CN102509223A - Safety management method and system for mobile terminal card-swiping collection - Google Patents
Safety management method and system for mobile terminal card-swiping collection Download PDFInfo
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- CN102509223A CN102509223A CN2011103746123A CN201110374612A CN102509223A CN 102509223 A CN102509223 A CN 102509223A CN 2011103746123 A CN2011103746123 A CN 2011103746123A CN 201110374612 A CN201110374612 A CN 201110374612A CN 102509223 A CN102509223 A CN 102509223A
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- portable terminal
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Abstract
The invention provides a safety management method and a system for mobile terminal card-swiping collection. The method comprises the following steps: 1, opening a payment account appointed by merchants; 2, receiving the equipment identifying code of the mobile terminal; 3, creating the payment account and an equipment identifying code corresponding table; and 4, in case of a request initiated by the mobile terminal outside the corresponding table, refusing. Through the invention, an effective management system for the merchant collection account, the mobile phone terminal equipment identifying code and the payment card information is created so as to limit the incidence relation of the merchant collection account and the collection mobile phone terminal, thereby preventing the commercial fraud through the mobile collection equipment and controlling the transaction risk of a mobile card-swiping collection system.
Description
Technical field
The present invention relates to a kind of safety of payment management method and system, especially relate to a kind of method for managing security and system that swipes the card and collect money to portable terminal.
Background technology
The existing more application of card reader is not used but still have maturation for the safety management of card reader and peripheral equipment at present.In addition to the application of card reader still in the more personal user's of being limited in the payment of swiping the card; It such as application number 200910091587.0 patented claim; A kind of method and apparatus of swiping the card that adopts portable terminal is disclosed; Wherein method comprises: swiping card equipment is obtained card information, and said card information is sent to portable terminal; Said portable terminal receives the card information of Transaction Information and the transmission of said swiping card equipment; Said portable terminal is submitted card information to the bank application of paying.System comprises swiping card equipment and portable terminal, and wherein, said swiping card equipment is used to obtain card information, and said card information is sent to portable terminal; Said portable terminal is used to receive the card information of Transaction Information and the transmission of said swiping card equipment.The present invention can realize bankcard consumption through portable terminal, and is very convenient to carry, realized the process of swiping the card anywhere or anytime, greatly facilitates trade company and consumer.But above-mentioned mobile swiping the card owing to there is not ripe safety management system; Be difficult to control gathering risk; Especially for industries such as insurance, logistics in mobile exhibition industry process, use the various risks that card reader is brought, need ripe perfect trade company's management system; Help trade company's control gathering risk of above industry, guarantee trade company and holder's interests.
Mainly there is following aspect in venture analysis from present sector application card reader is brought:
1, card reader is used in the risk beyond the own mobile phone terminal of trade company;
2, collecting account is by counterfeit risk;
3, usurp the credit card information risk;
Therefore need one and overlap ripe perfect safety management system, when moving the professional fast development of gathering, help trade company effectively to manage transaction risk, locate risk case fast.
Summary of the invention
Technical matters to be solved by this invention provides a kind of method for managing security and system that swipes the card and collect money to portable terminal, to control the transaction risk that moves the cash collecting system of swiping the card.
In order to solve above-mentioned technical matters, the present invention has adopted following technical scheme:
A kind of method for managing security of swiping the card and collecting money to portable terminal comprises the steps:
Step 1, trade company open the disbursement account of appointment;
The EIC equipment identification code of step 2, mobile terminal receive;
Step 3, set up disbursement account and EIC equipment identification code correspondence table;
Step 4, initiate payment and ask money, then refuse as finding outside the correspondence table portable terminal.
Further, this method also comprises:
Mobile terminal device is acquired, changed in step 5, trade company, can revise correspondence table through registration.
Further, this method also comprises:
Be each operator batch operation person ID and password, and disbursement account and operator ID, password are bound;
During each the payment, need input operator's ID and password, if input error is then refused.
Further, this method also comprises:
The amount of restriction single transaction, the payment that surpasses this amount will be rejected;
Limit the amount of transaction in single day, the payment that surpasses this amount will be rejected.
Further, this method also comprises:
The positional information that the portable terminal that prestores possibly occur starts portable terminal LBS position and gathers information during payment, warn when abnormal ranges appears in portable terminal;
Payment corporate risk control personnel will carry out manual work and pay close attention to.
