CN103065240B - A kind of mobile payment processing method and system - Google Patents
A kind of mobile payment processing method and system Download PDFInfo
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- CN103065240B CN103065240B CN201310010304.1A CN201310010304A CN103065240B CN 103065240 B CN103065240 B CN 103065240B CN 201310010304 A CN201310010304 A CN 201310010304A CN 103065240 B CN103065240 B CN 103065240B
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Abstract
The present invention, which provides a kind of mobile payment processing method and system, this method, to be included：Safety of payment service system receives the user account of user's registration and the security strategy for promissory payment authorising conditional；The security strategy is sent to one or more payment processing systems by the safety of payment service system；The payment processing system carries out payment processes according to the security strategy.The present invention by the registration security strategy at Third-party payment safety service system, can unification user in the safety of payment strategy of multiple payment processing systems, ensure that user carries out the safety and convenience of mobile payment.
Description
Technical field
The present invention relates to the mobile payment processing method in information technology field, more particularly to information technology field and it is
System.
Background technology
Mobile payment is the finance activities carried out by mobile terminal device.With the popularization and mobile payment of smart mobile phone
Convenience, mobile payment starts to become market focus.But the security paid is the weight for influencing mobile payment popularization all the time
Want factor.
There are many solutions for the security for ensureing mobile payment at present.Such as a kind of prior art requires user
One mobile terminal number of registration in advance, when user asks to pay, payment link is sent to user's pre-registration by payment system
On mobile terminal, user inputs payment cipher, completes to pay from this mobile terminal clickthrough.
For another prior art when user sends payment request from a terminal, distal end receives the server of payment request
A disposable mobile terminal of the license confirmation code to user's pre-registration is sent first, and user is defeated from the terminal for sending payment request
Enter license confirmation code, complete to pay.
Also a kind of prior art allows user to set the amount that single is consumed, day consumes, the moon is consumed respectively, when using by oneself
The payment request at family does not allow to merchandise when exceeding amount, thereby protects the safety of payment of user.
Also a kind of prior art allows user to pre-set different close of terminal with user to mobile payment
Phone number is protected, when user forgets payment cipher, gives or resets password for change by close guarantor's mobile phone, it is whole to reduce user's mobile payment
End is lost and the too simple security risk that may be brought of user's payment cipher.
These technologies are set both for same payment system, and with Third-party payment business and bank, mobile fortune
The positive intervention of Ying Shangdeng mechanisms, user plane are registered to substantial amounts of mobile-payment system, configure and will necessarily be brought to user respectively
Inconvenience in some uses.
The content of the invention
The technical problem to be solved in the present invention is to provide a kind of mobile payment processing method and system, with unification user more
The safety of payment strategy of a payment processing system, increase user use convenience during mobile payment, strengthen the peace of mobile payment
Quan Xing.
In order to solve the above technical problem, the present invention provides a kind of mobile payment processing method, including：
Safety of payment service system receives the user account of user's registration and the safe plan for promissory payment authorising conditional
Slightly；
The security strategy is sent to one or more payment processing systems by the safety of payment service system；
The payment processing system carries out payment processes according to the security strategy.
Further, the above method also has the characteristics that following：The security strategy is included in following safety of payment parameter
It is one or more：
Pay amount, payment request time range, payment request and initiate frequency, payment request initiation place.
Further, the above method also has the characteristics that following：The security strategy further includes：
One or more authorization terminal numbers, the payment authorization termination number be used for identify authorization requests recipient and
The sender of authorization requests response.
Further, the above method also has the characteristics that following：The payment processing system is carried out according to the security strategy
Payment processes include：
The payment processing system judge the payment request of user be unsatisfactory for as described in safety of payment parameter, then awarded to described
Weigh termination number and send authorization requests.
To solve the above-mentioned problems, present invention also offers a kind of safety of payment service system, including：
First module, receives the user account of user's registration and the security strategy for promissory payment authorising conditional；
Second module, for the security strategy to be sent to one or more payment processing systems.
Further, said system also has the characteristics that following：The security strategy includes following one or more pay and pacifies
Population parameter：
Pay amount, payment request time range, payment request and initiate frequency, payment request initiation place.
