CN103839161A - System and method for authentication and transmission of mobile payment information - Google Patents
System and method for authentication and transmission of mobile payment information Download PDFInfo
- Publication number
- CN103839161A CN103839161A CN201410109158.2A CN201410109158A CN103839161A CN 103839161 A CN103839161 A CN 103839161A CN 201410109158 A CN201410109158 A CN 201410109158A CN 103839161 A CN103839161 A CN 103839161A
- Authority
- CN
- China
- Prior art keywords
- mobile terminal
- information
- user
- authentification
- request
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The invention discloses a system and method for authentication and transmission of mobile payment information in the technical field of information security. The system comprises a mobile terminal, a server side and an information authentication side, wherein the mobile terminal is connected with the server side through a wireless network and outputs a communication request information packet containing the current position, the server side sends an information reception confirmation request to the mobile terminal according to the communication request information packet, the information authentication side is connected with the mobile terminal and the server side, receives an authentication request and an authentication information packet from the mobile terminal, and sends a communication allowance request to the server side. By means of the system and method for authentication and transmission of the mobile payment information, the behavior that illegal users pretend to be legal users to conduct transactions at places where the illegal users are not located can be effectively prevented, and the safety of the mobile terminal and the property safety of all service providers are ensured.
Description
Technical field
What the present invention relates to is a kind of method of field of information security technology, specifically a kind of mobile payment authentification of message and transmission system and method.
Background technology
Along with the progress of wireless messages technology, people's consumption buying habit is progressively tending to judicial convenience, high-speeding, and mobile terminal thinks to buy own required article whenever and wherever possible, has expedited the emergence of thus mobile payment.Mobile payment is a kind of monetary payoff mode that allows user to use commodity that its hand-held mobile terminal (comprising smart mobile phone, the handhold mobile terminal equipment that panel computer etc. can connecting wireless network carry out information communication) consumes it or service to carry out.Individual is by mobile device, and internet or Proximity Sensor directly or indirectly send payment instruction to bank finance mechanism and produce monetary payoff and capital transfer behavior, thereby realize mobile payment function.Mobile payment is terminal device, internet, and application provider and financial institution merge mutually, for user provides monetary payoff, the financial business such as payment.
Although mobile payment has great convenience, its safety issue is key one ring that determines that can mobile payment be promoted on a large scale.Current existing mobile payment technology can not solve four large technical matterss: 1. personation, the SIM card that is validated user is copied by lawless person, and it is used for palming off validated user and strange land mobile payment transaction behavior occurs, to authentification of message end, businessman, user causes economic loss.2. the re-transmission of move transaction information, lawless person intercepts and captures the Transaction Information in transmission, and user's Transaction Information is repeatedly sent to service network, is that service network can not be differentiated this transaction and sent by validated user, thereby causes economic loss to user.3. phenomenon is denied in transaction, may there is payment fraud problem in mobile terminal in mobile payment behavior, user may deny the payment behavior of sending, the expense that also may spend it and the transaction business Data Source producing are denied, thereby give Mobile Network Operator, authentification of message end and financial institution cause damage.4. electron pair bill, be user thought to know at any time the own consumption expenditure somewhere how much, whether exceed the Spending Limit oneself setting, whether exceed the moon appropriation budget etc. of oneself, be similar to bank card statement, but this electron pair bill has added geographical location information when mobile terminal consumption behavior occurs, and has great convenience for the user the check to its consumer behavior.
Through the retrieval of prior art is found, Chinese patent literature CN103400265A, open day 2013-11-20, a kind of quick paying method and system of position-based information are disclosed, this technology comprises: the positional information getting and the payment account information prestoring are sent to background process subsystem by mobile terminal, backstage subsystem location information and payment information carry out matching operation, send disposal password to described mobile terminal, location information is carried out corresponding associated with the first complex data of disposal password composition with payment account information.Mobile terminal shows disposal password, payment terminals receives the described disposal password of user's input, background process subsystem carries out matching operation to the second complex data and the first complex data, take out payment account information according to the first complex data, according to the dealing money information of payment terminals to the operation of withholing of corresponding payment account.But the prior art can not solve move transaction information retransmit issue in mobile payment; The problem that disposal password is usurped by intercepting and capturing; And user's mobile terminal device is stolen and lose after userspersonal information in its mobile terminal cracked by disabled user the problem that the move transaction of rear generation pays, thereby cause economic loss to validated user.
