CN103164802A - Position detection based method and system for preventing illegal electronic transaction - Google Patents
Position detection based method and system for preventing illegal electronic transaction Download PDFInfo
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- CN103164802A CN103164802A CN2013100813943A CN201310081394A CN103164802A CN 103164802 A CN103164802 A CN 103164802A CN 2013100813943 A CN2013100813943 A CN 2013100813943A CN 201310081394 A CN201310081394 A CN 201310081394A CN 103164802 A CN103164802 A CN 103164802A
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Abstract
The invention relates to a position detection based method and a position detection based system for preventing an illegal electronic transaction. The method is characterized by comprising the following steps of: when an electronic transaction is performed, acquiring the information of a transaction place and the information of a place where a transaction card legal holder is located; judging whether two pieces of information are matched; and if the two pieces of information are not matched, refusing to perform the electronic transaction, and specifically, matching the information by using the position of a transaction terminal as the transaction place and using the mobile phone position of the transaction card legal holder as the place where the transaction card legal holder is located. The mobile phone position of the transaction card legal holder is acquired by using a mobile positioning unit, and the position of the transaction terminal is acquired by querying preconfigured information, detecting the mobile positioning unit and querying an internet service supplier. By the invention, an illegal transaction caused by illegal copying and thieving of an electronic transaction card can be effectively prevented, and the benefits of a card issuer and the transaction card legal holder can be fully ensured.
Description
Technical field
The present invention relates to electronic transaction safety technique field, by to electronic transaction place and the holder in due course's of the electronic trading card of registration inspection and the comparison of current location in advance, judge whether electronic transaction is initiated by real card possessor, thereby prevent the method and system of illegal electronic transaction.
Background technology
Along with the development of technology and universal, people more tend to complete transaction with electronic trading card, for example use bank card, credit card or stored value card to do shopping, use ATM to withdraw the money, use that Web bank concludes the business etc., electronic transaction brings great convenience to people, but also brought simultaneously certain risk, for example bank card is by bootlegging or steal, and causes the fund of account illegally to be used and transfer etc.
At present for electronic trading card by bootlegging and situation about stealing, still do not have very effective measure to take precautions against, can only keep properly card and password by reminding user, the method such as report the loss as early as possible in the loss card is prevented illegal transaction.
Along with some electronic trading cards upgrade to IC-card from magnetic card, can avoid the situation of some bootleggings, but still can't avoid fully for the situation that card and password are stolen.
Summary of the invention
In order to overcome the defects of prior art, the object of the present invention is to provide a kind of method and system that prevents illegal electronic transaction of position-based inspection, by the position probing to loco and card holder in due course, judge whether electronic transaction is initiated by real card possessor, thereby prevent illegal electronic transaction.
Technical scheme of the present invention is:
A kind of method that prevents illegal electronic transaction of position-based inspection: when carrying out electronic transaction, obtain loco information and transactional cards holder in due course's site information, whether judgement both mates, and does not mate this electronic transaction of refusal execution.
Transaction is undertaken by transaction terminal, preferably with the transaction terminal position as the loco, with transactional cards holder in due course's the mobile phone location site as the transactional cards holder in due course.
The method that prevents illegal electronic transaction of described position-based inspection can comprise the steps: that (1) transaction initiator initiates transaction request to the card issuer; (2) card issuer detects request to transaction location detecting unit launch position, transmits simultaneously transaction terminal identification information and transactional cards number; (3) described transaction location detecting unit inquires about respectively according to transaction terminal identification information and transactional cards number the mobile phone position information that obtains transaction terminal positional information and transactional cards holder in due course; (4) described transaction location detecting unit checks whether transaction terminal positional information and transactional cards holder in due course's mobile phone position information mates, and returns results to the card issuer; (5) when returning results when not mating, described card issuer refuses described transaction request.
Before initiating transaction request, described transaction terminal identification information can be preconfigured in described transaction location detecting unit, and transactional cards holder in due course's transactional cards number and phone number can be registered in described transaction location detecting unit in advance.
