CN106339869A - Mobile phone payment verification method, server and system - Google Patents
Mobile phone payment verification method, server and system Download PDFInfo
- Publication number
- CN106339869A CN106339869A CN201610676603.2A CN201610676603A CN106339869A CN 106339869 A CN106339869 A CN 106339869A CN 201610676603 A CN201610676603 A CN 201610676603A CN 106339869 A CN106339869 A CN 106339869A
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- Prior art keywords
- terminal
- information
- checking
- payment
- server
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a mobile phone payment verification method, server and system, and is mainly used for solving the problems of pretending payment caused by losing of the mobile phone or replacing of the mobile phone numbers in the prior art so as to enhance the security of mobile payment. The scheme concretely comprises the steps that a payment platform receives payment information transmitted by a first terminal; the server of the payment platform determines a second terminal bound with the first terminal; the server generates first verification information and second verification information according to the payment information; the server transmits the first verification information and the second verification information to the first terminal and the second terminal respectively; the first terminal and the second terminal transmit a first verification reply for the first verification information and a second verification reply for the second verification information to the server respectively; the server acquires the first verification reply and the second verification reply; and if the verification replies meet the first verification information and the second verification information, payment operation is performed according to the payment information.
Description
Technical field
The present invention relates to the communications field, more particularly, to a kind of payment verification method, server and system.
Background technology
At present, mobile payment mode has become an indispensable part in people's daily life, is a kind of emerging goods
The behavior that coin pays or fund shifts.Mobile payment, i.e. mobile-phone payment, specifically refer to the both sides in transaction and made using mobile terminal
For carrier, by directly or indirectly sending payment information to financial institution, produce currency and pay or fund displacement behavior, complete to move
Dynamic payment.
In the prior art, the mode of quick payment is usually used to complete mobile payment.User, when buying commodity, needs
To there is provided the relevant information of bank card to payment platform, that is, card number, name in an account book and the phone number etc. with payment platform binding, pay
Platform to after financial institution's checking user's authenticity, produces checking information and is sent to user's binding according to bank's card number and name in an account book
In the phone number on payment platform, user after paying page input correct verification reply, put down with third party by payment platform
Platform carries out currency payment or fund shifts and to complete to pay.
After user mobile phone is lost or changed phone number, if the unmodified phone number with payment platform binding of user
When, there is the situation that other people pretend to be user to pay, cause user's economic loss.
Content of the invention
It is an object of the invention to: for the above-mentioned safety of payment problem occurring, the present invention proposes a kind of mobile-phone payment
Verification method, server and system, for strengthening security intensity during mobile-phone payment.
The technical solution used in the present invention is as follows:
A kind of mobile-phone payment verification method is it is characterised in that include: payment platform receives the disbursement letter that first terminal sends
Breath；The server of payment platform determines the second terminal with described first terminal binding；Server is given birth to according to described payment information
Become the first checking information and the second checking information；Server sends described first checking information to described first terminal, and to institute
State second terminal and send described second checking information；First terminal sends the first checking for the first checking information to server
Reply, the second checking that second terminal sends for the second checking information to server is replied；Server obtains described first and tests
Card is replied and the second checking is replied；If described checking reply meets described first checking information and described second checking information,
Then delivery operation is carried out according to described payment information.
Further, described payment platform, is a kind of platform for mobile-phone payment.
Further, described server generates the first checking information and the second checking information, bag according to described payment information
Include: server generates checking information according to described payment information, and described checking information is split as described first checking information
With described second checking information.
Further, the server in described payment platform determines the second terminal with described first terminal binding, comprising:
According to the terminal iidentification of described first terminal, the user with the second terminal of described first terminal binding obtaining storage believes
Breath.
Further, described payment information at least includes paying serial number, and after completing delivery operation, will be with described
Pay the corresponding result of information and be separately sent to described first terminal and described second terminal.
A kind of server it is characterised in that described server application in payment platform it is characterised in that include:
Receiving unit, for accepting the payment information that first terminal sends, and obtain for described first checking information and
The checking of the second checking information is replied；
Processing unit, for determining the second terminal with described first terminal binding, and connects according in described receiving unit
The payment information being subject to generates the first checking information and the second checking information；Described checking in getting described receiving unit is returned
Meet described first checking again to reply and the second checking reply, then described delivery operation is completed according to described payment information；
Transmitting element, for sending described first checking information in described processing unit to described first terminal, and to
Described second terminal sends the second authentication unit described in described processing unit.
Further, described processing unit, the first checking letter being generated according to the payment information that described receiving unit crowd inspires confidence in
Breath and the second checking information, and described checking information is split as described first checking information and described second checking information.
Further, described processing unit is according to the terminal iidentification of described first terminal, obtain storage with described the
The user profile of the second terminal of one terminal binding.
