CN109146489A - Safe payment method, device, server and storage medium - Google Patents
Safe payment method, device, server and storage medium Download PDFInfo
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- CN109146489A CN109146489A CN201811151530.0A CN201811151530A CN109146489A CN 109146489 A CN109146489 A CN 109146489A CN 201811151530 A CN201811151530 A CN 201811151530A CN 109146489 A CN109146489 A CN 109146489A
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- 238000000034 method Methods 0.000 title claims abstract description 62
- 238000003860 storage Methods 0.000 title claims abstract description 20
- 238000012795 verification Methods 0.000 claims abstract description 255
- 230000015654 memory Effects 0.000 claims description 22
- 238000004590 computer program Methods 0.000 claims description 19
- 238000004321 preservation Methods 0.000 claims description 11
- 238000012790 confirmation Methods 0.000 claims description 9
- 230000005540 biological transmission Effects 0.000 claims description 6
- 238000012360 testing method Methods 0.000 claims description 5
- 230000006870 function Effects 0.000 description 23
- 238000004891 communication Methods 0.000 description 16
- 230000008569 process Effects 0.000 description 12
- 238000005516 engineering process Methods 0.000 description 9
- 238000010295 mobile communication Methods 0.000 description 8
- 238000010586 diagram Methods 0.000 description 7
- 238000012545 processing Methods 0.000 description 7
- 238000010200 validation analysis Methods 0.000 description 5
- 238000007726 management method Methods 0.000 description 4
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- 230000007774 longterm Effects 0.000 description 3
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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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
A kind of safe payment method, comprising: receive the payment request that customer mobile terminal is sent, and verification information is generated according to the payment request, wherein the verification information includes user authentication information and guardian's verification information；The verification information is sent to corresponding operator's platform, operator's platform forwards the verification information to user and the corresponding mobile terminal of guardian；The identifying code that the customer mobile terminal is sent is received, and confirms whether the identifying code passes through verifying；And when confirming that the identifying code passes through verifying, payment transaction is executed.The present invention also provides a kind of secure payment device, server and storage mediums.It can effectively guarantee that self-protection realizes the account fund safety of weak user (such as the elderly) by this hair.
Description
Technical field
The present invention relates to mobile communication technology fields, and in particular to a kind of safe payment method, device, server and storage
Medium.
Background technique
Currently, user is more and more the case where consumption using internet, is consumed and usually required in internet using internet
Payment is completed on line.In existing the Internet line in payment, such as Alipay payment, wechat payment etc., it is to be paid without card,
It is participated in i.e. in process of exchange without entity card, but passes through the internet branch of user in payment platform login account by user
It pays platform account and initiates payment transaction, the transaction sensitive data such as payment cipher etc. in payment process is protected using soft encryption
Shield, internet payment platform is by calling withholing without magnetic without close transaction for banking system.Also, with the hair of the communication technology
It opens up, the application program on mobile terminal with payment function is more and more, wherein most of application programs require that user will be silver-colored
Row card number submits to application program, and the application program is authorized to deduct the fee from the card.
In the prior art, when application program deducts the fee from user's bank card, dynamic mobile phone short message verification can be used
The mode of code verifies user information, which has become instantly most important because its is easy-to-use, broad covered area
Mobile payment authentication means.However, when the user is the elderly or children, since the elderly and children lack awareness of safety,
When easily occurring in no guardian guidance or control, the feelings consumed in the application by simple short-message verification mode
Condition.
Summary of the invention
In view of the foregoing, it is necessary to propose a kind of safe payment method, device, server and storage medium, Neng Gouyou
Effect ground guarantees that self-protection realizes the account fund safety of weak user (such as the elderly).
The first aspect of the present invention provides a kind of safe payment method, which comprises
The payment request that customer mobile terminal is sent is received, and verification information is generated according to the payment request, wherein is described
Verification information includes user authentication information and guardian's verification information；
The verification information is sent to corresponding operator's platform, it will be in the verification information by operator's platform
User authentication information and guardian's verification information be respectively sent to user and the corresponding mobile terminal of guardian；
The identifying code that the customer mobile terminal is sent according to the verification information is received, and confirms whether the identifying code leads to
Verifying is crossed, wherein, the identifying code includes the first short message random verification code and guardian's verifying letter in user authentication information
The second short message random verification code in breath；And
When confirming that the identifying code passes through verifying, payment transaction is executed.
Preferably, the payment request for receiving customer mobile terminal and sending, and verifying letter is generated according to the payment request
The step of breath, specifically includes:
Receive the payment request that customer mobile terminal is sent；
The first short message random verification code and the second short message random verification code are generated in the given time；
Will the first short message random verification code be inserted into the first message template in generate user authentication information and
The second short message random verification code is inserted into the second message template and generates guardian's verification information.
Preferably, this method further include: save the first short message random verification code and tested at random with second short message
Demonstrate,prove database of the code into server.
Preferably, the identifying code that the customer mobile terminal is sent is received, and confirms whether the identifying code passes through verifying
Step includes:
The first short message random verification code and the second short message random verification code that the mobile terminal is sent are received, is compared
The first short message of received first short message random verification code and the second short message random verification code and preservation in the database
Whether random verification code and the second short message random verification code are consistent；
When the first short message random verification code one of received first short message random verification code and preservation in the database
It causes, and when received second short message random verification code is consistent with preservation the second short message random verification code in the database, really
Identifying code is recognized by verifying, executes payment transaction；
When received first short message random verification code and save the first short message random verification code in the database not
Unanimously or received second short message random verification code and to save the second short message random verification code in the database inconsistent
When, confirmation identifying code can not pass through, and refusal executes payment transaction.
