WO2018068587A1 - Payment location notification method and system, and server - Google Patents
Payment location notification method and system, and server Download PDFInfo
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- WO2018068587A1 WO2018068587A1 PCT/CN2017/098792 CN2017098792W WO2018068587A1 WO 2018068587 A1 WO2018068587 A1 WO 2018068587A1 CN 2017098792 W CN2017098792 W CN 2017098792W WO 2018068587 A1 WO2018068587 A1 WO 2018068587A1
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- Prior art keywords
- payment
- location information
- location
- mobile terminal
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Definitions
- the present invention relates to the field of communications technologies, and in particular, to a payment location notification method and system, and a server.
- the embodiment of the invention provides a payment location notification method, system and server, which can timely know the risk situation and improve the user experience.
- the present invention provides a payment location notification system, including: a server and a mobile terminal wirelessly connected to the server; wherein the server includes: a receiving module, configured to receive, when the payment is performed according to the payment information sent by the mobile terminal, the mobile terminal sends the Current location information, wherein the current location information indicates a payment location of the current payment; the determining module is connected to the receiving module, and is configured to determine whether the current location information is a common payment location; the sending module is connected to the determining module, and is used for the current location.
- the information is a very useful payment location, and the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk; wherein the sending module is further configured to: send the notification short message to the preset number; and/or send the notification email to the pre-
- the server further includes a payment module, and is connected to the receiving module and the determining module.
- the payment module is configured to: if the determining module determines that the current location information is a common payment location, then the normal payment is performed.
- the server further includes a statistics module, which is connected to the receiving module, and the statistics module is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location.
- the present invention further provides a payment location notification method, comprising: receiving current location information sent by a mobile terminal when performing payment according to payment information sent by the mobile terminal, wherein the current location information indicates a current payment payment location; determining current location information Whether it is a common payment location; if the current location information is a very useful payment location, a notification message is sent to the mobile terminal to inform the user that there is a security risk in the current payment.
- the step of sending the notification message to the mobile terminal includes: sending the notification message to the preset number; and/or sending the notification email to the preset mailbox.
- the notification message or the notification email includes the current location information and the payment amount.
- the method Before the step of determining whether the current location information is a common payment location, the method includes: collecting location information sent by the received mobile terminal and acquiring a common payment location.
- the present invention further provides a server, comprising: a receiving module, configured to receive current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal, where the current location information indicates a payment location of the current payment; the determining module And the receiving module is connected to determine whether the current location information is a common payment location; the sending module is connected to the determining module, and is configured to send a notification message to the mobile terminal to notify the user that the current location information is a very useful payment location.
- the secondary payment has a security risk.
- the sending module is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address.
- the server further includes a payment module, and is connected to the receiving module and the determining module.
- the payment module is configured to: if the determining module determines that the current location information is a common payment location, then performing normal payment.
- the server further includes a statistics module, which is connected to the receiving module, and the statistics module is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location.
- the present invention has the beneficial effects that: when the payment is performed according to the payment information sent by the mobile terminal, the present invention receives the current location information sent by the mobile terminal; determines whether the current location information is a common payment location; if the current location information is very With the payment location, the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk, and the risk situation can be known in time, thereby improving the user experience.
- FIG. 1 is a schematic flow chart of a payment location notification method according to a first embodiment of the present invention
- FIG. 2 is a schematic structural diagram of a server according to a first embodiment of the present invention.
- FIG. 3 is a schematic structural diagram of a server according to a second embodiment of the present invention.
- FIG. 4 is a schematic structural diagram of a physical device of a server according to an embodiment of the present invention.
- FIG. 5 is a schematic structural diagram of a payment location notification system according to an embodiment of the present invention.
- FIG. 1 is a flow chart showing a payment location notification method according to a first embodiment of the present invention.
- the payment location notification method is applied to the server.
- the payment location notification method includes:
- Step S10 Receive the current location information sent by the mobile terminal when the payment is performed according to the payment information sent by the mobile terminal, where the current location information indicates the payment location of the current payment.
