WO2018205944A1 - 受理终端位置计算系统及其计算方法和位置计算模块 - Google Patents

受理终端位置计算系统及其计算方法和位置计算模块 Download PDF

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Publication number
WO2018205944A1
WO2018205944A1 PCT/CN2018/086112 CN2018086112W WO2018205944A1 WO 2018205944 A1 WO2018205944 A1 WO 2018205944A1 CN 2018086112 W CN2018086112 W CN 2018086112W WO 2018205944 A1 WO2018205944 A1 WO 2018205944A1
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Prior art keywords
terminal
location
information
location information
payment card
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English (en)
French (fr)
Inventor
童耀刚
郑建宾
周钰
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/52—Network services specially adapted for the location of the user terminal

Definitions

  • the present invention relates to a computer communication technology, and in particular to an acceptance terminal position calculation system and a calculation method capable of calculating a location of an acceptance terminal.
  • This method is only effective for trading devices that can be self-positioned such as POS machines;
  • the mobile phone positioning mode is single and unreliable: the mobile phone positioning information is located by GPS or signaling, and in reality, the POS machine is placed indoors, and the GPS positioning cannot be performed in this case;
  • the mobile phone needs to send a location request, but does not confirm the mobile phone number and join the secure transmission link, which is easy to forge;
  • the positioning system of the current POS business system and mobile phone needs to be associated, but the system does not have a way of designing the system and the mobile phone to interact, which increases the complexity of the business system design and reduces the practicability.
  • the present invention has been made in an effort to provide an acceptance terminal position calculation system and a calculation method for accurately calculating the position of an acceptance terminal.
  • the receiving terminal is configured to receive the payment request of the cardholder and transmit the receiving terminal information and the payment card information to the receiving terminal deployment mechanism described below;
  • a card issuing bank configured to provide a mobile phone number according to the payment card information
  • a device fingerprint database configured to perform device fingerprint marking on the mobile terminal and form a device information database, and obtain location information of the mobile terminal in real time corresponding to the mobile phone number of the mobile terminal;
  • a location calculation module configured to receive the receiving terminal information and the payment card information, and obtain a mobile phone number corresponding to the payment card information from the card issuing bank according to the payment card information, and use the mobile phone number to
  • the device fingerprint database obtains location information of the corresponding mobile terminal, calculates valid location information of the terminal according to the location information of the mobile terminal, and transmits the information to the terminal location library of the following terminal;
  • the terminal location library is accepted for storing valid location information of the terminal that is transmitted from the location calculation module.
  • the location calculation module has:
  • a receiving unit configured to receive the receiving terminal information and the payment card information
  • a retrieving unit configured to send the payment card information to the card issuing bank and receive a mobile phone number corresponding to the payment card information returned from the issuing bank;
  • a location information obtaining unit using the mobile phone number to obtain location information of the corresponding mobile terminal from the device fingerprint database
  • the location information calculation unit calculates the effective location information of the receiving terminal based on the location information and transmits the information to the terminal location library.
  • the location information calculation unit calculates a valid location of the acceptance terminal according to a large amount of location information acquired by a plurality of cardholders when the same terminal is operated.
  • the location information calculation unit includes:
  • the clustering algorithm sub-unit filters an abnormal outlier point for a large amount of location information acquired when a large number of cardholders operate on the same receiving terminal;
  • the K-center point algorithm sub-unit is used to calculate the effective position of the receiving terminal.
  • the clustering algorithm sub-unit filters and filters abnormal outliers in the following manner:
  • the local density ⁇ i can be obtained as follows:
  • d ij represents the distance between two points i and j
  • d c is a truncation distance
  • the distance ⁇ i ⁇ i from the target point to the high local density point can be obtained as follows:
  • the K-center point algorithm sub-unit calculates the center of the receiving terminal location circle by using the K-center point algorithm, and is regarded as accepting the terminal location.
  • the device fingerprint database acquires location information of the mobile terminal by using a specified positioning manner, where the specified positioning manner includes one or more of GPS positioning, Wi-Fi positioning, and base station positioning.
  • the location calculation module of the present invention is configured to calculate, according to location information of the mobile terminal, a valid location of the terminal that is operated by the user holding the mobile terminal, and is characterized by:
  • a receiving unit configured to receive the receiving terminal information and the payment card information
  • a calling unit configured to send the payment card information to a card issuing bank corresponding to the payment card, and receive a mobile phone number corresponding to the payment card information returned from the card issuing bank;
  • a location information obtaining unit that obtains location information of the mobile terminal corresponding to the mobile phone number from the outside by using the mobile phone number
  • the location information calculation unit calculates the effective location information of the terminal according to the location information.
  • the location information calculation unit calculates a valid location of the acceptance terminal according to a large amount of location information acquired by a plurality of cardholders when the same terminal is operated.
  • the location information calculation unit includes:
  • the clustering algorithm sub-unit filters an abnormal outlier point for a large amount of location information acquired when a large number of cardholders operate on the same receiving terminal;
  • the K-center point algorithm sub-unit calculates the effective position of the receiving terminal.
