CN106529947A - Payment control method and server - Google Patents
Payment control method and server Download PDFInfo
- Publication number
- CN106529947A CN106529947A CN201610976625.0A CN201610976625A CN106529947A CN 106529947 A CN106529947 A CN 106529947A CN 201610976625 A CN201610976625 A CN 201610976625A CN 106529947 A CN106529947 A CN 106529947A
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- China
- Prior art keywords
- information
- payment
- carried
- server
- payer
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
Abstract
Disclosed in the invention is a server. The server comprises a receiving unit, a determination unit, and a payment unit. The receiving unit is used for receiving first information for representing a payment password of a payer account; the determination unit is used for determining whether the first information carries second information for representing that the payment corresponding to the first information is risk payment; and the payment unit is used for carrying out intervening processing on the corresponding payment when the first information carries the second information and the received payment password is checked successfully. In addition, the invention also discloses a payment control method.
Description
Technical field
The present invention relates to safe practice, more particularly to a kind of payment control method and server.
Background technology
With the extensive application of intelligent movable operating system, cloud computing etc., non-cash transaction is with its convenience and agility
The accreditation of masses has been obtained, a kind of mode of doing business of main flow has been increasingly becoming.However, this mode of doing business is also created to lawless person
Chance is made so that process of exchange does not produce believable transaction evidence in cryptography meaning, has easily increased user's fund and lose
Risk.
The content of the invention
In view of this, the embodiment of the present invention provides a kind of payment to solve at least one problem present in prior art
Control method and server.
What the technical scheme of the embodiment of the present invention was realized in：
A kind of server is embodiments provided, including：
Receiving unit, for receiving the first information；The first information characterizes the payment cipher of payer account；
Judging unit, for judging the second information whether is carried in the first information；Described in second information representation
The corresponding payment of the first information is paid for risk；
Payment unit, for working as second information that carries in the first information, and the payment cipher school for receiving
Test by when, to it is described it is corresponding payment carry out intervention process.
Alternatively, the payment unit, specifically for：
The corresponding amount of money is paid to the corresponding beneficiary of the first information, and follows the trail of the beneficiary account；
Or,
Freeze the payer account.
Alternatively, the judging unit, is additionally operable to the first information is matched with the 3rd information, works as mismatch
When, according to the subscription data of the payer, judge whether the payer is opened risk and pay intervention business；3rd letter
Cease the payment cipher for the locally stored payer account；And when the payer opens risk payment intervention business
When, the second information whether is carried in judging the first information.
Alternatively, the judging unit, specifically for：
According to preset rules, the 4th information is extracted from the first information；And judge the 4th information with described
Whether two information match, and when the 4th information is with second information matches, carry described in determining the first information
Second information.
Alternatively, the server, also includes：
Tip element, for when at least one following condition is met, sending information：
Second information is not carried in the first information；
The payment cipher for receiving is not validated；Wherein,
The information is used for the payment cipher mistake for pointing out to receive.
The embodiment of the present invention additionally provides a kind of payment control method, including：
Receive the first information；The first information characterizes the payment cipher of payer account；
Whether second information is carried in judging the first information；The first information described in second information representation is corresponding
Pay and pay for risk；
When carrying second information in the first information, and the payment cipher verification for receiving is when passing through, to institute
Stating corresponding payment carries out intervention process.
Alternatively, it is described that intervention process is carried out to the corresponding payment, including：
The corresponding amount of money is paid to the corresponding beneficiary of the first information, and follows the trail of the beneficiary account；
Or,
Freeze the payer account.
Alternatively, it is described judge the first information in whether carry second information before, methods described also includes：
The first information is matched with the 3rd information, when mismatching, according to the subscription data of the payer,
Judge whether the payer is opened risk and pay intervention business；3rd information is the locally stored payer account
Payment cipher；
When the payer opens risk pays intervention business, in judging the first information, the second letter whether is carried
Breath.
Alternatively, it is described judge the first information in whether carry the second information, including：
According to preset rules, the 4th information is extracted from the first information；
Judge whether the 4th information is matched with second information, when the 4th information and second information
Timing, carries second information in determining the first information.
Alternatively, methods described also includes：
When meeting at least one following condition, information is sent：
Second information is not carried in the first information；
The payment cipher for receiving is not validated；Wherein,
The information is used for the payment cipher mistake for pointing out to receive.
