CN105247549A - Secure payment system and method for bank card by using real-time communication - Google Patents
Secure payment system and method for bank card by using real-time communication Download PDFInfo
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- CN105247549A CN105247549A CN201380074977.1A CN201380074977A CN105247549A CN 105247549 A CN105247549 A CN 105247549A CN 201380074977 A CN201380074977 A CN 201380074977A CN 105247549 A CN105247549 A CN 105247549A
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- 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]
- G06Q20/3223—Realising banking transactions through M-devices
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- 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- 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
- G06Q20/4014—Identity check for transactions
Abstract
A secure payment system and method for a bank card by using real-time communication, comprising a bank card account and a mobile phone (2) of a user, a transaction terminal (3) of a commercial tenant, a payment network (4), and an account security server (5). The account security server (5) is provided with real-time communication server end software. The mobile phone (2) of the user is provided with a real-time communication application pattern. The mobile phone (2) accesses the account security server (5) by using the real-time communication application pattern. The bank card account of the user is associated with the mobile phone (2). When the payment network (4) receives a transaction request transferred by the transaction terminal (3) of the commercial tenant and belonging to the bank card account of the user, the payment network (4) performs, by using the account security server (5) and the mobile phone (2) associated with the bank card account, security verification for verifying an identity of the user in a real-time communication manner, and after the verification succeeds, continues to perform a subsequent step of the transaction; otherwise, refuses the transaction.
Description
Utilize the bank card security payment system and method for real-time communication
【Technical field】
The present invention relates to financial payment field, the bank card security payment system and method for more particularly to a kind of utilization real-time communication.
【Background technology】
Used because bank card is easy to carry, and easily, fast and easily method of payment is carried out to card master tape, so the use of bank card is more and more universal, many people have more than a bank card.Although bank card gives card main fast and easily method of payment, but also bring some security personnel's problems, some offenders steal other people bank card data by a variety of means, then replicate false card and carry out consumption payment, or the main bank card data of card is usurped in consumption online, card main typically to receive can just realize that the bank card account of oneself is usurped by people after monthly statement, order card master sustains a loss, the problem of be one extremely to be solved.For protection bank card account safety, prevent the main bank card account of card to be stolen, and propose the bank card security payment system and method for the utilization real-time communication of the present invention.
【The content of the invention】
The purpose of the present invention, is the bank card security payment system and method for providing a kind of utilization real-time communication, to realize a variety of applications in secure payment.
The object of the present invention is achieved like this, using such a bank card security payment system, it is characterised in that described system includes the bank card account and mobile phone of user（2), the transaction terminal of trade company（3), payment network（4), account safety server（5), wherein, account safety server（And payment network 5)（4) phase telecommunication is connected, account safety server（5) real-time communication server software, the mobile phone of user are provided with（2) real-time communication application, mobile phone are provided with（2) account safety server is accessed through communication network such as mobile telephone network, WIFI networks etc. wireless network by the real-time communication application（5), transaction terminal（3) wire/radio network example is passed through
Such as mobile telephone network, WIFI networks, Local Area Network, internet disparate networks access payment network（4), account safety server（5) account profile of the bank card account of record user, the bank card account of user and the mobile phone of the user（2) it is associated, and, work as payment network（4) transaction terminal of trade company is received（3) when transmitting the transaction request to belong to the bank card account of user, payment network（4) account safety server is passed through（5) mobile phone associated with the bank card account
(2) carry out verifying the safety verification of the user identity, payment network after safety verification success（4) just proceed the subsequent step of the transaction, otherwise refuse the transaction.
