CN102298741A - Method for guaranteeing safety of transaction as well as corresponding equipment and computer program thereof - Google Patents
Method for guaranteeing safety of transaction as well as corresponding equipment and computer program thereof Download PDFInfo
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- CN102298741A CN102298741A CN2010102209367A CN201010220936A CN102298741A CN 102298741 A CN102298741 A CN 102298741A CN 2010102209367 A CN2010102209367 A CN 2010102209367A CN 201010220936 A CN201010220936 A CN 201010220936A CN 102298741 A CN102298741 A CN 102298741A
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- portable terminal
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Abstract
The invention relates to a method for guaranteeing safety of transaction which is carried out by virtue of an electronic card. According to the method, the electronic card is at least matched with a mobile terminal, wherein a bank mechanism in charge of managing the transaction presets and records an identifier for the mobile terminal in data related to the owner of the card. The method comprises the following steps of: transmitting, namely, transmitting at least one first signal with identifier information by virtue of the mobile terminal; receiving, namely, receiving the first signal by virtue of at least one transacting device approaching to the mobile terminal; transmitting, namely, transmitting a second signal including at least one piece of information to at least one remote bank mechanism by virtue of the transacting device; and distributing, namely, distributing the second signal to the transaction relating to the electronic card by virtue of the control server of the bank mechanism, distributing the information representing a closeness extent between the electronic card and the mobile terminal by virtue of the control server of the bank mechanism, according to the second signal received by the bank mechanism.
Description
Technical field
The field of the invention is the transaction of being undertaken by traction equipment, for example the transaction of carrying out with electronic payment terminal or Automatic Teller Machine.
More particularly, the present invention relates to the security of this transaction and the improvement of trackability.
Prior art
A technology of typically guaranteeing transaction security comprises the electronic cards that relates to by in the personal identification number authenticating transactions known to the holder, for example password of one 4 bit digital.But this technology is also not exclusively reliable, because password may be found in this case, for example is observed when password is transfused to, and perhaps retrieves by program, steals the card of coming there so that use from the holder.
For overcoming these shortcomings, the security that some technology are strengthened concluding the business by the biological identification that increases the holder is especially for example obtained fingerprint, speech recognition etc.
Yet, owing to need to use biometric sensor, use costing an arm and a leg of these technology, and because the user need provide fingerprint, make these technology and inconvenient, they are because length consuming time makes transaction complicated more.
Goal of the invention
The objective of the invention is to overcome the deficiencies in the prior art part.
More particularly, according at least one embodiment, the object of the present invention is to provide a kind of method of strengthening transaction security and authentication.
Furtherly, the present invention aims to provide a kind of technology, makes not require that in transaction the user has any extra operation or behavior.
Another object of the present invention provides a kind of technology, and this technology does not relate to the restriction of validate transactions and checking.
Summary of the invention
The invention provides a kind of solution that does not comprise the defective that exists in any prior art, show as a kind of method of transaction security when guaranteeing to conclude the business by the electronic cards mode.
According to the present invention, the described electronic cards portable terminal of arranging in pairs or groups at least, the banking institution that wherein is in charge of transaction with everyone relevant data of described card in be identifier of described portable terminal preset recording, this method comprises step:
-transmission is transmitted first signal that at least one has identifier information by described portable terminal;
-receive, receive described first signal by at least one traction equipment near portable terminal;
-transmission comprises the secondary signal of at least one described information at least one remote bank mechanism by described traction equipment transmission;
-distribute, Control Server by banking institution is assigned in the transaction that relates to described electronic cards, and the Control Server by banking institution distributes the information of the next-door neighbour's degree between described electronic cards of representative and the described portable terminal, the described secondary signal that receives according to described banking institution.
Therefore, the present invention is based on and a kind ofly new guarantees transaction security with creationary method, and its utilization electronic cards holder's portable terminal, particularly mobile phone and the next-door neighbour's degree between the traction equipment are added extra factor and guaranteed the safety of concluding the business.
