CN106127484A - A kind of safety of payment control system and safety of payment control method - Google Patents
A kind of safety of payment control system and safety of payment control method Download PDFInfo
- Publication number
- CN106127484A CN106127484A CN201610519299.0A CN201610519299A CN106127484A CN 106127484 A CN106127484 A CN 106127484A CN 201610519299 A CN201610519299 A CN 201610519299A CN 106127484 A CN106127484 A CN 106127484A
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- Prior art keywords
- payment
- safety
- biological characteristic
- payment processes
- module
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The present invention relates to mobile payment security control system and method thereof.This system possesses: payment processes module, biometric devices and safety control module, wherein, payment processes module obtains biological characteristic value according to payment processes request call biometric devices and from biometric devices, by the biological characteristic value obtained and row card information, spending amount is sent collectively to safety control module, biometric devices is for calling collection biological characteristic and obtaining biological characteristic value and return to payment processes module according to payment processes module, safety control module stores obligation authority configuration information in advance, and safety control module is for according to the bank card information from payment processes module, spending amount and biological characteristic value carry out privilege analysis based on obligation authority configuration information and return the result to payment processes module.In accordance with the invention it is possible to effectively carry out obligation authority grading control based on biological characteristic.
Description
Technical field
The present invention relates to communication technology, carry out propping up of obligation authority grading control more particularly to a kind of based on biological characteristic
Pay safety control system and safety of payment control method.
Background technology
Mobile payment is that consumer passes through the mobile terminal commodity to being consumed or service carries out the one of account payment and props up
The mode of paying.Client is directly or indirectly sent to bank finance enterprise by mobile device, the Internet or short range transmission technology
Payment instruction produces currency and pays and fund transfer, it is achieved the mobile payment of fund, it is achieved that terminal unit, the Internet, application
Provider and the fusion of financial institution, complete the financial business such as currency payment, payment.
According to the difference of technological means, mobile payment can be divided into: remote payment or online payment, i.e. user use mobile whole
End, by note, WAP (WAP:Wireless Application Protocol), interactive voice answering
The mode such as (IVR:Interactive Voice Response), third-party application (APP) is connected remotely to mobile payment backstage
System, it is achieved account inquiries, transfer accounts, credit card repayment, the function such as order payment；And near field pays, such as NFC pays.
Wherein, most concerned three problems of mobile payment: safety, privacy and ease for use.
In current mobile payment, security control aspect there is problems in that
(1) terminal can bind the bank card of multiple user, it is also possible to the fingerprint of the multiple user of typing, all of fingerprint pair
All of card all has the same obligation authority；
In (2) terminals, same bank card does not carry out amount control to the fingerprint of different user.
Mobile payment the most all supports verification mode based on biological characteristic (such as fingerprint etc.) at secure context, and an intelligence
Terminal can may have multiple user (such as father and mother and children), this station terminal is had equally by the user being currently typing fingerprint
Obligation authority, system cannot provide administration by different levels to obligation authority.
Summary of the invention
In view of the above problems, it is an object of the invention to, it is provided that one can carry out obligation authority based on biological characteristic and divide
The safety of payment control system of level control and safety of payment control method.
The mobile payment security control system of the present invention, it is characterised in that possess: payment processes module, biological characteristic are known
Other device and safety control module,
Wherein, described payment processes module is used for accepting payment processes request, according to raw described in described payment processes request call
Thing specific identification device also obtains biological characteristic value from described biometric devices, by the described biological characteristic value that obtains with
The bank card information, the spending amount that obtain from described payment processes is asked are sent collectively to described safety control module；
Described biometric devices is for calling collection biological characteristic and obtaining biology according to described payment processes module
Eigenvalue returns to described payment processes module,
Described safety control module stores obligation authority configuration information in advance, and described safety control module is for basis
Bank card information, spending amount and biological characteristic value from described payment processes module are believed based on the configuration of described obligation authority
Breath carries out privilege analysis and returns the result to payment processes module.
Preferably, the mobile payment security control system of the present invention is also equipped with:
NFC processing means, is forwarded to described for payment processes request that is mutual with outside NFC reader and that paid near field
Payment processes module,
Described payment processes module for process from described NFC processing means near field pay payment processes request and from
The payment processes request of remote payment.
