CN102376049A - Cell phone payment confirmation system based on security verification and corresponding method thereof - Google Patents
Cell phone payment confirmation system based on security verification and corresponding method thereof Download PDFInfo
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Abstract
The invention discloses a cell phone payment confirmation system based on security verification and a corresponding method thereof. When a user uses a bank card to pay, a payment order which is generated by a merchant sales computer system (2) and contains identity verification information and bank card account information of a user and a payment money amount is transmitted to a cell phone payment computer system (1); the bank card account information and the identity verification information are verified by the cell phone payment computer system (1) through an issuing bank computer checking system (7) and an identity verification and checking computer system (6) and a user cell phone (3) is called to obtain a payment password of the user; and then the bank card account information, the payment money amount and the payment password are verified through a bank card transaction computer system (4) of the issuing bank; after all information is verified to be right, subsequent operations of the payment order can be continually carried out by the cell phone payment computer system (1), wherein the subsequent operations include an operation of transferring money into an account, an operation of returning successful payment information back to the merchant sales computer system (2) and the like.
Description
[technical field]
The present invention relates to computing machine, payment technology and safety of payment verification method, particularly relate to a kind of confirm phone payment system and correlation method thereof through safety verification.
[background technology]
At present; People adopt in the non-aspectant bank card business dealing process; Card number and the password of oneself in process of exchange stolen through network or other modes by others through regular meeting; Appropriator will be stolen card bank card personal information and duplicate, or be used for the shopping online payment, thereby illegally extract user's bank card fund.For the protection trading information safety, prevent that holder's sensitive data is stolen, and stolen bank card data is used for illegal transaction, and propose of the present inventionly to confirm phone, safety payment system and method.
[summary of the invention]
The object of the invention is to provide a kind of confirm phone payment system and correlation method thereof through safety verification, is used for the application that non-face-to-face transaction the time is paid, and for example transaction, phone trading etc. are paid on the net.
The objective of the invention is to realize like this; Adopt a kind of like this payment system that confirms phone through safety verification; It is characterized in that; Described system comprises sales computer system of trade company (2), each user's mobile phone (3), credit card issuer bank card business dealing computer system (4), real-time monitoring trading computer system (5), authentication inquiry computer system (6), the credit card issuer computer inquery system (7) of mobile-phone payment computer system (1), each trade company; Wherein, Described mobile-phone payment computer system (1) is inquired about the network connection mutually of computer system (6), credit card issuer computer inquery system (7) with sales computer system of trade company (2), credit card issuer bank card business dealing computer system (4), monitoring trading computer system (5), the authentication in real time of each trade company respectively; And; User and trade company conclude the business and when using the payment of its bank card; Generate according to transaction by sales computer system of trade company (2) and to comprise user's authentication information,, and inquire about the authentication information that computer system (6) is verified the user through authentication by the bank card account information of mobile-phone payment computer system (1) through credit card issuer computer inquery system (7) checking user with the pay invoice of bank card account information and payment is sent to mobile-phone payment computer system (1); After checking bank card account information and authentication information are errorless; Mobile-phone payment computer system (1) is carried out communication through telephone network (9) and this user's mobile phone (3), and to obtain the payment cipher of user's input, mobile-phone payment computer system (1) is through credit card issuer bank card business dealing computer system (4) checking user's bank card account information and payment and payment cipher then; All checking errorless back mobile phone payment computer system (1) is just proceeded the subsequent operation of this pay invoice; Comprise account transfer, return payment successful information or the like operation, and whether mobile-phone payment computer system (1) unusual condition occurs through each transaction of real-time monitoring trading computer system (5) monitoring to sales computer system of trade company (2); When noting abnormalities situation, in time stop unusual transaction.
In this manual; Described authentication information can comprise the information of ground pass information, other proof user identity in user's ID card information, cell-phone number information, passport information, driver's license information, area, the Hong Kong, Macao and Taiwan resident, or the information of being made up of above-mentioned wherein each information or multinomial information.
For realizing the object of the invention; Also adopt a kind of like this method of payment that confirms phone through safety verification; It is characterized in that; Described method comprises that user and trade company conclude the business and when using the payment of its bank card; Generate according to transaction by sales computer system of trade company (2) and to comprise user's authentication information,, and inquire about the authentication information that computer system (6) is verified the user through authentication by the bank card account information of mobile-phone payment computer system (1) through credit card issuer computer inquery system (7) checking user with the pay invoice of bank card account information and payment is sent to mobile-phone payment computer system (1); After checking bank card account information and authentication information are errorless; Mobile-phone payment computer system (1) is carried out communication through telephone network (9) and this user's mobile phone (3), and to obtain the payment cipher of user's input, mobile-phone payment computer system (1) is through credit card issuer bank card business dealing computer system (4) checking user's bank card account information and payment and payment cipher then; All checking errorless back mobile phone payment computer system (1) is just proceeded the subsequent operation of this pay invoice; Comprise account transfer, return payment successful information or the like operation, and whether mobile-phone payment computer system (1) unusual condition occurs through each transaction of real-time monitoring trading computer system (5) monitoring to sales computer system of trade company (2); When noting abnormalities situation, in time stop unusual transaction.
