111results about How to "Improve payment security" patented technology

The invention discloses a payment authentication method, a device thereof and a system thereof, belonging to the computer technical field. The method comprises the following steps of receiving a payment authentication request sent by a terminal, detecting whether the identification information in the payment authentication request is same with the prestored identification information, extracting a current voice characteristic if the identification information in the payment authentication request is same with the prestored identification information, matching the current voice characteristic with a prestored voiceprint model, and sending authentication reply information for allowing a payment operation to the terminal if the current voice characteristic is successfully matched with the prestored voiceprint model. According to the payment authentication method, the device thereof and the system thereof, a current voice signal is confirmed through the voiceprint model, after the confirmation is successful, the subsequent payment operation is allowed, a problem that a server needs to send an authentication message and the operation cost is increased in the payment operation process in the prior art is solved, an effect that the payment security can be greatly raised by only using the voiceprint identification of the voice signal is achieved, and the operation cost brought by message authentication is greatly reduced.

The invention provides a blockchain-based payment system and a blockchain-based payment method and relates to the technical field of payment. The blockchain-based payment system comprises a payee payment terminal, a face recognition server, a blockchain node and a cloud storage system, wherein the payee payment terminal executes attribute encryption on traction information and face data transmitted by face recognition equipment and transmits a first data ciphertext to the face recognition server through a gateway; the face recognition server performs decryption to acquire face data and a payerwallet address as well as acquires a private key corresponding to the payer wallet address and preset face data from a cloud storage system; and if the face data and the preset face data meet the preset recognition condition, the private key is invoked to sign the transaction, the transaction information after attribute encryption is broadcast in the system, the blockchain node decrypts the transaction information and performs verification, and the transaction information is recorded in the blockchain if the verification is passed. The blockchain-based payment system introduces face swiping payment, encrypts the transaction information and can meet diversified payment requirement and safety requirement.

The invention provides a mobile payment monitoring method and system and an intelligent terminal. The method comprises the steps that when starting of software with a payment function is monitored, payment information of payment utilizing software is acquired; the risk information value of the payment information is acquired according to the payment information and the historical records of the payment information, the risk grade of payment is acquired according to the risk information value, and the upper limit of payment amount is acquired according to the risk grade; and whether the sum of the payment amount and the accumulative payment amount within a preset time period exceeds the upper limit of the payment amount is judged, and payment is performed if the sum of the amount does not exceed the upper limit of the payment amount. The concrete implementation method has the advantages of high security.

A system for enhancing payment security includes a payment network interface unit for communicating with a POS terminal through a payment network; a database for storing a card number and password of a payment tool of a user and a number of a mobile terminal of the user associated with the card number; an acquiring means for searching in the database to obtain the number of the user's mobile terminal associated with the card number; a receiving / sending unit for sending, according to the obtained number of the user's mobile terminal, a request for a transaction password of the payment tool to the user's mobile terminal by means of a wireless network; and an authentication means for authenticating whether or not the transaction password of the user's payment tool returned from the user's mobile terminal matches with the password stored in the database.

One example embodiment includes a method for increasing payment security during a financial transaction. The method includes identifying the buyer, where identifying the buyer includes confirming the buyer's identity, and issuing a one-time payment code to the buyer. The method also includes receiving the one-time payment code from a seller and authorizing payment to the seller.

A system, method and apparatus for the identification of users and devices based on proximity. More specifically, embodiments of the present invention relate to identifying registered devices and users using a combination of components, factors and technologies including geo location, sound, and low energy Bluetooth. Further embodiments include the transacting of payments between registered users that are within a specified proximity of each other.

A method for implementing non-repudiation of payment in a payment managing server includes receiving, from a user terminal, a terminal public key of a pair of asymmetric keys generated by the user terminal, receiving user authentication information, the user authentication information having been generated by a user authentication server and transmitted to the user terminal, storing the received terminal public key when validity of the user authentication information is confirmed through a communication with the user authentication server, receiving a payment request from the user terminal, receiving, from the user terminal, electronic signature information that has been encrypted with a terminal private key of the pair of asymmetric keys and decrypting the electronic signature information using the stored terminal public key, is provided.

The invention provides a barcode-based communication method comprising: rendering first transmission information as a first barcode, and displaying the first barcode to be scanned by a peer device; scanning a second barcode displayed by the peer device and obtaining second transmission information carried by the second barcode, wherein the second transmission information is obtained by the peer device based on the processing result of the first transmission information. The method enables two communication parties to carry out bidirectional information transmission with the barcodes, avoids the information asymmetry caused by unidirectional communication, and enhances service integrity and the security.