Preferably, described obligation authority configuration information comprises bank card information, between biological characteristic value and obligation authority
Corresponding relation.
Preferably, described biometric devices is used for identifying fingerprint, iris, face, referring to vein and sound.
Preferably, described obligation authority configuration information is set to comprise the bank card information of multiple bank cards and biological characteristic
Corresponding relation between value and obligation authority.
Preferably, in described obligation authority configuration information, for every bank card, described obligation authority is set to multiple power
Limit rank.
Preferably, in described obligation authority configuration information, for every bank card, described obligation authority is set to a master
People's rank and one or more attached rank.
Preferably, described obligation authority includes: single pays limit, the odd-numbered day pays stroke count, the moon consumes total value, day consumption is total
In volume one.
The safety of payment control method of the present invention, it is characterised in that comprise the steps:
Initial configuration procedure, is stored in obligation authority configuration information in safety control module in advance, wherein, and described obligation authority
Configuration information comprises bank card information, corresponding relation between biological characteristic value and obligation authority；
Paying request accepting step, payment processes module accepts payment processes request, raw according to described payment processes request call
Thing specific identification device；
Biological characteristic value obtaining step, biometric devices obtains biological characteristic value and returns to payment processes module；
The request of payment forwards step, and payment processes module is by biological characteristic value and the bank obtained from the request of described payment processes
Card information, spending amount are sent collectively to safety control module；And
Obligation authority analytical procedure, safety control module according to from the bank card information of payment processes module, spending amount with
And biological characteristic value carries out privilege analysis based on obligation authority configuration information and returns the result to payment processes module.
Preferably, paying in request accepting step described, payment processes module accepts the payment processes of near field payment please
Ask or from remote payment payment processes ask.
Preferably, in described biological characteristic value obtaining step, as biological characteristic, biometric devices identification refers to
Stricture of vagina, iris, face, the one referred in vein and sound also obtain biological characteristic value.
Preferably, described obligation authority configuration information is set to comprise the bank card information of multiple bank cards and biological characteristic
Corresponding relation between value and obligation authority.
Preferably, in described obligation authority configuration information, for every bank card, described obligation authority is set to multiple power
Limit rank.
Preferably, in described obligation authority configuration information, for every bank card, described obligation authority is set to a master
People's rank and one or more attached rank.
Preferably, described obligation authority includes: single pays limit, the odd-numbered day pays stroke count, the moon consumes total value, day consumption is total
In volume one.
The safety of payment control system of the present invention and safety of payment control method use biometrics identification technology to intelligence
Bank card in energy terminal has carried out obligation authority and has paid the control of amount, utilizes the present invention can improve the safety of payment
Property, and easy to use, promotional value is high.
Accompanying drawing explanation
Fig. 1 is the organigram of the safety of payment control system representing one embodiment of the present invention.
Fig. 2 is showing of the obligation authority configuration information in the safety of payment control system representing one embodiment of the present invention
It is intended to.
Fig. 3 illustrates the flow process blocked in the binding of initial configuration phase in safety of payment control method.
Fig. 4 illustrates the flow process of interpolation/deletion user at initial configuration phase in safety of payment control method.
Fig. 5 illustrates in safety of payment control method in the flow process paying operational phase.
Detailed description of the invention
Be described below be the present invention multiple embodiments in some, it is desirable to provide the basic understanding to the present invention.And
It is not intended to confirm the crucial of the present invention or conclusive key element or limit scope of the claimed.
Fig. 1 is the organigram of the safety of payment control system representing one embodiment of the present invention.
As it is shown in figure 1, the safety of payment control system of one embodiment of the present invention possesses: payment processes module 100, peace
Full control module 200, biometric devices 300 and NFC processing means 400.
Payment processes module 100, in the form of services at running background, accepts remote payment or near field pays, at payment
The process request that reason module 100 pays according to the remote payment accepted or near field, call biometric devices 300 and from
Biometric devices 300 obtains biological characteristic value, the described biological characteristic value obtained is obtained in asking from payment processes
The bank card information, the spending amount that obtain are sent collectively to safety control module 200.
Safety control module 200 stores obligation authority configuration information in advance, and safety control module 200 is according to from propping up
Pay the bank card information of processing module 100, spending amount and the biological characteristic value obligation authority configuration letter based on storing in advance
Breath carries out privilege analysis and returns the result to payment processes module 100.