Further, the payment information that described server receives at least includes paying serial number, and completes delivery operation
Afterwards, result corresponding with described payment information is separately sent to described first terminal and described second terminal by transmitting element.
A kind of payment verifying system, including described server, and the first terminal that is respectively connected with described server and
Second terminal with the binding of described first terminal.
In sum, the invention provides a kind of payment verification method, server and system, during payment verification,
Determine the second terminal with first terminal binding, and respectively first terminal and second terminal are verified, use in this method
The method of double verification, can with effectively solving prior art because mobile phone is lost or emitting of changing that cell-phone number causes
Fill the problem of payment, improve the security of mobile payment.
Brief description
Fig. 1 is method flow diagram proposed by the present invention；
Fig. 2 is system construction drawing proposed by the present invention；
Fig. 3 is that the present invention proposes server architecture figure.
Specific embodiment
All features disclosed in this specification, in addition to mutually exclusive feature and/or step, all can be with any
Mode combines.
With reference to Fig. 1, Fig. 2 and Fig. 3, the present invention is elaborated.
The embodiment of the present invention provides payment verification method server to be applied to payment verifying system, described payment verification system
Unite for safety verification is carried out to the payment information of user, after being verified and third-party platform carries out delivery operation, thus carrying
The security of high mobile payment.
As shown in figure 1, being payment verification method flow diagram proposed by the present invention.Including: server receives first terminal and sends out
The payment information sending, and determine the second terminal with first terminal binding.Server generates the first checking letter according to payment information
Breath and the second checking information.Server sends the first checking information and the second checking letter to first terminal and second terminal respectively
Breath, obtains the checking for the first checking information and the second checking information simultaneously and replys.If checking reply meets the first checking letter
Breath and the second checking information, server then carries out delivery operation according to payment information.
Specifically, receive in the payment information that first terminal sends in server, when first terminal needs to put down with third party
When platform carries out delivery operation, payment information can be sent to server, first terminal in described payment information, can be included
User profile, and ask the contents such as the payment serial number of payment.Server is receiving the payment information of first terminal transmission
Afterwards, the authenticity of the initiator of this payment information indicated by payment information is verified, right to ensure this payment information institute
The authenticity of the delivery operation answered and security.
When determining the second terminal with first terminal binding, server can obtain according to the terminal iidentification of first terminal
Take the user profile with the second terminal of described first terminal binding of storage, the user profile of described second terminal can be wrapped
Include the user name of second terminal, the content such as terminal iidentification of second terminal.Wherein, the method for first terminal binding second terminal will
Subsequent embodiment elaborates.
When server generates the first checking information according to payment information, server generates the first checking according to payment information
Information, described first checking information can be dynamic payment cipher or preset transaction issues or trading password etc..Example
As server can generate random numerical ciphers using certain preset algorithm, it is possible to use preset other algorithms life
Become stochastic problem.
When server generates the second checking information according to payment information, the payment that server can obtain according to server
Serial number generates checking password, and is obtained and described payment serial number corresponding payment content according to described payment serial number, this
When, server can generate described second checking information according to described checking password and described payment content.In addition, described checking
Password can be dynamic payment cipher or preset transaction issues or trading password, or voice messaging etc..
When server sends the second checking information to second terminal respectively, after server generates the second checking information, clothes
Business device can send the second checking information to second terminal, carries out second payment verification process, to reaffirm payment information
The authenticity of indicated order and security.Specifically, the user profile of the described second terminal according to acquisition for the server, to
Described second terminal sends described second checking information.
When the checking obtaining for the first checking information and the second checking information in server is replied, server obtains and is directed to
The checking of described first checking information and described second checking information is replied.Described checking reply includes first son checking reply with
Second son checking is replied, and wherein, described first son checking is replied corresponding to described first checking information, and described second son is verified back
Again corresponding to described second checking information.
When server then carries out delivery operation according to payment information, server is replied according to the checking receiving and is sentenced
Disconnected, if checking reply meets the first checking information and the second checking information, server then can carry out propping up according to payment information
Pay operation, so far, server completes payment authentication by verification process twice, improves the security of mobile payment, reduces
Financial risks during mobile payment.
As shown in figure 3, being a kind of mobile-phone payment server proposed by the invention, comprising:
Receiving unit, for receiving the payment information of first terminal transmission；And obtain for described first checking information and
The checking of described second checking information is replied；
Processing unit, for determining the second terminal with described first terminal binding；And according in described receiving unit
Described payment information generates the first checking information and the second checking information；And if the described checking reply in described receiving unit
Meet described first checking information and described second checking information, then delivery operation is carried out according to described payment information；
Transmitting element, for sending described first checking information in described processing unit to described first terminal, and to
Described second terminal sends described second checking information in described processing unit.