Summary of the invention
The present invention is directed to the problem that can not carry out according to mobile terminal particular geographic location information secure payment transactions in prior art, a kind of mobile payment authentification of message and transmission system and method are proposed, by added geographical location information bag in the mutual packet of mobile terminal, server end and authentification of message end, make three party carry out data analysis processing according to the customer location comprising in this geographical location information bag, obtain own Useful Information, efficiently solve non-legal mobile terminal and carry out the lawbreaking activities of strange land transaction.
The present invention is achieved by the following technical solutions:
The present invention relates to a kind of mobile payment authentification of message and transmission system, comprise: mobile terminal, server end and authentification of message end, wherein: mobile terminal and server end be connected by wireless network and output packet containing the communication request packets of information of current location, server end sends to mobile terminal the validation of information request of receiving according to communication request packets of information, authentification of message end is connected with server end with mobile terminal respectively, and receive respectively authentication request and the authentication information bag from mobile terminal, send permission communication request to server end.
In described communication request packets of information including but not limited to payment transaction request, positional information parsing, personal information data, user's reserved location information, predeterminated position encrypted message etc.
In described mobile terminal, be provided with navigator fix communication unit, this navigator fix communication unit is determined the current geographic position information of mobile terminal according to GPS, inertial navigation element, cellular radio base station, WiFi wireless signal.
In described authentification of message end, be provided with terminal user's individual database, the private key of the built-in corresponding mobile terminal of this database, preset geographical location information collection, predeterminated position authentication password, user's active regions etc.
In described authentification of message end, be provided with location fingerprint matching unit, this location fingerprint matching unit mates the location information of mobile terminal of acquisition with the location fingerprint database in terminal user's personal data, thereby determines the absolute geographic position of mobile terminal.
The mobile payment information transferring method that the present invention relates to said system, comprises the following steps:
Terminal user's individual database that step 1. mobile terminal comprises conventional transaction region, position preset password and mobile payment account number in the setting of authentification of message end.
Described position preset password includes but not limited to: character password, finger-print cipher, image recognition password etc.
Step 2. mobile terminal is opened navigator fix communication unit and is gathered current location, then sends to server end the communication request packets of information that comprises current location respectively, sends authentication request and communication request packets of information to authentification of message end.
Step 3. authentification of message end is received after authentication request and packets of information, from packets of information, extract current location and send the validation of information request that comprises this current location to mobile terminal: confirm that when mobile terminal current residing position is consistent with validation of information request, perform step 4; Otherwise termination this method.
Step 4. authentification of message end compares conventional transaction region in the current location of this mobile terminal and user's reserved location information and terminal user's individual database, and ask mobile terminal that position preset password checking are provided, after having inputted position preset password, mobile phone users performs step 5;
Described relatively comprise following any one:
4.1) when the current location of mobile terminal is contained in user's reserved location information;
4.2) when the current location of mobile terminal is not contained in user's reserved location information, but be contained in the conventional transaction region in terminal user's individual database;
4.3) when the current location of mobile terminal is contained in user's reserved location information, but be not contained in the conventional transaction region in terminal user's individual database;
4.4) when the current location information of mobile terminal is contained in the conventional transaction region in terminal user's individual database.
Step 5. authentification of message end compares according to the position password in the authentication information bag of receiving and the position preset password in terminal user's individual database.
When identical, perform step 6;
In the time of difference, authentification of message end locks payment transaction, re-executes step 5 later in locking time to the mobile terminal request of sending;
When the different number of times of comparative result exceedes maximumly while limiting number of times, authentification of message end locks the mobile payment account number of this mobile terminal, and to the mobile terminal information that gives a warning.
Step 6. authentification of message terminal request user inputs payment cipher, and after user inputs payment cipher and clicks and determine, mobile terminal sends with the authentication information bag of mobile terminal geographic position information and payment cipher to authentification of message end.
Step 7. authentification of message end sends permission communication request to server end, and the mobile terminal geographic position information in authentication information bag is added into terminal user's individual database; Server end allows after communication request to carry out secure communication with mobile terminal receiving.
Technique effect
Compared with prior art, technique effect of the present invention comprises: the user of mobile terminal, in the mutual dealing packet of server and authentification of message end, added geographical location information bag; The user of mobile terminal, server and authentification of message end can carry out data analysis processing according to the customer location comprising in this geographical location information bag, obtain own Useful Information, thereby such as application provider is by obtaining service for life information pushing that carries out position-based information in hot spot region etc. to a large amount of data analyses; Efficiently solve the strange land transaction that the user of non-legal mobile terminal carries out.
