CN105678535A - Payment method and device - Google Patents

Payment method and device Download PDF

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Publication number
CN105678535A
CN105678535A CN201610067791.9A CN201610067791A CN105678535A CN 105678535 A CN105678535 A CN 105678535A CN 201610067791 A CN201610067791 A CN 201610067791A CN 105678535 A CN105678535 A CN 105678535A
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China
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user
information
transaction
server
terminal
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CN201610067791.9A
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Chinese (zh)
Inventor
郑利
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北京智能果技术有限公司
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Priority to CN201610067791.9A priority Critical patent/CN105678535A/en
Publication of CN105678535A publication Critical patent/CN105678535A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or user identification provision, e.g. password entry
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification number [PIN]

Abstract

The invention provides a payment method and device. The payment method comprises the following steps: sending registration information and first safety information to a server, wherein the registration information carries user identification, and the first safety information comprises at least one of first position information of a terminal, first user image information and first user sound information, and the first safety information is used for indicating the server to judge whether a first user is a legal user; receiving a first transaction ticket number sent by the server according to the user identification when judging that the first user is the legal user; and sending a transaction message to a POS terminal to enable the POS terminal to send the transaction message to the server for analysis processing. According to the payment method and device, by combining the POS terminal with the terminal, a POS terminal service provider can monitor the POS terminal in real time; and meanwhile, by installing or downloading applications to the terminal, expansion of the function of the POS terminal is realized.

Description

支付方法与装置 Payment method and device

技术领域 FIELD

[0001]本发明涉及安全支付技术,尤其涉及一种支付方法与装置。 [0001] The present invention relates to the secure payment technology, and particularly relates to a method and apparatus payment.

背景技术 Background technique

[0002]销售终端(point of sale,P0S)是一种多功能终端,把它安装在信用卡的特约商户和受理网点中与计算机联成网络,就能实现电子资金自动转账和余额查询等功能,使用起来安全、快捷、可靠。 [0002]-sale terminals (point of sale, P0S) is a multi-purpose terminal, install it on merchants and credit card issuing branch with a computer linked to a network, you can achieve automatic electronic funds transfers and balance inquiries and other functions, safe to use, fast and reliable.

[0003]其中,现有的POS机都是由银行、银联或者具备相应资质的第三方金融机构管理并发行,当商户需要使用POS机时,则商户需要与上述POS机管的理发行机构签署协议,在签署协议之前,POS机的管理发行机构需要对商户的资质、规模、经营情况等进行审核,防止不法分子利用发出的POS机进行违法活动。 [0003] where existing POS machines are and the issuing bank, or third-party management CUP appropriately qualified financial institutions by, when merchants need to use POS machines, you need to sign and manage business issuers above POS machines tube agreement, before signing the agreement, the management of the issuer POS machines need qualified merchant, scale, audit and other operating conditions, prevent the use of POS machines issued for illegal activities.

[0004]目前常见的POS机可以分为有线POS机和移动POS机,其中有线POS机是通过电话线与银行系统进行通信,银行系统可以通过与POS机的电话线通信接口实时监测到POS机的使用地点和使用情况,移动POS机通过拨打全球移动通信系统(Global System for MobileCommunicat1nASMG),将交易信息发送到当地移动公司的服务器,利用移动公司网络将交易信息汇总发送到该中心城市所在的移动分公司,再通过与银行相连的相应专线,将数据传输给银行系统。 [0004] Current common POS POS machine can be classified into wired and mobile POS, POS machine which is performed by the wired telephone line and communicating banking system, banking system via a telephone line in real-time monitoring and communications interface to the POS POS machine the use of location and usage, mobile POS machines will be sent by dialing a GSM (global system for MobileCommunicat1nASMG) transaction information to the local mobile company's server, using the mobile company's network will be aggregated transaction information to move the center of the city where branch, and then through respective bank line connected to the data transfer to the bank system.

[0005]由于移动POS机的使用地点和使用商户可以处于变化中,则POS机发行方无法实现对移动POS机的实时监管,难以即时了解POS机的使用地点和使用场景,同时由于POS机的功能在相关POS机的管理发行机构发出时已经限定,其功能单一,如果需要扩展功能,则需要更换POS机或者需要专门的技术手段进行升级,操作比较复杂。 [0005] Due to the use of the location and use of the merchant's mobile POS machines may be in flux, the POS machine issuer can not achieve real-time monitoring of mobile POS machines, it is difficult to immediately understand the point of use POS machines and usage scenarios, and because POS machines function has been limited in the management of the issuer related to POS machines issued its single function, if you want extended capabilities, you need to replace the POS machine or require specialized technology upgrade, more complex operations.

[0006]因此,如何实现对POS机的实时监管,以及如何实现对POS机功能的扩展成为相关技术人员急于解决的技术问题。 [0006] Therefore, how to achieve real-time monitoring of POS machines, and how to extend the functionality of POS machines has become technical issues related technical personnel eager to solve.

发明内容 SUMMARY

[0007]本发明提供一种支付方法与装置,通过将POS机与终端结合,实现了对POS机的实时监控,并且实现了POS机功能的扩展。 [0007] The present invention provides a method and apparatus for payment, by binding to the POS terminals, real-time monitoring of the POS and POS machine to achieve extended functions.

[0008]第一方面,本发明提供一种支付方法,包括: [0008] In a first aspect, the present invention provides a method of payment, comprising:

[0009]向服务器发送登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; [0009] sends the login information to the server and the first security information, the login information carries the user identifier, the first security information comprises location information of a first terminal, the image information of the first user, the first user's voice information at least one of the first security information indicating the server first determines whether the user is a legal user;

[0010]接收所述服务器在判断所述第一用户为合法用户后、根据所述用户标识发送的第一交易单号; After [0010] receiving the first server determines that the user is a legitimate user, according to a first single transaction identification number sent by the user;

[0011 ]向销售终端POS机发送交易报文,以使所述POS机将所述交易报文发送至所述服务器进行解析处理;所述交易报文包括所述用户标识、第二交易单号和所获取的交易信息; [0011] sends a transaction message to the sales terminal POS, POS machine to cause the packet to the transaction server for the analysis process; the transaction message comprises the user identifier, the second single transaction number and transaction information acquired;

[0012]接收所述服务器发送的交易结果。 [0012] receiving transaction result sent by the server.

[0013] 进一步地,所述方法还包括: [0013] Preferably, the method further comprising:

[0014]在接收到所述服务器发送的安全请求时,向所述服务器发送第二安全信息;所述第二安全信息包括终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个,所述第二安全信息用于指示所述服务器判断第二用户是否为合法用户。 [0014] Upon receiving the secure transmission request to the server, and transmits the second security information to the server; the second security information comprises location information of a second terminal, the image information of the second user, the second user's voice message at least one of the second security information for instructing the second server determines whether the user is a legitimate user.

[0015]可选地,所述向服务器发送登录信息和第一安全信息之前,还包括: Before [0015] Alternatively, the server sends the first security information and login information, further comprising:

[0016]向所述服务器发送注册信息;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 [0016] transmits to the server the registration information; registration information including the identity of said user identification, said POS machine, the third position information of the terminal, the user of the third image information and sound information of the third user.

[0017]第二方面,本发明提供一种支付方法,包括: [0017] a second aspect, the present invention provides a method of payment, comprising:

[0018]接收终端发送的登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括所述终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; [0018] The first security information and login information sent by a terminal, the login information carries the user identifier, the first security information comprises first location information of the terminal, the image information of the first user, the first user's voice at least one of information, the first security information indicating the server first determines whether the user is a legal user;

[0019]当所述第一用户为合法用户时,根据所述用户标识向所述终端发送第一交易单号; [0019] When the first user as a legitimate user, transmitting the transaction order number to the first terminal according to the user identifier;

[0020]接收销售终端POS机发送的交易报文、所述POS机的标识和交易密码,所述交易报文包括所述用户标识、第二交易单号和所述终端获取的交易信息; [0020] The sales transaction receiving packets transmitted from the POS terminal, the POS machine ID and password transaction, the transaction message comprises the user identifier, the second transaction order number and the transaction information obtained by the terminal;

[0021]对所述交易报文进行解析处理,并在根据解析后的交易报文和所述POS机的标识判断当前的交易业务合法时,向金融系统发送支付信息,所述支付信息中包括所述交易密码和所述交易信息。 [0021] The transaction for the packet analysis processing, and the transaction according to the identifier of the parsed packet and the machine determines the current POS transactions legal service, transmits payment information to the financial system, the payment information comprising the transaction password and the transaction information.

[0022]进一步地,所述根据解析后的交易报文和所述POS机的标识判断当前的交易业务合法,具体包括 [0022] Further, according to the identifier of said transaction message parsed and determination of the POS machine current legitimate business transactions, including

[0023]对所述交易报文进行解析处理,获得所述交易报文中的所述第二交易单号; [0023] the transaction packet analysis processing to obtain said second transaction message transaction order number;

[0024]判断所述第二交易单号是否与所述第一交易单号相同,以及根据预设的映射关系判断所述POS机的标识是否与所述用户标识匹配; [0024] determining whether the second transaction order number and the first number the same as a single transaction, and according to the preset mapping relationship between the identifier of the POS machine determines whether the user identity matches;

[0025]当所述第二交易单号与所述第一交易单号相同,且所述POS机的标识与所述用户标识匹配时,确定所述交易业务合法。 [0025] When the second transaction order number and the first number the same as a single transaction, and the POS machine upon identifying matching the user identifier, determining a legitimate transaction service.

[0026] 可选地,所述方法还包括: [0026] Optionally, the method further comprising:

[0027]当所述交易信息中的交易金额大于预设金额时,向所述终端发送安全请求; [0027] When the amount of the transaction in the transaction information is greater than a predetermined amount, sending a secure request to the terminal;

[0028]接收所述终端发送的第二安全信息,所述第二安全信息包括所述终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个。 [0028] received second security information sent by the terminal, the second security information comprises second location information of the terminal, the image information of the second user, the second user's voice in at least one of information.

[0029]进一步地,在接收终端发送的登录信息之前,所述方法还包括: [0029] Further, before transmitting the login information receiving terminal, said method further comprising:

[0030]接收所述终端发送的注册信息,并根据所述注册信息建立所述映射关系;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 [0030] The terminal receives the registration information transmitted, and establishing the mapping relation according to the registration information; registration information comprises an identification of said user identification, said POS machine, the third position information of the terminal, The third image information user and the third user voice information.

[0031]第三方面,本发明提供一种支付装置,包括: [0031] a third aspect, the present invention provides a payment device, comprising:

[0032]发送模块,用于向服务器发送登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; [0032] transmitting means for transmitting to a server a first security information and login information, the login information carries the user identifier, the first security information comprises location information of a first terminal, a first user image information, the first user's voice information of at least one of the first security information indicating the server first determines whether the user is a legal user;

[0033]接收模块,用于接收所述服务器在判断所述第一用户为合法用户后、根据所述用户标识发送的第一交易单号; [0033] a receiving module, configured to receive said server after determining the first user as a legitimate user, the first transaction order number in accordance with the user identification transmitted;

[0034]所述发送模块,还用于向销售终端POS机发送交易报文,以使所述POS机将所述交易报文发送至所述服务器进行解析处理;所述交易报文包括所述用户标识、第二交易单号和所获取的交易信息; [0034] The sending module is further configured to send a message to the transaction sale terminal POS, the POS machine so that the transaction message is sent to the server for analysis process; the transaction message comprises the user ID, the second single transaction numbers and transaction information acquired;

[0035]所述接收模块,还用于接收所述服务器发送的交易结果。 The [0035] receiving module is further configured to receive the transaction result sent by the server.

