CN108171515A - Safe payment method based on all-purpose card - Google Patents
Safe payment method based on all-purpose card Download PDFInfo
- Publication number
- CN108171515A CN108171515A CN201711463518.9A CN201711463518A CN108171515A CN 108171515 A CN108171515 A CN 108171515A CN 201711463518 A CN201711463518 A CN 201711463518A CN 108171515 A CN108171515 A CN 108171515A
- Authority
- CN
- China
- Prior art keywords
- card
- pos
- swiping
- server
- consumption 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
- G06Q20/38—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
- G06Q20/409—Device specific authentication in transaction processing
Abstract
The present invention provides a kind of safe payment method based on all-purpose card, including：The POS carries out authentication according to digital number, and judges whether verification result is accurate, if verification result is accurate, the card number that will swipe the card is marked；The POS records the consumption information for card number of swiping the card and binds consumption information and card number of swiping the card；To swipe the card card number and consumption information of the POS is uploaded to server.An authentication is carried out while swiping the card so that payment flow is safer, and server and fund clearing platform separate, and carry out corresponding data processing respectively so that entire verification flow is rapidly completed.
Description
Technical field
The invention belongs to traffic all-purpose card mode of doing business technical field more particularly to a kind of secure payments based on all-purpose card
Method.
Background technology
With being widely used for the mobile clients such as mobile phone, tablet computer, public traffic smart card tentatively realizes city public affairs
Traffic all standing, citizens' activities demand develop toward portability, customization, personalization, differentiation direction altogether, and traditional traffic one blocks
The fixed mode for leading to single payment services function has been not suitable with mobile e-business epoch trend and the urgent trip of citizen and has needed
It asks.In addition to this, popularizing due to cCredit card payment, the situation for stealing brush is also commonplace so that the means of payment of traffic all-purpose card
Safety is low.
Invention content
In view of this, the present invention provides a kind of safe payment method based on all-purpose card, to solve current mode of doing business not
The technical issues of enough safe.
In order to the embodiment to disclosure some aspects there are one basic understanding, simple summary is shown below.It should
Summarized section is not extensive overview, nor to determine key/critical component or describe the protection domain of these embodiments.
Its sole purpose is that some concepts are presented with simple form, in this, as the preamble of following detailed description.
The present invention adopts the following technical scheme that：
In some optional embodiments, a kind of safe payment method based on all-purpose card is provided, including：The POS according to
Digital number carries out authentication, and judges whether verification result is accurate, if verification result is accurate, the card number that will swipe the card is into rower
Note；Swipe the card described in the POS record card number consumption information and by the consumption information and the card number binding of swiping the card；Institute
It states the POS and the card number of swiping the card is uploaded to server with the consumption information.
In some optional embodiments, further included before this method：The POS obtain described in swipe the card card number and on
Reach the server；The server swipes the card described in obtaining and card number and searches out number corresponding with the card number of swiping the card and compile
Number；The server issues the digital number to the POS.
In some optional embodiments, the safe payment method based on all-purpose card further includes：The server
Card number is swiped the card by described and the corresponding consumption information of card number of swiping the card is sent to fund clearing platform；The fund clearing is put down
Platform according to the consumption information deduct described in swipe the card card number advance deposit and recorded.
In some optional embodiments, the process that the POS carries out authentication according to digital number includes：Institute
It states the POS and obtains voice messaging, and identify the digital coding to be verified in the voice messaging；The POS is by described in
Digital coding to be verified is compared with the digital number, if comparing result is consistent, judges the verification result of authentication
Accurately.
Advantageous effect caused by the present invention：An authentication is carried out while swiping the card so that payment flow is more pacified
Entirely, it avoids stealing situation about brushing, and flow is simple, server and fund clearing platform separate, and carry out at corresponding data respectively
Reason, is not in delay situation so that entire verification flow is rapidly completed, and ensures efficiency of swiping the card.
For above-mentioned and relevant purpose, one or more embodiments include will be explained in below and in claim
In the feature that particularly points out.Certain illustrative aspects are described in detail in following explanation and attached drawing, and its instruction is only
Some modes in the utilizable various modes of principle of each embodiment.Other benefits and novel features will be under
The detailed description in face is considered in conjunction with the accompanying and becomes apparent, the disclosed embodiments be will include all these aspects and they
Be equal.
Description of the drawings
Fig. 1 is a kind of flow diagram of the safe payment method based on all-purpose card of the present invention.
Specific embodiment
The following description and drawings fully show specific embodiments of the present invention, to enable those skilled in the art to
Put into practice them.Other embodiments can include structure, logic, it is electrical, process and other change.Embodiment
Only represent possible variation.Unless explicitly requested, otherwise individual components and functionality is optional, and the sequence operated can be with
Variation.The part of some embodiments and feature can be included in or replace part and the feature of other embodiments.This hair
The range of bright embodiment includes equivalent obtained by the entire scope of claims and all of claims
Object.
As shown in Figure 1, in some illustrative embodiments, providing a kind of safe payment method based on all-purpose card, wrap
It includes：
101：The POS, which obtains, swipes the card card number and is uploaded to server, interconnection plane of swiping the card, and passes through network and server carries out
Communication.
