CN102402746A - Method, device and system for mobile payment safety validation - Google Patents
Method, device and system for mobile payment safety validation Download PDFInfo
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- CN102402746A CN102402746A CN2010102804339A CN201010280433A CN102402746A CN 102402746 A CN102402746 A CN 102402746A CN 2010102804339 A CN2010102804339 A CN 2010102804339A CN 201010280433 A CN201010280433 A CN 201010280433A CN 102402746 A CN102402746 A CN 102402746A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
Abstract
The invention discloses a method, a device and a system for mobile payment safety validation, which belong to the technical field of communication. The method includes: acquiring a payment account, a one-time payment password and a mobile terminal number transmitted by a mobile terminal, judging whether a local is provided with the payment account and the mobile terminal number or not, judging whether a group of validation passwords corresponding to the payment account includes a one-time validation password corresponding to the one-time payment password or not if the local is provided with the payment account and the mobile terminal number, and determining the success in validation of the one-time validation password if the group of validation passwords corresponding to the payment account includes the one-time validation password corresponding to the one-time payment password. The device comprises a first acquisition module, a first judging module, a second judging module and a payment module. The system comprises the mobile terminal and a payment validation server. Safety of payment is enhanced by the aid of the method, the device and the system.
Description
Technical field
The present invention relates to communication technical field, particularly a kind of methods, devices and systems of mobile payment safety verification.
Background technology
Along with mobile communication turns to digital service from voice service, various mobile value-added service emerge in an endless stream, and mobile payment is exactly one of them.So-called mobile payment is meant that both parties for certain goods or professional, use portable terminal to pay through wireless mode.The employed portable terminal of mobile payment can be mobile phone, PDA (Personal Digital Assistant, personal digital assistant) etc.
At present when paying through portable terminal; For the safety of guaranteeing payment; The user can be through portable terminal input payment cipher, and portable terminal is transferred to carrier server with payment cipher more then, and carrier server is transferred to the payment verification server with payment cipher again; The payment verification server to payment cipher verify pass through after, pay again.
Yet in realizing process of the present invention, the inventor finds that there is following problem at least in prior art:
Through the base station payment cipher is transferred to carrier server at portable terminal; Carrier server is transferred to payment cipher in the process of payment verification server again; Payment cipher possibly caught by illegal user; Make illegal user can utilize this payment cipher to pay through the checking of payment verification server, existing method of payment is very dangerous.
Summary of the invention
Utilizing the security of portable terminal in paying in order to strengthen, the embodiment of the invention provides a kind of methods, devices and systems of mobile payment safety verification.Said technical scheme is following:
A kind of method of mobile payment safety verification, said method comprises:
Obtain payment accounts, one-time payment password and mobile terminal number that portable terminal sends;
Judge whether this locality has said payment account and said mobile terminal number;
If this locality has said payment account and said mobile terminal number, then judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of said one-time payment password with said payment accounts;
If have in one group of authentication password corresponding and the corresponding disposable authentication password of said one-time payment password, then confirm said one-time payment password authentification success with said payment accounts.
Further, said before the payment account, one-time payment password and the mobile terminal number that obtain the portable terminal transmission, said method also comprises:
Obtain the mobile payment authorization information that the user sets; And said mobile payment authorization information is stored in this locality; Wherein, Said mobile payment authorization information comprises: said mobile terminal number, the payment accounts corresponding with said mobile terminal number, and the one group authentication password corresponding with said payment accounts.
Further, after said one-time payment password authentification success, said method also comprises:
Be set to unavailable with the corresponding disposable authentication password of said one-time payment password or said disposable authentication password is deleted from said one group of authentication password.
A kind of device of mobile payment safety verification, said device comprises:
First acquisition module is used to obtain payment accounts, one-time payment password and the mobile terminal number that portable terminal sends;
First judge module is used for after said first acquisition module gets access to payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, judging whether have said payment account and said mobile terminal number in the said device;
Second judge module; When being used for judged result when said first judge module and being said device and having said payment account and said mobile terminal number, judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of said one-time payment password with said payment accounts;
Payment module; When being used for judged result when said second judge module and being the one group authentication password corresponding and having, confirm said one-time payment password authentification success with the corresponding disposable authentication password of said one-time payment password with said payment accounts.
