CN105631659A - Payment request processing method, payment request processing device and terminal - Google Patents
Payment request processing method, payment request processing device and terminal Download PDFInfo
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- CN105631659A CN105631659A CN201510154438.XA CN201510154438A CN105631659A CN 105631659 A CN105631659 A CN 105631659A CN 201510154438 A CN201510154438 A CN 201510154438A CN 105631659 A CN105631659 A CN 105631659A
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Abstract
The invention provides a payment request processing method, a payment request processing device and a terminal. The payment request processing method includes the following steps that: when a payment terminal receives a payment request, the first position of a target terminal bound with specified payment information in the payment request is obtained; and the first position is compared with the second position of the payment terminal, so that whether responding to the payment request is allowed or not is determined according to a comparison result. With the technical schemes of the invention adopted, a financial institution can effectively ensure the payment security of users and prevent illegal users from using the bank cards of the users in an unauthorized manner or embezzling the Alipay of the users so as to improve the property security of the users.
Description
Technical field
The present invention relates to field of terminal technology, pay request processing method, a kind of payment request process device and a kind of terminal in particular to one.
Background technology
In information technology booming today, safety of payment has become as the difficult problem that each big banking mechanism to capture, and how to guarantee that the property safety of user is the problem that financial institution primarily solves. And at present, user has only to bank card when consumption and payment cipher just can complete once complete transaction, but the safety that bank card and password pay is relatively low, and the phenomenon that personal bank card is stolen brush by strange land frequently occurs.
Therefore, financial institution how is made to effectively ensure that the safety of payment of user, it is prevented that disabled user strange land is stolen the bank card of brush user or usurps Alipay, to improve the property safety of user, becomes problem demanding prompt solution.
Summary of the invention
The present invention is based on the problems referred to above, it is proposed that a kind of new technical scheme, it is possible to make financial institution effectively ensure that the safety of payment of user, it is prevented that disabled user strange land is stolen the bank card of brush user or usurps Alipay, to improve the property safety of user.
In view of this, an aspect of of the present present invention proposes a kind of payment request processing method, including: when payment terminal receives payment request, obtain and the primary importance of the target terminal specifying the binding of disbursement letter manner of breathing in described payment request; The second position of described primary importance Yu described payment terminal is compared, to determine whether that responding described payment asks according to comparative result.
In this technical scheme, in payment terminal (such as the consumption terminal that bank counter uses, the consumption terminal that the ATM of bank uses, the terminal at the Alipay place of user) receive the payment request of user as withdraw the money, during the requests such as remittance, by the bank's card number obtained with pay in request, Alipay account, address names etc. specify the primary importance position of place (when the representing this consumption of user should) of the target terminal (the conventional mobile phone of individual such as user) of disbursement letter manner of breathing binding, payment terminal then can be made to calculate the range difference of the second position (representing the position at actual place during this consumption of user and the local position of payment terminal) and primary importance automatically and accurately, and determine whether that according to range difference payment terminal responds this and pays request exactly, its detailed process is: if range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user, otherwise, if range difference is smaller, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, it is preferable that if the range difference between described primary importance and the described second position is less than or equal to predeterminable range threshold value, it is determined that allow described payment of response to ask, the delivery operation corresponding to perform described payment request; Otherwise, refuse described payment to ask.
In this technical scheme, if the range difference between primary importance and the second position is more than predeterminable range threshold value, namely range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user; Otherwise, if the range difference between primary importance and the second position is smaller less than or equal to predeterminable range threshold value and range difference, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, preferably, before the described payment request of refusal, also include: judge whether described payment terminal receives the payment affirmation information from described target terminal, when judged result is for being, still allow for responding described payment to ask, to perform the described delivery operation paying request correspondence; Otherwise, refuse described payment to ask.
