CN102004978A - Secure real-name payment system and method - Google Patents
Secure real-name payment system and method Download PDFInfo
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- CN102004978A CN102004978A CN2010105702290A CN201010570229A CN102004978A CN 102004978 A CN102004978 A CN 102004978A CN 2010105702290 A CN2010105702290 A CN 2010105702290A CN 201010570229 A CN201010570229 A CN 201010570229A CN 102004978 A CN102004978 A CN 102004978A
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Abstract
The invention discloses a secure real-name payment system and a secure real-name payment method, wherein the system comprises an authorized merchant platform, a real-name payment platform and at least a banking system; user information, merchant information and merchandise information of merchants are stored in the real-name payment platform, the user information contains names, ID card numbers and cell phone numbers, and the real-name payment platform binds the cell phone number of a user with the name and ID card number of the user; the real-name payment platform carries out security analysis and judgment on a transaction request sent from a user or merchant, and in case the legitimacies of the user information, the merchant information and the merchandise information of merchants pass the security verification, the real-name payment platform sends a payment request to the banking system; the banking system judges whether the payment request is legal, if so, the banking system carries out transaction processing; and further, the real-name payment platform is provided with a user analysis model, and after the transaction is completed, the real-name payment platform carries out security inspection on the action of the transaction, and then modifies the user analysis model according to the inspection results. The system of the invention is simple, easy to operate, secure and reliable.
Description
Technical field
The present invention relates to a kind of real name safety payment system, also relate to a kind of real name safe payment method, be used to buy the real name payment of commodity.
Background technology
Service business on Network Based is constantly development, for example purchase air ticket on the net, order hotel etc., the user is more and more higher for safety, modes of payments requirement easily, simultaneously, along with bank card use easy to carry, easy, the use of bank card is more and more general, and a lot of people have a more than bank card, at present no this technology of real name secure payment, make the present patent application.
Summary of the invention
Technology of the present invention is dealt with problems and is: a kind of real name safety payment system is provided, a kind of real name safe payment method also is provided.The present invention utilizes I.D. and name as the identification foundation, when buying real name commodity or service, adopts bank account to pay, and is simple and quick, safe and reliable.
Technical solution of the present invention is:
A kind of real name safety payment system provided by the invention, comprise authorized merchants platform, real name payment platform and at least one family banking system, described real name payment platform stores the merchandise news of user profile, merchant information and trade company, described user profile comprises name, ID (identity number) card No. and phone number, and the real name payment platform is with user's phone number and user's name and ID (identity number) card No. binding; The transaction request that described real name payment platform is sent user or trade company is carried out safety analysis and is judged, if the legitimacy of the merchandise news of user profile, merchant information and trade company by safety verification, then sends Payment Request to banking system; Described banking system judges whether this Payment Request is legal, if the legal transaction processing of then carrying out.
Further, described real name payment platform has the customer analysis model, and after this closing the transaction, described real name payment platform carries out safety verification to the behavior of this transaction, according to assay, the customer analysis model is revised; If the real name commodity that the user buys have dropped into application, so this user record is carried out time and again, described real name commodity are plane ticket, train ticket or lottery ticket etc.
The transaction request that described real name payment platform is sent user or trade company is carried out safety analysis and is judged, comprising:
Whether trade company is authorized merchants, and whether commodity are the commodity of this authorized merchants;
Ask for user profile to the user, the user informs the real name payment platform by its mobile phone with user profile;
Carry out user information retrieval, increase the single purchase record as if having this user in the historical record, then on this user's record, chasing after; If this user not in the historical record, then adding this user be new user, and user's phone number and user's name and ID (identity number) card No. are bound.
Described banking system judges whether legal process is this Payment Request: if address name and ID (identity number) card No. in this Payment Request have been recorded in the described banking system, then this user's identity is legal; Access this user all accounts in this banking system, whether sufficient according to the selected more voxels of user, judge whether transaction is feasible; Identity is legal and conclude the business feasiblely, assert that this Payment Request is legal.
Described bank account is debit card or credit card.
