CN112232825B - POS system for strong identity authentication payment - Google Patents
POS system for strong identity authentication payment Download PDFInfo
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- CN112232825B CN112232825B CN202010912189.7A CN202010912189A CN112232825B CN 112232825 B CN112232825 B CN 112232825B CN 202010912189 A CN202010912189 A CN 202010912189A CN 112232825 B CN112232825 B CN 112232825B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
Abstract
The invention discloses a POS system for strengthening identity authentication and payment, which comprises an information reading module, an information sending module, an information receiving module, a data processing module and a bank database, wherein the information reading module is used for reading a payment card number, the output end of the information reading module is connected with the input end of the data processing module, the data processing module is used for compiling the read card number into information for wireless transmission, the output end of the data processing module is connected with the input end of the information sending module, the information sending module can send the payment account number information processed by the data processing module to the bank database, the information receiving module is used for receiving the information returned by the bank database, and the output end of the information receiving module is connected with the input end of the data processing module. In the implementation process of the invention, the virtual card number generated by the mobile phone Pay can be verified by the bank, thereby completing the transaction.
Description
Technical Field
The technical field of the scheme is the field of computer software communication, relates to the payment industry, and particularly relates to a payment POS with strong authentication capability.
Background
Currently, in the agricultural product purchasing link of the agricultural supply chain, one payment method is to complete payment through a payment POS. When the payment POS is used for payment, the payment can be finished only by completing the NFC non-contact card reading and then inputting one item of information of the name and the certificate number.
At present, the payment POS on the market can complete the identity verification of a card holder through a card number plus a name or a card number plus a certificate number, and has certain safety.
However, with the increasing popularity of mobile phones with NFC chips, the frequency of the Pay of the mobile phone is higher and higher, including ApplePay, hua be Pay, millet Pay, samsunpay, and the like. If the card holder pays through the mobile phone Pay, the card number read by the NFC in an indirect mode is a virtual card number generated by the mobile phone Pay, the current payment POS can not pass through the identity verification of the card holder, so that the payment fails, and the user experience is very poor.
The prior art mainly has the following problems: the virtual card number generated by the mobile phone Pay is actually a secure token and is not a card number which really exists, so that the virtual card number cannot be verified by a bank card in the current union Pay card BIN system. In order to solve the problem, the scheme upgrades the payment POS and provides a strong authentication method.
Disclosure of Invention
The invention aims to provide a POS system for strong identity authentication payment, which solves the problems in the background technology.
In order to achieve the purpose, the invention provides the following technical scheme: the strong identity authentication payment POS system comprises an information reading module, an information sending module, an information receiving module, a data processing module, a storage module and a bank database, wherein the information reading module is used for reading a payment card number, the output end of the information reading module is connected with the input end of the data processing module, the data processing module is used for compiling the read card number into information capable of being wirelessly transmitted, the output end of the data processing module is connected with the input end of the information sending module, the information sending module is used for sending payment account number information processed by the data processing module to the bank database, the information receiving module is used for receiving information returned by the bank database, the output end of the information receiving module is connected with the input end of the data processing module, the bank database is used for storing transaction information of the payment card number, and when the bank database receives the payment account number information sent by the information sending module, the data processing module marks the payment card number and marks the payment card number as A, marks the use date of the payment card number as B, marks the use area as C, marks the payment times of the payment card number as D, marks the use frequency of the A as K, and marks the K as K (the last payment date of the payment card number B1-the first payment date of the payment card number B2)/D, when the K value is larger than a preset value, the card number information is stored in the safety area of the storage module, when the K value is smaller than the preset value, the card number information is stored in the danger area of the storage module, and the data processing method further comprises the following steps, namely a standard step, reading the payment card number by the information reading module and reading the payment date by the S1 payment POS, s2 data processing module processes the read information and transmits the information to bank database through information transmitting module, the bank database confirms whether the current card number is real card number through bank card magnetic track information and BIN table data, S3 information receiving module receives the information fed back by the bank database and transmits the information to the data processing module, when the payment card number is real card number, the card number + name + certificate number is transmitted to the two-element check channel through the information transmitting module to complete the card holder identity check; s4 if the bank database judges that the token is the safety token, the safety token is sent to the front of the UnionPay cloud flash payment, the virtual card BIN of the safety token is searched, the real bank card number bound by the safety token is searched through the searching entry, finally, the card number + the name or the card number + the certificate number are sent to a UnionPay two-element verification channel to complete the verification of the identity of the card holder, after the verification is successful in S5, the identity identification is completed, and at the moment, the deduction is carried out through the payment card number.
