HK1221565B - Method, device and system for payment authentication - Google Patents

Description

Payment verification method, device and system

Technical Field

The present application relates to the field of verification of payer terminal identity information and its geographic location information, and specifically to a payment verification method, device and system.

Background Art

With the development of the internet, mobile payment has become a widely used payment method in daily life. Mobile payment is a new payment method that uses mobile devices to complete payments wirelessly. The payment terminal used for mobile payment can be a mobile phone, PDA, mobile PC, etc. Mobile payment is more convenient and fast, and people often choose to complete payments after shopping, dining, and other consumption. To facilitate user management and ensure user security, most payment platforms require users to log in before making a payment. Specifically, users enter their account name and corresponding password on the login screen displayed on their mobile phone or mobile PC. Only after passing server-side verification can they proceed with the payment process.

However, relying solely on the "account + password" verification method to verify the payment process remains difficult to ensure. Once an account and password are stolen, it can cause inconvenience to users, and even financial losses. To prevent this, some payment platforms link the user's account and password to their mobile phone number. In addition to the "account + password" verification method, payment security is further enhanced by sending a text message verification code to the pre-linked mobile phone number for verification. However, in practice, this method still presents significant security risks. Due to the significant vulnerability of SMS verification code leaks in current network environments, even if a user has linked their account to their mobile phone number, if an unauthorized user steals the user's account and password and then obtains the SMS verification code through fraudulent means or by exploiting a Trojan horse on a mobile device to transfer SMS messages, the unauthorized user can then complete payment transactions under the identity of the legitimate user.

Existing technologies cannot effectively guarantee the security of the payment process, and therefore may cause financial losses and unnecessary troubles to legitimate users.

Summary of the Invention

The present application provides a payment verification method, device and system to solve the problem that the existing technology cannot well guarantee the security of the payment process.

This application provides a payment verification method, including:

Receiving a verification request from a terminal of a payer to be verified requesting connection to a receiver AP and geographic location information of the receiver AP, wherein the verification request includes account information of the payer to be verified;

Verifying the account information of the payee to be verified according to the verification request, and determining whether the account information of the payee to be verified matches the pre-stored payment account information;

Feedback the verification result of the verification request to the receiving AP;

If the verification result of the verification request is a match, receiving a payment server-side request for verification of the payer's terminal geographic location information;

Verify the geographic location information of the payer terminal to be verified based on the geographic location information of the receiver AP, and determine whether the geographic location information of the receiver AP matches the pre-stored registered geographic location information of the receiver AP;

Feedback the payment server with the verification result of the geographic location information verification request of the payer terminal.

Preferably, it also includes:

Receiving the payer terminal identification information to be verified sent by the receiving AP;

If the verification result of the verification request is a match, receiving the payer terminal identity information verification request sent by the payment server;

Determining whether the payer terminal identification information to be verified matches the payer terminal identification information pre-bound to the pre-stored payment account information;

Feedback the verification result of the payer terminal identity information verification request to the payment server.

Preferably, the identification information of the payer terminal to be verified is one or more of the network card MAC address of the payer terminal to be verified, the Bluetooth MAC address of the payer terminal to be verified, or the IMEI number of the payer terminal to be verified.

Preferably, the account information of the payer to be verified includes the payment account to be verified and the password of the payment account to be verified.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

Receive and store payment account information and payer terminal identification information sent by the payer terminal;

Establishing a binding relationship between the payment account information and the payer terminal identification information.

Preferably, the payer terminal identification information is one or more of the payer terminal network card MAC address, the payer terminal Bluetooth MAC address or the payer terminal IMEI number.

Preferably, the payment account information includes a payment account number and a password for the payment account number.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

Receive and store the geographical location information of the registered recipient AP.

Preferably, it also includes:

Receiving the receiving AP identification information sent by the receiving AP;

Determining whether the receiving AP identification information matches the pre-stored registered receiving AP identification information;

Send the matching result of the recipient AP identification information to the payment server.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

Receive and store identification information of registered receiver APs;

A correspondence between the identification information of the registered receiver AP and the pre-stored geographical location information of the registered receiver AP is established.

Preferably, the identification information of the registered receiver AP is the MAC address of the registered receiver AP.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

Receive and store the name information and other information of the receiver to which the registered receiver AP belongs;

A correspondence between the identification information of the registered receiver AP and the name information and other information of the receiver to which the registered receiver AP belongs is established.

Accordingly, the present application also provides a payment verification device, comprising:

a verification request receiving unit, configured to receive a verification request from a terminal of a payer to be verified requesting connection to a receiver AP and geographic location information of the receiver AP, wherein the verification request includes account information of the payer to be verified;

a verification request verification unit, configured to verify the account information of the payee to be verified according to the verification request, and determine whether the account information of the payee to be verified matches the pre-stored payment account information;

A verification result sending unit, configured to feed back the verification result of the verification request to the receiving AP;

a payer terminal geographic location information verification request receiving unit, configured to receive the payer terminal geographic location information verification request sent by the payment server if the verification result of the verification request is a match;

The payer terminal geographical location information verification unit is used to verify the geographical location information of the payer terminal to be verified based on the geographical location information of the receiver AP, and determine whether the geographical location information of the receiver AP matches the pre-stored registered geographical location information of the receiver AP;

The payer terminal geographic location information verification result sending unit is used to feed back the verification result of the payer terminal geographic location information verification request to the payment server.

