephone network, when user mobile phone enters the coverage of base station of mobile telephone network, user mobile phone can insert this base station automatically, inserted that base station as long as find out mobile phone by mobile telephone network, just having equaled to know the current position of this mobile phone, is a kind of Mobile Phone Locating technology that realizes by the base station.The present invention adopts the main mobile phone of card to insert this Mobile Phone Locating technology of position of the base station of mobile telephone network, when using the bank card payment, whether main residing position is promptly blocked in the position of checking the main mobile phone of card consistent with the place of payment, when the main mobile phone location of card is consistent with the place of payment, just proceeding delivery operation, is auxiliary security personnel's means of utilizing the main mobile phone location of card to come authentication card owner identification.
The object of the present invention is achieved like this, adopt a kind of like this bank card account security system, be used to authenticate bank card card master's identity, it is characterized in that, described system includes each card main bank card (1) and mobile phone (2), be arranged at the POS machine (3) of each trade company, merchant bank (4), issuing bank (5), location-server (6), payment gateway (7), mobile telephone network (8), wherein, location-server (6) is connected with issuing bank (5) and the mutual telecommunication of mobile telephone network (8), location-server (6) is mainly used in collects the access information that each mobile phone (2) inserts the base station (801) of mobile telephone network (8), and find out the mobile phone location of mobile phone (2) according to access information, and the place that location-server (6) is found out the setting of this POS machine (3) according to the identification data of POS machine (3) is the place of payment;
And,
When card is instigated with bank card (1) when the POS of trade company machine (3) is swiped the card payment, POS machine (3) will be swiped the card data transmission to merchant bank (4), merchant bank (4) check the data of swiping the card errorless after, pay to issuing bank (5) request by will the swipe the card collecting account data transmission of data and this trade company of payment gateway (7), the mobile phone location of the main mobile phone (2) of card and the place of payment of this POS machine (3) are checked by location-server (6) by issuing bank (5) then, when described mobile phone location was consistent with the described place of payment, bank just proceeded this delivery operation.
And, adopt a kind of like this bank card account security method, be used to authenticate bank card card master's identity, it is characterized in that, described method comprises when the card instigator pays operation with bank card (1), the mobile phone location of the main mobile phone (2) of card and the place of payment of accepting this delivery operation are checked by bank, when described mobile phone location is consistent with the described place of payment, bank just proceeds this delivery operation, when described mobile phone location and the described place of payment were inconsistent, bank did not proceed this delivery operation.
So just realized purpose of the present invention.
System and method of the present invention heavily ensures for the main bank card (1) of card many, as long as the main mobile phone (2) of oneself that carrying of card, the card master can bankcard consumption payment as usual at any time.
[description of drawings]
Fig. 1 is the structural representation key diagram of bank card account security system of the present invention;
Fig. 2 is the step schematic illustration of bank card account security method of the present invention;
Fig. 3 is the structural representation key diagram of bank card account security system that adopts the POS machine (3) of wireless communication mode;
Fig. 4 is the step schematic illustration of bank card account security method that adopts the system of Fig. 3.
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the numeral of circle and the straight line of band arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structural representation key diagram of bank card account security system of the present invention, system shown in the figure includes each card main bank card (1) and mobile phone (2), be arranged at the POS machine (3) of each trade company, merchant bank (4), issuing bank (5), location-server (6), payment gateway (7), mobile telephone network (8), wherein, location-server (6) is connected with issuing bank (5) and the mutual telecommunication of mobile telephone network (8), location-server (6) is mainly used in collects the access information that each mobile phone (2) inserts the base station (801) of mobile telephone network (8), and find out the mobile phone location of mobile phone (2) according to access information, and the place that location-server (6) is found out the setting of this POS machine (3) according to the identification data of POS machine (3) is the place of payment;
And,
When card is instigated with bank card (1) when the POS of trade company machine (3) is swiped the card payment, POS machine (3) will be swiped the card data transmission to merchant bank (4), merchant bank (4) check the data of swiping the card errorless after, pay to issuing bank (5) request by will the swipe the card collecting account data transmission of data and this trade company of payment gateway (7), the mobile phone location of the main mobile phone (2) of card and the place of payment of this POS machine (3) are checked by location-server (6) by issuing bank (5) then, when described mobile phone location was consistent with the described place of payment, bank just proceeded this delivery operation.
And,
The described data of swiping the card includes main bank card (1) the account data of card, identification data, the payment of POS machine (3).
Described mobile phone location is the service coverage of the base station (801) of the mobile telephone network (8) that inserted of the main mobile phone (2) of card.
The described place of payment is meant the residing place of POS machine (3) of accepting this time delivery operation.Described bank card (1) comprises credit card, debit card, debt-credit card, ATM card, the card etc. of withdrawing the money.