A kind of real name safe payment method provided by the invention may further comprise the steps:
(1) user selectes the commodity that will buy at the authorized merchants platform, and selects by which bank to pay;
(2) user or trade company send transaction request to the real name payment platform;
(3) the real name payment platform stores the merchandise news of user profile, merchant information and trade company, and described user profile comprises name, ID (identity number) card No. and phone number, and the real name payment platform is with user's phone number and user's name and ID (identity number) card No. binding; The transaction request that described real name payment platform is sent user or trade company is carried out safety analysis and is judged, if the legitimacy of the merchandise news of user profile, merchant information and trade company by safety verification, then sends Payment Request to banking system;
(4) banking system judges whether this Payment Request is legal, if the legal transaction processing of then carrying out.
Further, this method comprises that also the described real name payment platform of step (5) has the customer analysis model, and after this closing the transaction, described real name payment platform carries out safety verification to the behavior of this transaction, according to assay, the customer analysis model is revised; If the real name commodity that the user buys have dropped into application, so this user record is carried out time and again, described real name commodity are plane ticket, train ticket or lottery ticket etc.
The transaction request that described step (3) real name payment platform is sent user or trade company is carried out safety analysis and is judged, further may further comprise the steps:
(31) judge whether trade company is authorized merchants, and whether commodity are the commodity of this authorized merchants;
(32) ask for user profile to the user, the user informs the real name payment platform by its mobile phone with user profile;
(33) carry out user information retrieval, increase the single purchase record as if having this user in the historical record, then on this user's existing record, chasing after; If this user not in the historical record, then adding this user be new user, and user's phone number and user's name and ID (identity number) card No. are bound.
Described step (4) banking system judges that whether this Payment Request is legal, further may further comprise the steps:
(41) if address name and ID (identity number) card No. in this Payment Request have been recorded in the described banking system, then this user's identity is legal;
(42) access this user all accounts in this banking system, whether sufficient according to the selected more voxels of user, judge whether transaction is feasible;
(43) identity is legal and conclude the business feasiblely, assert that this Payment Request is legal.
Described bank account is debit card or credit card.
The present invention compared with prior art has following advantage: the user only need provide name and ID (identity number) card No., just can when the consumption payment, the I.D. relevant information be used as the means of payment, because bank computer system can guarantee the accuracy of user's I.D. relevant information when opening card, so by the present invention, the I.D. relevant information is become the reliable means of payment, can be more convenient and safe.
Description of drawings
Fig. 1 is according to real name safety payment system process flow diagram of the present invention.
Embodiment
Below with reference to accompanying drawing embodiments of the invention are described.
As shown in Figure 1, according to real name safety payment system of the present invention, comprise that the authorized merchants platform (can be a solid shop/brick and mortar store, also can be on-line shop), real name payment platform and at least one family banking system, database storing in the described real name payment platform has the merchandise news of user profile, merchant information and trade company, described user profile comprises name, ID (identity number) card No. and phone number, and the real name payment platform is with user's phone number and user's name and ID (identity number) card No. binding.
The transaction request that described real name payment platform is sent user or trade company is carried out safety analysis and is judged, comprising:
Whether a, trade company are authorized merchants, and whether commodity are the commodity of this authorized merchants;
B, ask for user profile to the user, the user informs the real name payment platform by its mobile phone (modes such as note, phone, Wap or Web) with described user profile;
C, carry out user information retrieval, if existing this user in the historical record, then on this user's record, chase after and increase the single purchase record; If this user not in the historical record, then adding this user be new user, and user's phone number and user's name and ID (identity number) card No. are bound.
If trade company is an authorized merchants, commodity are commodity of this authorized merchants, and user profile is errorless, and then these information send Payment Request by checking to banking system.
Described banking system judges whether this Payment Request is legal, if address name and ID (identity number) card No. in this Payment Request have been recorded in the described banking system, then this user's identity is legal; Access this user all accounts in this banking system, whether sufficient according to the selected more voxels of user, judge whether transaction is feasible; Identity is legal and conclude the business feasiblely, assert that this Payment Request is legal.Described bank account is debit card or credit card.
If the legal then banking system of Payment Request is carried out transaction processing.
