TW201723945A - System and method of movement monitoring of POS terminal - Google Patents

System and method of movement monitoring of POS terminal Download PDF

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Publication number
TW201723945A
TW201723945A TW105139498A TW105139498A TW201723945A TW 201723945 A TW201723945 A TW 201723945A TW 105139498 A TW105139498 A TW 105139498A TW 105139498 A TW105139498 A TW 105139498A TW 201723945 A TW201723945 A TW 201723945A
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information
check
pos terminal
mobile phone
transfer
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TW105139498A
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Chinese (zh)
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TWI622004B (en
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Quan Sun
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China Unionpay Co Ltd
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

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  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Signal Processing (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)

Abstract

The present invention relates to a system and method of movement monitoring of a POS terminal. The method comprises: generating sign-in information by a POS terminal, and sending generated sign-in information to a transaction server; obtaining the sign-in information from a mobile POS in a regulated communication mode, positioning the position of a mobile phone according to a regulated positioning mode and taking the position of the mobile phone as sign-in position information, and sending the sign-in information obtained by the mobile phone and the sign-in position information to the transaction server; determining whether the sign-in information sent from the POS terminal is consistent to the sign-in information sent by the mobile phone or not by the transaction server, going on a movement risk determination step if the sign-in information sent from the POS terminal is consistent to the sign-in information sent by the mobile phone, or else, returning back the sign-in failure; and comparing the sign-in position information with commercial tenant position information stored in a commercial tenant database, and determining there is not provided a movement risk if the deviation of the sign-in position information and the commercial tenant position information is in a regulated range, or else, determining there is provided a movement risk. According to the invention, the system and method of movement monitoring of a POS terminal are able to effectively monitor whether there is provided the movement condition of a POS terminal or not.

Description

POS終端的移機監控系統及移機監控方法 Transfer monitoring system of POS terminal and transfer monitoring method

本發明涉及POS終端的通信技術，更具體地涉及一種能夠防範POS終端移機的移機監控系統及其移機監控方法。 The present invention relates to a communication technology of a POS terminal, and more particularly to a transfer monitoring system capable of preventing a POS terminal from moving, and a method for monitoring the same.

在金融支付領域中，使用方便的移動POS受到越來越多商戶的青睞，但是面臨著一個非常重要的問題就是越來越多的不法商戶通過申請移動POS機跨地區使用進行欺詐等違法活動，這種潛在的風險稱為移機風險。 In the field of financial payment, the convenient mobile POS is favored by more and more merchants, but a very important issue is that more and more unscrupulous merchants are engaged in fraudulent activities such as fraudulent use of mobile POS machines. This potential risk is called transfer risk.

常規的防範POS移機違風險的方法，主要是收單機構為每台POS終端預設一個撥入電話號碼，並且，在POS終端簽到撥入時，對實際撥入號碼進行監控，如果實際撥入電話號碼與預設撥入電話號碼不一致，則判定為POS移機違規。但是，犯罪分子利用POS機具的通信特性，借助號碼轉撥器等輔助設備，可以實現在機構端顯示的POS終端撥入號碼仍為入網登記時的正常號碼，從而規避管理機構對POS終端移機的監控。 The conventional method for preventing the risk of POS shifting is mainly that the acquiring institution presets an incoming telephone number for each POS terminal, and when the POS terminal signs in to dial in, the actual dialed number is monitored, if the actual dialing is performed, If the incoming phone number does not match the preset incoming phone number, it is determined that the POS is illegal. However, the criminals use the communication characteristics of the POS machine, and the auxiliary device such as the number dialer can realize the normal number when the dial-in number of the POS terminal displayed on the organization side is still registered in the network, thereby avoiding the shift of the management mechanism to the POS terminal. Machine monitoring.

鑒於所述問題，本發明旨在提供一種處理能夠準確監控移機風險的POS終端移機監控系統以及移機監控方法。 In view of the above problems, the present invention aims to provide a POS terminal transfer monitoring system and a transfer monitoring method capable of accurately monitoring the risk of transfer.

本發明的POS終端的移機監控方法，其特徵在於，包括下述步驟：簽到資訊生成步驟，POS終端生成簽到資訊，將生成的簽到資訊發送到交易伺服器；手機簽到步驟，利用手機以規定的通信方式從移動POS獲得所述簽到資訊，根據規定的定位方式定位手機位置並將手機位置資訊作為簽到位置資訊，將手機獲取的所述簽到資訊和所述簽到位置資訊發送到交易伺服器；簽到處理步驟，交易伺服器判斷從POS終端發送來的簽到資訊與從手機發送來的簽到資訊是否一致，如果一致則繼續下述移機風險判斷步驟，否則返回簽到失敗；以及移機風險判斷步驟，比較所述簽到位置資訊與商戶資料庫中存儲的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The method for monitoring the transfer of a POS terminal of the present invention includes the following steps: a check-in information generating step, the POS terminal generates the check-in information, and sends the generated check-in information to the transaction server; the mobile phone sign-in step uses the mobile phone to specify The communication method obtains the check-in information from the mobile POS, locates the mobile phone location according to the specified positioning manner, and uses the mobile phone location information as the check-in location information, and sends the check-in information and the check-in location information obtained by the mobile phone to the transaction server; In the check-in processing step, the transaction server determines whether the check-in information sent from the POS terminal is consistent with the check-in information sent from the mobile phone, and if yes, continues the following transfer risk determination step, otherwise the check-in failure is returned; and the transfer risk determination step Comparing the check-in location information with the merchant location information stored in the merchant database, if the deviation between the two is within the specified range, it is determined that there is no transfer risk, otherwise it is determined that there is a transfer risk.

優選地，在所述手機簽到步驟中，利用GPS定位獲得手機的經緯度資訊作為所述簽到位置資訊，在所述移機風險判斷步驟，比較作為所述簽到位置資訊的手機的經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內 則判斷不存在移機風險，否則判斷存在移機風險。 Preferably, in the mobile phone sign-in step, the latitude and longitude information of the mobile phone is obtained by using the GPS positioning as the check-in location information, and the latitude and longitude information and the merchant data of the mobile phone as the check-in location information are compared in the transfer risk determination step. The latitude and longitude information of the merchant stored in the library as the location information of the merchant, if the deviation between the two is within the specified range Then it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer.

優選地，在所述手機簽到步驟中，獲得當前手機所處的基站的經緯度資訊並將該基站經緯度資訊作為所述簽到位置資訊，在所述移機風險判斷步驟，比較作為所述簽到位置資訊的基站經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 Preferably, in the step of signing in the mobile phone, obtaining latitude and longitude information of the base station where the current mobile phone is located and using the latitude and longitude information of the base station as the check-in location information, and comparing, as the check-in location information, the check-in location information The base station latitude and longitude information and the merchant's latitude and longitude information stored in the merchant database as the merchant location information, if the deviation between the two is within the specified range, it is judged that there is no transfer risk, otherwise it is determined that there is a risk of transfer.

優選地，在所述手機簽到步驟中，基於手機的移動基站信號採用規定的定位方式獲取手機的經緯度資訊將該基站經緯度資訊作為所述簽到位置資訊，在所述移機風險判斷步驟，比較作為所述簽到位置資訊的手機經緯度與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 Preferably, in the mobile phone sign-in step, the mobile phone base station signal is used to obtain the latitude and longitude information of the mobile phone according to the mobile phone base station signal, and the base station latitude and longitude information is used as the check-in location information, and the comparison is performed in the transfer risk determination step. The latitude and longitude information of the mobile phone as the location information of the merchant stored in the latitude and longitude of the location information and the merchant's database, if the deviation between the two is within the specified range, it is determined that there is no risk of transfer, otherwise the risk of transfer is determined.