Preferably, it also includes:

The payer terminal identification information receiving unit to be verified is used to receive the payer terminal identification information to be verified sent by the receiving AP;

a payer terminal identity information verification request receiving unit, configured to receive the payer terminal identity information verification request sent by the payment server if the verification result of the verification request is a match;

a payer terminal identity information verification request verification unit, configured to determine whether the payer terminal identification information to be verified matches the payer terminal identification information pre-bound to the pre-stored payment account information;

The payer terminal identity information verification result sending unit is used to feed back the verification result of the payer terminal identity information verification request to the payment server.

Preferably, the identification information of the payer terminal to be verified is one or more of the network card MAC address of the payer terminal to be verified, the Bluetooth MAC address of the payer terminal to be verified, or the IMEI number of the payer terminal to be verified.

Preferably, the account information of the payer to be verified includes the payment account to be verified and the password of the payment account to be verified.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

The payer terminal information pre-storage unit is used to receive and store the payment account information and payer terminal identification information sent by the payer terminal;

The payer terminal information binding unit is used to establish a binding relationship between the payment account information and the payer terminal identification information.

Preferably, the payer terminal identification information is one or more of the payer terminal network card MAC address, the payer terminal Bluetooth MAC address or the payer terminal IMEI number.

Preferably, the payment account information includes a payment account number and a password for the payment account number.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

The geographical location information pre-storage unit is used to receive and store the geographical location information of the registered receiver AP.

Preferably, it also includes:

A receiving AP identification information receiving unit, configured to receive the receiving AP identification information sent by the receiving AP;

a receiving AP identification information verification unit, configured to determine whether the receiving AP identification information matches the pre-stored registered receiving AP identification information;

The receiver AP identification information verification result sending unit is used to send the matching result of the receiver AP identification information to the payment server.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

A registered receiver AP identification information pre-storage unit, configured to receive and store the identification information of the registered receiver AP;

The registered receiver AP identification information matching unit is configured to establish a corresponding relationship between the identification information of the registered receiver AP and the pre-stored geographical location information of the registered receiver AP.

Preferably, the identification information of the registered receiver AP is the MAC address of the registered receiver AP.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

A registered receiver AP related information receiving unit, configured to receive and store the name information and other information of the receiver to which the registered receiver AP belongs;

The registered receiver AP related information matching unit is used to establish a corresponding relationship between the identification information of the registered receiver AP and the name information and other information of the receiver to which the registered receiver AP belongs.

This application provides a payment method, including:

Sending a verification request to the receiving AP requesting connection to the receiving AP, wherein the verification request includes the account information of the payer to be verified;

receiving a verification result of the verification request sent by the receiving AP;

If the verification result of the verification request is that the connection is successful, sending a payment request to the payment server;

Receive the payment result of the payment request sent by the payment server.

Accordingly, the present application also provides a payment device, comprising:

a verification request sending unit, configured to send a verification request to the receiving AP requesting connection to the receiving AP, wherein the verification request includes account information of the payer to be verified;

a verification request result receiving unit, configured to receive the verification result of the verification request sent by the receiving AP;

a payment request sending unit, configured to send a payment request to a payment server if the verification result of the verification request is that the connection is successful;

The payment request result receiving unit is used to receive the payment result of the payment request sent by the payment server.

This application provides a payment settlement method, including:

Receiving a connection verification request sent by a terminal of the payer to be verified, wherein the verification request includes account information of the payer to be verified;

Sending the verification request and the geographic location information of the recipient AP to the server;

receiving a verification result of the verification request sent by the server;

If the verification result of the verification request is successful, the terminal of the payer to be verified is connected via a network, and the verification result of the verification request is sent to the terminal of the payer to be verified.

Accordingly, the present application also provides a payment settlement device, comprising:

a connection verification request receiving unit, configured to receive a connection verification request sent by a terminal of a payer to be verified, wherein the verification request includes account information of the payer to be verified;

A connection verification request sending unit is used to send the verification request and the geographical location information of the receiving AP to the server;

a connection request verification result receiving unit, configured to receive the verification result of the verification request sent by the server;

The connection request verification result sending unit is used to connect to the payee terminal to be verified through the network and send the verification result of the verification request to the payee terminal to be verified if the verification result of the verification request is successful.

This application provides a payment execution method, including:

Receive a payment request sent by a payer terminal to be verified;

Send a request to the server for verification of the payer's terminal's geographic location information;

Receiving a verification result of the payer terminal geographic location information verification request sent by the server;

Sending the payment result of the payment request to the payer terminal to be verified.

Accordingly, the present application also provides a payment execution device, comprising:

A payment request receiving unit, configured to receive a payment request sent by a payer terminal to be verified;

The payer terminal geographic location information verification request sending unit is used to send the payer terminal geographic location information verification request to the server;

a payer terminal geographic location information verification result receiving unit, configured to receive the verification result of the payer terminal geographic location information verification request sent by the server;

The payment request result sending unit is used to send the payment result of the payment request to the payer terminal to be verified.

Correspondingly, the present application also provides a payment verification system, comprising: a payment verification device according to the above claims, a payment device according to the above claims, a payment settlement device according to the above claims, and a payment execution device according to the above claims.