In fact, if the holder's of the electronic cards that transaction relates to portable terminal near traction equipment, perhaps was in apart from traction equipment in the very short time period before or after transmission, then this transaction has been carried out by the holder probably.
On the contrary, if bank card is stolen and used by the robber, holder's portable terminal also keeps clear of traction equipment usually, and transaction promptly is marked as " suspicious ".
According to a specific embodiment of the present invention, guarantee that safe method comprises the following steps:
-determine the distance between described portable terminal and the described traction equipment, by representing the information of the next-door neighbour's degree between described electronic cards and the described portable terminal;
-refuse described transaction during greater than predetermined threshold and/or generate warning when described distance.
Therefore, if the portable terminal that the Control Server of banking institution is determined the holder that relates in the transaction is not within the next-door neighbour's degree between predetermined and the traction equipment, perhaps very far away apart from traction equipment on the contrary, banking institution can give the alarm to the holder, for example makes a phone call to confirm the validity of concluding the business.
Particularly described predetermined threshold is determined by the information institute elapsed time of determining described representative next-door neighbour degree.
In fact, acceptable distance changes, and decides based on determining next-door neighbour's required time of degree information, also will consider the time of concluding the business.
For example, if banking institution receives a signal from a traction equipment, the portable terminal that shows the user appears at place X, and transaction took place after 30 minutes, at the place Y of 2 kilometers of distances, the Control Server of banking institution must be considered the threshold value of elapsed time (promptly 30 minutes) to determine to be suitable for.In fact, the user might walk 2 kilometers distance in 30 minutes.
In addition, if transaction several hrs after banking institution receives signal just takes place, Control Server can be according to institute's elapsed time, considers next-door neighbour's degree information and determines that transaction is expired.
In addition, whenever the close use traction equipment of the present invention of holder's portable terminal, it can transmit signal and determine the position of portable terminal for the server of banking institution.The server of banking institution is determined the position that portable terminal is new, and upgrades current information, so that at any time determine the information of the up-to-date next-door neighbour's degree of representative.
According to concrete characteristics of the present invention, described information comprises that at least one bank's reference information and at least one addressing information specify described banking institution.
Therefore, the information that is transmitted by portable terminal not only comprises described identifiers of terminals, the equipment that makes can be discerned it (in order to respond it, perhaps with the banking institution of information transmission), the information of the card that also comprises GC group connector possessor bank account and be correlated with, and traction equipment sends banking institution's information of secondary signal.
For example, information can comprise the bank account number, perhaps relevant with bank account electronics card number, and a telephone number or an e-mail address of being in charge of the banking institution of described bank account.
Like this traction equipment can or the receiver (banking institution) of its information of sending, show position thus by the portable terminal of its identification.
According to a specific embodiment of the present invention, described first signal is according to a kind of technical transmission that belongs in the following mechanics of communication group:
-" bluetooth " technology;
-" WLAN " technology;
-" radio-frequency (RF) identification " technology;
-" near-field communication " technology;
-infrared technique.
Therefore, the different embodiment according to the present invention, the interchange between traction equipment and the portable terminal is undertaken by different technology by different types of portable terminal.
The invention still further relates to a kind of traction equipment by using electronic cards to conclude the business.
According to the present invention, described electronic cards at least one portable terminal of arranging in pairs or groups, the banking institution that wherein is in charge of transaction with everyone relevant data of described card in be identifier of described portable terminal preset recording, wherein said traction equipment comprises:
-receiving trap receives first signal that at least one comprises described identifier information from portable terminal;
-transmitting device, transmission comprise the secondary signal of at least one described information at least one banking institution.
This traction equipment is applicable to especially implements the above-mentioned step of guaranteeing the method for transaction security.For example, this equipment is electronic payment terminal, perhaps Automatic Teller Machine.
Another aspect of the present invention also relates to a kind of bank server of being in charge of the transaction of using electronic cards, and wherein said electronic cards at least one portable terminal of arranging in pairs or groups comprises:
-being used in everyone the relevant data with described card is the device of an identifier of described mobile terminal records;
-be used for receiving at least one and comprise the device of the signal of described identifier information from traction equipment;
-be used for determining to represent the device that is close to the information of degree between described electronic cards and the described portable terminal a transaction that relates to described electronic cards.