- step S10 related information for payment, such as current payment status of the current payment account, such as payment account number, amount, and the like, is also received at the same time, so that the user can know the payment situation in time.
- related information for payment such as current payment status of the current payment account, such as payment account number, amount, and the like
- Step S11 determining whether the current location information is a common payment location.
- step S11 the received location information sent by the mobile terminal is collected and the common payment location is obtained. Specifically, the received location information sent by the mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location.
- Step S12 If the current location information is a very useful payment location, send a notification message to the mobile terminal to inform the user that there is a security risk in the current payment.
- step S12 if the current location information is a very useful payment location, the notification SMS is sent to the preset number; and/or the notification email is sent to the preset email address.
- the notification message may be sent to one or more of the preset numbers corresponding to the mobile terminal, or the notification message may be sent to another number that does not correspond to the mobile terminal, which is not limited herein.
- the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location. If the current location information is a common payment location, a normal payment is made.
- the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
- the user experience is improved.
- the server 10 includes a receiving module 11, a determining module 12, and a sending module 13.
- the receiving module 11 is configured to notify the user that the current secondary payment has a security risk to receive the current location information sent by the mobile terminal.
- the current location information indicates the payment location of the current payment.
- the determining module 12 is connected to the receiving module 11 for determining whether the current location information is a common payment location.
- the sending module 13 is connected to the determining module 12, and is configured to send a notification message to the mobile terminal to notify the user that the current payment has a security risk if the current location information is a very useful payment location.
- the receiving module 11 also receives relevant information for payment, such as the current payment status of the current payment account, such as a payment account number, an amount, etc., so that the user can know the payment situation in time.
- relevant information for payment such as the current payment status of the current payment account, such as a payment account number, an amount, etc.
- the sending module 13 is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address. Specifically, the sending module 13 may send the notification short message to one or more of the preset numbers corresponding to the mobile terminal, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, the sending module 13 can also send a notification email to a preset email address.
- the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location.
- the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
- the user experience is improved.
- the server 10 further includes a payment module 14 connected to the receiving module 11 and the determining module 12.
- the payment module 14 is configured to: if the judgment module determines that the current location information is a common payment location, perform a normal payment.
- the server 10 further includes a statistics module 15 coupled to the receiving module 11.
- the statistics module 15 is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location. Specifically, the statistic module 15 stores the received location information sent by the mobile terminal and performs statistics, and sets the number of times the location information is received to be a common payment location.
- the server 20 includes a receiver 21, a transmitter 22, a processor 23, a memory 24, and a data bus 25.
- the receiver 21, the transmitter 22, the processor 23, and the memory 24 are connected via a data bus 25 for mutual communication.
- the receiver 21 is configured to receive current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal.
- the current location information indicates the payment location of the current payment.
- the processor 22 is configured to determine whether the current location information is a common payment location. If the current location information is a very useful payment location, the sender 22 sends a notification message to the mobile terminal to inform the user that there is a security risk with the current payment.
- the receiver 21 also receives related information for payment, such as the current payment status of the current payment account, such as a payment account number, an amount, etc., so that the user can know the payment situation in time.
- related information for payment such as the current payment status of the current payment account, such as a payment account number, an amount, etc.
- the sender 22 is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address. Specifically, the sender 22 may send the notification short message to one or more of the preset corresponding mobile terminals, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, the sender 22 can also send a notification email to a preset mailbox.
- the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location.
- the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
- the user experience is improved.
- the processor 23 determines whether the current location information is a common payment location, the location information sent by the received mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location. .
- the location information is stored in the memory.
- FIG. 5 is a schematic structural diagram of a payment location notification system according to an embodiment of the present invention.
- the payment location notification system 30 includes the aforementioned server 10 and a mobile terminal 40 that is wirelessly communicatively coupled to the server 10.
- the mobile terminal 40 acquires current location information when making a payment.
