CN103065240A - Mobile payment processing method and system - Google Patents

Mobile payment processing method and system Download PDF

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Publication number
CN103065240A
CN103065240A CN2013100103041A CN201310010304A CN103065240A CN 103065240 A CN103065240 A CN 103065240A CN 2013100103041 A CN2013100103041 A CN 2013100103041A CN 201310010304 A CN201310010304 A CN 201310010304A CN 103065240 A CN103065240 A CN 103065240A
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Prior art keywords
payment
safety
security strategy
user
request
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CN2013100103041A
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Chinese (zh)
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CN103065240B (en
Inventor
滕志猛
周苏静
张世伟
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ZTE Corp
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ZTE Corp
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Abstract

The invention provides a mobile payment processing method and a system. The method comprises that user account of user registration and safety strategies used for appointing payment authority conditions are received by a payment safety service system; the safety strategies are sent to one or a plurality of payment processing systems by the payment safety service system; and payment processing is conducted by the payment processing system according to the safety strategies. According to the mobile payment processing method and the system, the safety strategies are registered in a third party payment safety service system, payment safety strategies in a plurality of payment processing systems of a user can be unified, and safety and convenience of the user in the process of mobile payment are ensured.

Description

A kind of mobile payment disposal route and system
Technical field
The present invention relates to areas of information technology, relate in particular to mobile payment disposal route and system in the areas of information technology.
Background technology
Mobile payment is the finance activities of being undertaken by mobile terminal device.Along with popularizing and the convenience of mobile payment of smart mobile phone, mobile payment begins to become market focus.But payment safety is to affect the key factor that mobile payment is popularized all the time.
The solution that a lot of securities for ensureing mobile payment are arranged at present.For example a kind of prior art requires mobile terminal number of user's registration in advance, when the user asked to pay, payment system sent to payment link on the portable terminal of user's pre-registration, and the user is from this portable terminal clickthrough, the input payment cipher is finished payment.
When another kind of prior art is sent the payment request the user from a terminal, the server that far-end receives the payment request at first sends a disposable license confirmation code to the portable terminal of user's pre-registration, the user finishes payment from sending the terminal input license confirmation code of payment request.
Also have a kind of prior art to allow the user that the amount of single consumption, day consumption, month consumption is set respectively, when the payment request from the user exceeds amount, do not allow transaction, protect user's safety of payment with this.
Also have a kind of prior art allow the user set in advance one with the user in order to the different password protection phone number of the terminal of mobile payment, when the user forgets payment cipher, give or reset password for change by the password protection mobile phone, reduce user's Mobile payment terminal and lose the potential safety hazard that too simply may bring with user's payment cipher.
These technology all arrange for same payment system, and along with the positive intervention of third party payment provider and the mechanisms such as bank, mobile operator, the user is in the face of a large amount of mobile-payment systems, and registering respectively, dispose will inevitably be to the user with the inconvenience of serving in the use.
Summary of the invention
The technical problem to be solved in the present invention provides a kind of mobile payment disposal route and system, and with the safety of payment strategy of unification user at a plurality of payment processing systems, the convenience when the increase user uses mobile payment strengthens the security of mobile payment.
In order to solve the problems of the technologies described above, the invention provides a kind of mobile payment disposal route, comprising:
The safety of payment service system receives the user account of user's registration and is used for the security strategy of promissory payment authorising conditional;
Described safety of payment service system sends to one or more payment processing systems with described security strategy;
Described payment processing system carries out payment processes according to described security strategy.
Further, said method also has following characteristics: described security strategy comprises one or more in the following safety of payment parameter:
Frequency is initiated in payment amount, payment request time scope, payment request, the place is initiated in the payment request.
Further, said method also has following characteristics: described security strategy also comprises:
One or more authorization terminal numbers, described payment authorization termination number are used for identifying the take over party of authorization requests and the transmit leg of authorization requests response.
Further, said method also has following characteristics: described payment processing system carries out payment processes according to described security strategy and comprises:
Safety of payment parameter as described in described payment processing system does not satisfy such as the payment request of judging the user then sends authorization requests to described authorization terminal number.