優選地，所述規定的定位方式包括：COO定位、TOA定位、TEOA定位。 Preferably, the specified positioning manner includes: COO positioning, TOA positioning, and TEOA positioning.

優選地，所述規定的通信方式包括近距離無線傳輸方式、條碼識別方式、聲波識別方式。 Preferably, the prescribed communication manner includes a short-range wireless transmission method, a barcode recognition method, and a sound wave recognition method.

優選地，所述條碼識別方式包括：條碼識別方式和二維碼識別方式。 Preferably, the barcode identification manner comprises: a barcode identification manner and a two-dimensional code recognition manner.

優選地，在所述簽到資訊生成步驟中，POS終端動態生成簽到資訊。 Preferably, in the check-in information generating step, the POS terminal dynamically generates the check-in information.

優選地，在所述簽到資訊生成步驟中，設定 POS終端生成的簽到資訊在規定時間內有效。 Preferably, in the check-in information generating step, setting The check-in information generated by the POS terminal is valid for a specified period of time.

優選地，所述簽到資訊中還包括校驗資訊。 Preferably, the check-in information further includes verification information.

本發明的POS終端的移機監控系統，其特徵在於，包括：POS終端、手機、交易伺服器、移機風險判斷系統以及商戶檔案資料庫，POS終端，用於生成簽到資訊並且將生成的簽到資訊發送到下述交易伺服器；手機，用於以規定的通信方式從所述POS終端獲得所述簽到資訊，並且根據手機GPS定位獲得手機位置作為簽到位置資訊，將獲取的所述簽到資訊和所述簽到位置資訊發送到下述交易伺服器；交易伺服器，用於接收從所述手機上傳的簽到資訊和簽到位置資訊，並且接收從所述POS終端上傳的簽到資訊，比較從所述POS終端上傳的簽到資訊與從手機上傳的簽到資訊是否一致，如果一致則將上述簽到資訊連同上述簽到位置資訊一起發送到下述移機風險判斷系統，否則返回簽到失敗；商戶資料庫，用於至少存儲的商戶位置資訊；以及移機風險判斷系統，用於比較從所述交易伺服器發送來的簽到位置資訊與根據所述簽到資訊從所述商戶資料庫中讀取的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The POS terminal of the POS terminal of the present invention is characterized in that it comprises: a POS terminal, a mobile phone, a transaction server, a transfer risk determination system, and a merchant file database, and the POS terminal is configured to generate the check-in information and the generated check-in The information is sent to the following transaction server; the mobile phone is configured to obtain the check-in information from the POS terminal in a prescribed communication manner, and obtain the mobile phone location as the check-in location information according to the mobile phone GPS positioning, and the acquired check-in information and The check-in location information is sent to the following transaction server; the transaction server is configured to receive the check-in information and the check-in location information uploaded from the mobile phone, and receive the check-in information uploaded from the POS terminal, and compare the POS from the POS Whether the check-in information uploaded by the terminal is consistent with the check-in information uploaded from the mobile phone, if the same, the above-mentioned check-in information is sent together with the above-mentioned check-in location information to the following transfer risk judgment system, otherwise the return check-in fails; the merchant database is used for at least Stored business location information; and transfer risk assessment system for comparing The check-in location information sent by the transaction server and the merchant location information read from the merchant database according to the check-in information, if the deviation between the two is within the specified range, it is judged that there is no transfer risk, otherwise it is determined that there is a shift Machine risk.

優選地，所述手機利用GPS定位獲得手機的經緯度資訊作為所述簽到位置資訊， 所述商戶資料庫作為商戶位置資訊存儲有商戶經緯度資訊，所述移機風險判斷系統比較作為所述簽到位置資訊的手機的經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 Preferably, the mobile phone uses GPS positioning to obtain latitude and longitude information of the mobile phone as the check-in location information. The merchant database stores the merchant latitude and longitude information as the merchant location information, and the transfer risk determination system compares the latitude and longitude information of the mobile phone as the check-in location information with the merchant latitude and longitude information stored as the merchant location information in the merchant database. If the deviation between the two is within the specified range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer.

本發明的POS終端的移機監控系統，其特徵在於，包括：POS終端，用於生成簽到資訊並且將生成的簽到資訊發送到下述交易伺服器；手機，用於以規定的通信方式從所POS終端獲得所述簽到資訊，並且所述手機利用下述的位置伺服器獲得包含當前POS終端所處位置的基站資訊作為簽到位置資訊，將獲取的所述簽到資訊和所述簽到位置資訊發送到下述交易伺服器；交易伺服器，用於接收從所述手機上傳的簽到資訊和簽到位置資訊，並且接收從所述POS終端上傳的簽到資訊，比較從所述POS終端上傳的簽到資訊與從手機上傳的簽到資訊是否一致，如果一致則將上述簽到資訊連同上述簽到位置資訊一起發送到下述移機風險判斷系統，否則返回簽到失敗；商戶資料庫，用於至少存儲的商戶位置資訊；基站位置資料庫，用於至少存儲基站位置；位置伺服器，用於根據手機信號獲取包含當前POS 終端所處位置的基站資訊，並且根據該基站資訊從所述基站位置資料庫中讀出相應基站的基站位置資訊；以及移機風險判斷系統，用於比較從所述位置伺服器獲取的所述基站位置資訊與根據所述簽到資訊從所述商戶資料庫中讀取的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The POS terminal of the POS terminal of the present invention is characterized in that it comprises: a POS terminal for generating check-in information and transmitting the generated check-in information to a transaction server; the mobile phone is used for the specified communication manner The POS terminal obtains the check-in information, and the mobile phone uses the location server to obtain the base station information including the location of the current POS terminal as the check-in location information, and sends the obtained check-in information and the check-in location information to The transaction server is configured to receive the check-in information and the check-in location information uploaded from the mobile phone, and receive the check-in information uploaded from the POS terminal, and compare the check-in information and the slave information uploaded from the POS terminal. Whether the check-in information uploaded by the mobile phone is consistent, if the agreement is the same, the above-mentioned check-in information is sent together with the above-mentioned check-in location information to the following transfer risk judgment system, otherwise the return check-in fails; the merchant database is used for at least the stored merchant location information; Location database for storing at least base station location; location server for use according to hand Gets the current signal POS Base station information of the location where the terminal is located, and reading base station location information of the corresponding base station from the base station location database according to the base station information; and a transfer risk determination system for comparing the obtained from the location server The base station location information and the merchant location information read from the merchant database according to the check-in information, if the deviation between the two is within the specified range, it is determined that there is no transfer risk, otherwise it is determined that there is a transfer risk.

優選地，所述位置伺服器根據所述簽到位置資訊從所述基站位置資料庫中讀出相應基站的經緯度資訊作為所述簽到位置資訊，所述商戶資料庫作為商戶位置資訊存儲有商戶經緯度資訊，所述移機風險判斷系統比較作為所述簽到位置資訊的基站經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 Preferably, the location server reads the latitude and longitude information of the corresponding base station from the base station location database as the check-in location information according to the check-in location information, and the merchant database stores the merchant latitude and longitude information as the merchant location information. The transfer risk determination system compares the latitude and longitude information of the base station as the check-in location information with the merchant latitude and longitude information stored as the merchant location information in the merchant database, and if the deviation between the two is within the specified range, it is determined that there is no transfer Risk, otherwise it is judged that there is a risk of transfer.

