CN105931031A - Mobile payment platform based on social relations and LBS - Google Patents
Mobile payment platform based on social relations and LBS Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/01—Social networking
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0869—Network architectures or network communication protocols for network security for authentication of entities for achieving mutual authentication
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
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Abstract
The invention discloses a mobile payment platform based on social relations and LBS. The platform includes a mobile payment module which further includes a user account module and a user verification module. A payment flow is completed through user direct payment, multiple-person verification payment, and multiple-person network payment.
Description
Technical field
The present invention relates to on-line payment technical field, particularly relate to a kind of based on social networks with the movement of LBS
Payment platform.
Background technology
(1) market development is paid swift and violent
Although Europe encounters the most serious financial crisis, whole world payment transaction amount was still in the past
5 years in (2005～2010) obtain every year on average 6.7% growth (BIS, (2012)), 2010 are then
Maintaining this situation, non-cash transaction amount total value has reached 283,000,000,000.The growth of non-cash transaction amount,
On the one hand it is because the financial organizations such as government for raising efficiency, reduces the cost that unnecessary cash flow brings,
Encourage development ecommerce；On the other hand, it is because the change in people's consumption habit, is the most gradually accustomed to
In shopping online etc..Wherein, even occupying the American-European city of the 70% of the whole non-cash transaction market share
, the most old 80% is above cash transaction, and therefore, the development potentiality paying market is the hugest.
One is efficiently, the payment system of safety for the launching smoothly and increase from now on of banking extremely
Close important.Evaluate payment services and mainly have four aspects: efficiency, safety, innovation, and ease for use.No
The priority in terms of these is determined with the market condition in area and the payment infrastructure of locality.Sending out
Exhibition Chinese Home may be to consider it is how to promote the service that user needs more, and user-friendliness etc.,
And in American-European countries, protection of consumers' rights and interests and efficiency then it is critical that.Other merit attention equally
Be then third-party payment services provider, Third-party payment service provider is for the access of bank information
Remaining a sensitive subjects, bank is the most necessarily summed up in the point that in payment services, if the third party service provider cannot
Link bank, then be difficult to finishing service logic.If but bank's exploitation information is to service provider, once services
Business cannot make customer satisfaction, if the information unlawful profit-making of client, for the self-image of bank
Havoc will be caused.
(2) existing market will be caused essence to change by mobile device
Mobile device plays key player's smart mobile phone, flat board in the next stage of network Development
Computer, and electronic book reader (e-book) has huge market, and also they are by traditional store,
Network, together, this not only can fundamentally change purchase and the sales mode of existing goods in advertisement contact,
Tremendous influence is more had for the mobile-payment system in financial service, especially the following years.People are present
Can on the way browse information, the free choice of goods, even obtain real-time financing information from manager of bank there.
By the end of the year 2011, China mobile user reaches 986,250,000, wherein 3G subscription 128,420,000.
Along with the quick growth of cellphone subscriber, mobile phone application has been enter into all trades and professions, and promotes sending out of all trades and professions
Exhibition, predicts according to global technology research and consulting firm Gartner, global mobile payment in 2012 meanwhile
Transaction value will be more than 171,500,000,000 dollars.2012, mobile payment number of users was up to 2.122 hundred million,
By 2016, whole world mobile payment is anticipated was up to 617,000,000,000 dollars, has 4.48 hundred million mobile payments
User.The dependence of mobile phone and the convenience of mobile phone transacting business are seen some from this by people.At network
Through universal today, we are it is believed that technological revolution next time is likely to will occur in mobile terminal sets
For upper, the exploitation towards cellphone subscriber's product meets the trend in market.
(3) social network information is huge lacks utilization
Along with development and the maturation of WEB2.0 technology, internet has become more and more intelligent, people
Property and socialization.It starts gradually to penetrate into the every aspect of people's life, affects and changes people's
Life style.As the mainstream product social networks in WEB2.0 epoch with lightning speed
Gesture swept across the whole world.In social network-i i-platform, the interactive information of user starts to present the growth of explosion type and becomes
Gesture.But, people are but faced with the difficult situation of " but information explosion wisdom is barren ".Internet WEB 2.0
The key concept in epoch is customer-centric, payes attention to Consumer's Experience and user is mutual.Therefore, how to have
Effect ground is collected and utilizes the customer interaction information of magnanimity in social network-i i-platform, and therefrom excavates valuable
Knowledge, the Consumer's Experience improving social networks with this, become internet industry research and the focus discussed.