Further, if real name commodity (as plane ticket, train ticket, lottery ticket etc.), so described real name payment platform also can carry out safety verification to the behavior of this transaction, if the real name commodity that the user buys have dropped into application, then this user record is carried out time and again.The real name payment platform has the customer analysis model, according to user's historical trading and behavioural information and current transaction and behavioural information correction user's risk rating system and credit system, its result influences user's purchase grade and the category scope that the user buys commodity.
According to real name safe payment method of the present invention, comprise the steps:
(1) bank account basic right people (being the user) selects real name commodity or the service that oneself will buy on the authorized merchants platform, and selects to carry out the bank of real name payment on the authorized merchants platform.
(2) user or trade company send transaction request to the real name payment platform, and the parameter of this transaction request transmission comprises the merchandise news of merchant information, trade company.
(3) real name payment platform transaction request that user or trade company are sent is carried out safety analysis and is judged, comprising:
A, if trade company be authorized merchants, commodity are commodity of this authorized merchants;
B, ask for user profile to the user, the user informs the real name payment platform by its mobile phone (modes such as note, phone, Wap or Web) with user profile;
C, carry out user information retrieval, if existing this user in the historical record, then on this user's existing record, chase after and increase the single purchase record; If this user not in the historical record, then adding this user be new user, and user's phone number and user's name and ID (identity number) card No. are bound.
If trade company is an authorized merchants, commodity are commodity of this authorized merchants, and user profile is errorless, and then these information send Payment Request by checking to banking system.
(4) after bank computer system is received this Payment Request, user profile is examined; Contain the information of deducting fees in the parameter of described Payment Request transmission.
The relevant information of submitting to when the banking computer accounting system opens an account with the bank address name and ID (identity number) card No. and this bank account basic right people is examined, and after credit verification was errorless, bank computer system was finished and deducted fees.
If bank account basic right people has two or two above accounts in same bank, then this bank account basic right people need submit back four of payment account to, and the banking computer accounting system is examined once more, examines to finish after errorless and deducts fees.
(5) after the Transaction Success, bank computer system whether the information feedback of Successful Transaction to bank account basic right people, authorized merchants and real name payment platform.
If real name commodity (as plane ticket, train ticket, lottery ticket etc.), so described real name payment platform also can carry out safety verification to the behavior of this transaction, if the real name commodity that the user buys have dropped into application, then this user record is carried out time and again.The real name payment platform has the customer analysis model, according to user's historical trading and behavioural information and current transaction and behavioural information correction user's risk rating system and credit system, its result influences user's purchase grade and the category scope that the user buys commodity.
Bank account basic right people is in the process of selecting mandate businessman to pay, and the parameter information conveying flow is as follows:
1) bank account basic right people is at the authorized merchants platform, select the own commodity of being bought, according to the requirement of authorizing businessman's platform, fill in bank account basic right people's such as (1) consignee's name (2) consignee's ID (identity number) card No. (3) consignee MSN/QQ (4) consignee's address (5) consignee's phone/cell-phone number (6) consignee's postcode (7) consignee E-MAIL the payment and the relevant information of receiving;
2) bank account basic right people selects the real name payment platform, authorized merchants is with recording user information, and user profile is committed to the real name payment platform, and authorized merchants transmission information is that (1) trade company numbering (2) trade company order number (3) user mobile phone number (4) IP address (5) order total charge (6) order produces date (7) payment Currency Type (8) modes of payments (9) payment result page URL;
3) after the real name payment platform is collected above information and correction, real name is paid required information be committed to bank computer system, real name payment institute's submission information following (1) bank account basic right people ID (identity number) card No. (2) bank account basic right people's name (3) order total charge (4) order produces date (5) payment Currency Type (6) modes of payments (7) trade company numbering;
4) after bank computer system is received the information of real name payment system, (1) bank account basic right people's ID (identity number) card No. (2) bank account basic right people's name (3) order total charge (4) payment Currency Type is deducted fees to bank account basic right people;
When 5) bank computer system is examined bank account basic right people information and is not inconsistent, the information that will not be inconsistent is passed to the real name payment platform, the real name payment platform by authorizing businessman or user feedback information again, submits to bank computer system to examine information feedback mandate businessman or user.
