CN113516478A - Safe payment method and device - Google Patents

Safe payment method and device Download PDF

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Publication number
CN113516478A
CN113516478A CN202110795721.6A CN202110795721A CN113516478A CN 113516478 A CN113516478 A CN 113516478A CN 202110795721 A CN202110795721 A CN 202110795721A CN 113516478 A CN113516478 A CN 113516478A
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transaction
verification
payment
collection
biological characteristic
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Chinese (zh)
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高学威
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Jueba Technology Co ltd
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Jueba Technology Co ltd
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Priority to CN202110795721.6A priority Critical patent/CN113516478A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

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

Abstract

The application relates to the payment field, in particular to a secure payment method and a device, wherein the method comprises the following steps: when a transaction request is received, a receiving end is searched, a first verification instruction is sent to the receiving end, first biological characteristic verification data are received, the first biological characteristic verification data are verified according to the receiving account information, and a first verification result is generated; sending a first verification result and a second verification instruction to the payment terminal; receiving second biological characteristic verification data, verifying the second biological characteristic verification data according to the payment account information, and generating a second verification result; when the second verification result is successful, transferring the transaction fund to a payment account, and ending the transaction; when the second verification result is verification failure, ending the transaction; the risk of payment transaction is reduced, fund loss caused by the fact that a payment account is unknown to a payer is avoided, and a safer and more reliable payment method is provided for the transaction process.

Description

Safe payment method and device
Technical Field
The application relates to the field of payment, in particular to a secure payment method and device.
Background
With the continuous development of the internet, the rapid payment is convenient for people to live, and meanwhile, various convenience is provided for lawless persons to implement fraud and change in the middle. The risk of the transaction is rooted in that, on one hand, in the transaction process, a payer does not know whether a payee account has a problem or not, and the authenticity of the payee account and a payee is difficult to distinguish within a limited time; on the other hand, due to the convenience of the payment method, lawless persons can easily pay by themselves in the form of short messages, passwords and the like under the condition that the paying person may not know, so that the fund loss of the payer is difficult to recover.
Disclosure of Invention
In view of the problems, the present application is proposed to provide a secure payment method and apparatus that overcomes or at least partially solves the problems, comprising:
a secure payment method is applied to transaction service verification, and relates to a transaction service end, a payment end and a collection end, wherein the method comprises the following steps:
when a transaction request sent by the payment terminal is received, the transaction server searches the payment terminal in a pre-stored transaction list according to the transaction request, wherein the transaction request comprises payment account information, collection account information and transaction amount information;
the transaction server side sends a first verification instruction to the collection side, and the collection side collects first biological characteristic verification data in real time within a first preset time according to the first verification instruction;
the transaction server receives the first biological characteristic verification data, verifies the first biological characteristic verification data according to the collection account information and generates a first verification result;
the transaction server sends the first verification result and a second verification instruction to the payment terminal, and the payment terminal acquires second biological characteristic verification data in real time within second preset time according to the second verification instruction;
the transaction server receives the second biological characteristic verification data, verifies the second biological characteristic verification data according to the payment account information and generates a second verification result;
when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction; and when the second verification result is verification failure, ending the transaction.
Preferably, the first verification result comprises verification success and verification failure; when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction, wherein the step comprises the following steps:
when the first verification result is failure and the second verification result is successful, establishing a safe and trusted account according to the payment account information and the collection account information, wherein the safe and trusted account is used for freezing the transaction funds;
transferring the transaction funds of the payment account to the secure trusted account according to the transaction amount information;
and repeatedly sending a first verification instruction to the collection end until the first verification result is successful, transferring the transaction fund from the safe and credible account to the collection account, and ending the transaction.