本發明的POS終端的移機監控系統，其特徵在於，包括：POS終端，用於生成簽到資訊並且將生成的簽到資訊發送到下述交易伺服器，手機，用於以規定的通信方式從所POS終端獲得所述簽到資訊，所述手機利用下述位置伺服器獲得手機位置資訊作為簽到位置資訊，將獲取的所述簽到資訊和所述簽到位置資訊發送到下述交易伺服器；交易伺服器，用於接收從所述手機上傳的簽到資訊和 簽到位置資訊，並且接收從所述POS終端上傳的簽到資訊，比較從所述POS終端上傳的簽到資訊與從手機上傳的簽到資訊是否一致，如果一致則將上述簽到資訊連同上述簽到位置資訊一起發送到下述移機風險判斷系統，否則返回簽到失敗；商戶資料庫，用於至少存儲的商戶位置資訊；基站位置資料庫，用於至少存儲基站位置；位置伺服器，用於根據手機的移動基站信號獲取手機位置資訊；以及移機風險判斷系統，用於比較從所述交易伺服器發送來的所述簽到位置資訊與根據所述簽到資訊從所述商戶資料庫中讀取的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The POS terminal of the POS terminal of the present invention is characterized in that it comprises: a POS terminal, configured to generate the check-in information and send the generated check-in information to a transaction server, the mobile phone, for using the specified communication method The POS terminal obtains the check-in information, and the mobile phone obtains the mobile phone location information as the check-in location information by using the following location server, and sends the obtained check-in information and the check-in location information to the following transaction server; the transaction server For receiving the check-in information uploaded from the mobile phone and Receiving location information, and receiving the check-in information uploaded from the POS terminal, comparing whether the check-in information uploaded from the POS terminal is consistent with the check-in information uploaded from the mobile phone, and if yes, sending the check-in information together with the check-in location information Go to the following transfer risk judgment system, otherwise return check-in failure; merchant database for at least stored merchant location information; base station location database for storing at least base station location; location server for mobile base station based on mobile phone a signal acquisition mobile phone location information; and a transfer risk determination system, configured to compare the check-in location information sent from the transaction server with the merchant location information read from the merchant database according to the check-in information, If the deviation between the two is within the specified range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer.

優選地，所述位置伺服器根據COO定位、TOA定位、TEOA定位中的任意一種確定手機的經緯度資訊作為簽到位置資訊，所述商戶資料庫作為商戶位置資訊存儲有商戶經緯度資訊，所述移機風險判斷系統比較作為所述簽到位置資訊的經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 Preferably, the location server determines the latitude and longitude information of the mobile phone as the check-in location information according to any one of the COO positioning, the TOA positioning, and the TEOA positioning, and the merchant database stores the merchant latitude and longitude information as the merchant location information, and the mobile station The risk judgment system compares the latitude and longitude information of the check-in location information with the merchant latitude and longitude information stored as the merchant location information in the merchant database, and if the deviation between the two is within the prescribed range, it is judged that there is no transfer risk, otherwise the judgment exists Machine risk.

優選地，所述規定的通信方式包括近距離無線傳輸方式、條碼識別方式、聲波識別方式。 Preferably, the prescribed communication manner includes a short-range wireless transmission method, a barcode recognition method, and a sound wave recognition method.

優選地，所述條碼識別方式包括：條碼識別方式和二維碼識別方式。 Preferably, the barcode identification manner comprises: a barcode identification manner and a two-dimensional code recognition manner.

優選地，所述POS終端用於動態生成簽到資訊並且設定POS終端生成的簽到資訊在規定時間內有效。 Preferably, the POS terminal is configured to dynamically generate the check-in information and set the check-in information generated by the POS terminal to be valid within a specified time.

優選地，所述POS終端具備用於生成包含簽到資訊的條碼或者二維碼的條碼生成單元。 Preferably, the POS terminal is provided with a barcode generating unit for generating a barcode or a two-dimensional code including the check-in information.

本發明POS終端的移機監控系統以及POS終端的移機監控方法，通過在POS終端簽到環節增加手機端的簽到，並借助手機的GPS定位或者移動基站定位，確定POS機簽到的位置，從而能夠有效識別是否存在移機風險。本發明POS終端的移機監控系統以及POS終端的移機監控方法，無需進行大量的硬體改造，僅需對POS終端進行必要的程式更新，充分利用智慧手機已經具備的功能，能夠節約改造成本、易於普及推廣。 The transfer monitoring system of the POS terminal of the present invention and the transfer monitoring method of the POS terminal can increase the sign-in of the mobile phone end by signing in the POS terminal, and determine the location of the POS machine by using the GPS positioning of the mobile phone or the positioning of the mobile base station, thereby being effective. Identify if there is a risk of transfer. The transfer monitoring system of the POS terminal of the present invention and the transfer monitoring method of the POS terminal do not need to perform a large number of hardware transformations, and only need to perform necessary program update on the POS terminal, fully utilize the functions already possessed by the smart phone, and can save the transformation cost. Easy to popularize.

100‧‧‧POS終端 100‧‧‧POS terminal

200‧‧‧手機 200‧‧‧Mobile phones

400‧‧‧交易伺服器 400‧‧‧Transaction Server

500‧‧‧移機風險判斷系統 500‧‧‧Transfer Risk Judging System

600‧‧‧位置伺服器 600‧‧‧Location Server

700‧‧‧商戶檔案資料庫 700‧‧‧Business Archives

800‧‧‧基站位置資料庫 800‧‧‧Base Station Location Database

圖1是表示本發明的POS終端的移機監控方法的流程示意圖。 1 is a flow chart showing a method of monitoring a transfer of a POS terminal according to the present invention.

圖2是表示本發明的一實施方式的POS終端的移機監控系統的構造示意圖。 2 is a view showing the configuration of a transfer monitoring system of a POS terminal according to an embodiment of the present invention.

下面介紹的是本發明的多個實施例中的一 些，旨在提供對本發明的基本瞭解。並不旨在確認本發明的關鍵或決定性的要素或限定所要保護的範圍。 Described below is one of the various embodiments of the present invention These are intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or the scope of the invention.

圖1是表示本發明的POS終端的移機監控方法的流程示意圖。 1 is a flow chart showing a method of monitoring a transfer of a POS terminal according to the present invention.

如圖1所示，本發明的POS終端的移機監控方法包括下述步驟：簽到資訊生成步驟S100：POS終端生成簽到資訊，將生成的簽到資訊發送到交易伺服器；手機簽到步驟S200：利用手機以規定的通信方式從移動POS獲得所述簽到資訊，根據規定的定位方式定位手機位置並將手機位置資訊作為簽到位置資訊，將手機獲取的所述簽到資訊和所述簽到位置資訊發送到交易伺服器；簽到處理步驟S300：交易伺服器判斷從POS終端發送來的簽到資訊與從手機發送來的簽到資訊是否一致，如果一致則繼續下述移機風險判斷步驟，否則返回簽到失敗；以及移機風險判斷步驟S400：比較所述簽到位置資訊與商戶資料庫中存儲的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 As shown in FIG. 1, the mobile station monitoring method of the POS terminal of the present invention includes the following steps: a check-in information generating step S100: the POS terminal generates the sign-in information, and sends the generated check-in information to the transaction server; the mobile phone signs in step S200: utilizing The mobile phone obtains the check-in information from the mobile POS in a prescribed communication manner, locates the mobile phone location according to the specified positioning manner, and uses the mobile phone location information as the check-in location information, and sends the check-in information and the check-in location information acquired by the mobile phone to the transaction. The server performs the check-in processing step S300: the transaction server determines whether the check-in information sent from the POS terminal is consistent with the check-in information sent from the mobile phone, and if yes, continues the following transfer risk determination step, otherwise the check-in failure is returned; The machine risk judging step S400: comparing the check-in location information with the merchant location information stored in the merchant database, and if the deviation between the two is within the specified range, it is determined that there is no transfer risk, otherwise it is determined that there is a transfer risk.