Claims (10)
1. a kind of mobile-phone payment verification method is it is characterised in that include:
Payment platform receives the payment information that first terminal sends；
The server of payment platform determines the second terminal with described first terminal binding；
Server generates the first checking information and the second checking information according to described payment information；
Server sends described first checking information to described first terminal, and sends described second checking to described second terminal
Information；
The first checking that first terminal sends for the first checking information to server is replied, and second terminal sends pin to server
The second checking to the second checking information is replied；
Server obtains described first checking reply and the second checking is replied；
If described checking reply meets described first checking information and described second checking information, according to described payment information
Carry out delivery operation.
2. method according to claim 1, it is characterised in that described payment platform, is that the one kind for mobile-phone payment is put down
Platform.
3. method according to claim 1 is it is characterised in that described server is tested according to described payment information generation first
Card information and the second checking information, comprising: server generates checking information according to described payment information, and by described checking information
It is split as described first checking information and described second checking information.
4. method according to claim 1 is it is characterised in that the server in described payment platform determines and described first
The second terminal of terminal binding, comprising: according to the terminal iidentification of described first terminal, obtaining storage with described first terminal
The user profile of the second terminal of binding.
5. the method according to claim 1-6 it is characterised in that described payment information at least include pay serial number, and
After completing delivery operation, result corresponding with described payment information is separately sent to described first terminal and described second eventually
End.
6. a kind of server it is characterised in that described server application in payment platform it is characterised in that include:
Receiving unit, for accepting the payment information that first terminal sends, and obtains for described first checking information and second
The checking of checking information is replied；
Processing unit, for determining the second terminal with described first terminal binding, and according to acceptance in described receiving unit
Payment information generates the first checking information and the second checking information；Symbol is replied in described checking in getting described receiving unit
Close described first checking to reply and the second checking reply, then described delivery operation is completed according to described payment information；
Transmitting element, for sending described first checking information in described processing unit, and to described to described first terminal
Second terminal sends the second authentication unit described in described processing unit.
7. server according to claim 6, it is characterised in that described processing unit, inspires confidence according to described receiving unit crowd
Payment information generate the first checking information and the second checking information, and by described checking information be split as described first checking
Information and described second checking information.
8. server according to claim 6 is it is characterised in that described processing unit is according to the terminal of described first terminal
Mark, obtains the user profile with the second terminal of described first terminal binding of storage.
9. server according to claim 6 is it is characterised in that the payment information that described server receives at least includes propping up
Pay serial number, and after completing delivery operation, transmitting element will result corresponding with described payment information be separately sent to described
First terminal and described second terminal.
10. a kind of payment verifying system, including the server described in any one middle described in claim 6-9, and with described
First terminal and the second terminal with the binding of described first terminal that server is respectively connected with.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610676603.2A CN106339869A (en) | 2016-08-16 | 2016-08-16 | Mobile phone payment verification method, server and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610676603.2A CN106339869A (en) | 2016-08-16 | 2016-08-16 | Mobile phone payment verification method, server and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106339869A true CN106339869A (en) | 2017-01-18 |
Family
ID=57825686
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610676603.2A Pending CN106339869A (en) | 2016-08-16 | 2016-08-16 | Mobile phone payment verification method, server and system |
Country Status (1)
| Country | Link |
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| CN (1) | CN106339869A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108764927A (en) * | 2018-05-31 | 2018-11-06 | 维沃移动通信有限公司 | A kind of payment verification method, server and terminal |
| CN109345217A (en) * | 2018-08-15 | 2019-02-15 | 广州市康软信息科技有限公司 | A kind of Cost of Medical Treatment method, system and device based on mobile payment |
| CN111242605A (en) * | 2018-11-29 | 2020-06-05 | 中国移动通信集团广东有限公司 | Mobile payment method |
-
2016
- 2016-08-16 CN CN201610676603.2A patent/CN106339869A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108764927A (en) * | 2018-05-31 | 2018-11-06 | 维沃移动通信有限公司 | A kind of payment verification method, server and terminal |
| CN109345217A (en) * | 2018-08-15 | 2019-02-15 | 广州市康软信息科技有限公司 | A kind of Cost of Medical Treatment method, system and device based on mobile payment |
| CN109345217B (en) * | 2018-08-15 | 2022-06-03 | 广东康软科技股份有限公司 | Medical charging method, system and device based on mobile payment |
| CN111242605A (en) * | 2018-11-29 | 2020-06-05 | 中国移动通信集团广东有限公司 | Mobile payment method |
| CN111242605B (en) * | 2018-11-29 | 2023-09-19 | 中国移动通信集团广东有限公司 | Mobile payment method |
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| PB01 | Publication | ||
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170118 |