[0036]进一步地,所述发送模块,还用于在所述接收模块接收到所述服务器发送的安全请求时,向所述服务器发送第二安全信息;所述第二安全信息包括终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个,所述第二安全信息用于指示所述服务器判断第二用户是否为合法用户。 [0036] Further, the transmitting module is further used for receiving the security module receives a request sent by the server, transmitting the second security information to the server; the second security information comprises a first terminal two position information, the image information of the second user, the second user's voice information to at least one of said second security information for instructing the second server determines whether the user is a legitimate user.

[0037]可选地,所述发送模块,还用于在向服务器发送登录信息和第一安全信息之前,向所述服务器发送注册信息;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 [0037] Alternatively, the sending module is further configured to log on to the server before sending the first information and the security information, sends the registration information to the server; the registration information includes the user identification, the POS machine identification, location information of the third terminal, the third user image information and sound information of the third user.

[0038]第四方面,本发明提供一种支付装置,包括: [0038] a fourth aspect, the present invention provides a payment device, comprising:

[0039]接收模块,用于接收终端发送的登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括所述终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; [0039] The receiving means for the first security information and login information sent by a terminal, the login information carries the user identifier, the first security information comprises first location information of the terminal, a first user image information , a first user of at least one sound information, the first security information indicating the server first determines whether the user is a legal user;

[0040]发送模块,用于当所述第一用户为合法用户时,根据所述用户标识向所述终端发送第一交易单号; When the [0040] transmitting module, when the first user as a legitimate user, transmitting the transaction order number to the first terminal according to the user identifier;

[0041]所述接收模块,还用于接收销售终端POS机发送的交易报文、所述POS机的标识和交易密码,所述交易报文包括所述用户标识、第二交易单号和所述终端获取的交易信息; [0041] The receiving module is further configured to receive sales transaction message sends the POS terminal, the POS machine ID and password transaction, the transaction message comprises the user identifier, the transaction order number and the second said transaction information obtained by the terminal;

[0042]处理模块,用于对所述交易报文进行解析处理,并根据解析后的交易报文和所述POS机的标识判断当前的交易业务是否合法; [0042] The processing module, configured to parse the transaction process message, and determines whether the current transaction is legitimate business transaction identifier according to the message parsed and the POS machine;

[0043]所述发送模块,还用于在所述处理模块根据解析后的交易报文和所述POS机的标识判断当前的交易业务合法时,向金融系统发送支付信息,所述支付信息中包括所述交易密码和所述交易信息。 [0043] The sending module is further configured to identify the transaction processing module according to the parsed packet and the POS machine determines the current valid transaction service, transmits payment information to the financial system, the payment information the transaction includes the password and transaction information.

[0044]进一步地,所述处理模块,具体包括: [0044] Further, the processing module comprises:

[0045]解析单元,用于对所述交易报文进行解析处理,获得所述交易报文中的所述第二交易单号; [0045] The parsing unit configured to parse the transaction message processing, the transaction packet to obtain the second single transaction number;

[0046]判断单元,用于判断所述第二交易单号是否与所述第一交易单号相同,以及根据预设的映射关系判断所述POS机的标识是否与所述用户标识匹配; [0046] determination means for determining whether the second transaction order number the same as the first transaction order number, and according to the preset mapping relationship between the identifier of the POS machine determines whether the user identity matches;

[0047]确定单元,用于在所述判断单元判断所述第二交易单号与所述第一交易单号相同,且所述POS机的标识与所述用户标识匹配时,确定所述交易业务合法。 When the judgment unit judges that the second transaction order number and the first number the same as a single transaction, and the POS machine identification matching the user identifier and the [0047] determination means for determining the transaction legitimate business.

[0048]进一步地,所述发送模块,还用于当所述交易信息中的交易金额大于预设金额时,向所述终端发送安全请求;所述接收模块,还用于接收所述终端发送的第二安全信息,所述第二安全信息包括所述终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个。 [0048] Further, the transmitting module is further configured to, when the transaction amount of the transaction information is greater than a predetermined amount, sending a secure request to the terminal; the receiving module is further configured to receive the transmission terminal second security information, the second security information comprises second location information of the terminal, the image information of the second user, the second user's voice in at least one of information.

[0049]可选地,所述接收模块,还用于在接收终端发送的登录信息之前,接收所述终端发送的注册信息,并根据所述注册信息建立所述映射关系;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 [0049] Alternatively, the receiving module is further configured to, before transmitting the login information receiving terminal receiving the registration information sent by the terminal, and establishing the mapping relation according to the registration information; registration information comprises the the identifier identifying the user, the POS machine, the third position information of the terminal, the user of the third image information and sound information of the third user.

[0050]本发明提供的支付方法和装置,将终端与POS机结合,通过终端向服务器发送登录信息和第一安全信息,服务器根据终端发送的登录信息中携带的用户标识和第一安全信息判断登录服务器的用户是否为合法用户,保证了登录服务器的用户为POS机合法用户,解决了现有技术中POS机运营商对POS机用户不能实时监管的问题,同时通过在终端设备上安装或者升级应用,实现了对POS机功能的实时更新,解决了POS机本身功能难以扩展的问题。 [0050] The payment method and apparatus of the present invention provides, in conjunction with the POS terminal and transmits a first login information and security information to the server via a terminal, the user identifier and the first server determines security information carried in the registration information sent by the terminal user login server whether the legitimate user to ensure that the user logs on to the server POS machines legitimate users to solve the problems of the prior art in POS machines POS machine operators not real-time monitoring of users, while installed on the terminal equipment or upgrade applications, to achieve real-time updates to the POS functions POS machine itself solve the problem difficult to extend functionality.

附图说明 BRIEF DESCRIPTION

[0051]为了更清楚地说明本发明实施例或现有技术中的技术方案,下面将对实施例或现有技术描述中所需要使用的附图作一简单地介绍,显而易见地,下面描述中的附图是本发明的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动性的前提下,还可以根据这些附图获得其他的附图。 [0051] In order to more clearly illustrate the technical solutions in the embodiments or the prior art embodiment of the present invention, the accompanying drawings for illustrating the prior art described or needed to be used in an embodiment will be briefly introduced hereinafter, the description below the figures show some embodiments of the present invention, those of ordinary skill in the art is concerned, without any creative effort, and can obtain other drawings based on these drawings.

[0052]图1为本发明提供的支付方法实施例一的流程示意图; Example of a flow [0052] FIG 1 the present invention provides a method of payment schematic embodiment;

[0053]图2为本发明提供的支付方法实施例二的流程示意图; Process Example II [0053] FIG. 2 of the present invention provides a method of payment schematic embodiment;

[0054]图3为本发明提供的支付方法实施例三的信令流程图; A signaling flowchart according to a third [0054] FIG. 3 provides a payment method of the present embodiment of the invention;

[0055]图4为本发明提供的支付装置实施例一的结构示意图; Schematic diagram of a structure of [0055] FIG. 4 payment device of the present invention provides embodiments;

[0056]图5为本发明提供的支付装置实施例二的结构示意图; Schematic structural diagram II [0056] FIG 5 provides payment device of the present embodiment of the invention;

[0057]图6为本发明提供的支付装置实施例三的结构示意图。 Schematic structural diagram III payment device [0057] FIG. 6 of the present embodiment provided herein.

具体实施方式 Detailed ways

[0058]为使本发明的目的、技术方案和优点更加清楚,下面将结合本发明实施例中的附图,对本发明实施例中的技术方案进行清楚、完整地描述,显然,所描述的实施例是本发明的一部分实施例,而不是全部的实施例。 [0058] To make the objectives, technical solutions, and advantages of the present invention will become more apparent below in conjunction with the present invention in the accompanying drawings, technical solutions of embodiments of the present invention are clearly and completely described, obviously, the described It is an embodiment of the present invention is a part, but not all embodiments.

[0059]本发明提供的支付方法与装置,是将POS机与终端结合,商户使用POS机之前通过终端登录服务器以进行后续的操作。 [0059] The payment method and apparatus provided by the present invention, the POS terminal is incorporated, the login server for subsequent operation by the machine prior to the merchant using POS terminals. 本发明的支付方法与装置可以适用于移动POS机,也可以适用于有线POS机,用于解决现有技术中POS机运营商对POS机用户无法实时监管的问题,以及POS机本身功能难以扩展的问题。 Payment method and apparatus of the present invention may be applicable to a mobile POS machine, it may be applied to a wired POS machine, for solving the problems of the prior art POS POS machine operators can not be real-time monitoring of the user machine, and the POS machine itself is difficult to expand the function The problem.

[0060]本发明所述的终端可以是智能移动终端,比如手机、平板电脑,也可以是固定终端,比如台式计算机,也就是说,本发明所述的终端只要可以安装客户端软件、附带定位功能、摄像功能、录音功能等的设备即可。 [0060] The terminal according to the present invention may be a smart mobile terminals, such as mobile phones, tablet PCs, may be a fixed terminal, such as a desktop computer, that is to say, the present invention as long as the terminal may install the client software, with positioning function, camera function, voice recording and other equipment can be.

[0061]下面以具体地实施例对本发明的技术方案进行详细说明。 [0061] In the following embodiments of particular embodiments of the present invention, the technical solution will be described in detail. 下面这几个具体的实施例可以相互结合,对于相同或相似的概念或过程可能在某些实施例中不再赘述。 The following several specific embodiments may be combined with each other, the same or similar concepts or processes may be omitted in some embodiments.

[0062]图1为本发明提供的支付方法实施例一的流程示意图,本实施例的支付方法可以应用于终端,本实施例涉及的是终端与服务器之间进行信息交互,并通过相应的信息交互实现POS机监管的具体过程。 Schematic diagram of a process of [0062] FIG 1 the present invention provides a method of payment embodiments, the present embodiment may be applied to the method of Example payment terminal, the present embodiment is directed to perform information interaction between the terminal and the server, and the corresponding information through POS machines to achieve the interaction of specific regulatory process. 如图1所示,本实施例的支付方法可以包括: , Payment method of the embodiment shown in Figure 1 may include:

[0063] S101、向服务器发送登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户。 [0063] S101, the server sends the login information to the first security information, the login information carries the user identifier, the first security information comprises location information of a first terminal, the image information of the first user, the first user's voice message at least one of the first security information indicating the server first determines whether the user is a legitimate user.

[0064]需要说明的是,用户在初始登录服务器时,用户需要向服务器输入用户标识,该用户标识与用户的POS机标识相适配,即一个POS机标识对应着一个用户标识,其中POS机标识可以为POS机终端号。 [0064] Incidentally, when the initial user login server, the user needs to enter a user ID to the server, the user identifier and the user identifier is adapted POS machine, i.e. a POS machine identifier corresponds to a user identifier, wherein the POS It may be a POS terminal identification number. 同时,在服务器中可以包括用于保存POS机用户信息的POS机用户信息库。 Meanwhile, the server may comprise a user information database stored POS POS machine user information.