In this technical scheme, before refusal to pay request, payment terminal can send information to point out the range difference between user's primary importance and the second position excessive to target terminals such as the mobile phones that user commonly uses, it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, so that user finally determines whether payment terminal can respond this payment request, if the user determine that be validated user (household such as user) or user is carrying out this consumption (such as: conventional mobile phone is dropped on family by user, and its household is connected phone by another mobile phone carried with user and is determined that user is carrying out this and consuming), then will input payment affirmation information to target terminal, so that payment terminal receive payment affirmation information just can respond payment request, so that validated user or user complete this consumption, otherwise, if payment terminal does not receive the payment affirmation information from target terminal, payment terminal will be given tacit consent to disabled user and just usurp Alipay or the bank card of user in strange land, and then refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user.
In technique scheme, preferably, before the primary importance of the target terminal specifying the binding of disbursement letter manner of breathing obtained in asking with described payment, also include: judge that described payment terminal is after receiving described payment request, whether get correct payment key, and when judged result is for being, start to obtain described primary importance, otherwise, described primary importance is not obtained.
In this technical scheme, before payment terminal obtains primary importance, whether payment terminal receives correct payment key and the payment cipher of user's input under first should judging, if, then start to obtain primary importance, to realize can directly determining whether that responding this pays request in conjunction with the second position, user namely whether is allowed to complete to pay; And if payment terminal do not receive user input pay key or receive mistake payment key, then payment terminal can refuse completely this pay, be therefore completely unnecessary acquisition primary importance, thus be avoided that payment terminal carries out unnecessary operation.
In technique scheme, preferably, described acquisition and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request, specifically include: controls described payment terminal and obtains described primary importance and/or by receiving the described primary importance that described target terminal obtains in the way of GSP location or WIFI location by the equipment with base station functions in the Serving cell at described target terminal place.
In this technical scheme, payment terminal obtains the mode of primary importance to be had multiple, can either directly through the equipment communication with base station functions in the networks such as 2G, 3G, 4G Serving cell with target terminal place, to obtain the primary importance of target terminal, certainly, can also communicate with target terminal, so that after target terminal is accurately positioned the primary importance of self by GSP or WIFI, primary importance is back to payment terminal, wherein, the equipment with base station functions includes base station, the microcell base station etc. realized by communication equipment (such as smart mobile phone etc.).
Another aspect of the present invention proposes a kind of payment request and processes device, including: acquiring unit, when payment terminal receives payment request, obtain and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request; Comparing unit, compares the second position of described primary importance Yu described payment terminal; Determine unit, determine whether that responding described payment asks according to comparative result.
In this technical scheme, in payment terminal (such as the consumption terminal that bank counter uses, the consumption terminal that the ATM of bank uses, the terminal at the Alipay place of user) receive the payment request of user as withdraw the money, during the requests such as remittance, by the bank's card number obtained with pay in request, Alipay account, address names etc. specify the primary importance position of place (when the representing this consumption of user should) of the target terminal (the conventional mobile phone of individual such as user) of disbursement letter manner of breathing binding, payment terminal then can be made to calculate the range difference of the second position (representing the position at actual place during this consumption of user and the local position of payment terminal) and primary importance automatically and accurately, and determine whether that according to range difference payment terminal responds this and pays request exactly, its detailed process is: if range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user, otherwise, if range difference is smaller, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, preferably, described determine unit specifically for: if the range difference between described primary importance and the described second position is less than or equal to predeterminable range threshold value, it is determined that allow that response is described pays request, to perform described to pay the delivery operation that request is corresponding; Otherwise, refuse described payment to ask.
In this technical scheme, if the range difference between primary importance and the second position is more than predeterminable range threshold value, namely range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user; Otherwise, if the range difference between primary importance and the second position is smaller less than or equal to predeterminable range threshold value and range difference, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, it is preferable that also include: the first judging unit, before the described payment request of refusal, it is judged that whether described payment terminal receives the payment affirmation information from described target terminal; And described determine unit specifically for: when judged result is for being, still allows for responding and described pay request, to perform described to pay the delivery operation that request is corresponding; Otherwise, refuse described payment to ask.