This bank server is applicable to especially implements the above-mentioned step of guaranteeing the method for transaction security.
The invention still further relates to a portable terminal, comprise at least one traction equipment and transmit the transmission of Information device that at least one comprises identifier.
This portable terminal is applicable to especially implements the above-mentioned step of guaranteeing the method for transaction security.For example, this portable terminal can be mobile phone, perhaps PDA(Personal Digital Assistant).
At last, the present invention relates to one can be at the computer program of downloading and/or can being recorded in computer-readable medium and/or can moving on processor on the communication network, comprising the code instructions of the above-mentioned method that ensures safety really of operation, when it is performed on the bank server.
Description of drawings
After the following description of having read the preferred embodiment of the invention that property and limiting examples are as an illustration provided and accompanying drawing, other features and advantages of the present invention will be appeared in one's mind out, in the accompanying drawing:
Fig. 1 is an example of carrying out a system of the present invention according to an embodiment;
Fig. 2 is according to first embodiment, implements to guarantee the key step of safe method in system shown in Figure 1;
Fig. 3 is according to second key step that embodiment is concluded the business of the present invention;
Fig. 4 is according to the 3rd key step that embodiment is concluded the business of the present invention.
Embodiment
Total principle
Total principle of the present invention is the position of the electronic cards holder that determines to relate in the bank transaction portable terminal of being correlated with, and determines the next-door neighbour's degree of holder and this card in exchange hour by his or her portable terminal.
This next-door neighbour's degree information is determined by the server of being in charge of the banking institution that relates to the transaction of problem electronic cards, and can be added extra factor for guaranteeing transaction security.
In fact, in exchange hour, the distance between holder and the card is far, can cause the vigilant of bank server and produce extra trade confirmation behavior (as phoning the holder before validate transactions, send alarm stoping transaction to traction equipment, or the like).
First embodiment
Fig. 1 is an example of carrying out a system of the present invention according to first embodiment.
10 is traction equipment, and for example electronic payment devices has user U near it, holds a portable terminal 11, comprises at least one transmit antenna 111 and an electronic cards 12.
The bank account of described user U, the particularly transaction of being undertaken by electronic cards 12 have a banking institution to manage, and this mechanism stores and the relevant information of concluding the business with server 13, and it is also referred to as Control Server.
According to this embodiment of the present invention, traction equipment 10 can with the portable terminal 11 of user U, for example a mobile phone exchanges, and further says so to receive and handle the signal S1 that is transmitted by it nearby the time as user U.
According to this embodiment, traction equipment 10 can also send the server 13 of signal S2 to banking institution after receiving signal S1.
With reference to figure 2 as can be known, guarantee that the key step of safe method will be described in first embodiment of the present invention, this step is implemented in system shown in Figure 1.
When user U when the traction equipment 10, according to step 20, portable terminal 11 transmission of user U comprise the first signal S1 of the identifier of portable terminal 11 especially.For example, this identifier can be a telephone number so that portable terminal is identified, or the sequence number of storage card, or the like.
This signal S1 is received and is handled by traction equipment 10, and the secondary signal S2 that sends the identifier that comprises portable terminal 11 in step 21 is to bank server 13.
According to this embodiment, bank server 13 receives also handles this signal S2, to extract information wherein and be used for determining holding the position of portable terminal 11 of the user U of card 12 in the given time.
In step 23, in the transaction (perhaps according to after the transaction shown in the embodiment), Control Server is in exchange hour, and 13 according to typical transaction information and by the information of obtaining among the signal S2, determines the holder U of card 12 and the next-door neighbour's degree information between the card 12.
Second embodiment
With reference to figure 3 as can be known, guarantee the key step of safe method, and the step relevant with transaction itself will be described in second embodiment of the present invention.