In order to address the above problem, the present invention also provides a kind of safety of payment service system, comprising:
The first module receives the user account of user's registration and is used for the security strategy of promissory payment authorising conditional;
The second module is used for described security strategy is sent to one or more payment processing systems.
Further, said system also has following characteristics: described security strategy comprises following one or more safety of payment parameter:
Frequency is initiated in payment amount, payment request time scope, payment request, the place is initiated in the payment request.
Further, said system also has following characteristics: described security strategy also comprises:
One or more authorization terminal numbers, described payment authorization termination number are used for identifying the take over party of authorization requests and the transmit leg of authorization requests response.
In order to address the above problem, the present invention also provides a kind of payment processing system, comprising:
The first module is used for receiving the security strategy that the safety of payment service system issues;
The second module is used for carrying out payment processes according to described security strategy.
Further, said system also has following characteristics: described security strategy comprises one or more in one or more authorization terminal numbers and/or the following safety of payment parameter:
Frequency is initiated in payment amount, payment request time scope, payment request, the place is initiated in the payment request.
Further, said system also has following characteristics: described the second module comprises:
First module after being used for receiving user's payment request, judges whether described payment request satisfies described safety of payment parameter;
Second unit is used for not satisfying in the situation of described safety of payment parameter in described first module judgement, sends authorization requests to described authorization terminal number.
The invention provides a kind of mobile payment disposal route and system, by at third party's safety of payment service system place registration security strategy, can unification user at the safety of payment strategy of a plurality of payment processing systems, ensure safety and convenience that the user carries out mobile payment.
Description of drawings
Fig. 1 is the synoptic diagram of the safety of payment service system of the embodiment of the invention;
Fig. 2 is the synoptic diagram of the payment processing system of the embodiment of the invention;
Fig. 3 is the process flow diagram of a kind of mobile payment disposal route of the embodiment of the invention;
Fig. 4 is the synoptic diagram that the present invention one uses the payment system of example.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, hereinafter in connection with accompanying drawing embodiments of the invention are elaborated.Need to prove that in the situation of not conflicting, the embodiment among the application and the feature among the embodiment be combination in any mutually.
In order to understand better the present invention, below in conjunction with the drawings and specific embodiments the present invention is done to describe further.
Fig. 1 is the synoptic diagram of the safety of payment service system of the embodiment of the invention, and as shown in Figure 1, the safety of payment service system of present embodiment comprises:
The first module receives the user account of user's registration and is used for the security strategy of promissory payment authorising conditional;
The second module is used for described security strategy is sent to one or more payment processing systems.
Wherein, described security strategy comprises following one or more safety of payment parameter:
Frequency is initiated in payment amount, payment request time scope, payment request, the place is initiated in the payment request.
Wherein, described security strategy can also comprise:
One or more authorization terminal numbers, described payment authorization termination number are used for identifying the take over party of authorization requests and the transmit leg of authorization requests response.
Fig. 2 is the synoptic diagram of the payment processing system of the embodiment of the invention, and as shown in Figure 2, the payment processing system of present embodiment comprises:
The first module is used for receiving the security strategy that the safety of payment service system issues;
The second module is used for carrying out payment processes according to described security strategy.
Wherein, described the second module comprises:
First module after being used for receiving user's payment request, judges whether described payment request satisfies described safety of payment parameter;
Second unit is used for not satisfying in the situation of described safety of payment parameter in described first module judgement, sends authorization requests to described authorization terminal number.
Fig. 3 is the process flow diagram of a kind of mobile payment disposal route of the embodiment of the invention, and as shown in Figure 3, the method for present embodiment may further comprise the steps:
S10, safety of payment service system receive the user account of user's registration and are used for the security strategy of promissory payment authorising conditional;
S20, safety of payment service system send to one or more payment processing systems with described security strategy;
S30, payment processing system carry out payment processes according to described security strategy.
The embodiment of the invention is by at third party's safety of payment service system place registration security strategy, can unification user at the safety of payment strategy of a plurality of payment processing systems, ensure safety and convenience that the user carries out mobile payment.