Described transaction terminal can comprise entity transaction terminal and virtual trading terminal, described entity transaction terminal can comprise fixedly transaction terminal and move transaction terminal, and the corresponding transaction terminal identification information of described fixedly transaction terminal, move transaction terminal and virtual trading terminal is respectively fixing transaction terminal identification information, move transaction terminal identification information and transaction initiator's IP address.
As technical scheme preferred, refinement: when adopting that fixedly transaction terminal is concluded the business, described step (1) is specially: the transaction initiator is in fixing transaction terminal initiation transaction request; Fixedly transaction terminal is initiated transaction request to the card issuer again, and transmits the transactional cards number; Described step (3) is specially: transaction location detecting unit basis fixedly transaction terminal identification information is obtained the fixedly position of transaction terminal from configuration information, as the transaction terminal positional information; The transaction location detecting unit obtains transactional cards holder in due course's phone number from register information according to the transactional cards number, and according to the mobile phone location of this phone number to running fix unit inquiry transactional cards holder in due course; Inquiry mobile phone position, running fix unit also returns to the transaction location detecting unit;
When adopting the move transaction terminal to conclude the business, described step (1) is specially: the transaction initiator initiates transaction request in the move transaction terminal; The move transaction terminal is initiated transaction request to the card issuer again, and transmits the transactional cards number; Described step (3) is specially: the transaction location detecting unit obtains SIM card number or the cell-phone number of move transaction terminal from configuration information according to the move transaction terminal identification information; The transaction location detecting unit is to running fix unit inquiry move transaction terminal positional information; Running fix unit inquiry move transaction terminal positional information, and return to the transaction location detecting unit as the transaction terminal positional information; The transaction location detecting unit obtains transactional cards holder in due course's phone number from register information according to the transactional cards number, and according to the mobile phone location of this phone number to running fix unit inquiry transactional cards holder in due course; Inquiry mobile phone position, running fix unit also returns to the transaction location detecting unit;
Be internet when concluding the business when using virtual terminal, described step (3) is specially: the transaction location detecting unit is to ISP's positional information corresponding to inquiry IP address; ISP return described positional information as the transaction terminal positional information to the transaction location detecting unit; The transaction location detecting unit obtains transactional cards holder in due course's phone number from register information according to the transactional cards number, and according to the mobile phone location of this phone number to running fix unit inquiry transactional cards holder in due course; Inquiry mobile phone position, running fix unit also returns to the transaction location detecting unit.
The method that prevents illegal electronic transaction for aforementioned any one described position-based inspection, in described step (5), when returning results when not mating, the card issuer is by short message or voice reminder transactional cards holder in due course, require it that this transaction is confirmed, licit traffic is regarded as in transaction through secondary-confirmation, and the card issuer allows and carry out transaction request; Illegal transaction is regarded as in transaction without secondary-confirmation, and the card issuer refuses to carry out transaction request.
The present invention also provides a kind of system that prevents illegal electronic transaction of position-based inspection, comprise card issuer, transaction terminal, also comprise transaction location detecting unit and running fix unit, described card issuer is used for receiving transaction initiator's transaction request, detect to transaction location detecting unit launch position and ask and receive testing result, determine that according to testing result execution still refuses transaction request; The mobile phone position information that described transaction location detecting unit is used for inquiry transaction terminal positional information and transactional cards holder in due course also judges both whether mate, matching result is returned to the card issuer; The running fix unit is used for according to the request detection transactional cards holder in due course's of transaction location detecting unit mobile phone position information and returns to the transaction location detecting unit.
Described transaction terminal comprises entity transaction terminal and virtual trading terminal, described entity transaction terminal comprises fixedly transaction terminal and move transaction terminal, running fix is realized by the mobile communcations system network in described running fix unit, perhaps adopt gps system to realize the location, when adopting gps system, transactional cards holder in due course's mobile phone is the mobile phone with GPS positioning function.
Beneficial effect of the present invention is:
The software approach that uses the present invention to describe in case can effectively prevent electronic trading card by bootlegging and steal the rear illegal transaction that causes, can fully guarantee card issuer and transactional cards holder in due course's interests.In addition, the setting of secondary-confirmation link makes the method under the prerequisite that guarantees account safety, has increased dirigibility, namely as long as the transactional cards holder in due course carries out secondary-confirmation, do not affect other people on behalf of when transaction holder in due course satisfying at the on-the-spot actual needs of transaction not.