As shown in Figure 1, user U holds electronic cards 12 and mobile phone 11.The electronic cards 12 that transaction relates to is by server 13 management of banking institution.
The portable terminal 11 of user U can be implemented this method according to this embodiment, and the identifier of this portable terminal is to be prerecorded according to the information relevant with electronic cards 2 by server 13 in step 30.
For example, a telephone number that is associated with portable terminal 11, a sequence number, perhaps serviced device 13 records of recognition code, and set up relatedly with the information of electronic cards, and for example interrelate with number of the account, recognition code, possessory contact method, or the like.
In addition, can think that quantity is the traction equipment D of n
iCan implement this method according to this embodiment, and can be assigned to a lot of shop (for example electronic payment terminal), dining room (for example electronic payment terminal), market (for example Automatic Teller Machine), or the like.
Thus, the portable terminal 11 that writes down in advance whenever server is positioned at these equipment D
iAny equipment near the time, it will send signal S1 to described equipment D
i(step 20).
In fact, according to this embodiment, portable terminal 11 can detect the equipment D that closes on
iAnd to its transmission signal S1.
According to a selectable embodiment, equipment D
iCan detect portable terminal 11, and send to its information, require it to use the signal feedback that comprises identifier.Portable terminal sends signal S1 to respond traction equipment D then
iRequirement.
This signal S1 can transmit by multiple short-range communication technique, for example, and " bluetooth ", " WLAN ", " radio-frequency (RF) identification ", " near-field communication ", perhaps infrared technique.
This first signal S1 comprises the information of the identifier that portable terminal 11 is particularly arranged.This signal S1 can also comprise can mechanism of Confirm Bank information, be server 13 furtherly, consider subsequently by equipment D
iSend to the signal of described server.
For example, the information of signal S1 can comprise the addresses of items of mail that can relate to server 13, and perhaps one is used for transmission information to network address of server, or the like.
Equipment D
iCan receive and handle this signal, in step 21, send signal S2 then to Control Server 13.This signal S2 also includes the information of identifier.Signal S2 also comprises equipment D in addition
iIdentifying information, be used for determining the position of portable terminal 11 thus especially, and timestamp information writes down the 11 needed times of portable terminal of determining.
Signal S2 can be with note, and the form of phone or Email sends.
Signal S2 can be received and handle by the server 13 of banking institution.For example, server is the information that comprises among the signal S2 under the follow-up step record, perhaps directly therefrom obtains Useful Information and notes in order to follow-up use.Useful Information is meant, the identifier of portable terminal 11 for example, equipment D
iIdentifying information, determine the time that the position needs, or the like.
Receive the signal that a large amount of and identical portable terminal 11 is relevant continuously when Control Server, that is, above-mentioned step is to a lot of equipment D
iImplement, server can upgrade corresponding information.For example, its D that can update the equipment
iIdentifying information, and time of confirming relevant position.Like this, the Control Server storage is the latest position information of given portable terminal.
When in transaction, using electronic cards 12, for example by equipment D
m, the typical exchange relevant with this transaction is as described below:
In-the step 31, discern the card 12 that uses in the transaction by the mode that the PIN (Personal Identification Number) PIN that the holder provides is arranged.The information of card and recognition code send banking institution to by first telephone network server 13;
In-the step 32, confirm the transaction carried out by banking institution 13, for example, the avail on the customer account of Que Dinging before.The result who confirms is sent to equipment D by first telephone network
mOn;
-step 33 is for passing through traction equipment D
mTransmitting the debit data to the server of banking institution 13, also is by first telephone network;
-step 34 is for determining transaction step;
-step 35 is the relevant data of record transaction in the database of bank server 13.
Can think traction equipment D
mGuarantee safe method according to the invention process.Accordingly, it can not send signal S2 to the Control Server of banking institution, with the position of the holder's of affirmation electronic cards 12 portable terminal 11 in exchange hour.
Can also think and guarantee that safe method is in exchange hour, be undertaken by Control Server 13, make validate transactions thus, perhaps the portable terminal 11 of the possessor U by phoning card 12 sends an alarm.