Preferably, in the step S2, when the bank database determines that the payment card number is a false card number, the transaction is terminated, and the payment card number is marked in the danger area.
Preferably, in step S4, when the bank database determines that the token is not secure, the transaction is terminated, and the payment card number is marked in the security risk area.
Preferably, when the payment card number is used for the first time in the region C, the payment card number information is marked in the danger area, and when the payment card number in the danger area is in payment, the identity information of the payer is collected, wherein the biological information comprises one or more of a fingerprint, a sound, a photo and a payment password.
Preferably, the transaction information of the payment card number is marked, the transaction information of the payment card number is modeled through a data processing module, namely the payment card number is marked and marked as A, the using date of the payment card number is marked as B, the using area is marked as C, the payment times of the payment card number is marked as D, the area C used by the payment card number A is taken as a horizontal axis, the using date B of the payment card number A is modeled as a vertical axis, the using date B of the payment card number A is fitted, the fitted curve is recorded as Z, when the using date B of the payment card number A accords with the fitted curve Z, the payment step is simplified as follows, namely, the steps are simplified, firstly, the payment POS finishes the reading of the payment card number through an information reading module and reads the payment date, and secondly, the data processing module processes the read information, transmitting information to a bank database through an information transmitting module, wherein the bank database matches a real card number through magnetic track information of a bank card and BIN table data of the Unionpay card, receiving the information fed back by the bank database through the information receiving module and transmitting the information to a data processing module, transmitting the card number + name + certificate number to a Unionpay two-element verification channel through the information transmitting module to complete identity verification of a card holder, transmitting a security token to a front position of the Unionpay cloud flash payment, retrieving a virtual card BIN of the security token, searching the real bank card number bound by the security token through a retrieval entry, transmitting the card number + name or the card number + certificate number to the Unionpay two-element verification channel to complete identity verification of the card holder, and conducting payment through payment if the card number is successful.
Preferably, when the payment date of the payment card number a does not conform to the fitted curve Z, the payment step is a standard step.
Compared with the prior art, the invention has the beneficial effects that:
1. in the implementation process of the invention, the virtual card number generated by the mobile phone can be verified by the bank card, thereby facilitating the completion of mobile payment;
2. in the implementation process, the transaction information of the payment account can be fitted according to the use date and the use frequency of the payment account, so that the safety factor of the payment account in transaction is judged, the risk of the payment account in payment is judged according to the judged safety factor, and the risk of the payment account in payment is reduced to a certain extent.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The invention provides a POS system technical proposal for strengthening identity authentication payment: a strong identity authentication payment POS system comprises an information reading module, an information sending module, an information receiving module, a data processing module, a storage module and a bank database, wherein the information reading module is used for reading a payment card number, the output end of the information reading module is connected with the input end of the data processing module, so that the card number information read by the information reading module is transmitted to the data processing module, the data processing module is used for compiling the read card number into information capable of being wirelessly transmitted, the output end of the data processing module is connected with the input end of the information sending module, when the card number is changed into the transmittable data information by the data processing module, the data processing module can transmit the information to the wireless transmission module, the information sending module can send the payment account information processed by the data processing module to the bank database, and the bank database receives the received information, the received information is compared and matched in the bank database, the information receiving module is used for receiving the information returned by the bank database, the output end of the information receiving module is connected with the input end of the data processing module, the information receiving module can transmit the information to the data processing module, the bank database can store the transaction information of the payment card number, and the bank database can call other information corresponding to the payment card number when receiving the payment account information sent by the information sending module.
The storage module can store the information processed by the data processing module, the storage module is provided with a safety area and a danger area, the information of the payment card number in the safety area is in a normal use state, when the payment card number of the user is the card number in the safety area, the verification steps can be reduced, so that the user can pay more conveniently,
the payment account number in the danger area is in an abnormal use state, and when the payment account number is the payment account number in the danger area, the verification step of the payment account number during payment is required to be improved, so that the payment account number is ensured to be safe.