Preferably, receive customer mobile terminal send payment request, and according to the payment request generate verification information after,
This method further includes the steps that encrypting the first short message random verification code in user authentication information.
Preferably, after receiving the identifying code that the customer mobile terminal is sent, this method further includes that decryption is received
The step of the first short message random verification code in user authentication information.
Preferably, the Encryption Algorithm encrypted to the first short message random verification code in user authentication information includes pair
Claim Encryption Algorithm, rivest, shamir, adelman and hash algorithm.
The second aspect of the present invention provides a kind of secure payment device, and described device includes:
Receiving module for receiving the payment request of customer mobile terminal transmission, and is generated according to the payment request and is verified
Information, wherein the verification information includes user authentication information and guardian's verification information；
Sending module is incited somebody to action for sending the verification information to corresponding operator's platform by operator's platform
User authentication information and guardian's verification information in the verification information are respectively sent to user and the corresponding movement of guardian
Terminal；
Confirmation module, for after receiving the identifying code that the customer mobile terminal is sent according to the verification information, really
Recognize whether the identifying code passes through verifying, wherein the identifying code includes the first short message accidental validation in user authentication information
The second short message random verification code in code and guardian's verification information；And
Execution module, for executing payment transaction when confirming that the identifying code passes through verifying.
The third aspect of the present invention provides a kind of server, and the server includes processor and memory, the processing
Device is for realizing the safe payment method when executing the computer program stored in the memory.
The fourth aspect of the present invention provides a kind of computer readable storage medium, deposits on the computer readable storage medium
Computer program is contained, the computer program realizes the safe payment method when being executed by processor.
Safe payment method, device, system and storage medium of the present invention are sent by receiving customer mobile terminal
Payment request, and according to the payment request generate verification information, wherein the verification information includes user authentication information and prison
Protect people's verification information；The verification information is sent to corresponding operator's platform, operator's platform forwards the verifying letter
It ceases to user and the corresponding mobile terminal of guardian；The identifying code that the customer mobile terminal is sent is received, and confirms the verifying
Whether code passes through verifying, wherein, the identifying code includes the first short message random verification code and monitoring in user authentication information
The second short message random verification code in people's verification information；And when confirming that the identifying code is accurate, just online transaction is allowed to continue
It executes.The guardian of user, user can be notified to be currently executing online transaction behavior, and the verifying of guardian is needed to believe
Breath just can guarantee the normal execution of online transaction.It is effectively guaranteed the account that self-protection realizes weak user (such as the elderly)
Fund security.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is the application environment architecture diagram for safe payment method that the embodiment of the present invention one provides.
Fig. 2 is the flow chart of safe payment method provided by Embodiment 2 of the present invention.
Fig. 3 is the functional block diagram in the secure payment device preferred embodiment of the present invention that the embodiment of the present invention three provides.
Fig. 4 is the schematic diagram for the server that the embodiment of the present invention four provides.
The present invention that the following detailed description will be further explained with reference to the above drawings.
Specific embodiment
To better understand the objects, features and advantages of the present invention, with reference to the accompanying drawing and specific real
Applying example, the present invention will be described in detail.It should be noted that in the absence of conflict, the embodiment of the present invention and embodiment
In feature can be combined with each other.
In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention, described embodiment is only
It is only a part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill
Personnel's every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the invention
The normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description tool
The purpose of the embodiment of body, it is not intended that in the limitation present invention.
Description and claims of this specification and term " first " in above-mentioned attached drawing, " second " and " third " etc. are
For distinguishing different objects, not for description particular order.In addition, term " includes " and their any deformations, it is intended that
Non-exclusive include in covering.Such as the process, method, system, product or equipment for containing a series of steps or units do not have
It is defined in listed step or unit, but optionally further comprising the step of not listing or unit, or optionally further comprising
For the intrinsic other step or units of these process, methods, product or equipment.
The safe payment method of the embodiment of the present invention is applied by least one server and by network and the service
In the hardware environment that the mobile terminal that device is attached is constituted.Network includes but is not limited to: wide area network, Metropolitan Area Network (MAN) or local
Net.The safe payment method of the embodiment of the present invention can be executed by server, can also be executed by mobile terminal；It can be with
It is to be executed jointly by server and mobile terminal.
The server for needing to carry out safe payment method, can directly integrate side of the invention on the server
Secure payment function provided by method, or installation is for realizing the client of method of the invention.For another example, provided by the present invention
Method server can also be operated in the form of Software Development Kit (Software Development Kit, SDK)
Etc. in equipment, the interface of secure payment function, server or other equipment are provided in the form of SDK, the interface that provides are provided
Realize secure payment function.
Embodiment one
As shown in fig.1, the application environment architecture diagram for safe payment method provided for the embodiment of the present invention one.
Safe payment method of the invention is applied in the environment that mobile terminal 1, server 2 and operator's platform 3 are constituted.
