CN103295130A - Payment system with dual authentication paths and corresponding method - Google Patents
Payment system with dual authentication paths and corresponding method Download PDFInfo
- Publication number
- CN103295130A CN103295130A CN2012100442239A CN201210044223A CN103295130A CN 103295130 A CN103295130 A CN 103295130A CN 2012100442239 A CN2012100442239 A CN 2012100442239A CN 201210044223 A CN201210044223 A CN 201210044223A CN 103295130 A CN103295130 A CN 103295130A
- Authority
- CN
- China
- Prior art keywords
- card
- computer system
- payment
- bank
- centralized computer
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 15
- 230000009977 dual effect Effects 0.000 title abstract 3
- 230000000903 blocking effect Effects 0.000 claims description 11
- 230000002452 interceptive effect Effects 0.000 claims description 7
- 230000015572 biosynthetic process Effects 0.000 claims description 5
- 238000004891 communication Methods 0.000 claims description 5
- 238000012011 method of payment Methods 0.000 claims description 2
- 238000005516 engineering process Methods 0.000 description 4
- 241001061264 Astragalus Species 0.000 description 2
- 238000012790 confirmation Methods 0.000 description 2
- 238000010200 validation analysis Methods 0.000 description 1
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a payment system with dual authentication paths and a corresponding method. The payment system with the dual authentication paths and the corresponding method comprise the following steps that a first authentication path is formed from a POS terminal (3) to a card-issuing bank card center computer system (2) through a payment network (4) and an order-receiving bank card center computer system (1); a second authentication path is formed from a cell phone (6) of a card owner to the card-issuing bank card center computer system (2) through a telephone network (5); when the card owner uses a bank card (7) for payment, first authentication information of a transaction is transmitted from the POS terminal (3) of a commercial tenant making collections to the card-issuing bank card center computer system (2) for authentication through the first authentication path, the card owner initiatively transmits second authentication information of the transaction from the cell phone (6) of the card owner to the card-issuing bank card center computer system (2) for authentication through the second authentication path, and the card-issuing bank card center computer system (2) examines and approves the payment of the transaction to the order-receiving bank card center computer system (1) after authenticating the correctness of the first authentication information and the second authentication information respectively.
Description
[technical field]
The present invention relates to the financial payment technology, particularly relate to a kind of payment system and correlation method that adopts the double authentication path.
[background technology]
Present existing mobile-phone payment technology is come Confirm Bank's card transaction by mobile phone, when the card instigator concludes the business with bank card, the main mobile phone of card is initiatively sent a telegraph at the bank card center, to obtain the main affirmation information on its mobile phone of card, check confirmation errorless after, this transaction is is just checked and approved at the bank card center.When if the main mobile phone of card is sent a telegraph at the bank card center, can't connect the main mobile phone of card for various reasons, or the main incoming call of failing in time to answer the bank card center of card, or behind the main incoming call of answering the bank card center of card timely input validation information is not arranged, the bank card centronucleus is incured loss through delay to confirmation in the capital, cause the bank card center just to refuse to check and approve this transaction, make Fail Transaction, being one has problem to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of payment system and correlation method that adopts the double authentication path, is encountered problems to solve in the above-mentioned mobile-phone payment technology, realizes safe and reliable bank card payment application.
The object of the present invention is achieved like this, adopt a kind of like this payment system that adopts the double authentication path, for the payment of carrying out with bank card, it is characterized in that, described system includes card centralized computer system (1) of merchant bank, issuing bank blocks centralized computer system (2) and is arranged at the POS machine (3) of gathering trade company, wherein, POS machine (3) blocks centralized computer system (1) phase telecommunication by payment network (4) with merchant bank and is connected, card centralized computer system of merchant bank (1) blocks centralized computer system (2) phase telecommunication with issuing bank and is connected, and passes through payment network (4) from POS machine (3), card centralized computer system of card centralized computer system of merchant bank (1) to issuing bank (2) forms first certification path; Card centralized computer system of issuing bank (2) is provided with the interactive voice answering device, card centralized computer system of issuing bank (2) uses described interactive voice answering device to communicate by telephone network (5) and the main mobile phone of card (6), formation is passed through telephone network (5) to second certification path between the card centralized computer system of issuing bank (2) from blocking main mobile phone (6), and, card centralized computer system of issuing bank (2) is provided with the main bank card account of card, main main mobile phone (6) the telephone number registers and binds of in advance it being blocked of card is to this bank card account, and preestablish corresponding to the bank card password of first authentication information and corresponding to the affirmation password of second authentication information, and, card is instigated with its bank card (7) when paying, first authentication information of this payment transaction is sent to issuing bank card centralized computer system (2) from the POS machine (3) of gathering trade company by first certification path and authenticates, and card chief commander second authentication information is sent to card centralized computer system of issuing bank (2) by second certification path and authenticates from blocking main mobile phone (6), and card centralized computer system of issuing bank (2) authenticates first authentication information and second authentication information respectively and just checks and approves this payment to card centralized computer system of merchant bank (1) after errorless.