Preferably, the first verification result includes verification success and verification failure, and when the second verification result is verification success, the step of transferring the transaction funds of the payment account to the collection account according to the transaction amount information and ending the transaction includes:
determining a risk value of the collection account according to the collection account information;
when the risk value is larger than a preset risk threshold value, establishing a safe and credible account according to the payment account information and the collection account information, wherein the safe and credible account is used for freezing the transaction fund;
transferring the transaction funds of the payment account to the secure trusted account according to the transaction amount information;
and repeatedly sending a first verification instruction to the collection end until the first verification result is successful, transferring the transaction fund from the safe and credible account to the collection account, and ending the transaction.
The safe payment method is applied to transaction service verification and relates to a transaction service end, a payment end and a collection end, and the method comprises the following steps:
the payment end sends a transaction request to the transaction server end, wherein the transaction request comprises payment account information, collection account information and transaction amount information; the transaction server is used for sending a first verification instruction to the collection end according to the transaction request, receiving first biological characteristic verification data collected by the collection end in real time within a preset first preset time according to the first verification instruction, and generating a first verification result according to the first biological characteristic verification data;
the payment end receives a first verification result and a second verification instruction sent by the transaction server end;
the payment terminal calls a display application according to the first verification result to display the first verification result, and calls a biological characteristic acquisition application according to the second verification instruction to acquire second biological characteristic data within second preset time;
and the payment terminal sends the second biological characteristic data to the transaction server terminal.
The safe payment method is applied to transaction service verification and relates to a transaction service end, a payment end and a collection end, and the method comprises the following steps:
the receiving end receives a first verification instruction sent by the transaction server end; the first verification instruction is generated by the transaction server according to a transaction request, and the transaction request is sent to the transaction server by the payment terminal.
The collection end calls a biological characteristic collection application to collect first biological characteristic data within first preset time according to the first verification instruction;
and the collection end sends the first biological characteristic data to the transaction server.
The device relates to a transaction server side, a payment side and a collection side, and comprises:
the first receiving module is used for searching the payment terminal in a pre-stored transaction list by the transaction server according to the transaction request when the transaction request sent by the payment terminal is received, wherein the transaction request comprises payment account information, collection account information and transaction amount information;
the first sending module is used for sending a first verification instruction to the receiving end by the transaction server end, and the receiving end collects first biological characteristic verification data in real time within a first preset time according to the first verification instruction;
the second receiving module is used for receiving the first biological characteristic verification data by the transaction server, verifying the first biological characteristic verification data according to the collection account information and generating a first verification result;
and the second sending module is used for sending the first verification result and a second verification instruction to the payment end by the transaction server end, and the payment end acquires second biological characteristic verification data in real time within a second preset time according to the second verification instruction.
The third receiving module is used for receiving the second biological characteristic verification data by the transaction server, verifying the second biological characteristic verification data according to the payment account information and generating a second verification result;
when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction; and when the second verification result is verification failure, ending the transaction.
The device relates to a transaction server side, a payment side and a collection side, and comprises:
the third sending module is used for sending a transaction request to the transaction server by the payment terminal, wherein the transaction request comprises payment account information, collection account information and transaction amount information; the transaction server is used for sending a first verification instruction to the collection end according to the transaction request, receiving first biological characteristic verification data collected by the collection end in real time within a preset first preset time according to the first verification instruction, and generating a first verification result according to the first biological characteristic verification data;
the fourth receiving module is used for receiving the first verification result and the second verification instruction sent by the transaction server by the payment terminal;
the first calling module is used for calling a display application by the payment terminal according to the first verification result so as to display the first verification result, and calling a biological characteristic acquisition application to acquire second biological characteristic data within second preset time according to the second verification instruction;
and the fourth sending module is used for sending the second biological characteristic data to the transaction server by the payment terminal.
The device relates to a transaction server side, a payment side and a collection side, and comprises:
the fifth receiving module is used for receiving the first verification instruction sent by the transaction server by the payee, and receiving the first verification instruction sent by the transaction server by the payee; the first verification instruction is generated by the transaction server according to a transaction request, and the transaction request is sent to the transaction server by the payment terminal;
the second calling module is used for calling the biological characteristic acquisition application by the collection end according to the first verification instruction to acquire first biological characteristic data within first preset time;
a fifth sending module, configured to send, by the payee, the first biometric characteristic data to the transaction server
There is also provided an apparatus comprising a processor, a memory and a computer program stored on the memory and capable of running on the processor, the computer program, when executed by the processor, implementing the steps of the secure payment method as described above.