[0065]可选地,服务器保存在POS机用户信息库中的信息,可以是POS机用户在申请POS机时在POS机运营商处保存的信息或者在银行系统保存的信息,服务器将该信息汇总建立了POS机用户信息库。 [0065] Alternatively, the POS server stored in the user information database information, the user may be stored in the POS POS machine operator at the time the POS application information or the information held in the banking system, the information server summary established POS machine user repository. 可选的,该POS机用户信息库中可以包括不同的POS机标识、不同的合法用户标识以及不同的安全信息之间的对应关系,一个POS机标识对应一个用户标识,一个用户标识对应一个安全信息。 Optionally, the POS user information database may include different POS machine identifier, a correspondence between the identification of different legitimate users and different security information, a POS machine identifier corresponding to a user identifier, a user identifier corresponding to a safe information. 该安全信息可以是POS机用户的位置信息、图像信息、声音信息、指纹信息等可以辨认POS机用户身份的信息。 The security information may be information POS machine can identify the location of the user identity information, image information, sound information, fingerprint information such as user POS machines. 需要说明的是,上述POS机用户信息库中的POS机标识均为合法的POS机的标识。 It should be noted that the above user repository POS machines POS machines logo are legitimate identity of POS machines.

[0066]具体地,当终端登录服务器时,终端向服务器发送登录信息和第一安全信息,该登录信息中携带有用户标识,服务器可以判断该用户标识是否与上述POS机用户信息库中POS机的标识匹配,以判断该用户标识是否合法。 [0066] Specifically, when a terminal logs in the server, the first terminal transmits login information and security information to the server, the login message carries a user identifier, the server may determine whether or not the user identification database user information POS POS machine and logo matching to determine whether the user ID is legitimate. 当用户标识与上述POS机用户信息库中的POS机标识不匹配时,则说明该用户不是POS机用户,即为违法用户,不容许登录服务器,服务器返回登录失败的信息给终端;当用户标识与上述POS机用户信息库中的POS机标识匹配时,说明该用户标识是合法的,但不能确认使用该用户标识的用户是否是与该用户标识匹配的POS机用户(即要判断使用该合法的用户标识的用户是否是合法的POS机用户),此时为了防止合法的POS机用户将服务器发送的用户标识转移给其他用户,导致登录服务器的用户不是合法的POS机用户本人,使得POS机运营商无法对POS机的合法使用进行实时监管,此时服务器还可以要求终端输入第一安全信息,该第一安全信息可以是终端的第一位置信息、第一用户图像信息、第一用户声音信息或者第一用户的指纹信息等,本发明对第一安全信息的种类不做限 When the user ID and the above-mentioned user information database POS POS machine IDs do not match, then the user is not the POS user, that is, illegal users, does not allow the login server, the server returns the terminal information registration failure; when a user identification and when said POS machine user repository POS machine identification match, indicating that the user ID is valid, but can not be confirmed using the user for the user ID whether the user ID matches the POS machine user (i.e., to be determined using the legitimate whether the user is a legitimate user identification POS machine user), this time in order to prevent legitimate users of the POS server sends the user identifier transferred to other users, leading to user login server is not a legitimate user himself POS machines, POS machines making operators can not be real-time monitoring of the legitimate use of POS machines, which the server can also require input terminal of the first security information, security information may be the first terminal of the first location information of the first user image information of the first user voice fingerprint information of the first user information or the like, the first security information type of the present invention is not limited ,只要可以验证第一用户的身份信息即可(该第一用户为此时登录服务器的用户),服务器根据终端发送的第一安全信息判断登录服务器的第一用户是否为合法用户。 Long as it can verify the identity information to a first user (the first user then the user's login server), the server according to a first user of the first security information registration server determines whether the terminal transmits a legitimate user.

[0067]进一步地,终端可以根据服务器的要求向服务器发送第一安全信息,比如服务器要求终端输入用户的图像,此时第一用户将自己的图像信息通过终端发送给服务器,如果终端为智能手机则用户可以通过智能手机的拍照功能将自己的头像输入到服务器中,服务器结合上述POS机用户信息库中的对应关系,判断该第一用户图像信息与当前登录的用户标识(当前登录的用户标识经过上述判断为合法用户标识)对应的POS机用户的图像是否匹配。 [0067] Further, the terminal may request the server transmits the first security information to the server, such as the image server requires a user's input terminal, while the first user's own image information sent to the server via the terminal, if the terminal is a smartphone the user can through the smart phone camera to input your own avatar to the server, the server in conjunction with the corresponding relationship between the POS machine user repository, the user determines whether the first image information and user identification (user ID currently logged currently logged after the determination as a legitimate user ID) corresponding to the POS machine matches the user's image. 如果终端发送的第一用户图像与该POS机用户图像匹配,则说明登录服务器的用户为该POS机的合法使用者,即该第一用户为合法用户;如果不匹配,则说明第一用户为非法用户,服务器不允许该非法用户登录服务器,即用户登录失败,用户不能使用POS机进行相应的交易。 If the first user terminal transmits the image to the image matching the POS user, then the user logs in the server for the POS machine legitimate user, i.e. the first user valid; if not match, the user is first unauthorized users, the server does not allow unauthorized users from logging server, that user login fails, the user can not use the POS machine corresponding transaction. 也就是说,当终端向服务器发送第一安全信息后,服务器可以将终端发送的第一安全信息与服务器中的POS机用户信息库中的合法用户的信息进行比对,以此来确认当前登录服务器的用户是否为POS机用户信息库中的POS机用户,防止非法用户登录服务器,避免POS机的违法使用。 That is, when the terminal sends the first security information to the server, the server can be the first security information to the server in the POS terminal sends the user information database of legitimate users to compare information in order to confirm the currently logged whether the user's server user repository POS machines POS machine users to prevent unauthorized users from logging server, to avoid illegal use of POS machines.

[0068]可选地,当服务器判断登录的第一用户为非法用户时,服务器可以将该判断信息发送给POS机运营商,POS机运营商根据服务器发送的信息对该POS机用户进行罚款或者停止使用POS机等处罚,实现了POS机运营商对POS机使用的实时监管,防止POS机的违法使用。 [0068] Alternatively, when the first user is logged on the server determines illegal user, the server can send the information to the POS machine Analyzing operators, machine operators to fine POS POS machine user according to the information sent by the server, or stop using POS machines and other punishment, to achieve real-time monitoring of POS machines POS machine operators use to prevent the illegal use of POS machines.

[0069]需要说明的是,本发明的终端与POS机之间定义了相关协议,该协议包括交易报文协议和指令协议,其中交易报文协议用于实现终端通过POS机向后台发起支付的应用,指令协议用于指示POS机根据终端发送的指令进行相应的操作,通过上述协议实现了POS机与终端之间的相互通信,同时用户可以在终端上安装或者升级应用实现对POS机功能的扩展。 [0069] Incidentally, the definition of the relevant agreement between a terminal of the present invention and the POS machine, the transaction protocol including packet protocol and protocol instructions, wherein the message protocol for implementing transaction terminal initiates a payment to the background through the POS machine applications, instructions for instructing the POS protocol corresponding operation according to an instruction sent by a terminal, to realize mutual communication between the POS terminal via the protocol machine, while the user can install or upgrade applications implemented on the machine function at the POS terminal extension.

[0070] S102、接收所述服务器在判断所述第一用户为合法用户后、根据所述用户标识发送的第一交易单号。 [0070] S102, the server after receiving the first user is determined as a legitimate user, the user identifier according to a first transaction order number transmitted.

[0071]具体地,当服务器判断第一用户为合法用户后,根据该用户标识向终端发送第一交易单号,使得终端接收服务器发送的第一交易单号,该第一交易单号是服务器根据用户标识随机生成的或者是按照某种预设规则生成的。 [0071] Specifically, when the server determines that the first user is a legitimate user based on the user identification number to send a first single transaction terminal so that the terminal receiving the first server sends the transaction order number, the order number is the first transaction server the user ID is generated randomly or generated according to some predetermined rule.

[0072]可选地,服务器还可以包括交易平台,上述第一交易单号可以在交易平台上完成。 [0072] Alternatively, the server may further include a transaction platform, the first transaction number may be done on a single trading platform.

[0073] S103、向销售终端POS机发送交易报文,以使所述POS机将所述交易报文发送至所述服务器进行解析处理;所述交易报文包括所述用户标识、第二交易单号和所获取的交易 [0073] S103, sends a transaction message to the sales terminal POS, the POS machine to cause the packet to the transaction server performs an analysis process; the transaction message comprises the user identifier, the second transaction a single number and the acquired transaction

ί目息O ί mesh information O

[0074]具体地,终端接收到服务器发送的第一交易单号后,向POS机发送交易报文,该交易报文包括上述合法化的用户标识、终端所获得的交易信息以及第二交易单号,该交易信息包括交易类型、交易金额等,其中交易类型可以为转账、查询等,接着终端按照与POS机之间的协议将该交易报文发送给POS机。 [0074] Specifically, the terminal after receiving the first transaction order number sent by the server, sends a transaction message to the POS machine, the transaction of the transaction message includes user identification information legalized, the obtained terminal and a second single transaction number, the transaction information includes a transaction type, transaction amount, transaction type which may be a transfer, query, then the terminal in accordance with the agreement between the POS transaction packet to the POS machine. POS机接收到交易报文后在POS机界面上显示相关交易信息,比如交易金额,此时需要客户对上述交易信息进行确认,当客户对交易信息中的交易类型、交易金额等信息的确认后,客户在POS机上输入确认指示,比如刷卡,接着POS机将上述交易报文、POS机标识以及交易密码等信息一起发送给服务器,服务器对POS机发送的信息进行解析处理,解析出用户标识、第二交易单号和交易信息等。 After receiving the POS transaction message display information related to the POS transaction machine interface, such as the transaction amount, the customer need at this time to confirm the transaction information described above, when a customer transaction information confirmation message transaction type, transaction amount after , the customer enters on the POS machine confirmation indication, such as credit card, then the POS sent to the server together with information of the transaction message, POS machine identification and transaction password, the server of the POS sends parse process, parses the user identifier, The second single transaction numbers and transaction information.

[0075]服务器将解析后的第二交易单号与之前下发给终端的第一交易单号进行比对,并将解析后的用户标识与POS发送的POS机标识进行比对;当服务器解析后的用户标识与POS机标识匹配、且第二交易单号与第一交易单号相同时,说明该交易合法,然后服务器将支付信息发送给金融系统(比如银联系统),该支付信息包括之前POS发送的交易密码和交易信息,金融系统判断客户输入的信息是否有误,例如,客户刷卡消费1 O元,则金融系统判断客户的卡号和密码是否正确、卡状态是否正常(比如有没有停卡)以及卡上金额是否大于等于100元,如果金融系统判断客户的卡号和密码正确、卡状态正确并且卡上金额大于等于100元则金融系统发送交易成功的信息给服务器,服务器将该交易成功的信息作为交易结果。 [0075] The first server transaction order number to the terminal under the second single transaction number and parsed before the comparison, and resolves the user identifier and the identifier POS POS machine transmitted for comparison; server when parsing after the user identifier and the POS machine ID matches, the transaction order number and second order number of the first transaction is the same, indicating that the transaction is legitimate, then the server transmits the payment information to a financial system (such as system CUP), prior to the payment information comprises transaction password and transaction information POS sent the financial system determines whether the customer information entered is incorrect, for example, customer credit card spending 1 O yuan, the financial system determines the customer's card number and password are correct, whether the card is the normal state (for example, there is no stop card) and the amount on the card is greater than or equal to 100 yuan, if the financial system determines the customer's card number and the password is correct, the card correctly state the amount on the card and not less than 100 yuan the financial system sent successfully transaction information to the server, the transaction is successful information as a result of the transaction.