And, also using such a bank card safe payment method, it is characterised in that described method includes setting account safety server（5), in account safety server（5) account profile of the bank card account of record user, and by the mobile phone of the bank card account of user and the user（2) it is associated, account safety server（And payment network 5)（4) phase telecommunication is connected, account safety server
(5) real-time communication server software, the mobile phone of user are provided with（2) real-time communication application, mobile phone are provided with（2) account safety server is accessed through communication network such as mobile telephone network, WIFI networks etc. wireless network by the real-time communication application（5), and, work as payment network
(4) transaction terminal of trade company is received（3) when transmitting the transaction request to belong to the bank card account of user, payment network（4) account safety server is passed through（5) with the associated mobile phone of the bank card account（2) carry out verifying the safety verification of the user identity, payment network after safety verification success
(4) just proceed the subsequent step of the transaction, otherwise refuse the transaction.
The purpose of the present invention is thus realized well.
The payment system and method for the present invention, when user pays, passes through real-time communication mode and the mobile phone of user（2) communicate, immediately the validity of checking user identity, to ensure the bank card account safety of user.In addition, account safety server（And user mobile phone 5)（2) real-time communication between, be using the communication path independently of original bank card payment network to carry out checking user identity the step of, even if so the bank card account of user is usurped by thief, as long as the mobile phone of user（2) in hand, thief can not just succeed, and ensure the bank card account safety of user.
【Brief description of the drawings】
Fig. 1 is the image schematic illustration of the bank card security payment system of first embodiment of the invention；Fig. 2 is the image schematic illustration of the bank card security payment system of second embodiment of the invention；Fig. 3 is the image schematic illustration of the bank card security payment system of third embodiment of the invention；Fig. 4 is the image schematic illustration of the bank card security payment system of fourth embodiment of the invention；Fig. 5 is the image schematic illustration of the bank card security payment system of fifth embodiment of the invention；Fig. 6 is the image schematic illustration of the bank card security payment system of sixth embodiment of the invention；Fig. 7 is the image schematic illustration of the bank card security payment system of seventh embodiment of the invention；Fig. 8 is the image schematic illustration of the bank card security payment system of eighth embodiment of the invention.In figure, identical digitized representation identical system, device, component devices, accompanying drawing are schematical, composition and principal character to illustrate the present invention.
【Embodiment】
Below in conjunction with the accompanying drawings, the method to the present invention is described in further detail.
Refering to Fig. 1, Fig. 1 is that the system shown in the image schematic illustration of the bank card security payment system of first embodiment of the invention, Fig. 1 includes representing the bank card of the bank card account of user
(1) and user mobile phone（2), the transaction terminal of trade company（3), payment network（4), account safety server（5), wherein, account safety server（And payment network 5)（4) phase telecommunication is connected, account safety server（5) real-time communication server software, the mobile phone of user are provided with
(2) real-time communication application is provided with, mobile phone (2) accesses account safety server by the real-time communication application through communication network such as mobile telephone network, WIFI networks etc. wireless network
(5), the transaction terminal of trade company（3) payment network is accessed by wire/radio network such as mobile telephone network, WIFI networks, Local Area Network, internet etc. disparate networks（4), user is needed in account safety server（5) account profile and mobile phone of his bank card account are registered（2) data, account safety server（5) account profile of the bank card account of record user, by the bank card account of user and the mobile phone of the user（2) it is associated, and, user is whole in the transaction of trade company
End（3) paid using its bank card account, work as payment network（4) transaction terminal of trade company is received（3) when transmitting the transaction request to belong to the bank card account of user, payment network（4) account safety server is passed through（5) mobile phone associated with the bank card account（2) carry out verifying the safety verification of the user identity, payment network after safety verification success（4) just proceed the subsequent step of the transaction, otherwise refuse the transaction.In the present invention, it is in original general bank card paying system, to increase the account safety server of the present invention（5), and when being paid, additionally the step of increase safety verification user identity, passes through this account safety server（5) with the mobile phone of user（2) safety verification, after safety verification success, payment network are carried out to the identity of user in real-time communication mode
(4) and trade company transaction terminal（3) operation having not carried out originally need also be continued executing with, these operations are exactly the subsequent step described in this specification, such as checking user account surplus, account line of credit etc., because these are to belong to existing bank card to pay due operating procedure, this part and the feature of non-invention, so this specification does not elaborate.