In this technical scheme, before refusal to pay request, payment terminal can send information to point out the range difference between user's primary importance and the second position excessive to target terminals such as the mobile phones that user commonly uses, it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, so that user finally determines whether payment terminal can respond this payment request, if the user determine that be validated user (household such as user) or user is carrying out this consumption (such as: conventional mobile phone is dropped on family by user, and its household is connected phone by another mobile phone carried with user and is determined that user is carrying out this and consuming), then will input payment affirmation information to target terminal, so that payment terminal receive payment affirmation information just can respond payment request, so that validated user or user complete this consumption, otherwise, if payment terminal does not receive the payment affirmation information from target terminal, payment terminal will be given tacit consent to disabled user and just usurp Alipay or the bank card of user in strange land, and then refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user.
In technique scheme, preferably, also include: the second judging unit, before the primary importance of the target terminal specifying the binding of disbursement letter manner of breathing obtained in asking with described payment, judge that described payment terminal is after receiving described payment request, if get correct payment key; And described acquiring unit specifically for: when judged result is for being, start to obtain described primary importance, otherwise, do not obtain described primary importance.
In this technical scheme, before payment terminal obtains primary importance, whether payment terminal receives correct payment key and the payment cipher of user's input under first should judging, if, then start to obtain primary importance, to realize can directly determining whether that responding this pays request in conjunction with the second position, user namely whether is allowed to complete to pay; And if payment terminal do not receive user input pay key or receive mistake payment key, then payment terminal can refuse completely this pay, be therefore completely unnecessary acquisition primary importance, thus be avoided that payment terminal carries out unnecessary operation.
In technique scheme, preferably, described acquiring unit is specifically additionally operable to: controls described payment terminal and obtains described primary importance and/or by receiving the described primary importance that described target terminal obtains in the way of GSP location or WIFI location by the equipment with base station functions in the Serving cell at described target terminal place.
In this technical scheme, payment terminal obtains the mode of primary importance to be had multiple, can either directly through the equipment communication with base station functions in the networks such as 2G, 3G, 4G Serving cell with target terminal place, to obtain the primary importance of target terminal, certainly, can also communicate with target terminal, so that after target terminal is accurately positioned the primary importance of self by GSP or WIFI, primary importance is back to payment terminal, wherein, the equipment with base station functions includes base station, the microcell base station etc. realized by communication equipment (such as smart mobile phone etc.).
Another aspect of the present invention proposes a kind of terminal, including: the payment request as according to any one of technique scheme processes device.
In this technical scheme, process device by installing payment request in terminal, it is possible to make financial institution effectively ensure that the safety of payment of user, it is prevented that disabled user strange land is stolen the bank card of brush user or usurps Alipay, to improve the property safety of user.
Pass through technical scheme, it is possible to make financial institution effectively ensure that the safety of payment of user, it is prevented that disabled user strange land is stolen the bank card of brush user or usurps Alipay, to improve the property safety of user.
Accompanying drawing explanation
Fig. 1 illustrates the schematic flow sheet of payment request processing method according to an embodiment of the invention;
Fig. 2 illustrates that payment request according to an embodiment of the invention processes the structural representation of device;
Fig. 3 illustrates the structural representation of terminal according to an embodiment of the invention;
Fig. 4 illustrates the schematic flow sheet paying request processing method according to another embodiment of the invention.
Detailed description of the invention
In order to the above-mentioned purpose of the present invention, feature and advantage can be more clearly understood that, below in conjunction with the drawings and specific embodiments, the present invention is further described in detail. It should be noted that when not conflicting, embodiments herein and the feature in embodiment can be mutually combined.
Elaborate a lot of detail in the following description so that fully understanding the present invention; but; the present invention can also adopt other to be different from other modes described here to implement, and therefore, protection scope of the present invention is by the restriction of following public specific embodiment.
Fig. 1 illustrates the schematic flow sheet of payment request processing method according to an embodiment of the invention.