[0076]如果服务器解析后的用户标识与POS机标识不匹配,则说明该用户为非法用户,月艮务器将交易失败信息作为交易结果;如果用户标识与POS机标识匹配,但第二交易单号与第一交易单号不相同,服务器将交易单号不正确信息作为交易结果。 [0076] If the server resolves the user identifier and the POS machine IDs do not match, it indicates that the user is an illegal user, that works to monthly transactions will fail information as a result of the transaction; if the user identifier and the POS machine ID matches, but the second transaction single number and a single transaction numbers are not the same as the first, single-server transaction number incorrect information as a result of the transaction.

[0077]需要说明的是,上述服务器向金融系统发送的支付信息都是经过加密处理的,防止客户的信息(比如卡号和密码)泄露,其加密方法可以是采用现有最安全的加密方法,该方法的具体过程为现有技术,在此不再赘述。 [0077] It should be noted that the payment information of the server sends to the financial system are encrypted to prevent customer information (such as card number and password) leaks, its encryption method may be using the most secure encryption method available, the specific process of the prior art method, not described herein again.

[0078]可选的,上述终端获取交易信息的方式可以是通过扫描条码的方式将交易的信息发送到客户端上,终端从客户端上获得交易信息。 [0078] Optionally, the transaction terminal obtains the information may be a way to transmit information to the client by the transaction barcode scanning mode, the transaction terminal obtains the information from the client. 例如,商户使用的终端为智能手机,该智能手机除了上述的功能外还具有扫描条码的功能,当客户想在商户处购买一台电脑A时,如果商户的智能手机中没有电脑A的相关信息,商户可以通过扫描电脑A上的条码将电脑A的相关信息输入到智能手机上,此时当终端接收到服务器发送的第一交易单号后,终端将从智能手机的操作界面上获取关于电脑A的信息(比如电脑A的型号、颜色、价钱等信息);该交易信息也可以是用户手动输入的。 For example, the terminal merchant using smart phones, the smart phone in addition to the above features has barcode scanning function, when a customer wants to buy a computer A at the merchant, if the merchant's smart phone no computer A infos , the merchant may input information to the computer a smartphone by scanning the bar code on the computer a, the case when the terminal receives a first single transaction number sent by the server, the computer terminal obtains on the user interface from the smartphone a's information (such as a computer model, color, price and other information); the transaction information can also be entered manually by the user.

[0079]需要说明的是,POS机向服务器发送的交易报文、POS机标识和交易密码等都是经过加密处理的,防止在传输的过程中信息的泄露。 [0079] Incidentally, the POS transaction message sent to the server, the POS transaction ID and password are encrypted to prevent leakage of information during transmission.

[0080]该步骤通过将服务器解析后的第二交易单号与第一交易单号进行对比,保证了最后支付的交易单号为最初下单的交易单号,防止在整个交易过程中由于人为失误或者机械故障等造成的交易问题。 [0080] This step is carried out by comparing the transaction server to resolve the second single transaction order number and the first number, to ensure that the final payment transaction order number for the first transaction order number of orders and prevent the whole process of the human transaction errors or issues caused by mechanical failure.

[0081] S104、接收所述服务器发送的交易结果。 [0081] S104, the transaction result is sent by the server.

[0082]具体地,终端接收服务器发送的交易结果,并在终端上显示该交易结果,同时终端将该交易结果发送给POS机,在POS机界面上显示交易成功或者交易失败的交易结果。 [0082] In particular, the transaction result sent by a server terminal, and displays the result of the transaction on the terminal, while the terminal sends the result to the POS transaction, the transaction failed or successful transaction display results of the transactions on the POS machine interface. 可选地,服务器还可以直接将交易结果发送给POS机。 Alternatively, the server can also send the results directly to the POS transaction. 客户与POS机用户可以通过终端或者POS机获得交易结果。 Customers and POS machines the user can obtain the results of the transaction through a terminal or POS machine.

[0083]本发明提供的支付方法,将终端与POS机结合,通过终端向服务器发送登录信息和第一安全信息,服务器根据终端发送的登录信息中携带的用户标识和第一安全信息判断登录服务器的用户是否为合法用户,保证了登录服务器的用户为POS机合法用户,解决了现有技术中POS机运营商对POS机用户不能实时监管的问题,同时通过在终端设备上安装或者升级应用,实现了对POS机功能的实时更新,解决了POS机本身功能难以扩展的问题。 [0083] The present invention provides a method of payment, the POS terminal and the binding machine, a first transmitting login information and security information to the server via the terminal, the server determines the user identifier and the login server according to the first security information sent by the terminal information registration carried the user is a legitimate user, to ensure that the user logs on to the server POS machines legitimate users to solve the problems of the prior art in POS machines POS machine operators not real-time monitoring of users, while installed on the terminal device or application upgrades, achieve real-time updates to the POS functions POS machine itself solve the problem difficult to extend functionality.

[0084]可选地,作为本发明实施例的一种可能的实施方式,本实施方式涉及的是终端通过向服务器发送注册信息,使得服务器根据该注册信息建立上述POS机用户信息库的具体过程。 [0084] Optionally, embodiments of the present invention provides a possible embodiment embodiment, the present embodiment relates to a terminal by transmitting registration information to the server so that the server during the establishment of the above-described specific POS user information database according to the registration information . 在图1所示实施例的基础上,在SlOl之前,该方法还可以包括: On the basis of the embodiment shown in FIG. 1 on the SLOL before, the method may further comprise:

[0085] S100:向所述服务器发送注册信息;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 [0085] S100: send the registration information to the server; the registration information includes an identification of the user identifier, the POS machine, the position information of the third terminal, the third image information user and the third user voice information .

[0086]具体地,本发明的服务器可以包括用户系统,用户通过该用户系统登录服务器。 [0086] In particular, the present invention may include a server system user, system user through the user logon server. POS机用户初次登录服务器即用户系统时,POS机用户需要在服务器上进行注册,该注册为实名制注册,即POS机用户在注册时要提供提交对应的商户资质以及商户的身份证等有效证件,同时还得提供其他的注册信息,该注册信息可以包括用户标识、该用户所使用的POS机的标识、终端的第三位置信息、第三用户图像信息和第三用户声音信息或者第三用户指纹信息等,并且设定用户标识与POS机标识绑定。 When the POS user first login server that is user systems, POS machine users need to be registered on the server, which is registered as the real-name registration system, namely the POS user when registering to provide submit business qualifications and business identity cards and other valid documents corresponding, and have to provide the registration information, the registration information may include user identification information identifying a third location, POS machines used by the user terminal, the third user image information and sound information of the user or a third third user fingerprint information and the like, and sets the user identifier and identifies the binding POS machine. 这里的第三位置信息为用户向银行或者POS机运营商申请POS机时登记的位置信息,第三用户图像信息、第三用户声音信息以及第三用户指纹信息为用户向银行或者POS机运营商申请POS机时登记的用户的图像信息、声音信息和指纹信息,该第三用户即为合法的POS机用户。 Location registration information here when the third position for the user to the bank or apply for POS machines POS machine operators, third user image information, sound information, and a third user of the third user fingerprint information for the user to the bank or POS machine operators when applying for registration of POS machine image user information, sound information and fingerprint information, the third user is the legitimate user of POS machines. 服务器将用户提供的用户标识、POS机标识、第三用户图像信息、第三用户声音信息等注册信息存放到POS机用户信息库中,当该注册用户再次登录服务器时,终端向服务器发送登录信息和第一安全信息,服务器根据登录信息中携带的用户标识来判断该用户标识是否与上述POS机用户信息库中POS机的标识匹配,以判断该用户标识是否合法,当用户标识与上述POS机用户信息库中的POS机标识匹配时,说明该用户标识是合法的,服务器再结合上述POS机用户信息库中的对应关系,判断该第一安全信息与POS机用户信息库中保存的POS机用户信息是否匹配,如果匹配则说明登录服务器的用户为合法的POS机用户,如果不匹配,则说明登录服务器的用户为非法用户。 Server user identification provided by the user, POS machine identification, the image information of the third user, the third user registration information stored audio information to the POS user information database, when the registered user login server again, the terminal transmits login information to the server and the first security information, the server according to the user identifier carried in the login information to determine whether the user ID and the above-mentioned user information database POS POS machine identification matching to determine whether the user identification method, when the user identifier and the above-described POS machine when the user repository POS machine identification match, indicating that the user ID is valid, the server combined with the above-described correspondence relationship POS user information database, it is determined that the first security information stored in the user information database POS POS machine whether user information system matches the user logon server is described as legitimate users of POS machines, if not match, then the user login server for unauthorized users.

[0087] 举例说明,商户小张为POS机的合法用户,假设小张的POS机标识为123456,现小张在登录服务器之前,先在服务器上进行注册,小张注册时通过终端向服务器发送了商户资质(例如工商许可证)、身份证(该证件与小张申请POS机时向POS机运营商或者银行递交的信息相同)和用户标识123456(假设用户标识与POS机标识相同),同时发送了当前店面的位置、自己的图像、自己的声音以及自己的指纹等信息,当小张通过终端将上述信息发送给服务器,服务器经检测上述信息无误后,服务器发送注册成功的信息给终端,同时服务器将小张注册时输入的信息保存到POS机用户信息库中。 [0087] illustration, Zhang merchant POS machine for legitimate users, assuming Zhang POS machines identified as 123456, Zhang before login server now first be registered on the server, the server transmits to the terminal via registration Zhang the business qualification (such as industrial and commercial license), ID (Zhang information when applying for the documents submitted to the POS machine POS machine operators or banks and the same) and user identification 123456 (assuming the same user ID and POS machine identification), while transmitting the current position of the store, his image, as well as their own voice information such as a fingerprint, Zhang when transmitting said information to the server via the terminal, after detecting the server information is correct, the server sends registration information to the terminal successfully, while the server saves the information entered during registration of Zhang to the POS user repository. 当小张下次登录服务器时,小张通过终端向服务器发送登录信息,即向服务器输入用户标识123456,服务器结合POS机用户信息库判断该用户标识与POS机标识123456对应匹配,则服务器确定该用户标识合法,接着服务器要求终端输入第一安全信息,比如用户的图像信息,则小张通过终端向服务器输入自己的图像,服务器根据小张输入的图像结合POS机用户信息库判断小张输入的图像与POS机标识123456相对应,则说明小张是该POS机的合法用户,容许登录服务器。 When the next log server Zhang, Zhang sends the login information to the server via the terminal, the server also enter a user ID 123456, incorporated POS server repository determines that the user information and the user ID corresponding to 123456 POS machine identification matches, the server determines that the user identification method, then the first input terminal server requires security information, such as the user's image information, the image Zhang their input through the terminal to the server, in conjunction with the POS server repository determines Zhang user input from the image input Zhang image and identity 123456 corresponding POS machine, then Zhang is a legitimate user of the POS machines allow login server.

[0088]本发明提供的支付方法,通过用户在服务器上注册来获得POS机用户的信息,将用户注册信息保存到POS机用户信息库中,在用户登录服务器时根据终端发送的登录信息和安全信息与POS机用户信息库中的信息进行匹配,判断登录服务器的用户是否为POS机合法用户,实现了对POS机的实时监管,防止POS机的非法使用。 [0088] The payment method of the present invention provides to obtain the POS machine user via the user registered on the server, and save the user registration information to the POS user information database, when the user logs in the server according to the login information sent by the terminal and security information matches the information in the POS user repository, login server to determine whether the user is a legitimate user POS machines to achieve real-time monitoring of POS machines, to prevent the illegal use of POS machines.