Compared with the prior art, this application has the following advantages:

The present application provides a payment verification method, device, and system. The method comprises receiving a verification request from a payee terminal to be verified requesting connection to a receiver AP (wireless access point) and geographic location information of the receiver AP, the verification request including the account information of the payee to be verified; verifying the account information of the payee to be verified based on the verification request to determine whether the account information of the payee to be verified matches pre-stored payment account information; and feeding back a verification result of the verification request to the receiver AP. If the verification result of the verification request is a match, the method receives a payee terminal geographic location information verification request from a payment server; verifying the geographic location information of the payee terminal to be verified based on the geographic location information of the receiver AP to determine whether the geographic location information of the receiver AP matches pre-stored geographic location information of registered receiver APs; and feeding back a verification result of the payee terminal geographic location information verification request to the payment server. In this way, verification of the payee terminal's geographic location information is added to the verification of the payee's account and password, enabling the payment platform to confirm that a payment operation to be performed with a certain account is an operation by a legitimate user, thereby increasing the security of the payment process and avoiding financial losses and unnecessary trouble for legitimate users. At the same time, the location of illegal users can be located by verifying the geographic location information of the payer's terminal, making it easier to track illegal users.

BRIEF DESCRIPTION OF THE DRAWINGS

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments recorded in this application. For ordinary technicians in this field, other drawings can also be obtained based on these drawings.

FIG1 is a flow chart of an embodiment of a payment verification method of the present application;

FIG2 is a schematic diagram of an embodiment of a payment verification device of the present application;

FIG3 is a schematic diagram of an embodiment of the payment verification system of the present application.

DETAILED DESCRIPTION

The present application provides a payment verification method and apparatus, a payment method and apparatus, a payment settlement method and apparatus, a payment execution method and apparatus, and a payment verification system. The following are specific embodiments:

The term "AP" in all of the following embodiments is short for "Access Point," also known as a wireless access point, session point, or access bridge. The AP includes both simple wireless access points (wireless APs) and wireless routers (including wireless gateways and wireless bridges).

The MAC mentioned in all the following embodiments is the abbreviation of “Media Access Control”, also known as media access control, which is an identifier for identifying LAN (local area network) nodes.

As shown in Figure 1, it is a flow chart of an embodiment of the payment verification method of the present application. The method comprises the following steps:

Step S101: receiving a verification request from a terminal of a payer to be verified requesting to connect to a receiver AP and geographic location information of the receiver AP, wherein the verification request includes account information of the payer to be verified.

When the WiFi function module of the payee terminal to be verified requests to connect to the receiving AP, the payee terminal to be verified will send a verification request to the receiving AP's WiFi device to the receiving AP. The verification request includes the account information of the payee to be verified. The receiving AP then sends the received verification request to the server, which receives the verification request. This allows the server to ultimately obtain the account information of the payee to be verified by utilizing the verification request sent when the WiFi function module of the payee terminal to be verified connects to the receiving AP. This allows the server to verify the account information of the payee to be verified on the server in subsequent steps, ultimately verifying the payee's payment account via WiFi. At the same time, the result of verifying the account information of the payee to be verified can be used as the result of the WiFi connection verification request, reducing the need for users to enter account information multiple times when making payments by connecting to the WiFi Internet, i.e., entering the WiFi password when connecting to WiFi and entering the payment account and its password when making payments.

When the receiving AP sends the received verification request to the server, it can use its own geographic location information as the geographic location information of the payer's terminal to be verified and send it to the server at the same time. This provides relevant information for the server to verify the payer's terminal's geographic location information in subsequent steps, ultimately achieving verification of the payer's terminal's geographic location information via WiFi.

Step S102: Verify the account information of the payee to be verified according to the verification request, and determine whether the account information of the payee to be verified matches the pre-stored payment account information.

The server side will compare the payment account information pre-stored in the database with the account information of the payee to be verified received in the above step. If the account information to be verified entered by the payee is the account information registered and applied for on the payment platform, the server side will search the database for the pre-stored payment account information that matches the account information of the payee to be verified, and the judgment result is a match; if the payment account information to be verified entered by the payee is not the account information registered and applied for on the payment platform, the server side will not search the database for the pre-stored payment account information that matches the account information of the payee to be verified, and the judgment result is a mismatch. This step can be used to verify the payment account information to be verified entered by the payee, ensure the security of the legitimate user account, and then ensure the security of the payment process, avoiding economic losses and unnecessary troubles for legitimate users.

Step S103: Feedback the verification result of the verification request to the receiving AP.

The matching result of the account information of the payee to be verified and the pre-stored payment account information is sent to the receiving AP as the verification result of the verification request. The receiving AP performs relevant operations based on the verification result of the received verification request. That is, if the verification result of the verification request is that the account information of the payee to be verified matches the pre-stored payment account information, it can be determined that the account information of the payee to be verified is real payment account information, and the receiving AP will allow the payee to be verified terminal to connect to the receiving AP via WiFi, and the receiving AP will send the connection success information as the verification result of the verification request of the payee to be verified terminal requesting to connect to the receiving AP to facilitate the payee to perform subsequent payment operations. Otherwise, it can be determined that the account information of the payee to be verified is false payment account information, and the payee to be verified terminal is not allowed to connect to the receiving AP, and the receiving AP will send the connection failure information as the verification result of the verification request of the payee to be verified terminal requesting to connect to the receiving AP to terminate the payment operation. This prevents illegal users from performing payment operations, protects the security of legitimate user accounts, and increases the security of the payment process.

Step S104: If the verification result of the verification request is a match, a payment server receives a payment server-side request for verifying the geographic location information of the payer terminal.