There is also provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the secure payment method as described above.
The application has the following advantages:
in the embodiment of the application, the transaction server can send the instruction, receive the verification data for verification, and send the verification result to connect the collection end and the payment end, an operator of the payment end can clearly determine the verification result of collection, and provide reference for determining whether to pay, and meanwhile, the verification can be performed on the payment end, so that the payment end is ensured to pay for the person in the account information.
Drawings
In order to more clearly illustrate the technical solutions of the present application, the drawings needed to be used in the description of the present application will be briefly introduced below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive labor.
FIG. 1 is a flow chart illustrating steps of a secure payment method according to an embodiment of the present application;
FIG. 2 is a flow chart illustrating steps of a secure payment method according to another embodiment of the present application;
FIG. 3 is a flow chart illustrating steps of a secure payment method according to another embodiment of the present application;
fig. 4 is a block diagram of a secure payment device according to an embodiment of the present application;
FIG. 5 is a block diagram of a secure payment device according to yet another embodiment of the present application;
fig. 6 is a block diagram of a secure payment device according to another embodiment of the present application;
fig. 7 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, the present application is described in further detail with reference to the accompanying drawings and the detailed description. It is to be understood that the embodiments described are only a few embodiments of the present application and not all 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 application.
It should be noted that, in any embodiment of the present invention, during the transaction process, it is required to determine whether the actual payer corresponds to the payment account, determine whether the actual payee corresponds to the collection account, and determine the risk value of the collection account, so as to ensure the security and reliability of the transaction process through multi-party determination.
Referring to fig. 1, a flow chart illustrating steps of a secure payment method provided by an embodiment of the present application is shown; the method is applied to transaction service verification, relates to a transaction server, a payer and a payee, and when relating to the transaction server, the method of the embodiment comprises the following steps:
s110, when a transaction request sent by the payment terminal is received, the transaction server searches the payment terminal in a pre-stored transaction list according to the transaction request, wherein the transaction request comprises payment account information, collection account information and transaction amount information;
s120, the transaction server side sends a first verification instruction to the collection side, and the collection side collects first biological characteristic verification data in real time within a first preset time according to the first verification instruction;
s130, the transaction server receives the first biological characteristic verification data, verifies the first biological characteristic verification data according to the collection account information, and generates a first verification result;
s140, the transaction server sends the first verification result and a second verification instruction to the payment terminal, and the payment terminal collects second biological feature verification data in real time within second preset time according to the second verification instruction;
s150, the transaction server receives the second biological characteristic verification data, verifies the second biological characteristic verification data according to the payment account information, and generates a second verification result;
when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction; and when the second verification result is verification failure, ending the transaction.
In an embodiment of the application, when a transaction request sent by the payment terminal is received, the transaction server searches the payment terminal in a pre-stored transaction list according to the transaction request, wherein the transaction request comprises payment account information, collection account information and transaction amount information; the transaction server side sends a first verification instruction to the collection side, and the collection side collects first biological characteristic verification data in real time within a first preset time according to the first verification instruction; the transaction server receives the first biological characteristic verification data, verifies the first biological characteristic verification data according to the collection account information and generates a first verification result; the transaction server sends the first verification result and a second verification instruction to the payment terminal, and the payment terminal acquires second biological characteristic verification data in real time within second preset time according to the second verification instruction; the transaction server receives the second biological characteristic verification data, verifies the second biological characteristic verification data according to the payment account information and generates a second verification result; when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction; and when the second verification result is verification failure, ending the transaction.
The transaction server side can send the instruction, receive the verification data for verification, and send the verification result to be connected with the collection side and the payment side, an operator of the payment side can clearly determine the verification result of collection, and a reference is provided for determining whether to pay, meanwhile, the verification is carried out on the payment side, and the payment side is ensured to pay for the person in the account information.