6) the real name payment platform has the customer analysis model, according to user's historical trading and behavioural information and current transaction and behavioural information correction user's risk rating system and credit system, its result influences user's purchase grade and the category scope that the user buys commodity.
Embodiment: the user buys the E-ticket flow process of authorized merchants
With two users of user A, B is example, is chosen in authorized merchants C place and purchases the air ticket, and process of purchase is:
1) user A holds a bank card, and the I.D. name is: A, and ID (identity number) card No. is:
111111111111111111；
2) user A need buy an air ticket, and it has selected authorized merchants C, selects to have bought an air ticket at authorized merchants C place, and selects the mode of real name payment to pay;
3) user A imports subscriber phone number on the real name payment platform, as phone number is 13811111111, whether real name payment platform checking party A-subscriber is new user, as the party A-subscriber is new user, and system will pay the successfully automatic binding in back party A-subscriber's phone number and I.D. and ID (identity number) card No. information;
4) user A is committed to authorized merchants C place with I.D. name and ID (identity number) card No. by its mobile phone (modes such as note, phone, Wap or Web), authorized merchants C is committed to the real name payment platform with user profile and sequence information, and the relevant information with user A after the checking of real name payment platform is committed to bank;
5) the selected account of the I.D. name of bank checking user A and ID (identity number) card No. and A conforms to and the remaining sum abundance, and then user A pays successfully, simultaneously, and the then automatic trading activity of recording user A in system of real name payment platform.
6) according to the trading activity of user A, set up the analytical model of user A, when user A oneself purchases the air ticket after 3 times, can purchase the air ticket simultaneously for user A and user B simultaneously.
7) after user A successfully purchases the air ticket more than 6 times for user B, model analysis according to user A, user B can submit to payment information to the real name payment platform, for user B purchases the air ticket by the mode of intelligence transmission identical with user A such as note, phone, Wap or Web etc.
8) user A is carried out after historical trading and behavior and current transaction analyze, user A can adjust payment, the payment number of times of oneself and the commodity that can buy are adjusted to non-real name commodity (as books, household items, 3C commodity) etc. from air ticket.
The content that is not described in detail in the instructions of the present invention belongs to this area professional and technical personnel's known technology.
The present invention is not limited to the protection content that claim and specific embodiment are addressed, so long as any invention of creating out according to design of the present invention all should belong within protection scope of the present invention.
Claims (10)
1. real name safety payment system, it is characterized in that: comprise authorized merchants platform, real name payment platform and at least one family banking system, described real name payment platform stores the merchandise news of user profile, merchant information and trade company, described user profile comprises name, ID (identity number) card No. and phone number, and the real name payment platform is with user's phone number and user's name and ID (identity number) card No. binding; The transaction request that described real name payment platform is sent user or trade company is carried out safety analysis and is judged, if the legitimacy of the merchandise news of user profile, merchant information and trade company by safety verification, then sends Payment Request to banking system; Described banking system judges whether this Payment Request is legal, if the legal transaction processing of then carrying out.
2. real name safety payment system according to claim 1, it is characterized in that: described real name payment platform has the customer analysis model, after this closing the transaction, described real name payment platform carries out safety verification to the behavior of this transaction, according to assay, the customer analysis model is revised; If the real name commodity that the user buys have dropped into application, so this user record is carried out time and again, described real name commodity are plane ticket, train ticket or lottery ticket.
3. real name safety payment system according to claim 1 is characterized in that: the transaction request that described real name payment platform is sent user or trade company is carried out safety analysis and is judged, comprising:
Whether trade company is authorized merchants, and whether commodity are the commodity of this authorized merchants;
Ask for user profile to the user, the user informs the real name payment platform by its mobile phone with user profile;
Carry out user information retrieval, increase the single purchase record as if having this user in the historical record, then on this user's record, chasing after; If this user not in the historical record, then adding this user be new user, and user's phone number and user's name and ID (identity number) card No. are bound.