In the embodiment of the present invention, the first information is received；The first information characterizes the payment cipher of payer account；Judge
Whether second information is carried in the first information；The first information described in second information representation is corresponding to be paid as risk
Pay；When carrying second information in the first information, and the payment cipher verification for receiving is when passing through, to the correspondence
Payment carry out intervention process, carry the second information by way of server can be allowed to know that user does not really want to carry out
Transaction, and then intervention process is carried out to transaction, thus, can guarantee that the security of user's fund.
Description of the drawings
Fig. 1 is a kind of server architecture schematic diagram provided in an embodiment of the present invention；
Fig. 2 is another kind of server architecture schematic diagram provided in an embodiment of the present invention；
Fig. 3 is the payment control method schematic flow sheet that the embodiment of the present invention four is provided；
Fig. 4 is the payment control method schematic flow sheet that the embodiment of the present invention five is provided；
Fig. 5 is the payment control method schematic flow sheet that the embodiment of the present invention six is provided.
Specific embodiment
It should be appreciated that specific embodiment described herein is not used to only to explain technical scheme
Limit protection scope of the present invention.
The mobile terminal of each embodiment of the invention is realized referring now to Description of Drawings.In follow-up description, use
For representing the suffix of such as " module ", " part " or " unit " of element only for being conducive to the explanation of the present invention, itself
Not specific meaning.Therefore, " module " mixedly can be used with " part ".
In various embodiments of the present invention：Receive the first information；The first information characterizes the payment of payer account
Password；Whether second information is carried in judging the first information；Corresponding of the first information described in second information representation
Pay and pay for risk；When carrying second information in the first information, and the payment cipher verification for receiving is when passing through,
Intervention process is carried out to the corresponding payment.
Embodiment one
The embodiment of the present invention provides a kind of server, as shown in figure 1, the server includes：
Receiving unit 11, for receiving the first information；The first information characterizes the payment cipher of payer account；
Judging unit 12, for judging the second information whether is carried in the first information；The second information representation institute
State corresponding payment of the first information to pay for risk；
Payment unit 13, for working as second information that carries in the first information, and the payment cipher for receiving
When verification passes through, intervention process is carried out to the corresponding payment.
Wherein, during practical application, a kind of application scenarios are：User is required by Web bank in the case of unwilled
The mode of (application program of issued by banks) is transferred accounts to another account, and in this case, the server can be：
The server of banking system；Another kind of application scenarios are：User is (such as micro- by third-party application in the case of unwilled
Letter, Alipay etc.) mode transferred accounts to another account, in this case, the server can be：Third party should
Server.
Certainly, the difference according to application scenarios, the server can also be that other can realize embodiment of the present invention work(
The server of energy.
In one embodiment, the judging unit 12, specifically for：
According to preset rules, the 4th information is extracted from the first information；And judge the 4th information with described
Whether two information match, and when the 4th information is with second information matches, carry described in determining the first information
Second information.
Here, during practical application, the preset rules can need to arrange, as long as allow
A kind of rule, for giving an example, it is assumed that preset rules are：Increase the check number of a setting behind payment cipher
Word, the check digit characterize corresponding payment of the first information and pay for risk；So, when the receiving unit 11 is received
To after the first information, the judging unit 12 can extract the check digit after payment cipher from the first information for receiving,
And matched with locally stored check digit, to judge second information whether is carried in the first information.
For by way of further example, both sides have arranged to use identical digital signature encryption mode to payment cipher, then described to connect
The first information for receiving the reception of unit 11 is the payment cipher after digital signature, when the judging unit 12 understands the number to receiving
Payment cipher after word signature is adopted, to judge whether carry described in the first information
Second information.Here, in this fashion, after signature verification passes through, in just illustrating the first information, carry described
Two information.
When the 4th information is mismatched with second information, described second in determining the first information, is not carried
Information.
When second information being carried in the first information, illustrate that the user is not intended to really go to carry out this
Transaction, needs carry out intervention process to the transaction.
The payment unit 13, specifically for：
The corresponding amount of money is paid to the corresponding beneficiary of the first information, and follows the trail of the beneficiary account；
Or,
Freeze the payer account.
Here, during practical application, the tracking beneficiary account can be：Obtain the letter of the beneficiary account
Breath, such as：Bank card account, Alipay account of real-name authentication etc. can trace the information of the beneficiary information, so as to
Believable transaction evidence in cryptography meaning is produced, is that subsequently to recover fund ready.