With continued reference to Fig. 1, the method that the bank card security payment system shown in Fig. 1 is used includes setting account safety server（5), in account safety server（5) account profile of the bank card account of record user, and by the mobile phone of the bank card account of user and the user（2) it is associated, account safety server（And payment network 5)（4) phase telecommunication is connected, account safety server（5) real-time communication server software, the mobile phone of user are provided with（2) real-time communication application, mobile phone are provided with
(2) account safety server is accessed through communication network such as mobile telephone network, WIFI networks etc. wireless network by the real-time communication application（5), and, work as payment network（4) transaction terminal of trade company is received（3) when transmitting the transaction request to belong to the bank card account of user, payment network（4) account safety server is passed through（5) with the associated mobile phone of the bank card account（2) carry out verifying the safety verification of the user identity, payment network after safety verification success（4) just proceed the subsequent step of the transaction, otherwise refuse the transaction.
Refering to Fig. 2 to Fig. 4, Fig. 2 is the image schematic illustration of the bank card security payment system of second embodiment of the invention, Fig. 3 is the image schematic illustration of the bank card security payment system of third embodiment of the invention, and Fig. 4 is the image of the bank card security payment system of fourth embodiment of the invention
Change schematic illustration, Fig. 2 respectively illustrates the present invention second into Fig. 4 to fourth embodiment, respectively illustrates payment network in different ways（4) come realize the present invention example, below the examples of implementation different to these be described in further detail.
With continued reference to Fig. 2, the payment network of the second embodiment shown in Fig. 2（4) bankcard network is included（401), the merchant bank of the bank account provided with trade company（402), the issuing bank of the bank card account provided with user（403), wherein, bankcard network（401) respectively with merchant bank
And issuing bank (402)（403) phase telecommunication connect, and with described account safety server
(5) phase telecommunication is connected, transaction terminal（3) payment network is accessed by wire/radio network such as mobile telephone network, WIFI networks, Local Area Network, internet etc. disparate networks（4) merchant bank（402), bankcard network（401) during the transaction request for the bank card account for belonging to user in processing, account safety server is passed through（5) mobile phone associated with the bank card account（2) carry out verifying the safety verification of the user identity.In a second embodiment, account safety server
And bankcard network (5)（401) phase telecommunication is connected, can be by account safety server（5) it is integrated in bankcard network（401) it is all to pass through bankcard network in（401) transaction payment of processing can pass through account safety server（5) identity to user carries out safety verification step, so as to ensure the safety of the bank card account of user.
With continued reference to Fig. 3, the payment network of the 3rd embodiment shown in Fig. 3（4) bankcard network is included（401), the merchant bank of the bank account provided with trade company（402), the issuing bank of the bank card account provided with user（403), wherein, bankcard network（401) respectively with merchant bank
And issuing bank (402)（403) phase telecommunication is connected, issuing bank（403) with described account safety server（5) phase telecommunication is connected, transaction terminal（3) payment network is accessed by wire/radio network such as mobile telephone network, WIFI networks, Local Area Network, internet etc. disparate networks
(4) merchant bank（402), issuing bank（403) during the transaction request for the bank card account for belonging to user in processing, account safety server is passed through（5) mobile phone associated with the bank card account（2) carry out verifying the safety verification of the user identity.In the third embodiment, account safety server（And issuing bank 5)（403) phase telecommunication is connected, can be by account safety server（ 5 )
It is integrated in issuing bank（403) it is all to belong to issuing bank in（403) transaction payment of bank card account can pass through account safety server（5) identity to user carries out safety verification step, so as to ensure the safety of the bank card account of the bank.