- the mobile terminal 40 then transmits the current location information to the server 10, which determines whether the current location information is a common payment location. And when the current location information is a very useful payment location, the server 10 sends a notification message to the mobile terminal 40.
- the mobile terminal 40 may be a mobile communication electronic device such as a mobile phone, an IPAD, or a notebook.
- the mobile terminal 40 can pass the global positioning system (Global Positioning At least one of System, GPS, Cell-ID, and WiFi to obtain current location information.
- the server 10 While receiving the current location information sent by the mobile terminal, the server 10 also receives relevant information for payment, such as the current payment status of the current payment account, such as a payment account, an amount, etc., so that the user can know the payment situation in time.
- the server 10 counts the location information sent by the received mobile terminal and obtains the common payment location before determining whether the current location information is a common payment location. Specifically, the received location information sent by the mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location.
- the server 10 sends a notification SMS to the preset number; and/or sends a notification email to the preset email address.
- the server 10 may send the notification short message to one or more of the numbers corresponding to the preset mobile terminal, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein.
- the notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location. If the current location information is a common payment location, a normal payment is made.
- the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time.
- the user experience is improved.
- the payment location notification method of the present invention includes: receiving current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal, wherein the current location information indicates a payment location of the current payment; determining the current location Whether the information is a common payment location; if the current location information is a very useful payment location, the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk, and the risk situation can be known in time, thereby improving the user experience.
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Abstract
Description
【技术领域】[Technical Field]
本发明涉及通信技术领域，特别是涉及一种支付位置通知方法及系统、服务器。The present invention relates to the field of communications technologies, and in particular, to a payment location notification method and system, and a server.
【背景技术】 【Background technique】
现在用户通常会使用移动终端进行一些支付操作，由于存在移动终端遗失、账户被盗等风险，移动支付的安全性相对较低。Nowadays, users usually use mobile terminals to perform some payment operations. The security of mobile payment is relatively low due to the risk of loss of mobile terminal and account theft.
【发明内容】 [Summary of the Invention]
本发明实施例提供了一种支付位置通知方法及系统、服务器，能够及时获知风险情况，提高了用户体验度。The embodiment of the invention provides a payment location notification method, system and server, which can timely know the risk situation and improve the user experience.
本发明提供一种支付位置通知系统，包括：服务器以及与该服务器无线通信连接的移动终端；其中，服务器包括：接收模块，用于根据移动终端发送的支付信息进行支付时，接收移动终端发送的当前位置信息，其中，当前位置信息表示当前次支付的支付位置；判断模块，与接收模块连接，用于判断当前位置信息是否为常用支付位置；发送模块，与判断模块连接，用于如果当前位置信息为非常用支付位置，则发送通知消息至移动终端，以告知用户当前次支付存在安全风险；其中，发送模块还用于：发送通知短信至预设的号码；和/或发送通知邮件至预设的邮箱；服务器还包括支付模块，与接收模块以及判断模块连接，支付模块用于：如果判断模块判断到当前位置信息为常用支付位置，则进行正常支付。The present invention provides a payment location notification system, including: a server and a mobile terminal wirelessly connected to the server; wherein the server includes: a receiving module, configured to receive, when the payment is performed according to the payment information sent by the mobile terminal, the mobile terminal sends the Current location information, wherein the current location information indicates a payment location of the current payment; the determining module is connected to the receiving module, and is configured to determine whether the current location information is a common payment location; the sending module is connected to the determining module, and is used for the current location. The information is a very useful payment location, and the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk; wherein the sending module is further configured to: send the notification short message to the preset number; and/or send the notification email to the pre- The server further includes a payment module, and is connected to the receiving module and the determining module. The payment module is configured to: if the determining module determines that the current location information is a common payment location, then the normal payment is performed.