Description of drawings
Fig. 1 is the process flow diagram of first embodiment (transaction terminal is fixed terminal) of the method for the invention;
Fig. 2 is the process flow diagram of second embodiment (transaction terminal is mobile terminal) of the method for the invention;
Fig. 3 is the process flow diagram of the 3rd embodiment (transaction terminal is the internet virtual terminal) of the method for the invention;
Fig. 4 is the topological structure schematic diagram of system of the present invention.
Embodiment
The invention provides a kind of method that prevents illegal electronic transaction of position-based inspection, its core is when carrying out electronic transaction, be specifically when the card issuer receives transaction request, first to obtain loco information and transactional cards holder in due course's site information, and judge both whether mate, do not mate this electronic transaction of refusal execution.Because common electronic trading card (referred to as transactional cards) should be that the holder in due course carries, electronic transaction occurs in, the holder in due course of electronic trading card should be at the scene that transaction occurs, as transaction location and transactional cards holder in due course during not in same place, more may be that this transaction is not the transaction of being undertaken by the transactional cards holder in due course, be likely illegal transaction, therefore adopt said method can prevent illegal electronic transaction.
Normally undertaken by certain transaction terminal owing to concluding the business, therefore preferably with the transaction terminal position as the loco, in addition, due to generally, therefore preferably mobile phone is all carried, with the site as the transactional cards holder in due course, transactional cards holder in due course's mobile phone position (abbreviation mobile phone location).
Described transaction terminal can comprise entity transaction terminal and virtual trading terminal, described entity transaction terminal can comprise fixedly transaction terminal and move transaction terminal, as POS machine, ATM, computing machine etc., the so-called virtual trading terminal of the present invention mainly refers to the online trade platform of realizing by the internet, as Web bank, Alipay etc.
As shown in Figure 1, during for fixing transaction terminal, the idiographic flow of the method that prevents illegal electronic transaction of position-based inspection is as follows when transaction terminal:
1) card issuer or third party gather fixedly transaction terminal positional information;
2) fixedly the positional information of transaction terminal is configured to the transaction location detecting unit, more precisely fixedly the transaction terminal identification information and should be fixedly transaction terminal positional information and both between mapping relations be configured in the transaction location detecting unit;
3) the transactional cards holder in due course is at transaction location detecting unit registration transaction card number and phone number;
4) trade initiator initiates transaction request at transaction terminal;
5) transaction terminal is initiated transaction request to the card issuer, transmits the transactional cards number;
6) card issuer detects request to transaction location detecting unit launch position, transmits transactional cards number and transaction terminal identification information;
7) the transaction location detecting unit obtains the transaction terminal positional information according to the transaction terminal identification information from configuration information;
8) the transaction location detecting unit obtains the phone number of transactional cards legal holden according to the transaction card number from register information;
9) the transaction location detecting unit is to the mobile phone position information of running fix unit inquiry transactional cards legal holden;
10) running fix unit inquiry mobile phone position;
11) the running fix unit returns to mobile phone location to the transaction location detecting unit;
12) the transaction location detecting unit checks whether transaction location and legal holden position mate;
13) transaction location detecting unit echo check result is to the card issuer;
14) card issuer determines to allow or the refusal transaction according to the position detection result.