A kind of safety management system of swiping the card and collecting money to portable terminal comprises: merchant account and device management module, and it comprises:
The account opens module, trade company opens the disbursement account of appointment;
The EIC equipment identification code of identification code receiver module, mobile terminal receive;
Correspondence table is set up module, is set up disbursement account and EIC equipment identification code correspondence table;
Refuse request module, ask money, then refuse as finding that portable terminal initiates to pay outside the correspondence table.
Further, merchant account and device management module comprise that also correspondence table modified module, trade company acquire, change mobile terminal device, can revise correspondence table through registration.
Further, this system also comprises an operational account administration module, and this module specifically comprises
Distribution module, be each operator batch operation person ID and password, and disbursement account and operator ID, password are bound;
Load module, when paying, need input operator's ID and password, if input error is then refused at every turn.
Further, this system also comprises the tied transaction module, the amount of restriction single transaction, and the payment that surpasses this amount will be rejected; Limit the amount of transaction in single day, the payment that surpasses this amount will be rejected.
Further, this system also comprises the location management module, and this module specifically comprises:
The positional information that memory module, the portable terminal that prestores possibly occur;
Start portable terminal LBS position when alert module, payment and gather information, warn when abnormal ranges appears in portable terminal.
The present invention is through the effective management system of foundation to trade company's collecting account, mobile phone terminal EIC equipment identification code, payment card information, and combination LBS position, and the transaction risk of the cash collecting system of swiping the card is moved in control.
1, limits the incidence relation of trade company's collecting account and gathering mobile phone terminal, prevent to abuse mobile Cash collecting equipment and carry out commercial fraud;
2, set up the authenticating operation mechanism that moves cash collecting system, restriction and recording operation personnel qualification;
3, set up the cash collecting system transaction limits;
4, place, the position change of early warning gathering generation.
Through above four types of risk control measures, use the professional overall risk of bringing of mobile gathering with effectively reducing trade company, prevent that equipment from being abused.The wind control system present in conjunction with payment company will effectively reduce the risk trade incident, reach the security level that moves POS at present at least.
Description of drawings
Fig. 1 is the process flow diagram of method of the present invention;
Fig. 2 is the synoptic diagram of structure of the present invention;
Embodiment
In order to understand the present invention better, the course of work of the present invention is described below in conjunction with a specific embodiment:
As shown in Figure 1, a kind of method for managing security of swiping the card and collecting money to portable terminal of the present invention comprises the steps:
Step 1, trade company open the disbursement account of appointment;
The EIC equipment identification code of step 2, mobile terminal receive;
Step 3, set up disbursement account and EIC equipment identification code correspondence table; As shown in table 1
Step 4, initiate payment and ask money, then refuse as finding outside the correspondence table portable terminal.
Mobile terminal device is acquired, changed in step 5, trade company, can revise correspondence table through registration.
Step 6, be each operator batch operation person ID and password, and disbursement account and operator ID, password are bound;
Step 7, when paying, need input operator's ID and password, if input error is then refused at every turn.
The amount of step 8, the transaction of restriction single, the payment that surpasses this amount will be rejected; Limit the amount of transaction in single day, the payment that surpasses this amount will be rejected.
The positional information that step 9, the portable terminal that prestores possibly occur starts portable terminal LBS position and gathers information during payment, warn when abnormal ranges appears in portable terminal; Payment corporate risk control personnel will carry out manual work and pay close attention to.
As shown in Figure 2, a kind of safety management system of swiping the card and collecting money to portable terminal of the present invention comprises: merchant account and device management module, operational account administration module, transaction limits module, location management module;
Wherein said merchant account and device management module comprise:
The account opens module, trade company opens the disbursement account of appointment;
The EIC equipment identification code of identification code receiver module, mobile terminal receive;
Correspondence table is set up module, is set up disbursement account and EIC equipment identification code correspondence table;
Refuse request module, ask money, then refuse as finding that portable terminal initiates to pay outside the correspondence table.
Mobile terminal device is acquired, changed in correspondence table modified module, trade company, can revise correspondence table through registration.
Described operational account administration module comprises:
Distribution module, be each operator batch operation person ID and password, and disbursement account and operator ID, password are bound;
Load module, when paying, need input operator's ID and password, if input error is then refused at every turn.
Described tied transaction module is used to limit the amount that single is concluded the business, and the payment that surpasses this amount will be rejected; Limit the amount of transaction in single day, the payment that surpasses this amount will be rejected.
