CN103198397B - Mobile payment method based on risk assessment and multiple credibility judgment steps - Google Patents
Mobile payment method based on risk assessment and multiple credibility judgment steps Download PDFInfo
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- CN103198397B CN103198397B CN201310126132.4A CN201310126132A CN103198397B CN 103198397 B CN103198397 B CN 103198397B CN 201310126132 A CN201310126132 A CN 201310126132A CN 103198397 B CN103198397 B CN 103198397B
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- 238000000034 method Methods 0.000 title claims abstract description 28
- 238000012502 risk assessment Methods 0.000 title claims abstract description 21
- 238000004891 communication Methods 0.000 claims abstract description 21
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- 230000004069 differentiation Effects 0.000 claims description 16
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Abstract
The invention discloses a mobile payment method based on a risk assessment and multiple credibility judgment steps, and relates to a user, a commercial tenant and a mobile payment provider, wherein the Internet, a communication network and a third party network membership database server are used as hardware bases. The mobile payment method includes a network membership information registering and updating step, the multiple credibility judgment steps and a payment finishing step. Consumption information of the user each time is stored in the third party network membership database server with extremely high security in a synchronous mode, and network membership information of the user is updated and used as a basis for the risk assessment in a future mobile payment process. According to the utilization of the technical scheme of credible mobile payment, data resources of the third party network membership database server are brought in, a technical transformation of the risk assessment aspect is realized on the basis of an existing mature mobile payment hardware foundation, safety performance and operation convenience of the novel mobile payment are enormously improved, user privacy is protected effectively, and at the same time, resource waste of raw materials of real cards is effectively suppressed.
Description
Technical field
The present invention relates to and a kind of pay implementation method, particularly relate to and a kind ofly fully utilize the application process that computer technology, network technology, database technology and encryption communication technology realize convenient consumption and payment.
Background technology
Along with the develop rapidly of economy, commercial consumption situation progressively takes a turn for the better, gos up, and especially bankcard consumption is still powerful.For tradition gathering mode, consumer or other user are when paying, and mostly association also must use the real card of finance, comprise the debit card of each big bank, credit card, coupons card, medical insurance card, occurs and Citizen Card Item of being becoming better and approaching perfection day by day of function etc. recently.These real card request users must carry with, and show in use, there is larger loss, by robbery risk.And real card mostly associates individual privacy information, real card carry with process of consumption in all very easily cause the leakage of individual privacy, famine security.
Due to the enormous amount of this type of real card, the manufacturing, the loss of this card cause huge starting material pressure concerning non-renewable resources day by day in short supply.And from the user point of view, multiple real carrying with of card has larger potential safety hazard, as reported the loss after loss, making up and adjoint property loss risk etc., some real card even must drop into certain annual fee every year and be maintained.
Along with the develop rapidly of science and technology, as a kind of emerging disbursement and sattlement mode, mobile payment appears among the life of people more and more, greatly facilitates the progress of society.Existing mobile payment has following several form: A, the application payment represented with Alipay, wealth Fu Tongwei; Payment that what B, Alipay were newly released swipe the card; C, NFC near field payment (such as bus card-reading etc.) being representative with wing payment.The commercial opportunity of mobile payment is to create in the ubiquitous payment services of alternative petty cash.And for the Citizen Card Item that domestic more flourishing city is promoted, because it is integrated with, fund stores, the powerful financial function of bankcard consumption, therefore, in the use procedure in mobile payment field, be a principal contradiction between its safety of payment (risk control) and payment efficiency (clearing speed).Wherein secure context is then the content in many ways paid close attention to, security mechanism must meet allly relate to main body easy to understand, all participants are clear in job responsibility.Namely the safety problem being similar to the mobile payment provider of Citizen Card Item need be subject to the consistent management of all participants, with guarantee payment process be safe, believable and easy to understand implement.Meanwhile, as the privacy information of user, as consumption feature, consumer record etc. should be subject to strict maintaining secrecy.