And, adopt a kind of like this method of payment that adopts the double authentication path, for the payment of carrying out with bank card, it is characterized in that, described method is included in card to be instigated with its bank card (7) when paying, first authentication information of this payment transaction is sent to issuing bank card centralized computer system (2) from the POS machine (3) of gathering trade company by first certification path and authenticates, and card chief commander second authentication information is sent to card centralized computer system of issuing bank (2) by second certification path and authenticates from blocking main mobile phone (6), and card centralized computer system of issuing bank (2) authenticates first authentication information and second authentication information respectively and just checks and approves this payment to card centralized computer system of merchant bank (1) after errorless.
So just realized purpose of the present invention well.
The present invention is sent to authentication information issuing bank card center respectively by two different paths and authenticates, wherein, second authentication information is initiatively to use it to block main mobile phone (6) by the card master to send to card centralized computer system (2) of issuing bank, the time that sends oneself is selected by card is main, the card master knows the payment of oneself will swiping the card, can before taking place, transaction send, just send in the time of also can swiping the card, so just avoided second authentication information occurring and incured loss through delay the situation that arrives card centralized computer system of issuing bank (2), reduced the Fail Transaction that causes because of delay.
[description of drawings]
Fig. 1 is the image schematic illustration of the payment system in employing double authentication of the present invention path.
Accompanying drawing is schematically, in order to formation of the present invention and principal character to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the image schematic illustration of the payment system in employing double authentication of the present invention path, system shown in Fig. 1 includes card centralized computer system (1) of merchant bank, issuing bank blocks centralized computer system (2) and is arranged at the POS machine (3) of gathering trade company, wherein, POS machine (3) blocks centralized computer system (1) phase telecommunication by payment network (4) with merchant bank and is connected, card centralized computer system of merchant bank (1) blocks centralized computer system (2) phase telecommunication with issuing bank and is connected, and passes through payment network (4) from POS machine (3), card centralized computer system of card centralized computer system of merchant bank (1) to issuing bank (2) forms first certification path; Card centralized computer system of issuing bank (2) is provided with the interactive voice answering device, card centralized computer system of issuing bank (2) uses described interactive voice answering device to communicate by telephone network (5) and the main mobile phone of card (6), formation is passed through telephone network (5) to second certification path between the card centralized computer system of issuing bank (2) from blocking main mobile phone (6), and, card centralized computer system of issuing bank (2) is provided with the main bank card account of card, main main mobile phone (6) the telephone number registers and binds of in advance it being blocked of card is to this bank card account, and preestablish corresponding to the bank card password of first authentication information and corresponding to the affirmation password of second authentication information, issuing bank card centralized computer system (2) be provided with for the interactive voice answering device of card main mobile phone (6) communication, can communicate by telephone network (5) and the main mobile phone of card (6), and, card is instigated with its bank card (7) when paying, first authentication information of this payment transaction is sent to issuing bank card centralized computer system (2) from the POS machine (3) of gathering trade company by first certification path and authenticates, and before payment or payment when carrying out, card chief commander second authentication information is sent to card centralized computer system of issuing bank (2) by second certification path and authenticates from blocking main mobile phone (6), issuing bank card centralized computer system (2) authenticates first authentication information and second authentication information respectively and just checks and approves this payment to card centralized computer system of merchant bank (1) after errorless, card centralized computer system of merchant bank (1) just sends Transaction Success information to the POS machine (3) of gathering trade company then, print the transaction receipt by POS machine (3), transaction is finished.