Wherein, the geographical position at user place becomes the emphasis of data mining, offshore company's such as apple exploitation
Geography fence (Geo-fencing) technology be exactly a new opplication based on LBS.LBS is also known as based on position
The service put, English full name is Location Based Services, refers to by telecommunications mobile operator
Radio communication network or outside location mode, obtain the positional information of mobile phone users, put down at GIS
Under the support of platform, provide the user a kind of value-added service of respective service.
Summary of the invention
In order to solve above-mentioned problem, the invention provides a kind of movement based on social networks and LBS and prop up
Pay platform: integrate the mobile phone application of mobile payment, good friend's certification, social networks, based on social network
Network and LBS technology, comprehensive descision user current safety of payment situation, exempt user's small change and repeat defeated
The troubles such as password, it is possible to simplify payment step, improve the operating efficiency of businessman.
The invention provides a kind of based on social networks with the mobile payment platform of LBS, it is characterised in that institute
State mobile payment platform to include: mobile payment module.
Described mobile payment module farther includes with lower module: user's billing module: cabinet is gone in user's shopping
During platform checkout, generate the Quick Response Code containing personal information first with client, and be presented to cabinet when checkout
Member, after teller scans the Quick Response Code of client, user profile can be transmitted by teller's end automatically with shopping list
To third-party server, shopping list then can be transmitted to cell-phone customer terminal and confirm by server；User is really
Recognize shopping list accurate, and after obtaining authentication, it is only necessary to click on and confirm that payment can complete to hand over
Easily.
User authentication module: user is when shopping, and client background can check good friend's situation around user automatically:
Determine customer location and friend location by LBS service at set intervals, and calculate between them away from
From and the cohesion relation of user, calmodulin binding domain CaM payment algorithm, thus assess user security state, if
User is in a safe condition, and system can be the user setup odd-numbered day safe purchase and consumption upper limit automatically, and user does shopping
Time be no longer necessary to input password；Otherwise payment flow then becomes direct payment, and user needs to input payment cipher
To verify identity.
Above-mentioned mobile payment module includes following payment flow: user's direct payment: when user's direct payment,
System can remind user to check shopping list successively, inputs payment cipher, and checks that user account remaining sum is
No being enough to pays；Any step there is a problem all can interrupt transaction and remind user's relevant issues；When all
After errorless, then concluding the business successfully, the corresponding amount of money can be forwarded under Merchant Account from user account by system automatically.
Many people certification pays: the place that many people certification Zhi Fuyu user's direct payment is different is, once client
Hold by region payment algorithm assert user in a safe condition time, user in the payment authentication stage then without again
Secondary input payment cipher, pays and will be reduced to " key pays ".
Many people circle pay: many people circle pay in, user firstly the need of select a central user, and
Central user is allowed to set up interim circle, hereafter, by inquiring about surrounding area good friend and inviting, and good friend
Lookup circle around also adds two ways；Central user will set up a circle comprising all members, and
The Quick Response Code of generation is presented to teller；Teller scans Quick Response Code, backstage can by all for circle information about firms with
Consumption inventory transmits to server.
Wherein, described mobile payment platform farther includes: good friend manages module: when user adds good friend,
Can be added by three kinds of modes: by account name lookup good friend, by LBS function lookup and add attached
Near good friend, and good friend can be introduced directly into by the social network sites relation of binding.
Wherein, described mobile payment platform farther includes: personal management module: when user logs in, system
Can first detect account and password, if account does not exists, then remind user to enter register flow path, and if
User cipher input error, then prompting user checks and re-enters；After user logs in, then can pass through district
The safe condition that territory payment algorithm detection user is current, if the security evaluation of user is " dangerous ",
In the case of " logging in ground abnormal ", client then can limit the partial function of client；And when user selects
During direct payment, then require that client must input payment cipher with certification.
Beneficial effect: (1) convenience: employ LBS positioning function, facilitates the company between good friend
Connecing, be also convenient for the foundation of temporary relation net, system is real by LBS location technology and social networks
Existing a range of relation is mutually authenticated mode automatically, and simplifying payment needs repeatedly to input account and close
The tedious steps of code, enormously simplify many people and consumes the process of stand bill so that small change no longer becomes a kind of
Trouble.On the other hand, the simplification of clearing link makes megastore no longer in disorder for crowded state, pole
The earth improves the operating efficiency in market.
(2) stability: our platform cloud server is implemented on cluster virtualization basis, high in the clouds, tool
Cluster framework is had to ensure, Practical Calculation resource elastic telescopic in cluster, compensate for traditional server not only
Can not accomplish resilient expansion, and the shortcoming that there is Single Point of Faliure and high cost.And high in the clouds resource can have
Effect defending against network attacks, weakens ARP, DDOS, and gets rid of Single Point of Faliure.The trouble of the most artificial O&M.