Brief description of the drawings
Fig. 1 is schematic flow sheet of the present invention.
Fig. 2 is system architecture schematic diagram of the present invention.
Fig. 3 is embodiment application schematic diagram.
Embodiment
Below embodiments of the invention are elaborated, the present embodiment is implemented under taking technical solution of the present invention as prerequisite, provided detailed embodiment and concrete operating process, but protection scope of the present invention is not limited to following embodiment.
Embodiment 1
As depicted in figs. 1 and 2, the present embodiment comprises the following steps:
1. terminal user's individual database that mobile terminal comprises conventional transaction region, position preset password and mobile payment account number in the setting of authentification of message end.
Described position preset password includes but not limited to: character password, finger-print cipher, image recognition password etc.
2. mobile terminal is opened navigator fix communication unit and is gathered current location, then sends to server end the packets of information that comprises current location respectively, sends authentication request and packets of information to authentification of message end.
3. authentification of message end is received after authentication request and packets of information, from packets of information, extract current location and send the validation of information request that comprises this current location to mobile terminal: confirm that when mobile terminal current residing position is consistent with validation of information request, perform step 4; Otherwise termination this method.
4. authentification of message end compares conventional transaction region in the current location of this mobile terminal and user's reserved location information and terminal user's individual database, and ask mobile terminal that position preset password checking are provided, after having inputted position preset password, mobile phone users performs step 5;
In the conventional payment transaction area information of user recording in described terminal user's individual database, region can be the often concrete retail shop of consumption of user, and is not only a certain geographic area scope.
Described relatively comprise following any one:
4.1) when the current location of mobile terminal is contained in user's reserved location information;
4.2) when the current location of mobile terminal is not contained in user's reserved location information, but be contained in the conventional transaction region in terminal user's individual database;
4.3) when the current location of mobile terminal is contained in user's reserved location information, but be not contained in the conventional transaction region in terminal user's individual database;
4.4) when the current location information of mobile terminal is contained in the conventional transaction region in terminal user's individual database.
5. authentification of message end compares according to the position password in the authentication information bag of receiving and the position preset password in terminal user's individual database:
When identical, perform step 6;
In the time of difference, authentification of message end locks payment transaction, re-executes step 5 later in locking time to the mobile terminal request of sending;
When the different number of times of comparative result exceedes maximumly while limiting number of times, authentification of message end locks the mobile payment account number of this mobile terminal, and to the mobile terminal information that gives a warning.
6. authentification of message terminal request user inputs payment cipher, and after user inputs payment cipher and clicks and determine, mobile terminal sends with the authentication information bag of mobile terminal geographic position information and payment cipher to authentification of message end.
7. authentification of message end sends permission communication request to server end, and the mobile terminal geographic position information in authentication information bag is added into terminal user's individual database; Server end allows after communication request to carry out secure communication with mobile terminal receiving.
Embodiment 2
As shown in figs. 1 and 3, the present embodiment comprises the following steps:
1. mobile terminal arranges conventional transaction payment region and position preset password at authentification of message end.
Mobile terminal can arrange multiple conventional transaction payment region, so that authentification of message end is set up users personal data storehouse according to this conventional transaction payment region; Mobile terminal setting position preset password is when identifying user when authentification of message end and or not its conventional transaction payment region, payment transaction not to occur, and request user inputs the authority of password to confirm that transaction is proceeded, and this password also comprises fingerprint, recognition of face.
2. mobile terminal is submitted order to businessman, and sends sequence information bag (table 2).
In sequence information bag, comprise user's geographical location information text.
3. mobile terminal sends payment transaction request to authentification of message end.
In the time producing mobile payment transaction request, mobile terminal can ask to open the program of identification customer position information, and this positional information and payment transaction request are sent to authentification of message end simultaneously.
4. authentification of message end sends geographical location information confirmation request to mobile terminal.
User confirms that whether oneself is in above-mentioned geographic position, and in order to open user, where, why payment mode has made place mat; In the time that non-validated user is confirmed this position, terminal user's individual database is automatically recorded the geographic position of this non-validated user and is required its input position preset password, for the fund security of validated user provides guarantee, effectively reduce the problem of palming off validated user in the non-validated user of mobile payment and carry out long-distance consuming, improved the security of mobile payment.