With continued reference to Fig. 4, the payment network of the fourth embodiment shown in Fig. 4（4) bankcard network is included（401), the merchant bank of the bank account provided with trade company（402), the issuing bank of the bank card account provided with user（403), payment gateway（404), wherein, bankcard network（And issuing bank 401)（403) phase telecommunication is connected, payment gateway（404) respectively with merchant bank (402) and bankcard network（401) phase telecommunication is connected, and is connected with described account safety server (5) phase telecommunication, transaction terminal（3) payment network is accessed by wire/radio network such as mobile telephone network, WIFI networks, Local Area Network, internet etc. disparate networks（4) payment gateway（404), payment gateway（404) during the transaction request for the bank card account for belonging to user in processing, account safety server is passed through（5) mobile phone associated with the bank card account（2) carry out verifying the safety verification of the user identity.In the fourth embodiment, payment network（4) payment gateway is included in（404), this payment gateway（404) it is transaction terminal to trade company（And merchant bank 3)（402) network service is provided, many existing credit card-based payment systems are all to use this framework.In the present embodiment, account safety server（And payment gateway 5)（404) phase telecommunication is connected, can be by account safety server（5) it is integrated in payment gateway（404) it is all to pass through payment gateway in（404) transaction payment of processing can pass through account safety server（5) identity to user carries out safety verification step, so as to ensure the safety of the bank card account of user.
The second of the present invention has been described in detail above to fourth embodiment, no matter payment network（4) realized by the way of second embodiment or 3rd embodiment or fourth embodiment, can ^ is blunt realizes the purpose of the present invention well, be all to belong to protection scope of the present invention.
In this manual, described bankcard network（401) include VISA credit card network, China Unionpay card net eventually, Master Card net eventually, American Express Card（American Express) network that pays of net end, Japan's JCB cards network, Diners Club network etc. receiving bank card, the present invention can ^ be blunt is applied to these different payment networks well.In this manual, described transaction terminal（3) it is
Refer to the equipment that can generate payment transaction, the P0S machines for being used to collect money including general trade company, the POS of credit card can be accepted, the POS for debit payments, card reader for contactless financial card etc., can also be a computer or server, the server of such as shopping website, the server of phone/TV shopping service is provided, can also be account server of the public organizations for charge of transferring accounts automatically, it can also be bank ATM cash dispenser, or computer for generating transaction etc. is operated in online banking service according to user account, for convenience of explanation, it is referred to as transaction terminal without exception in this manual
( 3) .In addition, bank card described in this manual（1) include credit card, debit card, goods note card, quasi- goods and remember that card, card of transferring accounts, withdrawal card, ATM card etc are issued the card for paying or merchandising by bank or financial institution, be referred to as bank card without exception in this manual（1 ) .As for mobile phone described in this manual（2), refer to the communication tool that can be communicated, including smart mobile phone, tablet personal computer, personal digital assistant (Personal Digital Assistant, cylinder claim PDA) etc. the electronic equipment of communication can be moved by network, for convenience of explanation, it is referred to as mobile phone without exception in this manual（2) .
The principal character of the present invention, is by account safety server when paying（5) with the mobile phone of user（2) safety verification, account safety server are carried out to the identity of user in real-time communication mode
(5) different grades of safety verification can be used according to risk height or payment, different grades of safety verification is described in further detail below.
Paid for some small amount of money, the safety verification compared with cylinder list grade, such as account safety server can be used（5) mobile phone of user is checked（2) whether it has been successfully accessed account safety server
(5), such as the mobile phone（2) it has been successfully accessed account safety server（5) then safety verification success, otherwise safety verification failure, as long as the mobile phone of user（2) open state is in, and has accessed account safety server（5), user can be carried out small amount of money payment.In addition it is also possible to be used as safety verification by sending prompt message to the mobile phone of user, described safety verification is when paying, by account safety server（5) mobile phone of user will be sent to about the prompt message merchandised（2), such as prompt message successfully sends the mobile phone to, then safety verification success, and otherwise safety verification fails.As long as the mobile phone of user（2) prompt message is received, safety verification, Yong Huke is just successfully completed
With from prompt message, know that the bank card account of oneself has just carried out a payment transaction, if user is not paid and receives prompt message, represent that possible someone usurps the bank card account of user, user just can reduce loss immediately to bank statement or alert process.