Continue to consult Fig. 1, the method that payment system shown in Fig. 1 adopts is included in card to be instigated with its bank card (7) when paying, first authentication information of this payment transaction is sent to issuing bank card centralized computer system (2) from the POS machine (3) of gathering trade company by first certification path and authenticates, and before payment or payment when carrying out, card chief commander second authentication information is sent to card centralized computer system of issuing bank (2) by second certification path and authenticates from blocking main mobile phone (6); Wherein, described first certification path is from the communication path of POS machine (3) by forming between payment network (4), the card centralized computer system of card centralized computer system of merchant bank (1) to issuing bank (2) that is arranged at gathering trade company, in the drawings with 1 sign of the anti-white numeral of dark circles astragal; Described second certification path is from blocking main mobile phone (6) by the communication path of telephone network (5) to formation between the card centralized computer system of issuing bank (2), in the drawings with 2 signs of the anti-white numeral of dark circles astragal; Issuing bank card centralized computer system (2) authenticates first authentication information and second authentication information respectively and just checks and approves this payment to card centralized computer system of merchant bank (1) after errorless.
Continue to consult Fig. 1, card centralized computer system of issuing bank (2) shown in Fig. 1 is provided with the main bank card account of card, card mainly blocks it main mobile phone (6) telephone number registers and binds in advance to this bank card account, and preestablishes corresponding to the bank card account password of first authentication information and corresponding to the affirmation password of second authentication information.In this manual, described bank card (7) can be credit or debit card or the smart card etc. and so on of withdrawing the money card or being used for payment are used for payment by financial institution's distribution card.In addition, described first authentication information comprises bank card number and account password; Described second authentication information comprises the main mobile phone of card (6) telephone number and/or confirms password and/or payment.In addition, described second authentication information can send card centralized computer system (2) of issuing bank to from blocking main mobile phone (6) by modes such as note, multimedia message, e-mail, GPRS, surfing Internets with cell phone.
Below described feature of the present invention in detail, though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Payment system and the correlation method in employing double authentication of the present invention path can solve the delay problem that present general mobile-phone payment runs into, and enforcement of the present invention can improve bank card with card safety, to bank and bank card user benifit very all.
Claims (9)
1. payment system that adopts the double authentication path, for the payment of carrying out with bank card, it is characterized in that, described system includes card centralized computer system (1) of merchant bank, issuing bank blocks centralized computer system (2) and is arranged at the POS machine (3) of gathering trade company, wherein, POS machine (3) blocks centralized computer system (1) phase telecommunication by payment network (4) with merchant bank and is connected, card centralized computer system of merchant bank (1) blocks centralized computer system (2) phase telecommunication with issuing bank and is connected, and passes through payment network (4) from POS machine (3), card centralized computer system of card centralized computer system of merchant bank (1) to issuing bank (2) forms first certification path; Card centralized computer system of issuing bank (2) is provided with the interactive voice answering device, card centralized computer system of issuing bank (2) uses described interactive voice answering device to communicate by telephone network (5) and the main mobile phone of card (6), formation is passed through telephone network (5) to second certification path between the card centralized computer system of issuing bank (2) from blocking main mobile phone (6), and, card is instigated with its bank card (7) when paying, first authentication information of this payment transaction is sent to issuing bank card centralized computer system (2) from the POS machine (3) of gathering trade company by first certification path and authenticates, and card chief commander second authentication information is sent to card centralized computer system of issuing bank (2) by second certification path and authenticates from blocking main mobile phone (6), and card centralized computer system of issuing bank (2) authenticates first authentication information and second authentication information respectively and just checks and approves this payment to card centralized computer system of merchant bank (1) after errorless.
2. the payment system in employing double authentication as claimed in claim 1 path is characterized in that, described bank card (7) is credit or debit card or the card or be used for the smart card of payment of withdrawing the money.
3. the payment system in employing double authentication as claimed in claim 1 path is characterized in that described first authentication information comprises bank card number and account password.
4. the payment system in employing double authentication as claimed in claim 1 path is characterized in that, described second authentication information comprises the main mobile phone of card (6) telephone number and/or confirms password and/or payment.
5. method of payment that adopts the double authentication path, for the payment of carrying out with bank card, it is characterized in that, described method is included in card to be instigated with its bank card (7) when paying, first authentication information of this payment transaction is sent to issuing bank card centralized computer system (2) from the POS machine (3) of gathering trade company by first certification path and authenticates, and card chief commander second authentication information is sent to card centralized computer system of issuing bank (2) by second certification path and authenticates from blocking main mobile phone (6), and card centralized computer system of issuing bank (2) authenticates first authentication information and second authentication information respectively and just checks and approves this payment to card centralized computer system of merchant bank (1) after errorless.
6. the method for payment in employing double authentication as claimed in claim 5 path, it is characterized in that described first certification path is the communication path of POS machine (3) by forming between payment network (4), the card centralized computer system of card centralized computer system of merchant bank (1) to issuing bank (2) from being arranged at gathering trade company.