Server provided in an embodiment of the present invention, receives the first information；The first information characterizes propping up for payer account
Pay password；Whether second information is carried in judging the first information；The first information described in second information representation is corresponding
Pay and pay for risk；When carrying second information in the first information, and the payment cipher verification for receiving passes through
When, intervention process is carried out to the corresponding payment, by way of carrying the second information server can be allowed to know user simultaneously
Really do not want to be traded, and then intervention process is carried out to transaction, thus, can guarantee that the security of user's fund.
Embodiment two
The present invention applies example and proposes a kind of server, as shown in figure 1, the server includes：
Receiving unit 11, for receiving the first information；The first information characterizes the payment cipher of payer account；
Judging unit 12, for judging the second information whether is carried in the first information；The second information representation institute
State corresponding payment of the first information to pay for risk；
Payment unit 13, for working as second information that carries in the first information, and the payment cipher for receiving
When verification passes through, intervention process is carried out to the corresponding payment.
Wherein, during practical application, a kind of application scenarios are：User is required by Web bank in the case of unwilled
The mode of (application program of issued by banks) is transferred accounts to another account, and in this case, the server can be：
The server of banking system；Another kind of application scenarios are：User is (such as micro- by third-party application in the case of unwilled
Letter, Alipay etc.) mode transferred accounts to another account, in this case, the server can be：Third party should
Server.
Certainly, the difference according to application scenarios, the server can also be that other can realize embodiment of the present invention work(
The server of energy.
The judging unit 12, before whether carrying the second information in being additionally operable to judge the first information, by described
One information is matched with the 3rd information, when mismatching, according to the subscription data of the payer, judges that the payer is
No risk of opening pays intervention business；3rd information is the payment cipher of the locally stored payer account；And,
When the payer opens risk pays intervention business, in judging the first information, the second letter whether is carried
Breath.
Wherein, during practical application, in the case of user's arm's length dealing, the payment cipher of user input is it could also be possible that mistake
By mistake, thus in order to avoid when such case occurs the judging unit 12 go the problem for dealing with, i.e. propping up when user input
Pay code error, and user is not when opening risk and paying intervention business, it is to avoid the triggering judging unit 12 goes to judge institute
The second information whether is carried in stating the first information, needs the judging unit 12 first to go to inquire about whether user has opened risk payment
Whether intervention business, if having opened risk pays intervention business, then carry the second information in going to judge the first information.
When the subscription data according to the payer, the judging unit 12 determines that the payer does not open risk payment
During intervention business, it is believed that be the payment cipher mistake of user input, and do not spend judge the first information in whether take
The second information of band.
In one embodiment, the judging unit 12, specifically for：
According to preset rules, the 4th information is extracted from the first information；And judge the 4th information with described
Whether two information match, and when the 4th information is with second information matches, carry described in determining the first information
Second information.
Here, during practical application, the preset rules can need to arrange, as long as allow
A kind of rule, for giving an example, it is assumed that preset rules are：Increase the check number of a setting behind payment cipher
Word, the check digit characterize corresponding payment of the first information and pay for risk；So, when the receiving unit 11 is received
To after the first information, the judging unit 12 can extract the check digit after payment cipher from the first information for receiving,
And matched with locally stored check digit, to judge second information whether is carried in the first information.
For by way of further example, both sides have arranged to use identical digital signature encryption mode to payment cipher, then described to connect
The first information for receiving the reception of unit 11 is the payment cipher after digital signature, when the judging unit 12 understands the number to receiving
Payment cipher after word signature is adopted, to judge whether carry described in the first information
Second information.Here, in this fashion, after signature verification passes through, in just illustrating the first information, carry described
Two information.
When the 4th information is mismatched with second information, described second in determining the first information, is not carried
Information.
When second information being carried in the first information, illustrate that the user is not intended to really go to carry out this
Transaction, needs carry out intervention process to the transaction.
The payment unit 13, specifically for：
The corresponding amount of money is paid to the corresponding beneficiary of the first information, and follows the trail of the beneficiary account；
Or,
Freeze the payer account.
Here, during practical application, the tracking beneficiary account can be：Obtain the letter of the beneficiary account
Breath, such as：Bank card account, Alipay account of real-name authentication etc. can trace the information of the beneficiary information, so as to
Believable transaction evidence in cryptography meaning is produced, is that subsequently to recover fund ready.
Server provided in an embodiment of the present invention, receives the first information；The first information characterizes propping up for payer account
Pay password；Whether second information is carried in judging the first information；The first information described in second information representation is corresponding
Pay and pay for risk；When carrying second information in the first information, and the payment cipher verification for receiving passes through
When, intervention process is carried out to the corresponding payment, by way of carrying the second information server can be allowed to know user simultaneously
Really do not want to be traded, and then intervention process is carried out to transaction, thus, can guarantee that the security of user's fund.