For example, the step of next-door neighbour's degree information can implemented exemplary steps 32 between step 22 is determined card possessor's portable terminal and blocked, and carries out after the situation that the affirmation transaction is carried out.
Therefore, when server is noticed the transaction that relates to card 12, the canned datas that its meeting is correlated with according to card 12, and slave unit D
iThe latest position information that receives is determined next-door neighbour's degree.For example, up-to-date portable terminal 11 positions and the traction equipment D of representative
mBetween the information of distance serviced device is calculated.
This distance is set as predetermined threshold, is used for determining transaction whether " suspicious ".This more also can take into account the time and the exchange hour of up-to-date portable terminal 11, whether covers described distance if having time to determine portable terminal 11.
For example, if greater than this predetermined value, then can inferring, calculated distance infers portable terminal that the holder holds not at traction equipment D
mNear.Then probably block possessor and everyone and do not carry his or his portable terminal.Yet, might the holder be yet card everyone the possessor of portable terminal 11 (therefore neither), but people who has stolen described card and wished to use.
If distance is bigger than predetermined threshold value, transaction will can not come into force, and can send an alarm in step 36.This alarm comprises, and for example, the contact details of portable terminal 11 are implemented with this possessor who is actually everyone and portable terminal of card that confirms to conclude the business.
If distance is shorter than subscribing threshold value, transaction will come into force, and following step (33 to 35) also can be implemented.
According to a selectable embodiment, can think traction equipment D
mCan be according to the invention process this method.In exchange hour, or before, if hold portable terminal 11 card everyone at traction equipment D
mNear, it will receive first information S1.Traction equipment D
mSend secondary signal S2 to the positional information of server 13 with transmission portable terminal 11.
But, if electronic cards is stolen or the holder does not have portable terminal 11, traction equipment D
mCan not send signal S2 to server 13, it can use canned data.If exist also effectively, the positional information that arrives up-to-date portable terminal 11 is to determine next-door neighbour's degree information.
According to another optional embodiment, when server not before the transaction or among receive traction equipment D
mPositional information, Control Server can think the transaction be suspicious.Control Server can be implemented the present invention.
The 3rd embodiment
With reference to figure 4 as can be known, guarantee that the key step of safe method and the step relevant with transaction itself will be described in the 3rd embodiment of the present invention.
In this embodiment practice (so the step of present embodiment is no longer narrated) same as shown in Figure 3, exception exists and step 22, determines the step of next-door neighbour's degree information, after finishing, transaction implements, rather than when transaction is carried out, implement.
Therefore, transaction is carried out under normal conditions, and Control Server is implementation step 22 subsequently, for example every night in order to check one day transaction situation, and alarm step 36 if needed.
This mode is not used extra affirmation step, can not prolong the time of transaction, but still can detect the transaction of " suspicious " and send alarm to everyone.
Alarm can be sent in the mode of being not only phone, for example, and the Email that an envelope is urgent, perhaps note.
Claims (11)
1. be used to guarantee the method for the safety when concluding the business by electronic cards, the wherein said electronic cards portable terminal of arranging in pairs or groups at least, the banking institution that wherein is in charge of transaction with everyone relevant data of described card in be identifier of described portable terminal preset recording, this method comprises step:
-transmission is transmitted first signal that at least one has identifier information by described portable terminal;
-receive, receive described first signal by at least one traction equipment near portable terminal;
-transmission comprises the secondary signal of at least one described information at least one remote bank mechanism by described traction equipment transmission;
-distribute, Control Server by banking institution is assigned in the transaction that relates to described electronic cards, and the Control Server by banking institution distributes the information of the next-door neighbour's degree between described electronic cards of representative and the described portable terminal, the described secondary signal that receives according to described banking institution.
2. the method that is used to guarantee transaction security according to claim 1, it may further comprise the steps:
-determine the distance between described portable terminal and the described traction equipment, by representing the information of the next-door neighbour's degree between described electronic cards and the described portable terminal;
-refuse described transaction during greater than predetermined threshold and/or generate warning when described distance.