In step S110, the transaction request is initiated by the payment end or the payment end, and when the transaction request is initiated by the executable terminal device, the payment end or the payment end sends the transaction amount information and the account information to the transaction server to generate a transaction list, and the transaction server associates the transaction amount information with the account information of the payment end or the payment end in the transaction list.
It should be noted that the executable terminal device may include a mobile device, a tablet computer, a wearable device, and the like, or any combination thereof. In some embodiments, the mobile device may include a smart home device, a wearable device, a smart mobile device, a virtual reality device, an augmented reality device, or the like, or any combination thereof. In some embodiments, the smart home devices may include control devices of smart electrical devices, smart monitoring devices, smart televisions, smart cameras, and the like, or any combination thereof. In some embodiments, the wearable device may include a smart bracelet, a smart lace, smart glass, a smart helmet, a smart watch, a smart garment, a smart backpack, a smart accessory, or the like, or any combination thereof. In some embodiments, the smart mobile device may include a smartphone, a personal digital assistant, a gaming device, and the like, or any combination thereof. In some embodiments, the virtual reality device and/or the augmented reality device may include a virtual reality helmet, virtual reality glass, a virtual reality patch, an augmented reality helmet, augmented reality glass, an augmented reality patch, or the like, or any combination thereof. For example, the virtual reality device and/or augmented reality device may include various virtual reality products and the like.
The account information in the payment account information and/or the collection account information includes an account number, a user name, an identifier of an affiliated issuer, biometric data, an account risk identifier, and the like.
In a specific implementation, a transaction request is initiated by a payment terminal, and after receiving the request, a transaction server queries a collection account number and collection account information associated with the payment account number in the payment account information in a generated transaction list according to the payment account number, and determines a simultaneous relationship among the payment account information, the collection account information and the transaction amount information.
In step S120, the transaction server sends a first verification instruction; the invention aims to ensure the safety and reliability in the payment process, and firstly, the payment fund flow direction is ensured to be correct. Therefore, in the embodiment of the invention, the legal verification is firstly carried out on the payee, and the transaction process is necessary to be carried out only after the verification of the payee is successful.
It should be noted that the first verification instruction sets the payee to perform the first biometric verification data within a first preset time period, and if the first biometric data is not received within the first preset time period, the first verification result generated in step S130 is a no result.
In this embodiment, in step S140, no matter what the first verification result is, the first verification result and the second verification instruction are sent to the payment end through the transaction server end, and the second verification instruction instructs the payment end to perform the second biometric verification data collection.
It can be understood that the operator of the payment end can determine whether to collect correct second biometric verification data within a second preset time period according to the first verification result provided by the transaction server, so as to improve the security of the payment end in the transaction process.
In this embodiment, the first biometric verification data and/or the second biometric verification data include a face image, a gesture image, sound source data, or fingerprint data.
In step S150, the transaction client obtains a second verification result after verifying according to the second biometric verification data, and if the verification is successful, the transaction fund is transferred, and if the verification is unsuccessful, the transaction is directly ended.
In an embodiment of the present invention, the first verification result includes verification success and verification failure; when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction, wherein the step comprises the following steps:
when the first verification result is failure and the second verification result is successful, establishing a safe and trusted account according to the payment account information and the collection account information, wherein the safe and trusted account is used for freezing the transaction funds;
transferring the transaction funds of the payment account to the secure trusted account according to the transaction amount information;
and repeatedly sending a first verification instruction to the collection end until the first verification result is successful, transferring the transaction fund from the safe and credible account to the collection account, and ending the transaction.
It can be understood that after the payment end is successfully verified, if the first verification result is verification failure, the transferred transaction fund is not directly transferred to the collection account of the collection end, but the transaction fund is frozen by establishing the safe trusted account until the first verification result is verification success, and the transaction fund is transferred to ensure the safety of the transaction fund.