As shown in Figure 2, when transaction terminal was the move transaction terminal, the idiographic flow of the method that prevents illegal electronic transaction of position-based inspection was as follows:
1) card issuer to the transaction location detecting unit, is exactly with the SIM card of move transaction terminal identification information and this move transaction terminal number or cell-phone number and the mapping relations both are configured in the transaction location detecting unit with the information configuration of move transaction terminal;
2) the transactional cards holder in due course is at transaction location detecting unit registration transaction card number and phone number;
3) trade initiator initiates transaction request at transaction terminal;
4) transaction terminal is initiated transaction request to the card issuer, transmits the transactional cards number;
5) card issuer detects request to transaction location detecting unit launch position, transmits transactional cards number and transaction terminal sign;
6) the transaction location detecting unit obtains SIM card number or the cell-phone number of transaction terminal from configuration information according to transaction terminal sign;
7) the transaction location detecting unit is to the positional information of running fix unit inquiry transaction terminal;
8) positional information of running fix unit inquiry transaction terminal;
9) the running fix unit returns to the positional information of transaction terminal;
10) the transaction location detecting unit obtains the phone number of legal holden according to the transaction card number from register information;
11) the transaction location detecting unit is to the mobile phone location of running fix unit inquiry legal holden;
12) running fix unit inquiry mobile phone position;
13) the running fix unit returns to mobile phone location to the transaction location detecting unit;
14) the transaction location detecting unit checks whether transaction location and legal holden position mate;
15) transaction location detecting unit echo check result is to the card issuer;
16) card issuer allows according to the position detection result or the refusal transaction.
As shown in Figure 3, when the virtual trading terminal of using Internet-based was concluded the business, the idiographic flow of the method that prevents illegal electronic transaction of position-based inspection was as follows:
1) the transactional cards holder in due course is at transaction location detecting unit registration transaction card number and phone number;
2) trade initiator is by ISP (ISP) accessing Internet;
3) ISP distributing IP address is to the trade initiator;
4) trade initiator initiates transaction request by the internet to the card issuer;
5) card issuer detects request to transaction location detecting unit launch position, transmits transactional cards number and trade initiator IP address;
6) the transaction location detecting unit is to positional information corresponding to ISP inquiry IP address;
7) ISP home position information is given the transaction detection system;
8) the transaction location detecting unit obtains the phone number of legal holden according to the transaction card number from register information;
9) the transaction location detecting unit is to the mobile phone location of running fix unit inquiry legal holden;
10) running fix unit inquiry mobile phone position;
11) the running fix unit returns to mobile phone location to the transaction location detecting unit;
12) the transaction location detecting unit checks whether transaction location and legal holden position mate;
13) transaction location detecting unit echo check result is to the card issuer;
14) card issuer allows according to the position detection result or the refusal transaction.
As further improvement technical scheme:
1) can increase service fulfillment and the off option for the position probing link:
Use the transaction location detecting unit, can effectively prevent the illegal transaction in the inconsistent situation of transactional cards and holder in due course position, this just requires the holder in due course just can conclude the business in the loco.This may make troubles to some use when improving security.Based on this, can provide service fulfillment and the function of closing for position detecting system, the holder in due course can open and close business at any time, in the business of closing, the transaction location detecting unit no longer detects transaction location, and perhaps the card issuer no longer detects request to the position detection unit launch position.
2) secondary-confirmation:
In some cases, transactional cards holder in due course may entrust other people to hold transactional cards and conclude the business, at this moment possible holder in due course is on-the-spot in transaction, in order to support this situation, can detect in the inconsistent situation of transactional cards and holder in due course position at the transaction location detecting unit, by short message or voice reminder transactional cards holder in due course, require the transactional cards holder in due course that this transaction is confirmed, it is legal to regard as through the transaction of secondary-confirmation, and system regards as illegally the transaction of not passing through secondary-confirmation.Whether carry out secondary-confirmation and can be used as the config option that the user activates the service.
3) use of GPS:
The position that the transaction location detecting unit uses the running fix unit of movement-based communication network to obtain communication terminal, benefit is to be applicable to various communication terminals, terminal do not had specific (special) requirements, be applicable to the various occasions such as indoor, outdoor, bearing accuracy can finely satisfy the requirement that transaction location detects.At some in particular cases, may need higher bearing accuracy, can consider to use the GPS positioning function of running fix terminal, the bearing accuracy of GPS positioning function is higher, but need the support of communication terminal, and can use just now on the ground that can receive gps signal.
