CN104182870B - A kind of safe payment method and payment system based on mobile phone wallet - Google Patents

A kind of safe payment method and payment system based on mobile phone wallet Download PDF

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Publication number
CN104182870B
CN104182870B CN201310198197.XA CN201310198197A CN104182870B CN 104182870 B CN104182870 B CN 104182870B CN 201310198197 A CN201310198197 A CN 201310198197A CN 104182870 B CN104182870 B CN 104182870B
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CN
China
Prior art keywords
mobile phone
user
phone wallet
transaction
card
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CN201310198197.XA
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Chinese (zh)
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CN104182870A (en
Inventor
何朔
徐文虎
吕旭峰
周钰
郑建宾
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中国银联股份有限公司
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Priority to CN201310198197.XA priority Critical patent/CN104182870B/en
Publication of CN104182870A publication Critical patent/CN104182870A/en
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Publication of CN104182870B publication Critical patent/CN104182870B/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or user identification provision, e.g. password entry
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transaction

Abstract

The present invention relates to the safe payment method based on mobile phone wallet and safety payment system.The method comprising the steps of:User policy formulates step, and user voluntarily formulates the user policy verified to the payment based on mobile phone wallet;User policy verification step, after user carries out bankcard consumption using mobile phone wallet or Payment Card, mobile phone wallet is communicated with POS terminal, obtains the Transaction Information of user, and transaction is verified according to the user policy;Trading Authorization/refusal step, in the case where user policy is proved to be successful, Trading Authorization is sent by the case of user policy authentication failed, sending Trading Authorization failure to POS terminal or carrying out back-up safety certification to POS terminal.Lost or in accordance with the invention it is possible to be effectively prevented from Payment Card to steal brush phenomenon caused by card, and on the premise of ensureing user with card safety can my pico- user great convenience is provided.

Description

A kind of safe payment method and payment system based on mobile phone wallet

Technical field

The present invention relates to information security technology, more particularly to a kind of safe payment method and branch based on mobile phone wallet The system of paying.

Background technology

Bank card has become one of main means of payment of people's personal consumption, but due to when holder uses bank card Negligence causes bank card information to reveal, or offender steals customer information by various illegal approach, causes bank The phenomenon for stealing brush grows in intensity.

Existing market either magnetic stripe card or chip card, when user is paid, simply to the true of card Property verified by technological means, but the authenticity of holder can not be verified, thus due to losing or It is to forge magnetic stripe card, can be paid, larger risk is brought for holder.

The content of the invention

In view of the above problems, it is the present invention is intended to provide a kind of by being traded mandate based on subscriber identity information come effectively Reduce Payment Card(Particularly bank card)The risk of stolen brush.

According to the safe payment method and payment system based on mobile phone wallet of the present invention, during transaction, if Mobile phone-money Bag separate with Payment Card in the case of, it is necessary to user's brush Payment Card and mobile phone wallet, therefore when user's Payment Card loss or system When causing pseudo- block, then payment transaction can not be carried out, therefore brush is stolen caused by can effectively avoiding bank card loss or pseudo- card Phenomenon.Moreover, during transaction, if in the case of mobile phone wallet and Payment Card one, not only needing user's brush mobile phone wallet, also needing User policy checking is further carried out, therefore when the mobile phone wallet of user is lost, other people are also because user can not be completed Rule verification and payment transaction can not be carried out, therefore also can effectively avoid as Payment Card mobile phone wallet lose and caused by robber Brush phenomenon.

Further, according to the safe payment method and payment system based on mobile phone wallet of the present invention, all checkings Checking i.e. based on user policy is all locally being carried out, i.e., is all to be completed by mobile phone wallet, needs not move through background authentication, Therefore can be on the premise of ensureing user with card safety, there is provided great convenience.

The safe payment method based on mobile phone wallet of the present invention, it is characterised in that comprise the steps:

User policy formulates step, and user voluntarily formulates the user policy verified to the payment based on mobile phone wallet;

User policy verification step, after user carries out bankcard consumption using mobile phone wallet or Payment Card, mobile phone wallet Communicated with POS terminal, obtain the Transaction Information of user, and transaction is verified according to the user policy;

Trading Authorization/refusal step, in the case where user policy is proved to be successful, sends Trading Authorization to POS terminal and lead to Cross, in the case of user policy authentication failed, send Trading Authorization failure to POS terminal or carry out back-up safety certification.

