CN109359969A - A kind of mobile-payment system based on positioning confirmation - Google Patents

A kind of mobile-payment system based on positioning confirmation Download PDF

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Publication number
CN109359969A
CN109359969A CN201811216790.1A CN201811216790A CN109359969A CN 109359969 A CN109359969 A CN 109359969A CN 201811216790 A CN201811216790 A CN 201811216790A CN 109359969 A CN109359969 A CN 109359969A
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China
Prior art keywords
positioning
mobile
payment
module
tsm server
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CN201811216790.1A
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Chinese (zh)
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何晨亮
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Individual
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Individual
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Priority to CN201811216790.1A priority Critical patent/CN109359969A/en
Publication of CN109359969A publication Critical patent/CN109359969A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a kind of mobile-payment systems based on positioning confirmation, it include: mobile payment mobile phone applications client, NFC module, security module, TSM server, mobile payment mobile phone applications client sends transaction request to TSM server, NFC module obtains trading object, security module is locating module, locating module includes the first locating module and the second locating module, first locating module is used to obtain the first positioning of mobile payment mobile phone, second locating module is used to obtain the second positioning of trading object, first locating module and the second locating module are respectively by the first positioning and the second positioning synchronous to TSM server, the response of TSM server progress transaction request；After confirming transaction request, TSM server implementation transaction, TSM server simultaneously obtain real trade target position and be denoted as third positioning, when TSM server judge third positioning with second positioning it is inconsistent or first position it is excessive with third position location difference, then TSM server interruption trade.

