WO2018068587A1 - Procédé et système de notification de lieu de paiement, et serveur - Google Patents

Procédé et système de notification de lieu de paiement, et serveur Download PDF

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Publication number
WO2018068587A1
WO2018068587A1 PCT/CN2017/098792 CN2017098792W WO2018068587A1 WO 2018068587 A1 WO2018068587 A1 WO 2018068587A1 CN 2017098792 W CN2017098792 W CN 2017098792W WO 2018068587 A1 WO2018068587 A1 WO 2018068587A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
location information
location
mobile terminal
current
Prior art date
Application number
PCT/CN2017/098792
Other languages
English (en)
Chinese (zh)
Inventor
金鑫
Original Assignee
捷开通讯(深圳)有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 捷开通讯(深圳)有限公司 filed Critical 捷开通讯(深圳)有限公司
Publication of WO2018068587A1 publication Critical patent/WO2018068587A1/fr

Links

Classifications

    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

Definitions

  • the present invention relates to the field of communications technologies, and in particular, to a payment location notification method and system, and a server.
  • the embodiment of the invention provides a payment location notification method, system and server, which can timely know the risk situation and improve the user experience.
  • the present invention provides a payment location notification system, including: a server and a mobile terminal wirelessly connected to the server; wherein the server includes: a receiving module, configured to receive, when the payment is performed according to the payment information sent by the mobile terminal, the mobile terminal sends the Current location information, wherein the current location information indicates a payment location of the current payment; the determining module is connected to the receiving module, and is configured to determine whether the current location information is a common payment location; the sending module is connected to the determining module, and is used for the current location.
  • the information is a very useful payment location, and the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk; wherein the sending module is further configured to: send the notification short message to the preset number; and/or send the notification email to the pre-
  • the server further includes a payment module, and is connected to the receiving module and the determining module.
  • the payment module is configured to: if the determining module determines that the current location information is a common payment location, then the normal payment is performed.
  • the server further includes a statistics module, which is connected to the receiving module, and the statistics module is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location.
  • the present invention further provides a payment location notification method, comprising: receiving current location information sent by a mobile terminal when performing payment according to payment information sent by the mobile terminal, wherein the current location information indicates a current payment payment location; determining current location information Whether it is a common payment location; if the current location information is a very useful payment location, a notification message is sent to the mobile terminal to inform the user that there is a security risk in the current payment.
  • the step of sending the notification message to the mobile terminal includes: sending the notification message to the preset number; and/or sending the notification email to the preset mailbox.
  • the notification message or the notification email includes the current location information and the payment amount.
  • the method Before the step of determining whether the current location information is a common payment location, the method includes: collecting location information sent by the received mobile terminal and acquiring a common payment location.
  • the present invention further provides a server, comprising: a receiving module, configured to receive current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal, where the current location information indicates a payment location of the current payment; the determining module And the receiving module is connected to determine whether the current location information is a common payment location; the sending module is connected to the determining module, and is configured to send a notification message to the mobile terminal to notify the user that the current location information is a very useful payment location.
  • the secondary payment has a security risk.
  • the sending module is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address.
  • the server further includes a payment module, and is connected to the receiving module and the determining module.
  • the payment module is configured to: if the determining module determines that the current location information is a common payment location, then performing normal payment.
  • the server further includes a statistics module, which is connected to the receiving module, and the statistics module is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location.
  • the present invention has the beneficial effects that: when the payment is performed according to the payment information sent by the mobile terminal, the present invention receives the current location information sent by the mobile terminal; determines whether the current location information is a common payment location; if the current location information is very With the payment location, the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk, and the risk situation can be known in time, thereby improving the user experience.
  • FIG. 1 is a schematic flow chart of a payment location notification method according to a first embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a server according to a first embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a server according to a second embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a physical device of a server according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a payment location notification system according to an embodiment of the present invention.
  • FIG. 1 is a flow chart showing a payment location notification method according to a first embodiment of the present invention.
  • the payment location notification method is applied to the server.
  • the payment location notification method includes:
  • Step S10 Receive the current location information sent by the mobile terminal when the payment is performed according to the payment information sent by the mobile terminal, where the current location information indicates the payment location of the current payment.
  • step S10 related information for payment, such as current payment status of the current payment account, such as payment account number, amount, and the like, is also received at the same time, so that the user can know the payment situation in time.
  • related information for payment such as current payment status of the current payment account, such as payment account number, amount, and the like
  • Step S11 determining whether the current location information is a common payment location.
  • step S11 the received location information sent by the mobile terminal is collected and the common payment location is obtained. Specifically, the received location information sent by the mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location.
  • Step S12 If the current location information is a very useful payment location, send a notification message to the mobile terminal to inform the user that there is a security risk in the current payment.