If the verification result of the verification request is that the account information of the payee to be verified matches the pre-stored payment account information, the receiving AP will allow the payee terminal to be verified to connect to the receiving AP via WiFi, and the payee terminal to be verified can send a payment request to the payment server through the network. In order to increase the security of the payment process, after the payment server receives the payment request, the payment server needs to send a payee terminal geographic location information verification request to the server, requesting the server to verify the payee terminal geographic location information. The payment server will then wait for the verification result of the payee terminal geographic location information before performing relevant payment operations. The server will receive the payee terminal geographic location information verification request sent by the payment server, so as to promptly start the verification operation of the payee terminal geographic location information sent by the payment server.

Step S105: Verify the geographic location information of the payer terminal to be verified based on the geographic location information of the receiver AP, and determine whether the geographic location information of the receiver AP matches the pre-stored registered geographic location information of the receiver AP.

In the above steps, when the receiving AP sends the verification request received from the payee terminal to the server requesting the payee terminal to connect to the receiving AP, the receiving AP has already sent the receiving AP's geographic location information as the geographic location information of the payee terminal to the server. This allows the receiving AP to verify the geographic location information of the payee terminal to be verified based on the received geographic location information of the receiving AP, and determine whether the geographic location information of the receiving AP matches the pre-stored geographic location information of the registered receiving AP.

When judging whether the geographic location information of the receiver AP matches the pre-stored geographic location information of the registered receiver AP, the server side will compare the geographic location information of the registered receiver AP pre-stored in the database with the geographic location information of the receiver AP received at the time of payment, so as to confirm whether the payer is in a payment place authenticated by the payment platform. If the payer is in a payment place authenticated by the payment platform, the judgment result is a match; otherwise, the judgment result is a mismatch. This makes it possible to judge whether the payer terminal is in a payment place authenticated by the payment platform during the payment process, that is, to verify the geographic location information of the payer terminal, so that the payment platform can confirm that the payment operation to be performed with a certain account is the operation of a legitimate user, thereby increasing the security of the payment process and avoiding economic losses and unnecessary troubles for legitimate users. At the same time, the location of illegal users can be located by verifying the geographic location information of the payer terminal, thereby facilitating the tracking of illegal users.

Step S106: Feedback the verification result of the payer terminal's geographical location information verification request to the payment server.

After verifying the payee's terminal's geographic location information, the server must send the payee's terminal's geographic location information verification result to the payment server to facilitate the payment server's related operations. Specifically, if the payee's terminal's geographic location information verification result is a match, the payment server can confirm that the payment operation performed with the payment account to be verified is an operation by a legitimate user. The payment server then executes the relevant payment operation and sends the payment success information as the payment result to the payee's terminal to be verified. Otherwise, the payment server can confirm that the payment operation performed with the payment account to be verified is an operation by an illegal user, refuse to execute the relevant payment operation, and send the payment failure information as the payment result to the payee's terminal to be verified. This allows the payee's terminal's geographic location information to be verified over WiFi, in addition to verifying the payee's account and password. This allows the payment platform to confirm that the payment operation to be performed with a certain account is an operation by a legitimate user, thereby increasing the security of the payment process and avoiding financial losses and unnecessary trouble for legitimate users. At the same time, by verifying the payee's terminal's geographic location information, the location of the illegal user can be located, making it easier to track illegal users.

In this embodiment, the method further includes: receiving the payer terminal identification information to be verified sent by the receiving AP; if the verification result of the verification request is a match, receiving a payer terminal identity information verification request sent by the payment server; determining whether the payer terminal identification information to be verified matches the payer terminal identification information pre-bound to the pre-stored payment account information; and feeding back the verification result of the payer terminal identity information verification request to the payment server. To further increase the security of the payment process, after the payment server receives the payment request, the payment server needs to send a payer terminal identity information verification request to the server, requesting the server to verify the payer terminal identity information.

The server side will search for the payer terminal identification information pre-bound to the payment account information to be verified based on the verified payment account information, that is, search for the payer terminal identification information pre-bound to the payment account information according to the pre-stored payment account information. After searching for the payer terminal identification information pre-bound to the pre-stored payment account information, it is determined whether the payer terminal identification information to be verified matches the payer terminal identification information pre-bound to the pre-stored payment account information. Since the terminal identification information can uniquely identify each terminal device, in the case that the legal user has bound his account information to his own terminal device identification information in advance, the server side can compare the payer terminal identification information to be verified received during payment with the payer terminal identification information pre-bound to the legal user's account to determine whether the payer terminal is the terminal device bound to the legal user's account. If the payer terminal to be verified is the terminal device bound to the legal user's account, the payer terminal identification information to be verified matches the payer terminal identification information pre-bound to the pre-stored payment account information; otherwise, the judgment result is mismatch. This makes it possible to identify whether the payee terminal is the account owner's own device during the payment process, that is, to verify the identity information of the payee terminal, so that the payment platform can further confirm that the payment operation to be performed with a certain account is the operation of a legitimate user, thereby further increasing the security of the payment process and avoiding economic losses and unnecessary troubles for legitimate users.

In this embodiment, the identification information of the payee terminal to be verified is one or more of the following: the MAC address of the network card of the payee terminal to be verified, the Bluetooth MAC address of the payee terminal to be verified, or the IMEI number (International Mobile Equipment Identity) of the payee terminal to be verified. These information can uniquely identify each terminal device, and the server can verify these identification information of the payee terminal to determine whether the payee terminal to be verified is the account owner's own device.

In this embodiment, the payment account information to be verified includes the payment account number to be verified and the password of the payment account number to be verified.