Except the safety verification of above-mentioned cylinder list grade, paid for some big amount of money, the safety verification of higher level can be used.Realize the safety verification of this higher level, need in advance for user in account safety server（5) confirmation for being used to confirm is set, this confirmation can be a password, or the information that can dynamically change.When user is paid using his bank card account, described safety verification is except by account safety server（5) mobile phone of user will be sent to about the prompt message merchandised（Outside, in addition to account safety server 2)（5) mobile phone of the user by user is checked（2) confirmation returned；Such as account safety server（5) the correct then safety verification success of the confirmation is checked, otherwise safety verification fails.Even if the mobile phone of user（And bank card 2)（1) while being stolen by thief, thief does not have correct confirmation, is that can not carry out big amount of money payment, has thus ensured the bank card account safety of user.
Paid or the higher transaction payment of risk for some big amount of money, can also be using further safety verification, it is desirable to which user answers the problem of some are about his personal information to verify the identity of user.Such safety verification is realized, need be in described account safety server（5) personal information of user is also stored, name, age, address, telephone number, hobby, occupation, Business Name and address of such as user etc., personal information of relatives of user etc. can also be included, last sale record of user etc. can also be included, it can serve as the personal information of user, account safety server（5) when carrying out safety verification, randomly select the which part personal information of user to generate one or more validation problem information, then the validation problem information transmission is given to the mobile phone (2) of the user, user will be within a specified time（For example in 15 seconds) according to the validation problem information to account safety server（5) answer information, account safety server are returned（5) whether the answer information that verification is returned meets the correct option of the validation problem information, the safety verification success if the correct option that the whole answer informations of verification all meet validation problem information is errorless, and otherwise safety verification fails.For example, validation problem information is " what city your birthplace is ", or " what your occupation with corner is "
Etc. it is relevant with individual subscriber the problem of, user must correctly answer could be by safety verification.In addition, in multiple-choice question mode user can more being allowed to answer by each validation problem with unification correct option and multiple similar and wrong answers, facilitating user faster to return to answer information.
Above-described different grades of safety verification, only one of selection it can be individually used for system and method for the invention, all or part of system and method for being applied to the present invention can also be selected, and determine according to payment or transaction risk the grade of safety verification.Such as small amount of money, which is paid, need only check the mobile phone of user（2) account safety server has been accessed（5 ) ；In another example user carries out the big amount of money in shop when paying, need user pass through mobile phone（2) correct confirmation is returned；In another example user carries out online payment, because online payment belongs to excessive risk classification, except need user correct confirmation returned to by mobile phone (2), need also user pass through mobile phone（2) a plurality of validation problem is answered, all could pass through safety verification after correct answer.The safety verification of that above-mentioned grade no matter is used, the purpose of the present invention can be all realized well, is all to belong to protection scope of the present invention.
Refering to Fig. 5, Fig. 5 is the image schematic illustration of the bank card security payment system of fifth embodiment of the invention, and Fig. 5 shows that the present invention is applied to the examples of implementation of ATM cash dispensers.In the 5th embodiment, transaction terminal（3) be bank ATM cash dispensers, payment network（4) bank and its ATM networks of user's bank card account are just provided with, user uses his bank card（1) when ATM cash dispensers are traded, the transaction from the bank card account drawing account of user, payment network are belonged to such as withdrawing the money, transfer accounts（4) account safety server is passed through immediately（5) with the associated mobile phone of the bank card account（2) carry out verifying the safety verification of the user identity, user could successfully carry out the transaction after safety verification success, otherwise payment network（4) transaction is refused.