Described location management module comprises:
The positional information that memory module, the portable terminal that prestores possibly occur;
Start portable terminal LBS position when alert module, payment and gather information, warn when abnormal ranges appears in portable terminal.
Concrete application example below in conjunction with an optimum: accepting the service of gathering safety management system with the A of trade company is that example is come further explain the present invention:
Safety management system of the present invention is divided into that merchant information is opened, operation management two parts, and wherein merchant information is opened mainly after trade company's qualification material typing, for it opens trade company's disbursement account, and distributes login name, password and affiliated operation ID password.
The operation management part, through account and equipment control, account management, transaction limits and location management function, the collecting account of strict tied transaction, operator's qualification, transaction limits and position in process of exchange prevent that equipment from being abused, and accomplish and can review.
Method for managing security of the present invention comprises the steps:
Step 1: the A of trade company submits the qualification material to, and safety management system is opened disbursement account, trade company's name, password for it, and distributes some operator ID and password according to its application for it; For this trade company trading limit is set simultaneously;
Step 2: the operator B of the A of trade company is at the mobile phone-downloaded APP that collects money, and connects card reader;
Step 3: operator B input name of firm and password land APP, and input operator ID and cipher secondary authentication; Verification is examined by safety management platform;
Step 4: when using first, operator B is selected facility registration in APP, and APP is sent to safety management system with this EIC equipment identification code and registers;
Step 5: operator B utilizes the gathering of swiping the card of this cash collecting system;
Step 6: gathering information comprises that dealing money and name of firm, LBS positional information etc. are by APP submission safety management system;
Step 7: safety management system judges that at first transaction application equipment whether in the device registration scope, then accepts in this way;
Step 8: safety management system judges that dealing money whether in limited field, then accepts in this way;
Step 9: safety management system judges whether transaction location has unusually, if any then changing manual examination and verification unusually over to;
Step 10: abovely all pass through, then change follow-up bank over to and receive single process, this transaction log of safety management system record finishes.
The foregoing description is illustrative principle of the present invention and effect thereof only, but not is used to limit the present invention.Any those skilled in the art all can be under spirit of the present invention and category, and the foregoing description is modified and changed.Therefore, rights protection scope of the present invention should be listed like claims.
Claims (10)
1. the method for managing security of swiping the card and collecting money to portable terminal is characterized in that, comprises the steps:
Step 1, trade company open the disbursement account of appointment;
The EIC equipment identification code of step 2, mobile terminal receive;
Step 3, set up disbursement account and EIC equipment identification code correspondence table;
Step 4, initiate payment and ask money, then refuse as finding outside the correspondence table portable terminal.
2. the method for managing security of swiping the card and collecting money to portable terminal according to claim 1 is characterized in that this method also comprises:
Mobile terminal device is acquired, changed in step 5, trade company, can revise correspondence table through registration.
3. the method for managing security of swiping the card and collecting money to portable terminal according to claim 1 and 2 is characterized in that this method also comprises:
Be each operator batch operation person ID and password, and disbursement account and operator ID, password are bound;
During each the payment, need input operator's ID and password, if input error is then refused.
4. the method for managing security of swiping the card and collecting money to portable terminal according to claim 3 is characterized in that this method also comprises:
The amount of restriction single transaction, the payment that surpasses this amount will be rejected;
Limit the amount of transaction in single day, the payment that surpasses this amount will be rejected.
5. the method for managing security of swiping the card and collecting money to portable terminal according to claim 4 is characterized in that this method also comprises:
The positional information that the portable terminal that prestores possibly occur starts portable terminal LBS position and gathers information during payment, warn when abnormal ranges appears in portable terminal.
6. one kind is directed against the safety management system that portable terminal is swiped the card and collected money, and comprising: merchant account and device management module, and it comprises:
The account opens module, trade company opens the disbursement account of appointment;
The EIC equipment identification code of identification code receiver module, mobile terminal receive;
Correspondence table is set up module, is set up disbursement account and EIC equipment identification code correspondence table;
Refuse request module, ask money, then refuse as finding that portable terminal initiates to pay outside the correspondence table.
7. the safety management system of swiping the card and collecting money according to claim 6 to portable terminal; It is characterized in that; Described merchant account and device management module comprise that also correspondence table modified module, trade company acquire, change mobile terminal device, can revise correspondence table through registration.