5. authentification of message end is by the judgement of comparing of this user's positional information.
Authentification of message end sees whether meet its platform payment risk judgment criteria, enter step 6 if meet standard by contrast judgement result; If the standard that do not meet enters step 7, carry out judgement next time.
6. user enters transaction payment interface, and third party transaction payment platform request user inputs transaction payment password, and sends the payment information bag (table 3) with mobile terminal geographic position information to authentification of message end.
In the time of three times in succession (existing Password Input errors number standard) Password Input mistakes of user cipher, by account locking, transaction is simultaneously cancelled; Input when correct when user cipher, enter step 8.This payment information handbag is containing user's geographical location information and required Payment Amount etc.
7. authentification of message end request user input position preset password.
In this step, authentification of message client database has identified user and has not concluded the business in its general regions, and request user inputs its position preset password, if Password Input is correct, enters step 6, carries out continuous business; If Password Input is incorrect, directly enter transaction and cancel link, authentification of message end can be notified businessman, and this user is payment, concludes the business and cancels.
8. authentification of message end informs that customer transaction pays successfully, and sends to user the received payment packets of information (table 4) that comprises mobile terminal geographic position information.
In this received payment packets of information, comprise user and produced transaction where, can be convenient to service provider and solve the problem that customer transaction is denied, entered step 9; And form a kind of mobile terminal electron pair bill that is similar to bank card statement at mobile terminal, make user know where oneself oneself has consumed how many in certain hour section, thereby enter step 10.
9. authentification of message end notice businessman, user's received payment, reminds businessman to deliver in time.
10. the each Transaction Information of mobile terminal records, pairing of electrons bill also upload the data in the user account of authentification of message end.
The data with location information of mobile terminal that produce in 11. payment transactions are stored in user's authentification of message end account.
The data with customer transaction positional information that produce in step 9 and step 10 can upload to user in the account of authentification of message end, thereby guarantee that user still can carry out by other equipment inquiry and the examination & verification of Transaction Information after user's mobile terminal is lost or damaged.
When user receives after bought goods, send to businessman the confirmation bag (table 5) of receiving, businessman can send user to authentification of message end and receive, request account transfer, authentification of message end sends account transfer packets of information (table 6) to businessman, and transaction finally completes.
Data transmission in the present invention is to realize with the form of data packets.Each data packets comprises: header, length, function code, the information content, check word, telegram end.Particular content is in table 1.
The telegram message ingredient of table 1 based on geographical location information
In table 1, have two points for attention as follows:
Note 1: in above transferring content, the content format in single quotation marks ' ' is ASCII; With the content of # beginning, represent that content is the value (example: work as FUN=0x01, #FUN=0x01) of heel parameter; With the content of 0x beginning, its value is the sexadecimal number after 0x, and INFO part adopts Unicode coded system.
Note 2:CHECKSUM value, adopts parity checking.
FUN value represents different operations, and the form of the information content is different.FUN value and implication thereof are as follows:
0x01 submits order to, sends sequence information bag;
0x02 payment, Sending Payments packets of information;
0x03 notifies delivery, sends received payment packets of information;
The 0x04 confirmation of receiving, sends the confirmation bag of receiving;
0x05 transfers accounts, and sends the packets of information of transferring accounts;
The sequence information bag of table 2 based on geographical location information
| Data item | Size (byte) | Type of coding | Remarks |
| Buyer's pet name | Indefinite | Unicode coding | # ending |
| Seller's pet name | Indefinite | Unicode coding | # ending |
| Trade name | Indefinite | Unicode coding | # ending |
| O/No. | 2B | ASCII coding | ? |
| The commodity amount of money | 2B | ASCII coding | ? |
| Geographic position | Indefinite | Unicode coding | # ending |
| Exchange hour | 4B | ASCII coding | ? |
| Ship-to | Indefinite | Unicode coding | # ending |
| Postcode | 2B | ASCII coding | ? |
| Consignee's phone | 2B | ASCII coding | ? |
The payment information bag of table 3 based on geographical location information
| Data item | Size (byte) | Type of coding | Remarks |
| Buyer's pet name | Indefinite | Unicode coding | # ending |
| Seller's pet name | Indefinite | Unicode coding | # ending |
| Dealing money | 2B | ASCII coding | ? |
| O/No. | 4B | ASCII coding | ? |
| Geographic position | Indefinite | Unicode coding | # ending |
| Exchange hour | 4B | ASCII coding | ? |
| Transaction Identification Number | 4B | ASCII coding | ? |
The received payment packets of information of table 4 based on geographical location information
| Data item | Size (byte) | Type of coding | Remarks |
| Buyer's pet name | Indefinite | Unicode coding | # ending |
| Seller's pet name | Indefinite | Unicode coding | # ending |
| Geographic position | Indefinite | Unicode coding | # ending |
| Dealing money | 2B | ASCII coding | ? |
| O/No. | 4B | ASCII coding | ? |
| Transaction Identification Number | 4B | ASCII coding | ? |
The receive confirmation bag of table 5 based on geographical location information