7. the method for payment in employing double authentication as claimed in claim 5 path is characterized in that, described second certification path be from block main mobile phone (6) by telephone network (5) to the communication path that forms between the card centralized computer system of issuing bank (2).
8. the method for payment in employing double authentication as claimed in claim 5 path, it is characterized in that, described card centralized computer system of issuing bank (2) is provided with the main bank card account of card, main main mobile phone (6) the telephone number registers and binds of in advance it being blocked of card is to this bank card account, and preestablishes corresponding to the bank card account password of first authentication information and corresponding to the affirmation password of second authentication information.
9. the method for payment in employing double authentication as claimed in claim 5 path is characterized in that, described bank card (7) is credit or debit card or the card or be used for the smart card of payment of withdrawing the money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012100442239A CN103295130A (en) | 2012-02-24 | 2012-02-24 | Payment system with dual authentication paths and corresponding method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012100442239A CN103295130A (en) | 2012-02-24 | 2012-02-24 | Payment system with dual authentication paths and corresponding method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103295130A true CN103295130A (en) | 2013-09-11 |
Family
ID=49095946
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2012100442239A Pending CN103295130A (en) | 2012-02-24 | 2012-02-24 | Payment system with dual authentication paths and corresponding method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103295130A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106161338A (en) * | 2015-03-26 | 2016-11-23 | 阿里巴巴集团控股有限公司 | For verifying the method and device of user identity |
| CN107679846A (en) * | 2017-09-29 | 2018-02-09 | 南京中高知识产权股份有限公司 | Businessman's secure payment platform and its method of work |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070067833A1 (en) * | 2005-09-20 | 2007-03-22 | Colnot Vincent C | Methods and Apparatus for Enabling Secure Network-Based Transactions |
| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN101964090A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards |
-
2012
- 2012-02-24 CN CN2012100442239A patent/CN103295130A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070067833A1 (en) * | 2005-09-20 | 2007-03-22 | Colnot Vincent C | Methods and Apparatus for Enabling Secure Network-Based Transactions |
| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN101964090A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106161338A (en) * | 2015-03-26 | 2016-11-23 | 阿里巴巴集团控股有限公司 | For verifying the method and device of user identity |
| CN107679846A (en) * | 2017-09-29 | 2018-02-09 | 南京中高知识产权股份有限公司 | Businessman's secure payment platform and its method of work |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103164911B (en) | A kind of Swiping-card payment system and method | |
| KR20100138887A (en) | SIM chip bank system and method | |
| CN101814169A (en) | Method and device for realizing secure payment based on payment confirmation terminal and digital certification | |
| CN103530957A (en) | Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment | |
| CN104715371A (en) | Safe payment method adopting voiceprint to identify identity and corresponding system | |
| CN101464981A (en) | Bank card account security system and method through mobile phone orientation authentication card owner identification | |
| CN108734452A (en) | Internet resource transfer method, transfer method and device | |
| CN101964090A (en) | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards | |
| KR20170033810A (en) | Device, system and method for efficiently servicing high volume electronic transactions | |
| CN102610043B (en) | Mobile terminal with virtual card-swiping function | |
| CN103577979A (en) | Mobile payment system applying two-dimensional bar code and corresponding method | |
| CN104376456A (en) | Mobile amount transfer system with real-time communication and voice communication combined and corresponding method | |
| CN110766397B (en) | Near field payment method based on data identification model | |
| CN101751627A (en) | Bank card payment system and corresponding payment method used for non-face-to-face payment | |
| CN101308559A (en) | WIFI mobile phone payment terminal, method and system | |
| CN103955828A (en) | System and method for point-to-point payment | |
| CN202694458U (en) | Online payment system based on mobile intelligent communication equipment | |
| WO2009129749A1 (en) | Mobile phone payment method, system and terminal | |
| CN103295130A (en) | Payment system with dual authentication paths and corresponding method | |
| CN102024216A (en) | System and method of fund receipt and payment through cell-phone | |
| CN104574691A (en) | Service processing method and system based on automatic teller machine | |
| CN101964125A (en) | Mobile phone payment system authenticated by double communication paths and corresponding method | |
| CN108038680A (en) | A kind of flexible method of payment | |
| CN101339684A (en) | Infra-red ray mobile phones payment terminal, payment procedure and system | |
| CN103577981A (en) | Mobile payment system and method using two-dimensional bar codes |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20130911 |
|
| WD01 | Invention patent application deemed withdrawn after publication |