8. the safety management system of swiping the card and collecting money to portable terminal according to claim 7 is characterized in that this system also comprises an operational account administration module, and this module specifically comprises:
Distribution module, be each operator batch operation person ID and password, and disbursement account and operator ID, password are bound;
Load module, when paying, need input operator's ID and password, if input error is then refused at every turn.
9. the safety management system of swiping the card and collecting money to portable terminal according to claim 8 is characterized in that this system also comprises the tied transaction module, the amount of restriction single transaction, and the payment that surpasses this amount will be rejected; Limit the amount of transaction in single day, the payment that surpasses this amount will be rejected.
10. the safety management system of swiping the card and collecting money to portable terminal according to claim 9 is characterized in that this system also comprises the location management module, and this module specifically comprises:
The positional information that memory module, the portable terminal that prestores possibly occur;
Start portable terminal LBS position when alert module, payment and gather information, warn when abnormal ranges appears in portable terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011103746123A CN102509223A (en) | 2011-11-21 | 2011-11-21 | Safety management method and system for mobile terminal card-swiping collection |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011103746123A CN102509223A (en) | 2011-11-21 | 2011-11-21 | Safety management method and system for mobile terminal card-swiping collection |
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| CN102509223A true CN102509223A (en) | 2012-06-20 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2011103746123A Pending CN102509223A (en) | 2011-11-21 | 2011-11-21 | Safety management method and system for mobile terminal card-swiping collection |
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Cited By (4)
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| CN102855555A (en) * | 2012-08-06 | 2013-01-02 | 北京中科金财电子商务有限公司 | System and method for identifying payment risks based on position transformation |
| CN105101181A (en) * | 2015-06-30 | 2015-11-25 | 小米科技有限责任公司 | Method and device for enhancing charging security |
| WO2016107463A1 (en) * | 2014-12-30 | 2016-07-07 | 阿里巴巴集团控股有限公司 | Transaction risk detection method and device |
| CN109727042A (en) * | 2018-09-06 | 2019-05-07 | 天翼电子商务有限公司 | A kind of system and method for fast development trade company |
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| CN1904934A (en) * | 2006-08-18 | 2007-01-31 | 王忠杰 | Safety network trading method |
| CN101464981A (en) * | 2007-12-18 | 2009-06-24 | 黄金富 | Bank card account security system and method through mobile phone orientation authentication card owner identification |
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| CN1904934A (en) * | 2006-08-18 | 2007-01-31 | 王忠杰 | Safety network trading method |
| CN101464981A (en) * | 2007-12-18 | 2009-06-24 | 黄金富 | Bank card account security system and method through mobile phone orientation authentication card owner identification |
| CN101751729A (en) * | 2008-12-03 | 2010-06-23 | 黄金富 | Unionpay card mobile phone payment system and payment method adopting USSD information |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102855555A (en) * | 2012-08-06 | 2013-01-02 | 北京中科金财电子商务有限公司 | System and method for identifying payment risks based on position transformation |
| CN102855555B (en) * | 2012-08-06 | 2016-01-27 | 北京中科金财电子商务有限公司 | The payment risk recognition system of position-based conversion and method |
| WO2016107463A1 (en) * | 2014-12-30 | 2016-07-07 | 阿里巴巴集团控股有限公司 | Transaction risk detection method and device |
| CN105809502A (en) * | 2014-12-30 | 2016-07-27 | 阿里巴巴集团控股有限公司 | Transaction risk detection method and apparatus |
| CN105101181A (en) * | 2015-06-30 | 2015-11-25 | 小米科技有限责任公司 | Method and device for enhancing charging security |
| WO2017000483A1 (en) * | 2015-06-30 | 2017-01-05 | 小米科技有限责任公司 | Method and device for enhancing recharging security |
| US9866705B2 (en) | 2015-06-30 | 2018-01-09 | Xiaomi Inc. | Method and apparatus for reloading a mobile number |
| CN105101181B (en) * | 2015-06-30 | 2019-05-07 | 小米科技有限责任公司 | Improve the method and apparatus for supplementing safety with money |
| CN109727042A (en) * | 2018-09-06 | 2019-05-07 | 天翼电子商务有限公司 | A kind of system and method for fast development trade company |
| CN109727042B (en) * | 2018-09-06 | 2021-03-23 | 天翼电子商务有限公司 | System and method for rapidly developing commercial tenant |
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Application publication date: 20120620 |