CN110472966A - Mobile-phone payment security protection system - Google Patents

Mobile-phone payment security protection system Download PDF

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Publication number
CN110472966A
CN110472966A CN201910046419.3A CN201910046419A CN110472966A CN 110472966 A CN110472966 A CN 110472966A CN 201910046419 A CN201910046419 A CN 201910046419A CN 110472966 A CN110472966 A CN 110472966A
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China
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payment
mobile
equipment
phone
current
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CN201910046419.3A
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CN110472966B (en
Inventor
段俊杰
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Guangzhou Jixin Network Technology Development Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224Transactions dependent on location of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a kind of mobile-phone payment security protection systems, comprising: authority setting equipment is arranged on smart phone, for the payment geographic range that depending on the user's operation, setting mobile payment allows and the time of payment section that setting mobile payment allows;Electronic payment devices, for depending on the user's operation, starting or closing the Current electronic item of payment;Position monitor equipment, is built-in with satellite navigation unit, for providing the Present navigation data of smart phone;Timing device, for providing the current time of smart phone.Mobile-phone payment security protection system mechanism of the invention is complete, and data are reliable.Since the current data processing speed based on electronic payment devices adaptively adjusts the operation task quantity of itself and relevant device, the overall performance of system is advanced optimized, to provide dual safety preventing mechanism for mobile-phone payment.

Description

Mobile-phone payment security protection system
Technical field
The present invention relates to mobile-phone payment field more particularly to a kind of mobile-phone payment security protection systems.
Background technique
Online payment general flow based on Internet platform is as follows:
1, client accesses internet (Internet), by browser in online browsing commodity, selects cargo, fills in network Order, selects the network payment means of account settlement of application, and obtains licensing for bank, such as bank card, stored value card, electronics Cash, eCheck or Internet bank's account number etc..
2, client computer encrypts associated order information, such as payment information, in Submitted online order.
3, business server checks the ordering information of client, confirms, and relevant client's branch by encryption It pays information and is transmitted to payment gateway, until bank's Batch Processing server of bank's dedicated network confirms, to from electricity such as banks Sub- note issuance mechanism verifying gets paid the authorization of fund.
4, after bank validation confirmation, by the encrypted communication channel via payment gateway set up, merchant service is given Device loopback confirmation and payment and settlement information request (can also not have) to client's loopback payment authorization for further safety.
5, after bank obtains the further authorization settlement information that client is transmitted, fund is transferred from customer account number to development It in the merchant bank account number of e-commerce, is settled accounts by financial private network, and sends payment and settlement to businessman, client respectively Successful information.
6, after business server receives the clearing successful information that bank sends, to client send network successful payment information and Shipping order.So far, primary typical network payment settlement process terminates.Businessman and client can respectively by network inquiry from Oneself the balance of funding information, further to check.
Summary of the invention
According to an aspect of the present invention, a kind of mobile-phone payment security protection system is provided, the system comprises: permission is set Locking equipment is arranged on smart phone, for depending on the user's operation, payment geographic range that setting mobile payment allows and The time of payment section of mobile payment permission is set.
More specifically, in the mobile-phone payment security protection system, further includes: electronic payment devices are arranged in intelligence On mobile phone, for depending on the user's operation, starting or closing the Current electronic item of payment.
More specifically, in the mobile-phone payment security protection system, further includes: position monitor equipment is arranged described Near electronic payment devices, it is built-in with satellite navigation unit, for providing the Present navigation data of smart phone.
More specifically, in the mobile-phone payment security protection system, further includes: timing device is arranged in the electronics Near payment devices, for providing the current time of smart phone.