其中，服务器还包括统计模块，与接收模块连接，统计模块用于：统计接收的移动终端发送的位置信息并获取常用支付位置。本发明还提供一种支付位置通知方法，包括：根据移动终端发送的支付信息进行支付时，接收移动终端发送的当前位置信息，其中，当前位置信息表示当前次支付的支付位置；判断当前位置信息是否为常用支付位置；如果当前位置信息为非常用支付位置，则发送通知消息至移动终端，以告知用户当前次支付存在安全风险。The server further includes a statistics module, which is connected to the receiving module, and the statistics module is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location. The present invention further provides a payment location notification method, comprising: receiving current location information sent by a mobile terminal when performing payment according to payment information sent by the mobile terminal, wherein the current location information indicates a current payment payment location; determining current location information Whether it is a common payment location; if the current location information is a very useful payment location, a notification message is sent to the mobile terminal to inform the user that there is a security risk in the current payment.
其中，发送通知消息至移动终端的步骤包括：发送通知短信至预设的号码；和/或发送通知邮件至预设的邮箱。The step of sending the notification message to the mobile terminal includes: sending the notification message to the preset number; and/or sending the notification email to the preset mailbox.
其中，通知短信或通知邮件中包括当前位置信息以及支付金额。The notification message or the notification email includes the current location information and the payment amount.
其中，如果当前位置信息为常用支付位置，则进行正常支付。Wherein, if the current location information is a common payment location, a normal payment is made.
其中，在判断当前位置信息是否为常用支付位置的步骤之前包括：统计接收的移动终端发送的位置信息并获取常用支付位置。Before the step of determining whether the current location information is a common payment location, the method includes: collecting location information sent by the received mobile terminal and acquiring a common payment location.
本发明还提供一种服务器，包括：接收模块，用于根据移动终端发送的支付信息进行支付时，接收移动终端发送的当前位置信息，其中，当前位置信息表示当前次支付的支付位置；判断模块，与接收模块连接，用于判断当前位置信息是否为常用支付位置；发送模块，与判断模块连接，用于如果当前位置信息为非常用支付位置，则发送通知消息至移动终端，以告知用户当前次支付存在安全风险。The present invention further provides a server, comprising: a receiving module, configured to receive current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal, where the current location information indicates a payment location of the current payment; the determining module And the receiving module is connected to determine whether the current location information is a common payment location; the sending module is connected to the determining module, and is configured to send a notification message to the mobile terminal to notify the user that the current location information is a very useful payment location. The secondary payment has a security risk.
其中，发送模块用于：发送通知短信至预设的号码；和/或发送通知邮件至预设的邮箱。The sending module is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address.
其中，服务器还包括支付模块，与接收模块以及判断模块连接，支付模块用于：如果判断模块判断到当前位置信息为常用支付位置，则进行正常支付。The server further includes a payment module, and is connected to the receiving module and the determining module. The payment module is configured to: if the determining module determines that the current location information is a common payment location, then performing normal payment.
其中，服务器还包括统计模块，与接收模块连接，统计模块用于：统计接收的移动终端发送的位置信息并获取常用支付位置。The server further includes a statistics module, which is connected to the receiving module, and the statistics module is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location.
通过上述方案，本发明的有益效果是：本发明通过根据移动终端发送的支付信息进行支付时，接收移动终端发送的当前位置信息；判断当前位置信息是否为常用支付位置；如果当前位置信息为非常用支付位置，则发送通知消息至移动终端，以告知用户当前次支付存在安全风险，能够及时获知风险情况，提高了用户体验度。Through the above solution, the present invention has the beneficial effects that: when the payment is performed according to the payment information sent by the mobile terminal, the present invention receives the current location information sent by the mobile terminal; determines whether the current location information is a common payment location; if the current location information is very With the payment location, the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk, and the risk situation can be known in time, thereby improving the user experience.