In this manual, payment gateway (7) is that the bank card of bank card payment network etc. and so on is accepted network, and payment gateway (7) can be that the bank card of China Unionpay's card network, VISA network, Master Card network, American Express Card network or the like and so on is accepted network.
Aspect being provided with, store the place that is provided with of the identification data of POS machine (3) of each POS machine (3) and this POS machine (3) in the location-server (6), and, store the data of the coverage of each base station of mobile telephone network (8) (801) in the location-server (6); And the card of bank card (1) is mainly registered the telephone number of the mobile phone (2) of oneself in advance in issuing bank (5), the telephone number of mobile phone (2) and the account of bank card (1) are bundled the card mobile phone (2) that mainly carrying this registered telephone number payment of just swiping the card later on.
Consult Fig. 2, Fig. 2 is the step schematic illustration of bank card account security method of the present invention, method shown in the figure comprises when the card instigator pays operation with bank card (1), the mobile phone location of the main mobile phone (2) of card and the place of payment of accepting this delivery operation are checked by bank, when described mobile phone location is consistent with the described place of payment, bank just proceeds this delivery operation, and when described mobile phone location and the described place of payment were inconsistent, bank did not proceed this delivery operation.
Continue to consult Fig. 2, method shown in the figure comprises following A group step, be card instigator when paying operation with bank card (1), bank checks the mobile phone location of the mobile phone (2) that card leads and accepts the step in the place of payment of this delivery operation, and concrete step is as follows:
A1. when the main mobile phone (2) of card enters the coverage of base station (801), this mobile phone (2) telecommunication automatically is linked into this base station (801), by base station (801) access information of this mobile phone (2) access base station (801) is sent to location-server (6) by mobile telephone network (8), location-server (6) upgrades the access information record of this mobile phone (2) telephone number according to received access information;
A2. card is main when trade company's consumption payment, and the bank card (1) that card is main is put into the POS machine (3) of trade company and swipes the card, and reads the account data such as card number of this bank card (1) by POS machine (3);
A3.POS machine (3) with the data transmissions of swiping the card such as identification data of described account data, Payment Amount, POS machine (3) to merchant bank (4), merchant bank (4) finds the collecting account data of the trade company of this POS machine (3) from the identification data of POS machine (3), and merchant bank is sent to issuing bank (5) request payment with the identification data of the account data of this bank card (1), payment, collecting account data, POS machine (3) etc. by payment gateway (7) then;
A4. issuing bank (5) finds out stored record the main mobile phone of card (2) telephone number that should bank card (1) from the account data of this bank card (1), and the identification data etc. that will block main mobile phone (2) telephone number and POS machine (3) is sent to location-server (6) request and checks;
A5. location-server (6) is found out blocking the up-to-date access information of main mobile phone (2) telephone number in stored access information record, the service coverage of finding out the base station (801) that the main mobile phone of card (2) inserted from this access information is a mobile phone location, and, the place that location-server (6) is found out the setting of this POS machine (3) according to the identification data of POS machine (3) is the place of payment, when this place of payment was consistent with this mobile phone location, success was checked by location-server (6) notice issuing bank (5);
A6. after issuing bank (5) receives and checks successful information, check the account balance, Payment Amount etc. of this bank card (1) errorless after, from the operation of paying of the account of this bank card (1), and pay successfully by payment gateway (7) notice merchant bank (4);
A7. merchant bank (4) will pay successful information and be sent to POS machine (3), print the payment receipt by POS machine (3) and give card main.The further improvement of bank card account security method of the present invention is that note or multimedia message that location-server (6) will comprise place of payment information are sent to the main mobile phone of card (2) announcement card master by mobile telephone network (8) after location-server (6) is checked the mobile phone location of the main mobile phone (2) of card and accepted the place of payment of this delivery operation.If the main mobile phone (2) of card does not use bank card (1) and receives note or the multimedia message that comprises the place of payment, just may be that the someone usurps the main bank card (1) of card and pays, block master's processing of just can in time reporting to the police, the thief is restrained by law.
Consult Fig. 3, Fig. 3 is the structural representation key diagram of bank card account security system that adopts the POS machine (3) of wireless communication mode, it is further improvement of the present invention, compare with the embodiment of Fig. 1, difference is that the POS machine (3) of the embodiment of Fig. 3 is provided with the mobile phone module that is used for communication, and described POS machine (3) is by this mobile phone module and mobile telephone network (8) and merchant bank's communication.
Consult Fig. 4, Fig. 4 is the step schematic illustration of bank card account security method that adopts the system of Fig. 3, method shown in the figure comprises when the card instigator pays operation with bank card (1), the mobile phone location of the main mobile phone (2) of card and the place of payment of accepting the POS machine (3) of this delivery operation are checked by bank, when described mobile phone location is identical with the described place of payment, bank just proceeds this delivery operation, when described mobile phone location and the described place of payment were inequality, bank did not proceed this delivery operation.And, described mobile phone location is the service coverage of the base station (801) of the mobile telephone network (8) that inserted of the main mobile phone (2) of card, and the described place of payment is the service coverage of accepting the base station (801) of the mobile telephone network (8) that the POS machine (3) of this delivery operation inserted.