| Data item | Size (byte) | Type of coding | Remarks |
| Buyer's pet name | Indefinite | Unicode coding | # ending |
| Seller's pet name | Indefinite | Unicode coding | # ending |
| Dealing money | 2B | ASCII coding | ? |
| Geographic position | Indefinite | Unicode coding | # ending |
| O/No. | 4B | ASCII coding | ? |
| Transaction Identification Number | 4B | ASCII coding | ? |
The account transfer packets of information of table 6 based on geographical location information
| Data item | Size (byte) | Type of coding | Remarks |
| Buyer's pet name | Indefinite | Unicode coding | # ending |
| Seller's pet name | Indefinite | Unicode coding | # ending |
| Dealing money | 2B | ASCII coding | ? |
| Geographic position | Indefinite | Unicode coding | # ending |
| O/No. | 4B | ASCII coding | ? |
| Transaction Identification Number | 4B | ASCII coding | ? |
The present embodiment is by passing to authentification of message end by the geographical location information of mobile terminal, the conventional payment transaction of the user region that authentification of message end forms according to user's reserved location information and in its database judges each transaction of active user, the transaction of being made to be confirmed to be validated user, thus ensure that user uses the security of mobile payment.
Claims (6)
1. a mobile payment authentification of message and transmission system, it is characterized in that, comprise: mobile terminal, server end and authentification of message end, wherein: mobile terminal and server end be connected by wireless network and output packet containing the communication request packets of information of current location, server end sends to mobile terminal the validation of information request of receiving according to communication request packets of information, authentification of message end is connected with server end with mobile terminal respectively, and receive respectively authentication request and the authentication information bag from mobile terminal, send permission communication request to server end;
In described communication request packets of information, comprise: payment transaction request, positional information parsing, personal information data, user's reserved location information, predeterminated position encrypted message;
In described authentification of message end, be provided with terminal user's individual database, the private key of the built-in corresponding mobile terminal of this database, preset geographical location information collection, predeterminated position authentication password, user's active regions.
2. system according to claim 1, it is characterized in that, in described mobile terminal, be provided with navigator fix communication unit, this navigator fix communication unit is determined the current geographic position information of mobile terminal according to GPS, inertial navigation element, cellular radio base station, WiFi wireless signal.
3. system according to claim 1, it is characterized in that, in described authentification of message end, be provided with location fingerprint matching unit, this location fingerprint matching unit mates the location information of mobile terminal of acquisition with the location fingerprint database in terminal user's personal data, thereby determines the absolute geographic position of mobile terminal.
4. according to a mobile payment information transferring method for system described in above-mentioned arbitrary claim, it is characterized in that, comprise the following steps:
Terminal user's individual database that step 1. mobile terminal comprises conventional transaction region, position preset password and mobile payment account number in the setting of authentification of message end;
Step 2. mobile terminal is opened navigator fix communication unit and is gathered current location, then sends to server end the communication request packets of information that comprises current location respectively, sends authentication request and communication request packets of information to authentification of message end;
Step 3. authentification of message end is received after authentication request and packets of information, from packets of information, extract current location and send the validation of information request that comprises this current location to mobile terminal: confirm that when mobile terminal current residing position is consistent with validation of information request, perform step 4; Otherwise termination this method;
Step 4. authentification of message end compares conventional transaction region in the current location of this mobile terminal and user's reserved location information and terminal user's individual database, and ask mobile terminal that position preset password checking are provided, after having inputted position preset password, mobile phone users performs step 5;
Step 5. authentification of message end compares according to the position password in the authentication information bag of receiving and the position preset password in terminal user's individual database:
When identical, perform step 6;
In the time of difference, authentification of message end locks payment transaction, re-executes step 5 later in locking time to the mobile terminal request of sending;
When the different number of times of comparative result exceedes maximumly while limiting number of times, authentification of message end locks the mobile payment account number of this mobile terminal, and to the mobile terminal information that gives a warning;
Step 6. authentification of message terminal request user inputs payment cipher, and after user inputs payment cipher and clicks and determine, mobile terminal sends with the authentication information bag of mobile terminal geographic position information and payment cipher to authentification of message end;
Step 7. authentification of message end sends permission communication request to server end, and the mobile terminal geographic position information in authentication information bag is added into terminal user's individual database; Server end allows after communication request to carry out secure communication with mobile terminal receiving.
