CN107239955A - The method of reinforcement bank account safety of payment based on Beidou satellite navigation system - Google Patents
The method of reinforcement bank account safety of payment based on Beidou satellite navigation system Download PDFInfo
- Publication number
- CN107239955A CN107239955A CN201710475104.1A CN201710475104A CN107239955A CN 107239955 A CN107239955 A CN 107239955A CN 201710475104 A CN201710475104 A CN 201710475104A CN 107239955 A CN107239955 A CN 107239955A
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- China
- Prior art keywords
- payment
- navigation system
- pay
- satellite navigation
- information
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
-
- 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
-
- 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
-
- 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
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
-
- 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
Abstract
The present invention relates to a kind of method of the reinforcement bank account safety of payment based on Beidou satellite navigation system, including：1st, payment terminals, which are produced, pays request；2nd, Beidou satellite navigation system sends payment verification information to bank information center；3rd, whether the location information of payment terminals is consistent with the location information of user terminal in the payment verification information of bank information center judgment step 2, if meeting, and carries out step 4, if not meeting, authority to pay is asked whether to user terminal；4th, bank information center judges whether payment expense exceedes setting limit, if not exceeded, then carrying out step 5, if exceeding, authority to pay is asked whether to user terminal；5th, payment terminals complete to pay by password.Compared with prior art, the present invention further provides the spatial information checking of loco on the basis of existing payment verification, effectively protects financial security of user when using quick payment, has the advantages that to prevent finance from stealing brush fraudulent act.
Description
Technical field
The present invention relates to a kind of safe payment method, more particularly, to a kind of reinforcement silver based on Beidou satellite navigation system
The method of row bill payment safety.
Background technology
Bank paying typically has payment certain terminal and Mobile payment terminal.
Under the mode of the quick payments such as Alipay, wechat, Jingdone district wallet, QQ wallets, Baidu's wallet, finance is stolen brush, taken advantage of
The event deceived is of common occurrence, and no small economic loss is brought to the user using quick payment.Currently, various payment platforms
Safety verification mode only has 6 password this authentication process itselfs of input, and it is obvious that this steals brush, deception event for prevention finance
It is inadequate.
Beidou satellite navigation system is that China is conceived to national security and socio-economic development needs, autonomous to build, independently
The satellite navigation system of operation, is to provide round-the-clock, round-the-clock, high-precision positioning, navigation and time service service for Global Subscriber
National important space infrastructure.With dipper system construction and the development of service ability, Related product is widely used to
Communications and transportation, sea fishery, hydrologic monitoring, weather forecast, mapping geography information, forest fire protection, communication when system, power scheduling,
The fields such as disaster relief mitigation, emergency rescue, progressively penetrate into the every aspect that human society production and people live, are global economy
New vitality is injected with social development.
Current application or blank of the Beidou satellite navigation system in terms of bank account payment, if being defended using the Chinese Big Dipper
Star navigation system, on the one hand can be by the short message function of big-dipper satellite, further automatic checking encryption measures of increase；It is another
Aspect, has positioning, timing function by big-dipper satellite, and energy fast accurate confirms that time, address and the Big Dipper of financial transaction are defended
Whether the time of star location client, address are consistent.So, the security of financial payment had both been added, anti-finance has also been opened and takes advantage of
The new technology path deceived.
The content of the invention
It is an object of the present invention to overcome the above-mentioned drawbacks of the prior art and provide one kind is based on big-dipper satellite
The method of the reinforcement bank account safety of payment of navigation system.
The purpose of the present invention can be achieved through the following technical solutions：
The method of reinforcement bank account safety of payment based on Beidou satellite navigation system, including：
S1, payment terminals, which are produced, pays request；
S2, Beidou satellite navigation system send payment verification information to bank information center；
In S3, bank information center judgment step S2 payment verification information the location information of payment terminals whether with user terminal
Location information is consistent, if meeting, and carries out step S4, if not meeting, authority to pay is asked whether to user terminal；
S4, bank information center judge whether payment expense exceedes setting limit, if not exceeded, step S5 is then carried out, if
Exceed, then ask whether authority to pay to user terminal；
S5, payment terminals complete to pay by password.
The payment verification information of the step S2 includes the location information, the location information of payment terminals, disbursement letter of user terminal
Breath.
The step S3 is specifically included：Bank information center judges the location information of user terminal and the location information of payment terminals
Between deviation whether in setting range, if in setting range, carrying out step S4；If more than setting range, to
Family end asks whether authority to pay.
It is described to ask whether that authority to pay is specifically included to user terminal：Payment information is sent to ustomer premises access equipment to ask whether
Authority to pay, if user terminal authority to pay, carries out step S5, if not authority to pay, transaction is terminated.