An embodiment of the invention relates to the field of communication technologies, and discloses a payment control method based on a geographical location, and a terminal. The payment control method comprises the steps of: monitoring a payment instruction received by a built-in mobile payment application by means of a payment terminal; acquiring a current geographical location; judging whether thecurrent geographical location is within an unrestricted payment geographical range; and executing the payment instruction when the current geographical location is within the unrestricted payment geographical range. By implementing the payment control method based on the geographical location, mobile payment is subjected to geographical payment restriction, thus the payment security is improved,and the personal and property safety of student users are protected.

The invention discloses a payment method based on 3D holographic projection for identity authentication. The payment method includes that a POS (point of sales) terminal with a 3D holographic projection module is utilized to read an identification code of a payment card of a consumer, a payment order in an electronic form is generated by combining with consuming content and sent to a payment server, the payment server sends the payment order to a cellphone of the consumer for verification, order confirmation information is sent to the payment server after the consumer verifies successfully, the payment server further needs to verify fingerprints of the consumer after receiving the order confirmation information, the payment server returns a consumer 3D holographic image bound with the payment card identification code of the consumer after fingerprint verification succeeds, and the POS terminal projects the 3D holographic image for a merchant to examine and verify identity of the consumer, and the payment server deducts money of an account bound with the payment card of the consumer only after examination and verification succeed. In the payment method, through multistage examination and verification, payment safety is improved greatly.

The invention discloses an optimizing method and apparatus for internet based payment risk control system wherein the internet based payment risk control system comprises a risk control policy pool where the control policy pool is provided with a plurality of policies. The optimizing method comprises of obtaining an optimizing model through machine learning wherein the optimizing model is used to combine at least two policies to form a best policy combination whose balance state is better than the balance state of any single policy of the best policy combination and better than the balance state of the policy combination formed by any single policy with the rest policies in the risk control policy pool wherein the balance state of the policies / policy combination is measured by the harmonic mean of the accuracy to identify fraudulent orders and the coverage rate for covering the fraudulent orders by the policies / policy combination. The optimizing method and apparatus of the invention increase the operation efficiency of the existing policies and models of a traditional internet based payment risk control system, therefore, enabling the risk control policies and models to identify frauds more accurately and to cover more fraudulent orders.

Method and device of processing a transaction are disclosed. The method includes: receiving a transaction request from a first transaction device, wherein the transaction request specifies a transaction account associated with a user and a transaction awaiting execution; in accordance with the received transaction request, identifying a second transaction device associated with the transaction account; acquiring first physiological biometric verification data from the first transaction device; acquiring second physiological biometric verification data from the second transaction device; verifying the acquired first and second physiological biometric verification data against stored physiological biometric information associated with the transaction account; and approving the requested transaction upon successful verification of the received first and second physiological biometric verification data.

The embodiment of the specification provides a payment processing method and device, wherein, the method comprises the following steps: a payment broadcasting device collects a voice signal of a payee, wherein the voice signal is a payment amount to be paid by the payee at an input payer; The payment broadcasting device recognizes and analyzes the voice signal to obtain the payment amount, and sends the payment amount and the account number identification of the payee to the payment server. The payment server generates corresponding collection code information according to the payment amount and the account number identification; the collection code information is sent to the payment broadcasting device; The payment broadcasting device displays a collection code corresponding to the collection code information; When receiving the payment request, the payment server searches for the corresponding payment amount and the account number identification according to the collection code information in the payment request, and performs payment processing.

The invention relates to a Bluetooth-based mobile payment system and payment method. The system comprises a payment terminal, a mobile terminal, a mobile payment background system, an authentication IC card and a financial cipher machine. The payment terminal is connected with a merchant order receiving system and is in Bluetooth wireless connection with the mobile terminal for sending a payment request to the mobile terminal. A master control module reads merchant identity information stored in the authentication IC card through a card reading module and carries out validity verification. The mobile terminal is in communication connection with the mobile payment background system through a communication module and forwards and sends the payment request to the mobile payment background system via the communication module. The financial cipher machine is in conducted connection with the mobile payment background system and carries out decryption on the payment request so that the mobile payment background system can finish payment and deduction conveniently. In such a way, the system provided by the invention can be applied to a conventional mobile terminal generally having a Bluetooth function, replacement of the mobile terminal and an SIM card is unnecessary, the cost is saved, the security is high, the system is easily accepted by users and merchants, and popularization and application are easier.