It is communicated to connect between the mobile terminal 1, server 2 and operator's platform 3 by wired or wireless network.The cable network can
Think any type of traditional wire communication, such as internet, local area network.The wireless network can appointing for conventional wireless communication
What type, such as radio, Wireless Fidelity (Wireless Fidelity, WIFI), honeycomb, satellite, broadcast etc..Wireless telecommunications
Technology may include, but be not limited to, global system for mobile communications (Global System for Mobile
Communications, GSM), General Packet Radio Service (General Packet Radio Service, GPRS), code point
Multiple access (Code Division Multiple Access, CDMA), wideband code division multiple access (W-CDMA), CDMA2000, IMT are mono-
Carrier wave (IMT Single Carrier), enhanced data rates for gsm evolution (Enhanced Data Rates for GSM
Evolution, EDGE), Long Term Evolution (Long-Term Evolution, LTE), senior long term evolution technology, time-division it is long
Phase evolution technology (Time-Division LTE, TD-LTE), the 5th third-generation mobile communication technology (5G), high performance radio local
Net (High Performance Radio Local Area Network, HiperLAN), high performance radio wide area network
(High Performance Radio Wide Area Network, HiperWAN), local multiple spot distribute business (Local
Multipoint Distribution Service, LMDS), full micro-wave access global inter communication (Worldwide
Interoperability for Microwave Access, WiMAX), ZigBee protocol (ZigBee), bluetooth, orthogonal frequency division multiplexing
It is empty with technology (Flash Orthogonal Frequency-Division Multiplexing, Flash-OFDM), large capacity
Division multiple access (High Capacity Spatial Division Multiple Access, HC-SDMA), General Mobile electricity
Letter system (Universal Mobile Telecommunications System, UMTS), Universal Mobile Telecommunications System time-division
Duplexing (UMTS Time-Division Duplexing, UMTS-TDD), evolved high-speed packet access (Evolved High
Speed Packet Access, HSPA+), TD SDMA (Time Division Synchronous Code
Division Multiple Access, TD-SCDMA), evolution data optimization (Evolution-Data Optimized,
EV-DO), Digital Enhanced Cordless Communications (Digital Enhanced Cordless Telecommunications, DECT) and
Other.
The mobile terminal 1 may include personal computer (Personal Computer, PC), personal digital assistant
(Personal Digital Assistant, PDA), radio hand-held equipment, tablet computer (Tablet Computer), intelligence
Mobile phone etc..Above-mentioned mobile terminal 1 is only citing, and non exhaustive, including but not limited to above-mentioned mobile terminal.The mobile terminal 1
Human-computer interaction can be carried out by modes such as keyboard, mouse, remote controler, touch tablet or voice-operated devices with user.
In the present embodiment, application program is installed on the mobile terminal 1, when user need by the application program into
When row mobile payment, the mobile terminal 1 can send payment request to server by the application program.The server 2
It can be banking system server, such as safety banking system server.
The application program can be mounted to any third-party application in the operating system of mobile terminal 1, such as wechat,
Microblogging, iqiyi.com, youku.com, healthy 160, Jingdone district, Baidu's glutinous rice, Baidu map, KuGoo music, Netease's cloud music, mobile phone Taobao
Deng application.This programme is not construed as limiting this.Wherein, the operating system includes android system, Saipan system, Windows system
System, ios (Mobile operating system of Apple Inc.'s exploitation) system etc..
The mobile terminal 1 further includes display screen, and the display screen can have touch function, such as liquid crystal (Liquid
Crystal Display, LCD) display screen or Organic Light Emitting Diode (Organic Light-Emitting Diode, OLED)
Display screen.The display screen is for showing the contents such as the Application Program Interface.
The server 2 is that one kind can be automatic to carry out numerical value calculating and/or letter according to the instruction for being previously set or storing
The equipment of processing is ceased, hardware includes but is not limited to microprocessor, specific integrated circuit (application program lication
Specific Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate
Array, FPGA), digital processing unit (Digital Signal Processor, DSP), embedded device etc..
Operator's platform 3 is to provide the supplier of network service, can be China Telecom, China Mobile or China
Connection.
Embodiment two
Fig. 2 is the flow chart of safe payment method provided by Embodiment 2 of the present invention.The flow chart according to different requirements,
In execution sequence can change, certain steps can be omitted.
In the present embodiment, the safe payment method can be applied in server, can be directly described mobile whole
The function that secure payment is used for provided by method of the invention is integrated on end, or with Software Development Kit (Software
Development Kit, SDK) form operate on the server.
As shown in Fig. 2, the safe payment method specifically includes following steps, according to different requirements, in the flow chart
The sequence of step can change, and certain steps can be omitted.
S21, the payment request that customer mobile terminal is sent is received, and verification information is generated according to the payment request, wherein
The verification information includes user authentication information and guardian's verification information.
Specifically, when user carries out delivery operation by the application program in mobile terminal, the mobile terminal is sent
For payment request to the server, the server receives the payment request, and generates verification information according to the payment request.
In the present embodiment, guardian's verification information can be one, or multiple.In order to ensure old age
People will not pay criminal by mobile payment mode because of fraud information etc., to cause heavy losses, can move
Dynamic terminal carries out increasing the verification information of guardian during mobile payment to exercise supervision.
Preferably, the customer mobile terminal can be shown in display screen whether need guardian verify option for
Family selection sends payment request in the customer mobile terminal and extremely services if the option that user's selection needs guardian to verify
When device, the server generates user authentication information and guardian's verification information according to the payment request.It is understood that being
Guarantee the elderly's account safety, default choice are that guardian is needed to verify.
Preferably, the verification information includes short message random verification code.Specifically, the server is receiving payment
After request, short message random verification code is generated in the given time, and the short message random verification code is inserted into message template
Middle generation verification information.It is understood that the message template is pre-stored in the database of the server.The clothes
The short message random verification code that business device will additionally generate saves in the database.
The format of the message template is pre-set, such as format=immobilized substance+variable of message template,
In, the variable is short message random verification code, and the immobilized substance may include payee, transaction amount etc..
Specifically, the server generates the first short message random verification code in the given time, and short by described first
Information random verification code is inserted into the first message template and generates user authentication information；
The server also generates the second short message random verification code in the given time, and by second short message with
Machine identifying code, which is inserted into the second message template, generates guardian's verification information.
Guardian's verification information is for notifying the guardian of the user user executing online transaction activity.
The user authentication information and guardian's verification information be not identical.