  • the clustering algorithm sub-unit filters and filters abnormal outliers in the following manner:
  • the local density ⁇ i can be obtained as follows:
  • d ij represents the distance between two points i and j
  • d c is a truncation distance
  • the distance ⁇ i ⁇ i from the target point to the high local density point can be obtained as follows:
  • the K-center point algorithm sub-unit calculates the center of the receiving terminal location circle by using the K-center point algorithm, and is regarded as accepting the terminal location.
  • the method for calculating a location of a terminal includes the following steps:
  • Receiving the information acquisition step acquiring the acceptance terminal information and the payment card information
  • the mobile terminal location obtaining step acquires the location information of the mobile terminal in real time according to the specified positioning method according to the mobile phone number;
  • the terminal location calculation step is performed, and the effective location of the acceptance terminal operated by the user holding the mobile terminal is calculated based on the location information of the mobile terminal.
  • the method further includes:
  • the terminal location storage step is stored, and the effective location information of the reception terminal calculated from the reception terminal location calculation step is stored.
  • the specified positioning manner includes one or more of GPS positioning, Wi-Fi positioning, and base station positioning.
  • the effective location of the receiving terminal is calculated according to a large amount of location information acquired by a plurality of cardholders when the same receiving terminal operates.
  • the step of calculating the terminal location includes:
  • the clustering algorithm sub-steps filter abnormal location outliers for a large amount of location information obtained when a large number of cardholders operate on the same receiving terminal;
  • the K center point algorithm substep calculates the effective position of the receiving terminal.
  • the mobile phone number is reserved based on the device fingerprint database and the bank card, and the position of the card and the payment device is linked, thereby enabling the use of the mobile phone Positioning the location of the card;
  • the location calculation module uses the big data processing technology to calculate the location of the receiving terminal, and the result is accurate;
  • the location information is implicitly obtained through the device fingerprint database, and the user is not required to actively perform other verification links to ensure the user experience;
  • the location information is based on the comparison of the location of the payment device with the location of the receiving terminal, thereby enhancing the secure use of the bank card, thereby improving the security of the bank card.
  • Fig. 1 is a block diagram showing the configuration of a receiving terminal position calculating system of the present invention.
  • Fig. 2 is a configuration diagram of a position calculation module 500 in the acceptance terminal position calculation system of the present invention.
  • FIG. 3 is a schematic diagram of calculating the effective position of the receiving terminal based on a large amount of position information acquired by a large number of cardholders when operating the same receiving terminal.
  • Fig. 4 is a view showing the distribution of the sampling points of the terminal position.
  • FIG. 5 is a block diagram showing the configuration of the position information calculation unit 540.
  • Fig. 1 is a block diagram showing the configuration of a receiving terminal position calculating system of the present invention.
  • the reception terminal location calculation system of the present invention includes an acceptance terminal 100, a reception terminal placement mechanism 200, a card issuance line 300, a device fingerprint library 400, a position calculation module 500, and an acceptance terminal location library 600.
  • the receiving terminal 100 may be a POS terminal, an ATM device, or another available physical card or virtual card for payment, and the receiving terminal 100 accepts a payment request made by the cardholder using the physical card or the virtual card and accepts the acceptance of the receiving terminal 100.
  • the terminal information and the payment card information of the physical card or the virtual card regarding the use of the card holder are transmitted to the receiving terminal distribution mechanism 200.
  • the receiving terminal information may be, for example, an accepting terminal identification number for uniquely identifying the receiving terminal, and the payment card information is an identifier for uniquely identifying the physical card or the virtual card used by the card holder, and may be, for example, a card number.
  • the receiving terminal distribution mechanism 200 is configured to receive at least information such as the terminal information and the payment card information from the receiving terminal 100, and forward the information such as the terminal information and the payment card information to the position calculating module 400.
  • the card issuing line 300 is configured to provide a mobile phone number corresponding to the payment card information according to the payment card information, for example, providing a mobile phone number bound to the card number according to the card number of the physical card or the virtual card (generally, the cardholder is issuing the card) Line reserved mobile number).
  • the device fingerprint database 400 is configured to perform device fingerprint marking on the mobile terminal and form a device information database, and acquire the location information of the mobile terminal in real time corresponding to the mobile phone number of the mobile terminal.
  • the device fingerprint database 400 is a device information comprehensive library formed by performing fingerprint labeling on existing mobile terminals, and has the characteristics of real-time collection and rich information.
  • the device fingerprint database is implicitly acquired by the APP or SDK (Software Development Kit), and the device fingerprint database is established by the user.
  • the mobile phone number and location information of the device fingerprint library 400 are required in the present invention.
  • the implicit acquisition of location information refers to a method for obtaining location information relative to the user's initiative to provide location.
  • the mobile terminal described in the text is used for positioning and background calculation, and the user must actively participate.
  • the device fingerprint library 400 has the following three methods for acquiring the location of the mobile terminal: (1) mobile phone GPS positioning; (2) Wi-Fi positioning; and (3) base station positioning.
  • the accuracy of the above three positioning methods is successively decreased, the GPS positioning accuracy is about 10m, the Wi-Fi positioning accuracy is about 20m, and the positioning accuracy of the base station positioning is about 200m.
  • the three methods have their own drawbacks, among which GPS positioning accuracy is the highest, but it is not available indoors; Wi-Fi positioning requires users to turn on Wi-Fi and connect nearby Wi-Fi with moderate accuracy.