More specifically, in the mobile-phone payment security protection system, further includes: the electronic payment devices respectively with institute State authority setting equipment, the position monitor equipment is connected with the timing device, for starting the Current electronic item of payment Afterwards, when the Present navigation data of smart phone it is described payment geographic range in and current time permission time of payment section in When, complete the Current electronic item of payment;Instant capture device is set with electronic payment devices, position monitor equipment and permission respectively The not currently used suspension pin of locking equipment connects, and is worked as with obtaining the not currently used suspension pin of electronic payment devices Preceding heat, the current heat of not currently used suspension pin of position monitor equipment and the current of authority setting equipment are not used Suspension pin current heat;DSP handles chip, connect with the instant capture device, for receiving electronic payment devices The current heat of not currently used suspension pin, position monitor equipment not currently used suspension pin current heat With the current heat of the not currently used suspension pin of authority setting equipment, and to the not currently used of electronic payment devices Suspend the current heat and authority setting equipment of the current heat of pin, the not currently used suspension pin of position monitor equipment The current heat of not currently used suspension pin execute weighted mean operation to obtain low reference pin heat, at the DSP Reason chip is also used to obtain the low reference pin heat of acquisition multiplied by tradeoff factor the silicon wafer entity heat of electronic payment devices; DDR memory device, current heat, the position monitor of the not currently used suspension pin for electronic payment devices to be stored in advance The not currently used suspension pin of the current heat and authority setting equipment of the not currently used suspension pin of equipment is worked as Preceding heat participates in three weighted values of weighted mean operation respectively.
The present invention at least has the important inventive point of following four:
(1) the current data processing speed based on electronic payment devices adaptively adjusts the operation of itself and relevant device Task quantity has advanced optimized the overall performance of system;
(2) operation control equipment is introduced to be used for when the silicon wafer entity heat of the A equipment received is more than limitation, according to silicon Piece entity heat determines that corresponding arithmetic speed lowers multiple;
(3) multiple is lowered based on the arithmetic speed to execute to the current data arithmetic speed of the electronic payment devices Downward executes operation;
(4) allowing geographic range in the item of payment of smart phone and can pass through when allowing time bracket, mentioning The high safety of mobile-phone payment.
Mobile-phone payment security protection system mechanism of the invention is complete, and data are reliable.Due to based on electronic payment devices Current data processing speed adaptively adjusts the operation task quantity of itself and relevant device, has advanced optimized the whole of system Body performance, to provide dual safety preventing mechanism for mobile-phone payment.
Detailed description of the invention
Embodiment of the present invention is described below with reference to attached drawing, in which:
Fig. 1 is the payment on-the-spot schematic according to the mobile-phone payment security protection system shown in embodiment of the present invention.
Specific embodiment
The embodiment of mobile-phone payment security protection system of the invention is described in detail below with reference to accompanying drawings.
Mobile-phone payment, which to disburse funds, for many consumers carries more convenient, the more convenient letter of process of consumption It is single, after eliminating payment obstacle, many new consumption modes can be preferably attempted, while if being equipped with appropriate managerial machine System and technology control, the safety to disburse funds can also be further enhanced.Although mobile-phone payment is with the obvious advantage, application prospect It is boundless, but shown according to the world Yi Guan investigational data, due to the worry to safety problem and lack the stronger payment of attraction Using, user to the utilization rate of mobile phone payment transaction also in reduced levels, to be pushed further into the rapid of mobile-phone payment industry Development, associated service provider must be in multiple sides such as the fund security of mobile-phone payment business, industry chain building and business models Face optimizes.
Currently, mobile-phone payment brings great convenience to people's transaction, however also to safety, more stringent requirements are proposed, Since the fortune of itself and relevant device can not be adaptively adjusted based on the current data processing speed of electronic payment devices at present Row task quantity, causes the overall performance of hand call payment system still to have the space further promoted.
In order to overcome above-mentioned deficiency, the present invention has built a kind of mobile-phone payment security protection system, can effectively solve the problem that phase The technical issues of answering.
Fig. 1 is the payment on-the-spot schematic according to the mobile-phone payment security protection system shown in embodiment of the present invention.
The mobile-phone payment security protection system shown according to an embodiment of the present invention includes:
Authority setting equipment is arranged on smart phone, for the branch that mobile payment allows depending on the user's operation, to be arranged It pays geographic range and the time of payment section that mobile payment allows is set.
Then, continue that the specific structure of mobile-phone payment security protection system of the invention is further detailed.
In the mobile-phone payment security protection system, further includes:
Electronic payment devices are arranged on smart phone, for depending on the user's operation, starting or closing Current electronic branch Creditor side mesh.
In the mobile-phone payment security protection system, further includes:
Position monitor equipment is arranged near the electronic payment devices, satellite navigation unit is built-in with, for providing The Present navigation data of smart phone.