The first short message random verification code and the second short message random verification code are also stored in by the server
In the database.
It in the prior art, generally will not be random to the short message in order to guarantee the timeliness of short message random verification code
Identifying code is encrypted.Then once there is identifying code leakage event, just very likely the fund account of user is caused
Heavy losses.
Therefore, in the present embodiment, retransmited after the short message random verification code being encrypted to
Mobile terminal.In the present embodiment, it is only necessary to the first short message random verification code be encrypted, user is guaranteed with this
The safety of account fund.
In the present embodiment, the first short message random verification code is added by increasing by an encryption server
It is close.
Specifically, after user submits payment request to server using mobile terminal, the server receives first
Payment request simultaneously parses the payment request, and generates the first short message accidental validation in the given time according to the payment request
Code and the second short message random verification code, then the first short message random verification code is inserted into generate in the first message template and is used
The second short message random verification code is inserted into the second message template and generates guardian's verification information by family verification information.Institute
It states server and sends the user authentication information to the encryption server.The encryption server first stores the user and tests
Information is demonstrate,proved, then encryption key is called to encrypt the first short message random verification code in the user authentication information, it
The corresponding operator's platform of mobile terminal for sending encrypted user authentication information to the user afterwards is flat by the operator
Platform forwards encrypted user authentication information to the mobile terminal of user.The mobile terminal of the user receives the user's checking
After information, the first short message random verification code in encrypted user authentication information is directly extracted, and after submitting the encryption
User authentication information in the first short message random verification code to the encryption server.After the encryption server will encrypt
User authentication information in the first short message random verification code use the private key of mobile terminal and the public affairs of encryption server respectively
Key is decrypted, and obtains original user verification information, the encryption server again by after decryption original user verification information with
It is compared in previously stored user authentication information, judges whether the identifying code is wrong with this.
Preferably, the Encryption Algorithm packet the first short message random verification code in the user authentication information encrypted
It includes, but is not limited to, symmetric encipherment algorithm, rivest, shamir, adelman and hash algorithm.
Effective protection can be obtained when identifying code is transmitted by short message mode in this way, it can not be by being stolen
Decryption, at the same mobile terminal receive identifying code process can also allow user perceive payment occurring.
It is understood that in the present embodiment, it is only necessary to encrypt to the user authentication information, be guaranteed with this
The safety of user account fund.
S22, the verification information is sent to corresponding operator's platform, believed the verifying by operator's platform
User authentication information and guardian's verification information in breath are respectively sent to user and the corresponding mobile terminal of guardian；
In the present embodiment, the server sends the user authentication information to the corresponding operation of customer mobile terminal
Quotient's platform, and guardian's verification information is sent to the corresponding operator's platform of guardian's mobile terminal.
In the prior art, subscriber phone number can be reserved in the server when bank handles bank card as user.
The subscriber phone number is corresponding with bank's card number of the bank card.In the present embodiment, user handles bank card in bank
When in the server other than reserved subscriber phone number, it is also necessary to the phone number of reserved at least one guardian.Often
A phone number has operator's platform of own home, and the server can be according to subscriber phone number and guardian's cell-phone number
Code sends verification information to corresponding operator's platform respectively, and operator's platform forwards the verification information to corresponding again
Mobile terminal.
For example, the server can be to shifting when the corresponding operator's platform of subscriber phone number is mobile communication platform
Dynamic communications platform sends the user authentication information, and the mobile communication platform forwards the user authentication information to user's again
Mobile terminal；When the corresponding operator's platform of guardian's phone number is connection communications platform, the server can be to connection
Communications platform sends guardian's verification information, and the connection communications platform forwards guardian's verification information to monitoring again
The mobile terminal of people.
S23, the identifying code that the mobile terminal is sent according to the verification information is received, and confirms whether the identifying code leads to
Cross verifying, wherein the identifying code includes the first short message random verification code and guardian's verifying letter in user authentication information
The second short message random verification code in breath.
In the present embodiment, after the verification information that the mobile terminal receives that operator's platform is sent, on display circle
Face prompts the first random short message identifying code and the second random short message identifying code in user's validation information, and is receiving
After the described first random short message identifying code and the second random short message identifying code of user's input, it is random short to send described first
Message authentication codes and the second random short message identifying code are to server.
It is understood that can be incited somebody to action when the corresponding mobile terminal of guardian receives guardian's verification information
Guardian's verification information or the second short message random verification code are forwarded to the corresponding mobile terminal of the user, to facilitate use
Family inputs the second short message random verification code.
In one embodiment, the server can also receive what customer mobile terminal was sent according to user authentication information
Identifying code, while the identifying code that guardian's mobile terminal is sent according to guardian's verification information is received, and confirm and test according to user
The identifying code and whether verifying is passed through according to the identifying code that guardian's verification information is sent that card information is sent.
After the first short message random verification code described in the acquisition for mobile terminal of user and the second short message random verification code,
The first short message random verification code and the second short message random verification code can be sent to server, the server compares
Received first short message random verification code and the second short message random verification code and the short message of preservation in the database are random
Identifying code, to confirm whether the identifying code passes through verifying.
When the first short message random verification code is consistent with the first short message random verification code in the database is saved,
And the second short message random verification code it is consistent with the second short message random verification code in the database is saved when, illustrate to verify
Code executes step S24 by verifying；
When the first short message random verification code and the first short message random verification code of preservation in the database are different
When the second short message random verification code of cause or the second short message random verification code and preservation in the database is inconsistent, say
Bright identifying code can not execute transaction by verifying, refusal, terminate process.
Step S24 executes payment transaction.