Preferably, the user policy, which formulates step, includes following sub-steps:

Step a:The true identity information and mobile phone wallet of user are bound, the true identity information includes:Body It is one or more in part card information, payment card information, communication information;

Step b:Mobile phone wallet initiates authentication according to the true identity information to corresponding mechanism;

Step c:Corresponding to each Payment Card card number user sets itself user policy, the key element of the user policy includes One in Payment Card card number, exchange hour, transaction area, single dealing money, day cumulative transaction amount, odd-numbered day transaction stroke count It is or multinomial.

Preferably, the key element of the user policy comprises at least Payment Card card number, exchange hour, transaction area, single friendship In the case of the easy amount of money, day cumulative transaction amount, odd-numbered day transaction stroke count,

The user policy verification step includes following sub-steps:

Step 1:Judge Payment Card card number, the user policy according to corresponding to being read Payment Card card number;

Step 2:The particular geographic location currently merchandised is obtained by the positioning function of mobile phone;

Step 3:Obtain the current system time of mobile phone;

Step 4:Obtain the historical record that current Payment Card is stored in mobile phone;

Step 5:Judge exchange hour, transaction area, single dealing money, day cumulative transaction amount, day accumulative transaction pen Whether number meets the user policy.

Preferably, the back-up safety certification is enquirement checking with high safety or password authentification with high safety.

Preferably, it is that prompting user inputs safety problem and answer that the safety, which puts question to checking, if being proved to be successful to POS terminal sends Trading Authorization success, is sent if authentication failed to POS terminal and is subject to authorization failure.

Preferably, the security password checking is that prompting user inputs security password, to POS terminal if being proved to be successful Trading Authorization success is sent, is sent if authentication failed to POS terminal and is subject to authorization failure.

Preferably, in the user policy verification step, after user carries out bankcard consumption using Payment Card, that is, pay In the case that card separates with mobile phone wallet, POS terminal determines a need for voluntarily user by the interaction between mobile phone wallet Rule verification, in the case of if desired performing user's checking, Transaction Information is sent out by POS terminal by user's brush mobile phone wallet Mobile phone wallet is sent to, transaction is verified according to the user policy by mobile phone wallet.

Preferably, it is after user carries out bankcard consumption using mobile phone wallet, i.e., straight in the user policy verification step Connect in the case that mobile phone wallet is traded as Payment Card, POS terminal is by the interaction judgement between mobile phone wallet No needs voluntarily verify by user policy, and in the case of if desired performing user's checking, POS terminal sends transaction information to mobile phone Wallet, transaction is verified according to the user policy by mobile phone wallet.

The safety payment system based on mobile phone wallet of the present invention, it is characterised in that including:Mobile terminal, POS terminal, POS receives single platform, authentication platform, wherein,

The mobile terminal be used for realize mobile phone wallet function and for realize and the POS terminal between communication, And the communication between the authentication platform, wherein,

The mobile phone wallet is used to be bound the identity information of holder and mobile phone wallet, and for storing to base The user policy verified in the payment of mobile phone wallet and for being brushed in user using mobile phone wallet or Payment Card Transaction is verified according to the user policy after card,

The POS terminal, which is used to realize, to be interacted with mobile phone wallet and the result of transaction is held according to mobile phone wallet Row initiates transaction or refusal transaction,

The information exchange received single platform and be used between realization and the POS terminal,

The authentication platform is used to receive subscriber identity information from the mobile phone wallet and be held according to identity information The corresponding authentication of row and the result of checking is returned into mobile phone wallet.

Preferably, it is described to receive single platform and be used to realizing the setting that whether needs mobile phone wallet to be verified and whole to POS End issues the information for whether needing to carry out mobile phone wallet certification.