Further, said system also has the characteristics that following：The security strategy further includes：
One or more authorization terminal numbers, the payment authorization termination number be used for identify authorization requests recipient and
The sender of authorization requests response.
To solve the above-mentioned problems, present invention also offers a kind of payment processing system, including：
First module, the security strategy issued for receiving safety of payment service system；
Second module, for carrying out payment processes according to the security strategy.
Further, said system also has the characteristics that following：The security strategy includes one or more authorization terminals number
One or more of code and/or following safety of payment parameter：
Pay amount, payment request time range, payment request and initiate frequency, payment request initiation place.
Further, said system also has the characteristics that following：Second module includes：
First module, after the payment request for receiving user, judges whether the payment request meets the payment
Security parameter；
Second unit, in the case of judging to be unsatisfactory for the safety of payment parameter in the first module, to described
Authorization terminal number sends authorization requests.
The present invention provides a kind of mobile payment processing method and system, by being noted at Third-party payment safety service system
Volume security strategy, can unification user multiple payment processing systems safety of payment strategy, ensure user carry out mobile payment
Safety and convenience.
Brief description of the drawings
Fig. 1 is the schematic diagram of the safety of payment service system of the embodiment of the present invention；
Fig. 2 is the schematic diagram of the payment processing system of the embodiment of the present invention；
Fig. 3 is a kind of flow chart of mobile payment processing method of the embodiment of the present invention；
Fig. 4 is the schematic diagram of the exemplary payment system of the application of the present invention one.
Embodiment
For the object, technical solutions and advantages of the present invention are more clearly understood, below in conjunction with attached drawing to the present invention
Embodiment be described in detail.It should be noted that in the case where there is no conflict, in the embodiment and embodiment in the application
Feature can mutually be combined.
For a better understanding of the present invention, the present invention is further described with specific embodiment below in conjunction with the accompanying drawings.
Fig. 1 is the schematic diagram of the safety of payment service system of the embodiment of the present invention, as shown in Figure 1, the payment of the present embodiment
Safety service system includes：
First module, receives the user account of user's registration and the security strategy for promissory payment authorising conditional；
Second module, for the security strategy to be sent to one or more payment processing systems.
Wherein, the security strategy includes following one or more safety of payment parameters：
Pay amount, payment request time range, payment request and initiate frequency, payment request initiation place.
Wherein, the security strategy can also include：
One or more authorization terminal numbers, the payment authorization termination number be used for identify authorization requests recipient and
The sender of authorization requests response.
Fig. 2 is the schematic diagram of the payment processing system of the embodiment of the present invention, as shown in Fig. 2, the payment processes of the present embodiment
System includes：
First module, the security strategy issued for receiving safety of payment service system；
Second module, for carrying out payment processes according to the security strategy.
Wherein, second module includes：
First module, after the payment request for receiving user, judges whether the payment request meets the payment
Security parameter；
Second unit, in the case of judging to be unsatisfactory for the safety of payment parameter in the first module, to described
Authorization terminal number sends authorization requests.
Fig. 3 is a kind of flow chart of mobile payment processing method of the embodiment of the present invention, as shown in figure 3, the present embodiment
Method comprises the following steps：
S10, safety of payment service system receive the user account of user's registration and the peace for promissory payment authorising conditional
Full strategy；
The security strategy is sent to one or more payment processing systems by S20, safety of payment service system；
S30, payment processing system carry out payment processes according to the security strategy.
The embodiment of the present invention by the registration security strategy at Third-party payment safety service system, can unification user exist
The safety of payment strategy of multiple payment processing systems, ensures that user carries out the safety and convenience of mobile payment.
Fig. 4 is the schematic diagram of the exemplary payment system of the application of the present invention one, as shown in figure 4, the system includes safety of payment
Service system 101, one or more payment processing systems 102, multiple users 103, multiple user authorization terminals 104, Duo Geyong
Family payment terminal 105, multiple trade companies 106.Payment processing system 102 and safety of payment service system 101 are differentiations in logic,
It is not excluded for the scene that both are combined into one.