Embodiments of the present specification provide a method of generating a payment mark, and a method of performing payment verification using the payment mark. In accordance with the above method, when a user requests to bind a bank card, a payment mark is generated for the bank card of the user, the payment mark at least comprising a first field indicating a time period to which the current timebelongs, a second field using a serial number sequentially generated in the current time period as a field value, and a third field indicating a card issuing mechanism corresponding to the bank card.In the payment stage, the payment mark can be sent to the card issuer instead of the bank card number for payment verification, so as to improve the payment security.

Described are a signature verification method, apparatus, and system. The method includes: encrypting a third-party payment identifier and payment information according to a first key to obtain a first signature; encrypting a third-party client identifier and first signature information according to a second key to obtain a second signature; and providing the third-party client identifier, the first signature information, and the second signature to a client server for verification.

The invention discloses a payment routing system and method. The payment routing system comprises a configuration module used for configuring payment brands, a guide rule, channel information and a routing rule, a guide rule processor used for generating a brand list that comprises at least one first payment brand, a channel rule processor used for determining at least one optimal channel and marking the payment brands corresponding to the optimal channels as second payment brands, and a routing calculation engine used for searching for the same payment brands in the first and second payment brands, marking the same payment brands as third payment brands and enabling optimal channels corresponding to the third payment brands in the channel rule processor to correspond to the third payment brands in the brand list. According to the payment routing system and method, the disadvantages that a set of payment modes only can be used by a merchant and a bank only supports a channel in a payment mode in the prior art are overcome, manual intervention can be reduced as far as possible, and continuous use of a payment system is kept.

A mobile payment method is provided for scheduled payments. A mobile terminal of a user receives a reminding message, the content of which includes information as to a scheduled payment of the user, the mobile terminal automatically analyzes the content of the message and extracts from the content payment information such as a deadline for payment and an amount to be paid. The mobile terminal stores the extracted payment information for future consultation by the user.

The invention embodiment discloses a mobile paying method and further discloses a relative mobile terminal apparatus. In the mobile paying method, when the mobile terminal receives a confirming paying instruction in mobile paying, the mobile terminal apparatus takes advantage of a sensor which is on the terminal or is connected with the terminal to acquire to-be-identified sensing information and a preset and correct identifying information, and judges whether or not the to-be-identified information is matched with the correct identifying information, only if the to-be identified information is matched with the correct identifying information, and the paying can be started. Compared with the prior art, the mobile paying method and the mobile terminal apparatus have the advantage of being capable of improving paying security.

The embodiment of the invention discloses a payment method, device, equipment and system and a storage medium. The method comprises the steps of acquiring vehicle information; sending request information to a server, the request information comprising vehicle information so as to determine whether a vehicle corresponding to the vehicle information opens a payment service; receiving feedback information, wherein the feedback information comprises information indicating that the vehicle opens the payment service; and establishing bidirectional authentication communication with the vehicle according to the feedback information to complete payment. Therefore, non-inductive payment can be realized while payment completion and payment security performance improvement are ensured, so that the labor cost is reduced and the user experience is improved.

The invention discloses a vehicle payment method and system and a computer readable storage medium. The vehicle payment method comprises the following steps of: when an electronic bill is received, obtaining vehicle identification information included in the electronic bill; and sending the received electronic bill to a vehicle terminal which logs in an electronic wallet account number according to the vehicle identification information included in the electronic bill, wherein the electronic wallet account number is bound with the vehicle identification information to ensure that the vehicle terminal which logs in the electronic wallet account number pays an expense corresponding to the electronic bill through a third-party payment system associated with the electronic wallet account number. By adoption of above scheme, the convenience of payment of expenses associated with vehicles can be improved.

The embodiment of the invention provides an information flow analysis method based on a blockchain and a mobile Internet, and a cloud computing platform. The method comprises the steps of according tothe protection label of each protection consensus verification project, creating a record dynamic link library file used for recording different protection analysis rule information of respective execution protection, analyzing rule information according to protection on the basis; configuring corresponding dynamic metric tables and payment verification metric rules for the protection consensus verification items, configuring the dynamic metric tables and the payment verification metric rules to the corresponding protection consensus verification items, executing protection data flow analysis, and further performing rule updating on the record dynamic link library file according to the obtained protection information flow analysis data. Thus, in the payment verification process, protection can be carried out based on the payment verification measurement rules of multiple different protection consensus verification items, rule updating is continuously carried out according to the protection information flow analysis data, a more accurate protection analysis rule mechanism can be realized, and the payment security can be improved.