Preferably, the authentication platform includes following one or more:

ID card information verification platform, for sending the ID card information for certification to Ministry of Public Security's system;

Payment card information verification platform, for sending the payment card information for certification to Payment Card credit card issuer;

Information of mobile terminal verification platform, for sending the communication information for certification to operator.

According to the safe payment method and payment system based on mobile phone wallet of the present invention, during transaction, if Mobile phone-money Bag separate with Payment Card in the case of, it is necessary to user's brush Payment Card and mobile phone wallet, therefore work as Payment Card loss or be manufactured into During puppet card, then payment transaction can not be carried out, therefore brush phenomenon is stolen caused by can effectively avoiding bank card loss or pseudo- card. Moreover, during transaction, if in the case of mobile phone wallet and Payment Card one, not only needing user's brush mobile phone wallet, it is also necessary to enter One step carries out user policy checking, therefore when the mobile phone wallet of user is lost, other people are also because user policy can not be completed Checking and payment transaction can not be carried out, therefore also can effectively avoid losing as the mobile phone wallet of Payment Card and caused by steal brush existing As.

Further, according to the safe payment method and payment system based on mobile phone wallet of the present invention, all checkings Checking i.e. based on user policy is all locally being carried out, i.e., is all to be completed by mobile phone wallet, needs not move through background authentication, Therefore can be on the premise of ensureing user with card safety, there is provided great convenience.

Brief description of the drawings

Fig. 1 is the structural map for representing the safety payment system based on mobile phone wallet of the present invention.

Fig. 2 is the flow chart for the key step for representing the safe payment method based on mobile phone wallet of the present invention.

Embodiment

What is be described below is some in multiple embodiments of the invention, it is desirable to provide to the basic understanding of the present invention, and It is not intended to the crucial or conclusive key element for confirming the present invention or limits scope of the claimed.

" mobile phone wallet " referred to herein refers to the phone number of user and defined Payment Card(Such as bank card) Bound, by modes of operation such as SMSs, provide the user personalized financial service whenever and wherever possible and efficiently pay Channel." mobile phone wallet " is with payment card account(Such as bank card account)For the business that financial support, mobile phone are instrument of exchange, Exactly the payment card account of user and subscriber phone number are bound, pass through a variety of sides such as mobile phone short message, IVR, WAP Formula, user can operate to binding account, realize purchase and consumption, bill payment, transfer accounts, account balance inquiry and can pass through The modes such as short message obtain transaction results notice and account change notification etc..Mobile phone wallet can with POS terminal by various modes, For example, NFC technique(NFC:Near Field Communication, near field communication (NFC))Carry out information exchange.

Below, illustrated for the safe payment method based on mobile phone wallet and secure payment system of the present invention.

The present invention based on the safe payment method of mobile phone wallet by user voluntarily configuration verification rule, pay when hand The mandate that machine wallet will be automatically traded according to the proof rule of user configuration automatically, so as to be carried for holder's fund security For ensureing.

Fig. 1 is the structural map for representing the safety payment system based on mobile phone wallet of the present invention.It is as shown in figure 1, of the invention The safety payment system based on mobile phone wallet include mobile terminal(Such as mobile phone)100th, POS terminal 200, POS receive single platform 300th, authentication platform 300.

Fig. 2 is the flow chart for the key step for representing the safe payment method based on mobile phone wallet of the present invention.

As shown in figure 1, the key step of the safe payment method based on mobile phone wallet of the present invention includes:

User policy formulates step S101:User passes through interacting and in mobile phone wallet between authentication platform 400 In voluntarily formulate the user policy verified to the payment based on mobile phone wallet;

User policy verification step S102:After user carries out bankcard consumption using mobile phone wallet or Payment Card, mobile phone Wallet is communicated with POS terminal 200 to obtain the Transaction Information of user and transaction is tested according to the user policy Card;

Trading Authorization/refusal step S103:In the case where user policy is proved to be successful, mobile phone wallet is to POS terminal 200 Trading Authorization is sent by the way that in the case of user policy authentication failed, mobile phone wallet sends Trading Authorization to POS terminal 200 Failure carries out back-up safety certification.

