CN110378695A - Bank card payment method, device, equipment and computer storage medium - Google Patents

Bank card payment method, device, equipment and computer storage medium Download PDF

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Publication number
CN110378695A
CN110378695A CN201910539936.4A CN201910539936A CN110378695A CN 110378695 A CN110378695 A CN 110378695A CN 201910539936 A CN201910539936 A CN 201910539936A CN 110378695 A CN110378695 A CN 110378695A
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CN
China
Prior art keywords
payment
information
verification
account identification
bank card
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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CN201910539936.4A
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Chinese (zh)
Inventor
刘金满
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OneConnect Smart Technology Co Ltd
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OneConnect Smart Technology Co Ltd
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Application filed by OneConnect Smart Technology Co Ltd filed Critical OneConnect Smart Technology Co Ltd
Priority to CN201910539936.4A priority Critical patent/CN110378695A/en
Publication of CN110378695A publication Critical patent/CN110378695A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Device specific authentication in transaction processing

Abstract

The present invention relates to electronic banking fields, the invention discloses a kind of bank card payment methods, it include: to obtain payment verification in the payment verification request for receiving cash receiving terminal transmission and request corresponding account identification and payment cipher, and verified for the first time according to account identification and payment cipher;When being verified for the first time, the corresponding history payment information of account identification is obtained, and according to history payment information, judges whether payment verification request meets secondary verification condition;When meeting secondary verification condition, verification tip information is sent to the corresponding user terminal of account identification;When receiving the verification information of user terminal feedback, secondary verifying is carried out according to verification information, executes delivery operation in secondary be verified.The invention also discloses a kind of bank card payment mechanism, equipment and computer storage mediums.The present invention carries out secondary verifying to the payment verification request of bank card, reduces bank card payment risk.

Description

Bank card payment method, device, equipment and computer storage medium
Technical field
The present invention relates to electronic banking fields more particularly to bank card payment method, device, equipment and computer storage to be situated between Matter.
Background technique
With popularizing for bank card, bank card means of payment are also increasing, not only easy to operate using bank card payment, And eliminate the trouble of small change.
Bank card can also be attached to many risks while bringing convenience to holder, such as.Current typical bank card Stolen brush case usually steals-duplication-to realize by duplication bank card magnetic strip information and stealing passwords and steals brush to reach set Existing target.The exemplary means of duplication magnetic strip information include: that bank card is lost or is stolen, and then replicates magnetic stripe by criminal Information, or card device is stolen in installation on the card inserting mouth of ATM.Suspect clones bank card using these information to steal Take the wealth on other people bank cards.How to reduce the risk in bank card payment process becomes current technology urgently to be resolved Problem.
Summary of the invention
The main purpose of the present invention is to provide a kind of bank card payment method, device, equipment and computer storage medium, Aim to solve the problem that the dangerous excessively high problem of current bank card payment process apoplexy.
To achieve the above object, the present invention provides bank card payment method, and the bank card payment method includes following step It is rapid:
In the payment verification request for receiving cash receiving terminal transmission, obtains the payment verification and request corresponding account mark Knowledge and payment cipher, and verified for the first time according to the account identification and the payment cipher;
When being verified for the first time, the corresponding history payment information of the account identification is obtained, and according to the history branch Information is paid, judges whether the payment verification request meets secondary verification condition;
When payment verification request meets secondary verification condition, verification tip information is sent to the account identification pair The user terminal answered, so that the user terminal corresponds to user's validation information;
When receiving the verification information of the user terminal feedback, secondary verifying is carried out according to the verification information, It is secondary to execute delivery operation when being verified.
Optionally, described in the payment verification request for receiving cash receiving terminal transmission, obtain the payment verification request Corresponding account identification and payment cipher, and the step of being verified for the first time according to the account identification and the payment cipher, Include:
In the payment verification request for receiving cash receiving terminal transmission, obtains the payment verification and request corresponding account mark Knowledge and payment cipher;
Default account and password mapping table are inquired, obtains the corresponding preset standard password of the account identification, and will be described Preset standard password is compared with the payment cipher;
In the preset standard password and the payment cipher difference, password miscue information is sent to the account Corresponding user terminal is identified, so that the user terminal corresponds to user and inputs new payment cipher;
When the preset standard password is identical as the payment cipher, judgement is verified for the first time.