In conclusion safe payment method provided by the invention, the payment request sent including receiving customer mobile terminal,
And verification information is generated according to the payment request, wherein the verification information includes that user authentication information and guardian verify letter
Breath；The verification information is sent to corresponding operator's platform, operator's platform forward the verification information to user and
The corresponding mobile terminal of guardian；The identifying code that the customer mobile terminal is sent is received, and confirms whether the identifying code passes through
Verifying, wherein, the identifying code includes the first short message random verification code and guardian's verification information in user authentication information
In the second short message random verification code；And when confirming that the identifying code is accurate, just online transaction is allowed to continue to execute.It can lead to
Know that the guardian of user, user are currently executing online transaction behavior, and the verification information of guardian is needed just to can guarantee
The normal execution of online transaction.It is effectively guaranteed the account fund safety that self-protection realizes weak user (such as the elderly).
And this programme can also encrypt the first short message verification code.It both can be in payment process to payment transaction
The encryption protection of public key algorithm is added in payment communication between server and mobile terminal, in turn ensures the phase of payment verification
Close information do not revealed or stolen easily, effectively prevented traditional short message transmission and receive process in unencryption and occur
Various potential risks, corresponding protective action is played for attacks such as wireless monitors.
The above is only a specific embodiment of the invention, but scope of protection of the present invention is not limited thereto, for
For those skilled in the art, without departing from the concept of the premise of the invention, improvement, but these can also be made
It all belongs to the scope of protection of the present invention.
Below with reference to the 3rd to 4 figure, respectively to the functional module and hardware of the electronic equipment of the above-mentioned safe payment method of realization
Structure is introduced.
Embodiment three
Fig. 3 is the functional block diagram in secure payment device preferred embodiment of the present invention.
In some embodiments, the secure payment device 30 is run in server.The secure payment device 30 can
To include multiple functional modules as composed by program code segments.The program of each program segment in the secure payment device 30
Code can store in memory, and as performed by least one processor, with execution (being detailed in Fig. 3 and its associated description) branch
Pay function.
In the present embodiment, function of the secure payment device 30 according to performed by it can be divided into multiple functions
Module.The functional module may include: receiving module 301, sending module 302, confirmation module 303 and execution module 304.This
Inventing so-called module and referring to a kind of performed by least one processor and can complete a series of of fixed function
Computer program code segments, storage is in memory.It in some embodiments, will be in subsequent embodiment about the function of each module
Middle detailed description.
The receiving module 301 is used to receive the payment request of customer mobile terminal transmission, and raw according to the payment request
At verification information, wherein the verification information includes user authentication information and guardian's verification information.
Specifically, when user carries out delivery operation by the application program in mobile terminal, the mobile terminal is sent
For payment request to the server, the server receives the payment request, and generates verification information according to the payment request.
In the present embodiment, guardian's verification information can be one, or multiple.In order to ensure old age
People will not pay criminal by mobile payment mode because of fraud information etc., to cause heavy losses, can move
Dynamic terminal carries out increasing the verification information of guardian during mobile payment to exercise supervision.
Preferably, the customer mobile terminal can be shown in display screen whether need guardian verify option for
Family selection sends payment request in the customer mobile terminal and extremely services if the option that user's selection needs guardian to verify
When device, the server generates user authentication information and guardian's verification information according to the payment request.It is understood that being
Guarantee the elderly's account safety, default choice are that guardian is needed to verify.
Preferably, the verification information includes short message random verification code.Specifically, the server is receiving payment
After request, short message random verification code is generated in the given time, and the short message random verification code is inserted into message template
Middle generation verification information.It is understood that the message template is pre-stored in the database of the server.The clothes
The short message random verification code that business device will additionally generate saves in the database.
The format of the message template is pre-set, such as format=immobilized substance+variable of message template,
In, the variable is short message random verification code, and the immobilized substance may include payee, transaction amount etc..
Specifically, the server generates the first short message random verification code in the given time, and short by described first
Information random verification code is inserted into the first message template and generates user authentication information；
The server also generates the second short message random verification code in the given time, and by second short message with
Machine identifying code, which is inserted into the second message template, generates guardian's verification information.
Guardian's verification information is for notifying the guardian of the user user executing online transaction activity.
The user authentication information and guardian's verification information be not identical.
The first short message random verification code and the second short message random verification code are also stored in by the server
In the database.
It in the prior art, generally will not be random to the short message in order to guarantee the timeliness of short message random verification code
Identifying code is encrypted.Then once there is identifying code leakage event, just very likely the fund account of user is caused
Heavy losses.
Therefore, in the present embodiment, retransmited after the short message random verification code being encrypted to
Mobile terminal.In the present embodiment, it is only necessary to the first short message random verification code be encrypted, user is guaranteed with this
The safety of account fund.
In the present embodiment, the first short message random verification code is added by increasing by an encryption server
It is close.
Specifically, after user submits payment request to server using mobile terminal, the server receives first
Payment request simultaneously parses the payment request, and generates the first short message accidental validation in the given time according to the payment request
Code and the second short message random verification code, then the first short message random verification code is inserted into generate in the first message template and is used
The second short message random verification code is inserted into the second message template and generates guardian's verification information by family verification information.Institute
It states server and sends the user authentication information to the encryption server.The encryption server first stores the user and tests
Information is demonstrate,proved, then encryption key is called to encrypt the first short message random verification code in the user authentication information, it
The corresponding operator's platform of mobile terminal for sending encrypted user authentication information to the user afterwards is flat by the operator
Platform forwards encrypted user authentication information to the mobile terminal of user.The mobile terminal of the user receives the user's checking
After information, the first short message random verification code in encrypted user authentication information is directly extracted, and after submitting the encryption
User authentication information in the first short message random verification code to the encryption server.After the encryption server will encrypt
User authentication information in the first short message random verification code use the private key of mobile terminal and the public affairs of encryption server respectively
Key is decrypted, and obtains original user verification information, the encryption server again by after decryption original user verification information with
It is compared in previously stored user authentication information, judges whether the identifying code is wrong with this.