Further, said device also comprises:
Second acquisition module; Be used for before said first acquisition module obtains payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, obtaining the mobile payment authorization information that the user sets, and said mobile payment authorization information is stored in the said device; Wherein, Said mobile payment authorization information comprises: said mobile terminal number, the payment accounts corresponding with said mobile terminal number, and the one group authentication password corresponding with said payment accounts.
Further, said device also comprises:
Module is set; Be used for after said payment module is confirmed said one-time payment password authentification success, be set to unavailable with the corresponding disposable authentication password of said one-time payment password or said disposable authentication password is deleted from said one group of authentication password.
A kind of system of mobile payment safety verification, said system comprises: portable terminal and payment verification server;
Said portable terminal is used to obtain payment accounts, the one-time payment password of user's input, and said payment accounts, one-time payment password and mobile terminal number are sent to the payment verification server;
Said payment verification server comprises:
First acquisition module is used to obtain payment accounts, one-time payment password and the mobile terminal number that said portable terminal sends;
First judge module; Be used for after said first acquisition module gets access to payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, judging whether have said payment account and said mobile terminal number in the said payment verification server;
Second judge module; When being used for judged result when said first judge module and being said payment verification server and having said payment account and said mobile terminal number, judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of said one-time payment password with said payment accounts;
Payment module; When being used for judged result when said second judge module and being the one group authentication password corresponding and having, confirm said one-time payment password authentification success with the corresponding disposable authentication password of said one-time payment password with said payment accounts.
Further, said payment verification server also comprises:
Second acquisition module; Be used for before said first acquisition module obtains payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, obtaining the mobile payment authorization information that the user sets, and said mobile payment authorization information is stored in the said payment verification server; Wherein, Said mobile payment authorization information comprises: said mobile terminal number, the payment accounts corresponding with said mobile terminal number, and the one group authentication password corresponding with said payment accounts.
Further, said payment verification server also comprises:
Module is set; Be used for after said payment module is confirmed said one-time payment password authentification success, be set to unavailable with the corresponding disposable authentication password of said one-time payment password or said disposable authentication password is deleted from said one group of authentication password.
The beneficial effect of the technical scheme that the embodiment of the invention provides is:
Verify with expendable one-time payment password and disposable authentication password only through using; Even make that the one-time payment password is caught by illegal user in payment process; Illegal user also cannot utilize this one-time payment password to pay through checking, has increased security of payment.
Description of drawings
Fig. 1 is the method flow diagram of a kind of mobile payment safety verification of providing of the embodiment of the invention 1;
Fig. 2 is the method flow diagram of a kind of mobile payment safety verification of providing of the embodiment of the invention 2;
Fig. 3 is the apparatus structure synoptic diagram of first kind of mobile payment safety verification providing of the embodiment of the invention 3;
Fig. 4 is the apparatus structure synoptic diagram of second kind of mobile payment safety verification providing of the embodiment of the invention 3;
Fig. 5 is the apparatus structure synoptic diagram of the third mobile payment safety verification of providing of the embodiment of the invention 3;
Fig. 6 is the apparatus structure synoptic diagram of the 4th kind of mobile payment safety verification providing of the embodiment of the invention 3;
Fig. 7 is the system architecture synoptic diagram of a kind of mobile payment safety verification of providing of the embodiment of the invention 4.
Embodiment
For making the object of the invention, technical scheme and advantage clearer, will combine accompanying drawing that embodiment of the present invention is done to describe in detail further below.
Embodiment 1
Referring to Fig. 1, the embodiment of the invention provides a kind of method of mobile payment safety verification, comprising:
101: obtain payment accounts, one-time payment password and mobile terminal number that portable terminal sends.
102: judge whether this locality has this payment account and this mobile terminal number.
103:, then judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of this one-time payment password with this payment accounts if this locality has this payment account and this mobile terminal number.
104:, then confirm to this one-time payment password authentification success if having in one group of authentication password corresponding and the corresponding disposable authentication password of this one-time payment password with this payment accounts.
Further, before the payment account, one-time payment password and the mobile terminal number that obtain the portable terminal transmission, this method also comprises:
Obtain the mobile payment authorization information that the user sets; And this mobile payment authorization information is stored in this locality, wherein, this mobile payment authorization information comprises: this mobile terminal number; The payment accounts corresponding, and the one group authentication password corresponding with this payment accounts with this mobile terminal number.
Further, confirm that this method also comprises to after this one-time payment password authentification success:
Be set to unavailablely maybe should disposable authentication password from this group of authentication password, delete with the corresponding disposable authentication password of this one-time payment password.