Optionally, described to obtain the corresponding history payment information of the account identification when being verified for the first time, and according to The history payment information judges the step of whether the payment verification request meets secondary verification condition, comprising:
When being verified for the first time, the corresponding default verification mode of the account identification is obtained, and judges that described preset is tested Whether verified comprising position in card mode;
When in the default verification mode comprising position verification, the corresponding first location information of the cash receiving terminal is obtained The second location information of user terminal is corresponded to the account identification;
When the first location information is with the second location information difference, locking prompt is sent to the account identification Corresponding user terminal locks the corresponding bank card of the account identification so that the user terminal corresponds to user;
When the first location information is identical with the second location information, the corresponding history of the account identification is obtained Payment information, and according to the history payment information, judge whether the payment verification request meets secondary verification condition.
Optionally, described to obtain the corresponding history payment information of the account identification when being verified for the first time, and according to The history payment information judges the step of whether the payment verification request meets secondary verification condition, comprising:
When being verified for the first time, the corresponding history payment information of the account identification is obtained, wherein the history payment Information includes history payment amount and history time of payment;
It is always golden in the payment of the first preset time period according to the history payment amount and history time of payment calculating Volume and payment frequency;
When the payment total amount is greater than default total amount or the payment frequency is greater than predeterminated frequency, the branch is determined It pays checking request and meets secondary verification condition.
Optionally, described when payment verification request meets secondary verification condition, verification tip information is sent to institute The step of stating the corresponding user terminal of account identification, corresponding to user's validation information for the user terminal, comprising:
When payment verification request meets secondary verification condition, account identification described in the second preset time period is obtained Corresponding history verifying record;
The verifying number for counting each verification information in the history verifying record will be verified the least verification information of number and be made For information to be verified, and generates the corresponding verification tip information of the information to be verified and be sent to the corresponding use of the account identification Family terminal, so that the user terminal corresponds to user's validation information.
Optionally, described when receiving the verification information of the user terminal feedback, it is carried out according to the verification information Secondary verifying executes the step of delivery operation in secondary be verified, comprising:
It is when receiving the verification information of the user terminal feedback, the verification information is corresponding with the account identification Preset standard information be compared;
In the verification information and the preset standard information matches, judgement is secondary to be verified, and executes payment behaviour Make;
When the verification information and the preset standard information mismatch, verification information miscue information is sent to institute The corresponding user terminal of account identification is stated, new verification information is inputted to prompt the user terminal to correspond to user, is detecting When mistake inputs number arrival preset threshold, the corresponding bank card of the account identification is locked.
Optionally, described to obtain the corresponding history payment information of the account identification when being verified for the first time, and according to The history payment information, after judging that the payment verification requests the step of whether meeting secondary verification condition, comprising:
When payment verification request does not meet secondary verification condition, the corresponding payment amount of payment request is obtained;
When the payment amount is greater than default amount threshold value, signature prompt is sent to the cash receiving terminal, for described Account identification corresponds to user and inputs signing messages on the cash receiving terminal;
It receives the signing messages that the cash receiving terminal is sent and executes branch in the signing messages and default signatures match Pay operation.
In addition, to achieve the above object, the present invention also provides a kind of bank card payment mechanism, the bank card payment mechanism Include:
Request receiving module, for obtaining the payment and testing in the payment verification request for receiving cash receiving terminal transmission Card requests corresponding account identification and payment cipher, and is verified for the first time according to the account identification and the payment cipher;
Judgment module is verified, for obtaining the corresponding history payment information of the account identification when being verified for the first time, And according to the history payment information, judge whether the payment verification request meets secondary verification condition;
Cue module is sent, for sending verification tip letter when payment verification request meets secondary verification condition Breath is to the corresponding user terminal of the account identification, so that the user terminal corresponds to user's validation information;
Execution module is verified, for being believed according to the verifying when receiving the verification information of the user terminal feedback Breath carries out secondary verifying, executes delivery operation in secondary be verified.
In addition, to achieve the above object, the present invention also provides a kind of bank card payment devices;
The bank card payment devices include: memory, processor and are stored on the memory and can be at the place The computer program run on reason device, in which:
The step of computer program realizes bank card payment method as described above when being executed by the processor.
In addition, to achieve the above object, the present invention also provides computer storage mediums;
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium Such as the step of above-mentioned bank card payment method.
A kind of bank card payment method, device, equipment and the computer storage medium that the embodiment of the present invention proposes, server In the payment verification request for receiving cash receiving terminal transmission, obtains the payment verification and request corresponding account identification and payment Password, and verified for the first time according to the account identification and the payment cipher;When being verified for the first time, the account is obtained Family identifies corresponding history payment information, and according to the history payment information, judges whether the payment verification request meets Secondary verification condition;When payment verification request meets secondary verification condition, verification tip information is sent to the account Corresponding user terminal is identified, so that the user terminal corresponds to user's validation information;Receiving the user terminal When the verification information of feedback, secondary verifying is carried out according to the verification information, executes delivery operation in secondary be verified.This In invention during bank card is paid, server requests corresponding account identification to obtain history disbursement letter according to payment verification Breath, and corresponding payment verification is arranged according to history payment information and is operated, the risk of bank card payment is reduced, it is effectively simultaneous Bank card payment safety and user's operation convenience are cared for.