接著，對於簽到資訊生成步驟S100、手機簽到步驟S200、簽到處理步驟S300、移機風險判斷步驟S400進行具體說明。 Next, the sign-in information generating step S100, the mobile phone sign-in step S200, the sign-in processing step S300, and the transfer risk determining step S400 will be specifically described.

具體地，在簽到資訊生成步驟S100中，POS終端生成包含商戶號、終端號、簽到時間等資訊的簽到資訊發送到交易伺服器，並且另一方面POS終端生成的簽到資訊以手機能夠獲取的方式提供給手機。 Specifically, in the check-in information generating step S100, the POS terminal generates the check-in information including the merchant number, the terminal number, the check-in time and the like, and sends the check-in information to the transaction server, and on the other hand, the check-in information generated by the POS terminal is acquired by the mobile phone. Provided to the phone.

例如，POS終端可以生成包含上述簽到資訊的二維碼或者條碼並顯示在POS終端的螢幕上提供給手機進行掃描獲取，或者POS終端可以生成包含上述簽到資訊的聲波在手機靠近時發出聲波供手機獲取，或者POS終端也可以生成包含上述簽到資訊的一個藍牙信號在手機靠近時供手機獲取。 For example, the POS terminal may generate a two-dimensional code or a bar code including the above-mentioned check-in information and display it on the screen of the POS terminal to provide the mobile phone for scanning acquisition, or the POS terminal may generate a sound wave including the above-mentioned check-in information to emit sound waves when the mobile phone approaches the mobile phone. Acquiring, or the POS terminal can also generate a Bluetooth signal containing the above-mentioned check-in information for the mobile phone to obtain when the mobile phone is approaching.

而且，POS終端動態生成簽到資訊，例如POS終端設定生成的簽到資訊在規定時間內有效(例如，10秒)，在超過規定時間後生成的簽到資訊(例如，二維碼、條碼、聲波或者藍牙信號等)將會失效。 Moreover, the POS terminal dynamically generates the check-in information, for example, the check-in information generated by the POS terminal setting is valid (for example, 10 seconds), and the check-in information generated after the specified time is exceeded (for example, QR code, barcode, sound wave or Bluetooth) Signals, etc.) will be invalid.

在手機簽到步驟S200中，利用手機以規定的通信方式，例如近距離無線傳輸方式、條碼識別方式、聲波識別方式等的通信方式從POS終端獲得包含述商戶號、終端號、簽到時間以及簽到時間等資訊的簽到資訊，根據各種定位方式確定當前手機位置，例如根據GPS定位、或者根據移動基站信號確定當前手機所處位置的基站位置、或者根據移動基站信號確定當前手機位置。 In the mobile phone sign-in step S200, the mobile phone obtains the merchant number, the terminal number, the check-in time, and the check-in time from the POS terminal by using a predetermined communication method, such as a short-range wireless transmission method, a barcode recognition method, a sound wave recognition method, or the like. The information of the check-in information of the information determines the current location of the mobile phone according to various positioning methods, for example, according to GPS positioning, or determining the location of the base station where the current mobile phone is located according to the mobile base station signal, or determining the current mobile phone location according to the mobile base station signal.

具體地，第一種定位方式(GPS定位手機位置)：如果有GPS信號，則手機能夠直接獲取當前手機所處位置的經緯度資訊；第二種定位方式(定位基站位 置)：如果GPS信號定位不成功或者沒有GPS信號，則通過當前手機向周圍基站發送請求資訊以獲取當前基站資訊，包括國家碼(MCC,Mobile Country Code)、網路碼(MNC,Mobile Network Code)、位置區域碼(LAC,Location Area Code)、當前基站編號資訊(CID,Cell ID)，將基站的經緯度作為簽到位置資訊；第三種定位方式(基於移動基站信號定位手機位置)：如果GPS定位不成功或者沒有GPS信號，可以基於移動基站信號，採用COO(Cell of Origin，蜂窩社區)定位、TOA(Time of Arrival，到達時間)定位、TDOA(Time Difference of Arrival，到達時間差)定位等的定位方法，獲取當前手機的經緯度資訊，將該經緯度資訊作為簽到位置資訊。 Specifically, the first positioning method (GPS positioning mobile phone position): if there is a GPS signal, the mobile phone can directly obtain the latitude and longitude information of the current mobile phone location; the second positioning mode (positioning the base station position) Set): If the GPS signal is not successfully located or there is no GPS signal, send the request information to the surrounding base station through the current mobile phone to obtain the current base station information, including country code (MCC, Mobile Country Code), network code (MNC, Mobile Network Code). ), location area code (LAC, Location Area Code), current base station number information (CID, Cell ID), using the latitude and longitude of the base station as the check-in location information; and the third positioning mode (based on the mobile base station signal to locate the mobile phone location): if GPS Unsuccessful positioning or no GPS signal, based on mobile base station signals, using COO (Cell of Origin) positioning, TOA (Time of Arrival) positioning, TDOA (Time Difference of Arrival) positioning, etc. The positioning method obtains the latitude and longitude information of the current mobile phone, and uses the latitude and longitude information as the check-in location information.

其中，COO定位是GSM網獲取位置資訊來實現位置服務的主要定位技術，它是基於Cell-ID的定位技術，通過採集移動台所處的社區識別號(Cell-ID號)來確定使用者的位置，只要系統能夠採集到移動台所在社區基站在地圖上的地理位置，以及社區的覆蓋半徑，則當移動台在所處社區註冊後，系統就會知道移動台處於哪一社區。這種技術的定位精度取決於所在社區的半徑，如在市區，基站密度較高，COO定位精度可以達到200米左右；而在郊區，基站密度較低，COO定位精度只能達到一兩公里。TOA定位技術基本原理是通過測出電波從手機終端傳播到多個基站的時間來確定手機終端的位置。TDOA定位是通過檢測信號到達兩個基站的時間差來確定 手機終端的位置，採用三個不同的基站可以測到兩個TDOA，移動站位於兩個TDOA決定的雙曲線的交點上。 Among them, COO positioning is the main positioning technology for GSM network to obtain location information to realize location service. It is a Cell-ID based positioning technology, and the location of the user is determined by collecting the community identification number (Cell-ID number) where the mobile station is located. As long as the system can collect the geographical location of the base station of the mobile station in the community and the coverage radius of the community, when the mobile station registers with the community, the system knows which community the mobile station is in. The positioning accuracy of this technology depends on the radius of the community. For example, in urban areas, the base station density is high, and the COO positioning accuracy can reach 200 meters. In the suburbs, the base station density is low, and the COO positioning accuracy can only reach one or two kilometers. . The basic principle of the TOA positioning technology is to determine the location of the mobile terminal by measuring the time when the radio wave propagates from the mobile terminal to the plurality of base stations. TDOA positioning is determined by detecting the time difference between the signals arriving at the two base stations. The location of the mobile terminal can be measured by three different base stations, and the mobile station is located at the intersection of two hyperbolisms determined by TDOA.

接著，在簽到處理步驟S300中，交易伺服器判斷從POS終端發送來的簽到資訊與從手機發送來的簽到資訊是否一致，如果一致則繼續下述移機風險判斷步驟，否則返回簽到失敗。具體地，判斷從POS終端發送來的包含在簽到資訊中的例如商戶號、終端號、簽到時間等是否與從手機發送來的包含在簽到資訊中的例如商戶號、終端號、簽到時間等是否一致，在不一致的情況下返回簽到失敗。 Next, in the check-in processing step S300, the transaction server determines whether the check-in information sent from the POS terminal matches the check-in information sent from the mobile phone. If they match, the following transfer risk determination step is continued, otherwise the check-in fails. Specifically, it is determined whether, for example, the merchant number, the terminal number, the check-in time, and the like included in the check-in information sent from the POS terminal are related to, for example, the merchant number, the terminal number, the check-in time, and the like included in the check-in information sent from the mobile phone. Consistent, returning to check-in fails in case of inconsistency.