  • step S12 if the current location information is a very useful payment location, the notification SMS is sent to the preset number; and/or the notification email is sent to the preset email address.
  • the notification message may be sent to one or more of the preset numbers corresponding to the mobile terminal, or the notification message may be sent to another number that does not correspond to the mobile terminal, which is not limited herein.
  • the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location. If the current location information is a common payment location, a normal payment is made.
  • the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
  • the user experience is improved.
  • the server 10 includes a receiving module 11, a determining module 12, and a sending module 13.
  • the receiving module 11 is configured to notify the user that the current secondary payment has a security risk to receive the current location information sent by the mobile terminal.
  • the current location information indicates the payment location of the current payment.
  • the determining module 12 is connected to the receiving module 11 for determining whether the current location information is a common payment location.
  • the sending module 13 is connected to the determining module 12, and is configured to send a notification message to the mobile terminal to notify the user that the current payment has a security risk if the current location information is a very useful payment location.
  • the receiving module 11 also receives relevant information for payment, such as the current payment status of the current payment account, such as a payment account number, an amount, etc., so that the user can know the payment situation in time.
  • relevant information for payment such as the current payment status of the current payment account, such as a payment account number, an amount, etc.
  • the sending module 13 is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address. Specifically, the sending module 13 may send the notification short message to one or more of the preset numbers corresponding to the mobile terminal, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, the sending module 13 can also send a notification email to a preset email address.
  • the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location.
  • the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
  • the user experience is improved.
  • the server 10 further includes a payment module 14 connected to the receiving module 11 and the determining module 12.
  • the payment module 14 is configured to: if the judgment module determines that the current location information is a common payment location, perform a normal payment.
  • the server 10 further includes a statistics module 15 coupled to the receiving module 11.
  • the statistics module 15 is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location. Specifically, the statistic module 15 stores the received location information sent by the mobile terminal and performs statistics, and sets the number of times the location information is received to be a common payment location.
  • the server 20 includes a receiver 21, a transmitter 22, a processor 23, a memory 24, and a data bus 25.
  • the receiver 21, the transmitter 22, the processor 23, and the memory 24 are connected via a data bus 25 for mutual communication.
  • the receiver 21 is configured to receive current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal.
  • the current location information indicates the payment location of the current payment.
  • the processor 22 is configured to determine whether the current location information is a common payment location. If the current location information is a very useful payment location, the sender 22 sends a notification message to the mobile terminal to inform the user that there is a security risk with the current payment.
  • the receiver 21 also receives related information for payment, such as the current payment status of the current payment account, such as a payment account number, an amount, etc., so that the user can know the payment situation in time.
  • related information for payment such as the current payment status of the current payment account, such as a payment account number, an amount, etc.
  • the sender 22 is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address. Specifically, the sender 22 may send the notification short message to one or more of the preset corresponding mobile terminals, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, the sender 22 can also send a notification email to a preset mailbox.
  • the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location.
  • the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
  • the user experience is improved.
  • the processor 23 determines whether the current location information is a common payment location, the location information sent by the received mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location. .
  • the location information is stored in the memory.
  • FIG. 5 is a schematic structural diagram of a payment location notification system according to an embodiment of the present invention.
  • the payment location notification system 30 includes the aforementioned server 10 and a mobile terminal 40 that is wirelessly communicatively coupled to the server 10.
  • the mobile terminal 40 acquires current location information when making a payment.
  • the mobile terminal 40 then transmits the current location information to the server 10, which determines whether the current location information is a common payment location. And when the current location information is a very useful payment location, the server 10 sends a notification message to the mobile terminal 40.
  • the mobile terminal 40 may be a mobile communication electronic device such as a mobile phone, an IPAD, or a notebook.
  • the mobile terminal 40 can pass the global positioning system (Global Positioning At least one of System, GPS, Cell-ID, and WiFi to obtain current location information.
  • the server 10 While receiving the current location information sent by the mobile terminal, the server 10 also receives relevant information for payment, such as the current payment status of the current payment account, such as a payment account, an amount, etc., so that the user can know the payment situation in time.
  • the server 10 counts the location information sent by the received mobile terminal and obtains the common payment location before determining whether the current location information is a common payment location. Specifically, the received location information sent by the mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location.
  • the server 10 sends a notification SMS to the preset number; and/or sends a notification email to the preset email address.
  • the server 10 may send the notification short message to one or more of the numbers corresponding to the preset mobile terminal, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein.
  • the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location. If the current location information is a common payment location, a normal payment is made.
  • the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
  • the user experience is improved.
  • the payment location notification method of the present invention includes: receiving current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal, wherein the current location information indicates a payment location of the current payment; determining the current location Whether the information is a common payment location; if the current location information is a very useful payment location, the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk, and the risk situation can be known in time, thereby improving the user experience.