The method of mobile payment includes the following steps：
Step S110：User 103 registers a user account and security strategy at safety of payment service system 101, extremely
Include safety of payment parameter less, can also include authorization terminal number；
Safety of payment parameter is used for the condition that promissory payment processing system 102 triggers authorization requests, for example, working as payment
During more than some amount, or when payment frequency exceedes some number, or the payment request time permission some time range it
When outer, etc..Authorization terminal number is used to specify the recipient of authorization requests and the sender of authorization requests response.If safety
Strategy does not include authorization terminal number, and the sender that the recipient of authorization requests and authorization requests respond is by payment processing system
102 specify according to other agreements；
Step S111：Either spontaneously or answer the request of payment processing system 102, safety of payment service provider 101
The security strategy of user is issued to payment processing system 102；
Step S112：User 103 at the trade company 106 under trading order form, payment request is sent to payment processes by trade company 106
System 102；
Step S113：Payment processing system 102 sends to user authorization terminal 104 and authorizes according to the security strategy of user
Request, user authorization terminal 104 return to authorization requests response；
Step S114：It is fair that if payment processing system 102, which receives the authorization requests response from user authorization terminal 104,
Perhaps authorize, with regard to carrying out payment flow with user's payment terminal 105, such as user is authenticated, payment processes, payment processes result
Feedback；Payment processing system 102 can also feed back to payment processes result trade company 106；
Step S115：Trade company 106 notifies the payment processes of 105 order of user's payment terminal as a result, or in turn.
User registers safety of payment parameter at safety of payment service system 101, except conventional single spending limit, day
The configuration of spending limit, moon spending limit, user can also configure payment request time range, payment request initiates frequency, pay
Place etc. is initiated in request.
The payment request time range can be that user allows the time range of payment request initiation or do not permit
Perhaps the time range that payment request is initiated, the setting example of time range include setting by the hour, and such as some until what time, is pressed daily
Day settings, are such as set as some day to some day, or combination by the hour and by date.
It is the number that payment request is initiated in some period that the payment request, which initiates frequency, can be per hour, often
My god, the payment request number monthly initiated.
The payment request, which initiates place, includes the network address of user's payment terminal 105 and/or trade company 106, geographical position
Put.Address that network address, geographical location can be to determine or address realm.Embodiment includes setting user's branch
Pay the network interface physical address (MAC Address) or Internet protocol address (IP address) of terminal 105；The IP address of trade company 106
Scope is domestic for some country.
When the amount of money that payment request is related to is when outside the amount of permission, and/or payment request occurs not to be allowed to
When in time range, and/or when the frequency of payment request exceeds setpoint frequency, and/or the place that payment request is initiated is allowing
Place outside when, payment processing system 102 trigger authorization requests transmission, request authorization terminal number authorized.
Application scenarios example of the present invention, such as minor carry out mobile payment, its guardian can be that its setting is paid
The mobile terminal number of oneself, can also be set as authorization terminal number by security parameter, when the payment that minor carries out please
Ask when beyond the safety of payment parameter of setting, guardian receives the authorization requests of payment processing system transmission, so as to monitor not
The abnormal payout status of adult.The present invention can be additionally used in the mobile payment scene that other needs authorize.
One of ordinary skill in the art will appreciate that all or part of step in the above method can be instructed by program
Related hardware is completed, and described program can be stored in computer-readable recording medium, such as read-only storage, disk or CD
Deng.Alternatively, all or part of step of above-described embodiment can also be realized using one or more integrated circuits.Accordingly
Ground, each module/unit in above-described embodiment can be realized in the form of hardware, can also use the shape of software function module
Formula is realized.The present invention is not restricted to the combination of the hardware and software of any particular form.
It these are only the preferred embodiment of the present invention, certainly, the present invention can also have other various embodiments, without departing substantially from this
In the case of spirit and its essence, those skilled in the art make various corresponding changes in accordance with the present invention
And deformation, but these corresponding changes and deformation should all belong to the protection domain of appended claims of the invention.