Biometric devices 300 is according to calling collection biological characteristic and obtaining life from payment processes module 100
Thing eigenvalue, returns to payment processes module 100 by the biological characteristic value of acquisition.
NFC processing means 400 has the mutual function between outside NFC reader and pays application AID route
Function.Pay application AID routing function and refer to that NFC processing means 400 can be by resolving the outside non-request instruction connecing equipment
Judge to give instruction which service and carry out processing (such as: payment services, or Card Reader service etc.).
The safety of payment control system of the present invention is characterised by, in payment verification link except testing biological characteristic
Card, also carries out grading control to obligation authority.Realizing obligation authority and carry out grading control, this is mainly by safety control module
200 realize based on the obligation authority configuration information stored in advance.It is specifically described sequentially for obligation authority configuration information.
Fig. 2 is showing of the obligation authority configuration information in the safety of payment control system representing one embodiment of the present invention
It is intended to.
As in figure 2 it is shown, in the present invention, obligation authority configuration information is including at least three aspect contents: biological characteristic value, power
Limit and bank card.
(1) biological characteristic value: represent the biological characteristic value of the user gathered.Here biological characteristic value includes but not limited to refer to
Stricture of vagina, face, refer to vein, sound.In fig. 2, U_A represents the biological characteristic that the biological characteristic value of user A, U_B represent user B
Value, U_C represent the biological characteristic value of user C.
(2) authority: represent the holder of bank card or tie up the authority that card people can carry out paying.In fig. 2, illustrate
One example of authority classification.Such as, in fig. 2 authority is divided into tri-ranks of Master, High, LOW, wherein, Master
Representing the holder of bank card or the person that ties up card, HIGH represents high authority, and LOW represents low rights, is traditionally arranged to be a bank card
Can only have a Master, this Master user can add or delete other users, wherein, HIGH authority can be configured to
Payment limit the same for Master, LOW authority can configure relatively low payment limit.Tri-levels of Master, High, LOW in Fig. 2
It is only the example of the present invention that other division and each rank pay setting of limit, the Permission Levels of the present invention divide with
And payment limit sets and is not limited to this example, but the division of multistage Permission Levels can be carried out as required, and, pay limit
The setting of volume only represents a kind of implementation, actually can also arrange single and always pay limit, odd-numbered day payment stroke count, day consumption
Volume and moon consumption total value etc..
(3) bank card: can bind multiple bank cards in the present invention in system, every bank card can configure independent
Authority classification, such as, in fig. 2, stores the information of two bank cards, for bank card 1, divides and has owner Master(),
HIGH(is senior), LOW(rudimentary) three obligation authoritys, user U_A has Master authority to bank card 1, and user U_B is to bank
Card 1 has HIGH authority, and user U_C has LOW authority to bank card 1；For bank card 2, divide and have Master, HIGH, LOW
Three obligation authoritys, user U_B has Master authority to bank card 2, and user U_A has HIGH authority, user to bank card 2
U_C has LOW authority to bank card 2.
Then, the safety of payment control method for utilizing the safety of payment control system of the present invention to realize illustrates.
The safety of payment control method of the present invention was broadly divided into for two megastages: (one) initial configuration phase and (two) pay and make
Use the stage.
Hereinafter, to illustrate as the situation as a example by biological characteristic employing fingerprint.
(1) initial configuration phase
1, card is tied up
Fig. 3 illustrates the flow process blocked in the binding of initial configuration phase in safety of payment control method.
As it is shown on figure 3, in initial configuration phase, the flow process of binding card is as follows:
1) card is tied up in user's application, inputs bank card information；
2) finger print information of the typing person that ties up card, as Master；
3) the payment limit of tri-kinds of authorities of Master, HIGH, LOW it is respectively provided with.Repair it addition, limit can also be carried out after arranging
Change.
Here, the setting of obligation authority only represents a kind of implementation, arranges as obligation authority, can essentially arrange
Single pays limit, the odd-numbered day pays stroke count, day consumes total value or the moon consumes total value etc., can carry out various according to actual needs
The obligation authority of various kinds is arranged.
2, add/delete user
Fig. 4 illustrates the flow process of interpolation/deletion user at initial configuration phase in safety of payment control method.