【附图说明】 [Description of the Drawings]
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。其中：In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Other drawings may also be obtained from those of ordinary skill in the art in light of the inventive work. among them:
图1是本发明第一实施例的支付位置通知方法的流程示意图；1 is a schematic flow chart of a payment location notification method according to a first embodiment of the present invention;
图2是本发明第一实施例的服务器的结构示意图；2 is a schematic structural diagram of a server according to a first embodiment of the present invention;
图3是本发明第二实施例的服务器的结构示意图；3 is a schematic structural diagram of a server according to a second embodiment of the present invention;
图4是本发明实施例的服务器的一实体装置的结构示意图；4 is a schematic structural diagram of a physical device of a server according to an embodiment of the present invention;
图5是本发明实施例的支付位置通知系统的结构示意图。FIG. 5 is a schematic structural diagram of a payment location notification system according to an embodiment of the present invention.
【具体实施方式】【detailed description】
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性的劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without departing from the inventive scope are the scope of the present invention.
图1是本发明第一实施例的支付位置通知方法的流程示意图。该支付位置通知方法应用于服务器。如图1所示，支付位置通知方法包括：1 is a flow chart showing a payment location notification method according to a first embodiment of the present invention. The payment location notification method is applied to the server. As shown in FIG. 1, the payment location notification method includes:
步骤S10：根据移动终端发送的支付信息进行支付时，接收移动终端发送的当前位置信息，其中，当前位置信息表示当前次支付的支付位置。Step S10: Receive the current location information sent by the mobile terminal when the payment is performed according to the payment information sent by the mobile terminal, where the current location information indicates the payment location of the current payment.
在步骤S10中，同时还接收用于支付的相关信息，如当前支付账户的当前的支付情况，如支付账号、金额等，以使用户能及时了解支付情况。In step S10, related information for payment, such as current payment status of the current payment account, such as payment account number, amount, and the like, is also received at the same time, so that the user can know the payment situation in time.
步骤S11：判断当前位置信息是否为常用支付位置。Step S11: determining whether the current location information is a common payment location.
在本发明实施例中，在步骤S11之前，统计接收的移动终端发送的位置信息并获取常用支付位置。具体地，存储接收到的移动终端发送的位置信息并进行统计，将位置信息接收的次数较多的设置为常用支付位置。In the embodiment of the present invention, before step S11, the received location information sent by the mobile terminal is collected and the common payment location is obtained. Specifically, the received location information sent by the mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location.
步骤S12：如果当前位置信息为非常用支付位置，则发送通知消息至移动终端，以告知用户当前次支付存在安全风险。Step S12: If the current location information is a very useful payment location, send a notification message to the mobile terminal to inform the user that there is a security risk in the current payment.
在步骤S12中，如果当前位置信息为非常用支付位置，则发送通知短信至预设的号码；和/或发送通知邮件至预设的邮箱。具体地，可以是发送通知短信至预设的该移动终端对应的其中一个或多个号码，也可以是发送通知短信至与该移动终端不对应的其他号码，在此不作限定。当然也可以发送通知邮件至预设的邮箱。其中通知短信或通知邮件中包括当前位置信息以及支付金额等支付情况，以通知移动终端当前位置信息为非常用支付位置。如果当前位置信息为常用支付位置，则进行正常支付。In step S12, if the current location information is a very useful payment location, the notification SMS is sent to the preset number; and/or the notification email is sent to the preset email address. Specifically, the notification message may be sent to one or more of the preset numbers corresponding to the mobile terminal, or the notification message may be sent to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, you can also send a notification email to the default email address. The notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location. If the current location information is a common payment location, a normal payment is made.
在本发明实施例中，如果当前位置信息为非常用支付位置，说明存在安全风险，即可能是移动终端遗失、或账户被盗等，使得该次支付非本人操作，此时可以及时获知风险情况，以使用户能适时采取相应的补救措施，提高了用户体验度。In the embodiment of the present invention, if the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time. In order to enable users to take appropriate remedial measures in a timely manner, the user experience is improved.