As shown in Figure 4, the present invention also provides a kind of system that prevents illegal electronic transaction of position-based inspection, comprise card issuer, transaction terminal, also comprise transaction location detecting unit and running fix unit, described card issuer is used for receiving transaction initiator's transaction request, detect to transaction location detecting unit launch position and ask and receive testing result, determine that according to testing result execution still refuses transaction request; The mobile phone position information that described transaction location detecting unit is used for inquiry transaction terminal positional information and transactional cards holder in due course also judges both whether mate, matching result is returned to the card issuer; The running fix unit is used for according to the request detection transactional cards holder in due course's of transaction location detecting unit mobile phone position information and returns to the transaction location detecting unit.Mobile phone is as communication terminal commonly used, is moved the positioning unit location by mobile communcations system, and the position of the transactional cards holder in due course's that obtains mobile phone is regarded as transactional cards holder in due course's position in the running fix unit.
Described running fix unit can be by the running fix of mobile communcations system network realization to communication terminal, perhaps also can adopt gps system to realize the location, when adopting gps system, transactional cards holder in due course's mobile phone is the mobile phone with GPS positioning function.
Below the explanation to several concepts involved in the present invention:
Electronic trading card: be called for short transactional cards, refer to the electronic card that has the electronic account identification function, can be used for electronic transaction include but not limited to bank card, credit card, stored value card, rechargeable card, member card etc.Electronic trading card can be physical form or virtual form, and electronic trading card can identify a fund account.
Card issuer: refer to issue the entity of electronic trading card, as bank, trade company, member alliance etc.Electronic trading card is issued and is managed by the card issuer, and the fund account that electronic trading card is corresponding is managed by the card issuer, verifies by the card issuer and examines by the electronic transaction that electronic trading card carries out.
Transactional cards holder in due course: refer to the legal user who holds electronic trading card, user's fund is stored in the fund account of electronic trading card sign by the mode of electronic account.
The trade initiator: referring to initiate the people of electronic transaction, may be the electronic trading card holder in due course, may be also the people who illegally copies and stolen electronic trading card.
Transaction terminal: when referring to that electronic transaction occurs, the terminal of read electric transactional cards identification information includes but not limited to POS machine, ATM, computing machine etc.
Communication terminal: refer to the terminal of the accessible mobile communication network that the individual uses, include but not limited to mobile phone, PDA, panel computer, other mobile communication equipments etc.
The running fix unit: referring to can be to obtaining the system of communication terminal position.
Claims (10)
1. the method that prevents illegal electronic transaction of a position-based inspection, it is characterized in that when carrying out electronic transaction, obtain loco information and transactional cards holder in due course's site information, whether judgement both mates, and does not mate this electronic transaction of refusal execution.
2. the method that prevents illegal electronic transaction of position-based inspection as claimed in claim 1, it is characterized in that concluding the business and undertaken by transaction terminal, with the transaction terminal position as the loco, with transactional cards holder in due course's the mobile phone location site as the transactional cards holder in due course.
3. the method that prevents illegal electronic transaction of position-based inspection as claimed in claim 2, is characterized in that comprising the steps:
(1) the transaction initiator initiates transaction request to the card issuer;
(2) card issuer detects request to transaction location detecting unit launch position, transmits simultaneously transaction terminal identification information and transactional cards number;
(3) described transaction location detecting unit inquires about respectively according to transaction terminal identification information and transactional cards number the mobile phone position information that obtains transaction terminal positional information and transactional cards holder in due course;
(4) described transaction location detecting unit checks whether transaction terminal positional information and transactional cards holder in due course's mobile phone position information mates, and returns results to the card issuer;
(5) when returning results when not mating, described card issuer refuses described transaction request.
4. the method that prevents illegal electronic transaction of position-based inspection as claimed in claim 3, before it is characterized in that initiating transaction request, described transaction terminal identification information is preconfigured in described transaction location detecting unit, and transactional cards holder in due course's transactional cards number and phone number are registered in described transaction location detecting unit in advance.
5. the method that prevents illegal electronic transaction of position-based inspection as claimed in claim 4, it is characterized in that described transaction terminal comprises entity transaction terminal and virtual trading terminal, described entity transaction terminal comprises fixedly transaction terminal and move transaction terminal, and the corresponding transaction terminal identification information of described fixedly transaction terminal, move transaction terminal and virtual trading terminal is respectively fixing transaction terminal identification information, move transaction terminal identification information and transaction initiator's IP address.