在移機風險判斷步驟S400中，比較從交易伺服器上傳來的簽到位置資訊與商戶資料庫中存儲的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 In the transfer risk determination step S400, the check-in location information uploaded from the transaction server and the merchant location information stored in the merchant database are compared, and if the deviation between the two is within the prescribed range, it is determined that there is no transfer risk, otherwise the judgment is made. There is a risk of transfer.

如果在上述第一種定位方式的情況下，則比較通過手機GPS定位獲得的手機經緯度資訊和商戶資料庫中存儲的商戶經緯度資訊；如果在上述第二種定位方式的情況下則比較手機所處的基站的經緯度資訊和商戶資料庫中存儲的商戶經緯度資訊；如果在上述第三種定位方式的情況下則比較通過移動基站信號定位的手機的經緯度資訊與商戶資料庫中存儲的商戶經緯度資訊。 In the case of the first positioning method described above, the latitude and longitude information of the mobile phone obtained by the GPS positioning of the mobile phone and the latitude and longitude information of the merchant stored in the merchant database are compared; if the second positioning mode is used, the mobile phone is compared. The latitude and longitude information of the base station and the latitude and longitude information of the merchant stored in the merchant database; if the third positioning mode is used, the latitude and longitude information of the mobile phone that is located by the mobile base station signal and the latitude and longitude information of the merchant stored in the merchant database are compared.

下面對於本發明的POS終端移機監控系統的具體實施方式進行說明。 The specific implementation of the POS terminal transfer monitoring system of the present invention will be described below.

圖2是表示本發明的一實施方式的POS終端 的移機監控系統的構造示意圖。 2 is a POS terminal showing an embodiment of the present invention; Schematic diagram of the construction of the transfer monitoring system.

如圖2所示，本發明一實施方式的POS終端的移機監控系統包括：POS終端100、手機200、交易伺服器400、移機風險判斷系統500位置伺服器600、用於存儲商戶檔案資料的商戶檔案資料庫700、用於存儲基站位置資訊的基站位置資料庫800。 As shown in FIG. 2, the mobile station monitoring system of the POS terminal according to an embodiment of the present invention includes: a POS terminal 100, a mobile phone 200, a transaction server 400, a transfer risk determination system 500 location server 600, and a storage business profile file. The merchant profile database 700, the base station location database 800 for storing base station location information.

在本實施方式中將要舉例POS終端100與手機200之間通過掃描二維碼的方式進行通信的移機監控系統。 In the present embodiment, a transfer monitoring system in which a POS terminal 100 and a mobile phone 200 communicate by scanning a two-dimensional code will be exemplified.

在本實施方式中對普通的POS終端進行軟體上的改造，使得增加生成簽到二維碼生成功能，這樣的改造僅是軟體上的改造，不需要對硬體進行改造，有利於節省成本，更有利於推廣使用。 In the embodiment, the software transformation on the ordinary POS terminal is performed, so that the generation of the sign-on two-dimensional code generation function is increased, and such transformation is only a software modification, and the hardware is not required to be modified, which is beneficial to cost saving and more. Conducive to promotion and use.

這樣，POS終端100動態生成包含商戶號、終端號、簽到時間以及校驗資訊的簽到資訊，該簽到資訊以二維碼形式顯示在POS終端100的螢幕上供手機200在後續進行掃描。這裡，可以對該生成的二維碼設定有效期限(例如，10秒、20秒等)，過期後該二維碼失效。這樣能夠進一步保障即時性和安全性。 In this way, the POS terminal 100 dynamically generates the check-in information including the merchant number, the terminal number, the check-in time, and the check information, and the check-in information is displayed on the screen of the POS terminal 100 in the form of a two-dimensional code for the mobile phone 200 to scan later. Here, an effective period (for example, 10 seconds, 20 seconds, etc.) may be set for the generated two-dimensional code, and the two-dimensional code is invalid after expiration. This will further ensure immediacy and security.

另一方面，POS終端100也將生成的簽到資訊發送到交易伺服器400。 On the other hand, the POS terminal 100 also transmits the generated check-in information to the transaction server 400.

收銀員打開手機200的攝像頭，掃描並識別顯示於POS終端100螢幕上的二維碼。手機200通過識別二維碼就能夠獲得包含商戶號、終端號、簽到時間以及 校驗資訊的簽到資訊。 The cashier opens the camera of the handset 200 and scans and identifies the two-dimensional code displayed on the screen of the POS terminal 100. The mobile phone 200 can obtain the merchant number, the terminal number, the check-in time, and the like by identifying the two-dimensional code. Check the check-in information of the information.

另一方面，手機200通過上述三種定位方式即GPS定位手機位置、定位基站位置、基於移動基站信號定位手機位置，獲取手機當前位置或者手機所處的基站的位置作為簽到位置資訊，手機200將掃描識別獲取的簽到資訊和定位獲取的簽到位置資訊轉發到交易伺服器400。 On the other hand, the mobile phone 200 uses the above three positioning methods, namely, GPS positioning of the mobile phone location, positioning of the base station location, positioning of the mobile phone location based on the mobile base station signal, obtaining the current location of the mobile phone or the location of the base station where the mobile phone is located as the check-in location information, and the mobile phone 200 will scan. The check-in location information identifying the acquired check-in information and the location acquisition is forwarded to the transaction server 400.

具體地，第一種定位方式的情況下，如果有GPS信號，則手機200能夠直接通過GPS信號獲取當前手機所處位置的經緯度資訊，這種情況下，圖2中的位置伺服器600和基站位置資料庫800就可以省略不需要。也就是說，這種情況下手機200將通過GPS信號獲取的手機當前位置的經緯度資訊作為簽到位置資訊。 Specifically, in the case of the first positioning mode, if there is a GPS signal, the mobile phone 200 can directly acquire the latitude and longitude information of the current location of the mobile phone through the GPS signal. In this case, the location server 600 and the base station in FIG. The location database 800 can be omitted. That is to say, in this case, the mobile phone 200 uses the latitude and longitude information of the current location of the mobile phone obtained by the GPS signal as the check-in location information.

在第二種定位方式的情況下，如果GPS信號定位不成功或者沒有GPS信號，則通過當前手機200向周圍基站300發送請求資訊以獲取當前基站資訊，利用位置伺服器600從基站位置資料庫800中獲取包括國家碼(MCC,Mobile Country Code)、網路碼(MNC,Mobile Network Code)、位置區域碼(LAC,Location Area Code)、當前基站編號資訊(CID,Cell ID)的基站資訊，並且將基站的位置資訊(例如基站經緯度)作為簽到位置資訊。 In the case of the second positioning mode, if the GPS signal is not successfully located or has no GPS signal, the current mobile phone 200 transmits the request information to the surrounding base station 300 to acquire the current base station information, and uses the location server 600 to obtain the current base station information from the base station location database 800. Obtaining base station information including a country code (MCC, Mobile Country Code), a network code (MNC, a Mobile Network Code), a location area code (LAC), a current base station number information (CID, Cell ID), and The location information of the base station (for example, base station latitude and longitude) is used as the check-in location information.