The method of the described mobile payment safety verification of the embodiment of the invention; Verify with expendable one-time payment password and disposable authentication password only through using; Even make that the one-time payment password is caught by illegal user in payment process; Illegal user also cannot utilize this one-time payment password to pay through checking, has increased security of payment.And; Specifically can realize that one-time payment password and disposable authentication password are only to use once through being set to unavailable mode of maybe will this disposable authentication password from this group of authentication password, deleting with the corresponding disposable authentication password of this one-time payment password.
Embodiment 2
Referring to Fig. 2, the embodiment of the invention provides a kind of method of mobile payment safety verification, comprising:
201: the payment verification server obtains the mobile payment authorization information; And this mobile payment authorization information is stored in the payment verification server; Wherein, This mobile payment authorization information comprises: this mobile terminal number, the payment accounts corresponding with this mobile terminal number, and the one group authentication password corresponding with this payment accounts.Wherein, comprise two disposable authentication passwords at least in one group of authentication password.
Wherein, mobile terminal number is the number that can discern this portable terminal, like phone number of mobile phone etc.Payment accounts can be the number of the account that bank's card number, credit number, Q coin number of the account, Wealth tong number of the account etc. can be supported mobile payment.And the payment accounts corresponding with this mobile terminal number can be provided with one or morely, can be provided with according to the practical application situation, this do not done qualification.Because in the described method of the embodiment of the invention, authentication password can only be used once, therefore can be called disposable authentication password in addition.
Particularly; The user is setting mobile terminal number, the payment accounts corresponding with mobile terminal number; And during one group authentication password corresponding with payment accounts; Can be directly be provided with, also can be provided with, this is not done concrete qualification through the provider of long-range connection payment verification servers such as computing machine to the provider place of payment verification server.Wherein, comprise two disposable authentication passwords in one group of authentication password at least, for example: the embodiment of the invention is set and is comprised in one group of authentication password that 5 disposable authentication passwords are respectively: 0123, x456, abc, 3789 and 8888.
Particularly; The payment verification server is with mobile terminal number, the payment accounts corresponding with mobile terminal number; And the one group authentication password corresponding with payment accounts is when storing; Can be stored in the payment verification server with the mode of tabulation, also can otherwise store, storage mode is not done concrete qualification.
202: when the user paid through portable terminal, mobile terminal request user inputed payment account and one-time payment password.
Because in the described method of the embodiment of the invention, payment cipher can only use once, therefore can be called the one-time payment password.
203: portable terminal obtains the payment account and the one-time payment password of user's input, and payment account, one-time payment password and mobile terminal number are sent to the payment verification server through base station and carrier server.
204: payment account, one-time payment password and mobile terminal number that payment verification server mobile terminal receive sends, judge whether have this payment account and this mobile terminal number in the payment verification server,, then carry out 205 if having; Otherwise, finish.
205: the payment verification server judges in one group of authentication password corresponding with this payment accounts whether have and the corresponding disposable authentication password of the one-time payment password of this input of user, if having, then carry out 206; Otherwise, carry out 207.
206: the payment verification server is confirmed this one-time payment password authentification success; The disposable authentication password that the one-time payment password that this sends with portable terminal is corresponding is set to unavailable or it is deleted from its one group of corresponding authentication password, finishes then.
After the payment verification server is to this one-time payment password authentification success, just can use this payment account to pay.
In addition; After the payment verification server is to this one-time payment password authentification success; The payment verification server can send one-time payment password authentification message of successful to portable terminal through carrier server and base station, informs portable terminal one-time payment password authentification success.
Disposable authentication password through this input of user is set to unavailable or it is deleted from this group of authentication password; Make one-time payment password and disposable authentication password only to use once; Even make that the one-time payment password is caught by illegal user in payment process; Illegal user also cannot utilize this one-time payment password to pay, and has increased security of payment.
And; Being not limited to disposable authentication password through this input of user is set to unavailable or it is deleted from this group of authentication password; Make one-time payment password and disposable authentication password only to use once, can also adopt any other feasible mode in the practical application.
207: the payment verification server judges that whether the number of times of input one-time payment password in the portable terminal surpasses preset number of times, if surpass, then finishes; Otherwise, carry out 208.
Wherein, preset number of times can be 3 times, 5 inferior, can be provided with flexibly according to the practical application situation, this is not done qualification.