图2是本发明第一实施例的服务器的结构示意图。如图2所示，服务器10包括：接收模块11、判断模块12以及发送模块13。接收模块11用于，以告知用户当前次支付存在安全风险接收移动终端发送的当前位置信息。其中，当前位置信息表示当前次支付的支付位置。判断模块12与接收模块11连接，用于判断当前位置信息是否为常用支付位置。发送模块13与判断模块12连接，用于如果当前位置信息为非常用支付位置，则发送通知消息至移动终端，以告知用户当前次支付存在安全风险。2 is a schematic structural diagram of a server according to a first embodiment of the present invention. As shown in FIG. 2, the server 10 includes a receiving module 11, a determining module 12, and a sending module 13. The receiving module 11 is configured to notify the user that the current secondary payment has a security risk to receive the current location information sent by the mobile terminal. The current location information indicates the payment location of the current payment. The determining module 12 is connected to the receiving module 11 for determining whether the current location information is a common payment location. The sending module 13 is connected to the determining module 12, and is configured to send a notification message to the mobile terminal to notify the user that the current payment has a security risk if the current location information is a very useful payment location.
在本发明实施例中，接收模块11同时还接收用于支付的相关信息，如当前支付账户的当前的支付情况，如支付账号、金额等，以使用户能及时了解支付情况。In the embodiment of the present invention, the receiving module 11 also receives relevant information for payment, such as the current payment status of the current payment account, such as a payment account number, an amount, etc., so that the user can know the payment situation in time.
而发送模块13用于：发送通知短信至预设的号码；和/或发送通知邮件至预设的邮箱。具体地，发送模块13可以是发送通知短信至预设的该移动终端对应的其中一个或多个号码，也可以是发送通知短信至与该移动终端不对应的其他号码，在此不作限定。当然，发送模块13也可以发送通知邮件至预设的邮箱。其中通知短信或通知邮件中包括当前位置信息以及支付金额等支付情况，以通知移动终端当前位置信息为非常用支付位置。The sending module 13 is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address. Specifically, the sending module 13 may send the notification short message to one or more of the preset numbers corresponding to the mobile terminal, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, the sending module 13 can also send a notification email to a preset email address. The notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location.
在本发明实施例中，如果当前位置信息为非常用支付位置，说明存在安全风险，即可能是移动终端遗失、或账户被盗等，使得该次支付非本人操作，此时可以及时获知风险情况，以使用户能适时采取相应的补救措施，提高了用户体验度。In the embodiment of the present invention, if the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time. In order to enable users to take appropriate remedial measures in a timely manner, the user experience is improved.
参见图3，服务器10还包括支付模块14，与接收模块11以及判断模块12连接。支付模块14用于：如果判断模块判断到当前位置信息为常用支付位置，则进行正常支付。Referring to FIG. 3, the server 10 further includes a payment module 14 connected to the receiving module 11 and the determining module 12. The payment module 14 is configured to: if the judgment module determines that the current location information is a common payment location, perform a normal payment.
继续参见图3，服务器10还包括统计模块15，与接收模块11连接。统计模块15用于：统计接收的移动终端发送的位置信息并获取常用支付位置。具体地，统计模块15存储接收到的移动终端发送的位置信息并进行统计，将位置信息接收的次数较多的设置为常用支付位置。With continued reference to FIG. 3, the server 10 further includes a statistics module 15 coupled to the receiving module 11. The statistics module 15 is configured to: collect the location information sent by the received mobile terminal and obtain a common payment location. Specifically, the statistic module 15 stores the received location information sent by the mobile terminal and performs statistics, and sets the number of times the location information is received to be a common payment location.
图4是本发明实施例的服务器的一实体装置的结构示意图。如图4所示，服务器20包括：接收器21、发送器22、处理器23、存储器24以及数据总线25。接收器21、发送器22、处理器23以及存储器24通过数据总线25相连，以进行相互通信。4 is a schematic structural diagram of a physical device of a server according to an embodiment of the present invention. As shown in FIG. 4, the server 20 includes a receiver 21, a transmitter 22, a processor 23, a memory 24, and a data bus 25. The receiver 21, the transmitter 22, the processor 23, and the memory 24 are connected via a data bus 25 for mutual communication.