Hereinafter, a secure payment method in the present exemplary embodiment will be further described.
In an embodiment of the present invention, the first verification result includes a verification success and a verification failure, and when the second verification result is a verification success, the step of transferring the transaction funds of the payment account to the collection account according to the transaction amount information and ending the transaction includes:
determining a risk value of the collection account according to the collection account information;
when the risk value is larger than a preset risk threshold value, establishing a safe and credible account according to the payment account information and the collection account information, wherein the safe and credible account is used for freezing the transaction fund;
transferring the transaction funds of the payment account to the secure trusted account according to the transaction amount information;
and repeatedly sending a first verification instruction to the collection end until the first verification result is successful, transferring the transaction fund from the safe and credible account to the collection account, and ending the transaction.
It is understood that if the risk value of the collection account is determined to be higher than the preset risk threshold, the step of establishing the secure trusted account is still performed to freeze the transaction funds.
Referring to fig. 2, a flow chart illustrating steps of a secure payment method according to another embodiment of the present application is shown; the method is applied to transaction service verification, the method relates to a transaction server, a payer and a payee, and when the method relates to the payer, the method of the embodiment comprises the following steps:
s210, the payment end sends a transaction request to the transaction server end, wherein the transaction request comprises payment account information, collection account information and transaction amount information; the transaction server is used for sending a first verification instruction to the collection end according to the transaction request, receiving first biological characteristic verification data collected by the collection end in real time within a preset first preset time according to the first verification instruction, and generating a first verification result according to the first biological characteristic verification data;
s220, the payment end receives a first verification result and a second verification instruction sent by the transaction server end;
s230, the payment terminal calls a display application according to the first verification result to display the first verification result, and calls a biological characteristic collection application according to the second verification instruction to collect second biological characteristic data within second preset time;
s240, the payment terminal sends the second biological characteristic data to the transaction server terminal.
Understandably, the payment end can display the first verification result to provide reference for the operator to determine whether to invoke the biometric acquisition application to acquire correct biometric data.
Understandably, the biometric capture application described above can be an image capture application, a fingerprint capture application, an audio capture application, and the like.
Referring to fig. 3, a flow chart illustrating steps of a secure payment method provided by yet another embodiment of the present application is shown; the method is applied to transaction service verification, the method relates to a transaction server, a payer and a payee, and when the method relates to the payee, the method of the embodiment comprises the following steps:
s310, the receiving end receives a first verification instruction sent by the transaction server end; the first verification instruction is generated by the transaction server according to a transaction request, and the transaction request is sent to the transaction server by the payment terminal.
S320, the collection end calls a biological feature collection application to collect first biological feature data within first preset time according to the first verification instruction;
s330, the collection end sends the first biological characteristic data to the transaction server end.
Understandably, in one case, the payee is in an off-line state, that is, when the first verification instruction cannot be received, the transaction server determines that the first verification result is verification failure; in another case, the payee receives the first verification instruction and calls the corresponding biometric acquisition application to perform feature acquisition, but the operator is not beside the payee within the second preset time period, so that the acquisition action of the biometric acquisition application cannot be triggered or invalid data is acquired, and the transaction server also determines that the first verification result is verification failure.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
Referring to fig. 4, a block diagram of a secure payment device provided in an embodiment of the present application is shown, which is applied to transaction service verification, the device relates to a transaction service end, a payment end, and a collection end, and the device includes:
the first receiving module 110 is configured to, when receiving a transaction request sent by the payment terminal, search, by the transaction server, the payment terminal in a pre-stored transaction list according to the transaction request, where the transaction request includes payment account information, collection account information, and transaction amount information;
the first sending module 120 is configured to send a first verification instruction to the receiving end by the transaction server, where the receiving end collects first biometric verification data in real time within a first preset time according to the first verification instruction;
a second receiving module 130, configured to receive, by the transaction server, the first biometric verification data, verify the first biometric verification data according to the collection account information, and generate a first verification result;
the second sending module 140 is configured to send the first verification result and the second verification instruction to the payment end, where the payment end collects second biometric verification data in real time within a second preset time according to the second verification instruction.