Refering to Fig. 6, Fig. 6 is the image schematic illustration of the bank card security payment system of sixth embodiment of the invention, and Fig. 6 shows that the present invention is applied to the examples of implementation of online banking service.In the sixth embodiment, described transaction terminal（3) it is online banking service device, the computer that user's use can surf the Net i.e. access terminals（7) internet is passed through（6) access Web bank server carries out account operation, such as transferring accounts, pay the fees, buy stock belong to the transaction from the bank card account drawing account of user, online banking service device generates Transaction Information according to the operation of user, and to payment network（4 )
Send transaction request, it is desirable to paid from the bank card account of user, payment network（4) account safety server is passed through immediately（5) mobile phone associated with the bank card account（2) carry out verifying the safety verification of the user identity, payment network after safety verification success（4) payment of the transaction is just carried out, online banking service device could complete account operation, otherwise payment network（4) refuse the payment of the transaction, make online banking service device to complete account operation.The present embodiment is compared with general bank system of web, and the present embodiment allows user to pass through mobile phone（2) safety of the bank card account of oneself is grasped, even if hacker has stolen the bank card account data of user, hacker does not have the mobile phone of user
(2) it is that can not successfully pass the bank card account that user usurps in Web bank.
Refering to Fig. 7, Fig. 7 is the image schematic illustration of the bank card security payment system of seventh embodiment of the invention, and Fig. 7 shows that the present invention is applied to the examples of implementation of shopping at network.In the 7th embodiment, described transaction terminal（3) be shopping website/online shopping mall/Online Store/software website/music site/web film/etc. carried out by network sale kinds of goods/software/service/audio-visual etc online store e-commerce server, user uses access terminals（7) internet is passed through
(6) e-commerce server i.e. transaction terminal is logined（3) place an order, e-commerce server generates Transaction Information according to the order of user, and to payment network（4) transaction request is sent, it is desirable to paid from the bank card account of user, payment network（4) account safety server is passed through immediately（5) mobile phone associated with the bank card account（2) safety verification of checking user identity, payment network after safety verification success are carried out（4) payment of the order transaction is just carried out, otherwise payment network（4) payment of the order transaction is refused.In addition, the present embodiment is applied equally to the electronic commercial of TV shopping and teleshopping etc., user place an order shopping payment when, payment network（4) account safety server is passed through immediately（5) with the mobile phone of user（2) carry out verifying the safety verification of the user identity, payment network after safety verification success（4) payment of the order transaction is just carried out, otherwise payment network
(4) payment of the order transaction is refused.
Refering to Fig. 8, Fig. 8 is the image schematic illustration of the bank card security payment system of eighth embodiment of the invention, and Fig. 8 shows examples of implementation of the present invention applied to paying of transferring accounts automatically.In the 8th embodiment, described transaction terminal（3) it is automatic transfer accounts billing and accounting system, this account of transferring accounts automatically
System be exactly public organizations for example：Utilities Electric Co., Gas Company, the billing and accounting system server of the company of telephone operator's etc, these billing and accounting systems of transferring accounts automatically periodically would generally be paid dues by bank from the Bank account transfer of user.Although it is convenient and swift to transfer accounts automatically, but many bills of transferring accounts automatically are not Flat Amount, but according to consumption depending on, user typically receives monthly statement after the completion of automatic transfer accounts and just knows transfer amounts, many users transfer accounts automatically because worrying to use being used by overcharge, and automatic transfer accounts of order is difficult to implementation extensively.In the present embodiment, when automatic billing and accounting system i.e. transaction terminal of transferring accounts（3) it is payment network to bank（4) require from the bank card account of user transfer accounts collection of charges automatically when, such as Utilities Electric Co. transfers accounts and collects the electricity charge automatically from the bank card account of user, and payment network (4) passes through account safety server immediately（5) the associated mobile phone (2) with the bank card account verify the safety verification of the user identity, bank is that payment network (4) just carries out the automatic payment by the transfer of accounts after safety verification success, otherwise payment network（4) refusal performs the automatic branch user that transfers accounts just without worrying to be used by overcharge, is conducive to the popularization transferred accounts automatically.It is illustrated with the above embodiments, but the present invention is not limited to this, in the case of the spirit and the scope of the appended claims without departing from the present invention, can make a variety of changes and change.
The bank card security payment system and method for the utilization real-time communication of the present invention, can ensure the safety of the bank card account of user.The implementation of the present invention, can bring good benefit, to bank and user all very benifits.