Description

A kind of mobile-payment system based on positioning confirmation
Technical field
The present invention relates to mobile payment field more particularly to a kind of mobile-payment systems based on positioning confirmation.
Background technique
With economic continuous development, in terms of payment, by traditional in face of being paid under upper thread, gradually move towards by interconnection It is paid on the line of net.With the continuous progress of science and technology, IC industry is developed rapidly, and IC chip function is stronger and stronger, body Product is smaller and smaller, and price is lower and lower.At the same time, for mechanics of communication also in very fast development, the application of smart phone is very general Time, and the processing speed of smart phone is also getting faster, and function is also stronger and stronger.And wireless network is covered and can be supported Service traffics be also to be stepped up.The development of these basic technologies has pushed being further change in for the means of payment, based on movement The mode of terminal payment, is gradually accepted.At the same time, it has to face a new problem, how ensure mobile branch The information security paid, the especially safety of fund and personal information, will be a very big potential technical security problems.Mutually Networking is an open network, passes through common technological means, it is easy to obtain personal information and fund information.For moving Dynamic internet, this problem is more obvious, existing because mobile Internet can not be docked by the way of special line with financial institution Some cipher modes are essentially all software cryptography, the disadvantage of software cryptography be easy to be captured by hacker by wooden horse and It is utilized by hacker.In terminal practical application, being implanted into unintentionally a large amount of APP, (Application, third-party application are soft Part), the security level of these APP is very different, it is easy to be utilized by trojan horse, to obtain personal information and fund letter Breath, and it is possible to will appear some behaviors for distorting Transaction Information and trade quotation, so as to cause the safety of mobile payment Property is affected.
Summary of the invention
Goal of the invention:
For in terminal practical application, it can be implanted into unintentionally a large amount of APP (Application, third-party application software), this The security level of a little APP is very different, it is easy to it is utilized by trojan horse, so that personal information and fund information are obtained, and And be possible to will appear some behaviors for distorting Transaction Information and trade quotation, so as to cause mobile payment safety by The problem of influence, the present invention provide a kind of mobile-payment system based on positioning confirmation.
Technical solution:
A kind of mobile-payment system based on positioning confirmation, comprising: mobile payment mobile phone applications client, NFC module, safe mould Block, TSM server, the mobile payment mobile phone applications client and the NFC module and security module interconnect, the movement Mobile phone with payment function applications client is used to send transaction request to the TSM server, and the NFC module is used to be based on NFC technique Trading object is obtained, the security module is locating module, and the locating module, which is divided into, is contained in the first of mobile payment mobile phone The second locating module that the trading object that locating module and NFC module obtain includes, first locating module is for obtaining First positioning of mobile payment mobile phone position, second locating module is for obtaining the second of trading object position Positioning, first locating module and second locating module position respectively by described first and the second positioning synchronous is to institute TSM server is stated, the TSM server carries out the transaction request according to the matching degree of first positioning and the second positioning Response；After confirming transaction request, the TSM server obtains the transaction and the mobile payment that the NFC module is sent The real trade content of mobile phone applications client simultaneously is implemented to trade, and the target that the TSM server obtains real trade simultaneously is fixed Position is simultaneously denoted as third positioning, when the TSM server judges that third positioning positions inconsistent or the first positioning and third with second Position location difference is excessive, then the TSM server interrupts transaction.
As a kind of preferred embodiment of the invention, the locating module further includes third locating module, the third positioning Module is directly connected in the TSM server.
As a kind of preferred embodiment of the invention, the TSM server judges first positioning and second positioning Alternate position spike whether enter payment orientation range, when the TSM server judge alternate position spike enter pay orientation range in, it is described TSM server confirms transaction request.
As a kind of preferred embodiment of the invention, the mobile-payment system includes that user confirms end and businessman's confirmation End, the TSM server confirm that end and businessman confirm that end is finally completed payment by the user.
As a kind of preferred embodiment of the invention, the user confirms that end confirmation businessman confirms the trade quotation at end, described Businessman confirms that end confirmation user confirms the trade quotation at end.
As a kind of preferred embodiment of the invention, the user confirms that end and businessman confirm that end is respectively arranged with payment limit Volume order, the payment limit order are used to carry out mutual trade quotation the limitation of payment limit.
As a kind of preferred embodiment of the invention, the TSM server is monitored the payment limit order.
As a kind of preferred embodiment of the invention, the security module further includes alarm module, and the alarm module is in institute It states and carries out the warning that payment is transfinited when TSM server judges transaction amount beyond payment limit, the TSM module pause transaction.
As a kind of preferred embodiment of the invention, when user confirms that end is trade quotation main body, the alarm module side Merchant confirms terminal alerting；When businessman confirms that end is trade quotation main body, the alarm module stresses user and confirms end warning.
The present invention realize it is following the utility model has the advantages that
Using and NFC technique location information is defined to being defined to both parties so that the friendship of both parties The degree of change of easy information and information is solved in terminal practical application, can be planted unintentionally by a degree of restriction Enter a large amount of APP, and be easy to be utilized by trojan horse, to obtain personal information and fund information, and it is possible to meeting There are some behaviors for distorting Transaction Information and trade quotation, affected is asked so as to cause the safety of mobile payment Topic.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows the implementation for meeting the disclosure Example, and consistent with the instructions for explaining the principles of this disclosure.
Fig. 1 is frame diagram of the present invention；
Fig. 2 is working drawing of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.
Embodiment one:
It is Fig. 1-2 with reference to figure.A kind of mobile-payment system based on positioning confirmation, comprising: mobile payment mobile phone applications client 1, NFC module 2, security module 3, TSM server 4, the mobile payment mobile phone applications client 1 and the NFC module 2 and Security module 3 interconnects, and the mobile payment mobile phone applications client 1 is used to send transaction request, institute to the TSM server 4 State NFC module 2 for based on NFC technique obtain trading object, the security module 3 be locating module, the locating module divide For the first locating module 5 and trading object the second positioning mould that includes that obtains of NFC module 2 for being contained in mobile payment mobile phone Block 6, first locating module 5 are used to obtain the first positioning of mobile payment mobile phone position, second locating module 6 For obtaining the second positioning of trading object position, first locating module 5 respectively will with second locating module 6 First positioning and the second positioning synchronous to the TSM server 4, the TSM server 4 according to first positioning with And second the matching degree of positioning carry out the response of the transaction request；After confirming transaction request, the TSM server 4 is obtained The real trade content of the transaction that the NFC module 2 is sent and the mobile payment mobile phone applications client 1 simultaneously is implemented to trade, The target that the TSM server 4 obtains real trade simultaneously position and is denoted as third and positions, when the TSM server 4 judges the Three positioning with second positioning it is inconsistent or first position it is excessive with third position location difference, then break off a friendship in the TSM server 4 Easily.
As a kind of preferred embodiment of the invention, the locating module further includes third locating module 7, the third positioning Module 7 is directly connected in the TSM server 4.
As a kind of preferred embodiment of the invention, the TSM server 4 judges first positioning and second positioning Alternate position spike whether enter payment orientation range, when the TSM server 4 judge alternate position spike enter pay orientation range in, institute It states TSM server 4 and confirms transaction request.
As a kind of preferred embodiment of the invention, the mobile-payment system includes that user confirms end 8 and businessman's confirmation End 9, the TSM server 4 confirm that end 8 and businessman confirm that end 9 is finally completed payment by the user.
As a kind of preferred embodiment of the invention, the user confirms that end 8 confirms that businessman confirms the trade quotation at end 9, institute It states businessman and confirms that end 9 confirms that user confirms the trade quotation at end 8.
As a kind of preferred embodiment of the invention, the user confirms that end 8 and businessman confirm that end 9 is respectively arranged with payment Limit order, the payment limit order are used to carry out mutual trade quotation the limitation of payment limit.
As a kind of preferred embodiment of the invention, the TSM server 4 is monitored the payment limit order.
As a kind of preferred embodiment of the invention, the security module 3 further includes alarm module, and the alarm module is in institute It states and carries out the warning that payment is transfinited when TSM server 4 judges transaction amount beyond payment limit, the TSM module pause transaction.
As a kind of preferred embodiment of the invention, when user confirms that end 8 is trade quotation main body, the alarm module side Merchant confirms terminal alerting；When businessman confirms that end 9 is trade quotation main body, the alarm module stresses user and confirms that end 8 is alert Show.
In the specific implementation process, when needing to pay using the means of mobile payment when buying commodity as user, User carries out the acquisition of payment link using mobile payment mobile phone applications client 1 and NFC module 2, such as uses mobile hand Machine carries out the barcode scanning of two dimensional code, using modes such as Apple Pay, by taking Apple Pay as an example, when user is using Apple Pay's When the means of payment, the acquisition that near radio technology carries out transaction link is carried out using Apple Pay, in user by mobile payment When mobile phone is close to the receiver of businessman, NFC module 2 obtain user mobile payment mobile phone and businessman receiver establish it is wireless Connection, and information extraction is carried out according to the trading object for being wirelessly connected this user of acquisition, and to trading object.NFC module 2 obtains When taking wireless connection, TSM server 4 carries out the intrinsic connection under present case to the both ends of the wireless connection, i.e., will use at this time The corresponding trading object of the transaction link that the mobile payment mobile phone at family and the businessman are provided using NFC technique positions Connection, under the connection, the first locating module 5 of mobile payment mobile phone uses mobile payment mobile phone position at this time Position is positioned and is denoted as the first positioning at this time at family, and the second locating module 6 of the trading object that NFC module 2 obtains is right Trading object at this time where position positioned and be denoted as the second positioning, the first locating module 5 and the second locating module 6 divide Not by first positioning and the second positioning synchronous into TSM server 4, TSM server 4 to first positioning and second position into Apart from upper restriction, i.e., the calculating of row positioning difference, 4 pairs of the TSM server payments carried out using NFC technique and transaction are carried out The restriction of distance is further carried out in NFC payment means just adjusting the distance to have certain requirements originally, and is limited to certain Orientation range is paid, i.e., mobile payment mobile phone applications client 1 just will receive the hair of TSM server 4 in the payment orientation range The feedback for the confirmation transaction request sent, thus, when being traded, the positioning of user must be in the payment orientation range It is interior, it avoids user and obtains trading object information after certain transaction and then made using trading object information a series of illegal Thing, to protect the safety of trading object；In process of exchange, TSM server 4 can carry out real-time tracing to transaction, for handing over The realistic objective positioning of easy object is tracked.After confirming transaction request, TSM server 4 sends trade quotation, and according to NFC The real trade content of transaction and mobile payment mobile phone applications client 1 that module 2 is sent carries out the tracking of trade quotation, when having When trading object confirms trade quotation, the counterparty that third locating module 7 confirms trade quotation is positioned Confirmation, be denoted as third positioning, and third positioning is sent to TSM server 4, TSM server 4 judge third positioning and second Whether positioning is consistent, if so, judging the positioning and the practical transaction for confirming trade quotation for the trading object that NFC module 2 obtains The positioning of object is consistent, and then judges whether the first positioning is excessive with third position location difference, judgment basis and above-mentioned payment Orientation range is consistent, if two judgements are all set up, TSM server 4 allows and confirm transaction, and user and trading object are completed to hand over Easily；When having that any one is invalid in two judgements, then the rejection of TSM server 4 transaction.
For trade quotation, by NFC module 2, user's mobile payment mobile phone sent to businessman or trading object or Trade quotation is obtained, for the price shown on trade quotation, often there are many people carefully not see number, therefore for handing over Easily quotation, user confirm that the payment limit order that end 8 or businessman confirm that end 9 is arranged can carry out payment limit to trade quotation and sentence Fixed, after judging beyond limit, user confirms that end 8 or businessman confirm that the alarm module at end 9 will do it the warning that payment is transfinited, TSM suspends transaction immediately.And often have certain hiding quotation behind in trade quotation, TSM server 4 to it is hiding offer into Row monitoring, and trade quotation is compared with comparison other of the quotation as payment limit is hidden.And for payment limit life It enables, TSM server 4 can monitor the degree of change of payment limit order in real time, and payment limit order is avoided illegally to be distorted.
The above embodiments merely illustrate the technical concept and features of the present invention, and the purpose is to allow the skill for being familiar with the technical field Art personnel can understand the content of the present invention and implement it accordingly, and can not be limited the scope of the invention with this.All bases Equivalent changes or modifications made by spirit of the invention, should be covered by the protection scope of the present invention.

