CN108960838A - Payment platform uses method safely - Google Patents
Payment platform uses method safely Download PDFInfo
- Publication number
- CN108960838A CN108960838A CN201810615497.6A CN201810615497A CN108960838A CN 108960838 A CN108960838 A CN 108960838A CN 201810615497 A CN201810615497 A CN 201810615497A CN 108960838 A CN108960838 A CN 108960838A
- Authority
- CN
- China
- Prior art keywords
- payment
- mobile phone
- server authentication
- user
- server
- 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.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 14
- 238000011017 operating method Methods 0.000 claims abstract description 4
- 238000012795 verification Methods 0.000 claims abstract description 4
- 238000005516 engineering process Methods 0.000 abstract description 3
- 238000005065 mining Methods 0.000 abstract description 3
- 238000000586 desensitisation Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000006855 networking Effects 0.000 description 1
- 239000002699 waste material Substances 0.000 description 1
Classifications
-
- 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
- G06Q20/30—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]
Abstract
Payment platform uses method safely, including following operating procedure: A), user mobile phone payment request；B), user mobile phone payment request information server authentication module is uploaded to judge；C), when server authentication passes through, user mobile phone directly exempts from close payment by SIMeID；D), the AI study module of server learns the place of payment and the amount of money, and server authentication module is added in consumer record；E), when server authentication does not pass through, by user's progress mobile phone verifying；F), user mobile phone verification information is uploaded to server authentication module and is judged, repeats above step C)~D)；G), complete.The present invention utilizes the potential of AI technology mining SIMeID, realizes being perfectly combined for AI+SIMeID, promotes and applies with good economic efficiency and social benefit.
Description
Technical field
The invention belongs to secure payment technical field, in particular to a kind of payment platform uses method safely.
Background technique
Cybertimes, Third-party payment have become with widest payment method.China third party networking payment platform
It flourishes in recent years, far-reaching influence is all either brought for consumer or entire economic society, for client
The problem of fund security and information security, third-party platform is in the role for playing the part of intermediary, bridge.
On April 14th, 2018, the Ministry of Public Security take the lead in releasing " identity of Ministry of Public Security citizen network electronic " (referred to as in Jiangxi
EID), the national starting ceremony of SIMeID pasting card has been held in Komsomolsk city, this card thickness is only 0.19mm, is pasting card, uses
It family can be convenient to be identified using online personal identity in the case where being changed without original SIM card.
SIMeID forms information island after the payment data of user can desensitize, and effectively protects everyone privacy
Data, while the data using its script that service side also can be effective, safe provide better service for client；If but only producing
It gives birth to information island and cannot effectively connect these isolated islands, necessarily will cause huge waste, be nowadays an information
It is the epoch of wealth, information includes huge value, and due to external effect, more shared informations be can produce
More values also preferably can provide better service for each of network people, it is therefore desirable to build one for SIMeID
Seat protects personal information, and the bridge using personal information optimal case under big data era.
How the potential for how utilizing AI technology mining SIMeID, realize being perfectly combined for AI+SIMeID, becomes urgent need solution
Certainly the problem of.
Summary of the invention
The invention aims to solve above-mentioned technical problem.
Payment platform uses method, including mobile phone, server safely, is provided with SIMeID pasting card in the SIM card of mobile phone,
Server authentication module, AI study module are provided on server, it is characterised in that: including following operating procedure:
A), user mobile phone payment request；
B), user mobile phone payment request information server authentication module is uploaded to judge；
C), when server authentication passes through, user mobile phone directly exempts from close payment by SIMeID, and SIMeID can be by the payment number of user
According to information island is formed after desensitization, everyone private data is effectively protected；
D), the AI study module of server learns the place of payment and the amount of money, and consumer record addition server is tested
Demonstrate,prove module；
E), when server authentication does not pass through, by user's progress mobile phone verifying, including user is by the verifying of mobile phone brush face and by fingerprint
Verifying；
F), user mobile phone verification information is uploaded to server authentication module and is judged, repeats above step C)~D)；
G), complete.
The step B) in, server authentication module includes often being tested with the place of payment and spending amount limit user
Card.
The step C) in, when user carries out small amount consumption and payment in the place of non-post-consumer, server authentication can be set
It is set to and is verified.
The step D) in, the highest consumption that user can exempt from close payment in the AI study module sets itself of server is golden
Volume.
The step E) in, when user carries out wholesale consumption and payment in the place of non-post-consumer, server authentication can be set
Verifying is set to not pass through.
The step E) in, when user carries out small amount consumption and payment in the place of non-post-consumer, server authentication can be set
Verifying is set to not pass through.
The present invention utilizes the potential of AI technology mining SIMeID, realizes being perfectly combined for AI+SIMeID, promotes and applies tool
There are good economic benefit and social benefit.
Detailed description of the invention
Fig. 1 is work flow diagram of the invention.
Specific embodiment
The present invention will be further explained below with reference to the attached drawings, but not as limitation of the present invention.