  • Base station positioning is not affected by the use environment, but the accuracy is low.
  • the device fingerprint database 400 comprehensively utilizes the positioning information acquired by the three methods to obtain an optimal position of the device. According to the advantages and disadvantages of the above three methods, the optimal positioning information is calculated by using the weight calculation method according to different environments.
  • the location calculation module 500 is configured to receive the acceptance terminal information and the payment card information from the acceptance terminal deployment mechanism 200, and retrieve the mobile phone number corresponding to the payment card information from the card issuing bank 300 according to the payment card information, and use the mobile phone number from the device fingerprint database 600.
  • the location information of the corresponding mobile terminal is obtained, and the effective location information of the receiving terminal 100 is calculated based on the location information of the mobile terminal and transmitted to the receiving terminal location library 600.
  • the reception terminal location library 600 is for storing the effective location information of the reception terminal transmitted from the location calculation module 500.
  • Fig. 2 is a configuration diagram of a position calculation module 500 in the acceptance terminal position calculation system of the present invention.
  • the location calculation module 500 is provided with:
  • the receiving unit 510 is configured to receive the receiving terminal information and the payment card information from the receiving terminal deployment mechanism 200;
  • the retrieving unit 520 is configured to send the payment card information obtained by the receiving unit to the card issuing line 300 and receive the mobile phone number corresponding to the payment card information returned from the card issuing line 300;
  • the location information obtaining unit 530 obtains the location information of the corresponding mobile terminal from the device fingerprint library 400 by using the mobile phone number;
  • the position information calculation unit 540 calculates the effective position information of the acceptance terminal based on the position information acquired by the position information acquisition unit 530, and transmits the information to the acceptance terminal location library 600.
  • the location information calculation unit 540 calculates the effective location of the conference terminal based on a large amount of location information acquired by a large number of cardholders when the same terminal is operated.
  • FIG. 3 is a schematic diagram of calculating the effective position of the receiving terminal based on a large amount of position information acquired by a large number of cardholders when operating the same receiving terminal.
  • the cardholder carries the mobile terminal with him, so the location address of the mobile terminal can be regarded as the location of the receiving terminal.
  • the location information calculation unit 540 (not shown in FIG. 3) calculates the position of these mobile terminals as the position information of the receiving terminal to obtain the effective validity of the receiving terminal.
  • the location is stored in the terminal location library 600.
  • Fig. 4 is a view showing the distribution of the sampling points of the terminal position.
  • the position distribution has the following characteristics: (1) the position of the absolute number is around the ATM of the actual receiving terminal; (2) the position of the other small part is an abnormal outlier, scattered and distributed, and has no regularity.
  • the position information calculation unit 500 performs calculation.
  • FIG. 5 is a block diagram showing the configuration of the position information calculation unit 540.
  • the location information calculation unit 540 includes: a clustering algorithm sub-unit 541, filtering an abnormal outlier point and outputting a first calculation result for a large amount of location information acquired when a large number of cardholders operate on the same receiving terminal.
  • the K-center point algorithm sub-unit 542 calculates the effective position of the receiving terminal from the first calculation result.
  • the location information calculation unit 540 performs calculation in two major steps using the clustering algorithm sub-unit 541 and the K-center point algorithm sub-unit 542.
  • the clustering algorithm sub-unit 541 adopts a clustering algorithm to gather the points around the location of the receiving terminal 100 to form an "accepting terminal location circle", and filter out those abnormal outliers.
  • the assumption of the algorithm is that the real terminal 100 and the abnormal outlier belong to different position circles, and the center of each circle is surrounded by points with low local density, and these points are away from other points with high local density. The distance is relatively large. Then the local density ⁇ i can be obtained as follows:
  • d ij represents the distance between two points i and j
  • d c is a truncation distance, which is adjusted according to the actual device fingerprint position distribution.
  • the above function is a threshold calculation function, and when x is less than 0, it is 1, and when x is greater than 0, it is 0.
  • the K-center point algorithm sub-unit 542 calculates the center of the "accepting terminal position circle" by the K-center point algorithm (k-mediods), and considers the terminal position as the acceptance terminal, and extracts a similar threshold d for judging the current mobile phone position. Whether it is within the scope of the "location circle" of the terminal. It is selected from the acceptance terminal of the cluster, and the selected criterion is that the cluster can be clustered when the point becomes a new calculation point. When the calculation points of all clusters are not changing, the cluster is considered to be over. If a certain point becomes a mass point and the absolute error is smaller than the absolute error of the original point, then the point can be considered as a substitute for the mass point. The final calculated mass point is the acceptance terminal location.
  • the final acceptance terminal location point can achieve sufficient accuracy.
  • the acceptance terminal identifier is used as the reception terminal information
  • the card number is used as the payment card information.
