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WO2018145239A1 - Procédé et appareil de paiement électronique - Google Patents

Procédé et appareil de paiement électronique Download PDF

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Publication number
WO2018145239A1
WO2018145239A1 PCT/CN2017/073030 CN2017073030W WO2018145239A1 WO 2018145239 A1 WO2018145239 A1 WO 2018145239A1 CN 2017073030 W CN2017073030 W CN 2017073030W WO 2018145239 A1 WO2018145239 A1 WO 2018145239A1
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WO
WIPO (PCT)
Prior art keywords
terminal
payment
information
latitude
current
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2017/073030
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English (en)
Chinese (zh)
Inventor
廖建强
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to PCT/CN2017/073030 priority Critical patent/WO2018145239A1/fr
Publication of WO2018145239A1 publication Critical patent/WO2018145239A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to the field of electronic payment, and in particular, to an electronic payment method and apparatus.
  • a technical problem to be solved by embodiments of the present invention is to provide an electronic payment method and apparatus. Improve the security of payment operations.
  • an electronic payment method including:
  • the payment operation is terminated.
  • an electronic payment device including:
  • An obtaining module configured to obtain a current geographical location when receiving a payment operation
  • the payment restriction module is configured to terminate the payment operation if the geographical location area is a preset area.
  • the terminal When the terminal detects that the payment operation is initiated, the terminal obtains the current geographical location area. If the current geographical location area is the preset area, the payment operation is prohibited, which prevents the terminal from operating in the unfamiliar geographical location and protects the funds of the user account. .
  • FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart of an electronic payment method according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of an electronic payment device according to an embodiment of the present invention.
  • FIG. 4 is another schematic structural diagram of an electronic payment device according to an embodiment of the present invention.
  • FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention.
  • a payment system includes a first terminal, a server, and a second terminal, and the workflow of the payment system may be:
  • the first terminal and the second terminal are bound in advance, for example, by binding the mobile phone number, the first terminal sends a geographic location restriction payment instruction to the second terminal, and the geographic location restriction payment instruction carries the geographic information, and the number of the geographic information may be a plurality of, for example, the geographic information is A hotel, B hotel, C casino city, the second terminal receives the geographic location restriction payment instruction, and obtains the latitude and longitude coordinates corresponding to the geographic information according to the electronic map, with the latitude and longitude coordinates as the center and the preset radius
  • the circular area is set as a preset area.
  • the first terminal initiates the payment operation initiated by the user, and obtains the current geographical location, if the current geographical location is the preset area. The payment operation is terminated. At this time, the first terminal displays the prompt information of the payment failure. It should be noted that if the second terminal does not open the geographic location restriction payment instruction, the first terminal performs the payment operation according to the current payment process.
  • the first terminal When the first terminal cannot obtain the current geographical location, for example A terminal set in advance to detect the current location information is prohibited, the first terminal transmits the second authentication information request to the terminal pre-bound, the server allocates a verification message to the second terminal, a second terminal receiving After the information request is verified, a prompt message is displayed on the interface prompting the user whether to input the verification information.
  • the second terminal When the user inputs the verification information on the second terminal, the second terminal sends the verification information to the first terminal, and the first terminal receives the verification information.
  • the verification information is sent to the server for verification.
  • the payment password input interface is displayed on the first terminal, and the user completes the payment operation after inputting the correct payment password.
  • the second terminal may also request the user to input the verification information, and after the user inputs the verification information, send the verification information to the server and the first terminal respectively.
  • a terminal performs verification on the server according to the received verification information, and performs a normal payment process after the verification is passed.
  • the terminal when the terminal detects that the payment operation is initiated, the terminal obtains the current geographical location, and if the current geographical location is the preset area, the payment operation is prohibited, and the terminal can be prevented from being located in the unfamiliar geographical location. Operation to protect the security of the user account funds.
  • FIG. 2 is a schematic flowchart of an electronic payment method according to an embodiment of the present invention.
  • the method includes:
  • the payment operation initiated by the first terminal user for example, when the first terminal detects that the user clicks the payment button, determines that the payment operation is received, and obtains the current geographic location, specifically determining the current building, for example: Hotel, hotel or entertainment venue, etc.
  • the first terminal terminates the payment operation, and the prompt information is displayed on the payment interface, and is used to prompt the user to have no right to pay in the current area.
  • the terminal when the terminal detects that the payment operation is initiated, the terminal obtains the current geographical location, and if the current geographical location is the preset area, the payment operation is prohibited, and the terminal can be prevented from being located in the unfamiliar geographical location. Operation to protect the security of the user account funds.
  • the obtaining the current geographic location area includes:
  • the first terminal may acquire the current latitude and longitude coordinates through the satellite positioning module, and query the latitude and longitude The geographical location corresponding to the degree coordinate; or in the case that the first terminal is connected to the wireless local area network, obtain the identifier of the currently connected router, the identifier of the router may be the MAC address, and the first terminal queries the server for the geographical location area corresponding to the MAC geographic.
  • the method before the receiving, by the first terminal, the payment operation, the method further includes:
  • the first terminal and the second terminal are bound in advance, for example, by using a mobile phone number, and the first terminal sends a geographic location restriction payment instruction to the second terminal, where the geographic location restriction payment instruction carries geographic information, and the number of geographic information There may be multiple, for example, the geographic information is D hotel, E hotel, C entertainment city, the second terminal receives the geographic location restriction payment instruction, obtains the latitude and longitude coordinates corresponding to the geographic information according to the electronic map, and the latitude and longitude coordinates are centered and preset The circular area of the radius is set as the preset area.