A third receiving module 150, configured to receive, by the transaction server, the second biometric verification data, verify the second biometric verification data according to the payment account information, and generate a second verification result;
when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction; and when the second verification result is verification failure, ending the transaction.
Referring to fig. 5, there is shown a block diagram of a secure payment device provided in another embodiment of the present application, applied to transaction service verification, the device involving a transaction server, a payer, and a payee, the device including:
a third sending module 210, configured to send, by the payment end, a transaction request to the transaction server, where the transaction request includes payment account information, collection account information, and transaction amount information; the transaction server is used for sending a first verification instruction to the collection end according to the transaction request, receiving first biological characteristic verification data collected by the collection end in real time within a preset first preset time according to the first verification instruction, and generating a first verification result according to the first biological characteristic verification data;
a fourth receiving module 220, configured to receive, by the payment end, the first verification result and the second verification instruction sent by the transaction server end;
a first calling module 230, configured to call, by the payment terminal, a display application according to the first verification result to display the first verification result, and call, according to the second verification instruction, a biometric acquisition application to acquire second biometric data within a second preset time;
a fourth sending module 240, configured to send the second biometric data to the transaction server by the payment end.
Referring to fig. 6, there is shown a secure payment device provided in another embodiment of the present application, applied to transaction service verification, the device involving a transaction server, a payer, and a payee, the device including:
a fifth receiving module 310, configured to receive, by the payee, a first verification instruction sent by the transaction server, where the payee receives the first verification instruction sent by the transaction server; the first verification instruction is generated by the transaction server according to a transaction request, and the transaction request is sent to the transaction server by the payment terminal;
the second calling module 320 is used for calling the biological characteristic collection application by the receiving end according to the first verification instruction to collect first biological characteristic data within a first preset time;
a fifth sending module 330, configured to send the first biometric data to the transaction server by the payee.
Referring to fig. 7, a computer device of a secure payment method of the present invention is shown, which may specifically include the following:
the computer device 12 described above is embodied in the form of a general purpose computing device, and the components of the computer device 12 may include, but are not limited to: one or more processors or processing units 16, a memory 28, and a bus 18 that couples various system components including the memory 28 and the processing unit 16.
Bus 18 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, and a processor or local bus using any of a variety of bus architectures. By way of example, such architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, micro-channel architecture (MAC) bus, enhanced ISA bus, audio Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.
Computer device 12 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by computer device 12 and includes both volatile and nonvolatile media, removable and non-removable media.
The memory 28 may include computer system readable media in the form of volatile memory, such as random access memory 30 and/or cache memory 32. Computer device 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (commonly referred to as "hard drives"). Although not shown in FIG. 7, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. The memory may include at least one program product having a set (e.g., at least one) of program modules 42, with the program modules 42 configured to carry out the functions of embodiments of the application.
A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in memory, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules 42, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally perform the functions and/or methodologies of the embodiments described herein.
Computer device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, camera, etc.), with one or more devices that enable an operator to interact with computer device 12, and/or with any devices (e.g., network card, modem, etc.) that enable computer device 12 to communicate with one or more other computing devices. Such communication may be through the I/O interface 22. Also, computer device 12 may communicate with one or more networks (e.g., a Local Area Network (LAN)), a Wide Area Network (WAN), and/or a public network (e.g., the Internet) via network adapter 20. As shown in FIG. 7, the network adapter 20 communicates with the other modules of the computer device 12 via the bus 18. It should be appreciated that although not shown in FIG. 7, other hardware and/or software modules may be used in conjunction with computer device 12, including but not limited to: microcode, device drivers, redundant processing units 16, external disk drive arrays, RAID systems, tape drives, and data backup storage systems 34, etc.
The processing unit 16 executes various functional applications and data processing by executing programs stored in the system memory 28, for example, to implement a secure payment method provided by an embodiment of the present invention.