3. according to arbitrary claim 1 and the 2 described methods of guaranteeing transaction security, wherein said predetermined threshold is determined by the information institute elapsed time of determining described representative next-door neighbour degree.
4. according to the described method of guaranteeing transaction security of arbitrary claim in the claim 1 to 3, wherein said information comprises that at least one bank's reference information and at least one addressing information specify described banking institution.
5. according to the described method of guaranteeing transaction security of arbitrary claim in the claim 1 to 4, wherein said first signal is according to a kind of technical transmission that belongs in the following mechanics of communication group:
-" bluetooth " technology;
-" WLAN " technology;
-" radio-frequency (RF) identification " technology;
-" near-field communication " technology;
-infrared technique.
6. be used for the traction equipment of concluding the business by the mode of electronic cards, wherein said electronic cards at least one portable terminal of arranging in pairs or groups, the banking institution that wherein is in charge of transaction with everyone relevant data of described card in be identifier of described portable terminal preset recording, wherein said traction equipment comprises:
-receiving trap receives first signal that at least one comprises described identifier information from portable terminal;
-transmitting device, transmission comprise the secondary signal of at least one described information at least one banking institution.
7. be used to manage the bank server of concluding the business by electronic cards, wherein said electronic cards at least one portable terminal of arranging in pairs or groups, wherein said bank server comprises:
-being used in everyone the relevant data with described card is the device of an identifier of described mobile terminal records;
-be used for receiving at least one and comprise the device of the signal of described identifier information from traction equipment;
-be used for determining to represent the device that is close to the information of degree between described electronic cards and the described portable terminal a transaction that relates to described electronic cards.
8. portable terminal wherein comprises at least one traction equipment and sends the device that at least one comprises the signal of an identifier information.
One can be at the computer program of downloading on the communication network and/or can being recorded in computer-readable medium and/or can on processor, moving, comprising moving according to the described code instructions of guaranteeing safe method of at least one claim in the claim 1 to 5, when it is performed on the traction equipment.
One can be at the computer program of downloading on the communication network and/or can being recorded in computer-readable medium and/or can on processor, moving, comprising moving according to the described code instructions of guaranteeing safe method of at least one claim in the claim 1 to 5, when it is performed on the portable terminal.
11. one can be at the computer program of downloading and/or can being recorded in computer-readable medium and/or can moving on processor on the communication network, comprising moving according to the described code instructions of guaranteeing safe method of at least one claim in the claim 1 to 5, when it is performed on the bank server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010220936.7A CN102298741B (en) | 2010-06-22 | For guaranteeing the method for transaction security and corresponding equipment thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010220936.7A CN102298741B (en) | 2010-06-22 | For guaranteeing the method for transaction security and corresponding equipment thereof |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN102298741A true CN102298741A (en) | 2011-12-28 |
| CN102298741B CN102298741B (en) | 2016-12-14 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107004186A (en) * | 2014-11-04 | 2017-08-01 | 源讯科技公司 | Merchandised by payment devices and simplifying for communication terminal |
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| CN1399216A (en) * | 2001-07-23 | 2003-02-26 | 株式会社Ntt都科摩 | Electronic payment method, system and device |
| 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 |
| CN101281670A (en) * | 2008-05-07 | 2008-10-08 | 裴亚军 | RFID mobile phone card-brushing transaction system |
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| WO1998006214A1 (en) * | 1996-08-08 | 1998-02-12 | Raymond Anthony Joao | Financial transaction, authorization, notification and security apparatus |
| CN1260895A (en) * | 1997-04-15 | 2000-07-19 | 艾利森电话股份有限公司 | Tele/datacommunications payment method and apparatus |
| CN1399216A (en) * | 2001-07-23 | 2003-02-26 | 株式会社Ntt都科摩 | Electronic payment method, system and device |
| 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 |
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| CN107004186A (en) * | 2014-11-04 | 2017-08-01 | 源讯科技公司 | Merchandised by payment devices and simplifying for communication terminal |
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