Electronic payment system, device and method based on position authentication

Abstract

The invention discloses an electronic payment system which is based on position authentication. The electronic payment system comprises a client, a positioning database and a server; the client comprises a positioning module used for obtaining transaction position information of a user and a safety encryption module used for generating encrypted position declaration information, wherein the position declaration information comprises the transaction position information and a conversation identifier; the positioning database is used for storing position description information which is related to a transaction record of the user; and the server is used for verifying whether the position represented by the transaction position information from the client is the credible position or not through the comparison of the transaction position information and the position description information in the positioning database. The use of the electronic payment system can further reduce the manual verification cost of the electronic payment service, simultaneously increase the difficulty of issuing a payment order at a different place by a hacker, improve the safety of the prior technical proposal and improve the user experience.

Description

technical field [0001] The present invention relates to the field of computer security communication, and in particular, relates to an electronic payment system, device, and method based on location authentication. Background technique [0002] At present, with the rapid development of e-commerce, more and more users are getting used to using the Internet for personal financial management services and online transactions. However, the further popularization of e-commerce and electronic payment is also limited due to users' concerns about security issues. In order to improve the security of electronic payment terminals, the industry has proposed various solutions. For example, the PCIDSS technical standard promoted by Visa and Mastercard uses passwords for user identity authentication when users pay. [0003] For users, most of the electronic payment behaviors take place in places where users often surf the Internet, such places are mainly the user's residence, school, and ...

AI Technical Summary

Problems solved by technology

For this reason, in order to reduce the risk of fraud, electronic payment websites also widely use manual order verification to verify the validity of orders, which in turn greatly increases the service cost of electronic payment websites

Hackers usually obtain the core financial data of users through Trojan horse programs or phishing websites, and then submit multiple valid orders simultaneously in a short period of time through remote methods, relying on loopholes in electronic payment websites for manual verification, resulting in financial losses for users.

Images