Wherein, the user policy, which formulates step S101, includes following sub-steps:

Step S101a:The true identity information and mobile phone wallet of user are bound, the true identity packet Include:It is one or more in ID card information, payment card information, communication information;

Step S101b:Mobile phone wallet initiates authentication according to the true identity information to corresponding mechanism;

Step S101c:Corresponding to each Payment Card card number user sets itself user policy, the key element of the user policy Including in Payment Card card number, exchange hour, transaction area, single dealing money, day cumulative transaction amount, odd-numbered day transaction stroke count One or more.

In the step S101a and step S101b, mainly the true identity of holder and mobile phone wallet are tied up Fixed, user inputs ID card information, payment card information and the communication information for being able to demonstrate that oneself identity, and mobile phone wallet will be to corresponding Mechanism(For example, ID card information is sent to Ministry of Public Security's system, payment card information is sent to credit card issuer, by the communication information It is sent to operator)Initiate authentication.

In addition, mobile phone wallet can also carry out automatic measure grading, table specific as follows according to the result of certification to user(Show in table The situation of example is the situation that Payment Card is bank card):

Safe star Grading rule One star Verified by Ministry of Public Security's system, identity card name is true and consistent with identification card number. Two stars Pass through photograph video certification. Samsung Verified by business system, cell-phone number system of real name information is consistent with the identity information provided. Four stars Pass through the bank card real name verification of a bank. Five-pointed star Pass through the bank card real name verification of two banks.

In upper table, level of security increases as star increases, also, each star recognizing comprising above all stars Content is demonstrate,proved, for example, two stars include Ministry of Public Security's system checking and photograph video certification, Samsung include Ministry of Public Security's system checking, photo Video authentication and business system checking, the rest may be inferred.

In the step S101c, user can sets itself be used for the user policy verified, also referred to as safety rule Then, the key element of safety regulation includes:Payment Card card number, exchange hour, transaction area, single dealing money, day accumulative trade gold Volume, odd-numbered day transaction stroke count, state.

Per the relation between rule key element being "AND", but key element value is the relation of "or", and rule acquiescence is to allow Transaction, i.e., directly allow to merchandise within rule, if needing refusal to merchandise or carry out back-up safety certification outside rule.This In be illustrated by bank card of Payment Card.It is safety regulation as user policy, setting is as follows:

Regular key element User's arranges value Bank's card number 622609210361158 Exchange hour On January 1,1 day -2014 January in 2013 Transaction area Beijing, Shanghai Single dealing money 1000 yuan Day cumulative transaction amount 10000 yuan Add up transaction stroke count day 10 State Open

Then it is provided accordingly to:' 622609210361158 ' AND ' 2013 on January 1, on January 1, -2014 ' Or Shanghai, AND ' Beijing ' AND of AND ' 1000 ' ' 10000 ' AND ' 10 ' AND ' open '.

Its implication is looked like:Card number is 622609210361158 only on the date in January 11 day to 2014 January in 2013 Between, and place is consumed in Beijing and Shanghai, dealing money single can not be more than 1000 yuan, and day is accumulative no more than 10000 yuan, day Accumulative stroke count is no more than 10.When only transaction meets above-mentioned condition, just allow to carry out transaction of swiping the card.

In addition, for same Payment Card, a safety regulation can only be set.However, it is possible to for different Payment Cards Identical safety regulation is set, so, in the case of same mobile terminal and the binding of multiple Payment Cards, as long as to Payment Card Card number(Bank's card number in upper table)Partial setting is modified, it is not necessary to other element is modified, being capable of band To use upper convenience.

Then, illustrated for the user policy verification step S102.

User policy verification step S102 includes following sub-steps:

Step S102a:Judge Payment Card card number, corresponding user policy is read according to Payment Card card number;

Step S102b:The particular geographic location currently merchandised is obtained by the positioning function of mobile phone;

Step S102c:Obtain the current system time of mobile phone;

Step S102d:Obtain the historical record that current Payment Card is stored in mobile phone;

Step S102e:Judge exchange hour, transaction area, single dealing money, day cumulative transaction amount, day accumulative friendship Whether easy stroke count meets the user policy.