Preferably, the Encryption Algorithm packet the first short message random verification code in the user authentication information encrypted
It includes, but is not limited to, symmetric encipherment algorithm, rivest, shamir, adelman and hash algorithm.
Effective protection can be obtained when identifying code is transmitted by short message mode in this way, it can not be by being stolen
Decryption, at the same mobile terminal receive identifying code process can also allow user perceive payment occurring.
It is understood that in the present embodiment, it is only necessary to encrypt to the user authentication information, be guaranteed with this
The safety of user account fund.
The sending module 302 passes through the operator for sending the verification information to corresponding operator's platform
Platform by the verification information user authentication information and guardian's verification information to be respectively sent to user and guardian corresponding
Mobile terminal；
In the present embodiment, the server sends the user authentication information to the corresponding operation of customer mobile terminal
Quotient's platform, and guardian's verification information is sent to the corresponding operator's platform of guardian's mobile terminal.
In the prior art, subscriber phone number can be reserved in the server when bank handles bank card as user.
The subscriber phone number is corresponding with bank's card number of the bank card.In the present embodiment, user handles bank card in bank
When in the server other than reserved subscriber phone number, it is also necessary to the phone number of reserved at least one guardian.Often
A phone number has operator's platform of own home, and the server can be according to subscriber phone number and guardian's cell-phone number
Code sends verification information to corresponding operator's platform respectively, and operator's platform forwards the verification information to corresponding again
Mobile terminal.
For example, the server can be to shifting when the corresponding operator's platform of subscriber phone number is mobile communication platform
Dynamic communications platform sends the user authentication information, and the mobile communication platform forwards the user authentication information to user's again
Mobile terminal；When the corresponding operator's platform of guardian's phone number is connection communications platform, the server can be to connection
Communications platform sends guardian's verification information, and the connection communications platform forwards guardian's verification information to monitoring again
The mobile terminal of people.
The confirmation module 303 is used for after receiving the identifying code that the mobile terminal is sent according to the verification information,
Confirm whether the identifying code passes through verifying, wherein the identifying code includes that the first short message in user authentication information is tested at random
Demonstrate,prove the second short message random verification code in code and guardian's verification information.
In the present embodiment, after the verification information that the mobile terminal receives that operator's platform is sent, on display circle
Face prompts the first random short message identifying code and the second random short message identifying code in user's validation information, and is receiving
After the described first random short message identifying code and the second random short message identifying code of user's input, it is random short to send described first
Message authentication codes and the second random short message identifying code are to server.
It is understood that can be incited somebody to action when the corresponding mobile terminal of guardian receives guardian's verification information
Guardian's verification information or the second short message random verification code are forwarded to the corresponding mobile terminal of the user, to facilitate use
Family inputs the second short message random verification code.
After the first short message random verification code described in the acquisition for mobile terminal of user and the second short message random verification code,
The first short message random verification code and the second short message random verification code can be sent to server, the server compares
Received first short message random verification code and the second short message random verification code and the short message of preservation in the database are random
Identifying code, to confirm whether the identifying code passes through verifying.
When the first short message random verification code is consistent with the first short message random verification code in the database is saved,
And the second short message random verification code it is consistent with the second short message random verification code in the database is saved when, illustrate to verify
Code passes through verifying.
When the first short message random verification code and the first short message random verification code of preservation in the database are different
When the second short message random verification code of cause or the second short message random verification code and preservation in the database is inconsistent, say
Bright identifying code can not execute transaction by verifying, refusal.
The execution module 304 is used to execute payment transaction when confirming that identifying code is accurate.
In conclusion secure payment device 30 provided by the invention, is asked by receiving the payment that customer mobile terminal is sent
It asks, and verification information is generated according to the payment request, wherein the verification information includes user authentication information and guardian's verifying
Information；The verification information is sent to corresponding operator's platform, operator's platform forwards the verification information to user
Mobile terminal corresponding with guardian；The identifying code that the customer mobile terminal is sent is received, and confirms whether the identifying code leads to
Verifying is crossed, wherein, the identifying code includes the first short message random verification code and guardian's verifying letter in user authentication information
The second short message random verification code in breath；And when confirming that the identifying code is accurate, just online transaction is allowed to continue to execute.It can be with
It notifies the guardian of user, user to be currently executing online transaction behavior, and needs the verification information of guardian that could protect
Demonstrate,prove the normal execution of online transaction.It is effectively guaranteed the account fund peace that self-protection realizes weak user (such as the elderly)
Entirely.
And this programme can also encrypt the first short message verification code.It both can be in payment process to payment transaction
The encryption protection of public key algorithm is added in payment communication between server and mobile terminal, in turn ensures the phase of payment verification
Close information do not revealed or stolen easily, effectively prevented traditional short message transmission and receive process in unencryption and occur
Various potential risks, corresponding protective action is played for attacks such as wireless monitors.
The above-mentioned integrated unit realized in the form of software function module, can store and computer-readable deposit at one
In storage media.Above-mentioned software function module is stored in a storage medium, including some instructions are used so that a computer
It is each that equipment (can be personal computer, double screen equipment or the network equipment etc.) or processor (processor) execute the present invention
The part of a embodiment the method.
Example IV
Fig. 4 is the schematic diagram for the server that the embodiment of the present invention four provides.
The server 4 includes: database 41, memory 42, at least one processor 43, is stored in the memory 42
In and the computer program 44 and at least one communication bus 45 that can be run at least one described processor 43.