[0089]图2为本发明提供的支付方法实施例二的流程示意图,本实施例的方法可以应用于服务器,本实施例涉及的方法是通过服务器在接收到终端发送的登录信息、第一安全信息以及相应的交易报文,来实现对POS机监管的具体过程。 Flowchart of a method according to the second method of payment [0089] FIG. 2 embodiment of the present invention provides, according to the present embodiment may be applied to a server, the method according to this embodiment is received by the server the login information transmitted from the terminal, a first safety information packets and the corresponding transaction to achieve the specific process of POS machines regulation. 如图2所示,本发明的支付方法可以包括: As shown, the payment method of the present invention shown in Figure 2 may include:

[0090] S201、接收终端发送的登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括所述终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户。 [0090] S201, the first security information and login information sent by a terminal, the login information carries the user identifier, the first security information comprises first location information of the terminal, the image information of the first user, the first user's voice information of at least one of the first security information indicating the server first determines whether the user is a legitimate user.

[0091]需要说明的是,用户在初始登录服务器时,用户需要向服务器输入用户标识,该用户标识与用户的POS机标识相适配,即一个POS机标识对应着一个用户标识,其中POS机标识可以为POS机终端号。 [0091] Incidentally, when the initial user login server, the user needs to enter a user ID to the server, the user identifier and the user identifier is adapted POS machine, i.e. a POS machine identifier corresponds to a user identifier, wherein the POS It may be a POS terminal identification number. 同时,在服务器中可以包括用于保存POS机用户信息的POS机用户信息库。 Meanwhile, the server may comprise a user information database stored POS POS machine user information.

[0092]可选地,服务器保存在POS机用户信息库中的信息,可以是POS机用户在申请POS机时在POS机运营商处保存的信息或者在银行系统保存的信息,服务器将该信息汇总建立了POS机用户信息库。 [0092] Alternatively, the POS server stored in the user information database information, the user may be stored in the POS POS machine operator at the time the POS application information or the information held in the banking system, the information server summary established POS machine user repository. 可选的,该POS机用户信息库中可以包括不同的POS机标识、不同的合法用户标识以及不同的安全信息之间的对应关系,一个POS机标识对应一个用户标识,一个用户标识对应一个安全信息。 Optionally, the POS user information database may include different POS machine identifier, a correspondence between the identification of different legitimate users and different security information, a POS machine identifier corresponding to a user identifier, a user identifier corresponding to a safe information. 该安全信息可以是POS机用户的位置信息、图像信息、声音信息、指纹信息等可以辨认POS机用户身份的信息。 The security information may be information POS machine can identify the location of the user identity information, image information, sound information, fingerprint information such as user POS machines. 需要说明的是,上述POS机用户信息库中的POS机标识均为合法的POS机的标识。 It should be noted that the above user repository POS machines POS machines logo are legitimate identity of POS machines.

[0093]具体地,服务器接收终端发送的登录信息和第一安全信息,该登录信息中携带有用户标识,该用户标识与POS机标识相匹配,服务器可以判断该用户标识是否与上述POS机用户信息库中POS机的标识匹配,以判断该用户标识是否合法。 [0093] Specifically, the first security information and login information sent by a terminal server, the login message carries a user identifier, the user identifier and the POS machine identification matches the server may determine whether the user identifier and the user above the POS POS machine identification information matching database to determine whether the user identity is legal. 当用户标识与上述POS机用户信息库中的POS机标识不匹配时,则说明该用户不是POS机用户,即为违法用户,不容许登录服务器,服务器返回登录失败的信息给终端;当用户标识与上述POS机用户信息库中的POS机标识匹配时,说明该用户标识是合法的,但不能确认使用该用户标识的用户是否是与该用户标识匹配的POS机用户(即要判断使用该合法的用户标识的用户是否是合法的POS机用户),此时为了防止合法的POS机用户将服务器发送的用户标识转移给其他用户,导致登录服务器的用户不是合法的POS机用户本人,使得POS机运营商无法对POS机的合法使用进行实时监管,此时服务器还可以要求终端输入第一安全信息,该第一安全信息可以是终端的第一位置信息、第一用户图像信息、第一用户声音信息或者第一用户的指纹信息等,本发明对第一安全信息的种类不做限 When the user ID and the above-mentioned user information database POS POS machine IDs do not match, then the user is not the POS user, that is, illegal users, does not allow the login server, the server returns the terminal information registration failure; when a user identification and when said POS machine user repository POS machine identification match, indicating that the user ID is valid, but can not be confirmed using the user for the user ID whether the user ID matches the POS machine user (i.e., to be determined using the legitimate whether the user is a legitimate user identification POS machine user), this time in order to prevent legitimate users of the POS server sends the user identifier transferred to other users, leading to user login server is not a legitimate user himself POS machines, POS machines making operators can not be real-time monitoring of the legitimate use of POS machines, which the server can also require input terminal of the first security information, security information may be the first terminal of the first location information of the first user image information of the first user voice fingerprint information of the first user information or the like, the first security information type of the present invention is not limited ,只要可以验证第一用户的身份信息即可(该第一用户为此时登录服务器的用户),服务器根据终端发送的第一安全信息判断登录服务器的第一用户是否为合法用户。 Long as it can verify the identity information to a first user (the first user then the user's login server), the server according to a first user of the first security information registration server determines whether the terminal transmits a legitimate user.

[0094] 进一步地,服务器要求终端向服务器发送第一安全信息,比如服务器要求终端输入用户的图像,此时第一用户将自己的图像信息通过终端发送给服务器,如果终端为智能手机则用户可以通过智能手机的拍照功能将自己的头像发送到服务器中,服务器结合上述POS机用户信息库中的对应关系,判断该第一用户图像信息与当前登录的用户标识(当前登录的用户标识经过上述判断为合法用户标识)对应的POS机用户的图像是否匹配。 [0094] Further, a first server request terminal transmits security information to the server, such as server requires the user image input terminal, while the first user's own image information sent to the server via the terminal, if the terminal is a smart phone, the user can will be sent via the smartphone's camera own avatar to the server, the server in conjunction with the corresponding relationship between the POS machine user repository, determining whether the first image information and user currently logged on user identification (currently logged on user identity through the judgment as a legitimate subscriber identity) whether the POS user corresponding to the image matching. 如果终端发送的第一用户图像与该POS机用户图像匹配,则说明登录服务器的用户为该POS机的合法使用者,即该第一用户为合法用户;如果不匹配,则说明第一用户为非法用户,服务器不允许该非法用户登录服务器,即用户登录失败,用户不能使用POS机进行相应的交易。 If the first user terminal transmits the image to the image matching the POS user, then the user logs in the server for the POS machine legitimate user, i.e. the first user valid; if not match, the user is first unauthorized users, the server does not allow unauthorized users from logging server, that user login fails, the user can not use the POS machine corresponding transaction. 也就是说,服务器可以将终端发送的第一安全信息与服务器中的POS机用户信息库中的合法用户的信息进行比对,以此来确认当前登录服务器的用户是否为POS机用户信息库中保存的POS机用户,防止非法用户登录服务器,避免POS机的违法使用。 That is, the server can be the first security information to the server in the POS terminal sends the user information database of legitimate users to compare information in order to confirm whether the user is currently logged on the server for the POS machine user repository save the POS machine users to prevent unauthorized users from logging server, to avoid illegal use of POS machines.

[0095]可选地,当服务器判断登录的第一用户为非法用户时,服务器可以将该判断信息发送给POS机运营商,POS机运营商根据服务器发送的信息对该POS机用户进行罚款或者停止使用POS机等处罚,实现了POS机运营商对POS机使用的实时监管,防止POS机的违法使用。 [0095] Alternatively, when the first user is logged on the server determines illegal user, the server can send the information to the POS machine Analyzing operators, machine operators to fine POS POS machine user according to the information sent by the server, or stop using POS machines and other punishment, to achieve real-time monitoring of POS machines POS machine operators use to prevent the illegal use of POS machines.

[0096] S202、当所述第一用户为合法用户时,根据所述用户标识向所述终端发送第一交易单号。 [0096] S202, when the first user as a legitimate user, transmitting the transaction order number to the first terminal according to the user identifier.

[0097]具体地,当服务器判断第一用户为合法用户后,根据该用户标识向终端发送第一交易单号,该第一交易单号是服务器根据用户标识随机生成的或者是按照某种预设规则生成的。 [0097] Specifically, when the server determines that the first user as a legitimate user, according to the user identifier transmitted to the terminal a first transaction order number, the order number is the first transaction server according to the user ID is generated randomly or according to some pre- set rules generated.

[0098]可选地,服务器还可以包括交易平台,上述第一交易单号可以在交易平台上完成。 [0098] Alternatively, the server may further include a transaction platform, the first transaction number may be done on a single trading platform.

[0099]服务器向终端发送第一交易单号,终端接收到服务器发送的第一交易单号后,向POS机发送交易报文,该交易报文包括上述合法化的用户标识、终端所获得的交易信息以及第二交易单号,该交易信息包括交易类型、交易金额等,其中交易类型可以为转账、查询等,接着终端按照与POS机之间的协议将该交易报文发送给POS机。 After [0099] The first server sends the transaction order number to the terminal, the first terminal receives a single transaction number sent by the server, sends a transaction message to the POS machine, the transaction packet includes the above legalizing user identification, terminal obtained a second transaction information and the transaction order number, the transaction information includes a transaction type, transaction amount, transaction type which may be a transfer, query, then the terminal in accordance with the agreement between the POS transaction packet to the POS machine. POS机接收到交易报文后在POS机界面上显示相关交易信息,比如交易金额,此时需要客户对上述交易信息进行确认,当客户对交易信息中的交易类型、交易金额等信息的确认后,客户在POS机上输入确认指示,比如刷卡,接着POS机将上述交易报文、POS机标识以及交易密码等信息一起发送给服务器。 After receiving the POS transaction message display information related to the POS transaction machine interface, such as the transaction amount, the customer need at this time to confirm the transaction information described above, when a customer transaction information confirmation message transaction type, transaction amount after customer enters acknowledge indication on the POS machine, such as credit card, and then sent to the POS server together with transaction information of the packet, the POS transaction ID and password.

[0100]需要说明的是,服务器接收的POS机发送的交易报文、POS机标识和交易密码等都是经过加密处理的,防止在传输的过程中信息的泄露。 [0100] Incidentally, the transaction server receives the message sent by a POS, the POS transaction ID and password are encrypted to prevent leakage of information during transmission.

[0101] S203、接收销售终端POS机发送的交易报文、所述POS机的标识和交易密码,所述交易报文包括所述用户标识、第二交易单号和所述终端获取的交易信息。 [0101] S203, the POS terminal to receive sales transactions transmitted packets, said POS machine ID and password transaction, the transaction message includes a transaction identification information of the user, and the second transaction order number obtained by the terminal .

[0102]具体地,服务器接收POS机发送的交易报文、POS机标识和交易密码,其中交易报文包括上述用户标识、第二交易单号和终端获取的交易信息。 [0102] Specifically, the server sends the received POS packet transaction, the POS transaction ID and password, wherein the transaction message includes user identification information of the transaction, the transaction order number and the second terminal acquired.