5. method according to claim 4, is characterized in that, described position preset password comprises: character password, finger-print cipher, image recognition password.
6. method according to claim 4, is characterized in that, described relatively comprise following any one:
4.1) when the current location of mobile terminal is contained in user's reserved location information;
4.2) when the current location of mobile terminal is not contained in user's reserved location information, but be contained in the conventional transaction region in terminal user's individual database;
4.3) when the current location of mobile terminal is contained in user's reserved location information, but be not contained in the conventional transaction region in terminal user's individual database;
4.4) when the current location information of mobile terminal is contained in the conventional transaction region in terminal user's individual database.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410109158.2A CN103839161A (en) | 2014-03-24 | 2014-03-24 | System and method for authentication and transmission of mobile payment information |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410109158.2A CN103839161A (en) | 2014-03-24 | 2014-03-24 | System and method for authentication and transmission of mobile payment information |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103839161A true CN103839161A (en) | 2014-06-04 |
Family
ID=50802636
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410109158.2A Pending CN103839161A (en) | 2014-03-24 | 2014-03-24 | System and method for authentication and transmission of mobile payment information |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103839161A (en) |
Cited By (21)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104504568A (en) * | 2014-12-26 | 2015-04-08 | 网易宝有限公司 | Payment mode control method and payment mode control equipment |
| CN104700266A (en) * | 2015-03-16 | 2015-06-10 | 深圳酷派技术有限公司 | Safe payment method and safe payment device |
| CN104778583A (en) * | 2015-05-11 | 2015-07-15 | 易联支付有限公司 | Security verification method for mobile payment |
| CN104794615A (en) * | 2015-05-11 | 2015-07-22 | 易联支付有限公司 | Safety verification method for mobile phone payment |
| CN104794616A (en) * | 2015-05-11 | 2015-07-22 | 易联支付有限公司 | Safety verification method for mobile phone payment |
| CN105046484A (en) * | 2015-06-25 | 2015-11-11 | 广东欧珀移动通信有限公司 | Mobile payment method and system and mobile terminal |
| CN105049470A (en) * | 2015-05-22 | 2015-11-11 | 腾讯科技（北京）有限公司 | Event confirming method, apparatus and system |
| CN105187448A (en) * | 2015-09-30 | 2015-12-23 | 宇龙计算机通信科技(深圳)有限公司 | Service processing method and service equipment |
| WO2016091111A1 (en) * | 2014-12-09 | 2016-06-16 | 阿里巴巴集团控股有限公司 | Service processing method and apparatus, and service server |
| CN105741112A (en) * | 2014-12-24 | 2016-07-06 | Sk普兰尼特有限公司 | Apparatus For Authentication And Payment Based On Web, Method For Authentication And Payment Based On Web, System For Authentication And Payment Based On Web And Non-Transitory Computer Readable Storage Medium Having Computer Program Recorded Thereon |
| CN106156558A (en) * | 2015-04-14 | 2016-11-23 | 广州杰赛科技股份有限公司 | A kind of automated periodic authentication method |
| CN107293070A (en) * | 2017-05-16 | 2017-10-24 | 广东网金控股股份有限公司 | Financial terminal safety protecting method and system based on GPS location |
| CN107403322A (en) * | 2017-06-23 | 2017-11-28 | 口碑控股有限公司 | Determination, method for authenticating user identity, device and the computing device of operating reliability |
| CN107491961A (en) * | 2017-09-02 | 2017-12-19 | 刘兴丹 | A kind of method, apparatus of the network payment of NFC checkings |
| CN107749837A (en) * | 2017-09-26 | 2018-03-02 | 甘肃万维信息技术有限责任公司 | A kind of E-Government Resource Security guard system and its method |
| CN107784501A (en) * | 2017-09-29 | 2018-03-09 | 九派天下支付有限公司 | A kind of safe method of payment and system based on recognition of face |