Detailed description of the invention
Fig. 1 is the apparatus structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to;
Fig. 2 is the flow diagram of bank card payment method first embodiment of the present invention;
Fig. 3 is the functional block diagram of one embodiment of bank card payment mechanism of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
As shown in Figure 1, the server that Fig. 1 is the hardware running environment that the embodiment of the present invention is related to (is called bank card Payment devices, wherein bank card payment devices can be to be made of individual bank card payment mechanism, is also possible to be filled by other Set and combine to be formed with bank card payment mechanism) structural schematic diagram.
Server of the embodiment of the present invention refers to a management resource and provides the computer of service for user, is generally divided into file Server, database server and apps server.The computer or computer system for running the above software are also referred to as Server.For common PC (personal computer) personal computer, server is in stability, safety, property Energy etc. requires higher;As shown in Figure 1, the server may include: processor 1001, such as central processing unit (Central Processing Unit, CPU), network interface 1004, user interface 1003, memory 1005, communication bus 1002, hardware such as chipset, disk system, network etc..Wherein, communication bus 1002 is for realizing the connection between these components Communication.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user Interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include having for standard Line interface, wireless interface (such as Wireless Fidelity WIreless-FIdelity, WIFI interface).Memory 1005 can be high speed with Machine accesses memory (random access memory, RAM), is also possible to stable memory (non-volatile ), such as magnetic disk storage memory.Memory 1005 optionally can also be the storage dress independently of aforementioned processor 1001 It sets.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound Frequency circuit, WiFi module;Input unit, than display screen, touch screen;Network interface can be blue in blanking wireless interface in addition to WiFi Tooth, probe etc..It will be understood by those skilled in the art that server architecture shown in Fig. 1 does not constitute the restriction to server, It may include perhaps combining certain components or different component layouts than illustrating more or fewer components.
As shown in Figure 1, the computer software product, which is stored in a storage medium, (storage medium: is called computer storage Medium, computer media, readable medium, readable storage medium storing program for executing, computer readable storage medium are directly medium etc., storage Medium can be non-volatile readable storage medium, such as RAM, magnetic disk, CD) in, including some instructions use is so that an end End equipment (can be mobile phone, computer, server, air conditioner or the network equipment etc.) executes each embodiment institute of the present invention The method stated, as may include operating system, network communication module, use in a kind of memory 1005 of computer storage medium Family interface module and computer program.
In server shown in Fig. 1, network interface 1004 be mainly used for connect background data base, with background data base into Row data communication;User interface 1003 is mainly used for connection client, and (client, is called user terminal or terminal, and the present invention is implemented Example terminal can be also possible to mobile terminal with fixed terminal, e.g., intelligent air condition, intelligent electric lamp, intelligent power with network savvy, Intelligent sound box, autonomous driving vehicle, PC, smart phone, tablet computer, E-book reader, portable computer etc., are wrapped in terminal Containing sensor such as optical sensor, motion sensor and other sensors, details are not described herein), data are carried out with client Communication;And processor 1001 can be used for calling the computer program stored in memory 1005, and it is real to execute the present invention or less Step in the bank card payment method of example offer is provided.
The present embodiment provides a kind of bank card payment methods, applied in server as shown in Figure 1.
Referring to Fig. 2, in a kind of first embodiment of bank card payment method of the present invention, the bank card payment method packet It includes:
Step S10 obtains the payment verification request and corresponds in the payment verification request for receiving cash receiving terminal transmission Account identification and payment cipher, and verified for the first time according to the account identification and the payment cipher.
When server receives the request of cash receiving terminal payment verification, server obtains to be carried in payment verification request Account identification and payment cipher, wherein account identification refers to the payment information of unique identification bank card, and e.g., bank's card number needs Illustrate, the triggering mode of payment verification request is not especially limited, for example, when bank's cardholder carries out bankcard consumption When, payment verification request will be received by corresponding to cash receiving terminal by POS machine, at this point, POS machine, which corresponds to cash receiving terminal, will pay Checking request is sent to server, and server obtains the card number and payment cipher of the bank card, and server is using card number as the branch Pay the corresponding account identification of checking request.