At least one described processor 43 realizes above-mentioned safe payment method embodiment when executing the computer program 44
In step.
Illustratively, the computer program 44 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 42, and are executed by least one described processor 43, to complete this hair
It is bright.One or more of module/units can be the series of computation machine program instruction section that can complete specific function, this refers to
Enable section for describing implementation procedure of the computer program 44 in the server 4.
The server 4 is that one kind can be automatic to carry out numerical value calculating and/or letter according to the instruction for being previously set or storing
The equipment of processing is ceased, hardware includes but is not limited to microprocessor, specific integrated circuit (application program lication
Specific Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate
Array, FPGA), digital processing unit (Digital Signal Processor, DSP), embedded device etc..Art technology
Personnel are appreciated that the schematic diagram 4 is only the example of server 4, do not constitute the restriction to server 4, may include
Than illustrating more or fewer components, certain components or different components are perhaps combined, such as the server 4 can be with
Including input-output equipment, network access equipment, bus etc..
The database (Database) 41 is to carry out the foundation of tissue, storage and management data according to data structure described
Warehouse on server 4.Database is generally divided into hierarchical database, network database and three kinds of relational database.?
In present embodiment, the database 41 is tested for storing the first short message random verification code with second short message at random
Demonstrate,prove code.
At least one described processor 43 can be central processing unit (Central Processing Unit, CPU),
It can also be other general processors, digital signal processor (Digital Signal Processor, DSP), dedicated integrated
Circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..The processor 43 can be microprocessor or the processor 43 is also possible to any conventional processor
Deng the processor 43 is the control centre of the server 4, utilizes each of various interfaces and the entire server 4 of connection
A part.
The memory 42 can be used for storing the computer program 44 and/or module/unit, and the processor 43 passes through
Operation executes the computer program and/or module/unit being stored in the memory 42, and calls and be stored in memory
Data in 42 realize the various functions of the server 4.The memory 42 can mainly include storing program area and storage number
According to area, wherein storing program area can application program needed for storage program area, at least one function (for example sound plays function
Energy, image player function etc.) etc.；Storage data area, which can be stored, uses created data (such as audio number according to server 4
According to, phone directory etc.) etc..In addition, memory 42 may include high-speed random access memory, it can also include non-volatile memories
Device, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card), at least one disk memory, flush memory device or other volatibility are solid
State memory device.
Program code is stored in the memory 42, and at least one described processor 43 can call the memory 42
The program code of middle storage is to execute relevant function.For example, (receiving module 301 sends mould to modules described in Fig. 3
Block 302, confirmation module 303 and execution module 304) be stored in the program code in the memory 42, and by it is described at least
Performed by one processor 43, to realize the function of the modules to reach snapshots purpose.
If the integrated module/unit of the server 4 is realized in the form of SFU software functional unit and as independent production
Product when selling or using, can store in a computer readable storage medium.Based on this understanding, the present invention realizes
All or part of the process in above-described embodiment method can also instruct relevant hardware to complete by computer program,
The computer program can be stored in a computer readable storage medium, the computer program when being executed by processor,
The step of above-mentioned each embodiment of the method can be achieved.Wherein, the computer program includes computer program code, the calculating
Machine program code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer
Readable medium may include: any entity or device, recording medium, USB flash disk, the movement that can carry the computer program code
Hard disk, magnetic disk, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory
(RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It needs to illustrate
It is that the content that the computer-readable medium includes can be fitted according to the requirement made laws in jurisdiction with patent practice
When increase and decrease, such as in certain jurisdictions, according to legislation and patent practice, computer-readable medium does not include electric carrier wave letter
Number and telecommunication signal.
Although being not shown, the server 4 can also include the power supply (such as battery) powered to all parts, preferably
, power supply can be logically contiguous by power-supply management system and at least one described processor 43, to pass through power management system
System realizes the functions such as management charging, electric discharge and power managed.Power supply can also include one or more direct current or friendship
Galvanic electricity source, recharging system, power failure detection circuit, power adapter or inverter, power supply status indicator etc. are any
Component.The server 4 can also include bluetooth module, Wi-Fi module etc., and details are not described herein.
It should be appreciated that the embodiment is only purposes of discussion, do not limited by this structure in patent claim.
In several embodiments provided by the present invention, it should be understood that disclosed electronic equipment and method, Ke Yitong
Other modes are crossed to realize.For example, electronic equipment embodiment described above is only schematical, for example, the unit
Division, only a kind of logical function partition, there may be another division manner in actual implementation.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in same treatment unit
It is that each unit physically exists alone, can also be integrated in same unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds software function module.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie
In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims
Variation is included in the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.This
Outside, it is clear that one word of " comprising " is not excluded for other units or, odd number is not excluded for plural number.The multiple units stated in system claims
Or device can also be implemented through software or hardware by a unit or device.The first, the second equal words are used to indicate name
Claim, and does not indicate any particular order.
Finally it should be noted that the above examples are only used to illustrate the technical scheme of the present invention and are not limiting, although reference
Preferred embodiment describes the invention in detail, those skilled in the art should understand that, it can be to of the invention
Technical solution is modified or equivalent replacement, without departing from the spirit of the technical scheme of the invention range.
Claims (10)
1. a kind of safe payment method is applied in server, which is characterized in that the described method includes:
The payment request that customer mobile terminal is sent is received, and verification information is generated according to the payment request, wherein the verifying
Information includes user authentication information and guardian's verification information；
The verification information is sent to corresponding operator's platform, by operator's platform by the use in the verification information
Family verification information and guardian's verification information are respectively sent to user and the corresponding mobile terminal of guardian；
The identifying code that the customer mobile terminal is sent according to the verification information is received, and confirms whether the identifying code passes through and tests
Card, wherein, the identifying code includes in the first short message random verification code and guardian's verification information in user authentication information
The second short message random verification code；And
When confirming that the identifying code passes through verifying, payment transaction is executed.