Continue to consult Fig. 4, method shown in the figure comprises following B group step, be card instigator when paying operation with bank card (1), bank checks the mobile phone location of the mobile phone (2) that card leads and accepts the step in the place of payment of this delivery operation, and concrete step is as follows:
B1. after the POS of trade company machine (3) start, POS machine (3) telecommunication automatically inserts near the base station (801) to mobile telephone network (8), this POS machine (3) present position, by base station (801) access information of this POS machine (3) access base station (801) is sent to location-server (6) by mobile telephone network (8), location-server (6) upgrades the access information record of this POS machine (3) telephone number according to received access information;
B2. when the main mobile phone (2) of card enters the coverage of base station (801), this mobile phone (2) telecommunication automatically is linked into this base station (801), by base station (801) access information of this mobile phone (2) access base station (801) is sent to location-server (6) by mobile telephone network (8), location-server (6) upgrades the access information record of this mobile phone (2) telephone number according to received access information;
B3. card is main when trade company's consumption payment, and the bank card (1) that card is main is put into the POS machine (3) of trade company and swipes the card, and reads the account data such as card number of this bank card (1) by POS machine (3);
B4.POS machine (3) by mobile telephone network (8) with the data transmissions of swiping the card such as identification data of described account data, Payment Amount, POS machine (3) to merchant bank (4), merchant bank (4) finds the collecting account data and POS machine (3) telephone number of the trade company of this POS machine (3) from the identification data of POS machine (3), and merchant bank is sent to issuing bank (5) request payment with the account data of this bank card (1), payment, collecting account data, POS machine (3) telephone number etc. by payment gateway (7) then;
B5. issuing bank (5) finds out stored record the main mobile phone of card (2) telephone number that should bank card (1) from the account data of this bank card (1), should block main mobile phone (2) telephone number and POS machine (3) telephone number etc. and be sent to location-server (6) request and check;
B6. location-server (6) is found out blocking the up-to-date access information of main mobile phone (2) telephone number in stored access information record, the service coverage of finding out the base station (801) that the main mobile phone of card (2) inserted from this access information is a mobile phone location, and, location-server (6) is found out in stored access information record up-to-date access information that should POS machine (3) telephone number, the service coverage of finding out the base station (801) that POS machine (3) inserted from this access information is the place of payment, when this place of payment was consistent with this mobile phone location, success was checked by location-server (6) notice issuing bank (5);
B7. after issuing bank (5) receives and checks successful information, check the account balance, Payment Amount etc. of this bank card (1) errorless after, from the operation of paying of the account of this bank card (1), and pay successfully by payment gateway (7) notice merchant bank (4);
B8. merchant bank (4) will pay successful information by mobile telephone network (8) and be sent to POS machine (3), print the payment receipt by POS machine (3) and give card main.
In addition, the embodiment of Fig. 4 also can adopt so a kind of bank card account security method, also can realize purpose of the present invention well, described method comprises when the card instigator pays operation with bank card (1), whether the base station (801) that the base station (801) that the main mobile phone (2) of card inserted and the POS machine (3) of accepting this delivery operation inserted is checked by bank identical, when the main mobile phone (2) of this card is linked into same base station (801) with this POS machine (3), bank just proceeds this delivery operation, when the main mobile phone (2) of this card was linked into base station inequality (801) with this POS machine (3), bank did not proceed this delivery operation.
Below described system and method for the present invention in detail; spirit of the present invention be not subjected among each embodiment specify limit; various accommodations under the situation that does not break away from spirit of the present invention; all belong to scope of the present invention; for example location-server (6) is incorporated in the mobile telephone network (8); or location-server (6) is incorporated in the issuing bank (5); or location-server (6) is incorporated in the payment gateway (7); all can realize purpose of the present invention well, all belong to protection scope of the present invention.
System and method of the present invention utilizes the Mobile Phone Locating technology of existing mobile phone network to improve the security of bank card (1), when using method of the present invention, the card master need not change the operation steps of swiping the card, as long as the main mobile phone (2) of oneself that carrying of card, the card master can bankcard consumption payment as usual at any time.Enforcement of the present invention can bring good social benefit and economic benefit, to the card all benifits very of bank of advocating peace.