Claims (8)
1. a kind of mobile payment processing method, including：
Safety of payment service system receives the user account of user's registration and the security strategy for promissory payment authorising conditional；
The security strategy is sent to multiple payment processing systems by the safety of payment service system；
The payment processing system carries out payment processes according to the security strategy；
The payment processing system carries out payment processes according to the security strategy to be included：
The payment processing system judge the payment request of user be unsatisfactory for as described in safety of payment parameter, then to authorization terminal number
Code sends authorization requests；
Wherein, safety of payment service system receives the user account of user's registration and the safe plan for promissory payment authorising conditional
Slightly, specifically include：User registers a user account and security strategy at safety of payment service system；The security strategy,
Specifically include：The security strategy of user.
2. the method as described in claim 1, it is characterised in that：The security strategy includes one in following safety of payment parameter
It is a or multiple：
Pay amount, payment request time range, payment request and initiate frequency, payment request initiation place.
3. method as claimed in claim 2, it is characterised in that：The security strategy further includes：
One or more authorization terminal numbers, the payment authorization termination number are used for identifying recipient and the mandate of authorization requests
Ask the sender of response.
4. a kind of safety of payment service system, including：
First module, receives the user account of user's registration and the security strategy for promissory payment authorising conditional；
Second module, for the security strategy to be sent to multiple payment processing systems；
Wherein, the user account of user's registration and the security strategy for promissory payment authorising conditional are received, is specifically included：User
A user account and security strategy are registered at safety of payment service system；The security strategy, specifically includes：The peace of user
Full strategy.
5. safety of payment service system as claimed in claim 4, it is characterised in that：The security strategy include with next or
Multiple safety of payment parameters：
Pay amount, payment request time range, payment request and initiate frequency, payment request initiation place.
6. safety of payment service system as claimed in claim 5, it is characterised in that：The security strategy further includes：
One or more authorization terminal numbers, the payment authorization termination number are used for identifying recipient and the mandate of authorization requests
Ask the sender of response.
7. a kind of payment processing system, including：
First module, the security strategy issued for receiving safety of payment service system；
Second module, for carrying out payment processes according to the security strategy；
Second module includes：
First module, after the payment request for receiving user, judges whether the payment request meets the safety of payment
Parameter；
Second unit, in the case of judging to be unsatisfactory for the safety of payment parameter in the first module, to authorization terminal
Number sends authorization requests；
Safety of payment service system receives the user account of user's registration and the security strategy for promissory payment authorising conditional, tool
Body includes：User registers a user account and security strategy at safety of payment service system；The security strategy, specific bag
Include：The security strategy of user.
8. payment processing system as claimed in claim 7, it is characterised in that：The security strategy includes one or more authorize
One or more of termination number and/or following safety of payment parameter：
Pay amount, payment request time range, payment request and initiate frequency, payment request initiation place.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310010304.1A CN103065240B (en) | 2013-01-11 | 2013-01-11 | A kind of mobile payment processing method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310010304.1A CN103065240B (en) | 2013-01-11 | 2013-01-11 | A kind of mobile payment processing method and system |
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| Publication Number | Publication Date |
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| CN103065240A CN103065240A (en) | 2013-04-24 |
| CN103065240B true CN103065240B (en) | 2018-04-27 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201310010304.1A Active CN103065240B (en) | 2013-01-11 | 2013-01-11 | A kind of mobile payment processing method and system |
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Cited By (1)
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| CN106157003A (en) * | 2015-04-03 | 2016-11-23 | 阿里巴巴集团控股有限公司 | Data interactive method and device |
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| CN104424560A (en) * | 2013-08-19 | 2015-03-18 | 中兴通讯股份有限公司 | E-payment method and device |
| CN105225112A (en) * | 2014-06-20 | 2016-01-06 | 中国电信股份有限公司 | Mobile payment authorization method and server |
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| CN107657161A (en) * | 2017-09-12 | 2018-02-02 | 广东欧珀移动通信有限公司 | Method of mobile payment and Related product based on recognition of face |
| CN108090764A (en) * | 2018-01-10 | 2018-05-29 | 广州合利宝支付科技有限公司 | Data security control method and device in e-payment |
| CN109389403A (en) * | 2018-08-24 | 2019-02-26 | 中国民生银行股份有限公司 | A kind of payment processing method and device |
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| CN103065240A (en) | 2013-04-24 |
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