接收器21用于根据移动终端发送的支付信息进行支付时，接收移动终端发送的当前位置信息。其中，当前位置信息表示当前次支付的支付位置。处理器22用于判断当前位置信息是否为常用支付位置。如果当前位置信息为非常用支付位置，则发送器22发送通知消息至移动终端，以告知用户当前次支付存在安全风险。The receiver 21 is configured to receive current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal. The current location information indicates the payment location of the current payment. The processor 22 is configured to determine whether the current location information is a common payment location. If the current location information is a very useful payment location, the sender 22 sends a notification message to the mobile terminal to inform the user that there is a security risk with the current payment.
在本发明实施例中，接收器21同时还接收用于支付的相关信息，如当前支付账户的当前的支付情况，如支付账号、金额等，以使用户能及时了解支付情况。In the embodiment of the present invention, the receiver 21 also receives related information for payment, such as the current payment status of the current payment account, such as a payment account number, an amount, etc., so that the user can know the payment situation in time.
发送器22用于：发送通知短信至预设的号码；和/或发送通知邮件至预设的邮箱。具体地，发送器22可以是发送通知短信至预设的该移动终端对应的其中一个或多个号码，也可以是发送通知短信至与该移动终端不对应的其他号码，在此不作限定。当然，发送器22也可以发送通知邮件至预设的邮箱。其中通知短信或通知邮件中包括当前位置信息以及支付金额等支付情况，以通知移动终端当前位置信息为非常用支付位置。The sender 22 is configured to: send a notification message to a preset number; and/or send a notification email to a preset email address. Specifically, the sender 22 may send the notification short message to one or more of the preset corresponding mobile terminals, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, the sender 22 can also send a notification email to a preset mailbox. The notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location.
在本发明实施例中，如果当前位置信息为非常用支付位置，说明存在安全风险，即可能是移动终端遗失、或账户被盗等，使得该次支付非本人操作，此时可以及时获知风险情况，以使用户能适时采取相应的补救措施，提高了用户体验度。In the embodiment of the present invention, if the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time. In order to enable users to take appropriate remedial measures in a timely manner, the user experience is improved.
在本发明实施例中，在处理器23判断当前位置信息是否为常用支付位置之前，存储接收到的移动终端发送的位置信息并进行统计，将位置信息接收的次数较多的设置为常用支付位置。其中位置信息存储在存储器中。In the embodiment of the present invention, before the processor 23 determines whether the current location information is a common payment location, the location information sent by the received mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location. . The location information is stored in the memory.
图5是本发明实施例的支付位置通知系统的结构示意图。如图5所示，支付位置通知系统30包括：前述的服务器10以及与该服务器10无线通信连接的移动终端40。FIG. 5 is a schematic structural diagram of a payment location notification system according to an embodiment of the present invention. As shown in FIG. 5, the payment location notification system 30 includes the aforementioned server 10 and a mobile terminal 40 that is wirelessly communicatively coupled to the server 10.
移动终端40在进行支付时获取当前位置信息。然后移动终端40将当前位置信息发送至服务器10，服务器10判断当前位置信息是否为常用支付位置。并在当前位置信息为非常用支付位置时，服务器10发送通知消息至移动终端40。The mobile terminal 40 acquires current location information when making a payment. The mobile terminal 40 then transmits the current location information to the server 10, which determines whether the current location information is a common payment location. And when the current location information is a very useful payment location, the server 10 sends a notification message to the mobile terminal 40.