208: payment verification server requests portable terminal re-enters the one-time payment password, and after portable terminal received the request of payment verification server, the request user re-entered the one-time payment password, carries out 203 then.
The method of the described mobile payment safety verification of the embodiment of the invention; Verify with expendable one-time payment password and disposable authentication password only through using; Even make that the one-time payment password is caught by illegal user in payment process; Illegal user also cannot utilize this one-time payment password to pay through checking, has increased security of payment.And; Specifically can realize that one-time payment password and disposable authentication password are only to use once through being set to unavailable mode of maybe will this disposable authentication password from this group of authentication password, deleting with the corresponding disposable authentication password of this one-time payment password.
Embodiment 3
Referring to Fig. 3, the embodiment of the invention provides a kind of device of mobile payment safety verification, and this device comprises:
Further, referring to Fig. 4, this device also comprises:
Further, referring to Fig. 5 or Fig. 6, this device also comprises:
The device of the described mobile payment safety verification of the embodiment of the invention; Verify with expendable one-time payment password and disposable authentication password only through using; Even make that the one-time payment password is caught by illegal user in payment process; Illegal user also cannot utilize this one-time payment password to pay through checking, has increased security of payment.And; Specifically can realize that one-time payment password and disposable authentication password are only to use once through being set to unavailable mode of maybe will this disposable authentication password from this group of authentication password, deleting with the corresponding disposable authentication password of this one-time payment password.
Embodiment 4
Referring to Fig. 7, the embodiment of the invention provides a kind of system of mobile payment safety verification, and this system comprises: portable terminal 401 and payment verification server 402.
First acquisition module is used to obtain payment accounts, one-time payment password and the mobile terminal number that portable terminal 401 sends;
First judge module is used for after first acquisition module gets access to payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, judges in the payment verification service 402 whether have this payment account and this mobile terminal number;
Second judge module; When being used for judged result when first judge module and being payment verification service 402 and having this payment account, judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of this one-time payment password with this payment accounts with this mobile terminal number;
Payment module when being used for judged result when second judge module and being the one group authentication password corresponding with this payment accounts and having with the corresponding disposable authentication password of this one-time payment password, is confirmed this one-time payment password authentification success.
Further, payment verification server 402 also comprises:
Second acquisition module; Be used for before first acquisition module obtains the one-time payment password and mobile terminal number of portable terminal transmission, obtaining the mobile payment authorization information that the user sets, and this mobile payment authorization information being stored in the payment verification server 402; Wherein, This mobile payment authorization information comprises: mobile terminal number, the payment accounts corresponding with mobile terminal number, and the one group authentication password corresponding with this payment accounts.
Further, payment verification server 402 also comprises:
Module is set, is used for confirming after this one-time payment password authentification success, be set to unavailablely maybe should disposable authentication password from this group of authentication password, delete with the corresponding disposable authentication password of this one-time payment password in payment module.
The system of the described mobile payment safety verification of the embodiment of the invention; Verify with expendable one-time payment password and disposable authentication password only through using; Even make that the one-time payment password is caught by illegal user in payment process; Illegal user also cannot utilize this one-time payment password to pay through checking, has increased security of payment.And; Specifically can realize that one-time payment password and disposable authentication password are only to use once through being set to unavailable mode of maybe will this disposable authentication password from this group of authentication password, deleting with the corresponding disposable authentication password of this one-time payment password.
All or part of content in the technical scheme that above embodiment provides can realize that through software programming its software program is stored in the storage medium that can read, storage medium for example: the hard disk in the computing machine, CD or floppy disk.
The above is merely preferred embodiment of the present invention, and is in order to restriction the present invention, not all within spirit of the present invention and principle, any modification of being done, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (9)
1. the method for a mobile payment safety verification is characterized in that, said method comprises:
Obtain payment account, one-time payment password and mobile terminal number that portable terminal sends;
Judge whether this locality has said payment account and said mobile terminal number;
If this locality has said payment account and said mobile terminal number, then judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of said one-time payment password with said payment accounts;
If have in one group of authentication password corresponding and the corresponding disposable authentication password of said one-time payment password, then confirm said one-time payment password authentification success with said payment accounts.
2. the method for mobile payment safety verification according to claim 1 is characterized in that, said before the payment account, one-time payment password and the mobile terminal number that obtain the portable terminal transmission, said method also comprises:
Obtain the mobile payment authorization information that the user sets; And said mobile payment authorization information is stored in this locality; Wherein, Said mobile payment authorization information comprises: said mobile terminal number, the payment accounts corresponding with said mobile terminal number, and the one group authentication password corresponding with said payment accounts.
