WO2022000766A1

WO2022000766A1 - Transaction address locating system and method

Info

Publication number: WO2022000766A1
Application number: PCT/CN2020/113495
Authority: WO
Inventors: 戴启军; 陈烈; 曾德炎; 王思远
Original assignee: 拉卡拉支付股份有限公司
Priority date: 2020-07-03
Filing date: 2020-09-04
Publication date: 2022-01-06
Also published as: CN112003958A

Abstract

Embodiments of the present disclosure relate to the field of smart payment. Disclosed are a transaction address locating system and method. The system at least comprises: a mobile payment terminal, a mobile terminal, and a server. The mobile terminal is separately connected to the mobile payment terminal and the server; the mobile payment terminal is used for sending transaction data and transaction signature data to the mobile terminal separately; the mobile terminal is used for sending to the server the transaction data, the transaction signature data, and its own IP address information, and is also used for sending a transaction result and a signature verification result to the mobile payment terminal; and the server is used for processing the transaction data, generating a transaction result, and sending the transaction result to the mobile terminal, is also used for generating a signature verification result according to the transaction signature data and sending the signature verification result to the mobile terminal, and is also used for obtaining a transaction location according to the IP address information.

Description

A system and method for locating a transaction address

technical field

The present disclosure relates to the field of intelligent payment, in particular to a system and method for locating a transaction address.

Background technique

At present, the mainstream mPOS (Mobile POS) on the market do not have integrated GPS and cellular communication modules. They obtain the positioning information of the mobile terminal through the Bluetooth connection between the Bluetooth chip in the POS and the mobile terminal; during the transaction, the mobile terminal is obtained through the APP installed on the mobile terminal. After the location access authority, it further obtains the GPS location information of the mobile terminal, and sends packaged messages in a fixed format to the transaction background, and parses the messages to obtain the mPOS terminal positioning information and associates it with the transaction, so as to meet the requirements of the terminal that accepts the Supervision No. 85 document. The need for each transaction location and risk detection.

From this, it is not difficult to know that the process of transaction positioning in the prior art is cumbersome, and there are at least the following three problems: First, to obtain the GPS positioning information of the mobile terminal, the positioning information can only be obtained by relying on the mobile terminal APP and obtaining the access authority. , the operation is cumbersome; second, the mobile terminal APP development workload is large, the Android market and IOS APP STORE security inspection is strict, and the acquisition of sensitive information such as location is complicated. area, there are cases where the transaction is completed normally but the location information cannot be uploaded.

SUMMARY OF THE INVENTION

In view of the above technical problems in the prior art, the embodiments of the present disclosure propose a system and method for locating transaction addresses, so as to solve the cumbersome operation of locating transactions in the prior art, must rely on the mobile terminal APP and completely rely on GPS positioning, such as in the prior art. In areas with poor GPS signal, there are problems such as the transaction is completed normally but the location information cannot be uploaded.

A first aspect of the embodiments of the present disclosure provides a system for locating a transaction address, the system at least includes: a mobile payment terminal, a mobile terminal and a server; the mobile terminal is respectively connected to the mobile payment terminal and the server;

the mobile payment terminal, configured to send transaction data and transaction signature data to the mobile terminal respectively;

The mobile terminal is used to send the transaction data, the transaction signature data and its own IP address information to the server; it is also used to send the transaction result and the signature verification result to the mobile payment terminal;

The server is used to process the transaction data, generate a transaction result and send it to the mobile terminal; also be used to generate a signature verification result according to the transaction signature data and send it to the mobile terminal; The IP address information obtains the transaction location.

In some embodiments, the mobile payment terminal is further configured to receive a user's consumption request and consumption data, and package the consumption data to generate the transaction data.

In some embodiments, the mobile payment terminal is connected with the mobile terminal through a wireless communication technology; the mobile terminal is connected with the server through the wireless communication technology and/or cellular mobile communication technology.

In some embodiments, the wireless communication technology specifically includes one or more of NFC, Bluetooth, and Wi-Fi.

In some embodiments, after acquiring the IP address information, the server acquires the transaction location by invoking a positioning interface provided by a map open platform.

In some embodiments, the interaction between the mobile terminal and the server needs to follow the TCP/IP protocol.