In the mobile-phone payment security protection system, further includes:
Timing device is arranged near the electronic payment devices, for providing the current time of smart phone.
In the mobile-phone payment security protection system, further includes:
The electronic payment devices respectively with the authority setting equipment, the position monitor equipment and the timing device Connection is used for after starting the Current electronic item of payment, when the Present navigation data of smart phone are in the payment geographic range When interior and current time is in the time of payment section of permission, the Current electronic item of payment is completed;
Instant capture device does not make with the current of electronic payment devices, position monitor equipment and authority setting equipment respectively Suspension pin connection, to obtain current heat, the position monitor of the not currently used suspension pin of electronic payment devices The not currently used suspension pin of the current heat and authority setting equipment of the not currently used suspension pin of equipment is worked as Preceding heat;
DSP handles chip, connect with the instant capture device, for receiving the not currently used of electronic payment devices Suspend the current heat and authority setting equipment of the current heat of pin, the not currently used suspension pin of position monitor equipment Not currently used suspension pin current heat, and to the current of the not currently used suspension pin of electronic payment devices Heat, position monitor equipment not currently used suspension pin current heat and authority setting equipment it is not currently used The current heat of suspension pin executes weighted mean operation to obtain low reference pin heat, the DSP processing chip be also used to by The low reference pin heat of acquisition obtains the silicon wafer entity heat of electronic payment devices multiplied by tradeoff factor;
DDR memory device, the current heat of the not currently used suspension pin for electronic payment devices to be stored in advance, The current heat of the not currently used suspension pin of position monitor equipment and the not currently used suspension of authority setting equipment The current heat of pin participates in three weighted values of weighted mean operation respectively;
Operation control equipment is connect, for receiving respectively with the electronic payment devices and DSP processing chip Silicon wafer entity heat when being more than limitation, determine that corresponding arithmetic speed lowers multiple according to silicon wafer entity heat;
Processing speed detection device is arranged in electronic payment devices, for the data processing in electronic payment devices Rate is detected, to obtain corresponding currently processed rate;
Performance analyzing device is connect with the processing speed detection device, for receiving the currently processed rate, and base Corresponding operating rate grade is determined in the currently processed rate received;
Task adjusts equipment, sets respectively with performance analyzing device, electronic payment devices, position monitor equipment and authority setting Standby connection, for promoting electronic payment devices, position monitor when the operating rate grade is more than or equal to the first estate threshold value The respective operation task quantity of equipment and authority setting equipment is less than the first estate threshold value and big in the operating rate grade When being equal to the second grade threshold, the respective operation task quantity of electronic payment devices and position monitor equipment is promoted, is also used In when the operating rate grade is less than the second grade threshold and is more than or equal to tertiary gradient threshold value, electronic payment devices are promoted Operation task quantity;
Wherein, the electronic payment devices are also used to after starting the Current electronic item of payment, current when smart phone Navigation data is except the payment geographic range or current time is when except the time of payment section of permission, stops Current electronic The item of payment.
In the mobile-phone payment security protection system:
The DDR memory device is connect with DSP processing chip, for the tradeoff factor to be stored in advance.
In the mobile-phone payment security protection system:
The operation control equipment is also used to lower multiple based on the arithmetic speed and execute to the electronic payment devices The downward of current data processing speed execute operation.
In the mobile-phone payment security protection system:
In the DDR memory device, the current heat of the not currently used suspension pin of electronic payment devices, positioning The current heat of the not currently used suspension pin of monitoring device and the not currently used suspension pin of authority setting equipment Current heat participate in respectively weighted mean operation three weighted values it is of different sizes.
In the mobile-phone payment security protection system:
The DDR memory device is also connect with the authority setting equipment, for keeping in the paid place of mobile payment permission Manage the time of payment section of range and mobile payment permission;
Wherein, the task adjustment equipment is also used to maintain when the operating rate grade is less than tertiary gradient threshold value The operation task quantity of electronic payment devices, position monitor equipment and authority setting equipment.
In the mobile-phone payment security protection system:
The task adjustment equipment in, the tertiary gradient threshold value be less than second grade threshold, described second etc. Grade threshold value is less than the first estate threshold value;
Wherein, in the performance analyzing device, corresponding operating rate is determined based on the currently processed rate received Grade includes: that the currently processed rate that receives is fewer, and the corresponding operating rate lower grade determined.