[0103] S204、对所述交易报文进行解析处理,并在根据解析后的交易报文和所述POS机的标识判断当前的交易业务合法时,向金融系统发送支付信息,所述支付信息中包括所述交易密码和所述交易信息。 [0103] S204, the transaction packet parsing, and determine the current legitimate business transaction, send payment information to the financial system based on the identity transaction message parsed and the POS machine, the payment information the transaction includes the password and transaction information.

[0104]具体地,服务器接收到POS机发送的交易报文、POS机标识和交易密码后,对POS机发送的信息进行解析处理,解析出用户标识、第二交易单号和交易信息等,接着服务器将解析后的第二交易单号与之前下发给终端的第一交易单号进行比对,并将解析后的用户标识与POS发送的POS机标识进行比对;当服务器解析后的用户标识与POS机标识匹配、且第二交易单号与第一交易单号相同时,说明该交易合法,然后服务器将支付信息发送给金融系统(比如银联系统),该支付信息包括之前POS发送的交易密码和交易信息,金融系统判断客户输入的信息是否有误,并将交易结果发送给服务器。 [0104] Specifically, the server sends the received POS packet transaction, the POS transaction ID and password, the information sent by the POS machine analysis processing, analyzing the user identifier, the second single transaction number and transaction information, then the server to the terminal of the first transaction order number for comparison with a second single transaction number previously parsed, the parsed and the user identifier transmitted to the POS machine POS identifier for comparison; when the server parsed POS machine ID and user ID matches, the transaction order number and second order number of the first transaction is the same, indicating that the transaction is legitimate, then the server transmits the payment information to a financial system (such as system CUP), which comprises a POS payment information prior to transmission the transaction password and transaction information, financial information systems to determine whether the customer entered is incorrect, and the transaction results are sent to the server. 例如,客户刷卡消费100元,则金融系统判断客户的卡号和密码是否正确、卡状态是否正常(比如有没有停卡)以及卡上金额是否大于等于100元,如果金融系统判断客户的卡号和密码正确、卡状态正确并且卡上金额大于等于100元则金融系统发送交易成功的信息给服务器,服务器将该交易成功的信息作为交易结果。 For example, customer credit card spending 100 yuan, the financial system determines the customer's card number and password are correct, whether the card is the normal state (for example, there is no stop card) and whether the amount on the card is greater than or equal to 100 yuan, if the financial system determines the customer's card number and password correctly state the correct card and the card amount not less than 100 yuan the financial system sent successfully transaction information to the server, the success of the transaction information as a result of the transaction.

[0105]如果服务器解析后的用户标识与POS机标识不匹配,则说明该用户为非法用户,月艮务器将交易失败信息作为交易结果;如果用户标识与POS机标识匹配,但第二交易单号与第一交易单号不相同,服务器将交易单号不正确信息作为交易结果。 [0105] If the server resolves the user identifier and the POS machine IDs do not match, it indicates that the user is an illegal user, that works to monthly transactions will fail information as a result of the transaction; if the user identifier and the POS machine ID matches, but the second transaction single number and a single transaction numbers are not the same as the first, single-server transaction number incorrect information as a result of the transaction.

[0106]进一步地,服务器将该交易结果发送给终端,终端再将该交易结果发送给POS机,或者服务器将交易结果直接发送给POS机,客户与POS机用户通过POS机界面或者终端获得本次交易的结果。 [0106] Further, the transaction server transmits the result to the terminal, the terminal then sends the result to the POS transaction, or the transaction server transmits the result directly to the POS, the POS client and present the user obtained by the POS terminal interface or the results of the transaction.

[0107]需要说明的是,上述服务器向金融系统发送的支付信息都是经过加密处理的,防止客户的信息(比如卡号和密码)泄露,其加密方法可以是采用现有最安全的加密方法,该方法的具体过程为现有技术,在此不再赘述。 [0107] It should be noted that the payment information of the server sends to the financial system are encrypted to prevent customer information (such as card number and password) leaks, its encryption method may be using the most secure encryption method available, the specific process of the prior art method, not described herein again.

[0108]该步骤通过将服务器解析后的第二交易单号与第一交易单号进行对比,保证了最后支付的交易单号为最初下单的交易单号,防止在整个交易过程中由于人为失误或者机械故障等造成的交易问题。 [0108] This step is carried out by comparing the transaction server to resolve the second single transaction order number and the first number, to ensure that the final payment transaction order number for the first transaction order number of orders and prevent the whole process of the human transaction errors or issues caused by mechanical failure.

[0109]本发明的支付方法,通过服务器根据终端发送的登录信息中携带的用户标识和第一安全信息判断登录服务器的用户是否为合法用户,保证了登录服务器的用户为POS机合法用户,解决了现有技术中POS机运营商对POS机用户不能实时监管的问题。 [0109] The method of the present invention the payment is determined by the login server according to the user identifier and the first server security information terminal transmits login information carried in the user is a legal user, the login server to ensure that the user is a legitimate user POS machine, to solve the problem in the art POS machines POS machine operators real-time monitoring of users can not.

[0110]图3为本发明提供的支付方法实施例三的信令流程图,在上述实施例的基础上,如图3所示,本实施的支付方法表示出了终端、服务器以及POS机之间的交互过程,包括: A signaling flowchart according to a third [0110] FIG. 3 provides a payment method of the present embodiment of the invention, in the above embodiment, as shown in FIG 3, the present embodiment shows the method of payment terminal, and the server of the POS machine interaction between, including:

[0111] S301、终端发送注册信息。 [0111] S301, the terminal transmits registration information.

[0112] S302、服务器接收注册信息,并根据注册信息建立POS机用户信息库。 [0112] S302, the server receives the registration information, and the establishment of the POS user repository based on the registration information.

[0113] S303、终端向服务器发送登录信息和第一安全信息。 [0113] S303, the terminal transmits login information to the server and the first security information.

[0114]所述登录信息中携带用户标识,所述第一安全信息包括终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户。 [0114] The login information carries the user identifier, the first security information comprises location information of a first terminal, the image information of the first user, the first user's voice message in at least one of the first security information is used indicating that the first server determines whether the user is a legitimate user.

[0115] S304、服务器接收终端发送的登录信息和第一安全信息。 [0115] S304, the first security information and login information sent by a terminal server.

[0116] S305、服务器判断第一用户是否为合法用户。 [0116] S305, the server first determines whether the user is a legitimate user.

[0117] S306、当服务器判断第一用户为合法用户时,根据所述用户标识向所述终端发送第一交易单号。 [0117] S306, when the server is determined as a legitimate user of the first user, send a first transaction order number to the terminal according to the user identifier.

[0118] S307、终端接收所述服务器发送的第一交易单号。 [0118] S307, the first terminal receiving the transaction order number sent by the server.

[0119] S308、终端向POS机发送交易报文。 [0119] S308, the terminal sends a transaction message to the POS machine.

[0120] S309、P0S机将交易报文、POS标识和交易密码发送至所述服务器。 [0120] S309, P0S packet transaction machine, POS transaction ID and password to the server.

[0121]其中,所述交易报文包括所述用户标识、第二交易单号和所获取的交易信息。 [0121] wherein the transaction message comprises the user identifier, the second single transaction number and transaction information acquired.

[0122] 具体地,上述S301至S309的具体过程,可以参照上述实施例一中的具体描述,在此不再赘述。 [0122] Specifically, the above-described processes S301 to S309, specifically, the above-described embodiments may be described with reference to specific example 1, and are not repeated here.

[0123] S310、服务器接收POS机发送的交易报文、所述POS机的标识和交易密码。 [0123] S310, the server sends the received POS packet transaction, the POS machine identification and transaction password.

[0124] S311、服务器对所述交易报文进行解析处理,获得所述交易报文中的所述第二交易单号,并判断所述第二交易单号是否与所述第一交易单号相同,以及根据预设的映射关系判断所述POS机的标识是否与所述用户标识匹配;当所述第二交易单号与所述第一交易单号相同,且所述POS机的标识与所述用户标识匹配时,确定所述交易业务合法。 [0124] S311, the transaction server for packet analysis processing to obtain said second transaction message transaction order number, and determining whether the second transaction order number and the first transaction order number the same, and whether the identification of the POS machine identification matching with the user according to the preset mapping relationship determination; if the second transaction order number and the first number the same as a single transaction, and the identification of the POS machine when the user identifier matching determining the legitimate business transaction.

[0125]该步骤通过将服务器解析后的第二交易单号与第一交易单号进行对比,保证了最后支付的交易单号为最初下单的交易单号,防止在整个交易过程中由于人为失误或者机械故障等造成的交易问题。 [0125] This step is carried out by comparing the transaction server to resolve the second single transaction order number and the first number, to ensure that the final payment transaction order number for the first transaction order number of orders and prevent the whole process of the human transaction errors or issues caused by mechanical failure. 该步骤的具体过程可以参见上述实施例一中的S103的具体描述,在此不再赘述。 The specific process of step S103 may refer to the specific embodiments described in the embodiment a, which is not repeated herein.

[0126]可选地,本实施例的支付方法,当所述交易信息中的交易金额小于等于预设金额时,执行S315;当所述交易信息中的交易金额大于预设金额时,为了进一步确保支付的安全性,执行S312至S314,其中S312至S314具体为: When [0126] Alternatively, payment method according to the present embodiment, when the transaction information in a transaction amount is less than equal to a predetermined amount, performing S315; when the transaction information is transaction amount is greater than a predetermined amount, in order to further to ensure the security of payment, execute S312 to S314, S312 to S314 which specifically:

[0127] S312、当所述交易信息中的交易金额大于预设金额时,服务器向所述终端发送安全请求。 [0127] S312, when the transaction information is transaction amount is greater than a predetermined amount, the security server sends a request to the terminal.

[0128] S313、终端接收到该安全请求后,向服务器发送第二安全信息。 [0128] S313, the terminal receives the secure request, transmitting the second security information to the server.

[0129]其中,第二安全信息包括终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个,所述第二安全信息用于指示所述服务器判断第二用户是否为合法用户。 [0129] wherein the second security information comprises location information of a second terminal, the image information of the second user, the second user's voice information to at least one of said second security information for instructing the second server determines whether the user as a legitimate user.

[0130] S314、服务器接收所述终端发送的第二安全信息,判断第二用户是否为合法用户。 [0130] S314, the server receives the second security information transmission terminal, it is determined whether the second user is a legitimate user.

[0131]具体地,当交易信息中的交易金额较大,大于服务器设定的最大交易金额时,比如一万元,此时为了防止POS机合法用户登录服务器后,将POS机转给非法用户使用,导致最后完成交易的用户不是POS机的合法使用者,造成POS机的非法使用,此时服务器向终端发送安全请求,以请求终端再次发送安全信息(该安全信息即为下述的第二安全信息);终端接收到该安全请求后向服务器发送第二安全信息,其中第二安全信息包括终端的第二位置信息、第二用户图像信息、第二用户声音信息等,服务器接收到终端发送的第二安全信息后,将该第二安全信息与服务器中的POS机用户信息库中的该POS机的合法用户信息进行比对,以判断此时使用POS机的第二用户是否为POS机合法用户,具体的实现过程可以参考上述SOl,在此不再赘述。 [0131] In particular, when a large amount of the transaction transaction information, transaction amount is greater than the maximum set by the server when, for example, $ 10,000 at this time for the POS machines legitimate user login server to prevent, POS machines will be transferred to unauthorized users use, leading to the finalization of the legitimate user is not a user of the POS transaction, resulting in the illegal use of POS machines, in which case the security server sends a request to the terminal, the terminal sends a request to the security information (security information that is following the second again security information); the terminal after receiving the request to send security information to the second security server, wherein the second security information comprises location information of a second terminal, the image information of the second user, the second user's voice information, the server receives the terminal transmits second security information, the information of the legitimate user of the POS second security information in the POS server user repository for comparison, a second user to determine at this time whether to use the POS machine POS machine the legitimate user, the specific implementation process, reference may SOl above, are not repeated here. 当服务器判断第二用户为刚开始登录服务器的第一用户(S卩POS机的合法用户)时,说明此时使用POS机的用户为POS机的合法使用者,服务器将支付信息发送给金融系统。 When the server determines that the second user is the beginning of the first user logon server (S Jie legitimate users of POS machines), indicating that the user at this time to use POS machines POS machines to legitimate users, the server will send a message to the payment of the financial system .