  • the method further includes:
  • the first terminal sends a verification information request to the second terminal, where the verification information request is used to request the second terminal to send the authentication information;
  • the first terminal When the first terminal is unable to obtain the current geographical location, for example, the first terminal is preset to prohibit detection of the current geographic location information, the first terminal sends a verification information request to the pre-bound second terminal, and the server allocates a request.
  • the verification information is sent to the second terminal.
  • the second terminal After receiving the verification information request, the second terminal displays a prompt message prompting the user whether to input the verification information on the interface.
  • the second terminal is the first The terminal sends the verification information, the first terminal receives the verification information, and sends the verification information to the server for verification.
  • the payment password input interface is displayed on the first terminal, and the user completes the payment operation after inputting the correct payment password.
  • the second terminal after receiving the verification information request, may also request the user to input the verification information, and after the user inputs the verification information, send the verification information to the server and the first terminal respectively.
  • a terminal performs verification on the server according to the received verification information, and the verification After the pass, the normal payment process is executed.
  • any payment operation initiated on the first terminal needs to request verification information from the second terminal, and sends the verification information to the second terminal.
  • the verification process is completed and the verification information is verified before the payment process can be performed normally.
  • the authentication information may be character information or graphic information.
  • FIG. 3 is a schematic structural diagram of an electronic payment device according to an embodiment of the present invention.
  • the electronic payment device according to the embodiment of the present invention is used to execute an electronic payment method in FIG. 2, and the terminology and process involved may refer to the figure. 2 Description of the embodiment.
  • the electronic payment device 3 includes an acquisition module 301 and a payment restriction module 302.
  • the obtaining module 301 is configured to obtain a current geographical location area when receiving the payment operation.
  • the payment restriction module 302 is configured to terminate the payment operation if the geographical location area is a preset area.
  • the obtaining module 301 is specifically configured to:
  • the electronic payment device 3 further includes:
  • a setting module configured to receive a geographically-restricted payment instruction sent by the pre-bound second terminal, where the geographically-defined payment instruction carries the address information
  • the method further includes:
  • the authentication module is configured to send a verification information request to the second terminal if the current geographical location is not available, where the verification information request is used to request the second terminal to send the authentication information;
  • the authentication information may be character information or graphic information.
  • FIG. 4 is another schematic structural diagram of an electronic payment device according to an embodiment of the present invention.
  • the electronic payment device 4 includes a processor 401, a memory 402, and a transceiver 403.
  • the transceiver 403 is configured to transmit and receive data with and from an external device.
  • the number of processors 401 in the electronic payment device 4 may be one or more.
  • processor 401, memory 402, and transceiver 403 may be coupled by a bus system or other means.
  • the electronic payment device 4 can be used to perform the method shown in FIG. 2.
  • the program code is stored in the memory 402.
  • the processor 401 is configured to call program code stored in the memory 402 for performing the following operations:
  • the payment operation is terminated.
  • the performing, by the processor 401, the acquiring the current geographic location area includes:
  • the method further includes:
  • the processor 401 is further configured to:
  • the first terminal sends a verification information request to the second terminal, where the verification information request is used to request the second terminal to send the authentication information;
  • the authentication information may be character information or graphic information.
  • An embodiment of the present invention further provides a terminal including the foregoing electronic payment device, where the terminal includes but is not limited to piggybacking Or terminals of other operating systems, such as mobile phones.
  • Other terminals may also be used, such as a laptop or tablet or desktop computer with a touch-sensitive surface (eg, a touch screen display and/or a touch pad).
  • a terminal including a display and a touch-sensitive surface is described. It should be understood, however, that the terminal can include one or more other physical user interface devices, such as a physical keyboard, mouse, and/or joystick.
  • Terminals typically support a variety of applications, such as one or more of the following: a drawing application, a rendering application, a word processing application, a web page creation application, a disk editing application, a spreadsheet application, a gaming application, Telephony applications, video conferencing applications, email applications, instant messaging applications, workout support applications, photo management applications, digital camera applications, digital video camera applications, web browsing applications, digital music player applications Program, and/or digital video player application.
  • applications such as one or more of the following: a drawing application, a rendering application, a word processing application, a web page creation application, a disk editing application, a spreadsheet application, a gaming application, Telephony applications, video conferencing applications, email applications, instant messaging applications, workout support applications, photo management applications, digital camera applications, digital video camera applications, web browsing applications, digital music player applications Program, and/or digital video player application.
  • the various applications that can be executed on the terminal can use at least one shared physical user interface device, such as a touch-sensitive surface.
  • One or more functions of the touch-sensitive surface and corresponding information displayed on the terminal may be adjusted and/or changed from one application to the next and/or adjusted and/or varied within the respective application.
  • the shared physical architecture of the terminal such as a touch-sensitive surface, can support a variety of applications with a user interface that is intuitive to the user.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de paiement électronique : lorsqu'il est détecté qu'une opération de paiement est lancée, un terminal acquiert la zone de position géographique actuelle; et si la zone de position géographique actuelle est une zone prédéfinie, puis l'opération de paiement est interdite; le terminal est ainsi empêché de fonctionner dans une zone géographique non familière, protégeant la sécurité des fonds dans le compte d'utilisateur. Le présent procédé peut améliorer la sécurité des paiements.
PCT/CN2017/073030 2017-02-07 2017-02-07 Procédé et appareil de paiement électronique Ceased WO2018145239A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2017/073030 WO2018145239A1 (fr) 2017-02-07 2017-02-07 Procédé et appareil de paiement électronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2017/073030 WO2018145239A1 (fr) 2017-02-07 2017-02-07 Procédé et appareil de paiement électronique