A second aspect of the embodiments of the present disclosure provides a method for locating a transaction address, including:

Send transaction data to the server through the connected mobile terminal;

Receive the transaction result returned by the server, and send the signature data and the IP address information of the mobile terminal to the server through the mobile terminal; wherein, the server obtains the transaction location according to the IP address information;

After receiving the signature verification result returned by the server, the transaction is completed.

In some embodiments, the method further includes: after the server acquires the IP address information, acquiring the transaction location by invoking a positioning interface provided by a map open platform.

In some embodiments, the transaction location specifically includes: one or more of city, city code and/or longitude and latitude information of city center.

In some embodiments, the method further includes the server associating the transaction location with the transaction result, the signature verification result.

A third aspect of the embodiments of the present disclosure provides an electronic device, including:

memory and one or more processors;

wherein the memory is connected in communication with the one or more processors, the memory stores instructions executable by the one or more processors, and the instructions are executed by the one or more processors , the electronic device is used to implement the methods described in the foregoing embodiments.

A fourth aspect of the embodiments of the present disclosure provides a computer-readable storage medium on which computer-executable instructions are stored. When the computer-executable instructions are executed by a computing device, the computer-executable instructions can be used to implement the foregoing embodiments. Methods.

A fifth aspect of the embodiments of the present disclosure provides a computer program product, the computer program product includes a computer program stored on a computer-readable storage medium, the computer program includes program instructions, and when the program instructions are executed by a computer can be used to implement the methods described in the foregoing embodiments.

In the embodiment of the present disclosure, transaction positioning can be realized by obtaining the IP address of the mobile terminal, without any APP, without obtaining access rights, avoiding the access operation of sensitive information, and at the same time without relying on GPS positioning, the user has no sense of operation, and has a good experience .

Description of drawings

The features and advantages of the present disclosure will be more clearly understood by reference to the accompanying drawings, which are schematic and should not be construed as limiting the present disclosure in any way, in which:

1 is an exemplary diagram of a system for locating a transaction address according to some embodiments of the present disclosure;

2 is a schematic diagram of a system for locating a transaction address according to some embodiments of the present disclosure;

3 is a schematic flowchart of a method for locating a transaction address according to some embodiments of the present disclosure;

4 is a schematic diagram of a transaction process according to some embodiments of the present disclosure;

5 is a schematic diagram of processing conditions of each layer in the TCP/IP protocol according to some embodiments of the present disclosure;

6 is a schematic diagram of the structure of TCP packet header information according to some embodiments of the present disclosure;

FIG. 7 is a schematic structural diagram of an electronic device according to some embodiments of the present disclosure.

detailed description

In the following detailed description, numerous specific details of the present disclosure are set forth by way of example in order to provide a thorough understanding of the related disclosure. However, it will be apparent to one of ordinary skill in the art that the present disclosure may be practiced without these details. It should be understood that the terms "system", "device", "unit" and/or "module" are used in this disclosure as a way of distinguishing different parts, elements, sections or assemblies at different levels in a sequential arrangement method. However, these terms can be replaced by other expressions if they serve the same purpose.

It will be understood that when a device, unit or module is referred to as being "on", "connected to" or "coupled to" another device, unit or module, it can be directly on the other device, unit or module above, connected or coupled to or in communication with other devices, units or modules, or there may be intervening devices, units or modules, unless the context clearly dictates otherwise. For example, as used in this disclosure, the term "and/or" includes any and all combinations of one or more of the associated listed items.

The terminology used in this disclosure is for the purpose of describing particular embodiments only, and does not limit the scope of the disclosure. As shown in this disclosure and the claims, unless the context clearly dictates otherwise, the words "a", "an", "an" and/or "the" are not intended to be specific in the singular and may include the plural. Generally speaking, the terms "comprising" and "comprising" only imply that the clearly identified features, integers, steps, operations, elements and/or components are included, and such expressions do not constitute an exclusive listing, other features, Entities, steps, operations, elements and/or components may also be included.

These and other features and characteristics of the present disclosure, method of operation, function of related elements of structure, combination of parts, and economics of manufacture may be better understood with reference to the following description and drawings, which form a part of the manual. However, it is to be clearly understood that the accompanying drawings are for illustration and description purposes only and are not intended to limit the scope of protection of the present disclosure. It will be appreciated that the drawings are not drawn to scale.

Various block diagrams are used in the present disclosure to illustrate various modifications of the embodiments according to the present disclosure. It should be understood that the preceding or following structures are not intended to limit the present disclosure. The scope of protection of the present disclosure is governed by the claims.