Claims (1)
- Claim1. a kind of bank card security payment system, it is characterised in that described system includes the bank card account and mobile phone of user（2), the transaction terminal of trade company（3), payment network（4), account safety server（5), wherein, account safety server（And payment network 5)（4) phase telecommunication is connected, account safety server（5) real-time communication server software is provided with, the mobile phone (2) of user is provided with real-time communication application, and mobile phone (2) accesses account safety server by the real-time communication application（5), transaction terminal（3) payment network is accessed（4), account safety server（5) account profile of the bank card account of record user, the bank card account of user and the mobile phone of the user（2) it is associated, and, work as payment network（4) transaction terminal of trade company is received（3) when transmitting the transaction request to belong to the bank card account of user, payment network（4) account safety server is passed through（5) mobile phone associated with the bank card account（2) carry out verifying the safety verification of the user identity, payment network after safety verification success(4) just proceed the subsequent step of the transaction, otherwise refuse the transaction.2. the bank card security payment system as described in claim 1, it is characterised in that described payment network（4) bankcard network is included（401), the merchant bank of the bank account provided with trade company(402), the issuing bank of the bank card account provided with user（403), wherein, bankcard network（401) respectively with merchant bank（402) and issuing bank（403) phase telecommunication connect, and with described account safety server（5) phase telecommunication is connected, transaction terminal（3) payment network is accessed（4) merchant bank（402), bankcard network（401) during the transaction request for the bank card account for belonging to user in processing, account safety server is passed through（5) mobile phone associated with the bank card account（2) carry out verifying the safety verification of the user identity.3. the bank card security payment system as described in claim 1, it is characterised in that described payment network（4) bankcard network is included（401), the merchant bank of the bank account provided with trade company (402), the issuing bank of the bank card account provided with user（403), wherein, bankcard network（401) respectively with merchant bank（402) and issuing bank（403) phase telecommunication is connected, issuing bank（403) with described account safety server（5) phase telecommunication is connected, transaction terminal（3) payment network is accessed（4) merchant bank（402), issuing bank(403) during the transaction request for the bank card account for belonging to user in processing, account safety server is passed through（5) mobile phone associated with the bank card account（2) carry out verifying that the safety 3 of the user identity is demonstrate,proved entirely.4. the bank card security payment system as described in claim 1, it is characterised in that described payment network（4) bankcard network is included（401), the merchant bank (402) of the bank account provided with trade company, the issuing bank of bank card account provided with user（403), payment gateway (404), wherein, bankcard network（And issuing bank 401)（403) phase telecommunication is connected, payment gateway（404) respectively with merchant bank（402) and bankcard network（401) phase telecommunication connect, and with described account safety server（5) phase telecommunication is connected, transaction terminal（3) payment network is accessed（4) payment gateway（404), payment gateway（404) during the transaction request for the bank card account for belonging to user in processing, account safety server (5) mobile phone associated with the bank card account is passed through（2) carry out verifying the safety verification of the user identity.5. the bank card security payment system as described in any one of claim 2 to 4, it is characterised in that described bankcard network（401) VISA credit card network, China Unionpay's card network, Master Card network, American Express Card network, Japan's JCB cards network, Diners Club network are included.6. the bank card security payment system as described in any one of Claims 1-4, it is characterised in that described transaction terminal（3) be bank ATM cash dispensers.7. the bank card security payment system as described in any one of Claims 1-4, it is characterised in that described transaction terminal（3) it is online banking service device.8. the bank card security payment system as described in any one of Claims 1-4, it is characterised in that described transaction terminal（3) be online store e-commerce server.9. the bank card security payment system as described in any one of Claims 1-4, it is characterised in that described transaction terminal（3) it is automatic billing and accounting system of transferring accounts.10. a kind of bank card safe payment method, it is characterised in that described method includes setting account safety server（5), in account safety