After server gets account identification and payment cipher, server first judges whether payment cipher is correct, tool Body, comprising:
Step a1 inquires default account and password mapping table, obtains the corresponding preset standard password of the account identification, and The preset standard password is compared with the payment cipher;
Step a2 sends password miscue information extremely in the preset standard password and the payment cipher difference The account identification corresponds to user terminal, so that the user terminal corresponds to user and inputs new payment cipher;
Step a3, when the preset standard password is identical as the payment cipher, judgement is verified for the first time.
That is, server inquires default account and password mapping table, wherein default account and password mapping table refer to server In pre-stored each payment cipher and account identification mapping table, that is, the bank card user when bank card account is opened an account The actively payment cipher of setting, and server is using the payment cipher of user setting as preset standard password, and by preset standard Password is associated with corresponding account identification, is added in account and password mapping table;Server obtain default account with it is close The corresponding preset standard password of account identification in code mapping table, and preset standard password is compared with payment cipher;Pre- If when standard cipher and payment cipher difference, server sends password miscue information to account identification and corresponds to user terminal, So that user terminal corresponds to user and inputs new payment cipher, if the bank card of user lose, user can be according to close Code miscue information, carries out the locking of bank card;When preset standard password is identical as payment cipher, determine that first verifying is logical It crosses.
Step S20 obtains the corresponding history payment information of the account identification, and according to institute when being verified for the first time History payment information is stated, judges whether the payment verification request meets secondary verification condition.
Specifically, comprising:
Step b1 obtains the corresponding history payment information of the account identification, wherein described when being verified for the first time History payment information includes history payment amount and history time of payment;
Step b2 calculates the branch in the first preset time period according to the history payment amount and the history time of payment Pay total amount and payment frequency;
Step b3 sentences when the payment total amount is greater than default total amount or the payment frequency is greater than predeterminated frequency The fixed payment verification request meets secondary verification condition.
Server to payment verification request verified for the first time when being verified, server obtain account identification correspondence History payment information, wherein history payment information include: history payment amount, the history time of payment, history payment address and History pays flowing water;Server obtains the first preset time period, and (the first preset time period refers to pre-set time interval, uses Family can according to need the first preset time period of flexible setting, for example, being set as one week or a working day) in history Payment amount, server calculate the payment total amount in the first preset time period, and server obtains each of the first preset time period The payment frequency of the first preset time period is calculated in a time of payment.
Being greater than default total amount in payment total amount, (default total amount can be arranged according to concrete scene, such as be set as 2 Ten thousand) or payment frequency be greater than predeterminated frequency (predeterminated frequency refers to that pre-set frequency values, such as predeterminated frequency are set as daily 5 times) when, determine that payment verification request meets secondary verification condition.
Step S30 sends verification tip information to the account when payment verification request meets secondary verification condition Family identifies corresponding user terminal, so that the user terminal corresponds to user's validation information.
When server determines that payment verification request meets secondary verification condition, server is obtained in the second preset time period Account identification corresponding history verifying record, wherein the second preset time period refers to the pre-set period, second it is default when Between section identical as the first preset time period can also be different, for example, setting for 1 week for the second preset time period;Clothes The history verification information that business device is got refers to the biological information that user inputs in bank card history payment process, and history is tested Demonstrate,proving information includes: fingerprint identifier, facial image information, palm print information, iris information or voiceprint etc..
The verifying number of each verification information, will verify the least verification information of number in server statistics history verifying record As information to be verified, for example, include: fingerprint identifier 10 times in history verification information, facial image information 8 times and vocal print Information 5 times, server is using voiceprint as information to be verified, and then, server generates the corresponding verification tip of voiceprint Verification tip information is sent to the corresponding user terminal of account identification by information, server, so as to correspond to user defeated for user terminal Enter verification information.
Step S40 is carried out secondary when receiving the verification information of the user terminal feedback according to the verification information Verifying, executes delivery operation in secondary be verified.
Specifically, comprising:
Step c1, when receiving the verification information of the user terminal feedback, by the verification information and the account Corresponding preset standard information is identified to be compared;
Step c2, in the verification information and the preset standard information matches, judgement is secondary to be verified, and is executed Delivery operation;
Step c2 sends verification information miscue when the verification information and the preset standard information mismatch Information inputs new verification information to prompt the user terminal to correspond to user to the corresponding user terminal of the account identification, When detecting that mistake input number reaches preset threshold, the corresponding bank card of the account identification is locked.
When server receives the verification information of user terminal feedback, server is corresponding with account identification by verification information Preset standard information be compared;Wherein, householder is used when preset standard information refers to the bank card saved in server registration The verification information of dynamic input, when server determines verification information and preset standard information matches, for example, being received in server User's face image and the similarity of preset standard user's face image be 95%, i.e. verification information and preset standard information Match, server judgement is secondary to be verified, and executes delivery operation.