Then, illustrated for the Trading Authorization/refusal step S103.

In Trading Authorization/refusal step S103, in the case where user policy is proved to be successful, i.e., in above-mentioned example Judge whether exchange hour, transaction area, single dealing money, day cumulative transaction amount, day accumulative transaction stroke count all meet use In the case of the rule of family, mobile phone wallet sends Trading Authorization to POS terminal 200 and passed through.

On the other hand, in the case of user policy authentication failed, i.e., exchange hour, transaction are judged in above-mentioned example As long as area, single dealing money, day cumulative transaction amount, add up in transaction stroke count there are the feelings for not meeting user policy day Under condition, mobile phone wallet sends Trading Authorization failure to POS terminal 200, or carries out following back-up safety certifications.

In the present invention, as back-up safety certification, following two modes are proposed:

Back-up safety certification Lexical or textual analysis Security password The security password for needing user's input to set in advance when transaction is unsatisfactory for the trading rules of user's setting. Safety problem The safety problem for needing user's input to set in advance when transaction is unsatisfactory for the trading rules of user's setting.Such as:Where is the address in local

Illustrated below for the safety payment system based on mobile phone wallet of the present invention.

The safety payment system based on mobile phone wallet of the present invention includes as shown in Figure 1:Mobile terminal 100, POS terminal 200th, POS receives single platform 300, authentication platform 400.

The mobile terminal 100 is used to realize mobile phone wallet function and for realizing and leading between the POS terminal Letter and the communication between the authentication platform, wherein, the mobile phone wallet be used for the identity information of holder and Mobile phone wallet carries out Baoding, and for storing the user policy verified to the payment based on mobile phone wallet and being used for User verifies using after mobile phone wallet or Payment Card progress bankcard consumption according to the user policy to transaction.

The POS terminal 200 be used to realizing with mobile phone wallet interact and checking knot according to mobile phone wallet to transaction Fruit, which performs, initiates transaction or refusal transaction.The information friendship received single platform 300 and be used between realization and the POS terminal Mutually.The authentication platform 400 is used to receive subscriber identity information from the mobile phone wallet and be performed according to identity information Corresponding authentication and the result of checking is returned into mobile phone wallet.

It is specifically described below for each component units of the safety payment system based on mobile phone wallet of the present invention.

(1)Mobile phone wallet.

It is main to realize following three functions:

Subscriber identity information inputs:User oneself will be able to demonstrate that the information of identity, such as ID card information, Payment Card letter Breath, the communication information are input in mobile phone wallet;

User policy is formulated:The flexible customization function of rule is provided the user, i.e., above-mentioned user policy is set;

User policy is verified:After user card punching, mobile phone wallet is communicated with POS terminal, obtains the transaction letter of user Breath, such as:Card number and the amount of money, the judgement that the rule that then mobile phone wallet is specified according to user is traded, specific deterministic process It is as follows:

The first step:Judge the card number of transaction, and read regular corresponding to card number;

Second step:The particular geographic location of user is determined by the position of the positioning function lookup user of mobile phone;

3rd step:Obtain current system time;

4th step:Obtain current card and be stored in local transaction record;

5th step:Each regular judgment expression is generated, and whether judge each key element meets rule, it is specific to judge It is as follows:

Exchange hour judges:{(Rule transaction initial time<=current time)True :Flase ] } AND {(Rule Then trade end time>=current time)True :Flase ] };

Transaction area judges:{(Current loco 1==rule sets up an office loco 1)True :Flase } or {(Current loco 2==rule sets up an office loco 2)True :Flase ] } or {(Current loco n== Rule sets up an office loco n)True :Flase };

Single dealing money judges:{(Regular dealing money)>=current dealing money)True :Flase };

Day cumulative transaction amount judgement: {(Regular dealing money)>=(current dealing money+same day adds up trade gold Volume)True :Flase };

Day, accumulative transaction stroke count judged to judge: {(Rule transaction stroke count)>=(same day accumulative transaction stroke count+1) True :Flase };

5th step:Regular result of determination is provided, above-mentioned each regular key element result of determination is carried out according to following expression Calculate:

{(Exchange hour result of determination AND, which merchandises, to be tired out regional result of determination AND singles dealing money result of determination AND days Meter dealing money result of determination AND days, accumulative transaction stroke count judged result of determination)== 1 } True :Flase

6th step:According to the 5th step result of determination, safety measure corresponding to selection, Trading Authorization knot is sent to POS terminal If the step result of fruit the 5th is True, directly sends Trading Authorization to POS terminal and pass through;If the 5th step result is Flase, then Carry out one of following actions:

Refusal:Directly prompting user does not allow to be traded, and sends Trading Authorization failure to POS terminal.

Safety problem:Prompt user to input safety problem and answer, if user's input is correct, sends and hand over to POS terminal Easily authorize successfully;If user inputs failure, Trading Authorization failure is sent to POS terminal.

Security password:Prompt user to input security password, if user's input is correct, Trading Authorization is sent to POS terminal Success;If user inputs failure, Trading Authorization failure is sent to POS terminal.

(2)POS terminal 200

The main realization of POS terminal 200 interacts with mobile phone wallet, then obtains Trading Authorization, is divided into following two situations:

Payment Card and mobile phone wallet one:I.e. mobile phone wallet is exactly the carrier of Payment Card, when user carries out brush mobile phone wallet During consumption, POS terminal is by Payment Card card using information(Including at least Payment Card card number and spending amount)It is sent to mobile phone wallet And the result of the mandate according to mobile phone wallet, then perform initiation transaction or refusal transaction;

Payment Card separates with mobile phone wallet:I.e. mobile phone wallet is unrelated with Payment Card, receives what single platform 300 was set according to POS Condition, judge payment card transaction when initiating, if to verify and authorize through mobile phone wallet, if desired then brush Payment Card in user Afterwards, user's brush mobile phone wallet is needed, POS terminal 200 sends Payment Card card using information to mobile phone wallet(Including at least Payment Card card number And spending amount)And the result of the mandate according to mobile phone wallet, then perform initiation transaction or refusal transaction.

(3)POS receives single platform 300

POS receives single platform 300 and realizes whether POS terminal 200 needs mobile phone wallet checking setting, and under POS terminal 200 Whether hair needs to carry out the information of mobile phone wallet certification.

(4)Authentication platform 400

Authentication platform 400 mainly realizes the subscriber identity information for receiving mobile phone wallet transmission, and passes through different ways Footpath carries out family authentication, and the result of checking is issued to mobile phone wallet, different identity informations will by with difference Mechanical link verified, it is specific as follows:

The authentication platform includes following one or more:

ID card information verification platform, for sending the ID card information for certification to Ministry of Public Security's system;

Payment card information verification platform, for sending the payment card information for certification to Payment Card credit card issuer;

Information of mobile terminal verification platform, for sending the communication information for certification to operator.

According to the safe payment method and payment system based on mobile phone wallet of the present invention, during transaction, if Mobile phone-money Bag separate with Payment Card in the case of, it is necessary to user's brush Payment Card and mobile phone wallet, therefore when user's Payment Card loss or system When causing pseudo- block, then payment transaction can not be carried out, therefore brush is stolen caused by can effectively avoiding bank card loss or pseudo- card Phenomenon.Moreover, during transaction, if in the case of mobile phone wallet and Payment Card one, not only needing user's brush mobile phone wallet, also needing User policy checking is further carried out, therefore when the mobile phone wallet of user is lost, other people are also because user can not be completed Rule verification and payment transaction can not be carried out, therefore also can effectively avoid as Payment Card mobile phone wallet lose and caused by robber Brush phenomenon.

Further, according to the safe payment method and payment system based on mobile phone wallet of the present invention, all checkings Checking i.e. based on user policy is all locally being carried out, i.e., is all to be completed by mobile phone wallet, needs not move through background authentication, Therefore can be on the premise of ensureing user with card safety, there is provided great convenience.