In this embodiment, before receiving the verification request from the payee terminal to be verified requesting connection to the receiving AP and the geographic location information of the receiving AP, the process further includes: receiving and storing the payment account information and payee terminal identification information sent by the payee terminal; and establishing a binding relationship between the payment account information and the payee terminal identification information. A legitimate user must first send their account information and their terminal device identification information to the server via their terminal device. The server then binds the legitimate user's account information to their terminal device identification information so that the payee terminal can be identified during subsequent payments.

In this embodiment, the payer terminal identification information is one or more of the payer terminal network card MAC address, the payer terminal Bluetooth MAC address or the payer terminal IMEI number.

In this embodiment, the payment account information includes the payment account number and the password of the payment account number.

In this embodiment, before receiving the verification request from the payee terminal to be verified requesting connection to the receiving AP and the geographic location information of the receiving AP, the process further includes: receiving and storing the geographic location information of the registered receiving AP. The server side needs to pre-store the geographic location information of the registered receiving AP to facilitate verification of the payment location where the payee terminal is located during payment.

In this embodiment, the method further includes: receiving the receiver AP identification information sent by the receiver AP; determining whether the receiver AP identification information matches the pre-stored registered receiver AP identification information; and sending the matching result of the receiver AP identification information to the payment server. In order to further increase the security of the payment process, verification of the identity of the receiver AP can be added. During the payment process, after receiving a verification request from the payee terminal to be verified requesting to connect to the receiver AP, the server can obtain the receiver AP identification information from the receiver AP, and determine in subsequent steps whether the receiver AP identification information matches the pre-stored registered receiver AP identification information. If they match, it can be confirmed that the receiver AP is an AP authenticated by the payment platform, thereby further increasing the security of the payment process and avoiding economic losses and unnecessary troubles for legitimate users. If they do not match, it can be confirmed that the receiver AP is not an AP authenticated by the payment platform, and the payment process may be dangerous.

In this embodiment, the receiving of the verification request of the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP also includes: receiving and storing the identification information of the registered receiver AP; establishing a correspondence between the identification information of the registered receiver AP and the pre-stored geographic location information of the registered receiver AP. The server side needs to pre-store the identification information of the AP authenticated by the payment platform. The payment platform can place the authenticated AP at the authenticated receiver. The server side needs to establish a correspondence between the identification information of the registered receiver AP and the pre-stored geographic location information of the registered receiver AP, so as to understand the location information of the registered receiver to which the registered receiver AP belongs. This facilitates the verification of the receiver AP during payment.

In this embodiment, the receiving AP identification information is the MAC address of the receiving AP. The MAC address of an AP uniquely identifies each AP. The server can verify the MAC address of the receiving AP to determine whether the receiving AP is an AP authenticated by the payment platform, thereby increasing the security of the payment process.

In this embodiment, before receiving the verification request from the payee terminal to be verified requesting connection to the receiving AP and the geographic location information of the receiving AP, the process further includes: receiving and storing the name information and other information of the receiving party to which the registered receiving AP belongs; and establishing a correspondence between the identification information of the registered receiving AP and the name information and other information of the receiving party to which the registered receiving AP belongs. The server may also pre-store other information such as the name of the receiving party authenticated by the payment platform to facilitate the payment platform's more detailed understanding of payment information, facilitate management, and ensure the safety of legitimate users.

In this embodiment, the above-mentioned payer terminal to be verified is a mobile terminal device, specifically a mobile phone held by the payer; the above-mentioned recipient can be a merchant store; the above-mentioned registered recipient AP can be specifically a wireless router arranged in the merchant store and verified by the payment platform.

In the above-mentioned embodiment, a payment verification method is provided. Accordingly, the present application also provides a payment verification device. Please refer to Figure 2, which is a schematic diagram of an embodiment of a payment verification device of the present application. Since the device embodiment is substantially similar to the method embodiment, the description is relatively brief. For relevant details, please refer to the description of the method embodiment. The device embodiment described below is merely illustrative.

A payment verification device according to this embodiment includes:

a verification request receiving unit, configured to receive a verification request from a terminal of a payer to be verified requesting connection to a receiver AP and geographic location information of the receiver AP, wherein the verification request includes account information of the payer to be verified;

a verification request verification unit, configured to verify the account information of the payee to be verified according to the verification request, and determine whether the account information of the payee to be verified matches the pre-stored payment account information;

A verification result sending unit, configured to feed back the verification result of the verification request to the receiving AP;

a payer terminal geographic location information verification request receiving unit, configured to receive the payer terminal geographic location information verification request sent by the payment server if the verification result of the verification request is a match;

The payer terminal geographical location information verification unit is used to verify the geographical location information of the payer terminal to be verified based on the geographical location information of the receiver AP, and determine whether the geographical location information of the receiver AP matches the pre-stored registered geographical location information of the receiver AP;

The payer terminal geographic location information verification result sending unit is used to feed back the verification result of the payer terminal geographic location information verification request to the payment server.

Preferably, it also includes:

The payer terminal identification information receiving unit to be verified is used to receive the payer terminal identification information to be verified sent by the receiving AP;

a payer terminal identity information verification request receiving unit, configured to receive the payer terminal identity information verification request sent by the payment server if the verification result of the verification request is a match;

a payer terminal identity information verification request verification unit, configured to determine whether the payer terminal identification information to be verified matches the payer terminal identification information pre-bound to the pre-stored payment account information;

The payer terminal identity information verification result sending unit is used to feed back the verification result of the payer terminal identity information verification request to the payment server.