4. real name safety payment system according to claim 1, it is characterized in that: described banking system judges whether legal process is this Payment Request: if address name and ID (identity number) card No. in this Payment Request have been recorded in the described banking system, then this user's identity is legal; Access this user all accounts in this banking system, whether sufficient according to the selected more voxels of user, judge whether transaction is feasible; Identity is legal and conclude the business feasiblely, assert that this Payment Request is legal.
5. real name safety payment system according to claim 4 is characterized in that: described bank account is debit card or credit card.
6. a real name safe payment method is characterized in that, may further comprise the steps:
(1) user selectes the commodity that will buy at the authorized merchants platform, and selects by which bank to pay;
(2) user or trade company send transaction request to the real name payment platform;
(3) the real name payment platform stores the merchandise news of user profile, merchant information and trade company, and described user profile comprises name, ID (identity number) card No. and phone number, and the real name payment platform is with user's phone number and user's name and ID (identity number) card No. binding; The transaction request that described real name payment platform is sent user or trade company is carried out safety analysis and is judged, if the legitimacy of the merchandise news of user profile, merchant information and trade company by safety verification, then sends Payment Request to banking system;
(4) banking system judges whether this Payment Request is legal, if the legal transaction processing of then carrying out.
7. real name safe payment method according to claim 6, it is characterized in that: this method comprises that also the described real name payment platform of step (5) has the customer analysis model, after this closing the transaction, described real name payment platform carries out safety verification to the behavior of this transaction, according to assay, the customer analysis model is revised; If the real name commodity that the user buys have dropped into application, so this user record is carried out time and again, described real name commodity are plane ticket, train ticket or lottery ticket.
8. real name safe payment method according to claim 6 is characterized in that: the transaction request that described step (3) real name payment platform is sent user or trade company is carried out safety analysis and is judged, further may further comprise the steps:
(31) judge whether trade company is authorized merchants, and whether commodity are the commodity of this authorized merchants;
(32) ask for user profile to the user, the user informs the real name payment platform by its mobile phone with user profile;
(33) carry out user information retrieval, increase the single purchase record as if having this user in the historical record, then on this user's existing record, chasing after; If this user not in the historical record, then adding this user be new user, and user's phone number and user's name and ID (identity number) card No. are bound.
9. real name safe payment method according to claim 6 is characterized in that: described step (4) banking system judges that whether this Payment Request is legal, further may further comprise the steps:
(41) if address name and ID (identity number) card No. in this Payment Request have been recorded in the described banking system, then this user's identity is legal;
(42) access this user all accounts in this banking system, whether sufficient according to the selected more voxels of user, judge whether transaction is feasible;
(43) identity is legal and conclude the business feasiblely, assert that this Payment Request is legal.
10. real name safe payment method according to claim 9 is characterized in that: described bank account is debit card or credit card.
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| CN2010105702290A CN102004978A (en) | 2010-12-02 | 2010-12-02 | Secure real-name payment system and method |
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Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102880959A (en) * | 2012-09-18 | 2013-01-16 | 汇付天下有限公司 | Quick internet payment method and system |