  • the method for calculating the terminal location includes the following steps:
  • Step 1 The cardholder operates the receiving terminal 100 using its own physical card or using the virtual card of the mobile phone, and the receiving terminal 100 sends the card number to the receiving terminal deployment mechanism 200;
  • Step 2 The receiving terminal deployment mechanism 200 sends the card number and the acceptance terminal identifier to the location calculation module 500;
  • Step 3 The location calculation module 500 requests the card issuer 300 to reserve a mobile phone number according to the card number;
  • Step 4 The card issuing bank 300 feeds back the reserved mobile phone number corresponding to the card number to the location calculating module 500;
  • Step 5 The location calculation module 500 requests the device fingerprint database 400 to query the location information of the mobile phone corresponding to the reserved mobile phone number according to the reserved mobile phone number;
  • Step 6 The device fingerprint database 400 uses the specified positioning method to obtain the location information of the handset corresponding to the reserved mobile phone number and feeds back to the location calculation module 500;
  • Step 7 The location calculation module 500 calculates the effective location information of the acceptance terminal according to the large amount of location information acquired by the cardholder when the terminal operator operates the terminal, and uploads it to the terminal location repository 600.
  • the specified positioning manner includes one or more of GPS positioning, Wi-Fi positioning, and base station positioning.
  • the step 7 includes: a clustering algorithm sub-step, filtering an abnormal outlier point and outputting a first calculation result for a large amount of position information acquired when a large number of cardholders operate on the same receiving terminal; K center point algorithm Step: Calculate a valid location of the receiving terminal from the first calculation result.
  • a clustering algorithm sub-step filtering an abnormal outlier point and outputting a first calculation result for a large amount of position information acquired when a large number of cardholders operate on the same receiving terminal
  • K center point algorithm Step Calculate a valid location of the receiving terminal from the first calculation result.
  • the terminal location calculation system and the terminal location calculation method of the present invention the following technical effects can be brought about: (1) Retaining the mobile phone number based on the device fingerprint database and the bank card, and associating the location of the card and the payment device Therefore, the location of the card can be located by using the position of the mobile phone; (2) the location calculation module 500 calculates the location of the terminal by using the big data processing technology, and the result is accurate; (3) the location information is implicitly obtained through the device fingerprint library 400, and is not required.