Password includes numerical ciphers, finger-print cipher, sound password, recognition of face password in the step S5.
Beidou satellite navigation system sends payment verification information to bank information by short message function in the step S2
Center.
Compared with prior art, the present invention has advantages below：
1st, the positioning that has by Beidou satellite navigation system, timing function, can determine the user of payment terminals and binding
The information such as real-time space, the time at end, the spatial information that loco is further provided on the basis of existing payment verification is tested
Card, adds one layer of safety guarantee, effectively financial security of protection user when using quick payment, can effectively prevent financial robber
The fraudulent acts such as brush.
2nd, by the distinctive short message function of Beidou satellite navigation system, when account user produce payment when, can in time by
Checking information is sent to bank information center, and the transmission efficiency of information is high, and process of exchange is kept while improving payment safety
High efficiency is carried out.
3rd, as a result of Beidou satellite navigation system short message function, therefore data are difficult to be disturbed in transmitting procedure
Or distort.
Brief description of the drawings
Fig. 1 is the method flow diagram of the reinforcement bank account safety of payment of the invention based on Beidou satellite navigation system.
Embodiment
The present invention is described in detail with specific embodiment below in conjunction with the accompanying drawings.The present embodiment is with technical solution of the present invention
Premised on implemented, give detailed embodiment and specific operating process, but protection scope of the present invention is not limited to
Following embodiments.
High accuracy positioning, time service and short message communication function that the present invention has by Beidou satellite navigation system, knot
The original encrypted authentication mode of bank payment system is closed, is automatically determined before payment and produces what the terminal paid was authorized with user
The position of user terminal, when producing certain deviation in both positions, pause by force pays and increased to account user institute holding equipment
Carry out the process of authority checking.
As shown in figure 1, the method for the reinforcement bank account safety of payment based on Beidou satellite navigation system, including：
S1, payment terminals, which are produced, pays request, and Beidou satellite navigation system is positioned to payment terminals and user terminal；
S2, Beidou satellite navigation system send payment verification information to bank information center；
In S3, bank information center judgment step S2 payment verification information the location information of payment terminals whether with user terminal
Location information is consistent, if meeting, and carries out step S4, if not meeting, authority to pay is asked whether to user terminal；
S4, bank information center judge whether payment expense exceedes setting limit, if not exceeded, step S5 is then carried out, if
Exceed, then ask whether authority to pay to user terminal；
S5, payment terminals complete to pay by password.
Process require that the bank account of oneself is bound in the equipment with Beidou satellite navigation system function by user,
And increasing the program of location verification in bank payment system, the equipment of binding is referred to as user terminal.Payment terminals refer to send payment
The device end of request, is not necessarily same device end with user terminal.
When payment terminals, which produce one, to be paid, user terminal, the payment terminals very first time are positioned by Beidou satellite navigation system,
Space, time data are sent to bank information center by the distinctive short message function of dipper system.
Whether bank information center judges position of the user terminal when payment terminals are initiated to pay according to the payment information received
With the position consistency of payment terminals, basis for estimation is the ultimate range deviation whether the distance between two places deviation exceeds setting,
The ultimate range deviation can the autonomous setting in terms of user or bank., will if position deviation is beyond the ultimate range deviation of setting
Photos and sending messages ask whether to authorize this payment behavior in the equipment authorized from bank information center to user terminal, i.e. user, if
User authorizes, then by completing final payment after Password Input, if user does not authorize, terminates and this time pays.
If positional information when paying further compares whether the transaction exceedes in the ultimate range deviation of setting
The maximum allowable amount of money of setting, the maximum allowable amount of money in terms of user or bank by independently setting.If not exceeded, directly by close
Final pay is completed after code input；If more than the maximum allowable amount of money, will be from bank information center to the inquiry of user terminal photos and sending messages
No this payment behavior of mandate, if user authorizes, by completing final payment after Password Input, if user does not authorize, eventually
It is secondary here to pay.
It is many that the payment cipher mentioned in this method includes numerical ciphers, finger-print cipher, sound password, recognition of face password etc.
Password input mode is planted, if user's input code error also results in payment failure.
Above procedure by user in the case where not yet authorizing or finally confirming procedure failure, and transaction can only be forced to terminate
Or the payment flow is carried out again, serve the effect of protection user account safety.