| CN108021612A (en) * | 2017-11-02 | 2018-05-11 | 招商银行股份有限公司 | Loco measure, equipment and computer-readable recording medium |
| CN110399763A (en) * | 2018-04-24 | 2019-11-01 | 深圳奥比中光科技有限公司 | Face identification method and system |
| CN110800322A (en) * | 2017-06-28 | 2020-02-14 | 甲骨文国际公司 | Methods, systems, and computer readable media for verifying User Equipment (UE) location |
| TWI691917B (en) * | 2016-09-30 | 2020-04-21 | 黃少風 | Support transaction and reconciliation systems for third-party payment services |
| CN113421087A (en) * | 2018-06-12 | 2021-09-21 | 创新先进技术有限公司 | Payment processing method and device and server |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101454794A (en) * | 2006-03-30 | 2009-06-10 | 奥博佩公司 | Mobile person-to-person payment system |
| CN102572834A (en) * | 2012-03-19 | 2012-07-11 | 上海捷银信息技术有限公司 | Method for mutual authentication among near wireless communication terminals |
| 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 |
| CN103035078A (en) * | 2012-11-30 | 2013-04-10 | 深圳天源迪科信息技术股份有限公司 | Payment security monitoring method based on position |
-
2014
- 2014-03-24 CN CN201410109158.2A patent/CN103839161A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101454794A (en) * | 2006-03-30 | 2009-06-10 | 奥博佩公司 | Mobile person-to-person payment system |
| CN102572834A (en) * | 2012-03-19 | 2012-07-11 | 上海捷银信息技术有限公司 | Method for mutual authentication among near wireless communication terminals |
| 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 |
| CN103035078A (en) * | 2012-11-30 | 2013-04-10 | 深圳天源迪科信息技术股份有限公司 | Payment security monitoring method based on position |
Cited By (29)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016091111A1 (en) * | 2014-12-09 | 2016-06-16 | 阿里巴巴集团控股有限公司 | Service processing method and apparatus, and service server |
| US10917498B2 (en) | 2014-12-09 | 2021-02-09 | Advanced New Technologies Co., Ltd. | Service processing method and apparatus, and service server |
| US10404830B2 (en) | 2014-12-09 | 2019-09-03 | Alibaba Group Holding Limited | Service processing method and apparatus, and service server |
| CN105741112B (en) * | 2014-12-24 | 2021-03-09 | 11街股份有限公司 | Network-based authentication payment device, authentication payment method and authentication payment system |
| CN105741112A (en) * | 2014-12-24 | 2016-07-06 | Sk普兰尼特有限公司 | Apparatus For Authentication And Payment Based On Web, Method For Authentication And Payment Based On Web, System For Authentication And Payment Based On Web And Non-Transitory Computer Readable Storage Medium Having Computer Program Recorded Thereon |
| CN104504568A (en) * | 2014-12-26 | 2015-04-08 | 网易宝有限公司 | Payment mode control method and payment mode control equipment |
| CN104700266A (en) * | 2015-03-16 | 2015-06-10 | 深圳酷派技术有限公司 | Safe payment method and safe payment device |
| CN106156558A (en) * | 2015-04-14 | 2016-11-23 | 广州杰赛科技股份有限公司 | A kind of automated periodic authentication method |
| CN104794616A (en) * | 2015-05-11 | 2015-07-22 | 易联支付有限公司 | Safety verification method for mobile phone payment |
| CN104794615A (en) * | 2015-05-11 | 2015-07-22 | 易联支付有限公司 | Safety verification method for mobile phone payment |
| CN104778583A (en) * | 2015-05-11 | 2015-07-15 | 易联支付有限公司 | Security verification method for mobile payment |
| CN105049470A (en) * | 2015-05-22 | 2015-11-11 | 腾讯科技（北京）有限公司 | Event confirming method, apparatus and system |
| CN105049470B (en) * | 2015-05-22 | 2019-03-01 | 腾讯科技（北京）有限公司 | Event confirmation method, apparatus and system |
| CN105046484A (en) * | 2015-06-25 | 2015-11-11 | 广东欧珀移动通信有限公司 | Mobile payment method and system and mobile terminal |
| CN105187448A (en) * | 2015-09-30 | 2015-12-23 | 宇龙计算机通信科技(深圳)有限公司 | Service processing method and service equipment |
| WO2017054287A1 (en) * | 2015-09-30 | 2017-04-06 | 宇龙计算机通信科技(深圳)有限公司 | Service processing method and service device |
| TWI691917B (en) * | 2016-09-30 | 2020-04-21 | 黃少風 | Support transaction and reconciliation systems for third-party payment services |