  • the user actively carries out other verification links to ensure the user experience; (4) Based on the acquired location information, based on the comparison of the location of the payment device and the location of the receiving terminal, the secure use of the bank card is enhanced, thereby improving the security of the bank card.

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Abstract

本发明涉及一种受理终端位置计算系统及其方法。该系统具备：受理终端，用于将受理终端信息和支付卡信息发送到受理终端布放机构；受理终端布放机构，转发受理终端信息和支付卡信息到的位置计算模块；发卡行，用于根据支付卡信息提供手机号码；设备指纹库，用于根据移动终端的手机号码实时获取该移动终端的位置信息；位置计算模块，根据移动终端的位置信息计算该受理终端的有效位置信息；以及受理终端位置库，用于存储从受理终端的有效位置信息。根据本发明，能够利用大数据技术对受理终端的位置进行计算，结果准确、可靠，利用本发明能够加强银行卡的安全性。

Description

受理终端位置计算系统及其计算方法和位置计算模块 技术领域
本发明涉及计算机通讯技术，具体地涉及一种能够计算受理终端位置的受理终端位置计算系统以及计算方法。
背景技术
现有的受理终端如POS机、ATM等多数尚不具备自定位功能，虽然部分智能终端具有自定位功能，但是使用者可以通过修改相关参数实现定位信息的伪造。
现有技术中，已经存在利用手机位置进行定位的方法，但是由于服务器不能直接获取手机位置，实际并不可行。
作为现有技术，如中国专利申请号CN201210501311.7，专利名称为：“基于位置的支付安全监控方法”的中国专利所公开的，针对POS机交易场景下的支付安全进行监控。
在该现有技术的专利申请中还具有以下问题：
1、使用范围小：该方法仅针对POS机这类能够自定位的交易设备有效；
2、手机定位方式单一且不可靠：手机定位信息采用GPS或者信令进行定位，实际中POS机多放置于室内，该情况无法进行GPS定位不具有适用性；
3、需要手机发送位置请求，但没有对于手机号进行确认和加入安全传输环节，易于伪造；
4、需要关联当前POS业务系统和手机的定位系统，但该系统并没有设计系统和手机交互的方式，增加了业务系统设计的复杂性，降低了实用性。
发明内容
鉴于上述问题，本发明旨在提供一种准确地计算得到受理终端位置的受理终端位置计算系统以及计算方法。
本发明的受理终端位置计算系统，其特征在于，具备：
受理终端，用于受理持卡人的支付请求并且将受理终端信息和 支付卡信息发送到下述的受理终端布放机构；
受理终端布放机构，用于从所述受理终端接收所述受理终端信息和支付卡信息并且将所述受理终端信息和所述支付卡信息转发到下述的位置计算模块；
发卡行，用于根据所述支付卡信息提供手机号码；
设备指纹库，用于对于移动终端进行设备指纹标记并形成设备信息库，并且对应于移动终端的手机号码实时获取该移动终端的位置信息；
位置计算模块，用于接收所述受理终端信息和所述支付卡信息，并且根据所述支付卡信息从所述发卡行获取对应于所述支付卡信息的手机号码，利用所述手机号码从所述设备指纹库获得对应的移动终端的位置信息，根据移动终端的位置信息计算该受理终端的有效位置信息并传送到下述的受理终端位置库；以及
受理终端位置库，用于存储从所述位置计算模块传送来的受理终端的有效位置信息。
可选地，所述位置计算模块具备：
接收单元，用于接收所述受理终端信息和所述支付卡信息；
调取单元，用于将所述支付卡信息发送到所述发卡行并接收从所述发卡行返回的对应于所述支付卡信息的手机号码；
位置信息获取单元，利用所述手机号码从所述设备指纹库获得对应的移动终端的位置信息；以及
位置信息计算单元，根据所述位置信息计算该受理终端的有效位置信息并传送到所述受理终端位置库。
可选地，所述位置信息计算单元根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算该受理终端的有效位置。
可选地，所述位置信息计算单元包括：
聚类算法子单元，对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点；以及
K中心点算法子单元，用于计算该受理终端的有效位置。
所述聚类算法子单元采用下述方式过滤过滤异常离群点：
假设是真实的受理终端位置点和异常离群点分别属于不同的位置圈，每个位置圈的中心由局部密度低的点围绕，同时这些位置点距离其他高局部密度的点的距离都比较大，则局部密度ρi可以如下式这样求得：
Figure PCTCN2018086112-appb-000001
其中，函数
Figure PCTCN2018086112-appb-000002
其中，d ij表示i和j两个点之间的距离，d c是一个截断距离，目标点到高局部密度点的距离δ iδ i可以如下式这样求得：
Figure PCTCN2018086112-appb-000003
可选地，所述K中心点算法子单元利用K中心点算法计算受理终端位置圈的中心，视为受理终端位置。
可选地，所述设备指纹库利用规定的定位方式获取移动终端的位置信息，其中，所述规定的定位方式包括GPS定位、Wi-Fi定位、基站定位中的一种或者多种。
本发明的位置计算模块，用于根据移动终端的位置信息计算该持有该移动终端的用户所操作的受理终端的有效位置，其特征在于，具备：
接收单元，用于接收受理终端信息和支付卡信息；
调取单元，用于将所述支付卡信息发送到与该支付卡对应的发卡行并接收从发卡行返回的对应于所述支付卡信息的手机号码；
位置信息获取单元，利用所述手机号码从外部获得对应与该手机号码的移动终端的位置信息；以及
位置信息计算单元，根据所述位置信息计算该受理终端的有效位置信息。