在第三種定位方式的情況下，如果GPS定位不成功或者沒有GPS信號，可以基於移動基站信號進行定位，具體地，例如，手機200和位置伺服器600採用 COO定位、TDOA定位、TOA定位等的定位方法，獲取當前手機200的經緯度資訊，將該經緯度資訊作為簽到位置資訊。 In the case of the third positioning mode, if the GPS positioning is unsuccessful or there is no GPS signal, the positioning may be performed based on the mobile base station signal, specifically, for example, the mobile phone 200 and the location server 600 are used. The positioning method of COO positioning, TDOA positioning, TOA positioning, etc. acquires the latitude and longitude information of the current mobile phone 200, and uses the latitude and longitude information as the check-in location information.

在第二、第三中定位方式的情況下，簽到位置資訊可以是返回到手機200後由手機200發送給交易伺服器400再轉發給移機風險判斷系統500，或者也可以是由位置伺服器600直接發送給移機風險判斷系統500。 In the case of the second and third positioning modes, the check-in location information may be returned to the mobile phone 200 and then sent by the mobile phone 200 to the transaction server 400 and then forwarded to the transfer risk determination system 500, or may be by the location server. 600 is sent directly to the transfer risk assessment system 500.

交易伺服器400從POS終端100接收簽到資訊，也從手機200接收手機200識別到的簽到資訊(以及從手機200上傳的簽到位置資訊)。交易伺服器400首先比較從POS終端100上傳的簽到資訊與從手機200上傳的簽到資訊是否一致，如果一致則繼續後續步驟，例如將上述簽到資訊連同上述簽到位置資訊一起發送到移機風險判斷系統500，如果兩條簽到資訊不一致則返回簽到失敗。 The transaction server 400 receives the check-in information from the POS terminal 100, and also receives the check-in information (and the check-in location information uploaded from the mobile phone 200) recognized by the mobile phone 200 from the mobile phone 200. The transaction server 400 first compares whether the check-in information uploaded from the POS terminal 100 is consistent with the check-in information uploaded from the mobile phone 200, and if so, continues the subsequent steps, for example, sending the check-in information together with the check-in location information to the transfer risk determination system. 500, if the two sign-in information is inconsistent, the return sign-in fails.

移機風險判斷系統500比較從交易伺服器400(或者也可以是從位置伺服器600)發送來的簽到位置資訊與根據簽到資訊從商戶資料庫700中讀取的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。例如，在上述第一種定位方式的情況下，移機風險判斷系統500判斷手機的經緯度和商戶登記在商戶資料庫700中的商戶經緯度是否一致；在上述第二種定位方式的情況下，移機風險判斷系統500判斷手機所處位置的基站的經緯度資訊和商戶登記在商戶資 料庫700中的商戶經緯度是否一致；在上述第三種定位方式的情況下，移機風險判斷系統500判斷手機的經緯度和商戶登記在商戶資料庫700中的商戶經緯度是否一致。 The transfer risk determination system 500 compares the check-in location information sent from the transaction server 400 (or may also be from the location server 600) with the merchant location information read from the merchant database 700 based on the check-in information, if both If the deviation is within the specified range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer. For example, in the case of the first type of positioning, the mobile risk determination system 500 determines whether the latitude and longitude of the mobile phone and the merchant's latitude and longitude registered in the merchant database 700 are consistent; in the case of the second positioning method, The machine risk judgment system 500 determines the latitude and longitude information of the base station where the mobile phone is located and the merchant is registered in the merchant's capital Whether the latitude and longitude of the merchants in the treasury 700 are consistent; in the case of the third locating mode described above, the migrating risk assessment system 500 determines whether the latitude and longitude of the mobile phone and the latitude and longitude of the merchant registered in the merchant database 700 are consistent.

本發明POS終端的移機監控系統以及POS終端的移機監控方法，通過在POS終端簽到環節增加手機端的簽到，並借助手機的GPS定位或者移動基站定位，確定POS機簽到的位置，從而能夠有效識別是否存在移機風險。本發明POS終端的移機監控系統以及POS終端的移機監控方法，無需進行大量的硬體改造，僅需對POS終端進行必要的程式更新，充分利用智慧手機已經具備的功能，能夠節約改造成本、易於普及推廣。 The transfer monitoring system of the POS terminal of the present invention and the transfer monitoring method of the POS terminal can increase the sign-in of the mobile phone end by signing in the POS terminal, and determine the location of the POS machine by using the GPS positioning of the mobile phone or the positioning of the mobile base station, thereby being effective. Identify if there is a risk of transfer. The transfer monitoring system of the POS terminal of the present invention and the transfer monitoring method of the POS terminal do not need to perform a large number of hardware transformations, and only need to perform necessary program update on the POS terminal, fully utilize the functions already possessed by the smart phone, and can save the transformation cost. Easy to popularize.

以上例子主要說明了本發明POS終端的移機監控系統以及POS終端的移機監控方法。儘管只對其中一些本發明的具體實施方式進行了描述，但是本領域普通技術人員應當瞭解，本發明可以在不偏離其主旨與範圍內以許多其他的形式實施。因此，所展示的例子與實施方式被視為示意性的而非限制性的，在不脫離如所附各權利要求所定義的本發明精神及範圍的情況下，本發明可能涵蓋各種的修改與替換。 The above examples mainly illustrate the transfer monitoring system of the POS terminal of the present invention and the transfer monitoring method of the POS terminal. Although only a few of the specific embodiments of the present invention have been described, it is understood that the invention may be embodied in many other forms without departing from the spirit and scope of the invention. The present examples and embodiments are to be construed as illustrative and not restricting replace.

100‧‧‧POS終端 100‧‧‧POS terminal

200‧‧‧手機 200‧‧‧Mobile phones

400‧‧‧交易伺服器 400‧‧‧Transaction Server

500‧‧‧移機風險判斷系統 500‧‧‧Transfer Risk Judging System

600‧‧‧位置伺服器 600‧‧‧Location Server

700‧‧‧商戶檔案資料庫 700‧‧‧Business Archives

800‧‧‧基站位置資料庫 800‧‧‧Base Station Location Database

Claims (20)