In an embodiment of the present invention, the present invention further provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a secure payment method as provided in all embodiments of the present application.
Any combination of one or more computer-readable media may be employed. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Computer program code for carrying out operations for aspects of the present application may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the operator's computer, partly on the operator's computer, as a stand-alone software package, partly on the operator's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the operator's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider). The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
While preferred embodiments of the present application have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all such alterations and modifications as fall within the true scope of the embodiments of the application.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.
The secure payment method and apparatus provided by the present application are introduced in detail, and a specific example is applied in the detailed description to explain the principle and the implementation of the present application, and the description of the above embodiment is only used to help understand the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.

Claims (10)

1. A secure payment method is applied to transaction service verification, and relates to a transaction service end, a payment end and a collection end, wherein the method comprises the following steps:
when a transaction request sent by the payment terminal is received, the transaction server searches the payment terminal in a pre-stored transaction list according to the transaction request, wherein the transaction request comprises payment account information, collection account information and transaction amount information;
the transaction server side sends a first verification instruction to the collection side, and the collection side collects first biological characteristic verification data in real time within a first preset time according to the first verification instruction;
the transaction server receives the first biological characteristic verification data, verifies the first biological characteristic verification data according to the collection account information and generates a first verification result;
the transaction server sends the first verification result and a second verification instruction to the payment terminal, and the payment terminal acquires second biological characteristic verification data in real time within second preset time according to the second verification instruction;
the transaction server receives the second biological characteristic verification data, verifies the second biological characteristic verification data according to the payment account information and generates a second verification result;
when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction; and when the second verification result is verification failure, ending the transaction.
2. The method of claim 1, wherein the first verification result comprises a verification success and a verification failure; when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction, wherein the step comprises the following steps:
when the first verification result is failure and the second verification result is successful, establishing a safe and trusted account according to the payment account information and the collection account information, wherein the safe and trusted account is used for freezing the transaction funds;
transferring the transaction funds of the payment account to the secure trusted account according to the transaction amount information;
and repeatedly sending a first verification instruction to the collection end until the first verification result is successful, transferring the transaction fund from the safe and credible account to the collection account, and ending the transaction.
3. The method of claim 1, wherein the first verification result comprises a verification success and a verification failure, and when the second verification result is the verification success, the step of transferring the transaction funds of the payment account to the collection account according to the transaction amount information and ending the transaction comprises:
determining a risk value of the collection account according to the collection account information;
when the risk value is larger than a preset risk threshold value, establishing a safe and credible account according to the payment account information and the collection account information, wherein the safe and credible account is used for freezing the transaction fund;
transferring the transaction funds of the payment account to the secure trusted account according to the transaction amount information;
and repeatedly sending a first verification instruction to the collection end until the first verification result is successful, transferring the transaction fund from the safe and credible account to the collection account, and ending the transaction.
4. A secure payment method is applied to transaction service verification, and relates to a transaction service end, a payment end and a collection end, wherein the method comprises the following steps:
the payment end sends a transaction request to the transaction server end, wherein the transaction request comprises payment account information, collection account information and transaction amount information; the transaction server is used for sending a first verification instruction to the collection end according to the transaction request, receiving first biological characteristic verification data collected by the collection end in real time within a preset first preset time according to the first verification instruction, and generating a first verification result according to the first biological characteristic verification data;
the payment end receives a first verification result and a second verification instruction sent by the transaction server end;
the payment terminal calls a display application according to the first verification result to display the first verification result, and calls a biological characteristic acquisition application according to the second verification instruction to acquire second biological characteristic data within second preset time;
and the payment terminal sends the second biological characteristic data to the transaction server terminal.
5. A secure payment method is applied to transaction service verification, and relates to a transaction service end, a payment end and a collection end, wherein the method comprises the following steps:
the receiving end receives a first verification instruction sent by the transaction server end; the first verification instruction is generated by the transaction server according to a transaction request, and the transaction request is sent to the transaction server by the payment terminal.