Embodiment three
The present invention applies example and proposes a kind of server, as shown in Fig. 2 the server includes：
Receiving unit 11, for receiving the first information；The first information characterizes the payment cipher of payer account；
Judging unit 12, for judging the second information whether is carried in the first information；The second information representation institute
State corresponding payment of the first information to pay for risk；
Payment unit 13, for working as second information that carries in the first information, and the payment cipher for receiving
When verification passes through, intervention process is carried out to the corresponding payment；
Tip element 14, for when at least one following condition is met, sending information：
Second information is not carried in the first information；
The payment cipher for receiving is not validated；Wherein,
The information is used for the payment cipher mistake for pointing out to receive.
Wherein, during practical application, a kind of application scenarios are：User is required by Web bank in the case of unwilled
The mode of (application program of issued by banks) is transferred accounts to another account, and in this case, the server can be：
The server of banking system；Another kind of application scenarios are：User is (such as micro- by third-party application in the case of unwilled
Letter, Alipay etc.) mode transferred accounts to another account, in this case, the server can be：Third party should
Server.
Certainly, the difference according to application scenarios, the server can also be that other can realize embodiment of the present invention work(
The server of energy.
In one embodiment, the judging unit 12, specifically for：
According to preset rules, the 4th information is extracted from the first information；And judge the 4th information with described
Whether two information match, and when the 4th information is with second information matches, carry described in determining the first information
Second information.
Here, during practical application, the preset rules can need to arrange, as long as allow
A kind of rule, for giving an example, it is assumed that preset rules are：Increase the check number of a setting behind payment cipher
Word, the check digit characterize corresponding payment of the first information and pay for risk；So, when the receiving unit 11 is received
To after the first information, the judging unit 12 can extract the check digit after payment cipher from the first information for receiving,
And matched with locally stored check digit, to judge second information whether is carried in the first information.
For by way of further example, both sides have arranged to use identical digital signature encryption mode to payment cipher, then described to connect
The first information for receiving the reception of unit 11 is the payment cipher after digital signature, when the judging unit 12 understands the number to receiving
Payment cipher after word signature is adopted, to judge whether carry described in the first information
Second information.Here, in this fashion, after signature verification passes through, in just illustrating the first information, carry described
Two information.
When the 4th information is mismatched with second information, described second in determining the first information, is not carried
Information.
Two as can be seen that the not validated situation of the payment cipher for receiving can include in conjunction with the embodiments：
The first, the first information and the 3rd information are mismatched, and according to the subscription data of the payer, determine institute
State payer and do not open risk payment intervention business.
Second, in the first information, carry the second information, but the payment cipher carried in the first information
Mismatch with the 3rd information.
Wherein, the 3rd information is the payment cipher of the locally stored payer account.
Certainly, when Tip element 14 have issued the information, Fail Transaction, therefore the payment unit 13 are shown
Any process (including that payment processes and intervention are processed) will not be carried out.
When second information being carried in the first information, illustrate that the user is not intended to really go to carry out this
Transaction, needs carry out intervention process to the transaction.
The payment unit 13, specifically for：
The corresponding amount of money is paid to the corresponding beneficiary of the first information, and follows the trail of the beneficiary account；
Or,
Freeze the payer account.
Here, during practical application, the tracking beneficiary account can be：Obtain the letter of the beneficiary account
Breath, such as：Bank card account, Alipay account of real-name authentication etc. can trace the information of the beneficiary information, so as to
Believable transaction evidence in cryptography meaning is produced, is that subsequently to recover fund ready.
Server provided in an embodiment of the present invention, receives the first information；The first information characterizes propping up for payer account
Pay password；Whether second information is carried in judging the first information；The first information described in second information representation is corresponding
Pay and pay for risk；When carrying second information in the first information, and the payment cipher verification for receiving passes through
When, intervention process is carried out to the corresponding payment, by way of carrying the second information server can be allowed to know user simultaneously
Really do not want to be traded, and then intervention process is carried out to transaction, thus, can guarantee that the security of user's fund.
In addition, when at least one following condition is met, sending information：Described is not carried in the first information
Two information；The payment cipher for receiving is not validated；Wherein, the information is used to point out the payment cipher for receiving wrong
By mistake, such user can recognize the disposition of transaction in time, increased Consumer's Experience.