一種POS終端的移機監控方法，包括：簽到資訊生成步驟，POS終端生成簽到資訊，將生成的簽到資訊發送到交易伺服器；手機簽到步驟，利用手機以規定的通信方式從移動POS獲得所述簽到資訊，根據規定的定位方式定位手機位置並將手機位置資訊作為簽到位置資訊，將手機獲取的所述簽到資訊和所述簽到位置資訊發送到交易伺服器；簽到處理步驟，交易伺服器判斷從POS終端發送來的簽到資訊與從手機發送來的簽到資訊是否一致，如果一致則繼續下述移機風險判斷步驟，否則返回簽到失敗；以及移機風險判斷步驟，比較所述簽到位置資訊與商戶資料庫中存儲的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 A method for monitoring a transfer of a POS terminal, comprising: a check-in information generating step, the POS terminal generates the check-in information, and sends the generated check-in information to the transaction server; the mobile phone sign-in step uses the mobile phone to obtain the said message from the mobile POS in a prescribed communication manner. Checking the information, locating the location of the mobile phone according to the specified positioning manner, and using the mobile phone location information as the check-in location information, sending the check-in information obtained by the mobile phone and the check-in location information to the transaction server; in the check-in processing step, the transaction server judges from Whether the check-in information sent by the POS terminal is consistent with the check-in information sent from the mobile phone, if yes, the following transfer risk determination step is continued, otherwise the check-in failure is returned; and the transfer risk determination step is performed, and the check-in location information and the merchant are compared. The location information of the merchants stored in the database, if the deviation between the two is within the specified range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer. 如申請專利範圍第1項所述的POS終端的移機監控方法，其中，在所述手機簽到步驟中，利用GPS定位獲得手機的經緯度資訊作為所述簽到位置資訊，在所述移機風險判斷步驟，比較作為所述簽到位置資訊的手機的經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The method for monitoring a transfer of a POS terminal according to claim 1, wherein in the step of signing in the mobile phone, the latitude and longitude information of the mobile phone is obtained by using GPS positioning as the check-in location information, and the risk of the transfer is determined. a step of comparing the latitude and longitude information of the mobile phone as the check-in location information with the latitude and longitude information of the merchant stored in the merchant database as the merchant location information, and if the deviation between the two is within the prescribed range, it is determined that there is no transfer risk, otherwise the judgment exists. Transfer risk. 如申請專利範圍第1項所述的POS終端的移機監控 方法，其中，在所述手機簽到步驟中，獲得當前手機所處的基站的經緯度資訊並將該基站經緯度資訊作為所述簽到位置資訊，在所述移機風險判斷步驟，比較作為所述簽到位置資訊的基站經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 Transfer monitoring of the POS terminal as described in item 1 of the patent application scope The method, in the mobile phone sign-in step, obtaining the latitude and longitude information of the base station where the current mobile phone is located, and using the base station latitude and longitude information as the check-in location information, in the transfer risk determination step, comparing the check-in location The latitude and longitude information of the base station of the information and the latitude and longitude information of the merchant stored in the merchant database as the location information of the merchant, if the deviation between the two is within the specified range, it is judged that there is no risk of transfer, otherwise the risk of transfer is judged. 如申請專利範圍第1項所述的POS終端的移機監控方法，其中，在所述手機簽到步驟中，基於手機的移動基站信號採用規定的定位方式獲取手機的經緯度資訊將該基站經緯度資訊作為所述簽到位置資訊，在所述移機風險判斷步驟，比較作為所述簽到位置資訊的手機經緯度與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The mobile station monitoring method of the POS terminal according to claim 1, wherein, in the mobile phone sign-in step, the mobile phone base station signal is used to obtain the latitude and longitude information of the mobile phone according to the mobile phone base station signal, and the base station latitude and longitude information is used as The check-in location information, in the transfer risk determination step, comparing the latitude and longitude information of the merchant as the merchant location information stored in the latitude and longitude of the mobile phone and the merchant database as the check-in location information, if the deviation between the two is within the specified range Then it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer. 如申請專利範圍第4項所述的POS終端的移機監控方法，其中，所述規定的定位方式包括：COO定位、TOA定位、TEOA定位。 The method for monitoring a shift of a POS terminal according to claim 4, wherein the specified positioning manner comprises: COO positioning, TOA positioning, and TEOA positioning. 如申請專利範圍第1至5項中任意一項所述的POS終端的移機監控方法，其中，所述規定的通信方式包括近距離無線傳輸方式、條碼 識別方式、聲波識別方式。 The method for monitoring a shift of a POS terminal according to any one of claims 1 to 5, wherein the prescribed communication method includes a short-range wireless transmission method and a barcode Recognition method, sound wave recognition method. 如申請專利範圍第6項所述的POS終端的移機監控方法，其中，所述條碼識別方式包括：條碼識別方式和二維碼識別方式。 The method for monitoring a transfer of a POS terminal according to claim 6, wherein the bar code identification method comprises: a bar code recognition mode and a two-dimensional code recognition mode. 如申請專利範圍第1至5項中任意一項所述的POS終端的移機監控方法，其中，在所述簽到資訊生成步驟中，POS終端動態生成簽到資訊。 The method for monitoring a transfer of a POS terminal according to any one of claims 1 to 5, wherein, in the check-in information generating step, the POS terminal dynamically generates the check-in information. 如申請專利範圍第8項所述的POS終端的移機監控方法，其中，在所述簽到資訊生成步驟中，設定POS終端生成的簽到資訊在規定時間內有效。 The method for monitoring a transfer of a POS terminal according to claim 8, wherein in the check-in information generating step, the check-in information generated by the POS terminal is set to be valid within a predetermined time. 如申請專利範圍第9項所述的POS終端的移機監控方法，其中，所述簽到資訊中還包括校驗資訊。 The method for monitoring the transfer of a POS terminal according to claim 9, wherein the check-in information further includes verification information. 一種POS終端的移機監控系統，包括：POS終端、手機、交易伺服器、移機風險判斷系統以及商戶檔案資料庫，POS終端，用於生成簽到資訊並且將生成的簽到資訊發送到下述交易伺服器；手機，用於以規定的通信方式從所述POS終端獲得所述簽到資訊，並且根據手機GPS定位獲得手機位置作為簽到位置資訊，將獲取的所述簽到資訊和所述簽到位置 資訊發送到下述交易伺服器；交易伺服器，用於接收從所述手機上傳的簽到資訊和簽到位置資訊，並且接收從所述POS終端上傳的簽到資訊，比較從所述POS終端上傳的簽到資訊與從手機上傳的簽到資訊是否一致，如果一致則將上述簽到資訊連同上述簽到位置資訊一起發送到下述移機風險判斷系統，否則返回簽到失敗；商戶資料庫，用於至少存儲的商戶位置資訊；以及移機風險判斷系統，用於比較從所述交易伺服器發送來的簽到位置資訊與根據所述簽到資訊從所述商戶資料庫中讀取的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 A POS terminal transfer monitoring system includes: a POS terminal, a mobile phone, a transaction server, a transfer risk determination system, and a merchant file database, and the POS terminal is configured to generate the check-in information and send the generated check-in information to the following transaction. a server; the mobile phone is configured to obtain the check-in information from the POS terminal in a prescribed communication manner, and obtain the mobile phone location as the check-in location information according to the mobile phone GPS positioning, and the obtained check-in information and the check-in location The information is sent to the following transaction server; the transaction server is configured to receive the check-in information and the check-in location information uploaded from the mobile phone, and receive the check-in information uploaded from the POS terminal, and compare the check-in uploaded from the POS terminal. The information is consistent with the check-in information uploaded from the mobile phone. If they are consistent, the above-mentioned check-in information is sent to the following transfer risk judgment system together with the above-mentioned check-in location information, otherwise the return check-in fails; the merchant database is used for at least the stored merchant location. And a transfer risk determination system for comparing the check-in location information sent from the transaction server with the merchant location information read from the merchant database according to the check-in information, if the deviation between the two is Within the prescribed range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer. 如申請專利範圍第11項所述的POS終端的移機監控系統，其中，所述手機利用GPS定位獲得手機的經緯度資訊作為所述簽到位置資訊，所述商戶資料庫作為商戶位置資訊存儲有商戶經緯度資訊，所述移機風險判斷系統比較作為所述簽到位置資訊的手機的經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The mobile station monitoring system of the POS terminal according to claim 11, wherein the mobile phone uses GPS positioning to obtain the latitude and longitude information of the mobile phone as the check-in location information, and the merchant database stores the merchant location information as a merchant. The latitude and longitude information, the transfer risk judging system compares the latitude and longitude information of the mobile phone as the check-in location information with the merchant latitude and longitude information stored as the merchant location information in the merchant database, and if the deviation between the two is within the prescribed range, the judgment is not There is a risk of transfer, otherwise it is judged that there is a risk of transfer. 