Fig. 4 is the synoptic diagram that the present invention one uses the payment system of example, and as shown in Figure 4, this system comprises safety of payment service system 101, one or more payment processing systems 102, a plurality of users 103, a plurality of subscriber authorisation terminals 104, a plurality of user's payment terminals 105, a plurality of trade companies 106.Payment processing system 102 and safety of payment service system 101 are differentiations in logic, do not get rid of the scene that both unite two into one.
Described method of mobile payment comprises the steps:
Step S110: user 103 comprises the safety of payment parameter at least in user account of safety of payment service system 101 places registration and security strategy, also can comprise the authorization terminal number;
The safety of payment parameter is used for promissory payment disposal system 102 and triggers the condition of authorization requests, and for example, when payment surpasses certain amount, or payment frequency is when surpassing certain number of times, or the payment request time is outside certain time range that allows the time, etc.The authorization terminal number is used for specifying the take over party of authorization requests and the transmit leg of authorization requests response.If security strategy does not comprise the authorization terminal number, the transmit leg of the take over party of authorization requests and authorization requests response is specified according to other agreements by payment processing system 102;
Step S111: perhaps spontaneously, perhaps answer the request of payment processing system 102, safety of payment service provider 101 issues user's security strategy to payment processing system 102;
Step S112: user 103 is trading order form under trade company 106 places, and trade company 106 will pay request and send to payment processing system 102;
Step S113: payment processing system 102 sends authorization requests according to user's security strategy to subscriber authorisation terminal 104, subscriber authorisation terminal 104 return authorization requests response;
Step S114: if payment processing system 102 receives that the authorization requests response from subscriber authorisation terminal 104 is to allow to authorize, with regard to carrying out payment flow with user's payment terminal 105, as the user being authenticated payment processes, payment processes result feedback; Payment processing system 102 also can be the payment processes result feedback to trade company 106;
Step S115: trade company 106 notifies the payment processes result of user's payment terminal 105 orders, perhaps conversely.
The user is in safety of payment service system 101 places registration safety of payment parameter, except the configuration of the single of routine consumption amount, day consumption amount, month consumption amount, user also configurable payment request time scope, payment request initiates frequency, payment request initiation place etc.
Described payment request time scope can be that the user allows to pay the time range that request is initiated, also can be not allow to pay the time range that request is initiated, the setting example of time range comprises by the hour to be set, as every day some until what time, set by date, as be set as some day to some day, or by the hour and combination by date.
It is the number of times that the payment request is initiated in certain time period that frequency is initiated in described payment request, per hour can be, every day, the payment request number of times initiated per month.
The network address, geographic position etc. that the place comprises user's payment terminal 105 and/or trade company 106 are initiated in described payment request.The network address, geographic position can be the addresses of determining, also can be address realms.Embodiment comprises network interface physical address (MAC Address) or the Internet protocol address (IP address) of setting user's payment terminal 105; The IP address range of trade company 106 is that certain country is domestic.
When outside the amount that the amount of money that payment request relates to is allowing, and/or pay when asking to occur in the time range that is not allowed to, and/or the frequency of payment request is when exceeding setpoint frequency, and/or the payment request place of initiating is outside the place that allows the time, payment processing system 102 triggers the transmission of authorization requests, and request authorization terminal number is authorized.
Application scenarios example of the present invention, for example the minor carries out mobile payment, its guardian can set the safety of payment parameter for it, can also be set as the authorization terminal number to the mobile terminal number of oneself, the payment request of carrying out as the minor is beyond the safety of payment parameter of setting the time, the guardian receives the authorization requests that payment processing system sends, thereby monitors pupillary unusual payout status.The present invention also can be used for other the mobile payment scenes that need to authorize.
One of ordinary skill in the art will appreciate that all or part of step in the said method can come the instruction related hardware to finish by program, described program can be stored in the computer-readable recording medium, such as ROM (read-only memory), disk or CD etc.Alternatively, all or part of step of above-described embodiment also can realize with one or more integrated circuit.Correspondingly, each the module/unit in above-described embodiment can adopt the form of hardware to realize, also can adopt the form of software function module to realize.The present invention is not restricted to the combination of the hardware and software of any particular form.
Below only be the preferred embodiments of the present invention; certainly; the present invention also can have other various embodiments; in the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make according to the present invention various corresponding changes and distortion, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.