When server determines verification information and preset standard information mismatches, server sends verification information miscue Information inputs new verification information to prompt user terminal to correspond to user to the corresponding user terminal of account identification, at the same time, It is (default to detect that mistake input number reaches preset threshold in server for the number of server statistics verification information input error Threshold value refers to pre-set verification information input critical value, for example, preset threshold is 5 times) when, lock the account identification pair The bank card answered.
For server when receiving payment verification request, it is corresponding that server obtains payment verification request in the present embodiment Account identification and payment cipher, the payment cipher that server is inputted according to user are verified for the first time, and then, server obtains account Family identifies the history payment information of corresponding bank card, and server judges whether to secondary verifying according to history payment information, has It ensure that effect the safety of bank card payment.
Further, on the basis of first embodiment of the invention, the second of bank card payment method of the present invention is proposed Embodiment.
The present embodiment is the refinement of example step S20 in the first implementation, and server setting position verifies in the present embodiment, to mention The safety of high bank card payment, the bank card payment method include:
Step S21 obtains the corresponding default verification mode of the account identification, and judge institute when being verified for the first time It states in default verification mode and whether is verified comprising position.
When being verified for the first time of payment verification request is determined in server, and it is corresponding that server obtains account mark Default verification mode, default verification mode refer to that the user stored in server presets the verification mode of bank card payment, For example, including position verification and short message verification in pre-set verification mode, wherein position verification refers to that server is paid (user location is true by the position of user terminal with user location for position (location for payment is determined by the position of cash receiving terminal) It is fixed) whether consistent verification mode, server judges whether verify comprising position in default verification mode.
Step S22 obtains the cash receiving terminal corresponding first when in the default verification mode comprising position verification Location information and the account identification correspond to the second location information of user terminal.
Determine that server obtains cash receiving terminal corresponding first when verifying in default verification mode comprising position in server Location information, that is, server can determine that the position of cash receiving terminal or server can be with according to the IP address of cash receiving terminal The corresponding first location information of cash receiving terminal is determined according to the location information that cash receiving terminal is sent, and similarly, server obtains account The second location information of corresponding user terminal is identified, first location information and second location information are compared, sentence by server Whether disconnected first location information and second location information are identical.
Step S23 sends locking and prompts to described when the first location information is with the second location information difference The corresponding user terminal of account identification locks the corresponding bank card of the account identification so that the user terminal corresponds to user;
When server determines first location information and the second location information difference, that is to say, that the payment of bank card Position and the owner position of bank card are inconsistent, and in order to reduce the risk of the stolen brush of bank card, server sends locking prompt extremely The corresponding user terminal of account identification identifies corresponding bank card so that user terminal corresponds to user and locks an account.
Step S24 obtains the account identification pair when the first location information is identical with the second location information The history payment information answered, and according to the history payment information, judge whether the payment verification request meets secondary verifying Condition.
When server determines that first location information is identical with second location information, it is corresponding that server obtains account identification History payment information, and judge whether payment verification request meets secondary verification condition, the present embodiment according to history payment information It is middle according to payment information judge payment verification request whether meet secondary verification condition the step of with first embodiment identical reality Example is applied not repeat.
Server does not need user and carries out any operation, so that it may to user's branch by location verification in the present embodiment It pays and is verified, ensure that the convenience of user's operation, simultaneously effective reduce the risk of bank card payment.
Further, the 3rd embodiment of bank card payment method of the present invention is proposed on the basis of the above embodiments, The present embodiment be in first embodiment after step S20 the step of, determining that payment request do not meet secondary test in the present embodiment Processing step when card condition.
Specifically, the bank card payment method includes:
Step S50 obtains the corresponding payment of payment request when payment verification request does not meet secondary verification condition The amount of money;
When server determines that payment verification request does not meet secondary verification condition, that is, the bank card does not carry out repeatedly It swipes the card or the transaction of wholesale, server obtains payment verification and request corresponding payment amount, signed with user is determined the need for Name, specifically:
Step S60 sends signature and prompts to the cash receiving terminal when the payment amount is greater than default amount threshold value, Signing messages is inputted on the cash receiving terminal so that the account identification corresponds to user.
Being greater than default amount threshold value in payment amount, (default amount threshold value refers to pre-set single payment amount, example When such as default amount threshold value is set as 1 ten thousand), server sends prompt information to cash receiving terminal, so that account identification corresponds to user Signing messages is inputted on cash receiving terminal.
Step S60 receives the signing messages that the cash receiving terminal is sent, in the signing messages and default signatures match When, execute delivery operation.