一種POS終端的移機監控系統，包括：POS終端，用於生成簽到資訊並且將生成的簽到資訊 發送到下述交易伺服器，手機，用於以規定的通信方式從所POS終端獲得所述簽到資訊，並且所述手機利用下述的位置伺服器獲得包含當前POS終端所處位置的基站資訊作為簽到位置資訊，將獲取的所述簽到資訊和所述簽到位置資訊發送到下述交易伺服器；交易伺服器，用於接收從所述手機上傳的簽到資訊和簽到位置資訊，並且接收從所述POS終端上傳的簽到資訊，比較從所述POS終端上傳的簽到資訊與從手機上傳的簽到資訊是否一致，如果一致則將上述簽到資訊連同上述簽到位置資訊一起發送到下述移機風險判斷系統，否則返回簽到失敗；商戶資料庫，用於至少存儲的商戶位置資訊；基站位置資料庫，用於至少存儲基站位置；位置伺服器，用於根據手機信號獲取包含當前POS終端所處位置的基站資訊，並且根據該基站資訊從所述基站位置資料庫中讀出相應基站的基站位置資訊；以及移機風險判斷系統，用於比較從所述位置伺服器獲取的所述基站位置資訊與根據所述簽到資訊從所述商戶資料庫中讀取的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 A shift monitoring system for a POS terminal, comprising: a POS terminal, configured to generate check-in information and generate check-in information Sending to the following transaction server, the mobile phone, for obtaining the check-in information from the POS terminal in a prescribed communication manner, and the mobile phone uses the following location server to obtain the base station information including the location of the current POS terminal as Checking in the location information, sending the obtained check-in information and the check-in location information to a transaction server; the transaction server is configured to receive the check-in information and the check-in location information uploaded from the mobile phone, and receive from the The check-in information uploaded by the POS terminal compares whether the check-in information uploaded from the POS terminal is consistent with the check-in information uploaded from the mobile phone, and if yes, the check-in information is sent together with the check-in location information to the following transfer risk determination system. Otherwise, the check-in fails; the merchant database is used to store at least the location information of the merchant; the base station location database is used to store at least the location of the base station; and the location server is configured to obtain the base station information including the location of the current POS terminal according to the mobile phone signal. And reading corresponding information from the base station location database according to the base station information a base station location information of the station; and a transfer risk determination system, configured to compare the base station location information acquired from the location server with the location information of the merchant read from the merchant database according to the check-in information, if If the deviation between the two is within the specified range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer. 如申請專利範圍第8項所述的POS終端的移機監控系統，其中，所述位置伺服器根據所述簽到位置資訊從所述基站位 置資料庫中讀出相應基站的經緯度資訊作為所述簽到位置資訊，所述商戶資料庫作為商戶位置資訊存儲有商戶經緯度資訊，所述移機風險判斷系統比較作為所述簽到位置資訊的基站經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The transfer monitoring system of the POS terminal according to claim 8, wherein the location server is from the base station bit according to the check-in location information. The latitude and longitude information of the corresponding base station is read in the database as the check-in location information, the merchant database stores the merchant latitude and longitude information as the merchant location information, and the transfer risk judgment system compares the latitude and longitude of the base station as the check-in location information The latitude and longitude information of the merchants stored in the information and merchant database as the location information of the merchants, if the deviation between the two is within the specified range, it is judged that there is no risk of transfer, otherwise the risk of transfer is judged. 一種POS終端的移機監控系統，包括：POS終端，用於生成簽到資訊並且將生成的簽到資訊發送到下述交易伺服器，手機，用於以規定的通信方式從所POS終端獲得所述簽到資訊，所述手機利用下述位置伺服器獲得手機位置資訊作為簽到位置資訊，將獲取的所述簽到資訊和所述簽到位置資訊發送到下述交易伺服器；交易伺服器，用於接收從所述手機上傳的簽到資訊和簽到位置資訊，並且接收從所述POS終端上傳的簽到資訊，比較從所述POS終端上傳的簽到資訊與從手機上傳的簽到資訊是否一致，如果一致則將上述簽到資訊連同上述簽到位置資訊一起發送到下述移機風險判斷系統，否則返回簽到失敗；商戶資料庫，用於至少存儲的商戶位置資訊；基站位置資料庫，用於至少存儲基站位置；位置伺服器，用於根據手機的移動基站信號獲取手機 位置資訊；以及移機風險判斷系統，用於比較從所述交易伺服器發送來的所述簽到位置資訊與根據所述簽到資訊從所述商戶資料庫中讀取的商戶位置資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 A shift monitoring system for a POS terminal, comprising: a POS terminal, configured to generate check-in information and send the generated check-in information to a transaction server, the mobile phone, configured to obtain the check-in from the POS terminal in a prescribed communication manner Information, the mobile phone uses the location server to obtain the mobile phone location information as the check-in location information, and sends the obtained check-in information and the check-in location information to the following transaction server; the transaction server is configured to receive the information from the server The check-in information and the check-in location information uploaded by the mobile phone are received, and the check-in information uploaded from the POS terminal is received, and the check-in information uploaded from the POS terminal is compared with the check-in information uploaded from the mobile phone, and if the check-in information is consistent, the check-in information is the same. Together with the above-mentioned check-in location information, it is sent to the following transfer risk judgment system, otherwise the check-in fails; the merchant database is used for at least the stored merchant location information; the base station location database is used to store at least the base station location; the location server, Used to acquire a mobile phone based on the mobile base station signal of the mobile phone Location information; and a transfer risk determination system for comparing the check-in location information sent from the transaction server with the merchant location information read from the merchant database according to the check-in information, if both If the deviation is within the specified range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer. 如申請專利範圍第8項所述的POS終端的移機監控系統，其中，所述位置伺服器根據COO定位、TOA定位、TEOA定位中的任意一種確定手機的經緯度資訊作為簽到位置資訊，所述商戶資料庫作為商戶位置資訊存儲有商戶經緯度資訊，所述移機風險判斷系統比較作為所述簽到位置資訊的經緯度資訊與商戶資料庫中存儲的作為商戶位置資訊的商戶經緯度資訊，如果兩者的偏差在規定範圍內則判斷不存在移機風險，否則判斷存在移機風險。 The mobile station monitoring system of the POS terminal of claim 8, wherein the location server determines the latitude and longitude information of the mobile phone as the check-in location information according to any one of COO positioning, TOA positioning, and TEOA positioning. The merchant database stores the merchant latitude and longitude information as the merchant location information, and the transfer risk judgment system compares the latitude and longitude information as the check-in location information with the merchant latitude and longitude information stored in the merchant database as the merchant location information, if both If the deviation is within the specified range, it is judged that there is no risk of transfer, otherwise it is judged that there is a risk of transfer. 如申請專利範圍第11至16項中任意一項所述的POS終端的移機監控系統，其中，所述規定的通信方式包括近距離無線傳輸方式、條碼識別方式、聲波識別方式。 The mobile station monitoring system of the POS terminal according to any one of claims 11 to 16, wherein the predetermined communication mode comprises a short-range wireless transmission mode, a barcode recognition mode, and a sound wave recognition mode. 如申請專利範圍第17項所述的POS終端的移機監控系統，其中，所述條碼識別方式包括：條碼識別方式和二維碼識別方式。 The mobile station monitoring system of the POS terminal according to claim 17, wherein the bar code identification mode comprises: a bar code recognition mode and a two-dimensional code recognition mode. 如申請專利範圍第11至16項中任意一項所述的POS終端的移機監控系統，其中，所述POS終端用於動態生成簽到資訊並且設定POS終端生成的簽到資訊在規定時間內有效。 The POS terminal of the POS terminal according to any one of the preceding claims, wherein the POS terminal is configured to dynamically generate the check-in information and set the check-in information generated by the POS terminal to be valid within a predetermined time. 如申請專利範圍第19項所述的POS終端的移機監控系統，其中，所述POS終端具備用於生成包含簽到資訊的條碼或者二維碼的條碼生成單元。 The shift monitoring system of the POS terminal according to claim 19, wherein the POS terminal is provided with a barcode generating unit for generating a barcode or a two-dimensional code including the check-in information.
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