在本发明实施例中，移动终端40可以是手机、IPAD、笔记本等移动通信电子设备。移动终端40可以通过全球定位系统(Global Positioning System，GPS)、蜂窝基站定位（Cell-ID）、WiFi的至少之一来获取当前位置信息。而服务器10在接收移动终端发送的当前位置信息的同时，还接收用于支付的相关信息，如当前支付账户的当前的支付情况，如支付账号、金额等，以使用户能及时了解支付情况。In the embodiment of the present invention, the mobile terminal 40 may be a mobile communication electronic device such as a mobile phone, an IPAD, or a notebook. The mobile terminal 40 can pass the global positioning system (Global Positioning At least one of System, GPS, Cell-ID, and WiFi to obtain current location information. While receiving the current location information sent by the mobile terminal, the server 10 also receives relevant information for payment, such as the current payment status of the current payment account, such as a payment account, an amount, etc., so that the user can know the payment situation in time.
服务器10在判断当前位置信息是否为常用支付位置之前，统计接收的移动终端发送的位置信息并获取常用支付位置。具体地，存储接收到的移动终端发送的位置信息并进行统计，将位置信息接收的次数较多的设置为常用支付位置。The server 10 counts the location information sent by the received mobile terminal and obtains the common payment location before determining whether the current location information is a common payment location. Specifically, the received location information sent by the mobile terminal is stored and counted, and the number of times the location information is received is set to a common payment location.
在当前位置信息为非常用支付位置时，服务器10发送通知短信至预设的号码；和/或发送通知邮件至预设的邮箱。具体地，服务器10可以是发送通知短信至预设的该移动终端对应的其中一个或多个号码，也可以是发送通知短信至与该移动终端不对应的其他号码，在此不作限定。当然也可以发送通知邮件至预设的邮箱。其中通知短信或通知邮件中包括当前位置信息以及支付金额等支付情况，以通知移动终端当前位置信息为非常用支付位置。如果当前位置信息为常用支付位置，则进行正常支付。When the current location information is a very useful payment location, the server 10 sends a notification SMS to the preset number; and/or sends a notification email to the preset email address. Specifically, the server 10 may send the notification short message to one or more of the numbers corresponding to the preset mobile terminal, or may send the notification short message to another number that does not correspond to the mobile terminal, which is not limited herein. Of course, you can also send a notification email to the default email address. The notification message or the notification email includes a current location information and a payment amount, etc., to notify the mobile terminal that the current location information is a very useful payment location. If the current location information is a common payment location, a normal payment is made.
在本发明实施例中，如果当前位置信息为非常用支付位置，说明存在安全风险，即可能是移动终端遗失、或账户被盗等，使得该次支付非本人操作，此时可以及时获知风险情况，以使用户能适时采取相应的补救措施，提高了用户体验度。In the embodiment of the present invention, if the current location information is a very useful payment location, it indicates that there is a security risk, that is, the mobile terminal may be lost, or the account is stolen, so that the payment is not the operation of the user, and the risk situation may be known in time. In order to enable users to take appropriate remedial measures in a timely manner, the user experience is improved.
综上所述，本发明的支付位置通知方法包括：根据移动终端发送的支付信息进行支付时，接收移动终端发送的当前位置信息，其中，当前位置信息表示当前次支付的支付位置；判断当前位置信息是否为常用支付位置；如果当前位置信息为非常用支付位置，则发送通知消息至移动终端，以告知用户当前次支付存在安全风险，能够及时获知风险情况，提高了用户体验度。In summary, the payment location notification method of the present invention includes: receiving current location information sent by the mobile terminal when performing payment according to the payment information sent by the mobile terminal, wherein the current location information indicates a payment location of the current payment; determining the current location Whether the information is a common payment location; if the current location information is a very useful payment location, the notification message is sent to the mobile terminal to inform the user that the current payment has a security risk, and the risk situation can be known in time, thereby improving the user experience.
以上所述仅为本发明的实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformation of the present invention and the contents of the drawings may be directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.
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| CN104657856A (en) * | 2015-03-11 | 2015-05-27 | 上海美迪索科电子科技有限公司 | Smart mobile client payment method and server system based on location authentication |
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