Summary of the invention
The present invention is directed to above-mentioned consumption and payment means present situation and active demand, propose a kind of based on risk assessment and multiple believable method of mobile payment, to provide a kind of efficient, convenient, there is the mobile payment solution that privacy ensures.
Above-mentioned purpose of the present invention, a kind of based on risk assessment and multiple believable method of mobile payment, relate to user, trade company and mobile payment provider, it is characterized in that: described method of mobile payment for hardware foundation, comprises with internet, communication network and third party's net nationality storehouse server:
Net nationality information registering step, user adopts the existing modes of payments to complete initial transaction by mobile terminal, the subscriber identity information of this initial transaction of terminal record of trade company, mobile payment provider information, mobile terminal ID, phone number and consumption feature, and be uploaded to third party's net nationality storehouse server by internet and file;
Net nationality information updating step, user adopts the various modes of payments complete second time or conclude the business for more than three times by mobile terminal, subscriber identity information, mobile payment provider information, mobile terminal ID, phone number and consumption feature that the terminal record of same or different trade company is concluded the business at every turn, and be uploaded to third party's net nationality storehouse server by internet and in chronological sequence file;
Multiple credible discriminating step, the terminal of trade company is provided with risk evaluation module, user hold mobile terminal to trade company payment behavior initiate after, the information being gathered mobile terminal by the terminal of trade company and presented, and the terminal of trade company by the data resource with third party's net nationality storehouse server sync gained by risk evaluation module based on equipment, consumption feature and triple credible the one or more of of differentiation mechanism of communication channel carry out payment authentication, wherein equipment trusted mechanism refer to phone number bind with mobile terminal ID and with net nationality storehouse in register and the net nationality information upgraded is consistent, consumption feature trusted mechanism refer to user this pay corresponding to consumption feature whether be contained in net nationality storehouse and register and the net nationality information upgraded, communication channel trusted mechanism refers to the encryption channel between mobile terminal and the mobile backstage of communication network,
Complete payment step, after multiple credible differentiation, the user of certification completes payment, and during authentification failure, prompting reports an error.
Further, complete in payment step, in multiple credible differentiation and after authenticated success, also comprise user and make and confirm to pay the sub-step of action.
Further, complete in payment step, described prompting reports an error the terminal and the mobile terminal that are only presented in merchant tenninal or are presented in trade company simultaneously.
Further, in multiple credible discriminating step, be real-time synchronization or Timing Synchronization compartment off-line between the terminal of described trade company and third party's net nationality storehouse server.
Further, in multiple credible discriminating step, the differentiation priority of described equipment trusted mechanism is higher than consumption feature trusted mechanism, and the differentiation priority of consumption feature trusted mechanism is higher than communication channel trusted mechanism.
Further, under equipment trusted mechanism, single phone number and self multiple mobile terminal ID phase of user are bound or multiple phone number of user and self single mobile terminal ID phase are bound, and when equipment trusted mechanism differentiates, if wherein one group of phone number and mobile terminal ID with to register in net nationality storehouse and the net nationality information upgraded is consistent, then authentication success; If the combination of each group phone number and mobile terminal ID all with net nationality storehouse to be registered and the net nationality information upgraded is different, then authentification failure or redirect consumption feature trusted mechanism, communication channel trusted mechanism.
Further, in net nationality information registering and step of updating, if the mobile terminal ID in this exchange record net nationality information, one of phone number or subscriber identity information coincide with existing record in net nationality storehouse, be then merged into the net nationality information of respective user; Record if having in mobile terminal ID, phone number and subscriber identity information in this exchange record net nationality information and net nationality storehouse all different, be then registered as the net nationality information of new user.
Further, described subscriber identity information is name or the ID (identity number) card No. of user.
Further, described mobile payment provider information is tool Stored Value and the swipe the card debit card of application function or the card number of credit card.
Further, described consumption feature at least comprises generic, the quantity of payment corresponding purchase article or pays location.
The technical scheme of application the present invention credible mobile payment: by introducing the data resource in third party's net nationality storehouse and carrying out the technological transformation of risk assessment aspect based on the mobile payment hardware foundation of existing maturation; drastically increase security performance and the operation ease of Novel movable payment; conscientiously protect privacy of user, effectively contained the raw-material wasting of resources of real card simultaneously.