Example above primarily illustrates the safe payment method and payment system based on mobile phone wallet of the present invention.Although Only the embodiment of some of present invention is described, but those of ordinary skill in the art are it is to be appreciated that originally Invention can without departing from its spirit with scope in the form of many other implement.Therefore, the example shown and embodiment party Formula is considered as illustrative and not restrictive, is not departing from the spirit and scope of the present invention as defined in appended claims In the case of, the present invention may cover various modification and replacement.

Claims (6)

1. a kind of safe payment method based on mobile phone wallet, it is characterised in that comprise the steps:
User policy formulates step, and user voluntarily formulates the use verified to the payment based on mobile phone wallet in mobile phone wallet Family rule;
User policy verification step, after user carries out bankcard consumption using mobile phone wallet or Payment Card, mobile phone wallet and POS Terminal is communicated, and obtains the Transaction Information of user, and mobile phone wallet is verified according to the user policy to transaction;
Trading Authorization/refusal step, in the case where user policy is proved to be successful, to POS terminal send Trading Authorization by, In the case of user policy authentication failed, send Trading Authorization failure to POS terminal or carry out back-up safety certification,
Wherein, in the user policy verification step, after user carries out bankcard consumption using Payment Card, i.e. Payment Card and hand In the case that machine wallet separates, POS terminal determines a need for execution user policy by the interaction between mobile phone wallet and tested Card, in the case of if desired performing user's checking, hand is sent transaction information to by POS terminal by user's brush mobile phone wallet Machine wallet, transaction is verified according to the user policy by mobile phone wallet;Or in the user policy verification step In, after user carries out bankcard consumption using mobile phone wallet, i.e., situation about being directly traded mobile phone wallet as Payment Card Under, POS terminal determines a need for performing user policy checking by the interaction between mobile phone wallet, if desired performs user In the case of checking, POS terminal sends transaction information to mobile phone wallet, by mobile phone wallet according to the user policy to transaction Verified.
2. the safe payment method based on mobile phone wallet as claimed in claim 1, it is characterised in that
The user policy, which formulates step, includes following sub-steps:
Step a:The true identity information and mobile phone wallet of user are bound, the true identity information includes:Identity card It is one or more in information, payment card information, communication information;
Step b:Mobile phone wallet initiates authentication according to the true identity information to corresponding mechanism;
Step c:Corresponding to each Payment Card card number user sets itself user policy, the key element of the user policy includes paying Card card number, exchange hour, transaction area, single dealing money, day cumulative transaction amount, the odd-numbered day merchandise stroke count in one or It is multinomial.
3. the safe payment method based on mobile phone wallet as claimed in claim 2, it is characterised in that
The key element of the user policy comprises at least Payment Card card number, exchange hour, merchandise area, single dealing money, tired out day In the case of counting dealing money, odd-numbered day transaction stroke count,
The user policy verification step includes following sub-steps:
Step 1:Judge Payment Card card number, the user policy according to corresponding to being read Payment Card card number;
Step 2:The particular geographic location currently merchandised is obtained by the positioning function of mobile phone;
Step 3:Obtain the current system time of mobile phone;
Step 4:Obtain the historical record that current Payment Card is stored in mobile phone;
Step 5:Judging exchange hour, transaction area, single dealing money, day cumulative transaction amount, day accumulative transaction stroke count is It is no to meet the user policy.
4. the safe payment method based on mobile phone wallet as claimed in claim 2, it is characterised in that
The back-up safety certification is enquirement checking with high safety or password authentification with high safety.
5. the safe payment method based on mobile phone wallet as claimed in claim 4, it is characterised in that
It is that prompting user inputs safety problem and answer that the safety, which puts question to checking, is sent if being proved to be successful to POS terminal Trading Authorization success, sent if authentication failed to POS terminal and be subject to authorization failure.
6. the safe payment method based on mobile phone wallet as claimed in claim 4, it is characterised in that
The security password checking is that prompting user inputs security password, and sending transaction to POS terminal if being proved to be successful awards Weigh successfully, sent if authentication failed to POS terminal and be subject to authorization failure.
CN201310198197.XA 2013-05-24 2013-05-24 A kind of safe payment method and payment system based on mobile phone wallet CN104182870B (en)

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