In order to solve the above problems, an embodiment of the present disclosure provides a system 100 for locating a transaction address. As shown in FIG. 1 , the system at least includes: a mobile payment terminal 101 , a mobile terminal 102 and a server 103 ; the mobile terminal 102 respectively Connect with the mobile payment terminal 101 and the server 103;

The mobile payment terminal 101 is configured to send transaction data and transaction signature data to the mobile terminal respectively;

The mobile terminal 102 is used to send the transaction data, the transaction signature data and its own IP address information to the server 103; it is also used to send the transaction result and the signature verification result to the mobile payment terminal 101;

The server 103 is configured to process the transaction data, generate a transaction result and send it to the mobile terminal 102; be further configured to generate a signature verification result according to the transaction signature data and send it to the mobile terminal 102; and It is used to obtain the transaction location according to the IP address information.

In some embodiments, the mobile payment terminal 101 is further configured to receive a consumption request and consumption data input by a user, and package the consumption data to generate the transaction data.

In some embodiments, the mobile payment terminal 101 and the mobile terminal 102 are connected through wireless communication technology; the mobile terminal and the server are connected through the wireless communication technology and/or cellular mobile communication technology.

In some embodiments, the server associates the transaction location with the transaction result, the signature verification result.

In a specific embodiment, as shown in FIG. 2, a specific application of a system for locating a transaction address is shown, wherein a mobile payment terminal (mPOS machine) communicates with the mobile terminal (mobile phone) through a wireless communication technology (Bluetooth). ) to connect to obtain the IP address of the mobile phone; the mobile terminal (mobile phone) is connected with the server (payment background) through the wireless communication technology (Wi-Fi) and/or cellular mobile communication technology (cellular mobile), and the payment background uses to resolve IP addresses and obtain location information.

In the embodiment of the present disclosure, IP address resolution and acquisition need to transform the existing mobile payment terminal (mPOS machine) application and background IDC load balancing device (server) side software to obtain public network IP address information and parse to obtain location information; through the present disclosure The system can obtain mPOS location information by obtaining the IP address information of the mobile phone, without using the mobile phone APP and access rights, the user has no sense of use, and the user experience is good.

In the embodiment of the present disclosure, a method for locating a transaction address is also disclosed, as shown in FIG. 3 , including:

S301, sending transaction data to a server through a mobile terminal that has established a connection;

S302, receiving the transaction result returned by the server, and sending the transaction signature data and the IP address information of the mobile terminal to the server through the mobile terminal; wherein, the server obtains the transaction location according to the IP address information;

S303. Receive the signature verification result returned by the server, and the transaction is completed.

In some embodiments, the transaction location includes city information including city, city code and/or longitude and latitude information of city center.

In some embodiments, the method further includes: when the mobile terminal sends data to the server, the TCP/IP protocol needs to be followed.

In some embodiments, the mobile terminal includes, but is not limited to, a mobile phone, a notebook, a tablet computer, and the like.

Further, in some embodiments, a transaction process is also disclosed, as shown in FIG. 4 , including:

S401. mPOS receives a consumption request from the user;

S402, mPOS receives the consumption amount, consumption method and corresponding password input by the user;

Specifically, consumption methods include: swiping cards and scanning codes.

S403, mPOS performs data packetization;

Specifically, during data packetization, the PIN value and/or the MAC value are encrypted.

S404, mPOS connects with the mobile terminal via Bluetooth, and sends transaction data to the mobile terminal;

S405, the mobile terminal obtains its own IP address;

S406, the mobile terminal sends the transaction data to the server;

S407, the server processes the transaction data, generates a transaction result, and sends it to mPOS through the mobile terminal;

S408, mPOS obtains the user's transaction signature data, and sends it to the mobile terminal;

S409, the mobile terminal sends the user's signature data and IP address information to the server;

S410, the server processes the signature data and parses the IP address information;

S411, the server generates a signature verification result, and sends it to mPOS through the mobile terminal;

S412, mPOS processes the signature verification result, and the transaction ends.

In some embodiments, the data transmission between the mobile terminal and the server follows the TCP/IP (Transmission Control Protocol/Internet Protocol) protocol; wherein, the reference model of the TCP/IP protocol is divided into four levels: application layer, transport layer, The network interconnection layer and the host to the network layer; specifically, the details of each layer processing in the TCP/IP protocol are shown in Figure 5. Among them, when the transaction data is sent from the application layer to the transport layer, the header information of the TCP packet will be added.