Accompanying drawing explanation
Fig. 1 is the realization flow schematic diagram that the present invention moves trusted payment.
Embodiment
The present invention is directed to the many bad present situation of these conventional payment means of prior art bankcard consumption, innovation proposes a kind of based on risk assessment and multiple believable method of mobile payment.This technology can break through the application limitation of the real card of traditional financial, relatively unsound, the easy leakage privacy of user of security mechanism particularly in Citizen Card Item bankcard consumption process or the reality such as to be usurped by fund and ask questions, realize a kind of efficient, convenient, have privacy ensure mobile payment solution, alleviate the burden that user carries with, promote customer consumption and experience.
As shown in Figure 1, the application of mobile payment of the present invention relates to user, trade company and mobile payment provider, and this method of mobile payment with internet, communication network and third party's net nationality storehouse server for hardware foundation.Particularly, user mobile terminal by the encryption channel of communication network and third party's net nationality storehouse server info interconnected; The terminal of trade company is then by internet and third party's net nationality storehouse server sync data; The mobile terminal of user is then interconnected or gathered the relevant information of mobile terminal by the auxiliary device of the terminal of trade company by near field with the terminal of trade company.
Below for the implementation step of method of mobile payment of the present invention, details are as follows in expansion respectively.
Net nationality information registering step 1., user adopts the existing modes of payments to complete initial transaction by mobile terminal, the subscriber identity information of this initial transaction of terminal record of trade company, mobile payment provider information, mobile terminal ID, phone number and consumption feature, and be uploaded to third party's net nationality storehouse server by internet and file.In practical application, user can adopt all multi-form application modes of payments to cut novel trusted payment mode.Such as adopt the application of the forms such as the Quick Response Code of mobile terminal, bar code pay and be uploaded to third party's net nationality storehouse server stores net nationality information, complete new user registration.Wherein subscriber identity information is name or the ID (identity number) card No. of user; Mobile payment provider information is tool Stored Value and the swipe the card debit card of application function or the card number of credit card; Consumption feature at least comprises generic, the quantity of payment corresponding purchase article or pays location.
Net nationality information updating step 2., user adopts the various modes of payments complete second time or conclude the business for more than three times by mobile terminal, subscriber identity information, mobile payment provider information, mobile terminal ID, phone number and consumption feature that the terminal record of same or different trade company is concluded the business at every turn, and be uploaded to third party's net nationality storehouse server by internet and in chronological sequence file.In practical application, the user completing new user registration can continue to adopt the tradition application modes of payments to complete payment, consolidate the net nationality information upgrading third party's net nationality storehouse server, or adopt the trusted payment scheme of core of the present invention to complete payment, the net nationality information of continuous updating third party net nationality storehouse server, form relatively clear and definite customer consumption customary model, as the reference of follow-up multiple credible differentiation risk assessment.
In above-mentioned net nationality information registering and step of updating, if the mobile terminal ID in this exchange record net nationality information, one of phone number or subscriber identity information coincide with existing record in net nationality storehouse, be then merged into the net nationality information of respective user; Record if having in mobile terminal ID, phone number and subscriber identity information in this exchange record net nationality information and net nationality storehouse all different, be then registered as the net nationality information of new user.
Multiple credible discriminating step 3., the terminal of trade company is provided with risk evaluation module, user hold mobile terminal to trade company payment behavior initiate after, the information being gathered mobile terminal by the terminal of trade company and presented, and the terminal of trade company by the data resource with third party's net nationality storehouse server sync gained by risk evaluation module based on equipment, consumption feature and triple credible the one or more of of differentiation mechanism of communication channel carry out payment authentication, wherein equipment trusted mechanism refer to phone number bind with mobile terminal ID and with net nationality storehouse in register and the net nationality information upgraded is consistent, consumption feature trusted mechanism refer to user this pay corresponding to consumption feature whether be contained in net nationality storehouse and register and the net nationality information upgraded, communication channel trusted mechanism refers to the encryption channel between mobile terminal and the mobile backstage of communication network, wherein the mode of single channel encryption is not restricted, be as the criterion to meet the requirement preventing hacker from eavesdropping to greatest extent.In practical application, the differentiation priority of equipment trusted mechanism is higher than consumption feature trusted mechanism, and the differentiation priority of consumption feature trusted mechanism is higher than communication channel trusted mechanism.Certainly also really not so restriction enforcement of the present invention.Be real-time synchronization or Timing Synchronization compartment off-line between the terminal of this trade company and third party's net nationality storehouse server.So no matter the terminal of trade company is in the state of online networking, or the state of the short net of off-line, all effectively can perform multiple credible differentiation.