As shown in Figure 1, illustrate payment request processing method according to an embodiment of the invention, including: step 102, when payment terminal receives payment request, obtain and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request; Step 104, compares the second position of described primary importance Yu described payment terminal, to determine whether that responding described payment asks according to comparative result.
In this technical scheme, in payment terminal (such as the consumption terminal that bank counter uses, the consumption terminal that the ATM of bank uses, the terminal at the Alipay place of user) receive the payment request of user as withdraw the money, during the requests such as remittance, by the bank's card number obtained with pay in request, Alipay account, address names etc. specify the primary importance position of place (when the representing this consumption of user should) of the target terminal (the conventional mobile phone of individual such as user) of disbursement letter manner of breathing binding, payment terminal then can be made to calculate the range difference of the second position (representing the position at actual place during this consumption of user and the local position of payment terminal) and primary importance automatically and accurately, and determine whether that according to range difference payment terminal responds this and pays request exactly, its detailed process is: if range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user, otherwise, if range difference is smaller, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, it is preferable that if the range difference between described primary importance and the described second position is less than or equal to predeterminable range threshold value, it is determined that allow described payment of response to ask, the delivery operation corresponding to perform described payment request; Otherwise, refuse described payment to ask.
In this technical scheme, if the range difference between primary importance and the second position is more than predeterminable range threshold value, namely range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user; Otherwise, if the range difference between primary importance and the second position is smaller less than or equal to predeterminable range threshold value and range difference, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, preferably, before the described payment request of refusal, also include: judge whether described payment terminal receives the payment affirmation information from described target terminal, when judged result is for being, still allow for responding described payment to ask, to perform the described delivery operation paying request correspondence; Otherwise, refuse described payment to ask.
In this technical scheme, before refusal to pay request, payment terminal can send information to point out the range difference between user's primary importance and the second position excessive to target terminals such as the mobile phones that user commonly uses, it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, so that user finally determines whether payment terminal can respond this payment request, if the user determine that be validated user (household such as user) or user is carrying out this consumption (such as: conventional mobile phone is dropped on family by user, and its household is connected phone by another mobile phone carried with user and is determined that user is carrying out this and consuming), then will input payment affirmation information to target terminal, so that payment terminal receive payment affirmation information just can respond payment request, so that validated user or user complete this consumption, otherwise, if payment terminal does not receive the payment affirmation information from target terminal, payment terminal will be given tacit consent to disabled user and just usurp Alipay or the bank card of user in strange land, and then refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user.
In technique scheme, preferably, before the primary importance of the target terminal specifying the binding of disbursement letter manner of breathing obtained in asking with described payment, also include: judge that described payment terminal is after receiving described payment request, whether get correct payment key, and when judged result is for being, start to obtain described primary importance, otherwise, described primary importance is not obtained.
In this technical scheme, before payment terminal obtains primary importance, whether payment terminal receives correct payment key and the payment cipher of user's input under first should judging, if, then start to obtain primary importance, to realize can directly determining whether that responding this pays request in conjunction with the second position, user namely whether is allowed to complete to pay; And if payment terminal do not receive user input pay key or receive mistake payment key, then payment terminal can refuse completely this pay, be therefore completely unnecessary acquisition primary importance, thus be avoided that payment terminal carries out unnecessary operation.
In technique scheme, preferably, described acquisition and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request, specifically include: controls described payment terminal and obtains described primary importance and/or by receiving the described primary importance that described target terminal obtains in the way of GSP location or WIFI location by the equipment with base station functions in the Serving cell at described target terminal place.
In this technical scheme, payment terminal obtains the mode of primary importance to be had multiple, can either directly through 2G, 3G, the cellular networks such as 4G and the equipment communication with base station functions in the Serving cell at target terminal place, to obtain the primary importance of target terminal, certainly, can also communicate with target terminal, so that after target terminal is accurately positioned the primary importance of self by GSP or WIFI, primary importance is back to payment terminal, wherein, the equipment with base station functions includes base station, by the microcell base station etc. that communication equipment (such as smart mobile phone etc.) realizes.