Claims (13)
1. bank card account security system, be used to authenticate bank card card master's identity, it is characterized in that, described system includes each card main bank card (1) and mobile phone (2), be arranged at the POS machine (3) of each trade company, merchant bank (4), issuing bank (5), location-server (6), payment gateway (7), mobile telephone network (8), wherein, location-server (6) is connected with issuing bank (5) and the mutual telecommunication of mobile telephone network (8), location-server (6) is mainly used in collects the access information that each mobile phone (2) inserts the base station (801) of mobile telephone network (8), and find out the mobile phone location of mobile phone (2) according to access information, and the place that location-server (6) is found out the setting of this POS machine (3) according to the identification data of POS machine (3) is the place of payment;
And,
When card is instigated with bank card (1) when the POS of trade company machine (3) is swiped the card payment, POS machine (3) will be swiped the card data transmission to merchant bank (4), merchant bank (4) check the data of swiping the card errorless after, pay to issuing bank (5) request by will the swipe the card collecting account data transmission of data and this trade company of payment gateway (7), the mobile phone location of the main mobile phone (2) of card and the place of payment of this POS machine (3) are checked by location-server (6) by issuing bank (5) then, when described mobile phone location was consistent with the described place of payment, bank just proceeded this delivery operation.
2. bank card account security system as claimed in claim 1 is characterized in that, the described data of swiping the card includes main bank card (1) the account data of card, identification data, the payment of POS machine (3).
3. bank card account security system as claimed in claim 1 is characterized in that, described mobile phone location is the service coverage of the base station (801) of the mobile telephone network (8) that inserted of the main mobile phone (2) of card.
4. bank card account security system as claimed in claim 1 is characterized in that, the described place of payment is meant the residing place of POS machine (3) of accepting this time delivery operation.
5. bank card account security system as claimed in claim 1 is characterized in that, described bank card (1) comprises credit card, debit card, debt-credit card, ATM card, the card etc. of withdrawing the money.
6. bank card account security system as claimed in claim 1 or 2 is characterized in that, described POS machine (3) is provided with the mobile phone module that is used for communication, and described POS machine (3) is by this mobile phone module and mobile telephone network (8) and merchant bank's communication.
7. bank card account security method, be used to authenticate bank card card master's identity, it is characterized in that, described method comprises when the card instigator pays operation with bank card (1), the mobile phone location of the main mobile phone (2) of card and the place of payment of accepting this delivery operation are checked by bank, when described mobile phone location is consistent with the described place of payment, bank just proceeds this delivery operation, when described mobile phone location and the described place of payment were inconsistent, bank did not proceed this delivery operation.
8. bank card account security method as claimed in claim 7, it is characterized in that, described method comprises following A group step, being card instigator pays when operating with bank card (1), bank checks the mobile phone location of the main mobile phone (2) of card and accepts the step in the place of payment of this delivery operation, and concrete step is as follows:
A1. when the main mobile phone (2) of card enters the coverage of base station (801), this mobile phone (2) telecommunication automatically is linked into this base station (801), by base station (801) access information of this mobile phone (2) access base station (801) is sent to location-server (6) by mobile telephone network (8), location-server (6) upgrades the access information record of this mobile phone (2) telephone number according to received access information;
A2. card is main when trade company's consumption payment, and the bank card (1) that card is main is put into the POS machine (3) of trade company and swipes the card, and reads the account data such as card number of this bank card (1) by POS machine (3);
A3.POS machine (3) with the data transmissions of swiping the card such as identification data of described account data, Payment Amount, POS machine (3) to merchant bank (4), merchant bank (4) finds the collecting account data of the trade company of this POS machine (3) from the identification data of POS machine (3), and merchant bank is sent to issuing bank (5) request payment with the identification data of the account data of this bank card (1), payment, collecting account data, POS machine (3) etc. by payment gateway (7) then;
A4. issuing bank (5) finds out stored record the main mobile phone of card (2) telephone number that should bank card (1) from the account data of this bank card (1), and the identification data etc. that will block main mobile phone (2) telephone number and POS machine (3) is sent to location-server (6) request and checks;
A5. location-server (6) is found out blocking the up-to-date access information of main mobile phone (2) telephone number in stored access information record, the service coverage of finding out the base station (801) that the main mobile phone of card (2) inserted from this access information is a mobile phone location, and, the place that location-server (6) is found out the setting of this POS machine (3) according to the identification data of POS machine (3) is the place of payment, when this place of payment was consistent with this mobile phone location, success was checked by location-server (6) notice issuing bank (5);
A6. after issuing bank (5) receives and checks successful information, check the account balance, Payment Amount etc. of this bank card (1) errorless after, from the operation of paying of the account of this bank card (1), and pay successfully by payment gateway (7) notice merchant bank (4);
A7. merchant bank (4) will pay successful information and be sent to POS machine (3), print the payment receipt by POS machine (3) and give card main.
9. bank card account security method as claimed in claim 7, it is characterized in that, after described method comprised that also location-server (6) is checked the mobile phone location of the main mobile phone (2) of card and accepted the place of payment of this delivery operation, note or multimedia message that location-server (6) will comprise place of payment information were sent to the main mobile phone of card (2) announcement card master by mobile telephone network (8).