The collection end calls a biological characteristic collection application to collect first biological characteristic data within first preset time according to the first verification instruction;
and the collection end sends the first biological characteristic data to the transaction server.
6. A secure payment device, applied to transaction service verification, the device involving a transaction server, a payer and a payee, the device comprising:
the first receiving module is used for searching the payment terminal in a pre-stored transaction list by the transaction server according to the transaction request when the transaction request sent by the payment terminal is received, wherein the transaction request comprises payment account information, collection account information and transaction amount information;
the first sending module is used for sending a first verification instruction to the receiving end by the transaction server end, and the receiving end collects first biological characteristic verification data in real time within a first preset time according to the first verification instruction;
the second receiving module is used for receiving the first biological characteristic verification data by the transaction server, verifying the first biological characteristic verification data according to the collection account information and generating a first verification result;
and the second sending module is used for sending the first verification result and a second verification instruction to the payment end by the transaction server end, and the payment end acquires second biological characteristic verification data in real time within a second preset time according to the second verification instruction.
The third receiving module is used for receiving the second biological characteristic verification data by the transaction server, verifying the second biological characteristic verification data according to the payment account information and generating a second verification result;
when the second verification result is successful verification, transferring the transaction fund of the payment account to the collection account according to the transaction amount information, and ending the transaction; and when the second verification result is verification failure, ending the transaction.
7. A secure payment device, applied to transaction service verification, the device involving a transaction server, a payer and a payee, the device comprising:
the third sending module is used for sending a transaction request to the transaction server by the payment terminal, wherein the transaction request comprises payment account information, collection account information and transaction amount information; the transaction server is used for sending a first verification instruction to the collection end according to the transaction request, receiving first biological characteristic verification data collected by the collection end in real time within a preset first preset time according to the first verification instruction, and generating a first verification result according to the first biological characteristic verification data;
the fourth receiving module is used for receiving the first verification result and the second verification instruction sent by the transaction server by the payment terminal;
the first calling module is used for calling a display application by the payment terminal according to the first verification result so as to display the first verification result, and calling a biological characteristic acquisition application to acquire second biological characteristic data within second preset time according to the second verification instruction;
and the fourth sending module is used for sending the second biological characteristic data to the transaction server by the payment terminal.
8. A secure payment device, applied to transaction service verification, the device involving a transaction server, a payer and a payee, the device comprising:
the fifth receiving module is used for receiving the first verification instruction sent by the transaction server by the payee, and receiving the first verification instruction sent by the transaction server by the payee; the first verification instruction is generated by the transaction server according to a transaction request, and the transaction request is sent to the transaction server by the payment terminal;
the second calling module is used for calling the biological characteristic acquisition application by the collection end according to the first verification instruction to acquire first biological characteristic data within first preset time;
and the fifth sending module is used for sending the first biological characteristic data to the transaction server by the cash register.
9. An apparatus comprising a processor, a memory, and a computer program stored on the memory and capable of running on the processor, the computer program when executed by the processor implementing the method of any one of claims 1 to 5.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 5.
CN202110795721.6A 2021-07-14 2021-07-14 Safe payment method and device Pending CN113516478A (en)

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10515368B1 (en) * 2013-10-01 2019-12-24 Wells Fargo Bank, N.A. Interbank account verification and funds transfer system and method
CN112184239A (en) * 2020-09-23 2021-01-05 支付宝(杭州)信息技术有限公司 Secure payment method, device, equipment and readable medium
CN112950219A (en) * 2021-03-09 2021-06-11 支付宝(杭州)信息技术有限公司 Payment processing method and system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10515368B1 (en) * 2013-10-01 2019-12-24 Wells Fargo Bank, N.A. Interbank account verification and funds transfer system and method
CN112184239A (en) * 2020-09-23 2021-01-05 支付宝(杭州)信息技术有限公司 Secure payment method, device, equipment and readable medium
CN112950219A (en) * 2021-03-09 2021-06-11 支付宝(杭州)信息技术有限公司 Payment processing method and system

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Application publication date: 20211019