Preferably, the identification information of the payer terminal to be verified is one or more of the network card MAC address of the payer terminal to be verified, the Bluetooth MAC address of the payer terminal to be verified, or the IMEI number of the payer terminal to be verified.

Preferably, the account information of the payer to be verified includes the payment account to be verified and the password of the payment account to be verified.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

The payer terminal information pre-storage unit is used to receive and store the payment account information and payer terminal identification information sent by the payer terminal;

The payer terminal information binding unit is used to establish a binding relationship between the payment account information and the payer terminal identification information.

Preferably, the payer terminal identification information is one or more of the payer terminal network card MAC address, the payer terminal Bluetooth MAC address or the payer terminal IMEI number.

Preferably, the payment account information includes a payment account number and a password for the payment account number.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

The geographical location information pre-storage unit is used to receive and store the geographical location information of the registered receiver AP.

Preferably, it also includes:

A receiving AP identification information receiving unit, configured to receive the receiving AP identification information sent by the receiving AP;

a receiving AP identification information verification unit, configured to determine whether the receiving AP identification information matches the pre-stored registered receiving AP identification information;

The receiver AP identification information verification result sending unit is used to send the matching result of the receiver AP identification information to the payment server.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

A registered receiver AP identification information pre-storage unit, configured to receive and store the identification information of the registered receiver AP;

The registered receiver AP identification information matching unit is configured to establish a corresponding relationship between the identification information of the registered receiver AP and the pre-stored geographical location information of the registered receiver AP.

Preferably, the identification information of the registered receiver AP is the MAC address of the registered receiver AP.

Preferably, before receiving the verification request from the payer terminal to be verified requesting connection to the receiver AP and the geographic location information of the receiver AP, the method further includes:

A registered receiver AP related information receiving unit, configured to receive and store the name information and other information of the receiver to which the registered receiver AP belongs;

The registered receiver AP related information matching unit is used to establish a corresponding relationship between the identification information of the registered receiver AP and the name information and other information of the receiver to which the registered receiver AP belongs.

Corresponding to the above-mentioned payment verification method, the present application also provides a payment method. The parts of this embodiment that are the same as the payment verification method embodiment will not be repeated here. Please refer to the corresponding parts in the payment verification method embodiment. The payment method provided by the present application includes:

Sending a verification request to the receiving AP requesting connection to the receiving AP, wherein the verification request includes the account information of the payer to be verified;

receiving a verification result of the verification request sent by the receiving AP;

If the verification result of the verification request is that the connection is successful, sending a payment request to the payment server;

Receive the payment result of the payment request sent by the payment server.

In the above embodiment, a payment method is provided. Accordingly, this application also provides a payment device. Since the device embodiment is substantially similar to the method embodiment, the description is relatively brief. For relevant details, please refer to the description of the method embodiment. The device embodiment described below is merely illustrative.

A payment device according to this embodiment includes:

a verification request sending unit, configured to send a verification request to the receiving AP requesting connection to the receiving AP, wherein the verification request includes account information of the payer to be verified;

a verification request result receiving unit, configured to receive the verification result of the verification request sent by the receiving AP;

a payment request sending unit, configured to send a payment request to a payment server if the verification result of the verification request is that the connection is successful;

The payment request result receiving unit is used to receive the payment result of the payment request sent by the payment server.

Corresponding to the above-mentioned payment verification method, the present application also provides a payment settlement method. The parts of this embodiment that are identical to the payment verification method embodiment will not be repeated here. Please refer to the corresponding parts in the payment verification method embodiment. The payment settlement method provided in the present application includes:

Receiving a connection verification request sent by a terminal of the payer to be verified, wherein the verification request includes account information of the payer to be verified;

Sending the verification request and the geographic location information of the recipient AP to the server;

receiving a verification result of the verification request sent by the server;

If the verification result of the verification request is successful, the terminal of the payer to be verified is connected via a network, and the verification result of the verification request is sent to the terminal of the payer to be verified.

In the above-mentioned embodiments, a payment settlement method is provided. Accordingly, this application also provides a payment settlement device. Since the device embodiments are substantially similar to the method embodiments, the description is relatively brief. For relevant details, please refer to the description of the method embodiments. The device embodiments described below are merely illustrative.

A payment settlement device according to this embodiment includes:

a connection verification request receiving unit, configured to receive a connection verification request sent by a terminal of a payer to be verified, wherein the verification request includes account information of the payer to be verified;

A connection verification request sending unit is used to send the verification request and the geographical location information of the receiving AP to the server;

a connection request verification result receiving unit, configured to receive the verification result of the verification request sent by the server;

The connection request verification result sending unit is used to connect to the payee terminal to be verified through the network and send the verification result of the verification request to the payee terminal to be verified if the verification result of the verification request is successful.

Corresponding to the above-mentioned payment verification method, the present application also provides a payment execution method. The parts of this embodiment that are the same as the payment verification method embodiment will not be repeated here. Please refer to the corresponding parts in the payment verification method embodiment. The payment execution method provided in the present application includes:

Receive a payment request sent by a payer terminal to be verified;

Send a request to the server to verify the payer's terminal's geographic location information;

Receiving a verification result of the payer terminal geographic location information verification request sent by the server;

Sending the payment result of the payment request to the payer terminal to be verified.

In the above-mentioned embodiment, a payment execution method is provided. Accordingly, this application also provides a payment execution device. Since the device embodiment is substantially similar to the method embodiment, the description is relatively simple. For relevant details, please refer to the description of the method embodiment. The device embodiment described below is merely illustrative.