Particularly, user have passed after equipment trusted mechanism differentiates, as this pay corresponding to consumption feature with to register in net nationality storehouse and the net nationality information upgraded is not consistent, then point out and report an error; When by operating mobile terminal, user confirms that can complete this pays, and upgrade the consumption feature in net nationality information.Consumption feature corresponding to this payment belongs in net nationality storehouse to be registered and the net nationality information upgraded, then differentiate and pass through.
Complete payment step 4., after multiple credible differentiation, the user of certification completes payment, and during authentification failure, prompting reports an error.Certainly, also comprise user and make the sub-step of confirmation payment action 5., its concrete form can be stamped signature, SMS confirmation code or other equivalent way.And prompting during authentification failure to report an error can be only be presented in merchant tenninal, also can be the terminal and the mobile terminal that are presented in trade company simultaneously.
As the multiple feasible embodiment of the present invention, under equipment trusted mechanism, single phone number and self multiple mobile terminal ID phase of user are bound or multiple phone number of user and self single mobile terminal ID phase are bound, and when equipment trusted mechanism differentiates, if wherein one group of phone number and mobile terminal ID with to register in net nationality storehouse and the net nationality information upgraded is consistent, then authentication success; If the combination of each group phone number and mobile terminal ID all with net nationality storehouse to be registered and the net nationality information upgraded is different, then authentification failure or redirect consumption feature trusted mechanism, communication channel trusted mechanism.
To sum up; the technical scheme of mobile payment that the present invention is credible: by introducing the data resource in third party's net nationality storehouse and carrying out the technological transformation of risk assessment aspect based on the mobile payment hardware foundation of existing maturation; drastically increase security performance and the operation ease of Novel movable payment; conscientiously protect privacy of user, effectively contained the raw-material wasting of resources of real card simultaneously.
Claims (10)
1. based on risk assessment and a multiple believable method of mobile payment, relate to user, trade company and mobile payment provider, it is characterized in that: described method of mobile payment for hardware foundation, comprises with internet, communication network and third party's net nationality storehouse server:
Net nationality information registering step, user adopts the existing modes of payments to complete initial transaction by mobile terminal, the subscriber identity information of this initial transaction of terminal record of trade company, mobile payment provider information, mobile terminal ID, phone number and consumption feature, and being uploaded to third party's net nationality storehouse server file by internet, the described existing modes of payments is at least the Quick Response Code of employing mobile terminal, the application of bar code form pays;
Net nationality information updating step, user adopts the various modes of payments complete second time or conclude the business for more than three times by mobile terminal, subscriber identity information, mobile payment provider information, mobile terminal ID, phone number and consumption feature that the terminal record of same or different trade company is concluded the business at every turn, and be uploaded to third party's net nationality storehouse server by internet and in chronological sequence file;
Multiple credible discriminating step, the terminal of trade company is provided with risk evaluation module, user hold mobile terminal to trade company payment behavior initiate after, the information being gathered mobile terminal by the terminal of trade company and presented, and the terminal of trade company by the data resource with third party's net nationality storehouse server sync gained by risk evaluation module based on equipment, consumption feature and triple credible the one or more of of differentiation mechanism of communication channel carry out payment authentication, wherein equipment trusted mechanism refer to phone number bind with mobile terminal ID and with net nationality storehouse in register and the net nationality information upgraded is consistent, consumption feature trusted mechanism refer to user this pay corresponding to consumption feature whether be contained in net nationality storehouse and register and the net nationality information upgraded, communication channel trusted mechanism refers to the encryption channel between mobile terminal and the mobile backstage of communication network,
Complete payment step, after multiple credible differentiation, the user of certification completes payment, and during authentification failure, prompting reports an error.