Fig. 2 illustrates that payment request according to an embodiment of the invention processes the structural representation of device.
As shown in Figure 2, illustrate that payment request according to an embodiment of the invention processes device 200, including: acquiring unit 202, when payment terminal receives payment request, obtain and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request; Comparing unit 204, compares the second position of described primary importance Yu described payment terminal; Determine unit 206, determine whether that responding described payment asks according to comparative result.
In this technical scheme, in payment terminal (such as the consumption terminal that bank counter uses, the consumption terminal that the ATM of bank uses, the terminal at the Alipay place of user) receive the payment request of user as withdraw the money, during the requests such as remittance, by the bank's card number obtained with pay in request, Alipay account, address names etc. specify the primary importance position of place (when the representing this consumption of user should) of the target terminal (the conventional mobile phone of individual such as user) of disbursement letter manner of breathing binding, payment terminal then can be made to calculate the range difference of the second position (representing the position at actual place during this consumption of user and the local position of payment terminal) and primary importance automatically and accurately, and determine whether that according to range difference payment terminal responds this and pays request exactly, its detailed process is: if range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user, otherwise, if range difference is smaller, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, preferably, described determine unit 206 specifically for: if the range difference between described primary importance and the described second position is less than or equal to predeterminable range threshold value, it is determined that allow that response is described pays request, to perform described to pay the delivery operation that request is corresponding; Otherwise, refuse described payment to ask.
In this technical scheme, if the range difference between primary importance and the second position is more than predeterminable range threshold value, namely range difference is excessive, when this consumption of user is then described should this consumption of position and user at place time actual place position far apart, then it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, then can refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user; Otherwise, if the range difference between primary importance and the second position is smaller less than or equal to predeterminable range threshold value and range difference, when this consumption of user is then described should this consumption of position and user at place time actual place position at a distance of only small, then substantially can be determined that user is normally using Alipay or the bank card of user, user then can respond this payment request, so that can normally complete this consumption.
In technique scheme, it is preferable that also include: the first judging unit 208, before the described payment request of refusal, it is judged that whether described payment terminal receives the payment affirmation information from described target terminal; And described determine unit 206 specifically for: when judged result is for being, still allows for responding and described pay request, to perform described to pay the delivery operation that request is corresponding; Otherwise, refuse described payment to ask.
In this technical scheme, before refusal to pay request, payment terminal can send information to point out the range difference between user's primary importance and the second position excessive to target terminals such as the mobile phones that user commonly uses, it is likely to be disabled user and just usurps Alipay or the bank card of user in strange land, so that user finally determines whether payment terminal can respond this payment request, if the user determine that be validated user (household such as user) or user is carrying out this consumption (such as: conventional mobile phone is dropped on family by user, and its household is connected phone by another mobile phone carried with user and is determined that user is carrying out this and consuming), then will input payment affirmation information to target terminal, so that payment terminal receive payment affirmation information just can respond payment request, so that validated user or user complete this consumption, otherwise, if payment terminal does not receive the payment affirmation information from target terminal, payment terminal will be given tacit consent to disabled user and just usurp Alipay or the bank card of user in strange land, and then refuse this payment request, so that disabled user cannot complete this consumption, it is thereby advantageously ensured that the safety of payment of user improve the property safety of user.
In technique scheme, preferably, also include: the second judging unit 210, before the primary importance of the target terminal specifying the binding of disbursement letter manner of breathing obtained in asking with described payment, judge that described payment terminal is after receiving described payment request, if get correct payment key; And described acquiring unit 202 specifically for: when judged result is for being, start to obtain described primary importance, otherwise, do not obtain described primary importance.
In this technical scheme, before payment terminal obtains primary importance, whether payment terminal receives correct payment key and the payment cipher of user's input under first should judging, if, then start to obtain primary importance, to realize can directly determining whether that responding this pays request in conjunction with the second position, user namely whether is allowed to complete to pay; And if payment terminal do not receive user input pay key or receive mistake payment key, then payment terminal can refuse completely this pay, be therefore completely unnecessary acquisition primary importance, thus be avoided that payment terminal carries out unnecessary operation.