Server receives the signing messages that cash receiving terminal is sent, and server carries out the signing messages of user and default signature It compares and (presets signature and refer to that the pre-stored account identifies the label that user inputs when corresponding bank card is handled in server Name), in signing messages and default signatures match, that is, the similarity of signing messages and default signature is higher than 60%, executes payment Operation.
In the present embodiment when payment verification request does not meet secondary verification condition, payment is carried out by signing messages and is tested Card reduces the risk of bank card payment.
In addition, the embodiment of the present invention also proposes a kind of bank card payment mechanism, the bank card payment mechanism referring to Fig. 3 Include:
Request receiving module 10, for obtaining the payment in the payment verification request for receiving cash receiving terminal transmission The corresponding account identification of checking request and payment cipher, and tested for the first time according to the account identification and the payment cipher Card;
Judgment module 20 is verified, for obtaining the corresponding history disbursement letter of the account identification when being verified for the first time Breath, and according to the history payment information, judge whether the payment verification request meets secondary verification condition;
Cue module 30 is sent, for sending verification tip when payment verification request meets secondary verification condition Information is to the corresponding user terminal of the account identification, so that the user terminal corresponds to user's validation information;
Execution module 40 is verified, for when receiving the verification information of user terminal feedback, according to the verifying Information carries out secondary verifying, executes delivery operation in secondary be verified.
Optionally, the request receiving module 10, comprising:
Information acquisition unit, for obtaining the payment and testing in the payment verification request for receiving cash receiving terminal transmission Card requests corresponding account identification and payment cipher;
Comparing unit is inquired, for inquiring default account and password mapping table, it is corresponding default to obtain the account identification Standard cipher, and the preset standard password is compared with the payment cipher;
Prompt unit is compared, for sending password mistake in the preset standard password and the payment cipher difference Prompt information to the account identification corresponds to user terminal, so that the user terminal corresponds to user and inputs new payment cipher;
Judging unit is compared, for when the preset standard password is identical as the payment cipher, determining first verifying Pass through.
Optionally, the verifying judgment module 20, comprising:
Mode judging unit, for obtaining the corresponding default verification mode of the account identification when being verified for the first time, And judge whether verify comprising position in the default verification mode;
Position acquisition unit obtains the cash receiving terminal when in the default verification mode comprising position verification Corresponding first location information and the account identification correspond to the second location information of user terminal;
Prompt unit is locked, for sending locking when the first location information is with the second location information difference Prompt is corresponded to the corresponding user terminal of the account identification so that the user terminal corresponds to user's locking account identification Bank card;
Condition judgment unit is used for when the first location information is identical with the second location information, described in acquisition The corresponding history payment information of account identification, and according to the history payment information, judge whether the payment verification request accords with Close secondary verification condition.
Optionally, the verifying judgment module 20, comprising:
Information acquisition unit, for obtaining the corresponding history payment information of the account identification when being verified for the first time, Wherein, the history payment information includes history payment amount and history time of payment;
Computing unit, for being calculated according to the history payment amount and the history time of payment in the first preset time The payment total amount and payment frequency of section;
Condition determination unit, for being greater than default total amount or the payment frequency greater than default in the payment total amount When frequency, determine that the payment verification request meets secondary verification condition.
Optionally, the transmission cue module 30, comprising:
History acquiring unit is verified, for it is pre- to obtain second when payment verification request meets secondary verification condition If the corresponding history verifying record of account identification described in the period;
Generation unit is counted, for counting the verifying number of each verification information in the history verifying record, by verifying time The least verification information of number generates the corresponding verification tip information of the information to be verified and is sent to institute as information to be verified The corresponding user terminal of account identification is stated, so that the user terminal corresponds to user's validation information.
Optionally, the verifying execution module 40, comprising:
Information comparison unit, for when receiving the verification information of user terminal feedback, by the verification information Preset standard information corresponding with the account identification is compared;
Execution unit is paid, for determining secondary verifying in the verification information and the preset standard information matches Pass through, and executes delivery operation;
Lock cell, for it is wrong to send verification information when the verification information and the preset standard information mismatch Accidentally prompt information inputs new verifying to the corresponding user terminal of the account identification to prompt the user terminal to correspond to user Information locks the corresponding bank card of the account identification when detecting that mistake input number reaches preset threshold.
Optionally, the bank card payment mechanism, further includes:
Prompt obtains module, for obtaining payment request when payment verification request does not meet secondary verification condition Corresponding payment amount;
When the payment amount is greater than default amount threshold value, signature prompt is sent to the cash receiving terminal, for described Account identification corresponds to user and inputs signing messages on the cash receiving terminal;
Payment module is executed, the signing messages sent for receiving the cash receiving terminal in the signing messages and is preset When signatures match, delivery operation is executed.