[0132]可选地,如果服务器判断该第二用户不是第一用户(即不是POS机的合法用户),服务器将该判断信息发送给POS机运营商,POS机运营商对该POS机用户执行罚款或没收POS机等处罚,防止POS机的违法使用。 [0132] Alternatively, if the server determines that the second user is not the first user (i.e., user is not a valid POS machine), the server determines the information to the POS machine operators, machine operators performing the POS POS machine user fines or confiscation of POS machines and other penalties to prevent illegal use of POS machines.

[0133]执行上述S314之后,当服务器判断第二用户为合法用后,执行S315;当服务器判断第二用户为非法用户后,执行S318,同时服务器向终端发送交易失败的交易结果。 [0133] After performing the above-described S314, when the server is determined as valid by the second user, performing S315; if the server determines that the second user is an illegal user, performing S318, while the result of the transaction server sends the transaction to the terminal failure.

[0134] S315、服务器向金融系统发送支付信息。 [0134] S315, the server sends payment information to the financial system.

[0135]其中,所述支付信息中包括所述交易密码和所述交易信息。 [0135] wherein said payment information includes a transaction password and the transaction information.

[0136] S316、金融系统接收到支付信息后,判断所述支付信息是否正确。 [0136] S316, after receiving the financial system, the payment information, the payment information is correct is determined.

[0137]具体地,金融系统与服务器连接,金融系统接收到支付信息后,判断客户的支付信息是否正确,例如,客户刷卡消费,则金融系统根据支付信息判断客户的卡号与密码是否正确,卡的状态是否正确以及卡上的余额是否满足支付额度等,当金融系统判断上述支付信息正确后,金融系统以交易成功作为交易结果发送给服务器;当金融系统判断上述支付信息不正确(即密码错误、卡上余额不足等)后,金融系统以交易失败作为交易结果发送给服务器。 [0137] In particular, the financial system is connected to the server, the financial system after receiving the payment information to determine the customer's payment information is correct, for example, customer credit card spending, the financial system is correct based on the payment information to determine the customer's card number and password, card whether the state correctly and whether the balance on the card to meet the payment amount, etc., when the financial system is determining whether the payment information is correct, the financial system in order to deal successfully sent to the server as a trading result; when the financial system is determining whether the payment information is not correct (that is, the password is wrong after the lack of balance on the card, etc.), the financial system failed to send transactions to the server as a result of the transaction. 其中金融系统可以是银行系统,也可以是合法的第三方金融机构的金融系统。 In which the financial system may be banking system, it can be a legitimate third-party financial institution's financial system.

[0138] S317、服务器接收金融交易系统发送的交易结果。 [0138] S317, the server receives financial transaction system sends the transaction results.

[0139] S318、服务器向终端发送交易结果。 [0139] S318, the server sends the transaction results to the terminal.

[0140]具体地,服务器接收金融系统发送的交易并将该交易结果发送给终端,终端再将交易结果发送给POS机,或者服务器直接将交易结果发送给POS机,客户与POS机用户可以通过POS机或者终端获得本次交易的结果。 [0140] Specifically, the server system receives the transmitted transaction and the financial transaction result to the terminal, the terminal then transmits the result to the POS transaction, or the transaction server directly sends the result to the POS, the POS client and the user can the POS terminal or get the results of this transaction.

[0141]本发明实施例的支付方法,通过用户注册信息建立POS机用户信息库,服务器根据终端发送的登录信息和第一安全信息判断登录服务器的用户是否为POS机的合法用户,同时当交易金额大于预设值时,服务器要求终端输入第二安全信息,判断此时交易的用户是否为POS机的合法用户,进一步地实现了对POS机使用的实时监管,防止POS机的违法使用。 [0141] payment method according to an embodiment of the present invention, the POS user database established by the user registration information, user login information server according to the transmission terminal and the first security information to determine whether the login server POS machines legitimate user, while when the transaction when the amount is greater than the preset value, a second input terminal server requires security information to determine whether the transaction at this time the user is a legitimate user POS machines, and further realize the real-time monitoring of the use of POS machines, to prevent the illegal use of POS machines.

[0142]图4为本发明提供的支付装置实施例一的结构示意图,本实施例的提供的支付装置可以集成在终端中,也可以为单独的终端,如图4所示,本实施的支付装置包括:发送模块10和接收模块11。 Schematic diagram of a structure of [0142] FIG. 4 payment device of the present invention provides embodiments, the payment device of the present embodiment provides may be integrated in the terminal, the terminal may be separate, as shown in FIG. 4, the present embodiment paying apparatus comprising: a receiving module 10 and transmitting module 11.

[0143]发送模块10,用于向服务器发送登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户。 [0143] The sending module 10, configured to send a first security information and the log information to the server, the login information carries the user identifier, the first security information comprises location information of a first terminal, a first user image information, the first a user's voice information to at least one of the first security information indicating the server first determines whether the user is a legitimate user.

[0144]接收模块11,用于接收所述服务器在判断所述第一用户为合法用户后、根据所述用户标识发送的第一交易单号。 [0144] The receiving module 11, configured to receive said server after determining that the first user as a legitimate user, the user identifier according to a first transaction order number transmitted.

[0145]上述发送模块10,还用于向销售终端POS机发送交易报文,以使所述POS机将所述交易报文发送至所述服务器进行解析处理;所述交易报文包括所述用户标识、第二交易单号和所获取的交易信息。 [0145] The sending module 10 is further configured to send the transaction message to the sales terminal POS, POS machine to cause the packet to the transaction server for the analysis process; the transaction message comprises the user ID, the second single transaction numbers and transaction information acquired.

[0146]上述接收模块11,还用于接收所述服务器发送的交易结果。 [0146] The receiving module 11 is further configured to receive the transaction result sent by the server.

[0147]本实施例提供的支付装置,可以用于执行上述方法实施例的技术方案,其实现原理和技术效果类似,此处不再赘述。 [0147] The present embodiment the payment means provided, the method may be used to perform the above technical solutions of the embodiments, implementation principles and technical effects are similar, are not repeated herein.

[0148]进一步地,发送模块10,还用于在所述接收模块11接收到所述服务器发送的安全请求时,向所述服务器发送第二安全信息;所述第二安全信息包括终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个,所述第二安全信息用于指示所述服务器判断第二用户是否为合法用户。 [0148] Further, the transmitting module 10 is further configured to, when the receiving module 11 receives the secure request sent by the server, transmitting the second security information to the server; the second security information comprises a first terminal two position information, the image information of the second user, the second user's voice information to at least one of said second security information for instructing the second server determines whether the user is a legitimate user.

[0149]进一步地,发送模块10,还用于在向服务器发送登录信息和第一安全信息之前,向所述服务器发送注册信息;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 [0149] Further, the sending module 10 is further configured to log on to the server before sending the first information and the security information, sends the registration information to the server; the registration information includes an identification of the user identifier, the POS machine , location information of the third terminal, the third user image information and sound information of the third user.

[0150]本实施例提供的支付装置,可以用于执行上述方法实施例的技术方案,其实现原理和技术效果类似,此处不再赘述。 [0150] The present embodiment the payment means provided, the method may be used to perform the above technical solutions of the embodiments, implementation principles and technical effects are similar, are not repeated herein.

[0151]图5为本发明提供的支付装置实施例二的结构示意图,本实施例提供的支付装置可以集成在服务器中,也可以为服务器,如图5所示,本实施的支付装置包括:接收模块20、发送模块21和处理模块22。 Schematic structural diagram II [0151] FIG 5 provides payment device of the present embodiment of the invention, the payment device of the present embodiment may be provided in the integrated server may be a server, shown in Figure 5, the present embodiment the payment means comprises: a receiving module 20, a sending module 21 and a processing module 22.

[0152]接收模块20,用于接收终端发送的登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括所述终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户。 [0152] a receiving module 20, to the first security information and login information sent by a terminal, the login information carries the user identifier, the first security information comprises first location information of the terminal, a first user image information, the first user's voice message in at least one of the first security information indicating the server first determines whether the user is a legitimate user.

[0153]发送模块21,用于当所述第一用户为合法用户时,根据所述用户标识向所述终端发送第一交易单号。 [0153] The sending module 21, configured to, when the first user is a legitimate user, transmitting the transaction order number to the first terminal according to the user identifier.

[0154]上述接收模块20,还用于接收销售终端POS机发送的交易报文、所述POS机的标识和交易密码,所述交易报文包括所述用户标识、第二交易单号和所述终端获取的交易信息。 [0154] The receiving module 20 is further configured to receive sales transaction message sends the POS terminal, the POS machine ID and password transaction, the transaction message comprises the user identifier, the transaction order number and the second said transaction information obtained by the terminal.

[0155]处理模块22,用于对所述交易报文进行解析处理,并根据解析后的交易报文和所述POS机的标识判断当前的交易业务是否合法。 [0155] The processing module 22, configured to parse the transaction process message, and determines based on the identification packet parsed transaction and the current transaction POS machine business is legitimate.

[0156]上述发送模块21,还用于在所述处理模块22根据解析后的交易报文和所述POS机的标识判断当前的交易业务合法时,向金融系统发送支付信息,所述支付信息中包括所述交易密码和所述交易信息。 [0156] The sending module 21 is further configured to determine whether the current transaction 22 in accordance with legitimate business transaction identifier parsed packet and the processing of the POS machine module, transmits payment information to the financial system, the payment information the transaction includes the password and transaction information.

[0157]本实施例提供的支付装置,可以用于执行上述方法实施例的技术方案,其实现原理和技术效果类似,此处不再赘述。 [0157] The present embodiment the payment means provided, the method may be used to perform the above technical solutions of the embodiments, implementation principles and technical effects are similar, are not repeated herein.

[0158]图6为本发明提供的支付装置实施例三的结构示意图,在上述图5所示实施例的基础上,进一步地,上述处理模块22包括:解析单元221、判断单元222、确定单元223。 Schematic structural diagram of [0158] FIG. 6 payment device of the present invention provides according to a third embodiment, on the basis of the above-described embodiment shown in FIG. 5, the further the processing module 22 comprises: a parsing unit 221, determining unit 222, determination unit 223.

[0159]其中,解析单元221,用于对所述交易报文进行解析处理,获得所述交易报文中的所述第二交易单号。 [0159] wherein the parsing unit 221, configured to parse the transaction message processing, the transaction obtaining the second packet transaction order number.