| WO2013040916A1 (en) * | 2011-09-20 | 2013-03-28 | 腾讯科技（深圳）有限公司 | Transaction payment method and system |
| WO2014032207A1 (en) * | 2012-08-30 | 2014-03-06 | Wong Kamfu | Bank card accounting system with dynamic risk management and corresponding method |
| CN104751318A (en) * | 2015-04-24 | 2015-07-01 | 湖南省无疆信息科技有限公司 | Dangerous goods flow management system based on retail terminal real-name registration purchase |
| CN104867010A (en) * | 2015-05-20 | 2015-08-26 | 杨淼彬 | User friendly payment method |
| CN105577678A (en) * | 2016-01-13 | 2016-05-11 | 阿里巴巴集团控股有限公司 | Real-name authentication method and device of account |
| CN105590055A (en) * | 2014-10-23 | 2016-05-18 | 阿里巴巴集团控股有限公司 | Method and apparatus for identifying trustworthy user behavior in network interaction system |
| CN106688004A (en) * | 2015-11-16 | 2017-05-17 | 华为技术有限公司 | Transaction authentication method, device, mobile terminal, POS terminal and server |
| WO2017211106A1 (en) * | 2016-06-07 | 2017-12-14 | 华为技术有限公司 | Data processing method, and related apparatus and system |
| CN109389383A (en) * | 2017-08-07 | 2019-02-26 | 北京嘀嘀无限科技发展有限公司 | Payment processing method, device, server and the storage medium of service request |
| CN109872169A (en) * | 2017-12-01 | 2019-06-11 | 我查查信息技术(上海)有限公司 | Method based on bio-identification optimization sale |
| US10528946B2 (en) | 2013-11-06 | 2020-01-07 | Tencent Technology (Shenzhen) Company Limited | System and method for authenticating, associating and storing secure information |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2013040916A1 (en) * | 2011-09-20 | 2013-03-28 | 腾讯科技（深圳）有限公司 | Transaction payment method and system |
| WO2014032207A1 (en) * | 2012-08-30 | 2014-03-06 | Wong Kamfu | Bank card accounting system with dynamic risk management and corresponding method |
| CN104685519A (en) * | 2012-08-30 | 2015-06-03 | 黄金富 | Bank card accounting system with dynamic risk management and corresponding method |
| CN102880959A (en) * | 2012-09-18 | 2013-01-16 | 汇付天下有限公司 | Quick internet payment method and system |
| US10528946B2 (en) | 2013-11-06 | 2020-01-07 | Tencent Technology (Shenzhen) Company Limited | System and method for authenticating, associating and storing secure information |
| CN105590055A (en) * | 2014-10-23 | 2016-05-18 | 阿里巴巴集团控股有限公司 | Method and apparatus for identifying trustworthy user behavior in network interaction system |
| CN105590055B (en) * | 2014-10-23 | 2020-10-20 | 创新先进技术有限公司 | Method and device for identifying user credible behaviors in network interaction system |
| CN104751318A (en) * | 2015-04-24 | 2015-07-01 | 湖南省无疆信息科技有限公司 | Dangerous goods flow management system based on retail terminal real-name registration purchase |
| CN104867010A (en) * | 2015-05-20 | 2015-08-26 | 杨淼彬 | User friendly payment method |
| CN106688004A (en) * | 2015-11-16 | 2017-05-17 | 华为技术有限公司 | Transaction authentication method, device, mobile terminal, POS terminal and server |
| WO2017084013A1 (en) * | 2015-11-16 | 2017-05-26 | 华为技术有限公司 | Transaction authentication method, device, mobile terminal, pos terminal and server |
| CN105577678B (en) * | 2016-01-13 | 2018-11-09 | 阿里巴巴集团控股有限公司 | The real name identification method and device of account |
| CN109361691A (en) * | 2016-01-13 | 2019-02-19 | 阿里巴巴集团控股有限公司 | The real name identification method and device of account |
| CN109617860B (en) * | 2016-01-13 | 2021-10-22 | 创新先进技术有限公司 | Real-name authentication method and device for account |
| CN109617860A (en) * | 2016-01-13 | 2019-04-12 | 阿里巴巴集团控股有限公司 | The real name identification method and device of account |
| CN109361691B (en) * | 2016-01-13 | 2021-07-20 | 创新先进技术有限公司 | Real-name authentication method and device for account |
| CN105577678A (en) * | 2016-01-13 | 2016-05-11 | 阿里巴巴集团控股有限公司 | Real-name authentication method and device of account |
| WO2017211106A1 (en) * | 2016-06-07 | 2017-12-14 | 华为技术有限公司 | Data processing method, and related apparatus and system |
| US11436573B2 (en) | 2016-06-07 | 2022-09-06 | Huawei Technologies Co., Ltd. | Data processing method, related apparatus, and system |
| CN109389383A (en) * | 2017-08-07 | 2019-02-26 | 北京嘀嘀无限科技发展有限公司 | Payment processing method, device, server and the storage medium of service request |
| CN109872169A (en) * | 2017-12-01 | 2019-06-11 | 我查查信息技术(上海)有限公司 | Method based on bio-identification optimization sale |
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