It should be noted that：In the server provided by the embodiment of the present invention, the receiving unit 11 and the prompting are single
Unit can be realized by the communication chip in server；The judging unit can by the central processing unit in the server (CPU,
Central Processing Unit), microprocessor (MCU, Micro Control Unit), digital signal processor (DSP,
Digital Signal Processor) or programmable logic array (FPGA, Field-Programmable Gate
Array) realize；The Tip element 14 can be realized with reference to communication chip by CPU, MCU, DSP or the FPGA in server.
Example IV
It is corresponding with aforementioned embodiment one, a stream of the payment control method of the server implementation that the present embodiment is recorded
Journey schematic diagram is as shown in figure 3, comprise the following steps：
Step 301：Receive the first information；
Here, the first information characterizes the payment cipher of payer account.
Step 302：Whether second information is carried in judging the first information；
Here, the corresponding payment of the first information described in second information representation is paid for risk.
Specifically, the server extracts the 4th information from the first information according to preset rules；And judge described
Whether the 4th information is matched with second information, when the 4th information is with second information matches, determines described
Second information is carried in one information.
Here, during practical application, the preset rules can need to arrange, as long as allow
A kind of rule, for giving an example, it is assumed that preset rules are：Increase the check number of a setting behind payment cipher
Word, the check digit characterize corresponding payment of the first information and pay for risk；So, when the server receives institute
After stating the first information, the server can extract the check digit after payment cipher from the first information for receiving, and with it is local
The check digit of storage is matched, to judge second information whether is carried in the first information.
For by way of further example, both sides have arranged to use identical digital signature encryption mode to payment cipher, then the clothes
Business device receive the first information be digital signature after payment cipher, when the server can to receive digital signature after
Payment cipher adopt, to judge second letter whether is carried in the first information
Breath.Here, in this fashion, after signature verification passes through, in just illustrating the first information, carry second information.
When the 4th information is mismatched with second information, described second in determining the first information, is not carried
Information.
Step 303：When carrying second information in the first information, and the payment cipher verification for receiving passes through
When, intervention process is carried out to the corresponding payment.
Specifically, the corresponding amount of money is paid to the corresponding beneficiary of the first information, and follow the trail of the beneficiary account；
Or,
Freeze the payer account.
Here, when second information is carried in the first information, illustrate the user be not intended to really to go into
Capable this transaction, needs carry out intervention process to the transaction.
During practical application, the tracking beneficiary account can be：The information of the beneficiary account is obtained, than
Such as：Bank card account, Alipay account of real-name authentication etc. can trace the information of the beneficiary information, close to produce
Code learns believable transaction evidence in meaning, is that subsequently to recover fund ready.
Method provided in an embodiment of the present invention, receives the first information；The first information characterizes the payment of payer account
Password；Whether second information is carried in judging the first information；Corresponding of the first information described in second information representation
Pay and pay for risk；When carrying second information in the first information, and the payment cipher verification for receiving is when passing through,
Intervention process is carried out to the corresponding payment, by way of carrying the second information server can be allowed to know that user is not true
Just want to be traded, and then intervention process is carried out to transaction, thus, can guarantee that the security of user's fund.
Embodiment five
It is corresponding with aforementioned embodiment two, one of the screen lighting method that the mobile terminal that the present embodiment is recorded is implemented
Schematic flow sheet is as shown in figure 4, comprise the following steps：
Step 401：Receive the first information；
Here, the first information characterizes the payment cipher of payer account.
Step 402：The first information is matched with the 3rd information；
Here, the 3rd information is the payment cipher of the locally stored payer account.
Step 403：When mismatching, according to the subscription data of the payer, judge whether the payer opens wind
Danger pays intervention business；
Wherein, during practical application, in the case of user's arm's length dealing, the payment cipher of user input is it could also be possible that mistake
By mistake, thus in order to avoid when such case occurs the server go the problem for dealing with, i.e., when the payment of user input is close
Code mistake, and user is not when opening risk and paying intervention business, it is to avoid the triggering server goes to judge that described first believes
The second information whether is carried in breath, needs the server first to go to inquire about whether user has opened risk payment intervention business, such as
Fruit has been opened risk and has paid intervention business, then whether carries the second information in going to judge the first information.
When the subscription data according to the payer, the server determines that the payer is not opened risk and paid intervenes
During business, it is believed that be the payment cipher mistake of user input, and do not spend judge the first information in whether carry
Two information, i.e. execution step 404.