server（5) account profile of the bank card account of record user, and by the mobile phone of the bank card account of user and the user（2) it is associated, account safety server（And payment network 5)（4) phase telecommunication is connected, account safety server(5) real-time communication server software, the mobile phone of user are provided with（2) real-time communication application, mobile phone are provided with（2) account safety server is accessed by the real-time communication application(5), and, work as payment network（4) transaction terminal of trade company is received（3) when transmitting the transaction request to belong to the bank card account of user, payment network（4) account safety server is passed through（5) with the associated mobile phone of the bank card account（2) carry out verifying the safety verification of the user identity, payment network after safety verification success（4) just proceed the subsequent step of the transaction, otherwise refuse the transaction.11. the bank card safe payment method as described in claim 10, it is characterised in that described safety verification includes account safety server（5) prompt message about the transaction is sent to the mobile phone of user（2), such as prompt message successfully sends the mobile phone to, then safety verification success, and otherwise card fails safety 3 entirely.2. the bank card safe payment method as described in claim 11, it is characterised in that described safety verification also includes account safety server（5) mobile phone of the user by user is checked（2) confirmation returned；Such as account safety server（5) the correct then safety verification work(of the confirmation is checked, otherwise the card failure entirely of safety 3.3. the bank card safe payment method as described in any one of claim 10 to 12, it is characterised in that described account safety server（5) personal information of user, account safety server are stored（5) when carrying out safety verification, randomly select the which part personal information of user to generate validation problem information, then the validation problem information transmission is given to the mobile phone of the user(2), user within a specified time will return to answer information, account safety server according to the validation problem information to account safety server (5)（5) whether the answer information that verification is returned meets the correct option of the validation problem information, such as verification answer information meet correct option it is errorless if safety 3 demonstrate,prove successfully entirely, otherwise safe 3 complete demonstrate,prove fail.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2013/073030 WO2014146286A1 (en) | 2013-03-22 | 2013-03-22 | Secure payment system and method for bank card by using real-time communication |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105247549A true CN105247549A (en) | 2016-01-13 |
Family
ID=51579299
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201380074977.1A Pending CN105247549A (en) | 2013-03-22 | 2013-03-22 | Secure payment system and method for bank card by using real-time communication |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN105247549A (en) |
| HK (1) | HK1220025A1 (en) |
| WO (1) | WO2014146286A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110728580A (en) * | 2019-10-16 | 2020-01-24 | 神州数码融信软件有限公司 | Financial transaction control method |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016108783A1 (en) | 2014-12-31 | 2016-07-07 | Turkcell Teknoloji Arastirma Ve Gelistirme A. S. | A payment system and method |
| CN114760315A (en) * | 2022-01-28 | 2022-07-15 | 上海皓卡网络技术有限公司 | Method for comprehensively solving security of bank card end to end |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102208069A (en) * | 2010-03-31 | 2011-10-05 | 黄金富 | Bank online payment system of confirmation by using mobile phone as another way and method thereof |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR2815203A1 (en) * | 2000-10-05 | 2002-04-12 | Ntsys | INTERNET SECURE PAYMENT AGENT WITH MOBILE PHONE VALIDATION |
| CN101599192B (en) * | 2009-04-24 | 2011-05-18 | 北京华大智宝电子系统有限公司 | Method for achieving security guard of bank card |
| CN102542452A (en) * | 2011-11-09 | 2012-07-04 | 王筱雨 | Method and system for verifying transaction passwords of point-of-sale (POS) machine terminal |
-
2013
- 2013-03-22 CN CN201380074977.1A patent/CN105247549A/en active Pending
- 2013-03-22 WO PCT/CN2013/073030 patent/WO2014146286A1/en active Application Filing
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2016
- 2016-07-08 HK HK16107977.4A patent/HK1220025A1/en unknown
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102208069A (en) * | 2010-03-31 | 2011-10-05 | 黄金富 | Bank online payment system of confirmation by using mobile phone as another way and method thereof |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110728580A (en) * | 2019-10-16 | 2020-01-24 | 神州数码融信软件有限公司 | Financial transaction control method |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2014146286A1 (en) | 2014-09-25 |
| HK1220025A1 (en) | 2017-04-21 |
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