Claims (10)

1. mobile payment disposal route comprises:
The safety of payment service system receives the user account of user's registration and is used for the security strategy of promissory payment authorising conditional;
Described safety of payment service system sends to one or more payment processing systems with described security strategy;
Described payment processing system carries out payment processes according to described security strategy.
2. the method for claim 1 is characterized in that: described security strategy comprises one or more in the following safety of payment parameter:
Frequency is initiated in payment amount, payment request time scope, payment request, the place is initiated in the payment request.
3. method as claimed in claim 2, it is characterized in that: described security strategy also comprises:
One or more authorization terminal numbers, described payment authorization termination number are used for identifying the take over party of authorization requests and the transmit leg of authorization requests response.
4. method as claimed in claim 3, it is characterized in that: described payment processing system carries out payment processes according to described security strategy and comprises:
Safety of payment parameter as described in described payment processing system does not satisfy such as the payment request of judging the user then sends authorization requests to described authorization terminal number.
5. safety of payment service system comprises:
The first module receives the user account of user's registration and is used for the security strategy of promissory payment authorising conditional;
The second module is used for described security strategy is sent to one or more payment processing systems.
6. safety of payment service system as claimed in claim 5, it is characterized in that: described security strategy comprises following one or more safety of payment parameter:
Frequency is initiated in payment amount, payment request time scope, payment request, the place is initiated in the payment request.
7. safety of payment service system as claimed in claim 6, it is characterized in that: described security strategy also comprises:
One or more authorization terminal numbers, described payment authorization termination number are used for identifying the take over party of authorization requests and the transmit leg of authorization requests response.
8. payment processing system comprises:
The first module is used for receiving the security strategy that the safety of payment service system issues;
The second module is used for carrying out payment processes according to described security strategy.
9. payment processing system as claimed in claim 8 is characterized in that: described security strategy comprises one or more in one or more authorization terminal numbers and/or the following safety of payment parameter:
Frequency is initiated in payment amount, payment request time scope, payment request, the place is initiated in the payment request.
10. payment processing system as claimed in claim 9, it is characterized in that: described the second module comprises:
First module after being used for receiving user's payment request, judges whether described payment request satisfies described safety of payment parameter;
Second unit is used for not satisfying in the situation of described safety of payment parameter in described first module judgement, sends authorization requests to described authorization terminal number.
CN201310010304.1A 2013-01-11 2013-01-11 A kind of mobile payment processing method and system Active CN103065240B (en)

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CN104680372A (en) * 2015-02-28 2015-06-03 熊贤浪 Transaction security payment method and system
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CN106157003A (en) * 2015-04-03 2016-11-23 阿里巴巴集团控股有限公司 Data interactive method and device
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CN108074186A (en) * 2016-11-15 2018-05-25 平安科技(深圳)有限公司 Health card is opened an account treating method and apparatus
CN107256484B (en) * 2017-03-17 2021-01-15 中国银联股份有限公司 Mobile payment authorization transfer method and payment system realized by using same
CN107256484A (en) * 2017-03-17 2017-10-17 中国银联股份有限公司 Mobile payment sublicense method and the payment system realized using this method
WO2018170817A1 (en) * 2017-03-23 2018-09-27 李卓希 Electronic payment method and system
CN107657161A (en) * 2017-09-12 2018-02-02 广东欧珀移动通信有限公司 Method of mobile payment and Related product based on recognition of face
CN108090764A (en) * 2018-01-10 2018-05-29 广州合利宝支付科技有限公司 Data security control method and device in e-payment
CN109389403A (en) * 2018-08-24 2019-02-26 中国民生银行股份有限公司 A kind of payment processing method and device

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