Step 404：When risk payment intervention business is opened, in judging the first information, the second information whether is carried；
Here, the corresponding payment of the first information described in second information representation is paid for risk.
Specifically, the server extracts the 4th information from the first information according to preset rules；And judge described
Whether the 4th information is matched with second information, when the 4th information is with second information matches, determines described
Second information is carried in one information.
Here, during practical application, the preset rules can need to arrange, as long as allow
A kind of rule, for giving an example, it is assumed that preset rules are：Increase the check number of a setting behind payment cipher
Word, the check digit characterize corresponding payment of the first information and pay for risk；So, when the server receives institute
After stating the first information, the server can extract the check digit after payment cipher from the first information for receiving, and with it is local
The check digit of storage is matched, to judge second information whether is carried in the first information.
For by way of further example, both sides have arranged to use identical digital signature encryption mode to payment cipher, then the clothes
Business device receive the first information be digital signature after payment cipher, when the server can to receive digital signature after
Payment cipher adopt, to judge second letter whether is carried in the first information
Breath.Here, in this fashion, after signature verification passes through, in just illustrating the first information, carry second information.
When the 4th information is mismatched with second information, described second in determining the first information, is not carried
Information.
Step 405：When carrying second information in the first information, and the payment cipher verification for receiving passes through
When, intervention process is carried out to the corresponding payment.
Specifically, the corresponding amount of money is paid to the corresponding beneficiary of the first information, and follow the trail of the beneficiary account；
Or,
Freeze the payer account.
Here, when second information is carried in the first information, illustrate the user be not intended to really to go into
Capable this transaction, needs carry out intervention process to the transaction.
During practical application, the tracking beneficiary account can be：The information of the beneficiary account is obtained, than
Such as：Bank card account, Alipay account of real-name authentication etc. can trace the information of the beneficiary information, close to produce
Code learns believable transaction evidence in meaning, is that subsequently to recover fund ready.
Method provided in an embodiment of the present invention, receives the first information；The first information characterizes the payment of payer account
Password；Whether second information is carried in judging the first information；Corresponding of the first information described in second information representation
Pay and pay for risk；When carrying second information in the first information, and the payment cipher verification for receiving is when passing through,
Intervention process is carried out to the corresponding payment, by way of carrying the second information server can be allowed to know that user is not true
Just want to be traded, and then intervention process is carried out to transaction, thus, can guarantee that the security of user's fund.
Embodiment six
It is corresponding with aforementioned embodiment three, a stream of the payment control method of the server implementation that the present embodiment is recorded
Journey schematic diagram is as shown in figure 5, comprise the following steps：
Step 501：Receive the first information；
Here, the first information characterizes the payment cipher of payer account.
Step 502：Whether second information is carried in judging the first information；
Here, the corresponding payment of the first information described in second information representation is paid for risk.
Specifically, the server extracts the 4th information from the first information according to preset rules；And judge described
Whether the 4th information is matched with second information, when the 4th information is with second information matches, determines described
Second information is carried in one information.
Here, during practical application, the preset rules can need to arrange, as long as allow
A kind of rule, for giving an example, it is assumed that preset rules are：Increase the check number of a setting behind payment cipher
Word, the check digit characterize corresponding payment of the first information and pay for risk；So, when the server receives institute
After stating the first information, the server can extract the check digit after payment cipher from the first information for receiving, and with it is local
The check digit of storage is matched, to judge second information whether is carried in the first information.
For by way of further example, both sides have arranged to use identical digital signature encryption mode to payment cipher, then the clothes
Business device receive the first information be digital signature after payment cipher, when the server can to receive digital signature after
Payment cipher adopt, to judge second letter whether is carried in the first information
Breath.Here, in this fashion, after signature verification passes through, in just illustrating the first information, carry second information.
When the 4th information is mismatched with second information, described second in determining the first information, is not carried
Information.
Step 503a：When carrying second information in the first information, and the payment cipher verification for receiving is logical
It is out-of-date, intervention process is carried out to the corresponding payment；
Specifically, the corresponding amount of money is paid to the corresponding beneficiary of the first information, and follow the trail of the beneficiary account；
Or,
Freeze the payer account.
Here, when second information is carried in the first information, illustrate the user be not intended to really to go into
Capable this transaction, needs carry out intervention process to the transaction.