A payment execution device according to this embodiment includes:

A payment request receiving unit, configured to receive a payment request sent by a payer terminal to be verified;

A payer terminal geographic location information verification request sending unit, configured to send a payer terminal geographic location information verification request to a server;

a payer terminal geographic location information verification result receiving unit, configured to receive the verification result of the payer terminal geographic location information verification request sent by the server;

The payment request result sending unit is used to send the payment result of the payment request to the payer terminal to be verified.

As shown in Figure 3, which is a schematic diagram of an embodiment of the payment verification system provided by this application, a payment verification system includes: the above-mentioned payment verification device, the above-mentioned payment device, the above-mentioned payment settlement device, and the above-mentioned payment execution device.

The above describes in detail the embodiments of a payment verification method, device, and system provided by this application. Specific examples are used herein to illustrate the principles and implementation methods of this application. The description of the above embodiments is intended only to help understand the method and core concept of this application. At the same time, those skilled in the art will appreciate that the specific implementation methods and scope of application may vary based on the concepts of this application. In summary, the contents of this specification should not be construed as limiting this application.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and/or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

1. Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include non-transitory media such as modulated data signals and carrier waves.

2. Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

Claims (29)

1. A payment verification method, characterized in that it includes: The system receives a verification request from the payment terminal to be verified, requesting to connect to the receiving AP, and the geographical location information of the receiving AP reported by the receiving AP. The verification request includes the account information of the payment terminal to be verified. The account information of the payer to be verified is verified according to the verification request, and it is determined whether the account information of the payer to be verified matches the pre-stored payment account information. The verification result of the verification request is fed back to the receiving AP; If the verification result of the verification request is a match, receive the payment server's verification request for the payer's terminal geographical location information; The geographical location information of the receiving AP is used to verify the geographical location information of the payment terminal to be verified, and it is determined whether the geographical location information of the receiving AP matches the geographical location information of the pre-stored registered receiving APs. The verification result of the payment server's request to verify the geographical location information of the payment terminal is sent back to the payment server. 2. The payment verification method according to claim 1, characterized in that it further comprises: Receive the payment terminal identification information to be verified sent by the receiving AP; If the verification result of the verification request is a match, the payment server sends a verification request for the identity information of the payment party's terminal. Determine whether the payment terminal identification information to be verified matches the payment terminal identification information pre-bound to the pre-stored payment account information; The verification result of the payment terminal's identity information verification request is sent back to the payment server. 3. The payment verification method according to claim 2, wherein the identification information of the payment terminal to be verified is one or more of the following: the MAC address of the payment terminal's network card, the Bluetooth MAC address of the payment terminal to be verified, or the IMEI number of the payment terminal to be verified. 4. The payment verification method according to claim 1, wherein the account information of the payer to be verified includes the payment account to be verified and the password of the payment account to be verified. 5. The payment verification method according to claim 1, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: Receive and store payment account information and payment terminal identification information sent by the payment terminal; Establish a binding relationship between the payment account information and the payment terminal identification information. 6. The payment verification method according to claim 5, wherein the payment terminal identification information is one or more of the following: the payment terminal network card MAC address, the payment terminal Bluetooth MAC address, or the payment terminal IMEI number. 7. The payment verification method according to claim 5, wherein the payment account information includes a payment account number and a password for the payment account number. 8. The payment verification method according to claim 1, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: Receive and store the geographical location information of registered receiving APs. 9. The payment verification method according to claim 1, characterized in that it further comprises: Receive the receiver AP identification information sent by the receiver AP; Determine whether the identification information of the receiving AP matches the identification information of the pre-stored registered receiving APs; The matching result of the recipient's AP identification information is sent to the payment server. 10. The payment verification method according to claim 9, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: Receive and store the identification information of registered receiving APs; Establish a correspondence between the identification information of the registered receiving AP and the pre-stored geographical location information of the registered receiving AP. 11. The payment verification method according to claim 10, wherein the identification information of the registered receiving AP is the MAC address of the registered receiving AP. 12. The payment verification method according to claim 10, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: Receive and store the name information and other information of the registered receiver AP; Establish a correspondence between the identification information of the registered receiving AP and the name information and other information of the receiving party to which the registered receiving AP belongs. 13. A payment verification device, characterized in that it comprises: The verification request receiving unit is used to receive the verification request from the payment terminal to be verified requesting to connect to the receiving AP and the geographical location information of the receiving AP reported by the receiving AP. The verification request includes the account information of the payment terminal to be verified. The verification request verification unit is used to verify the account information of the payer to be verified according to the verification request, and to determine whether the account information of the payer to be verified matches the pre-stored payment account information. The verification result sending unit is used to send the verification result of the verification request back to the receiving AP; The payment terminal geolocation information verification request receiving unit is used to receive the payment terminal geolocation information verification request sent by the payment server if the verification result of the verification request is a match. The payment terminal geolocation information verification unit is used to verify the geolocation information of the payment terminal to be verified based on the geolocation information of the receiving AP, and to determine whether the geolocation information of the receiving AP matches the geolocation information of the pre-stored registered receiving APs. The payment terminal geolocation information verification result sending unit is used to send the verification result of the payment terminal geolocation information verification request back to the payment server. 