10. bank card account security method, be used to authenticate bank card card master's identity, it is characterized in that, described method comprises when the card instigator pays operation with bank card (1), the mobile phone location of the main mobile phone (2) of card and the place of payment of accepting the POS machine (3) of this delivery operation are checked by bank, when described mobile phone location is identical with the described place of payment, bank just proceeds this delivery operation, when described mobile phone location and the described place of payment were inequality, bank did not proceed this delivery operation.
11. bank card account security method as claimed in claim 10, it is characterized in that, described mobile phone location is the service coverage of the base station (801) of the mobile telephone network (8) that inserted of the main mobile phone (2) of card, and the described place of payment is the service coverage of accepting the base station (801) of the mobile telephone network (8) that the POS machine (3) of this delivery operation inserted.
12. as claim 10 or 11 described bank card account security methods, it is characterized in that, described method comprises following B group step, being card instigator pays when operating with bank card (1), bank checks the mobile phone location of the main mobile phone (2) of card and accepts the step in the place of payment of this delivery operation, and concrete step is as follows:
B1. after the POS of trade company machine (3) start, POS machine (3) telecommunication automatically inserts near the base station (801) to mobile telephone network (8), this POS machine (3) present position, by base station (801) access information of this POS machine (3) access base station (801) is sent to location-server (6) by mobile telephone network (8), location-server (6) upgrades the access information record of this POS machine (3) telephone number according to received access information;
B2. when the main mobile phone (2) of card enters the coverage of base station (801), this mobile phone (2) telecommunication automatically is linked into this base station (801), by base station (801) access information of this mobile phone (2) access base station (801) is sent to location-server (6) by mobile telephone network (8), location-server (6) upgrades the access information record of this mobile phone (2) telephone number according to received access information;
B3. card is main when trade company's consumption payment, and the bank card (1) that card is main is put into the POS machine (3) of trade company and swipes the card, and reads the account data such as card number of this bank card (1) by POS machine (3);
B4.POS machine (3) by mobile telephone network (8) with the data transmissions of swiping the card such as identification data of described account data, Payment Amount, POS machine (3) to merchant bank (4), merchant bank (4) finds the collecting account data and POS machine (3) telephone number of the trade company of this POS machine (3) from the identification data of POS machine (3), and merchant bank is sent to issuing bank (5) request payment with the account data of this bank card (1), payment, collecting account data, POS machine (3) telephone number etc. by payment gateway (7) then;
B5. issuing bank (5) finds out stored record the main mobile phone of card (2) telephone number that should bank card (1) from the account data of this bank card (1), should block main mobile phone (2) telephone number and POS machine (3) telephone number etc. and be sent to location-server (6) request and check;
B6. location-server (6) is found out blocking the up-to-date access information of main mobile phone (2) telephone number in stored access information record, the service coverage of finding out the base station (801) that the main mobile phone of card (2) inserted from this access information is a mobile phone location, and, location-server (6) is found out in stored access information record up-to-date access information that should POS machine (3) telephone number, the service coverage of finding out the base station (801) that POS machine (3) inserted from this access information is the place of payment, when this place of payment was consistent with this mobile phone location, success was checked by location-server (6) notice issuing bank (5);
B7. after issuing bank (5) receives and checks successful information, check the account balance, Payment Amount etc. of this bank card (1) errorless after, from the operation of paying of the account of this bank card (1), and pay successfully by payment gateway (7) notice merchant bank (4);
B8. merchant bank (4) will pay successful information by mobile telephone network (8) and be sent to POS machine (3), print the payment receipt by POS machine (3) and give card main.