Payment platform uses method, including mobile phone, server safely, is provided with SIMeID pasting card in the SIM card of mobile phone,
Server authentication module, AI study module are provided on server, it is characterised in that: including following operating procedure:
A), user mobile phone payment request；
B), user mobile phone payment request information server authentication module is uploaded to judge；
C), when server authentication passes through, user mobile phone directly exempts from close payment by SIMeID, and SIMeID can be by the payment number of user
According to information island is formed after desensitization, everyone private data is effectively protected；
D), the AI study module of server learns the place of payment and the amount of money, and consumer record addition server is tested
Demonstrate,prove module；
E), when server authentication does not pass through, by user's progress mobile phone verifying, including user is by the verifying of mobile phone brush face and by fingerprint
Verifying；
F), user mobile phone verification information is uploaded to server authentication module and is judged, repeats above step C)~D)；
G), complete；
The step B) in, server authentication module includes often using user the verifying in the place of payment and spending amount limit；
The step C) in, when user carries out small amount consumption and payment in the place of non-post-consumer, server authentication can be set as
It is verified；
The step D) in, user can exempt from the highest spending amount of close payment in the AI study module sets itself of server；
The step E) in, when user carries out wholesale consumption and payment in the place of non-post-consumer, server authentication can be set as
Verifying does not pass through；
The step E) in, when user carries out small amount consumption and payment in the place of non-post-consumer, server authentication can be set as
Verifying does not pass through.
When it is implemented, website backstage can distinguish online when being traded using the SIM cards of mobile phones for being loaded with eID
The true and false and validity of SIMeID no longer saves the identity information of user, it is no longer necessary to submit the name of oneself on user network, live
The personal information such as location, phone, ID card No., SIMeID form information island after the payment data of user can desensitize, effectively
The private data for protecting everyone, user can easily carry out online transaction.
The above embodiment is merely an example for clearly illustrating the present invention, and does not limit the embodiments.
For those of ordinary skill in the art, other various forms of variations can also be made on the basis of the above description
Or change, there is no necessity and possibility to exhaust all the enbodiments, and the obvious variation thus amplified out
Or it changes and is still in the protection scope of this invention.
Claims (6)
1. payment platform uses method, including mobile phone, server safely, it is provided with SIMeID pasting card in the SIM card of mobile phone, is taken
Server authentication module, AI study module are provided on business device, it is characterised in that: including following operating procedure:
A), user mobile phone payment request；
B), user mobile phone payment request information server authentication module is uploaded to judge；
C), when server authentication passes through, user mobile phone directly exempts from close payment by SIMeID；
D), the AI study module of server learns the place of payment and the amount of money, and consumer record addition server is tested
Demonstrate,prove module；
E), when server authentication does not pass through, by user's progress mobile phone verifying, including user is by the verifying of mobile phone brush face and by fingerprint
Verifying；
F), user mobile phone verification information is uploaded to server authentication module and is judged, repeats above step C)~D)；
G), complete.
2. payment platform according to claim 1 uses method safely, it is characterised in that: the step B) in, service
Device authentication module includes the verifying for often using user the place of payment and spending amount limit.
3. payment platform according to claim 1 uses method safely, it is characterised in that: the step C) in, when with
Family carries out small amount consumption and payment in the place of non-post-consumer, and server authentication can be set as being verified.
4. payment platform according to claim 1 uses method safely, it is characterised in that: the step D) in, user
It can exempt from the highest spending amount of close payment in the AI study module sets itself of server.
5. payment platform according to claim 1 uses method safely, it is characterised in that: the step E) in, when with
Family carries out wholesale consumption and payment in the place of non-post-consumer, and server authentication can be set as verifying and not pass through.
6. payment platform according to claim 1 uses method safely, it is characterised in that: the step E) in, when with
Family carries out small amount consumption and payment in the place of non-post-consumer, and server authentication can be set as verifying and not pass through.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810615497.6A CN108960838A (en) | 2018-06-14 | 2018-06-14 | Payment platform uses method safely |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810615497.6A CN108960838A (en) | 2018-06-14 | 2018-06-14 | Payment platform uses method safely |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108960838A true CN108960838A (en) | 2018-12-07 |
Family
ID=64489021
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810615497.6A Pending CN108960838A (en) | 2018-06-14 | 2018-06-14 | Payment platform uses method safely |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108960838A (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105787719A (en) * | 2016-02-24 | 2016-07-20 | 努比亚技术有限公司 | NFC mobile terminal and method for controlling NFC card swiping authority |
| CN106529956A (en) * | 2016-10-31 | 2017-03-22 | 努比亚技术有限公司 | Terminal and verification method of terminal payment |
| CN106600261A (en) * | 2016-11-15 | 2017-04-26 | 努比亚技术有限公司 | Mobile payment device and method |
| US20180082304A1 (en) * | 2016-09-21 | 2018-03-22 | PINN Technologies | System for user identification and authentication |
-
2018
- 2018-06-14 CN CN201810615497.6A patent/CN108960838A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105787719A (en) * | 2016-02-24 | 2016-07-20 | 努比亚技术有限公司 | NFC mobile terminal and method for controlling NFC card swiping authority |
| US20180082304A1 (en) * | 2016-09-21 | 2018-03-22 | PINN Technologies | System for user identification and authentication |
| CN106529956A (en) * | 2016-10-31 | 2017-03-22 | 努比亚技术有限公司 | Terminal and verification method of terminal payment |
| CN106600261A (en) * | 2016-11-15 | 2017-04-26 | 努比亚技术有限公司 | Mobile payment device and method |
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| 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 | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20181207 |