14. The payment verification device according to claim 13, characterized in that it further comprises: The payment terminal identification information receiving unit is used to receive the payment terminal identification information to be verified sent by the receiving AP. A payment terminal identity information verification request receiving unit is used to receive a payment terminal identity information verification request sent by the payment server if the verification result of the verification request is a match. The payment terminal identity information verification request verification unit is used to determine whether the payment terminal identification information to be verified matches the payment terminal identification information pre-bound to the pre-stored payment account information; The payment terminal identity information verification result sending unit is used to send the verification result of the payment terminal identity information verification request back to the payment server. 15. The payment verification device according to claim 14, wherein the identification information of the payment terminal to be verified is one or more of the following: the MAC address of the payment terminal network card, the Bluetooth MAC address of the payment terminal to be verified, or the IMEI number of the payment terminal to be verified. 16. The payment verification device according to claim 13, wherein the account information of the payer to be verified includes the payment account to be verified and the password of the payment account to be verified. 17. The payment verification device according to claim 13, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: The payment terminal information pre-storage unit is used to receive and store payment account information and payment terminal identification information sent by the payment terminal; The payment terminal information binding unit is used to establish a binding relationship between the payment account information and the payment terminal identification information. 18. The payment verification device according to claim 17, wherein the payment terminal identification information is one or more of the following: the payment terminal network card MAC address, the payment terminal Bluetooth MAC address, or the payment terminal IMEI number. 19. The payment verification device according to claim 17, wherein the payment account information includes a payment account number and a password for the payment account number. 20. The payment verification device according to claim 13, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: The geolocation information pre-storage unit is used to receive and store the geolocation information of registered receiving APs. 21. The payment verification device according to claim 13, characterized in that it further comprises: The receiving AP identification information receiving unit is used to receive the receiving AP identification information sent by the receiving AP; The receiver AP identification information verification unit is used to determine whether the receiver AP identification information matches the pre-stored identification information of registered receiver APs. The receiving AP identification information verification result sending unit is used to send the matching result of the receiving AP identification information to the payment server. 22. The payment verification device according to claim 21, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: The pre-storage unit for registered receiver AP identification information is used to receive and store the identification information of registered receiver APs. The registered receiver AP identification information matching unit is used to establish the correspondence between the identification information of the registered receiver AP and the pre-stored geographical location information of the registered receiver AP. 23. The payment verification device according to claim 22, wherein the identification information of the registered receiving AP is the MAC address of the registered receiving AP. 24. The payment verification device according to claim 22, characterized in that, before receiving the verification request from the payment terminal to be verified requesting connection to the receiving AP and the geographical location information of the receiving AP, it further includes: The registered receiver AP related information receiving unit is used to receive and store the name information and other information of the receiver to which the registered receiver AP belongs; The registered receiver AP related information matching unit is used to establish the correspondence between the identification information of the registered receiver AP and the name information and other information of the receiver to which the registered receiver AP belongs. 25. A payment settlement method, characterized in that it includes: Receive a verification request for a connection sent by the terminal of the payment party to be verified, the verification request including the account information of the payment party to be verified; Send the verification request to the server and report the geographical location information of the receiving AP; Receive the verification result of the verification request sent by the server; If the verification request results in successful verification, the system connects to the payment terminal to be verified via the network and sends the verification result of the verification request to the payment terminal to be verified. 26. A payment settlement device, characterized in that it comprises: A connection verification request receiving unit is used to receive a connection verification request sent by the payment terminal to be verified, wherein the verification request includes the account information of the payment terminal to be verified. The connection verification request sending unit is used to send the verification request to the server and report the geographical location information of the receiving AP; A connection verification result receiving unit is used to receive the verification result of the verification request sent by the server. The request connection verification result sending unit is used to connect to the payment terminal to be verified via the network and send the verification result of the verification request to the payment terminal to be verified if the verification result of the verification request is successful. 27. A payment execution method, characterized in that it includes: Receive payment requests sent by the payment terminal to be verified; Send a request to the server to verify the geographical location information of the payer's terminal; The server receives the verification result of the payment terminal's geolocation information verification request sent by the server. The verification result is obtained by the server verifying the geolocation information of the payment terminal to be verified based on the received geolocation information of the receiving AP. The geolocation information of the payment terminal to be verified is the geolocation information of the receiving AP reported by the receiving AP. The payment result of the payment request is sent to the terminal of the payer to be verified. 28. A payment execution device, characterized in that it comprises: The payment request receiving unit is used to receive payment requests sent by the payment terminal to be verified. The payment terminal geolocation information verification request sending unit is used to send a payment terminal geolocation information verification request to the server. The payment terminal geolocation information verification result receiving unit is used to receive the verification result of the payment terminal geolocation information verification request sent by the server. The verification result is obtained by the server verifying the payment terminal geolocation information to be verified based on the received location information of the receiving AP. The payment terminal geolocation information to be verified is the location information of the receiving AP reported by the receiving AP. The payment request result sending unit is used to send the payment result of the payment request to the terminal of the payer to be verified. 29. A payment verification system, characterized in that it comprises: a payment verification device according to any one of claims 13 to 24, a payment settlement device according to claim 26, a payment execution device according to claim 28, and a payment device; wherein the payment device comprises: The verification request sending unit is used to send a verification request to the receiving AP to request a connection to the receiving AP. The verification request includes the account information of the payer to be verified. A verification request result receiving unit is used to receive the verification result of the verification request sent by the receiving AP; A payment request sending unit is used to send a payment request to the payment server if the verification result of the verification request is a successful connection. The payment request result receiving unit is used to receive the payment result of the payment request sent by the payment server.