In addition, strictly speaking DDR should be DDR SDRAM, people's habit is known as DDR, and part beginner is also commonly seen DDR SDRAM is taken as SDRAM.DDR SDRAM is the abbreviation of Double Data Rate SDRAM, and it is dynamic to be that Double Data Rate synchronizes The meaning of state random access memory.DDR memory is developed on the basis of sdram memory, and SDRAM production body is still continued to use System, therefore for memory manufacturer, only the equipment for manufacturing common SDRAM need to slightly be improved, the life of DDR memory can be realized It produces, cost can be effectively reduced.
SDRAM transmission primaries data within a clock cycle, it was carried out data transmission in the rising stage of clock;And DDR memory is then that secondary data twice are transmitted in a clock cycle, it can respectively transmit one in the rising stage of clock and decline phase Secondary data, because of referred to herein as Double Data Rate synchronous DRAM.DDR memory can be in bus frequency identical with SDRAM Under reach higher data transmission rate.
Compared with SDRAM: DDR has used more advanced synchronous circuit, keeps specified address, the conveying of data and output main Step not only independently executed, but also kept fully synchronized with CPU;DDR used DLL (Delay Locked Loop, delay locked time Road provides a data filtering signal) technology, when data are effective, it is smart that this data filtering signal can be used for storage control True location data, every 16 output is primary, and data of the re-synchronization from different memory module.DDR is not needed substantially Improving clock frequency can double to improve the speed of SDRAM, he allows to read data in the rising edge and failing edge of clock pulses, Thus its speed is twice of standard SDRA.
It is understood that although the present invention has been disclosed in the preferred embodiments as above, above-described embodiment not to Limit the present invention.For any person skilled in the art, without departing from the scope of the technical proposal of the invention, Many possible changes and modifications all are made to technical solution of the present invention using the technology contents of the disclosure above, or are revised as With the equivalent embodiment of variation.Therefore, anything that does not depart from the technical scheme of the invention are right according to the technical essence of the invention Any simple modifications, equivalents, and modifications made for any of the above embodiments still fall within the range of technical solution of the present invention protection It is interior.

Claims (10)

1. a kind of mobile-phone payment security protection system characterized by comprising
Authority setting equipment is arranged on smart phone, for the paid place that mobile payment allows depending on the user's operation, to be arranged It manages range and the time of payment section that mobile payment allows is set.
2. mobile-phone payment security protection system as described in claim 1, which is characterized in that the system also includes:
Electronic payment devices are arranged on smart phone, for depending on the user's operation, starting or closing Current electronic payment terms Mesh.
3. mobile-phone payment security protection system as claimed in claim 2, which is characterized in that the system also includes:
Position monitor equipment is arranged near the electronic payment devices, satellite navigation unit is built-in with, for providing intelligence The Present navigation data of mobile phone.
4. mobile-phone payment security protection system as claimed in claim 3, which is characterized in that the system also includes:
Timing device is arranged near the electronic payment devices, for providing the current time of smart phone.