Publications (1)

Publication Number Publication Date
WO2018145239A1 true WO2018145239A1 (fr) 2018-08-16

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PCT/CN2017/073030 Ceased WO2018145239A1 (fr) 2017-02-07 2017-02-07 Procédé et appareil de paiement électronique

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN117575613A (zh) * 2024-01-15 2024-02-20 山东鼎信数字科技有限公司 一种动态访问环境的鉴权支付方法及系统

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104794615A (zh) * 2015-05-11 2015-07-22 易联支付有限公司 一种手机支付安全验证方法
CN104951933A (zh) * 2014-03-24 2015-09-30 联想(北京)有限公司 一种安全支付方法及移动终端
CN105450617A (zh) * 2014-09-24 2016-03-30 阿里巴巴集团控股有限公司 一种支付验证方法、装置及系统
CN105976178A (zh) * 2016-05-20 2016-09-28 廖建强 一种电子支付方法和装置

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104951933A (zh) * 2014-03-24 2015-09-30 联想(北京)有限公司 一种安全支付方法及移动终端
CN105450617A (zh) * 2014-09-24 2016-03-30 阿里巴巴集团控股有限公司 一种支付验证方法、装置及系统
CN104794615A (zh) * 2015-05-11 2015-07-22 易联支付有限公司 一种手机支付安全验证方法
CN105976178A (zh) * 2016-05-20 2016-09-28 廖建强 一种电子支付方法和装置

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN117575613A (zh) * 2024-01-15 2024-02-20 山东鼎信数字科技有限公司 一种动态访问环境的鉴权支付方法及系统

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