When the data processing module stores the information of the payment card number, the data processing module marks the payment card number as A, marks the use date of the payment card number as B, marks the use area as C, marks the payment times of the payment card number as D,
the frequency of use of A is marked as K, K is (the last payment date of the payment card number B1-the first payment date of the payment card number B2)/D,
when the K value is larger than the preset value, the card number information is stored in the safety area of the storage module,
when the K value is smaller than the preset value, the card number information is stored in the dangerous area of the storage module,
and when the payment card number is used in the use area C for the first time, the payment card number is marked in the danger area,
the strong identity authentication payment POS system also comprises the following steps, namely a standard step, when the payment card number pays, the payment process of the payment card number follows the process,
s1 the payment POS reads the payment card number through the information reading module, and reads the payment date,
s2 the data processing module processes the read information and transmits the information to the bank database through the information transmitting module, the bank database confirms whether the current card number is real through the magnetic track information of the bank card and the BIN table data of the union pay card,
s3 the information receiving module receives the information fed back by the bank database and transmits it to the data processing module, when the payment card number is the real card number, the card number + name + certificate number is transmitted to the UnionPay two-element verification channel through the information transmitting module to complete the verification of the card holder' S identity;
s4 if the bank database judges that the token is a security token, the security token is sent to the front of the Unionpay cloud flash payment, the virtual card BIN of the security token is searched, the real bank card number bound by the security token is searched through the searching entry, finally, the card number + the name or the card number + the certificate number are sent to a Unionpay two-element verification channel to complete the identity verification of the card holder,
and S5, after the verification is successful, the identity is confirmed, and at the moment, the deduction is carried out through the payment card number.
In step S2, when the bank database determines that the payment card number is a false card number, the transaction is terminated and the payment card number is marked in the danger area.
In step S4, when the bank database determines that the token is not secure, the transaction is terminated and the payment card number is marked in the security area.
When the payment card number is used for the first time in the region C, the information of the payment card number is marked in the danger area, and when the payment card number in the danger area is used for payment, the identity information of a payer is collected, wherein the biological information comprises one or more of fingerprints, sound, photos and payment passwords.
Marking the transaction information of the payment card number, modeling the transaction information of the payment card number through a data processing module,
the payment card number is marked and marked as A, the using date of the payment card number is marked as B, the using area is marked as C, the payment times of the payment card number is marked as D,
the area C used by the payment card number A is taken as a horizontal axis, the use date B of the payment card number A is taken as a vertical axis for modeling, the use date B of the payment card number A is fitted, the fitted curve is recorded as Z, when the use date B of the payment card number A accords with the fitted curve Z, the payment step is simplified into the following step, namely, the step is simplified, when the payment information of the payment card number accords with the simplified step, the payment process can be simplified, and the use of a user can be facilitated to a certain extent.
The first step, the payment POS finishes the reading of the payment card number through the information reading module and reads the payment date, the second step, the data processing module processes the read information and transmits the information to the bank database through the information transmitting module, the bank database finishes the card holder identity verification through the magnetic track information of the bank card and the BIN table data of the Unionpay card, the third step, the information receiving module receives the information fed back by the bank database and transmits the information to the data processing module, the card number + name + certificate number is transmitted to the Unionpay two-element verification channel through the information transmitting module, the fourth step, the safety token is transmitted to the Unionpay cloud flash preposition, the virtual card BIN of the safety token is searched, the real bank card number of the safety token is searched through searching and recording, and finally the card number + name or the card number + certificate number is transmitted to the Unionpay two-element verification channel to finish the person identity verification, and fifthly, checking successfully, and deducting money through the payment card number.