102：Server acquisition, which is swiped the card, card number and searches out digital number corresponding with card number of swiping the card.Server in advance will be each
In the database, a card number of swiping the card corresponds to a digital number, number for a card number of swiping the card digital number storage preset with client
Word number is equivalent to password.
103：Server issues digital number to the POS, and the POS obtains digital coding at this time, and can be compiled according to number
Code carries out the authentication of client.
104：The POS carries out authentication according to digital number.
Detailed process is：First, the POS obtains voice messaging, and identifies that the number to be verified in voice messaging is compiled
Code, the voice that voice messaging is said by the recording device acquisition client of the POS, and pass through sound identification module by voice messaging
In digital extraction come out, generate lteral data；Secondly, the POS compiles the number that digital coding to be verified and server issue
It number is compared, if comparing result is consistent, judges that the verification result of authentication is accurate, otherwise, then judge authentication
Verification result mistake.
105：The POS judges whether verification result is accurate.
106：If verification result is accurate, the POS card number that will swipe the card is marked, and carries out step 108 later.It is if inaccurate
Really, then return to step 104.
107：The POS records the consumption information for card number of swiping the card and binds consumption information and the card number of swiping the card.
108：To swipe the card card number and consumption information of the POS is uploaded to server.
109：Server will swipe the card card number and the corresponding consumption information of card number of swiping the card is sent to fund clearing platform.
110：Fund clearing platform deducts the advance deposit for card number of swiping the card according to consumption information and is recorded, entire flow of payments
Journey is completed, and an authentication is carried out while swiping the card so that payment flow is safer.
Server and fund clearing platform separate, and carry out corresponding data processing respectively so that entire verification flow is fast
Speed is completed, and fund clearing platform is responsible for clearing, processing, summary of fund etc..
It should also be appreciated by one skilled in the art that the various illustrative boxes, the mould that are described with reference to the embodiments herein
Block, circuit and algorithm steps can be implemented as electronic hardware, computer software or combination.In order to clearly demonstrate hardware and
Interchangeability between software above carries out various illustrative components, frame, module, circuit and step around its function
It is generally described.Hardware is implemented as this function and is also implemented as software, depending on specifically applying and to entire
The design constraint that system is applied.Those skilled in the art can be directed to each specific application, be realized in a manner of flexible
Described function, it is still, this to realize that decision should not be construed as the protection domain away from the disclosure.
Claims (4)
1. the safe payment method based on all-purpose card, which is characterized in that including：
The POS carries out authentication according to digital number, and judges whether verification result is accurate, will if verification result is accurate
Card number of swiping the card is marked；
Swipe the card described in the POS record card number consumption information and by the consumption information and the card number binding of swiping the card；
The card number of swiping the card is uploaded to server by the POS with the consumption information.
2. the safe payment method according to claim 1 based on all-purpose card, which is characterized in that also wrapped before this method
It includes：
The POS swipes the card described in obtaining and card number and is uploaded to the server；
The server swipes the card described in obtaining and card number and searches out digital number corresponding with the card number of swiping the card；
The server issues the digital number to the POS.
3. the safe payment method according to claim 2 based on all-purpose card, which is characterized in that further include：
The server swipes the card card number and the corresponding consumption information of card number of swiping the card is sent to fund clearing platform by described；
The fund clearing platform according to the consumption information deduct described in swipe the card card number advance deposit and recorded.
4. the safe payment method according to claim 3 based on all-purpose card, which is characterized in that the POS is according to number
The process that word number carries out authentication includes：
The POS obtains voice messaging, and identifies the digital coding to be verified in the voice messaging；
The POS compares the digital coding to be verified with the digital number, if comparing result is consistent, sentences
The verification result for determining authentication is accurate.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711463518.9A CN108171515A (en) | 2017-12-28 | 2017-12-28 | Safe payment method based on all-purpose card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711463518.9A CN108171515A (en) | 2017-12-28 | 2017-12-28 | Safe payment method based on all-purpose card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108171515A true CN108171515A (en) | 2018-06-15 |
Family
ID=62519701
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711463518.9A Pending CN108171515A (en) | 2017-12-28 | 2017-12-28 | Safe payment method based on all-purpose card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108171515A (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20130009756A1 (en) * | 2011-07-07 | 2013-01-10 | Nokia Corporation | Verification using near field communications |
| CN104166908A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Payment method and payment system |
| CN104715372A (en) * | 2013-12-17 | 2015-06-17 | 青岛龙泰天翔通信科技有限公司 | Card swiping transaction method |
-
2017
- 2017-12-28 CN CN201711463518.9A patent/CN108171515A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20130009756A1 (en) * | 2011-07-07 | 2013-01-10 | Nokia Corporation | Verification using near field communications |
| CN104715372A (en) * | 2013-12-17 | 2015-06-17 | 青岛龙泰天翔通信科技有限公司 | Card swiping transaction method |
| CN104166908A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Payment method and payment system |
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| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180615 |
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| RJ01 | Rejection of invention patent application after publication |