Wherein, the step of each Implement of Function Module of bank card payment mechanism can refer to bank card payment method of the present invention Each embodiment, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of computer storage medium.
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium Operation in bank card payment method provided by the above embodiment.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality Body/operation/object is distinguished with another entity/operation/object, without necessarily requiring or implying these entity/operations/ There are any actual relationship or orders between object;The terms "include", "comprise" or its any other variant meaning Covering non-exclusive inclusion, so that the process, method, article or the system that include a series of elements not only include that A little elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or The intrinsic element of system.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged Except there is also other identical elements in process, method, article or the system for including the element.
For device embodiment, since it is substantially similar to the method embodiment, related so describing fairly simple Place illustrates referring to the part of embodiment of the method.The apparatus embodiments described above are merely exemplary, wherein making It may or may not be physically separated for the unit of separate part description.In can selecting according to the actual needs Some or all of the modules realize the purpose of the present invention program.Those of ordinary skill in the art are not making the creative labor In the case where, it can it understands and implements.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in one as described above In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone, Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills Art field, is included within the scope of the present invention.

Claims (10)

1. a kind of bank card payment method, which is characterized in that the bank card payment method the following steps are included:
In the payment verification request for receiving cash receiving terminal transmission, obtain the payment verification request corresponding account identification and Payment cipher, and verified for the first time according to the account identification and the payment cipher;
When being verified for the first time, the corresponding history payment information of the account identification is obtained, and according to the history disbursement letter Breath, judges whether the payment verification request meets secondary verification condition;
When payment verification request meets secondary verification condition, it is corresponding to the account identification to send verification tip information User terminal, so that the user terminal corresponds to user's validation information;
When receiving the verification information of the user terminal feedback, secondary verifying is carried out according to the verification information, secondary Delivery operation is executed when being verified.
2. bank card payment method as described in claim 1, which is characterized in that described in the branch for receiving cash receiving terminal transmission When paying checking request, obtains the payment verification and request corresponding account identification and payment cipher, and according to the account identification The step of being verified for the first time with the payment cipher, comprising:
In the payment verification request for receiving cash receiving terminal transmission, obtain the payment verification request corresponding account identification and Payment cipher;
Default account and password mapping table are inquired, obtains the corresponding preset standard password of the account identification, and will be described default Standard cipher is compared with the payment cipher;
In the preset standard password and the payment cipher difference, password miscue information is sent to the account identification Corresponding user terminal, so that the user terminal corresponds to user and inputs new payment cipher;
When the preset standard password is identical as the payment cipher, judgement is verified for the first time.
3. bank card payment method as described in claim 1, which is characterized in that it is described when being verified for the first time, obtain institute The corresponding history payment information of account identification is stated, and according to the history payment information, whether judges the payment verification request The step of meeting secondary verification condition, comprising:
When being verified for the first time, the corresponding default verification mode of the account identification is obtained, and judge the default authentication Whether verified comprising position in formula;
When in the default verification mode comprising position verification, the corresponding first location information of the cash receiving terminal and institute are obtained State the second location information that account identification corresponds to user terminal;
When the first location information is with the second location information difference, it is corresponding to the account identification to send locking prompt User terminal, lock the corresponding bank card of the account identification so that the user terminal corresponds to user;
When the first location information is identical with the second location information, the corresponding history payment of the account identification is obtained Information, and according to the history payment information, judge whether the payment verification request meets secondary verification condition.
4. bank card payment method as described in claim 1, which is characterized in that it is described when being verified for the first time, obtain institute The corresponding history payment information of account identification is stated, and according to the history payment information, whether judges the payment verification request The step of meeting secondary verification condition, comprising:
When being verified for the first time, the corresponding history payment information of the account identification is obtained, wherein the history payment information Including history payment amount and history time of payment;
According to the history payment amount and the history time of payment calculate the first preset time period payment total amount and Payment frequency;
When the payment total amount is greater than default total amount or the payment frequency is greater than predeterminated frequency, determine that the payment is tested Card request meets secondary verification condition.
5. bank card payment method as described in claim 1, which is characterized in that described to meet two in payment verification request When secondary verification condition, verification tip information is sent to the corresponding user terminal of the account identification, for the user terminal pair The step of using family validation information, comprising:
When payment verification request meets secondary verification condition, it is corresponding to obtain account identification described in the second preset time period History verify record;
The verifying number for counting each verification information in history verifying record, will verify the least verification information of number as to Verification information, and generate the corresponding verification tip information of the information to be verified and be sent to the account identification corresponding user's end End, so that the user terminal corresponds to user's validation information.