When the payment date of the payment card number A does not accord with the fitted curve Z, the payment step is a standard step.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (6)
1. Strong identity authentication payment POS system which characterized in that: comprises an information reading module, an information sending module, an information receiving module, a data processing module, a storage module and a bank database,
the information reading module is used for reading the payment card number, the output end of the information reading module is connected with the input end of the data processing module,
the data processing module is used for compiling the read card number into information for wireless transmission, the output end of the data processing module is connected with the input end of the information sending module,
the information sending module can send the payment account information processed by the data processing module to the bank database,
the information receiving module is used for receiving the information returned by the bank database, the output end of the information receiving module is connected with the input end of the data processing module,
the bank database can store the transaction information of the payment card number, and can call other information corresponding to the payment card number when receiving the payment account information sent by the information sending module,
the storage module can store the information processed by the data processing module, the output end of the data processing module is connected with the input end of the storage module,
the storage module is internally provided with a safety area and a danger area,
when the data processing module stores the information of the payment card number, the data processing module marks the payment card number as A, marks the use date of the payment card number as B, marks the use area as C, marks the payment times of the payment card number as D,
the frequency of use of A is marked as K, K is (last payment date of payment card number B1-first payment date of payment card number B2)/D
When the K value is larger than the preset value, the card number information is stored in the safety area of the storage module,
when the K value is smaller than the preset value, the card number information is stored in the dangerous area of the storage module,
further comprising the steps of, i.e. the standard steps,
s1 the payment POS reads the payment card number through the information reading module, and reads the payment date,
s2 the data processing module processes the read information and transmits the information to the bank database through the information transmitting module, the bank database confirms whether the current card number is real through the magnetic track information of the bank card and the BIN table data of the union pay card,
s3 the information receiving module receives the information fed back by the bank database and transmits it to the data processing module, when the payment card number is the real card number, the card number + name + certificate number is transmitted to the UnionPay two-element verification channel through the information transmitting module to complete the verification of the card holder' S identity;
s4 if the bank database judges that the token is a security token, the security token is sent to the front of the Unionpay cloud flash payment, the virtual card BIN of the security token is searched, the real bank card number bound by the security token is searched through the searching entry, finally, the card number + the name or the card number + the certificate number are sent to a Unionpay two-element verification channel to complete the identity verification of the card holder,
and S5, after the verification is successful, the identity is confirmed, and at the moment, the deduction is carried out through the payment card number.
2. The POS system for strong identity authentication payment according to claim 1, wherein: in step S2, when the bank database determines that the payment card number is a false card number, the transaction is terminated and the payment card number is marked in the danger area.
3. The POS system for strong identity authentication payment according to claim 2, wherein: in step S4, when the bank database determines that the token is not secure, the transaction is terminated and the payment card number is marked in the security area.
4. The POS system for strong identity authentication payment according to claim 1, wherein: when the payment card number is used for the first time in the region C, the information of the payment card number is marked in the danger area, and when the payment card number in the danger area is used for payment, the identity information of a payer is collected, wherein the biological information comprises one or more of fingerprints, sound, photos and payment passwords.
5. The POS system of claim 4, wherein: marking the transaction information of the payment card number, modeling the transaction information of the payment card number through a data processing module,
the payment card number is marked and marked as A, the using date of the payment card number is marked as B, the using area is marked as C, the payment times of the payment card number is marked as D,
modeling by taking the area C used by the payment card number A as a horizontal axis and the use date B of the payment card number A as a vertical axis, fitting the use date B of the payment card number A, wherein the fitted curve is recorded as Z, and when the use date B of the payment card number A accords with the fitted curve Z, the payment steps are simplified as follows, namely the steps are simplified,
the first step, the payment POS finishes reading the payment card number through the information reading module and reads the payment date,
secondly, the data processing module processes the read information and transmits the information to the bank database through the information transmitting module, the bank database matches the real card number through the magnetic track information of the bank card and the BIN table data of the Unionpay card,
thirdly, the information receiving module receives the information fed back by the bank database and transmits the information to the data processing module, the card number, the name and the certificate number are transmitted to a Unionpay two-element verification channel through the information transmitting module to complete the verification of the identity of the card holder,
fourthly, the security token is sent to the front of the Unionpay cloud flash payment, the virtual card BIN of the security token is searched, the real bank card number bound by the security token is searched through the searching entry, finally, the card number + the name or the card number + the certificate number are sent to a Unionpay two-element verification channel to complete the verification of the identity of the card holder,
and fifthly, checking successfully, and deducting money through the payment card number.
6. The POS system of claim 5, wherein: when the payment date of the payment card number A does not accord with the fitting curve Z, the payment step is a standard step.
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