2. according to claim 1 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: complete in payment step, in multiple credible differentiation and after authenticated success, also comprise user and make and confirm to pay the sub-step of action.
3. according to claim 1 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: complete in payment step, described prompting reports an error the terminal and the mobile terminal that are only presented in merchant tenninal or are presented in trade company simultaneously.
4. according to claim 1 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: in multiple credible discriminating step, is real-time synchronization or Timing Synchronization compartment off-line between the terminal of described trade company and third party's net nationality storehouse server.
5. according to claim 1 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: in multiple credible discriminating step, the differentiation priority of described equipment trusted mechanism is higher than consumption feature trusted mechanism, and the differentiation priority of consumption feature trusted mechanism is higher than communication channel trusted mechanism.
6. according to claim 5 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: under equipment trusted mechanism, single phone number and self multiple mobile terminal ID phase of user are bound or multiple phone number of user and self single mobile terminal ID phase are bound, and when equipment trusted mechanism differentiates, if wherein one group of phone number and mobile terminal ID with to register in net nationality storehouse and the net nationality information upgraded is consistent, then authentication success; If the combination of each group phone number and mobile terminal ID all with net nationality storehouse to be registered and the net nationality information upgraded is different, then authentification failure or redirect consumption feature trusted mechanism, communication channel trusted mechanism.
7. according to claim 1 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: in net nationality information registering and step of updating, if the mobile terminal ID in this exchange record net nationality information, one of phone number or subscriber identity information coincide with existing record in net nationality storehouse, be then merged into the net nationality information of respective user; Record if having in mobile terminal ID, phone number and subscriber identity information in this exchange record net nationality information and net nationality storehouse all different, be then registered as the net nationality information of new user.
8. according to claim 1 or 6 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: described subscriber identity information is name or the ID (identity number) card No. of user.
9. according to claim 1 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: described mobile payment provider information is tool Stored Value and the swipe the card debit card of application function or the card number of credit card.
10. according to claim 1 based on risk assessment and multiple believable method of mobile payment, it is characterized in that: described consumption feature at least comprises generic, the quantity of payment corresponding purchase article or pays location.
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| CN104867011A (en) * | 2014-02-21 | 2015-08-26 | 中国电信股份有限公司 | Method and device for carrying out safety control on mobile payment |
| CN106204003B (en) * | 2015-04-29 | 2021-02-23 | 创新先进技术有限公司 | Method, device and system for safely transferring virtual resources |
| CN105260890A (en) * | 2015-09-25 | 2016-01-20 | 镇江明泰信息科技有限公司 | On-line secure payment method based on multi-domain user information big data analysis |
| CN108288160A (en) * | 2017-01-10 | 2018-07-17 | 中国移动通信集团贵州有限公司 | Method of payment and system based on credit evaluation guarantee |
| CN109242997A (en) * | 2018-11-07 | 2019-01-18 | 齐鲁交通信息集团有限公司 | A kind of self-service charging system and charging method improving highway traffic efficiency |
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| IES20010524A2 (en) * | 2001-06-01 | 2002-12-11 | Mainline Corporate Holdings | A secure on-line payment system |
| CN101216915B (en) * | 2008-01-21 | 2012-07-25 | 深圳市路通网络技术有限公司 | A secured mobile payment method |
| CN102110258A (en) * | 2009-12-28 | 2011-06-29 | 朱建明 | Mobile electronic business micro-payment scheme based on trust model |
| CN102685073B (en) * | 2011-03-11 | 2016-04-27 | 中国移动通信集团公司 | Safe payment method and mobile terminal |
| CN102930435A (en) * | 2012-09-19 | 2013-02-13 | 中国联合网络通信集团有限公司 | Authentication method and system for mobile payment |
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