6. bank card payment method as described in claim 1, which is characterized in that described to receive the user terminal feedback Verification information when, the step of carrying out secondary verifying according to the verification information, delivery operation executed in secondary be verified, Include:
It is when receiving the verification information of the user terminal feedback, the verification information is corresponding with the account identification pre- Bidding calibration information is compared;
In the verification information and the preset standard information matches, judgement is secondary to be verified, and executes delivery operation;
When the verification information and the preset standard information mismatch, verification information miscue information is sent to the account Family identifies corresponding user terminal, inputs new verification information to prompt the user terminal to correspond to user, is detecting mistake When inputting number arrival preset threshold, the corresponding bank card of the account identification is locked.
7. bank card payment method as described in claim 1, which is characterized in that it is described when being verified for the first time, obtain institute The corresponding history payment information of account identification is stated, and according to the history payment information, whether judges the payment verification request After the step of meeting secondary verification condition, comprising:
When payment verification request does not meet secondary verification condition, the corresponding payment amount of payment request is obtained;
When the payment amount is greater than default amount threshold value, signature prompt is sent to the cash receiving terminal, for the account It identifies corresponding user and inputs signing messages on the cash receiving terminal;
The signing messages that the cash receiving terminal is sent is received, in the signing messages and default signatures match, executes payment behaviour Make.
8. a kind of bank card payment mechanism, which is characterized in that the bank card payment mechanism includes:
Request receiving module, for obtaining the payment verification and asking in the payment verification request for receiving cash receiving terminal transmission Corresponding account identification and payment cipher are asked, and is verified for the first time according to the account identification and the payment cipher;
Judgment module is verified, for obtaining the corresponding history payment information of the account identification, and root when being verified for the first time According to the history payment information, judge whether the payment verification request meets secondary verification condition;
Cue module is sent, for sending verification tip information extremely when payment verification request meets secondary verification condition The corresponding user terminal of the account identification, so that the user terminal corresponds to user's validation information;
Verify execution module, for when receiving the verification information of user terminal feedback, according to the verification information into The secondary verifying of row, executes delivery operation in secondary be verified.
9. a kind of bank card payment devices, which is characterized in that the bank card payment devices include: memory, processor and deposit Store up the computer program that can be run on the memory and on the processor, in which:
The bank card branch as described in any one of claims 1 to 7 is realized when the computer program is executed by the processor The step of method of paying.
10. a kind of computer storage medium, which is characterized in that be stored with computer program, institute in the computer storage medium State the step that the bank card payment method as described in any one of claims 1 to 7 is realized when computer program is executed by processor Suddenly.
CN201910539936.4A 2019-06-19 2019-06-19 Bank card payment method, device, equipment and computer storage medium Pending CN110378695A (en)

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CN111161050A (en) * 2019-12-31 2020-05-15 王菲 Artificial intelligence big data processing method applied to bank wind control department
WO2020253131A1 (en) * 2019-06-19 2020-12-24 深圳壹账通智能科技有限公司 Bank card payment method, apparatus and device, and computer storage medium
CN114386984B (en) * 2022-03-23 2022-06-10 云账户技术(天津)有限公司 Risk payment processing method and device, electronic equipment and readable storage medium

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US11055721B2 (en) * 2013-10-30 2021-07-06 Tencent Technology (Shenzhen) Company Limited Method, device and system for information verification
CN103973711B (en) * 2014-05-28 2018-07-24 中国农业银行股份有限公司 A kind of verification method and device
CN104021474B (en) * 2014-06-20 2016-03-02 努比亚技术有限公司 A kind of method, Apparatus and system improving mobile payment security
CN105933266B (en) * 2015-08-20 2019-07-12 中国银联股份有限公司 A kind of verification method and server
CN105930765A (en) * 2016-02-29 2016-09-07 中国银联股份有限公司 Payment method and device
CN110378695A (en) * 2019-06-19 2019-10-25 深圳壹账通智能科技有限公司 Bank card payment method, device, equipment and computer storage medium

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WO2020253131A1 (en) * 2019-06-19 2020-12-24 深圳壹账通智能科技有限公司 Bank card payment method, apparatus and device, and computer storage medium
CN111161050A (en) * 2019-12-31 2020-05-15 王菲 Artificial intelligence big data processing method applied to bank wind control department
CN111161050B (en) * 2019-12-31 2021-06-08 北京创客时信息咨询有限公司 Artificial intelligence big data processing method applied to bank wind control department
CN114386984B (en) * 2022-03-23 2022-06-10 云账户技术(天津)有限公司 Risk payment processing method and device, electronic equipment and readable storage medium

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