(3) extensibility: this product leaves the interface with other system, and leave later business is sent out
The interface of activating business of exhibition.Cloud server extends at any time simultaneously, and upgrading hardware configures, and drops largely
Low running cost.
(4) security: this product taken into full account pay whole process present in safety issue,
And providing corresponding solution payment authentication algorithm: user is when paying, if system detection
Abnormal or active user the Entered state in debarkation point to active user is abnormal, then limit certification and prop up
Paying function, user only re-enters payment cipher and can complete to pay.Consumption every day gold is set simultaneously
The volume upper limit, user only consumes in limit could use many people certification payment function.Additionally, we
It is also provided with logging in expiration mechanism, if user logs in rear a period of time and do not has action, the most automatically locks use
Family, user only again logs in and just can pay.
Accompanying drawing explanation
The mobile payment platform participant based on social networks and LBS that Fig. 1 provides for the embodiment of the present invention is closed
System's figure.
Fig. 2 user's billing module flow chart.
Fig. 3 user authentication module flow chart.
Fig. 4 user's direct payment flow chart.
Fig. 5 many people certification payment flow figure.
Fig. 6 many people circle payment flow figure.
Fig. 7 adds good friend's flow chart.
Fig. 8 personal management block flow diagram.
Detailed description of the invention
Technical scheme and the technique effect reached for making to present invention solves the technical problem that, using are clearer,
The present invention is described in further detail with embodiment below in conjunction with the accompanying drawings.It is understood that this place
The specific embodiment described is used only for explaining the present invention, rather than limitation of the invention.Further need exist for
Bright, for the ease of describing, accompanying drawing illustrate only part related to the present invention rather than full content.
Refer to Fig. 1 to Fig. 8, present embodiments provide a kind of mobile payment based on social networks and LBS and put down
Platform, it is characterised in that described mobile payment platform includes: mobile payment module.
Described mobile payment module farther includes with lower module: user's billing module: cabinet is gone in user's shopping
During platform checkout, generate the Quick Response Code containing personal information first with client, and be presented to cabinet when checkout
Member, after teller scans the Quick Response Code of client, user profile can be transmitted by teller's end automatically with shopping list
To third-party server, shopping list then can be transmitted to cell-phone customer terminal and confirm by server；User is really
Recognize shopping list accurate, and after obtaining authentication, it is only necessary to click on and confirm that payment can complete to hand over
Easily.
User authentication module: user is when shopping, and client background can check good friend's situation around user automatically:
Determine customer location and friend location by LBS service at set intervals, and calculate between them away from
From and the cohesion relation of user, calmodulin binding domain CaM payment algorithm, thus assess user security state, if
User is in a safe condition, and system can be the user setup odd-numbered day safe purchase and consumption upper limit automatically, and user does shopping
Time be no longer necessary to input password；Otherwise payment flow then becomes direct payment, and user needs to input payment cipher
To verify identity.
Above-mentioned mobile payment module includes following payment flow: user's direct payment: when user's direct payment,
System can remind user to check shopping list successively, inputs payment cipher, and checks that user account remaining sum is
No being enough to pays；Any step there is a problem all can interrupt transaction and remind user's relevant issues；When all
After errorless, then concluding the business successfully, the corresponding amount of money can be forwarded under Merchant Account from user account by system automatically.
Many people certification pays: the place that many people certification Zhi Fuyu user's direct payment is different is, once client
Hold by region payment algorithm assert user in a safe condition time, user in the payment authentication stage then without again
Secondary input payment cipher, pays and will be reduced to " key pays ".
Many people circle pay: many people circle pay in, user firstly the need of select a central user, and
Central user is allowed to set up interim circle, hereafter, by inquiring about surrounding area good friend and inviting, and good friend
Lookup circle around also adds two ways；Central user will set up a circle comprising all members, and
The Quick Response Code of generation is presented to teller；Teller scans Quick Response Code, backstage can by all for circle information about firms with
Consumption inventory transmits to server.
Wherein, described mobile payment platform farther includes: good friend manages module: when user adds good friend,
Can be added by three kinds of modes: by account name lookup good friend, by LBS function lookup and add attached
Near good friend, and good friend can be introduced directly into by the social network sites relation of binding.