Further, a schematic diagram of the structure of the header information of the TCP packet is shown in FIG. 6 . Among them, the source and destination port number fields: occupy 16 bits. The TCP protocol uses "ports" to identify the source and destination application processes. The port number can use any number between 0 and 65535. Sequence number field: occupies 32 bits. Used to identify the data byte stream sent from the TCP source to the TCP destination, it represents the first data byte in this segment. Confirmation number field: occupies 32 bits. The acknowledgment number field is valid only when the ACK flag is 1. It contains the next byte of data that the destination expects to receive from the source. Header length field: 4 bits. Gives the number of headers occupying 32 bits. A TCP header without any options field is 20 bytes long; there can be a maximum of 60 bytes of TCP header. Flag bit field (U, A, P, R, S, F): 6 bits. Window size field: 16 bits. This field is used for flow control. The unit is the number of bytes, and this value is the number of bytes the machine expects to receive at one time. TCP checksum field: 16 bits. The checksum calculation is performed on the entire TCP segment, that is, the TCP header and the TCP data, and is verified by the destination. Urgent pointer field: occupies 16 bits. It is an offset that, added to the value in the sequence number field, represents the sequence number of the last byte of urgent data. Option field: occupies 32 bits. May include options such as "window expansion factor", "timestamp", etc.

Specifically, the 16-bit source port includes the port for initializing communication; the function of the source port, that is, the source IP address, is to identify the return address of the packet. The source IP information can be obtained by calling the TCP header information and intercepting the first two bytes of 16-bit data.

In some embodiments, the server obtains the transaction location according to the IP address information, which specifically includes: calling the API interface through the Web service API provided by the map open platform, and using the IP to obtain the approximate location; the returned result is shown in Table 1, which can be a city , city code and/or longitude and latitude information of city center, etc. At this point, the server obtains the location information corresponding to each transaction, and the transaction positioning is completed.

Table 1: Location information obtained by resolving IP addresses

In some embodiments, the method further includes: receiving a consumption request input by a user, and performing data grouping according to the consumption request to generate the transaction data.

In some embodiments, the method further includes: connecting the mPOS and the mobile terminal through wireless communication technology; connecting the mobile terminal and the server through the wireless communication technology and/or cellular mobile communication technology.

In some embodiments, the method further includes: after the server obtains the IP address, obtaining the transaction location by invoking an API in a Web service provided by a map open platform.

The embodiment of the present disclosure discloses a system and method for locating a transaction address, which can realize transaction location only by obtaining the IP address of a mobile terminal, without using any APP and without obtaining access rights, avoiding the access operation of sensitive information, and at the same time not requiring any APP. Relying on GPS positioning, the user has no sense of operation, and the experience is good.

In the embodiment of the present disclosure, a schematic diagram of an electronic device is also disclosed, as shown in FIG. 7 . Wherein, the electronic device 700 includes:

memory 730 and one or more processors 710;

The memory 730 is connected in communication with the one or more processors 710, and the memory 730 stores instructions 732 executable by the one or more processors, and the instructions 732 are executed by the one or more processors. A plurality of processors 710 execute, so that the one or more processors 710 execute the methods in the foregoing embodiments of the present application.

Specifically, the processor 710 and the memory 730 may be connected through a bus or in other ways, and the connection through the bus 740 is taken as an example in FIG. 7 . The processor 710 may be a central processing unit (Central Processing Unit, CPU). The processor 710 may also be other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit, ASIC), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA) or Other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components and other chips, or a combination of the above types of chips.

As a non-transitory computer-readable storage medium, the memory 730 can be used to store non-transitory software programs, non-transitory computer-executable programs, and modules, such as the cascaded progressive network in the embodiments of the present application. The processor 710 executes various functional applications of the processor and data processing by executing non-transitory software programs, instructions, and modules 732 stored in the memory 730 .

The memory 730 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function; the storage data area may store data created by the processor 710 and the like. Additionally, memory 730 may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, memory 730 may optionally include memory located remotely from processor 710 that may be connected to processor 710 via a network, such as through communication interface 720 . Examples of such networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

An embodiment of the present application also provides a computer-readable storage medium, where computer-executable instructions are stored in the computer-readable storage medium, and after the computer-executable instructions are executed, the methods in the foregoing embodiments of the present application are executed.

