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Payment authentication method and device

A technology of authentication and payment request, applied in the direction of payment system, payment system structure, protocol authorization, etc., which can solve the problems that cannot fully guarantee the security of user payment account/bank card account

Active Publication Date: 2015-09-23
CHINA UNITED NETWORK COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a payment authentication method and device, which solves the current problem that the security of the user's payment account / bank card account cannot be fully guaranteed

Method used

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  • Payment authentication method and device
  • Payment authentication method and device

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0037] figure 1 It is a schematic structural diagram of a network system provided by an embodiment of the present invention. In the network system, a background server, a payment server, a user equipment, a POS (Point of Sales Terminal, sales terminal) machine and a user social network system are connected to each other through a transmission network.

[0038] Among them, the background server is mainly used to analyze the status of the pending transaction and submit the relevant information to the payment server; the payment server is used to pay or terminate the processing of the pending transaction order; the user equipment can be any GPS (Global Positioning System, Global Positioning System) Positioning system) receiver electronic devices, such as laptops, tablet computers, personal computers or mobile phones; the user's social network system can obtain the relevant information of the user's social network, such as the location information of the user's social network, pict...

Embodiment 2

[0061] The present invention provides a payment authentication method, such as image 3 As shown, the method includes:

[0062] S201. The background server receives an order payment request message.

[0063] Wherein, the order payment request message may be a message generated when a user uses a user device to initiate a purchase request on one of the e-commerce websites, or it may be a message generated when the user purchases goods in a shopping mall and pays in a non-cash manner (that is, the user swipes a card to pay). Generated message. The order payment request message at least includes the payment account and the physical address of the payment request.

[0064] The user equipment in the embodiment of the present invention may be any electronic device carrying a GPS receiver, such as a notebook computer, a tablet computer, a personal computer, or a mobile phone.

[0065] Specifically, after the user initiates a purchase request, the background server will receive an ...

Embodiment 3

[0089] The embodiment of the present invention provides a background server 1, such as Figure 4 shown, including:

[0090] The receiving unit 10 is configured to receive an order payment request message, the order payment request message at least including the payment account and the physical address of the payment request;

[0091] An acquisition unit 11, configured to acquire user location information of the user whose payment account belongs to;

[0092] A judging unit 12, configured to judge whether the user location information acquired by the acquiring unit 11 is the same as the physical address of the payment request;

[0093] The sending unit 13 is configured to send a payment message to the payment server if the user location information is the same as the physical address of the payment request, so that the payment server completes the order payment according to the payment message, and is used to If the user location information is different from the physical add...

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PUM

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Abstract

The embodiment of the invention provides a payment authentication method and a payment authentication device and relates to the technical field of payment safety. The method and the device could improve accuracy for judging a transaction state and strengthen safety of transaction. The method comprises the steps as follows: receiving order payment request information, wherein the order payment request information at least comprises a payment account number and a payment request physical address; obtaining user position information of a user who the payment account number belongs to and judging whether the user position information is the same as the payment request physical address; transmitting a payment message to a payment server if the user position information is the same as the payment request physical address so that the payment server could finish the order according to the payment message, and transmitting a stop message to the payment server if the user position information is not the same as the payment request physical address so as to terminate the order payment.

Description

technical field [0001] The invention relates to the technical field of payment security, in particular to a payment authentication method and device. Background technique [0002] With the continuous development of communication technology, more and more users use non-cash transactions for consumption, that is, more and more users complete online transactions by swiping cards or using payment accounts. Subsequently, the problem of fraud and theft also increasing. [0003] At present, merchants and financial institutions solve the problem of fraud and fraud by waiting for users to find suspicious transactions and report them on their own. However, using this method to solve the problem of fraud and theft will bring unnecessary trouble to the user, and if the user fails to detect suspicious transactions in time, there will still be fraud and theft, which cannot fully guarantee the user's payment account / bank card. Account security. SUMMARY OF THE INVENTION [0004] The em...

Claims

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Application Information

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IPC IPC(8): G06Q20/40
CPCG06Q20/4014
Inventor 徐青罗云彬
Owner CHINA UNITED NETWORK COMM GRP CO LTD
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