[0160]判断单元222,用于判断所述第二交易单号是否与所述第一交易单号相同,以及根据预设的映射关系判断所述POS机的标识是否与所述用户标识匹配。 [0160] determination unit 222 for determining whether the second transaction order number and the first number the same as a single transaction, and if the user identifier matches the identifier in accordance with a predetermined mapping relationship determination of the POS machine.

[0161 ]确定单元223,用于在所述判断单元222判断所述第二交易单号与所述第一交易单号相同,且所述POS机的标识与所述用户标识匹配时,确定所述交易业务合法。 [0161] determination unit 223 for determining when the means 222 determines that the second transaction order number and the first number the same as a single transaction, and the POS machine identification matching with the user identifier, determining said legitimate business transaction.

[0162]本实施例提供的支付装置,可以用于执行上述方法实施例的技术方案,其实现原理和技术效果类似,此处不再赘述。 [0162] The present embodiment the payment means provided, the method may be used to perform the above technical solutions of the embodiments, implementation principles and technical effects are similar, are not repeated herein.

[0163]进一步地,发送模块21,还用于当所述交易信息中的交易金额大于预设金额时,向所述终端发送安全请求;所述接收模块20,还用于接收所述终端发送的第二安全信息,所述第二安全信息包括所述终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个。 [0163] Further, the sending module 21 is further configured to, when the transaction amount is greater than a predetermined transaction amount information, send a secure request to the terminal; the receiving module 20 is further configured to receive the transmission terminal second security information, the second security information comprises second location information of the terminal, the image information of the second user, the second user's voice in at least one of information.

[0164]可选地,接收模块20,还用于在接收终端发送的登录信息之前,接收所述终端发送的注册信息,并根据所述注册信息建立所述映射关系;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 [0164] Alternatively, the receiving module 20 is further configured to log information received prior to the transmission terminal, receiving registration information sent by the terminal, and establishing the mapping relation according to the registration information; registration information includes the said user identifier, identifying the POS machine, the third position information of the terminal, the user of the third image information and sound information of the third user.

[0165]本实施例提供的支付装置,可以用于执行上述方法实施例的技术方案,其实现原理和技术效果类似,此处不再赘述。 [0165] The present embodiment the payment means provided, the method may be used to perform the above technical solutions of the embodiments, implementation principles and technical effects are similar, are not repeated herein.

[0166]最后应说明的是:以上各实施例仅用以说明本发明的技术方案,而非对其限制;尽管参照前述各实施例对本发明进行了详细的说明,本领域的普通技术人员应当理解:其依然可以对前述各实施例所记载的技术方案进行修改,或者对其中部分或者全部技术特征进行等同替换;而这些修改或者替换,并不使相应技术方案的本质脱离本发明各实施例技术方案的范围。 [0166] Finally, it should be noted that: the above embodiments only describe the technical solutions in embodiments of the present invention, rather than limiting;. Although the embodiments of the present invention has been described in detail, those of ordinary skill in the art should appreciated: it still may be made to the technical solutions described embodiments modifications, or to some or all of the technical features equivalents; as such modifications or replacements do not cause the essence of corresponding technical solutions to depart from embodiments of the present invention range of technical solutions.

Claims (9)

1.一种支付方法,其特征在于,包括: 向服务器发送登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; 接收所述服务器在判断所述第一用户为合法用户后、根据所述用户标识发送的第一交易单号; 向销售终端POS机发送交易报文,以使所述POS机将所述交易报文发送至所述服务器进行解析处理;所述交易报文包括所述用户标识、第二交易单号和所获取的交易信息; 接收所述服务器发送的交易结果。 A payment method, characterized by comprising: a first security information and sends the login information to the server, the login information carries the user identifier, the first security information comprises location information of a first terminal of a first user the image information, sound information of the first user to at least one of the first security information indicating the first server determines whether the user is a legal user; after receiving the first server determines that the user is a legitimate user, transmitting to the POS terminal sales transaction message, so the machine POS packet to the transaction server for the analysis process;; according to the first single transaction identification number of the user sending the transaction message comprises the user identifier, the second single transaction number and transaction information acquired; transaction server receiving the result transmitted.
2.根据权利要求1所述的方法,其特征在于,所述方法还包括: 在接收到所述服务器发送的安全请求时,向所述服务器发送第二安全信息;所述第二安全信息包括终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个,所述第二安全信息用于指示所述服务器判断第二用户是否为合法用户。 2. The method according to claim 1, characterized in that, said method further comprising: upon receiving a secure request sent by the server, transmitting the second security information to the server; the second security information comprises a second terminal position information, the image information of the second user, the second user's voice information to at least one of said second security information for instructing the second server determines whether the user is a legitimate user.
3.根据权利要求1或2所述的方法,其特征在于,所述向服务器发送登录信息和第一安全信息之前,所述方法还包括: 向所述服务器发送注册信息;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 3. The method of claim 1 or claim 2, wherein, prior to said first transmitting login information and security information to the server, the method further comprising: sending registration information to the server; the registration information comprises the identifier identifying the user, the POS machine, the third position information of the terminal, the user of the third image information and sound information of the third user.
4.一种支付方法,其特征在于,包括: 接收终端发送的登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括所述终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; 当所述第一用户为合法用户时,根据所述用户标识向所述终端发送第一交易单号;接收销售终端POS机发送的交易报文、所述POS机的标识和交易密码,所述交易报文包括所述用户标识、第二交易单号和所述终端获取的交易信息; 对所述交易报文进行解析处理,并在根据解析后的交易报文和所述POS机的标识判断当前的交易业务合法时,向金融系统发送支付信息,所述支付信息中包括所述交易密码和所述交易信息。 A payment method comprising: receiving a first security information and login information sent by the terminal, the login information carries the user identifier, the first security information comprises first location information of the terminal, image information of the first user, the first user's voice message in at least one of the first security information indicating the first server determines whether the user is a legal user; when the first user as a legitimate user, according to the transmitting said first transaction single user identification number to the terminal; receiving sale POS terminal sends a transaction message, the POS machine ID and password transaction, the transaction message comprises the user identifier, the second single transaction acquiring the terminal number and transaction information; the packet analysis processing transactions, and determines the current legal business transactions, the system transmits payment information to a financial transaction according to the identifier of the parsed packet and the POS machine the payment information is included in the transaction and the transaction password information.
5.根据权利要求4所述的方法,其特征在于,所述根据解析后的交易报文和所述POS机的标识判断当前的交易业务合法,具体包括对所述交易报文进行解析处理,获得所述交易报文中的所述第二交易单号; 判断所述第二交易单号是否与所述第一交易单号相同,以及根据预设的映射关系判断所述POS机的标识是否与所述用户标识匹配; 当所述第二交易单号与所述第一交易单号相同,且所述POS机的标识与所述用户标识匹配时,确定所述交易业务合法。 The method according to claim 4, wherein said determining the current transaction according to the identifier of legitimate business transactions parsed packet and the POS machine comprises the transaction packet analysis processing, obtaining the second transaction message transaction order number; determining whether the second transaction order number the same as the first transaction order number, and whether the mapping relationship determined according to the preset identification of the POS machine matching the user identity; single transaction when the second number with the same first transaction order number and the POS machine upon identifying matching the user identifier, determining a legitimate transaction service.
6.根据权利要求5所述的方法,其特征在于,所述方法还包括: 当所述交易信息中的交易金额大于预设金额时,向所述终端发送安全请求; 接收所述终端发送的第二安全信息,所述第二安全信息包括所述终端的第二位置信息、第二用户图像信息、第二用户声音信息中的至少一个。 6. The method according to claim 5, characterized in that, said method further comprising: when the transaction amount of the transaction information is greater than a preset amount, sending a secure request to the terminal; receiving the transmitted terminal second security information, the second security information comprises second location information of the terminal, the image information of the second user, the second user's voice in at least one of information.
7.根据权利要求4-6任一项所述的方法,其特征在于,在接收终端发送的登录信息之前,所述方法还包括: 接收所述终端发送的注册信息,并根据所述注册信息建立所述映射关系;所述注册信息包括所述用户标识、所述POS机的标识、所述终端的第三位置信息、第三用户图像信息和第三用户声音信息。 The method according to any of claims 4-6, wherein, before transmitting the login information receiving terminal, said method further comprising: receiving registration information sent by the terminal, according to the registration information and establishing the mapping relationship; the registration information comprises a user identifier identifying the POS machine, the third position information of the terminal, the user of the third image information and sound information of the third user.
8.一种支付装置,其特征在于,包括: 发送模块,用于向服务器发送登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; 接收模块,用于接收所述服务器在判断所述第一用户为合法用户后、根据所述用户标识发送的第一交易单号; 所述发送模块,还用于向销售终端POS机发送交易报文,以使所述POS机将所述交易报文发送至所述服务器进行解析处理;所述交易报文包括所述用户标识、第二交易单号和所获取的交易信息; 所述接收模块,还用于接收所述服务器发送的交易结果。 A payment device, characterized by comprising: transmitting means for transmitting login information and security information to the first server, the login information carries the user identifier, the first security information comprises a first location of the terminal information, image information of the first user, the first user's voice message in at least one of the first security information indicating the first server determines whether the user is a legal user; receiving means for receiving said determined server after the first user as a legitimate user, according to a first single transaction identification number sent by the user; the sending module is further configured to send a message to the transaction sale terminal POS, the POS machine so that the packet to the transaction server performs an analysis process; the transaction message comprises the user identifier, the second transaction order number and the acquired transaction information; the receiving module is further for receiving transactions sent by the server result.
9.一种支付装置,其特征在于,包括: 接收模块,用于接收终端发送的登录信息和第一安全信息,所述登录信息中携带用户标识,所述第一安全信息包括所述终端的第一位置信息、第一用户图像信息、第一用户声音信息中的至少一个,所述第一安全信息用于指示所述服务器判断第一用户是否为合法用户; 发送模块,用于当所述第一用户为合法用户时,根据所述用户标识向所述终端发送第一交易单号; 所述接收模块,还用于接收销售终端POS机发送的交易报文、所述POS机的标识和交易密码,所述交易报文包括所述用户标识、第二交易单号和所述终端获取的交易信息; 处理模块,用于对所述交易报文进行解析处理,并根据解析后的交易报文和所述POS机的标识判断当前的交易业务是否合法; 所述发送模块,还用于在所述处理模块根据解析后的交易报文和 A payment device, characterized by comprising: a receiving module, and login information for the first message sent by a terminal security, the login information carries the user identifier, the first security information of the terminal comprises a first position information, the image information of the first user, the first user's voice message in at least one of the first security information indicating the first server determines whether the user is a legal user; sending module, configured to, when the the first user as a legitimate user, according to the user identifier transmitted to the first terminal transaction order number; the receiving module is further configured to receive sales transaction message sends the POS terminal, the POS machine identification and transaction code, the transaction message includes a transaction identification information of the user, and the second transaction order number obtained by the terminal; and a processing module, configured to parse the transaction message processing, according to the parsed transaction packets identifying the POS machine above and determines whether the current transaction is legitimate traffic; the transmitting module is further used for the transaction processing module and the message parsed 述POS机的标识判断当前的交易业务合法时,向金融系统发送支付信息,所述支付信息中包括所述交易密码和所述交易信息。 Identifying said POS machine determines the current valid transaction service, transmits payment information to the financial system, the payment information including the transaction code and the transaction information.
CN201610067791.9A 2016-01-29 2016-01-29 Payment method and device CN105678535A (en)

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