Wherein, described mobile payment platform farther includes: personal management module: when user logs in, system
Can first detect account and password, if account does not exists, then remind user to enter register flow path, and if
User cipher input error, then prompting user checks and re-enters；After user logs in, then can pass through district
The safe condition that territory payment algorithm detection user is current, if the security evaluation of user is " dangerous ", " is stepping on
Land is abnormal " in the case of, client then can limit the partial function of client；And when user selects directly
During payment, then require that client must input payment cipher with certification.
Last it is noted that various embodiments above is only in order to illustrate technical scheme, rather than to it
Limit；Although the present invention being described in detail with reference to foregoing embodiments, the ordinary skill of this area
Personnel are it is understood that the technical scheme described in foregoing embodiments is modified by it, or in the middle part of it
Divide or all technical characteristic carries out equivalent, do not make the essence of appropriate technical solution depart from the present invention each
The scope of embodiment technical scheme.
Claims (3)
1. one kind based on social networks and the mobile payment platform of LBS, it is characterised in that described mobile payment
Platform includes: mobile payment module；Described mobile payment module farther includes with lower module:
User's billing module: when user's shopping goes to sales counter to settle accounts, generate containing individual first with client
The Quick Response Code of information, and it is presented to teller when checkout, after teller scans the Quick Response Code of client, teller's end meeting
Automatically transmitting to third-party server by user profile and shopping list, server then can be by shopping list
It is transmitted to cell-phone customer terminal confirm；User is confirming that shopping list is accurate, and obtains authentication
After, it is only necessary to click on and confirm that payment can complete transaction；
User authentication module: user is when shopping, and client background can check good friend's situation around user automatically:
Determine customer location and friend location by LBS service at set intervals, and calculate between them away from
From and the cohesion relation of user, calmodulin binding domain CaM payment algorithm, thus assess user security state, if
User is in a safe condition, and system can be the user setup odd-numbered day safe purchase and consumption upper limit automatically, and user does shopping
Time be no longer necessary to input password；Otherwise payment flow then becomes direct payment, and user needs to input payment cipher
To verify identity；
Above-mentioned mobile payment module includes following payment flow:
User's direct payment: when user's direct payment, system can remind user to check shopping list successively,
Input payment cipher, and check whether user account remaining sum be enough to pay；Any step there is a problem all
Transaction can be interrupted and remind user's relevant issues；After all are errorless, then concluding the business successfully, system can be automatically
From user account, the corresponding amount of money is forwarded under Merchant Account；
Many people certification pays: the place that many people certification Zhi Fuyu user's direct payment is different is, once client
Hold by region payment algorithm assert user in a safe condition time, user in the payment authentication stage then without again
Secondary input payment cipher, pays and will be reduced to " key pays "；
Many people circle pay: many people circle pay in, user firstly the need of select a central user, and
Central user is allowed to set up interim circle, hereafter, by inquiring about surrounding area good friend and inviting, and good friend
Lookup circle around also adds two ways；Central user will set up a circle comprising all members, and
The Quick Response Code of generation is presented to teller；Teller scans Quick Response Code, backstage can by all for circle information about firms with
Consumption inventory transmits to server.
The most according to claim 1 based on social networks with the mobile payment platform of LBS, its feature
Being, described mobile payment platform farther includes: good friend manages module: when user adds good friend, permissible
Added by three kinds of modes: by account name lookup good friend, near LBS function lookup interpolation
Good friend, and good friend can be introduced directly into by the social network sites relation of binding.
The most according to claim 1 based on social networks with the mobile payment platform of LBS, its feature
Being, described mobile payment platform farther includes: personal management module: when user logs in, and system can head
First detection account and password, if account does not exists, then reminds user to enter register flow path, and if user
Password Input mistake, then prompting user checks and re-enters；After user logs in, then can be propped up by region
Pay the safe condition that algorithm detection user is current, if the security evaluation of user is " dangerous ", " stepping on
Land is abnormal " in the case of, client then can limit the partial function of client；And when user selects directly
During payment, then require that client must input payment cipher with certification.
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106920093A (en) * | 2017-02-07 | 2017-07-04 | 桂林理工大学 | Visible ray with hidden channel and bar code authentication on-line payment device |
| CN109493162A (en) * | 2018-09-29 | 2019-03-19 | 广州绿桦环保科技有限公司 | A kind of plant conservation system |
| CN110472955A (en) * | 2019-07-17 | 2019-11-19 | 口碑(上海)信息技术有限公司 | A kind of data processing method and system |
| CN110851270A (en) * | 2019-10-21 | 2020-02-28 | 中国银联股份有限公司 | Resource transfer method, device, equipment and medium |
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| CN110851270A (en) * | 2019-10-21 | 2020-02-28 | 中国银联股份有限公司 | Resource transfer method, device, equipment and medium |
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