| CN107293070A (en) * | 2017-05-16 | 2017-10-24 | 广东网金控股股份有限公司 | Financial terminal safety protecting method and system based on GPS location |
| CN107403322A (en) * | 2017-06-23 | 2017-11-28 | 口碑控股有限公司 | Determination, method for authenticating user identity, device and the computing device of operating reliability |
| CN110800322A (en) * | 2017-06-28 | 2020-02-14 | 甲骨文国际公司 | Methods, systems, and computer readable media for verifying User Equipment (UE) location |
| CN110800322B (en) * | 2017-06-28 | 2021-05-25 | 甲骨文国际公司 | Methods, systems, and computer readable media for verifying User Equipment (UE) location |
| CN107491961B (en) * | 2017-09-02 | 2020-12-22 | 江苏沃银数据服务有限公司 | NFC (near field communication) verification network payment method and device |
| CN107491961A (en) * | 2017-09-02 | 2017-12-19 | 刘兴丹 | A kind of method, apparatus of the network payment of NFC checkings |
| CN107749837A (en) * | 2017-09-26 | 2018-03-02 | 甘肃万维信息技术有限责任公司 | A kind of E-Government Resource Security guard system and its method |
| CN107784501A (en) * | 2017-09-29 | 2018-03-09 | 九派天下支付有限公司 | A kind of safe method of payment and system based on recognition of face |
| CN108021612A (en) * | 2017-11-02 | 2018-05-11 | 招商银行股份有限公司 | Loco measure, equipment and computer-readable recording medium |
| CN110399763A (en) * | 2018-04-24 | 2019-11-01 | 深圳奥比中光科技有限公司 | Face identification method and system |
| CN110399763B (en) * | 2018-04-24 | 2023-04-18 | 奥比中光科技集团股份有限公司 | Face recognition method and system |
| CN113421087A (en) * | 2018-06-12 | 2021-09-21 | 创新先进技术有限公司 | Payment processing method and device and server |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103839161A (en) | System and method for authentication and transmission of mobile payment information | |
| US10402815B2 (en) | Method for using barcodes and mobile devices to conduct payment transactions | |
| RU2711464C2 (en) | Multiple-device transaction verification | |
| US20140214670A1 (en) | Method for verifying a consumer's identity within a consumer/merchant transaction | |
| US20030169881A1 (en) | Location based fraud reduction system and method | |
| CN104603808A (en) | Payment apparatus and method | |
| CN105493116A (en) | Methods and systems for provisioning payment credentials | |
| US20210337389A1 (en) | System and method for correlating diverse location data for data security | |
| CN104871187A (en) | Online transaction system | |
| US20140297440A1 (en) | Secure two party matching transaction system | |
| CN103198405A (en) | Intelligent payment method and system based on camera scanning verification | |
| CN104361491A (en) | Mobile paying method and system | |
| US20200097937A1 (en) | Token-based open-loop stored-value card network | |
| CN105279642A (en) | Payment method based on data push | |
| CN107368719A (en) | A kind of E-commerce transaction platform login authentication system | |
| CN111815326A (en) | Payment method in flight state, device, equipment and storage medium thereof | |
| CN105005732A (en) | Electronic certificate non-contact recognizing and verifying method based on wireless hardware character | |
| CN110476398A (en) | Utilize the duplicity wireless network detection close to network data | |
| CN109074542B (en) | System and method for using network data in an automated delivery system | |
| CN101093592A (en) | Off line value stored type gathering and paying method by hand held mobile device based on public network | |
| US20140008432A1 (en) | Method for hub and spokes pin verification for credit cards with card information stored in a magnetic stripe | |
| CN107491955A (en) | Encryption method, authentication and the electronic fare payment system and method for mobile terminal | |
| KR20130089746A (en) | Payment method using smart device | |
| WO2018141488A1 (en) | User authorization for cards and contactless payment devices | |
| KR101339016B1 (en) | Finance system using finance card for security code and method thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20140604 |