During practical application, the tracking beneficiary account can be：The information of the beneficiary account is obtained, than
Such as：Bank card account, Alipay account of real-name authentication etc. can trace the information of the beneficiary information, close to produce
Code learns believable transaction evidence in meaning, is that subsequently to recover fund ready.
Step 503b：Send information.
Here, when at least one following condition is met, send the information：
Second information is not carried in the first information；
The payment cipher for receiving is not validated；Wherein,
The information is used for the payment cipher mistake for pointing out to receive.
Five as can be seen that the not validated situation of the payment cipher for receiving can include in conjunction with the embodiments：
The first, the first information and the 3rd information are mismatched, and according to the subscription data of the payer, determine institute
State payer and do not open risk payment intervention business.
Second, in the first information, carry the second information, but the payment cipher carried in the first information
Mismatch with the 3rd information.
Wherein, the 3rd information is the payment cipher of the locally stored payer account.
Certainly, when the server have issued the information, show Fail Transaction, therefore the server will not
Carry out follow-up any process (including that payment processes and intervention are processed).
Method provided in an embodiment of the present invention, receives the first information；The first information characterizes the payment of payer account
Password；Whether second information is carried in judging the first information；Corresponding of the first information described in second information representation
Pay and pay for risk；When carrying second information in the first information, and the payment cipher verification for receiving is when passing through,
Intervention process is carried out to the corresponding payment, by way of carrying the second information server can be allowed to know that user is not true
Just want to be traded, and then intervention process is carried out to transaction, thus, can guarantee that the security of user's fund.
In addition, when at least one following condition is met, sending information：Described is not carried in the first information
Two information；The payment cipher for receiving is not validated；Wherein, the information is used to point out the payment cipher for receiving wrong
By mistake, such user can recognize the disposition of transaction in time, increased Consumer's Experience.
It should be understood that " one embodiment " or " embodiment " that specification is mentioned in the whole text means relevant with embodiment
Special characteristic, structure or characteristic are included at least one embodiment of the present invention.Therefore, occur in entire disclosure everywhere
" in one embodiment " or " in one embodiment " not necessarily refers to identical embodiment.Additionally, these specific feature, knots
Structure or characteristic can be combined in one or more embodiments in any suitable manner.It should be understood that in the various enforcements of the present invention
In example, the size of the sequence number of above-mentioned each process is not meant to the priority of execution sequence, and the execution sequence of each process should be with its work(
Can determine with internal logic, and any restriction should not be constituted to the implementation process of the embodiment of the present invention.The embodiments of the present invention
Sequence number is for illustration only, does not represent the quality of embodiment.
It should be noted that herein, term " including ", "comprising" or its any other variant are intended to non-row
His property is included, so that a series of process, method, article or device including key elements not only include those key elements, and
And also include other key elements being not expressly set out, or also include for this process, method, article or device institute inherently
Key element.In the absence of more restrictions, the key element for being limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
Also there is other identical element in the process of key element, method, article or device.
In several embodiments provided herein, it should be understood that disclosed apparatus and method, which can be passed through
Its mode is realized.Apparatus embodiments described above are only schematic, and for example, the division of the unit is only
A kind of division of logic function, can have other dividing mode, such as when actually realizing：Multiple units or component can be combined, or
Another system is desirably integrated into, or some features can be ignored, or do not performed.In addition, shown or discussed each composition portion
Coupling point each other or direct-coupling or communication connection can be the INDIRECT COUPLINGs by some interfaces, equipment or unit
Or communication connection, can be electrical, machinery or other forms.
The above-mentioned unit as separating component explanation can be, or may not be it is physically separate, it is aobvious as unit
The part for showing can be, or may not be physical location；Both may be located at one it is local, it is also possible to be distributed to multiple network lists
In unit；Part or all of unit therein can be selected according to the actual needs to realize the purpose of this embodiment scheme.
In addition, each functional unit in various embodiments of the present invention can be fully integrated in a processing unit, also may be used
Being each unit individually as a unit, it is also possible to which two or more units are integrated in a unit；It is above-mentioned
Integrated unit both can be realized in the form of hardware, it would however also be possible to employ hardware adds the form of SFU software functional unit to realize.