As shown in Figure 4, in initial configuration phase, the flow process adding/delete user is as follows:
1) bank card is selected；
2) typing Master fingerprint verifying；
3) select to add/delete user operation, and select corresponding authority；
4) when adding user, typing user fingerprints；When deleting user, directly select and delete.
(2) operational phase is paid
It is assumed herein that an embodiment scene: having bound bank card on the mobile terminal of father, father is Master user, son
Authority be LOW, son does shopping with the mobile phone of father, and assumes that the biological characteristic gathered is fingerprint.
Fig. 5 illustrates in safety of payment control method in the flow process paying operational phase.
As it is shown in figure 5, the flow process paying operational phase comprises the steps:
Step S100: the safety of payment control system of the present invention supports that near field pays or remote payment, near field pays at by NFC
Reason device calls payment processes module 100, and remote payment then pays control by APP and calls payment processes module 100, by payment
Reason module 100 gets bank card information (such as bank card number), payment from calling interface；
Step S200: call biometric devices 300 and gather biological characteristic the biological characteristic value return that will collect
Pay processing module 100, gather fingerprint in this example as biological characteristic；
Step S300: bank card information, payment, biological characteristic value are delivered to safety control module by payment processes module 100
200；
Step S400: safety control module 200 is by biological characteristic value and has been pre-configured in this bank card number pair therein
The user biological eigenvalue answered mates one by one, such as according to the order from Master to LOW, if if all unmatching, the most directly
Connecing and return unsuccessfully, if deserving, entering step S500；
Step S500: it, for dealing money, is compared with the limit of corresponding authority, judge by safety control module 200, if
Satisfied then return successfully, if being unsatisfactory for, return failure；
Step S600: the security control result returned from safety control module 200 is fed back to outside tune by payment processes module 100
User.
The safety of payment control system of the present invention and safety of payment control method use biometrics identification technology to intelligence
Bank card in energy terminal has carried out obligation authority and has paid the control of amount, utilizes the present invention can improve the safety of payment
Property, and easy to use, promotional value is high.
Example above primarily illustrates safety of payment control system and the safety of payment control method of the present invention.Although only
The detailed description of the invention of the some of them present invention is described, but those of ordinary skill in the art it is to be appreciated that this
Bright can be implementing with other forms many with in scope without departing from its spirit.Therefore, the example shown and embodiment
It is considered illustrative and not restrictive, without departing from spirit and scope of the present invention as defined in appended claims
In the case of, the present invention may contain various amendments and replacement.
Claims (15)
1. a mobile payment security control system, it is characterised in that possess: payment processes module, biometric devices
And safety control module,
Wherein, described payment processes module is used for accepting payment processes request, according to raw described in described payment processes request call
Thing specific identification device also obtains biological characteristic value from described biometric devices, by the described biological characteristic value that obtains with
The bank card information, the spending amount that obtain from described payment processes is asked are sent collectively to described safety control module；
Described biometric devices is for calling collection biological characteristic and obtaining biology according to described payment processes module
Eigenvalue returns to described payment processes module,
Described safety control module stores obligation authority configuration information in advance, and described safety control module is for basis
Bank card information, spending amount and biological characteristic value from described payment processes module are believed based on the configuration of described obligation authority
Breath carries out privilege analysis and returns the result to payment processes module.
2. mobile payment security control system as claimed in claim 1, it is characterised in that be also equipped with:
NFC processing means, is forwarded to described for payment processes request that is mutual with outside NFC reader and that paid near field
Payment processes module,
Described payment processes module for process from described NFC processing means near field pay payment processes request and from
The payment processes request of remote payment.
3. safety of payment control system as claimed in claim 1 or 2, it is characterised in that
Described obligation authority configuration information comprises bank card information, corresponding relation between biological characteristic value and obligation authority.
4. safety of payment control system as claimed in claim 3, it is characterised in that
Described biometric devices is used for identifying fingerprint, iris, face, referring to vein and sound.
5. safety of payment control system as claimed in claim 3, it is characterised in that
Described obligation authority configuration information is set to bank card information and biological characteristic value and the Authority TO Pay comprising multiple bank cards
Corresponding relation between limit.
6. safety of payment control system as claimed in claim 3, it is characterised in that
In described obligation authority configuration information, for every bank card, described obligation authority is set to multiple Permission Levels.