13. bank card account security method, be used to authenticate bank card card master's identity, it is characterized in that, described method comprises when the card instigator pays operation with bank card (1), whether the base station (801) that the base station (801) that the main mobile phone (2) of card inserted and the POS machine (3) of accepting this delivery operation inserted is checked by bank identical, when the main mobile phone (2) of this card is linked into same base station (801) with this POS machine (3), bank just proceeds this delivery operation, when the main mobile phone (2) of this card was linked into base station inequality (801) with this POS machine (3), bank did not proceed this delivery operation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101250860A CN101464981A (en) | 2007-12-18 | 2007-12-18 | Bank card account security system and method through mobile phone orientation authentication card owner identification |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101250860A CN101464981A (en) | 2007-12-18 | 2007-12-18 | Bank card account security system and method through mobile phone orientation authentication card owner identification |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101464981A true CN101464981A (en) | 2009-06-24 |
Family
ID=40805552
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101250860A Pending CN101464981A (en) | 2007-12-18 | 2007-12-18 | Bank card account security system and method through mobile phone orientation authentication card owner identification |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101464981A (en) |
Cited By (30)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102314733A (en) * | 2011-04-29 | 2012-01-11 | 四川长虹电器股份有限公司 | Method for preventing cashes in bank card from being falsely withdrawn |
| CN102346941A (en) * | 2011-05-23 | 2012-02-08 | 北京播思软件技术有限公司 | Financial transaction detection and prompting system and implementation method thereof |
| CN102348159A (en) * | 2010-08-02 | 2012-02-08 | 奚伟祖 | Geographical-position-based hierarchical trusted mobile payment right control method |
| CN102509223A (en) * | 2011-11-21 | 2012-06-20 | 快钱支付清算信息有限公司 | Safety management method and system for mobile terminal card-swiping collection |
| CN101654693B (en) * | 2009-08-21 | 2012-07-11 | 南京财经大学 | Method for preparing rapeseed peptides by microorganism fermentation |
| WO2012126422A2 (en) * | 2012-05-15 | 2012-09-27 | 华为技术有限公司 | Method, device and system for controlling account management operation |
| CN103035078A (en) * | 2012-11-30 | 2013-04-10 | 深圳天源迪科信息技术股份有限公司 | Payment security monitoring method based on position |
| CN103118325A (en) * | 2011-11-02 | 2013-05-22 | 株式会社三菱东京Ufj银行 | Authentication system, authentication method and authentication server |
| CN103164802A (en) * | 2013-03-14 | 2013-06-19 | 北京恒远创智信息技术有限公司 | Position detection based method and system for preventing illegal electronic transaction |
| CN103270523A (en) * | 2010-12-23 | 2013-08-28 | 电子湾有限公司 | Deferred payment and selective funding and payments |
| CN103400265A (en) * | 2013-07-04 | 2013-11-20 | 徐业军 | Quick payment method and system based on position information |
| CN103426239A (en) * | 2012-05-25 | 2013-12-04 | 中国银联股份有限公司 | Method for determining issuer of information storage device |
| WO2014008860A1 (en) * | 2012-07-12 | 2014-01-16 | Tencent Technology (Shenzhen) Company Limited | Method and system for controlling mobile data terminals |
| CN103856323A (en) * | 2012-11-28 | 2014-06-11 | 卡巴斯克 | Network security verification method for examining identities by means of user positions |
| CN104794615A (en) * | 2015-05-11 | 2015-07-22 | 易联支付有限公司 | Safety verification method for mobile phone payment |
| CN105608579A (en) * | 2015-10-19 | 2016-05-25 | 广州衡昊数据科技有限公司 | Method of preventing credit card from embezzlement and system thereof |
| CN106447921A (en) * | 2016-08-26 | 2017-02-22 | 合肥若涵信智能工程有限公司 | Bank card reader |
| WO2017032056A1 (en) * | 2015-08-26 | 2017-03-02 | 中兴通讯股份有限公司 | Point-of-sale-based cash-out determining method and apparatus |
| WO2017092685A1 (en) * | 2015-12-01 | 2017-06-08 | 中国银联股份有限公司 | System monitoring for relocation of pos terminal and method of monitoring for relocation of pos terminal |
| CN107392615A (en) * | 2017-07-06 | 2017-11-24 | 南京合荣欣业金融软件有限公司 | A kind of implementation method and its device for confirming my execute-in-place |
| CN107464120A (en) * | 2017-09-22 | 2017-12-12 | 中国联合网络通信集团有限公司 | Exempt from the safe verification method, trade company's background system and payment system of close payment |
| CN108416583A (en) * | 2017-02-10 | 2018-08-17 | 中国移动通信集团四川有限公司 | Prevent bank card from stealing the method and system of brush |
| CN108510277A (en) * | 2017-02-28 | 2018-09-07 | 广州地理研究所 | Public transport barcode scanning ticket checking settlement method and system |
| CN108805581A (en) * | 2018-06-29 | 2018-11-13 | 芜湖市联网汇通电子科技有限公司 | A kind of electronic card safety payment system and its method |