6. the method that prevents illegal electronic transaction of position-based inspection as claimed in claim 5 is characterized in that described step (1) is specially when adopting that fixedly transaction terminal is concluded the business: the transaction initiator is in fixing transaction terminal initiation transaction request; Fixedly transaction terminal is initiated transaction request to the card issuer again, and transmits the transactional cards number; Described step (3) is specially: transaction location detecting unit basis fixedly transaction terminal identification information is obtained the fixedly position of transaction terminal from configuration information, as the transaction terminal positional information; The transaction location detecting unit obtains transactional cards holder in due course's phone number from register information according to the transactional cards number, and according to the mobile phone location of this phone number to running fix unit inquiry transactional cards holder in due course; Inquiry mobile phone position, running fix unit also returns to the transaction location detecting unit;
When adopting the move transaction terminal to conclude the business, described step (1) is specially: the transaction initiator initiates transaction request in the move transaction terminal; The move transaction terminal is initiated transaction request to the card issuer again, and transmits the transactional cards number; Described step (3) is specially: the transaction location detecting unit obtains SIM card number or the cell-phone number of move transaction terminal from configuration information according to the move transaction terminal identification information; The transaction location detecting unit is to running fix unit inquiry move transaction terminal positional information; Running fix unit inquiry move transaction terminal positional information, and return to the transaction location detecting unit as the transaction terminal positional information; The transaction location detecting unit obtains transactional cards holder in due course's phone number from register information according to the transactional cards number, and according to the mobile phone location of this phone number to running fix unit inquiry transactional cards holder in due course; Inquiry mobile phone position, running fix unit also returns to the transaction location detecting unit;
Be internet when concluding the business when using virtual terminal, described step (3) is specially: the transaction location detecting unit is to ISP's positional information corresponding to inquiry IP address; ISP return described positional information as the transaction terminal positional information to the transaction location detecting unit; The transaction location detecting unit obtains transactional cards holder in due course's phone number from register information according to the transactional cards number, and according to the mobile phone location of this phone number to running fix unit inquiry transactional cards holder in due course; Inquiry mobile phone position, running fix unit also returns to the transaction location detecting unit.
7. as the method that prevents illegal electronic transaction of claim 3,4,5 or 6 described position-based inspections, it is characterized in that in described step (5), when returning results when not mating, the card issuer is by short message or voice reminder transactional cards holder in due course, require it that this transaction is confirmed, licit traffic is regarded as in transaction through secondary-confirmation, and the card issuer allows and carry out transaction request; Illegal transaction is regarded as in transaction without secondary-confirmation, and the card issuer refuses to carry out transaction request.
8. the method that prevents illegal electronic transaction of position-based inspection as claimed in claim 7, it is characterized in that described transactional cards refers to identify at least one fund account, can be used for card in kind or the virtual card of electronic transaction, comprises bank card, credit card, stored value card, rechargeable card, member card.
9. the system that prevents illegal electronic transaction of a position-based inspection, comprise card issuer, transaction terminal, characterized by further comprising transaction location detecting unit and running fix unit, described card issuer is used for receiving transaction initiator's transaction request, detect to transaction location detecting unit launch position and ask and receive testing result, determine that according to testing result execution still refuses transaction request; The mobile phone position information that described transaction location detecting unit is used for inquiry transaction terminal positional information and transactional cards holder in due course also judges both whether mate, matching result is returned to the card issuer; The running fix unit is used for according to the request detection transactional cards holder in due course's of transaction location detecting unit mobile phone position information and returns to the transaction location detecting unit.
10. the system that prevents illegal electronic transaction of position-based inspection as claimed in claim 9, it is characterized in that described transaction terminal comprises entity transaction terminal and virtual trading terminal, described entity transaction terminal comprises fixedly transaction terminal and move transaction terminal, running fix is realized by the mobile communcations system network in described running fix unit, perhaps adopt gps system to realize the location, when adopting gps system, transactional cards holder in due course's mobile phone is the mobile phone with GPS positioning function.
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| CN2013100813943A CN103164802A (en) | 2013-03-14 | 2013-03-14 | Position detection based method and system for preventing illegal electronic transaction |
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