可选地，所述位置信息计算单元根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算该受理终端的有效位置。
可选地，所述位置信息计算单元包括：
聚类算法子单元，对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点；以及
K中心点算法子单元，计算该受理终端的有效位置。
所述聚类算法子单元采用下述方式过滤过滤异常离群点：
假设是真实的受理终端位置点和异常离群点分别属于不同的位置圈，每个位置圈的中心由局部密度低的点围绕，同时这些位置点距离其他高局部密度的点的距离都比较大，则局部密度ρi可以如下式这样求得：
Figure PCTCN2018086112-appb-000004
其中，函数
Figure PCTCN2018086112-appb-000005
其中，d ij表示i和j两个点之间的距离，d c是一个截断距离，目标点到高局部密度点的距离δ iδ i可以如下式这样求得：
Figure PCTCN2018086112-appb-000006
可选地，所述K中心点算法子单元利用K中心点算法计算受理终端位置圈的中心，视为受理终端位置。
本发明的受理终端位置计算方法，其特征在于，包括下述步骤：
受理信息获取步骤，获取受理终端信息和支付卡信息；
手机号码获取步骤，根据所述支付卡信息获取与支付卡对应的 手机号码；
移动终端位置获取步骤，根据手机号码按照规定的定位方法实时获取该移动终端的位置信息；以及
受理终端位置计算步骤，根据移动终端的位置信息计算持有该移动终端的用户所操作的受理终端的有效位置。
可选地，在所述受理终端位置计算步骤之后还具备：
受理终端位置存储步骤，存储从由所述受理终端位置计算步骤计算获得的受理终端的有效位置信息。
可选地，在所述移动终端位置获取步骤中，所述规定的定位方式包括GPS定位、Wi-Fi定位、基站定位中的一种或者多种。
可选地，所述受理终端位置计算步骤中，根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算该受理终端的有效位置。
可选地，在所述受理终端位置计算步骤中包括：
聚类算法子步骤，对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点；
K中心点算法子步骤，计算该受理终端的有效位置。
根据本发明的受理终端位置计算系统以及受理终端位置计算方法，能够带来以下技术效果：基于设备指纹库与银行卡预留手机号，将卡片和支付设备的位置联系起来，由此能够利用手机的位置定位卡片的位置；位置计算模块利用大数据处理技术计算受理终端位置，结果准确；通过设备指纹库隐式获得位置信息，不需要用户主动进行其他验证环节，保障了用户体验；针对获取的位置信息，基于支付设备位置与受理终端位置比对，加强了银行卡的安全使用，由此提高银行卡的安全性。
附图说明
图1是表示本发明的受理终端位置计算系统的构造框图。
图2是本发明的受理终端位置计算系统中的位置计算模块500的构造图。
图3是表根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算受理终端的有效位置的示意图。
图4表示受理终端位置采样点的分布图。
图5是表示位置信息计算单元540的构造框图。
具体实施方式
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。
图1是表示本发明的受理终端位置计算系统的构造框图。
如图1所示，本发明的受理终端位置计算系统具备：受理终端100、受理终端布放机构200、发卡行300、设备指纹库400、位置计算模块500以及受理终端位置库600。
其中，受理终端100可以是POS终端、ATM设备或者其他可用实体卡或者虚拟卡进行支付的设备，受理终端100受理持卡人利用实体卡或者虚拟卡进行的支付请求并且将将受理终端100的受理终端信息、以及有关持卡人的使用的实体卡或者虚拟卡的支付卡信息发送到受理终端布放机构200。其中，受理终端信息例如可以是用于唯一地标识受理终端的受理终端标识号等，支付卡信息是用于唯一地标识持卡人使用的实体卡或虚拟卡的标识，例如可以是卡号。
受理终端布放机构200至少用于从受理终端100接收受理终端信息和支付卡信息等的信息并且将受理终端信息和支付卡信息等的信息转发到位置计算模块400。
发卡行300用于根据所述支付卡信息提供与该支付卡信息对应的手机号码，例如，根据实体卡或者虚拟卡的卡号提供与该卡号绑定的手机号码(一般是指持卡人在发卡行预留的手机号码)。设备指纹库400用于对于移动终端进行设备指纹标记并形成设备信息库，并且对应于移动终端的手机号码实时获取该移动终端的位置信息。设备指纹库400是对现有移动终端进行设备指纹标记后形成的一个设备信息综合库，具有实时采集、信息量丰富等特点。在移 动终端中，通过APP或者SDK(软件开发工具包，Software Development Kit)，在用户允许的情况下，隐式获取设备信息，从而建立设备指纹库。在本发明中需要用到设备指纹库400的手机号码和位置信息。隐式获取位置信息是指相对用户主动提供位置的一种获取位置信息的方法，通过文中描述的手机终端来定位并后台计算，必须要用户主动参与。
在本发明中，设备指纹库400对于移动终端位置的获取，共有以下三种方式：(1)手机GPS定位；(2)Wi-Fi定位；以及(3)基站定位。
以上三种定位方式的精度依次递减，GPS定位精度在10m左右，Wi-Fi定位精度在20m左右，基站定位的定位精度在200m左右。三种方法各有弊端，其中GPS定位精度最高，但是在室内无法获取；Wi-Fi定位需要用户开启Wi-Fi并且连接上附近的Wi-Fi，精度适中。基站定位不受使用环境影响，但是精度低。
通过设备指纹库400综合利用这三种方法获取的定位信息进行从而得出设备的最优位置。根据上述提到的三种方法的优缺点，依据不同环境，采取权重计算的方式计算最优定位信息。
位置计算模块500用于从受理终端布放机构200接收受理终端信息和支付卡信息，并且根据支付卡信息从发卡行300调取对应于支付卡信息的手机号码，利用手机号码从设备指纹库600获得对应的移动终端的位置信息，根据移动终端的位置信息计算该受理终端100的有效位置信息并传送到受理终端位置库600。
受理终端位置库600用于存储从位置计算模块500传送来的受理终端的有效位置信息。
接着，对于本发明的受理终端位置计算系统中的位置计算模块500进行说明。
图2是本发明的受理终端位置计算系统中的位置计算模块500的构造图。
如图2所示，位置计算模块500具备：
接收单元510，用于从受理终端布放机构200接收受理终端信息和支付卡信息；