5. mobile-phone payment security protection system as claimed in claim 4, which is characterized in that the system also includes:
The electronic payment devices connect with the authority setting equipment, the position monitor equipment and the timing device respectively It connects, is used for after starting the Current electronic item of payment, when the Present navigation data of smart phone are in the payment geographic range And current time permission time of payment section in when, complete the Current electronic item of payment;
Instant capture device, it is not currently used with electronic payment devices, position monitor equipment and authority setting equipment respectively Pin connection is suspended, to obtain current heat, the position monitor equipment of the not currently used suspension pin of electronic payment devices Not currently used suspension pin current heat and authority setting equipment not currently used suspension pin current heat Amount;
DSP handles chip, connect with the instant capture device, for receiving the not currently used suspension of electronic payment devices The current heat of pin, the current heat of not currently used suspension pin of position monitor equipment and working as authority setting equipment The current heat of preceding not used suspension pin, and the current heat of the not currently used suspension pin to electronic payment devices The current heat of the not currently used suspension pin of amount, position monitor equipment and the not currently used of authority setting equipment are hanged The current heat for setting pin executes weighted mean operation to obtain low reference pin heat, and the DSP processing chip is also used to obtain The low reference pin heat obtained obtains the silicon wafer entity heat of electronic payment devices multiplied by tradeoff factor;
DDR memory device, the current heat of the not currently used suspension pin for electronic payment devices to be stored in advance, positioning The current heat of the not currently used suspension pin of monitoring device and the not currently used suspension pin of authority setting equipment Current heat participate in three weighted values of weighted mean operation respectively;
Operation control equipment is connect, in the silicon received respectively with the electronic payment devices and DSP processing chip When piece entity heat is more than limitation, determine that corresponding arithmetic speed lowers multiple according to silicon wafer entity heat;
Processing speed detection device is arranged in electronic payment devices, for the data processing rate in electronic payment devices It is detected, to obtain corresponding currently processed rate;
Performance analyzing device is connect with the processing speed detection device, for receiving the currently processed rate, and is based on connecing The currently processed rate received determines corresponding operating rate grade;
Task adjusts equipment, connects respectively with performance analyzing device, electronic payment devices, position monitor equipment and authority setting equipment It connects, for promoting electronic payment devices, position monitor equipment when the operating rate grade is more than or equal to the first estate threshold value With the respective operation task quantity of authority setting equipment, the operating rate grade be less than the first estate threshold value and be greater than etc. When the second grade threshold, the respective operation task quantity of electronic payment devices and position monitor equipment is promoted, is also used to The operating rate grade promotes the fortune of electronic payment devices less than the second grade threshold and when being more than or equal to tertiary gradient threshold value Row task quantity;
Wherein, the electronic payment devices are also used to after starting the Current electronic item of payment, when the Present navigation of smart phone Data are except the payment geographic range or current time is when except the time of payment section of permission, stop Current electronic payment Project.
6. mobile-phone payment security protection system as claimed in claim 5, it is characterised in that:
The DDR memory device is connect with DSP processing chip, for the tradeoff factor to be stored in advance.
7. mobile-phone payment security protection system as claimed in claim 6, it is characterised in that:
The operation control equipment, which is also used to lower multiple execution based on the arithmetic speed, works as the electronic payment devices The downward of preceding data processing speed executes operation.
8. mobile-phone payment security protection system as claimed in claim 7, it is characterised in that:
In the DDR memory device, current heat, the position monitor of the not currently used suspension pin of electronic payment devices The not currently used suspension pin of the current heat and authority setting equipment of the not currently used suspension pin of equipment is worked as Three weighted values that preceding heat participates in weighted mean operation respectively are of different sizes.
9. mobile-phone payment security protection system as claimed in claim 8, it is characterised in that:
The DDR memory device is also connect with the authority setting equipment, for keeping in the payment geography model of mobile payment permission Enclose and mobile payment allow time of payment section;
Wherein, the task adjustment equipment is also used to maintain electronics when the operating rate grade is less than tertiary gradient threshold value The operation task quantity of payment devices, position monitor equipment and authority setting equipment.
10. mobile-phone payment security protection system as claimed in claim 9, it is characterised in that:
In task adjustment equipment, the tertiary gradient threshold value is less than second grade threshold, the second grade threshold Value is less than the first estate threshold value;
Wherein, in the performance analyzing device, corresponding operating rate grade is determined based on the currently processed rate received It include: that the currently processed rate that receives is fewer, the corresponding operating rate lower grade determined.
CN201910046419.3A 2019-01-18 2019-01-18 Mobile phone payment safety protection system Active CN110472966B (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116596542A (en) * 2023-05-24 2023-08-15 广东科谊网络技术有限公司 Mobile secure payment method and system

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US20150070691A1 (en) * 2013-07-09 2015-03-12 United States Of America As Represented By The Secretary Of The Navy Whisker Manufacturing, Detection, Response, and Compound Manufacturing Apparatus and Method
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Publication number Priority date Publication date Assignee Title
CN102348159A (en) * 2010-08-02 2012-02-08 奚伟祖 Geographical-position-based hierarchical trusted mobile payment right control method
CN102510422A (en) * 2011-10-09 2012-06-20 惠州Tcl移动通信有限公司 Mobile terminal and method for regulating operating load thereof
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