2. safe payment method as described in claim 1, which is characterized in that the payment for receiving customer mobile terminal and sending
Request, and the step of generating verification information according to the payment request specifically includes:
Receive the payment request that customer mobile terminal is sent；
The first short message random verification code and the second short message random verification code are generated in the given time；
Will the first short message random verification code be inserted into the first message template in generate user authentication information and
The second short message random verification code is inserted into the second message template and generates guardian's verification information.
3. safe payment method as claimed in claim 2, which is characterized in that this method further include: save first short message
Cease random verification code and database of the second short message random verification code into server.
4. safe payment method as claimed in claim 3, which is characterized in that receive the verifying that the customer mobile terminal is sent
Code, and confirm that the step of whether identifying code passes through verifying includes:
The first short message random verification code and the second short message random verification code that the mobile terminal is sent are received, compares and receives
The first short message random verification code and the second short message random verification code and to save the first short message in the database random
Whether identifying code and the second short message random verification code are consistent；
When received first short message random verification code is consistent with the first short message random verification code in the database is saved, and
When received second short message random verification code is consistent with the second short message random verification code of preservation in the database, confirmation verifying
Code executes payment transaction by verifying；
When received first short message random verification code and to save the first short message random verification code in the database inconsistent,
Or when received second short message random verification code and inconsistent the second short message random verification code of preservation in the database, confirmation
Identifying code can not execute payment transaction by verifying, refusal.
5. safe payment method as described in claim 1, which is characterized in that receive the payment that customer mobile terminal is sent and ask
Ask, and according to the payment request generate verification information after, this method further include to the first short message in user authentication information with
The step of machine identifying code is encrypted.
6. safe payment method as claimed in claim 5, which is characterized in that receiving testing for the customer mobile terminal transmission
After demonstrate,proving code, this method further includes the steps that decrypting the first short message random verification code in received user authentication information.
7. safe payment method as claimed in claim 5, which is characterized in that the first short message in user authentication information with
The Encryption Algorithm that machine identifying code is encrypted includes symmetric encipherment algorithm, rivest, shamir, adelman and hash algorithm.
8. a kind of mobile terminal safety payment mechanism, which is characterized in that described device includes:
Receiving module generates verification information for receiving the payment request of customer mobile terminal transmission, and according to the payment request,
Wherein, the verification information includes user authentication information and guardian's verification information；
Sending module will be described by operator's platform for sending the verification information to corresponding operator's platform
User authentication information and guardian's verification information in verification information are respectively sent to user and the corresponding mobile terminal of guardian；
Confirmation module, for after receiving the identifying code that the customer mobile terminal is sent according to the verification information, confirmation should
Whether identifying code passes through verifying, wherein the identifying code include the first short message random verification code in user authentication information and
The second short message random verification code in guardian's verification information；And
Execution module, for executing payment transaction when confirming that the identifying code passes through verifying.
9. a kind of server, which is characterized in that the server includes processor and memory, and the processor is for executing institute
Safe payment method as claimed in any of claims 1 to 7 in one of claims is realized when stating the computer program stored in memory.
10. a kind of computer readable storage medium, computer program, feature are stored on the computer readable storage medium
It is, the computer program realizes secure payment side as claimed in any of claims 1 to 7 in one of claims when being executed by processor
Method.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811151530.0A CN109146489A (en) | 2018-09-29 | 2018-09-29 | Safe payment method, device, server and storage medium |
| PCT/CN2019/077366 WO2020062784A1 (en) | 2018-09-29 | 2019-03-07 | Secure payment method and apparatus, and server and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811151530.0A CN109146489A (en) | 2018-09-29 | 2018-09-29 | Safe payment method, device, server and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109146489A true CN109146489A (en) | 2019-01-04 |
Family
ID=64814009
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811151530.0A Pending CN109146489A (en) | 2018-09-29 | 2018-09-29 | Safe payment method, device, server and storage medium |
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| WO (1) | WO2020062784A1 (en) |
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| WO2020062784A1 (en) * | 2018-09-29 | 2020-04-02 | 平安科技（深圳）有限公司 | Secure payment method and apparatus, and server and storage medium |
| CN112446706A (en) * | 2020-11-09 | 2021-03-05 | 宿州职业技术学院 | Electronic commerce linkage payment method for old users |
| CN112866225A (en) * | 2021-01-12 | 2021-05-28 | 中国工商银行股份有限公司 | Authentication method, authentication device, electronic device, and storage medium |
| CN112968892A (en) * | 2021-02-19 | 2021-06-15 | 中国工商银行股份有限公司 | Information verification method, device, computing equipment and medium |
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| CN113379411A (en) * | 2021-06-22 | 2021-09-10 | 天津蓝卡健康科技有限公司 | Method for payment system of old people |
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| JP2021514976A (en) | 2018-02-26 | 2021-06-17 | オスペダーレ・サン・ラッファエーレ・エッセエッレエッレ | NK-1 antagonist for use in the treatment of eye pain |
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| WO2020062784A1 (en) * | 2018-09-29 | 2020-04-02 | 平安科技（深圳）有限公司 | Secure payment method and apparatus, and server and storage medium |
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| CN113379411A (en) * | 2021-06-22 | 2021-09-10 | 天津蓝卡健康科技有限公司 | Method for payment system of old people |
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| WO2020062784A1 (en) | 2020-04-02 |
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