In technique scheme, preferably, described acquiring unit 202 is specifically additionally operable to: controls described payment terminal and obtains described primary importance and/or by receiving the described primary importance that described target terminal obtains in the way of GSP location or WIFI location by the equipment with base station functions in the Serving cell at described target terminal place.
In this technical scheme, payment terminal obtains the mode of primary importance to be had multiple, can either directly through the equipment communication with base station functions in the networks such as 2G, 3G, 4G Serving cell with target terminal place, to obtain the primary importance of target terminal, certainly, can also communicate with target terminal, so that after target terminal is accurately positioned the primary importance of self by GSP or WIFI, primary importance is back to payment terminal, wherein, the equipment with base station functions includes base station, the microcell base station etc. realized by communication equipment (such as smart mobile phone etc.).
Fig. 3 illustrates the structural representation of terminal according to an embodiment of the invention.
As shown in Figure 3, it is shown that terminal 300 according to an embodiment of the invention, including: payment request as according to any one of technique scheme processes device 200.
In this technical scheme, device 200 is processed by installing payment request in terminal 300, financial institution can be made to effectively ensure that the safety of payment of user, it is prevented that disabled user strange land is stolen the bank card of brush user or usurps Alipay, to improve the property safety of user.
Fig. 4 illustrates the schematic flow sheet paying request processing method according to another embodiment of the invention.
As shown in Figure 4, it is shown that payment request processing method according to another embodiment of the invention, including:
Step 402, user uses and pays in bank card payment terminal on bank counter, this payment terminal request user inputs correct payment cipher, wherein, the card number (namely specifying payment information) of this bank card is bound with the cell-phone number code-phase of the conventional mobile phone of user and target terminal;
Step 404, payment terminal judges that whether the password that user inputs is correct, if correct, enters step 406, and otherwise, directly this payment request of refusal, so that user cannot complete this delivery operation;
Step 406, the positional information of the conventional mobile phone that payment terminal is bound mutually by this bank's card number of cellular network (i.e. 2G, 3G or 4G network) acquisition request of operator with user and primary importance;
Step 408, payment terminal judges whether customer location and position of withdrawing the money (i.e. the second position) are whether the range difference between " same position " i.e. primary importance and the described second position is less than or equal to predeterminable range threshold value, certainly, in an embodiment, if the range difference that can assume that between primary importance and the described second position is less than or equal to predeterminable range threshold value (namely 50 meters), then it is judged to " same position " and enters step 414, otherwise, it not " same position " enter step 410;
Step 410, when judging that customer location is not " same position " with position of withdrawing the money, sends checking note (i.e. payment affirmation information) to binding hands machine;
Step 412, user's message reply confirms transaction;
Step 414, pays successfully.
Technical scheme is described in detail, it is possible to make financial institution effectively ensure that the safety of payment of user, it is prevented that disabled user strange land is stolen the bank card of brush user or usurps Alipay, to improve the property safety of user above in association with accompanying drawing.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations. All within the spirit and principles in the present invention, any amendment of making, equivalent replacement, improvement etc., should be included within protection scope of the present invention.
Claims (11)
1. one kind pays request processing method, it is characterised in that including:
When payment terminal receives payment request, obtain and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request;
The second position of described primary importance Yu described payment terminal is compared, to determine whether that responding described payment asks according to comparative result.
2. payment request processing method according to claim 1, it is characterised in that described determine whether to respond according to comparative result described pay request, specifically include:
If the range difference between described primary importance and the described second position is less than or equal to predeterminable range threshold value, it is determined that allow described payment of response to ask, the delivery operation corresponding to perform described payment request; Otherwise, refuse described payment to ask.