The invention concerns a payment arrangement in an online shopping. In the method a request for a transaction code containing at least predefined user-related identification information is received. The content of the request is compared to stored information and, in response to a positive outcome of the comparison, a transaction code is generated, stored and delivered to the requesting party. In the next phase an inserted transaction code is received for verification and it is compared to the generated transaction code stored. In response to a positive outcome of the comparison the payment information is confirmed to the requesting entity. The invention also relates to a network element, a system and a computer program product implementing the method.

The invention discloses a palm vein authentication based payment management method, apparatus and system. The method is applied to a multi-merchant settlement platform and comprises the following steps: obtaining member information and a stored-value balance numerical value, and storing the member information and the stored-value balance numerical value in a member information database of a cloud end in a cloud storage mode; receiving a consumption amount-containing payment request message sent by a merchant payment terminal; sending a request message containing obtained palm vein information of a current consumption user to the merchant payment terminal; receiving the message containing the palm vein information of the current consumption user and sent by the merchant payment terminal; performing palm vein information authentication; when an authentication result is that the current consumption user is a member, judging whether the consumption amount is less than or equal to the stored-value balance numerical value or not; when the consumption amount is less than or equal to the stored-value balance numerical value, generating a payment result message containing payment success information; and sending the payment result message to the merchant payment terminal. The method, the apparatus and the system have the advantage of high security.

Provided is a fingerprint recognition card and a method for operating a power source thereof. The fingerprint recognition card includes: a fingerprint recognition sensor for acquiring fingerprint information according to a touch of a user's fingerprint thereon; a front sensor which comprises a bezel formed at the outer circumference of the fingerprint recognition sensor and operates as a capacitive sensor; and a controller for receiving a power detection signal according to detection of a user's touch by the front sensor and recognizing the same as a power supply operation.

A method at a computer system includes: receiving, from a first client associated with a first party, a request for a transaction; receiving, from the first client, a first identification information and a second identification information; identifying a first account associated with the first party based on the first identification information and a second account associated with a second party based on the second identification information; sending a request for transaction verification information to a second client associated with the second party and identified based on the second identification information; receiving, from the second client, transaction verification information; determining whether the transaction verification information matches a verification key associated with the second account; if the transaction verification information matches the verification key, completing the transaction using the first account and the second account; and if the transaction verification information does not match the verification key, aborting the transaction.

The invention belongs to the technical field of expressway management and particularly discloses an expressway toll station toll collection method. When a vehicle enters an exit lane, an exit licenseplate recognition system captures the license plate of the vehicle, and the license plate number is recognized and uploaded to a server; the server carries out exit marking on the license plate numberof the vehicle, and exit marking data are generated; an exit operation end calculates the toll according to entrance marking data, the exit marking data, the vehicle information and the driving pathinformation; and the server carries out automatic deduction on an account corresponding to client information bound with the vehicle. Through two-way marking of the entrance and the exit, the markinginformation is compared, deduction is carried out through a mobile terminal, and electronic toll collection can be realized. the modification cost is greatly reduced through deduction realized by an intelligent mobile phone, and the payment safety is higher. One mobile terminal can be bound with multiple vehicles or multiple vehicles can be bound with one mobile terminal, and the degree of freedomis higher.

The invention provides a method, apparatus and mobile terminal for improving payment security, and belongs to the field of computers. The method comprises following steps: monitoring popup window notifications triggered by application programs; determining whether payment features are included in the popup window notifications; shielding the authority for sending payment short messages through the application programs when the payment features are included in the popup window notifications, and reminding users of inputting preset authentication information; receiving the authentication information and verifying the validity of the authentication information; and executing payment operations when the authentication information is valid. By employing the method provided by the embodiment of the invention, when the popup window notifications including the payment features are found in an operation system, the mobile terminal is determined that short message payment occurs, the users are reminded of inputting the authentication information at the moment, and the payment only can be completed when the input authentication information is valid, so that a problem that the payment operations are clicked by mistakes during the payment is effectively solved, property losses for the users are prevented, and the security of the payment is improved.