| CN109147165A (en) * | 2017-06-28 | 2019-01-04 | 上海共联通信信息发展有限公司 | A kind of all-purpose card reports the loss method automatically |
| CN109993518A (en) * | 2017-12-29 | 2019-07-09 | 上海方付通商务服务有限公司 | Authentication method and Verification System |
| CN110349278A (en) * | 2018-04-08 | 2019-10-18 | 大唐移动通信设备有限公司 | A kind of authentication and charging method and device based on mobile network |
| CN111031066A (en) * | 2019-12-25 | 2020-04-17 | 哈尔滨新中新电子股份有限公司 | Data transmission method among PC (personal computer), gateway and POS (point-of-sale) machine in all-purpose card system |
| CN111062718A (en) * | 2019-12-11 | 2020-04-24 | 北京牛卡福网络科技有限公司 | Method, apparatus, system, and medium for secure transactions |
| CN111292489A (en) * | 2014-07-15 | 2020-06-16 | 武礼伟仁株式会社 | Card settlement terminal and card settlement system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1301438A (en) * | 1997-12-22 | 2001-06-27 | 摩托罗拉公司 | Single account portable wireless financial messaging unit |
| CN1338694A (en) * | 2000-08-10 | 2002-03-06 | 日本电气株式会社 | System and method for examining cards |
| CN1653472A (en) * | 2002-05-16 | 2005-08-10 | 客得富移动通信股份有限公司 | Method for guaranteeing safe financial transactions when using wireless network |
| CN101059853A (en) * | 2006-04-21 | 2007-10-24 | 赵壮 | Safe mobile macro-payment data processing system |
-
2007
- 2007-12-18 CN CNA2007101250860A patent/CN101464981A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1301438A (en) * | 1997-12-22 | 2001-06-27 | 摩托罗拉公司 | Single account portable wireless financial messaging unit |
| CN1338694A (en) * | 2000-08-10 | 2002-03-06 | 日本电气株式会社 | System and method for examining cards |
| CN1653472A (en) * | 2002-05-16 | 2005-08-10 | 客得富移动通信股份有限公司 | Method for guaranteeing safe financial transactions when using wireless network |
| CN101059853A (en) * | 2006-04-21 | 2007-10-24 | 赵壮 | Safe mobile macro-payment data processing system |
Cited By (38)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101654693B (en) * | 2009-08-21 | 2012-07-11 | 南京财经大学 | Method for preparing rapeseed peptides by microorganism fermentation |
| CN102348159A (en) * | 2010-08-02 | 2012-02-08 | 奚伟祖 | Geographical-position-based hierarchical trusted mobile payment right control method |
| CN103270523A (en) * | 2010-12-23 | 2013-08-28 | 电子湾有限公司 | Deferred payment and selective funding and payments |
| CN102314733A (en) * | 2011-04-29 | 2012-01-11 | 四川长虹电器股份有限公司 | Method for preventing cashes in bank card from being falsely withdrawn |
| CN102346941A (en) * | 2011-05-23 | 2012-02-08 | 北京播思软件技术有限公司 | Financial transaction detection and prompting system and implementation method thereof |
| CN103118325A (en) * | 2011-11-02 | 2013-05-22 | 株式会社三菱东京Ufj银行 | Authentication system, authentication method and authentication server |
| CN102509223A (en) * | 2011-11-21 | 2012-06-20 | 快钱支付清算信息有限公司 | Safety management method and system for mobile terminal card-swiping collection |
| WO2012126422A2 (en) * | 2012-05-15 | 2012-09-27 | 华为技术有限公司 | Method, device and system for controlling account management operation |
| WO2012126422A3 (en) * | 2012-05-15 | 2013-04-11 | 华为技术有限公司 | Method, device and system for controlling account management operation |
| CN103119973A (en) * | 2012-05-15 | 2013-05-22 | 华为技术有限公司 | Method, device and system for controlling account management operation |
| CN103426239B (en) * | 2012-05-25 | 2015-10-28 | 中国银联股份有限公司 | The defining method of the issuer of information-storing device and determining device |
| CN103426239A (en) * | 2012-05-25 | 2013-12-04 | 中国银联股份有限公司 | Method for determining issuer of information storage device |
| WO2014008860A1 (en) * | 2012-07-12 | 2014-01-16 | Tencent Technology (Shenzhen) Company Limited | Method and system for controlling mobile data terminals |
| CN103856323A (en) * | 2012-11-28 | 2014-06-11 | 卡巴斯克 | Network security verification method for examining identities by means of user positions |
| CN103035078B (en) * | 2012-11-30 | 2015-05-27 | 深圳天源迪科信息技术股份有限公司 | Payment security monitoring method based on position |
| CN103035078A (en) * | 2012-11-30 | 2013-04-10 | 深圳天源迪科信息技术股份有限公司 | Payment security monitoring method based on position |
| CN103164802A (en) * | 2013-03-14 | 2013-06-19 | 北京恒远创智信息技术有限公司 | Position detection based method and system for preventing illegal electronic transaction |
| CN103400265A (en) * | 2013-07-04 | 2013-11-20 | 徐业军 | Quick payment method and system based on position information |
| CN111292489A (en) * | 2014-07-15 | 2020-06-16 | 武礼伟仁株式会社 | Card settlement terminal and card settlement system |
| CN104794615A (en) * | 2015-05-11 | 2015-07-22 | 易联支付有限公司 | Safety verification method for mobile phone payment |
| WO2017032056A1 (en) * | 2015-08-26 | 2017-03-02 | 中兴通讯股份有限公司 | Point-of-sale-based cash-out determining method and apparatus |
| CN105608579A (en) * | 2015-10-19 | 2016-05-25 | 广州衡昊数据科技有限公司 | Method of preventing credit card from embezzlement and system thereof |