Claims (9)

1. a kind of mobile-payment system based on positioning confirmation, comprising: mobile payment mobile phone applications client, NFC module, safety Module, TSM server, the mobile payment mobile phone applications client and the NFC module and security module interconnect, the shifting Dynamic mobile phone with payment function applications client is used to send transaction request to the TSM server, and the NFC module is used to be based on NFC skill Art obtains trading object, it is characterised in that: the security module is locating module, and the locating module, which is divided into, is contained in mobile branch The second locating module that the trading object that the first locating module and NFC module for paying mobile phone obtain includes, first positioning Module is used to obtain the first positioning of mobile payment mobile phone position, and second locating module is for obtaining trading object institute The second positioning in position, first locating module and second locating module position described first and second respectively Positioning synchronous to the TSM server, the TSM server is carried out according to the matching degree of first positioning and the second positioning The response of the transaction request；After confirming transaction request, the TSM server obtain transaction that the NFC module is sent with The real trade content of the mobile payment mobile phone applications client simultaneously is implemented to trade, and the TSM server obtains reality simultaneously The target of transaction positions and is denoted as third positioning, when the TSM server judge that third positioning positions inconsistent or the with second One positioning is excessive with third position location difference, then the TSM server interrupts transaction.
2. a kind of mobile-payment system based on positioning confirmation according to claim 1, it is characterised in that: the positioning mould Block further includes third locating module, and the third locating module is directly connected in the TSM server.
3. a kind of mobile-payment system based on positioning confirmation according to claim 1, it is characterised in that: the TSM clothes Business device judges whether first positioning and the alternate position spike of second positioning enter payment orientation range, when the TSM is serviced Device judges that alternate position spike enters in payment orientation range, and the TSM server confirms transaction request.
4. a kind of mobile-payment system based on positioning confirmation according to claim 1, it is characterised in that: the mobile branch The system of paying includes that user confirms that end and businessman confirm end, and the TSM server confirms that end and businessman are true by the user Recognize end and is finally completed payment.
5. a kind of mobile-payment system based on positioning confirmation according to claim 4, it is characterised in that: the user is true Recognize the trade quotation that end confirmation businessman confirms end, the businessman confirms that end confirmation user confirms the trade quotation at end.
6. a kind of mobile-payment system based on positioning confirmation according to claim 5, it is characterised in that: the user is true Recognize end and businessman confirms that end is respectively arranged with payment limit order, the payment limit order is used for mutual trade quotation Carry out the limitation of payment limit.
7. a kind of mobile-payment system based on positioning confirmation according to claim 6, it is characterised in that: the TSM clothes Business device is monitored the payment limit order.
8. a kind of mobile-payment system based on positioning confirmation according to claim 7, it is characterised in that: the safe mould Block further includes alarm module, and the alarm module is propped up when the TSM server judges transaction amount beyond payment limit Pay the warning transfinited, the TSM module pause transaction.
9. a kind of mobile-payment system based on positioning confirmation according to claim 8, it is characterised in that: when user confirms When end is trade quotation main body, the alarm module stresses quotient and confirms terminal alerting；When businessman confirms that end is trade quotation main body When, the alarm module stresses user and confirms end warning.
CN201811216790.1A 2018-10-18 2018-10-18 A kind of mobile-payment system based on positioning confirmation Withdrawn CN109359969A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201811216790.1A CN109359969A (en) 2018-10-18 2018-10-18 A kind of mobile-payment system based on positioning confirmation

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Application Number Priority Date Filing Date Title
CN201811216790.1A CN109359969A (en) 2018-10-18 2018-10-18 A kind of mobile-payment system based on positioning confirmation

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CN109359969A true CN109359969A (en) 2019-02-19

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CN201811216790.1A Withdrawn CN109359969A (en) 2018-10-18 2018-10-18 A kind of mobile-payment system based on positioning confirmation

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111062718A (en) * 2019-12-11 2020-04-24 北京牛卡福网络科技有限公司 Method, apparatus, system, and medium for secure transactions

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111062718A (en) * 2019-12-11 2020-04-24 北京牛卡福网络科技有限公司 Method, apparatus, system, and medium for secure transactions
CN111062718B (en) * 2019-12-11 2021-06-01 北京牛卡福网络科技有限公司 Method, apparatus, system, and medium for secure transactions

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Application publication date: 20190219