3. the method for mobile payment safety verification according to claim 1 and 2 is characterized in that, said definite to after the said one-time payment password authentification success, said method also comprises:
Be set to unavailable with the corresponding disposable authentication password of said one-time payment password or said disposable authentication password is deleted from said one group of authentication password.
4. the device of a mobile payment safety verification is characterized in that, said device comprises:
First acquisition module is used to obtain payment accounts, one-time payment password and the mobile terminal number that portable terminal sends;
First judge module is used for after said first acquisition module gets access to payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, judging whether have said payment account and said mobile terminal number in the said device;
Second judge module; When being used for judged result when said first judge module and being said device and having said payment account and said mobile terminal number, judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of said one-time payment password with said payment accounts;
Payment module; When being used for judged result when said second judge module and being the one group authentication password corresponding and having, confirm said one-time payment password authentification success with the corresponding disposable authentication password of said one-time payment password with said payment accounts.
5. the device of mobile payment safety verification according to claim 4 is characterized in that, said device also comprises:
Second acquisition module; Be used for before said first acquisition module obtains payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, obtaining the mobile payment authorization information that the user sets, and said mobile payment authorization information is stored in the said device; Wherein, Said mobile payment authorization information comprises: said mobile terminal number, the payment accounts corresponding with said mobile terminal number, and the one group authentication password corresponding with said payment accounts.
6. according to the device of claim 4 or 5 described mobile payment safety verifications, it is characterized in that said device also comprises:
Module is set; Be used for after said payment module is confirmed said one-time payment password authentification success, be set to unavailable with the corresponding disposable authentication password of said one-time payment password or said disposable authentication password is deleted from said one group of authentication password.
7. the system of a mobile payment safety verification is characterized in that, said system comprises: portable terminal and payment verification server;
Said portable terminal is used to obtain payment accounts, the one-time payment password of user's input, and said payment accounts, one-time payment password and mobile terminal number are sent to the payment verification server;
Said payment verification server comprises:
First acquisition module is used to obtain payment accounts, one-time payment password and the mobile terminal number that said portable terminal sends;
First judge module; Be used for after said first acquisition module gets access to payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, judging whether have said payment account and said mobile terminal number in the said payment verification server;
Second judge module; When being used for judged result when said first judge module and being said payment verification server and having said payment account and said mobile terminal number, judge in one group of authentication password corresponding whether have and the corresponding disposable authentication password of said one-time payment password with said payment accounts;
Payment module; When being used for judged result when said second judge module and being the one group authentication password corresponding and having, confirm said one-time payment password authentification success with the corresponding disposable authentication password of said one-time payment password with said payment accounts.
8. the system of mobile payment safety verification according to claim 7 is characterized in that, said payment verification server also comprises:
Second acquisition module; Be used for before said first acquisition module obtains payment accounts, one-time payment password and the mobile terminal number of portable terminal transmission, obtaining the mobile payment authorization information that the user sets, and said mobile payment authorization information is stored in the said payment verification server; Wherein, Said mobile payment authorization information comprises: said mobile terminal number, the payment accounts corresponding with said mobile terminal number, and the one group authentication password corresponding with said payment accounts.
9. according to the system of claim 7 or 8 described mobile payment safety verifications, it is characterized in that said payment verification server also comprises:
Module is set; Be used for after said payment module is confirmed said one-time payment password authentification success, be set to unavailable with the corresponding disposable authentication password of said one-time payment password or said disposable authentication password is deleted from said one group of authentication password.
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CN201010280433.9A CN102402746B (en) | 2010-09-09 | 2010-09-09 | A kind of methods, devices and systems of mobile payment security checking |
PCT/CN2011/079374 WO2012031549A1 (en) | 2010-09-09 | 2011-09-06 | Method, apparatus, and system for security authentication in mobile payment |
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CN104751323A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技(深圳)有限公司 | Method for transferring electronic account data and related device and related system |
CN104751323B (en) * | 2013-12-31 | 2020-04-24 | 腾讯科技(深圳)有限公司 | Electronic account data transfer method and related equipment and system |
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WO2018098925A1 (en) * | 2016-11-29 | 2018-06-07 | 华为技术有限公司 | Method for payment and terminal device |
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CN102402746B (en) | 2016-11-02 |
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