One of ordinary skill in the art will appreciate that：Realize that all or part of step of said method embodiment can pass through
Completing, aforesaid program can be stored in computer read/write memory medium the related hardware of programmed instruction, and the program exists
During execution, the step of including said method embodiment is performed；And aforesaid storage medium includes：Movable storage device, read-only deposit
Reservoir (ROM, Read Only Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
Or, if the above-mentioned integrated unit of the present invention is realized and as independent product using in the form of software function module
When sale or use, it is also possible to be stored in a computer read/write memory medium.Based on such understanding, the present invention is implemented
The part that the technical scheme of example is substantially contributed to prior art in other words can be embodied in the form of software product,
The computer software product is stored in a storage medium, and using including some instructions so that computer equipment (can be with
It is personal computer, server or network equipment etc.) perform all or part of each embodiment methods described of the invention.
And aforesaid storage medium includes：Movable storage device, ROM, magnetic disc or CD etc. are various can be with Jie of store program codes
Matter.
The above, the only specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all be contained
Cover within protection scope of the present invention.Therefore, protection scope of the present invention should be defined by the scope of the claims.
Claims (10)
1. a kind of server, it is characterised in that the server includes：
Receiving unit, for receiving the first information；The first information characterizes the payment cipher of payer account；
Judging unit, for judging the second information whether is carried in the first information；First described in second information representation
The corresponding payment of information is paid for risk；
Payment unit, for working as second information that carries in the first information, and the payment cipher verification for receiving is logical
It is out-of-date, intervention process is carried out to the corresponding payment.
2. server according to claim 1, it is characterised in that the payment unit, specifically for：
The corresponding amount of money is paid to the corresponding beneficiary of the first information, and follows the trail of the beneficiary account；
Or,
Freeze the payer account.
3. server according to claim 1, it is characterised in that
The judging unit, is additionally operable to the first information is matched with the 3rd information, when mismatching, according to described
The subscription data of side is paid, judges whether the payer is opened risk and pay intervention business；3rd information is locally stored
The payer account payment cipher；And when the payer is opened risk and pays intervention business, judge described the
Whether second information is carried in one information.
4. server according to claim 1, it is characterised in that the judging unit, specifically for：
According to preset rules, the 4th information is extracted from the first information；And judge the 4th information with the described second letter
Whether breath matches, and when the 4th information is with second information matches, described second is carried in determining the first information
Information.
5. the server according to any one of Claims 1-4, it is characterised in that the server, also includes：
Tip element, for when at least one following condition is met, sending information：
Second information is not carried in the first information；
The payment cipher for receiving is not validated；Wherein,
The information is used for the payment cipher mistake for pointing out to receive.
6. it is a kind of to pay control method, it is characterised in that methods described includes：
Receive the first information；The first information characterizes the payment cipher of payer account；
Whether second information is carried in judging the first information；The corresponding payment of the first information described in second information representation
Pay for risk；
When carrying second information in the first information, and the payment cipher verification for receiving is when passing through, to described right
The payment answered carries out intervention process.
7. method according to claim 6, it is characterised in that described to carry out intervention process to the corresponding payment, wraps
Include：
The corresponding amount of money is paid to the corresponding beneficiary of the first information, and follows the trail of the beneficiary account；
Or,
Freeze the payer account.
8. method according to claim 6, it is characterised in that it is described judge the first information in whether carry described
Before two information, methods described also includes：
The first information is matched with the 3rd information, when mismatching, according to the subscription data of the payer, is judged
Whether the payer is opened risk and pays intervention business；3rd information is propping up for the locally stored payer account
Pay password；
When the payer opens risk pays intervention business, in judging the first information, the second information whether is carried.
9. method according to claim 6, it is characterised in that it is described judge the first information in whether carry the second letter
Breath, including：
According to preset rules, the 4th information is extracted from the first information；
Judge whether the 4th information is matched with second information, when the 4th information and second information matches
When, second information is carried in determining the first information.
10. the method according to any one of claim 6 to 9, it is characterised in that methods described also includes：
When meeting at least one following condition, information is sent：
Second information is not carried in the first information；
The payment cipher for receiving is not validated；Wherein,
The information is used for the payment cipher mistake for pointing out to receive.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610976625.0A CN106529947A (en) | 2016-10-28 | 2016-10-28 | Payment control method and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610976625.0A CN106529947A (en) | 2016-10-28 | 2016-10-28 | Payment control method and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106529947A true CN106529947A (en) | 2017-03-22 |
Family
ID=58350240
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610976625.0A Pending CN106529947A (en) | 2016-10-28 | 2016-10-28 | Payment control method and server |
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Cited By (1)
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|---|---|---|---|---|
| CN107085791A (en) * | 2017-04-19 | 2017-08-22 | 深圳市金立通信设备有限公司 | A kind of electric paying method and terminal |
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Application publication date: 20170322 |