调取单元520，用于将所述接收单元获得的支付卡信息发送到 发卡行300并接收从发卡行300返回的对应于所述支付卡信息的手机号码；
位置信息获取单元530，利用手机号码从设备指纹库400获得对应的移动终端的位置信息；以及
位置信息计算单元540，根据由所述位置信息获取单元530获取的位置信息计算该受理终端的有效位置信息并传送到受理终端位置库600。
位置信息计算单元540根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算该受理终端的有效位置。
图3是表根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算受理终端的有效位置的示意图。
一般持卡人会随身带着移动终端，因此能够把移动终端的定位地址看作是该受理终端的位置。如图3所示，大量持卡人在ATM机700进行操作，位置信息计算单元540(图3中省略图示)将这些移动终端的位置作为该受理终端的位置信息进行计算得到受理终端的有效位置并存储到受理终端位置库600。
接着，对于位置信息计算单元540如何进行受理终端的有效位置计算进行具体说明。
图4表示受理终端位置采样点的分布图。
如图4所示，位置分布具有如下特征：(1)占绝对数量的位置点在实际受理终端即ATM周围；(2)其他小部分的位置点为异常离群点，散乱分布，没有规律。
根据对于图4所示的分布情况，位置信息计算单元500进行计算。
图5是表示位置信息计算单元540的构造框图。
如图5所示，位置信息计算单元540包括：聚类算法子单元541，对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点并输出第一计算结果；K中心点算法子单元542，从所述第一计算结果中计算该受理终端的有效位置。
具体地，位置信息计算单元540利用聚类算法子单元541和K中心点算法子单元542分两大步骤进行计算。
第一步，聚类算法子单元541采用聚类算法，将受理终端100位置点周围点聚在一起形成“受理终端位置圈”，过滤掉那些异常离群点。
该算法的假设是真实的受理终端100位置点和异常离群点分别属于不同的位置圈，每个位置圈的中心由局部密度低的点围绕，同时这些位置点距离其他高局部密度的点的距离都比较大。则局部密度ρ i可以如下式这样求得：
Figure PCTCN2018086112-appb-000007
其中，函数
Figure PCTCN2018086112-appb-000008
这里，d ij表示i和j两个点之间的距离，d c是是一个截断距离，依据实际设备指纹位置分布进行调节。其中，上述函数为阈值计算函数，x小于0时为1，x大于0时为0。
由于该算法只对ρ i的相对值敏感，因此对d c的选择较为鲁棒，可选的，选择d c，使得每个点平均的邻位点数为所有点的1％-2％。目标点到高局部密度点的距离δ iδ i可以如下式这样求得：
Figure PCTCN2018086112-appb-000009
第二步，K中心点算法子单元542通过K中心点算法(k-mediods)计算“受理终端位置圈”的中心，视为受理终端位置，并提取出相近阈值d，用于判断当前手机位置是否在此受理终端“位置圈”范围内。从聚类的受理终端中选取，而选取的标准是当该点成为新的计算点后能提高类簇的聚。当所有的类簇的计算点都不在发生变化时，即认为聚类结束。如果某位置点成为质点之后，绝对误差小于原质点的绝对误差，那么认为该点可以取代质点。最 终计算出的质点即为受理终端位置。
绝对误差计算公式为：
Figure PCTCN2018086112-appb-000010
其中，p为位置点，oj为受理终端圈中的质点。
实际中随着采样数据点的不断扩大，最后的受理终端位置点可以达到足够的要求精度。
以上对于本发明的受理终端位置计算系统进行了说明。
接着，参照图1对于利用本发明的受理终端位置计算系统实现的一个实施方式的受理终端位置计算方法进行说明。在该实施方式中，作为受理终端信息采用受理终端标识、作为支付卡信息采用卡号。
如图1所示，受理终端位置计算方法包括下述步骤：
步骤1：持卡人在受理终端100使用自己的实体卡或者使用手机的虚拟卡进行操作，受理终端100发送卡号到受理终端布放机构200；
步骤2：受理终端布放机构200将卡号、受理终端标识发送给位置计算模块500；
步骤3：位置计算模块500根据卡号向发卡行300请求预留手机号；
步骤4：发卡行300反馈与卡号对应的预留手机号到位置计算模块500；
步骤5：位置计算模块500依据预留手机号向设备指纹库400请求查询预留手机号对应手机的位置信息；
步骤6：设备指纹库400利用规定的定位方法获取预留手机号对应手机的位置信息并反馈给位置计算模块500；
步骤7：位置计算模块500针对同一个受理终端标识，根据大量持卡人受理终端操作时获取的大量位置信息计算该受理终端有效位置信息并上传到受理终端位置库600。
在所述步骤6中，所述规定的定位方式包括GPS定位、Wi-Fi 定位、基站定位中的一种或者多种。
在所述步骤7中包括：聚类算法子步骤，对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点并输出第一计算结果；K中心点算法子步骤，从所述第一计算结果中计算该受理终端的有效位置。具体计算步骤可参见上文中的“第一步”和“第二步”。
如上所述，根据本发明的受理终端位置计算系统以及受理终端位置计算方法，能够带来以下技术效果：(1)基于设备指纹库与银行卡预留手机号，将卡片和支付设备的位置联系起来，由此能够利用手机的位置定位卡片的位置；(2)位置计算模块500利用大数据处理技术计算受理终端位置，结果准确；(3)通过设备指纹库400隐式获得位置信息，不需要用户主动进行其他验证环节，保障了用户体验；(4)针对获取的位置信息，基于支付设备位置与受理终端位置比对，加强了银行卡的安全使用，由此提高银行卡的安全性。
以上例子主要说明了本发明的受理终端位置计算系统以及受理终端位置计算方法。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (17)

  1. 一种受理终端位置计算系统，其特征在于，具备：
    受理终端，用于受理持卡人的支付请求并且将受理终端信息和支付卡信息发送到下述的受理终端布放机构；
    受理终端布放机构，用于从所述受理终端接收所述受理终端信息和支付卡信息并且将所述受理终端信息和所述支付卡信息转发到下述的位置计算模块；
    发卡行，用于根据所述支付卡信息提供手机号码；
    设备指纹库，用于对于移动终端进行设备指纹标记并形成设备信息库，并且对应于移动终端的手机号码实时获取该移动终端的位置信息；