| WO2017092685A1 (en) * | 2015-12-01 | 2017-06-08 | 中国银联股份有限公司 | System monitoring for relocation of pos terminal and method of monitoring for relocation of pos terminal |
| CN106447921A (en) * | 2016-08-26 | 2017-02-22 | 合肥若涵信智能工程有限公司 | Bank card reader |
| CN108416583A (en) * | 2017-02-10 | 2018-08-17 | 中国移动通信集团四川有限公司 | Prevent bank card from stealing the method and system of brush |
| CN108510277B (en) * | 2017-02-28 | 2021-06-25 | 广州地理研究所 | Public transport code scanning ticket checking and settlement method and system |
| CN108510277A (en) * | 2017-02-28 | 2018-09-07 | 广州地理研究所 | Public transport barcode scanning ticket checking settlement method and system |
| CN109147165A (en) * | 2017-06-28 | 2019-01-04 | 上海共联通信信息发展有限公司 | A kind of all-purpose card reports the loss method automatically |
| CN107392615A (en) * | 2017-07-06 | 2017-11-24 | 南京合荣欣业金融软件有限公司 | A kind of implementation method and its device for confirming my execute-in-place |
| CN107464120A (en) * | 2017-09-22 | 2017-12-12 | 中国联合网络通信集团有限公司 | Exempt from the safe verification method, trade company's background system and payment system of close payment |
| CN109993518A (en) * | 2017-12-29 | 2019-07-09 | 上海方付通商务服务有限公司 | Authentication method and Verification System |
| CN110349278A (en) * | 2018-04-08 | 2019-10-18 | 大唐移动通信设备有限公司 | A kind of authentication and charging method and device based on mobile network |
| CN108805581A (en) * | 2018-06-29 | 2018-11-13 | 芜湖市联网汇通电子科技有限公司 | A kind of electronic card safety payment system and its method |
| CN108805581B (en) * | 2018-06-29 | 2021-10-08 | 南京中景辉创网络科技有限公司 | Electronic card safety payment system and method thereof |
| CN111062718A (en) * | 2019-12-11 | 2020-04-24 | 北京牛卡福网络科技有限公司 | Method, apparatus, system, and medium for secure transactions |
| CN111062718B (en) * | 2019-12-11 | 2021-06-01 | 北京牛卡福网络科技有限公司 | Method, apparatus, system, and medium for secure transactions |
| CN111031066A (en) * | 2019-12-25 | 2020-04-17 | 哈尔滨新中新电子股份有限公司 | Data transmission method among PC (personal computer), gateway and POS (point-of-sale) machine in all-purpose card system |
| CN111031066B (en) * | 2019-12-25 | 2022-02-01 | 哈尔滨新中新电子股份有限公司 | Data transmission method among PC (personal computer), gateway and POS (point-of-sale) machine in all-purpose card system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101464981A (en) | Bank card account security system and method through mobile phone orientation authentication card owner identification | |
| CN102201143B (en) | A kind of bank card transaction system based on SMS platform real-time interaction and method | |
| EP1469368B1 (en) | Security method and system with cross-checking based on geographic location data | |
| US20090150248A1 (en) | System for enhancing payment security, method thereof and payment center | |
| CN101964090A (en) | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards | |
| CN103164911B (en) | A kind of Swiping-card payment system and method | |
| WO2006021144A1 (en) | A system that realizes fund transfer by mobile telephone short message confirming mode and method thereof | |
| US20070187482A1 (en) | Point of Sale Transaction Method and System | |
| CN104715371A (en) | Safe payment method adopting voiceprint to identify identity and corresponding system | |
| CN102497354A (en) | Method, system and device for identifying user's identity | |
| KR20100138887A (en) | Sim chip bank system and method | |
| JP2008532157A (en) | Payment card transaction security method and authorization center to use this method | |
| EP1455317A2 (en) | Method for securing card transactions by using mobile device | |
| CN101751627A (en) | Bank card payment system and corresponding payment method used for non-face-to-face payment | |
| CN101009032A (en) | Auto-ticketing terminal system and implementation method thereof | |
| CN1987939A (en) | Method and system for withdrawing cash from bank special business account by mobile phone conferming mode | |
| CN102081768A (en) | China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming | |
| CN101964125B (en) | Mobile phone payment system authenticated by double communication paths and corresponding method | |
| CN102024216A (en) | System and method of fund receipt and payment through cell-phone | |
| CN101964091A (en) | System and method for realizing micro-payment through China Union Pay by adding contactless smart card to mobile phone | |
| CN103577980A (en) | Wireless payment change returning system and corresponding method | |
| CN106022753A (en) | POS secure payment method and system based on signaling network | |
| CN101146242A (en) | SMS confirmation telecommunication method for bank check encashing | |
| CN102129742A (en) | Method for preventing embezzlement of bank card | |
| KR101152892B1 (en) | Method and apparatus for mmanaging withdrawal with bank card |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| DD01 | Delivery of document by public notice |
Addressee: Huang Jinfu Document name: Written decision of reexamination |
|
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20090624 |