Claims (6)
1. the method for the reinforcement bank account safety of payment based on Beidou satellite navigation system, it is characterised in that including：
S1, payment terminals, which are produced, pays request；
S2, Beidou satellite navigation system send payment verification information to bank information center；
In S3, bank information center judgment step S2 payment verification information the location information of payment terminals whether the positioning with user terminal
Information is consistent, if meeting, and carries out step S4, if not meeting, authority to pay is asked whether to user terminal；
S4, bank information center judge whether payment expense exceedes setting limit, if not exceeded, step S5 is then carried out, if exceeding,
Then authority to pay is asked whether to user terminal；
S5, payment terminals complete to pay by password.
2. the method for the reinforcement bank account safety of payment according to claim 1 based on Beidou satellite navigation system, its
It is characterised by, the payment verification information of the step S2 includes the location information, the location information of payment terminals, disbursement letter of user terminal
Breath.
3. the method for the reinforcement bank account safety of payment according to claim 1 based on Beidou satellite navigation system, its
It is characterised by, the step S3 is specifically included：Bank information center judges that the positioning of the location information and payment terminals of user terminal is believed
Whether the deviation between breath is in setting range, if in setting range, carrying out step S4；If being more than setting range, to
User terminal asks whether authority to pay.
4. the method for the reinforcement bank account safety of payment according to claim 1 based on Beidou satellite navigation system, its
It is characterised by, it is described to ask whether that authority to pay is specifically included to user terminal：Sending payment information inquiry to ustomer premises access equipment is
No authority to pay, if user terminal authority to pay, carries out step S5, if not authority to pay, transaction is terminated.
5. the method for the reinforcement bank account safety of payment according to claim 1 based on Beidou satellite navigation system, its
It is characterised by, password includes numerical ciphers, finger-print cipher, sound password, recognition of face password in the step S5.
6. the method for the reinforcement bank account safety of payment according to claim 1 based on Beidou satellite navigation system, its
It is characterised by, Beidou satellite navigation system sends payment verification information to bank information by short message function in the step S2
Center.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710475104.1A CN107239955A (en) | 2017-06-21 | 2017-06-21 | The method of reinforcement bank account safety of payment based on Beidou satellite navigation system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710475104.1A CN107239955A (en) | 2017-06-21 | 2017-06-21 | The method of reinforcement bank account safety of payment based on Beidou satellite navigation system |
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| Publication Number | Publication Date |
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| CN107239955A true CN107239955A (en) | 2017-10-10 |
Family
ID=59987069
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| CN201710475104.1A Pending CN107239955A (en) | 2017-06-21 | 2017-06-21 | The method of reinforcement bank account safety of payment based on Beidou satellite navigation system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108428131A (en) * | 2018-03-12 | 2018-08-21 | 宁波大学 | The method of payment hidden based on voice secret information |
| CN109064158A (en) * | 2018-07-30 | 2018-12-21 | 广州新趋士网络科技有限公司 | A kind of network payment system |
| CN109214824A (en) * | 2018-08-30 | 2019-01-15 | 珠海横琴现联盛科技发展有限公司 | Payment information confirmation method based on Application on Voiceprint Recognition |
| CN109359982A (en) * | 2018-09-02 | 2019-02-19 | 珠海横琴现联盛科技发展有限公司 | In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition |
| CN110400149A (en) * | 2019-07-29 | 2019-11-01 | 杭州项帮科技有限公司 | Encrypting payment method based on network game payment transaction on intelligent terminal |
| CN115065397A (en) * | 2022-05-18 | 2022-09-16 | 亚太卫星宽带通信（深圳）有限公司 | System and method for payment by using semi-open satellite network without mobile network |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108428131A (en) * | 2018-03-12 | 2018-08-21 | 宁波大学 | The method of payment hidden based on voice secret information |
| CN108428131B (en) * | 2018-03-12 | 2021-08-03 | 宁波大学 | Payment method based on voice secret information hiding |
| CN109064158A (en) * | 2018-07-30 | 2018-12-21 | 广州新趋士网络科技有限公司 | A kind of network payment system |
| CN109214824A (en) * | 2018-08-30 | 2019-01-15 | 珠海横琴现联盛科技发展有限公司 | Payment information confirmation method based on Application on Voiceprint Recognition |
| CN109359982A (en) * | 2018-09-02 | 2019-02-19 | 珠海横琴现联盛科技发展有限公司 | In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition |
| CN110400149A (en) * | 2019-07-29 | 2019-11-01 | 杭州项帮科技有限公司 | Encrypting payment method based on network game payment transaction on intelligent terminal |
| CN115065397A (en) * | 2022-05-18 | 2022-09-16 | 亚太卫星宽带通信（深圳）有限公司 | System and method for payment by using semi-open satellite network without mobile network |
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Application publication date: 20171010 |