    位置计算模块，用于接收所述受理终端信息和所述支付卡信息，并且根据所述支付卡信息从所述发卡行获取对应于所述支付卡信息的手机号码，利用所述手机号码从所述设备指纹库获得对应的移动终端的位置信息，根据移动终端的位置信息计算该受理终端的有效位置信息并传送到下述的受理终端位置库；以及
    受理终端位置库，用于存储从所述位置计算模块传送来的受理终端的有效位置信息。
  2. 如权利要求1所述的受理终端位置计算系统，其特征在于，
    所述位置计算模块具备：
    接收单元，用于接收所述受理终端信息和所述支付卡信息；
    调取单元，用于将所述支付卡信息发送到所述发卡行并接收从所述发卡行返回的对应于所述支付卡信息的手机号码；
    位置信息获取单元，利用所述手机号码从所述设备指纹库获得对应的移动终端的位置信息；以及
    位置信息计算单元，根据所述位置信息计算该受理终端的有效位置信息并传送到所述受理终端位置库。
  3. 如权利要求2所述的受理终端位置计算系统，其特征在于，
    所述位置信息计算单元根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算该受理终端的有效位置。
  4. 如权利要求3所述的受理终端位置计算系统，其特征在于，
    所述位置信息计算单元包括：
    聚类算法子单元，用于对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点；以及
    K中心点算法子单元，用于计算该受理终端的有效位置。
  5. 如权利要求4所述的受理终端位置计算系统，其特征在于，
    所述聚类算法子单元采用下述方式过滤过滤异常离群点：
    假设是真实的受理终端位置点和异常离群点分别属于不同的位置圈，每个位置圈的中心由局部密度低的点围绕，同时这些位置点距离其他高局部密度的点的距离都比较大，则局部密度ρi可以如下式这样求得：
    Figure PCTCN2018086112-appb-100001
    其中，函数
    Figure PCTCN2018086112-appb-100002
    其中，d ij表示i和j两个点之间的距离，d c是一个截断距离，目标点到高局部密度点的距离δ iδ i可以如下式这样求得：
    Figure PCTCN2018086112-appb-100003
  6. 如权利要求4所述的受理终端位置计算系统，其特征在于，
    所述K中心点算法子单元利用K中心点算法计算受理终端位置圈的中心，视为受理终端位置。
  7. 如权利要求1所述的受理终端位置计算系统，其特征在于，
    所述设备指纹库利用规定的定位方式获取移动终端的位置信息，其中，所述规定的定位方式包括GPS定位、Wi-Fi定位、基站定位中的一种或者多种。
  8. 一种位置计算模块，用于根据移动终端的位置信息计算该持有该移动终端的用户所操作的受理终端的有效位置，其特征在于，具备：
    接收单元，用于接收受理终端信息和支付卡信息；
    调取单元，用于将所述支付卡信息发送到与该支付卡对应的发卡行并接收从发卡行返回的对应于所述支付卡信息的手机号码；
    位置信息获取单元，利用所述手机号码从外部获得对应与该手机号码的移动终端的位置信息；以及
    位置信息计算单元，根据所述位置信息计算该受理终端的有效位置信息。
  9. 如权利要求8所述的位置计算模块，其特征在于，
    所述位置信息计算单元根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算该受理终端的有效位置。
  10. 如权利要求9所述的位置计算模块，其特征在于，
    所述位置信息计算单元包括：
    聚类算法子单元，对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点；以及
    K中心点算法子单元，用于计算该受理终端的有效位置。
  11. 如权利要求10所述的位置计算模块，其特征在于，
    所述聚类算法子单元采用下述方式过滤过滤异常离群点：
    假设是真实的受理终端位置点和异常离群点分别属于不同的位置圈，每个位置圈的中心由局部密度低的点围绕，同时这些位置点距离其他高局部密度的点的距离都比较大，则局部密度ρi可以如下式这样求得：
    Figure PCTCN2018086112-appb-100004
    其中，函数
    Figure PCTCN2018086112-appb-100005
    其中，d ij表示i和j两个点之间的距离，d c是一个截断距离，目标点到高局部密度点的距离δ iδ i可以如下式这样求得：
    Figure PCTCN2018086112-appb-100006
  12. 如权利要求10所述的位置计算模块，其特征在于，
    所述K中心点算法子单元利用K中心点算法计算受理终端位置圈的中心，视为受理终端位置。
  13. 一种受理终端位置计算方法，其特征在于，包括下述步骤：
    受理信息获取步骤，获取受理终端信息和支付卡信息；
    手机号码获取步骤，根据所述支付卡信息获取与支付卡对应的手机号码；
    移动终端位置获取步骤，根据手机号码按照规定的定位方法实时获取该移动终端的位置信息；以及
    受理终端位置计算步骤，根据移动终端的位置信息计算持有该移动终端的用户所操作的受理终端的有效位置。
  14. 如权利要求13所述的受理终端位置计算方法，其特征在于，在所述受理终端位置计算步骤之后还具备：
    受理终端位置存储步骤，存储从由所述受理终端位置计算步骤计算获得的受理终端的有效位置信息。
  15. 如权利要求13所述的受理终端位置计算方法，其特征在于，
    在所述移动终端位置获取步骤中，所述规定的定位方式包括GPS定位、Wi-Fi定位、基站定位中的一种或者多种。
  16. 如权利要求13～15任意一项所述的受理终端位置计算方法，其特征在于，
    所述受理终端位置计算步骤中，根据大量持卡人对同一受理终端的操作时获取的大量位置信息计算该受理终端的有效位置。
  17. 如权利要求14所述的受理终端位置计算方法，其特征在于，
    在所述受理终端位置计算步骤中包括：
    聚类算法子步骤，对于将大量持卡人对同一受理终端的操作时获取的大量位置信息，过滤异常离群点；以及
    K中心点算法子步骤，计算该受理终端的有效位置。
PCT/CN2018/086112 2017-05-10 2018-05-09 受理终端位置计算系统及其计算方法和位置计算模块 Ceased WO2018205944A1 (zh)

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