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

Abstract

L'invention concerne un procédé et un système de notification de lieu de paiement, et un serveur. Le procédé de notification de lieu de paiement comporte les étapes consistant: suite à la réalisation d'un paiement selon des informations de paiement envoyées par un terminal mobile, à recevoir des informations de localisation actuelle envoyées par le terminal mobile, les informations de localisation actuelle indiquant le lieu d'un paiement actuel; à déterminer si le lieu indiqué par les informations de paiement actuelles est un lieu de paiement habituel; et si le lieu indiqué par les informations de paiement actuelles n'est pas un lieu de paiement habituel, envoyer un message de notification au terminal mobile pour notifier à un utilisateur un risque de sécurité associé au paiement actuel. Le procédé ci-dessus permet de déterminer en temps opportun un risque potentiel, améliorant ainsi l'agrément d'utilisation.
PCT/CN2017/098792 2016-10-14 2017-08-24 Procédé et système de notification de lieu de paiement, et serveur WO2018068587A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201610899843.9A CN106600258A (zh) 2016-10-14 2016-10-14 支付位置通知方法及系统、服务器
CN201610899843.9 2016-10-14

Publications (1)

Publication Number Publication Date
WO2018068587A1 true WO2018068587A1 (fr) 2018-04-19

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WO (1) WO2018068587A1 (fr)

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Publication number Priority date Publication date Assignee Title
CN107578238A (zh) * 2017-08-08 2018-01-12 阿里巴巴集团控股有限公司 一种风险控制方法及设备
CN110210864B (zh) * 2019-06-13 2021-12-07 深圳市永联共建信息技术有限公司 一种支付处理方法及系统
CN111031488B (zh) * 2019-12-17 2021-07-27 支付宝(杭州)信息技术有限公司 基于近场通信nfc的行程信息提示方法、装置、系统及终端

Citations (1)

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Publication number Priority date Publication date Assignee Title
CN102855555A (zh) * 2012-08-06 2013-01-02 北京中科金财电子商务有限公司 基于位置变换的支付风险识别系统和方法

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CN104574086A (zh) * 2014-12-29 2015-04-29 宇龙计算机通信科技(深圳)有限公司 一种支付方法、装置及终端
CN104657856A (zh) * 2015-03-11 2015-05-27 上海美迪索科电子科技有限公司 基于位置认证的智能移动客户端支付方法及服务器系统
CN105787728A (zh) * 2016-02-25 2016-07-20 努比亚技术有限公司 一种支付系统和方法

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102855555A (zh) * 2012-08-06 2013-01-02 北京中科金财电子商务有限公司 基于位置变换的支付风险识别系统和方法

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