3. payment request processing method according to claim 2, it is characterised in that before the described payment request of refusal, also include:
Judge whether described payment terminal receives the payment affirmation information from described target terminal, when judged result is for being, still allows for responding described payment and ask, to perform the described delivery operation paying request correspondence; Otherwise, refuse described payment to ask.
4. payment request processing method according to claim 1, it is characterised in that before the primary importance of the target terminal specifying the binding of disbursement letter manner of breathing obtained in asking with described payment, also includes:
Judge that described payment terminal is after receiving described payment request, if get correct payment key, and when judged result is for being, start to obtain described primary importance, otherwise, do not obtain described primary importance.
5. payment request processing method according to any one of claim 1 to 4, it is characterised in that
Described acquisition and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request, specifically include:
Control described payment terminal and obtain described primary importance and/or by receiving the described primary importance that described target terminal obtains in the way of GSP location or WIFI location by the equipment with base station functions in the Serving cell at described target terminal place.
6. one kind pays request process device, it is characterised in that including:
Acquiring unit, when payment terminal receives payment request, obtains and the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request;
Comparing unit, compares the second position of described primary importance Yu described payment terminal;
Determine unit, determine whether that responding described payment asks according to comparative result.
7. payment request according to claim 6 process device, it is characterised in that described determine unit specifically for:
If the range difference between described primary importance and the described second position is less than or equal to predeterminable range threshold value, it is determined that allow described payment of response to ask, the delivery operation corresponding to perform described payment request; Otherwise, refuse described payment to ask.
8. payment request according to claim 7 processes device, it is characterised in that also include:
First judging unit, before the described payment request of refusal, it is judged that whether described payment terminal receives the payment affirmation information from described target terminal; And
Described determine unit specifically for:
When judged result is for being, still allows for responding described payment and ask, to perform the described delivery operation paying request correspondence; Otherwise, refuse described payment to ask.
9. payment request according to claim 6 processes device, it is characterised in that also include:
Second judging unit, is obtaining and before the primary importance of the described target terminal specifying the binding of disbursement letter manner of breathing paid in request, it is judged that described payment terminal is after receiving described payment request, if get correct payment key; And
Described acquiring unit specifically for:
When judged result is for being, start to obtain described primary importance, otherwise, do not obtain described primary importance.
10. the payment request according to any one of claim 6 to 9 processes device, it is characterised in that
Described acquiring unit is specifically additionally operable to:
Control described payment terminal and obtain described primary importance and/or by receiving the described primary importance that described target terminal obtains in the way of GSP location or WIFI location by the equipment with base station functions in the Serving cell at described target terminal place.
11. a terminal, it is characterised in that including: the payment request as according to any one of claim 6 to 10 processes device.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510154438.XA CN105631659A (en) | 2015-04-02 | 2015-04-02 | Payment request processing method, payment request processing device and terminal |
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| CN201510154438.XA CN105631659A (en) | 2015-04-02 | 2015-04-02 | Payment request processing method, payment request processing device and terminal |
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| CN105631659A true CN105631659A (en) | 2016-06-01 |
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| CN201510154438.XA Pending CN105631659A (en) | 2015-04-02 | 2015-04-02 | Payment request processing method, payment request processing device and terminal |
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| CN105631662A (en) * | 2015-06-19 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | NFC payment method, NFC payment system and mobile terminal |
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| CN107301547A (en) * | 2017-07-02 | 2017-10-27 | 刘兴丹 | A kind of network payment slidably inputs method, device, the system of password |
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| CN110544099A (en) * | 2019-08-22 | 2019-12-06 | 立旃（上海）科技有限公司 | Payment method, payment processing system and payment acceptance terminal based on block chain |
| CN115131922A (en) * | 2021-03-25 | 2022-09-30 | 深圳怡化电脑股份有限公司 | Acceptance terminal equipment and transaction method and transaction device thereof with bank system |
| CN115131922B (en) * | 2021-03-25 | 2024-05-28 | 深圳怡化电脑股份有限公司 | Reception terminal device, transaction method and transaction device for reception terminal device and bank system |
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Application publication date: 20160601 |