7. safety of payment control system as claimed in claim 6, it is characterised in that
In described obligation authority configuration information, for every bank card, described obligation authority is set to owner's rank and
Individual or multiple attached ranks.
8. the safety of payment control system as described in claim 3～7 any one, it is characterised in that
Described obligation authority includes: single pays limit, the odd-numbered day pays stroke count, the moon consumes total value, day consumes in total value.
9. a safety of payment control method, it is characterised in that comprise the steps:
Initial configuration procedure, is stored in obligation authority configuration information in safety control module in advance, wherein, and described obligation authority
Configuration information comprises bank card information, corresponding relation between biological characteristic value and obligation authority；
Paying request accepting step, payment processes module accepts payment processes request, raw according to described payment processes request call
Thing specific identification device；
Biological characteristic value obtaining step, biometric devices obtains biological characteristic value and returns to payment processes module；
The request of payment forwards step, and payment processes module is by biological characteristic value and the bank obtained from the request of described payment processes
Card information, spending amount are sent collectively to safety control module；And
Obligation authority analytical procedure, safety control module according to from the bank card information of payment processes module, spending amount with
And biological characteristic value carries out privilege analysis based on obligation authority configuration information and returns the result to payment processes module.
10. safety of payment control method as claimed in claim 9, it is characterised in that
Paying in request accepting step described, payment processes module accepts the payment processes request of near field payment or from far
The payment processes request of Cheng Zhifu.
11. safety of payment control methods as claimed in claim 9, it is characterised in that
In described biological characteristic value obtaining step, as biological characteristic biometric devices identification fingerprint, iris, people
Face, the one referred in vein and sound also obtain biological characteristic value.
12. safety of payment control methods as claimed in claim 9, it is characterised in that
Described obligation authority configuration information is set to bank card information and biological characteristic value and the Authority TO Pay comprising multiple bank cards
Corresponding relation between limit.
13. safety of payment control methods as claimed in claim 9, it is characterised in that
In described obligation authority configuration information, for every bank card, described obligation authority is set to multiple Permission Levels.
14. safety of payment control methods as claimed in claim 9, it is characterised in that
In described obligation authority configuration information, for every bank card, described obligation authority is set to owner's rank and
Individual or multiple attached ranks.
15. safety of payment control methods as claimed in claim 9, it is characterised in that
Described obligation authority includes: single pays limit, the odd-numbered day pays stroke count, the moon consumes total value, day consumes in total value.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610519299.0A CN106127484A (en) | 2016-07-05 | 2016-07-05 | A kind of safety of payment control system and safety of payment control method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610519299.0A CN106127484A (en) | 2016-07-05 | 2016-07-05 | A kind of safety of payment control system and safety of payment control method |
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| CN106651318A (en) * | 2016-12-28 | 2017-05-10 | 中国建设银行股份有限公司 | Enterprise-level flow setting method and system |
| CN106971305A (en) * | 2017-04-05 | 2017-07-21 | 奇酷互联网络科技（深圳）有限公司 | Method and mobile terminal that a kind of fingerprint is paid |
| CN107730251A (en) * | 2017-09-28 | 2018-02-23 | 山西特信环宇信息技术有限公司 | Cash in banks electronics based on biological identification technology draws system and operating method |
| CN108171500A (en) * | 2018-01-08 | 2018-06-15 | 北京京东金融科技控股有限公司 | Unmanned shop method for processing payment information and system, computer-readable program medium |
| CN108537531A (en) * | 2018-03-27 | 2018-09-14 | 百度在线网络技术（北京）有限公司 | Method and apparatus for handling information |
| WO2022027939A1 (en) * | 2020-08-06 | 2022-02-10 | 中国银联股份有限公司 | User binding relationship-based data processing method and system thereof |
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| CN107730251A (en) * | 2017-09-28 | 2018-02-23 | 山西特信环宇信息技术有限公司 | Cash in banks electronics based on biological identification technology draws system and operating method |
| CN108171500A (en) * | 2018-01-08 | 2018-06-15 | 北京京东金融科技控股有限公司 | Unmanned shop method for processing payment information and system, computer-readable program medium |
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| WO2022027939A1 (en) * | 2020-08-06 | 2022-02-10 | 中国银联股份有限公司 | User binding relationship-based data processing method and system thereof |
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Application publication date: 20161116 |
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| RJ01 | Rejection of invention patent application after publication |