The aforementioned computer-readable storage media includes physical volatile and non-volatile, removable and non-removable implemented in any manner or technology for storage of information such as computer-readable instructions, data structures, program modules or other data. medium. Computer-readable storage media specifically include, but are not limited to, U disk, removable hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), erasable programmable read-only memory Memory (EPROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other solid-state memory technology, CD-ROM, Digital Versatile Disc (DVD), HD-DVD, Blue-Ray, or other optical storage device, tape, disk storage or other magnetic storage device, or any other medium that can be used to store the desired information and that can be accessed by a computer.

Although the subject matter described herein is presented in the general context of execution in connection with the execution of an operating system and application programs on a computer system, those skilled in the art will recognize that other types of program modules may also be used to perform other accomplish. Generally, program modules include routines, programs, components, data structures, and other types of structures that perform particular tasks or implement particular abstract data types. Those skilled in the art will appreciate that the subject matter described herein may be practiced using other computer system configurations, including hand-held devices, multiprocessor systems, microprocessor-based or programmable consumer electronics, minicomputers, mainframe computers, and the like , may also be used in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote memory storage devices.

Those of ordinary skill in the art can realize that the units and method steps of each example described in conjunction with the embodiments of the application herein can be implemented by electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Skilled artisans may implement the described functionality using different methods for each particular application, but such implementations should not be considered beyond the scope of this application.

The functions, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application can be embodied in the form of a software product in essence, or the part that contributes to the original technology or the part of the technical solution. The computer software product is stored in a storage medium, including Several instructions are used to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present application.

In conclusion, the present disclosure provides a system, method, electronic device and computer-readable storage medium for locating a transaction address. Transaction positioning can be achieved by obtaining the IP address of the mobile terminal, without any APP or access rights, avoiding the access operation of sensitive information, and without relying on GPS positioning, the user has no sense of operation and a good experience.

It should be understood that the above-mentioned specific embodiments of the present disclosure are only used to illustrate or explain the principles of the present disclosure, and not to limit the present disclosure. Therefore, any modifications, equivalent replacements, improvements, etc. made without departing from the spirit and scope of the present disclosure should be included within the protection scope of the present disclosure. Furthermore, the appended claims of the present disclosure are intended to cover all changes and modifications that fall within the scope and boundaries of the appended claims, or the equivalents of such scope and boundaries.

Claims

A system for locating a transaction address, characterized in that the system at least comprises: a mobile payment terminal, a mobile terminal and a server; the mobile terminal is respectively connected with the mobile payment terminal and the server;

the mobile payment terminal, configured to send transaction data and transaction signature data to the mobile terminal respectively;

The mobile terminal is used to send the transaction data, the transaction signature data and its own IP address information to the server; it is also used to send the transaction result and the signature verification result to the mobile payment terminal;

The server is used to process the transaction data, generate a transaction result and send it to the mobile terminal; also be used to generate a signature verification result according to the transaction signature data and send it to the mobile terminal; The IP address information obtains the transaction location.
The system according to claim 1, wherein the mobile payment terminal is further configured to receive a user's consumption request and consumption data, and package the consumption data to generate the transaction data.
The system according to claim 1, wherein the mobile payment terminal is connected with the mobile terminal through a wireless communication technology; the mobile terminal is connected with the server through the wireless communication technology and/or cellular mobile communication technology connect.
The system according to claim 3, wherein the wireless communication technology specifically includes one or more of NFC, Bluetooth, and Wi-Fi.
The system according to claim 1, wherein after acquiring the IP address information, the server acquires the transaction location by invoking a positioning interface provided by a map open platform.
The system according to claim 1, wherein the interaction between the mobile terminal and the server needs to follow the TCP/IP protocol.
A method for locating a transaction address, comprising:

Send transaction data to the server through the connected mobile terminal;

Receive the transaction result returned by the server, and send the signature data and the IP address information of the mobile terminal to the server through the mobile terminal; wherein, the server obtains the transaction location according to the IP address information;

After receiving the signature verification result returned by the server, the transaction is completed.
The method according to claim 7, further comprising: after the server acquires the IP address information, acquiring the transaction location by invoking a positioning interface provided by a map open platform.
The method according to claim 7 or 8, wherein the transaction location specifically comprises: one or more of city, city code and/or longitude and latitude information of city center.
The method according to claim 7, wherein the method further comprises: the server associating the transaction location with the transaction result and the signature verification result.