So just realized the object of the invention.
Confirm phone payment system and correlation method thereof through safety verification of the present invention; Adopt the payment and the verification technique of innovation; Solve at present that there is information security hidden danger in third party's electronic fare payment system when carrying out non-face-to-face transaction payment with bank card; Ensure the safety of bank card business dealing disposal environment, effectively prevent illegal generation of stealing incidents such as card payment, illegal Xian's money, improve bank card electronic payment field Secure Application level.
[description of drawings]
Fig. 1 is the structural representation key diagram of system of the present invention;
Fig. 2 is the flow process schematic illustration that method of the present invention is paid in real time;
Fig. 3 is the flow process schematic illustration that method of the present invention is carried out the non real-time payment;
Fig. 4 is the business customizing flow process schematic illustration that method of the present invention is carried out authentication;
Fig. 5 is the flow process schematic illustration that method of the present invention is carried out real-time monitoring trading;
Fig. 6 is the subscriber authentication flow process schematic illustration of method of the present invention when carrying out the commodity distribution link;
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the numeral of circle and the straight line of band arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.
[embodiment]
The present invention is through the safety verification technological innovation; Develop the novel safety verification payment system that confirms phone; Utilize bank card user authentication means to combine to confirm phone payment; And, make non-aspectant E-Payment when convenient payment is provided through real-time monitoring technique and means, have more safety with efficient.Native system solves the information-leakage problem of stealing card money laundering payment and payment system itself at present, helps improving the safe disposal environment of non-face-to-face bank card business dealing.
Below in conjunction with accompanying drawing, method of the present invention is done further explain.
Fig. 1 is the structural representation key diagram of system of the present invention; It is a payment services plateform system that is applied to the financial service field that the mobile-phone payment computer system (1) that is positioned over financial institution has been shown among the figure; Be convenient explanation; Adopt financial institution to use hand call payment system at this principal character of the present invention is described as an example, the present invention also can be used for application such as other industries that relate to payment, mechanism, payment platform.
Continue to consult Fig. 1; System shown in Fig. 1 comprises sales computer system of trade company (2), each user's mobile phone (3), credit card issuer bank card business dealing computer system (4), real-time monitoring trading computer system (5), authentication inquiry computer system (6), the credit card issuer computer inquery system (7) of mobile-phone payment computer system (1), each trade company; Wherein, Described mobile-phone payment computer system (1) respectively with the sales computer system of trade company (2) of each trade company, credit card issuer bank card business dealing computer system (4), in real time monitoring trading computer system (5), authentication inquiry computer system (6) and credit card issuer computer inquery system (7) mutually network be connected; And; User and trade company conclude the business and when using the payment of its bank card; Generate according to transaction by sales computer system of trade company (2) and to comprise user's authentication information and the pay invoice of bank card account information and payment is sent to mobile-phone payment computer system (1); By the bank card account information of mobile-phone payment computer system (1) through credit card issuer computer inquery system (7) checking user; Reach the authentication information through authentication inquiry computer system (6) checking user, after checking bank card account information and authentication information were errorless, mobile-phone payment computer system (1) was carried out communication through telephone network (9) and this user's mobile phone (3); To obtain the payment cipher of user's input; Mobile-phone payment computer system (1) is through credit card issuer bank card business dealing computer system (4) checking user's bank card account information and payment and payment cipher then, verifies that all errorless back mobile phone payment computer system (1) just proceeds the subsequent operation of this pay invoice, comprises account transfer, returns to sales computer system of trade company (2) and pay successful information or the like and operate; And; Whether mobile-phone payment computer system (1) unusual condition occurs through each transaction of real-time monitoring trading computer system (5) monitoring, when noting abnormalities situation, in time stops unusual transaction.
Continue to consult Fig. 1; Mobile-phone payment computer system (1) shown in Fig. 1 comprises single module (11), transaction modules (12), voice module (13) down at least; Communication module (14), authentication module (15); Wherein, following single module (11) and sales computer system of trade company (2) network connection are mutually realized in real time the place an order service of sales computer system of trade company (2) to the user; The network connection mutually of transaction modules (12) and credit card issuer bank card business dealing computer system (4), authentication module (15) are inquired about computer system (6) and credit card issuer computer inquery system (7) network connection mutually with authentication respectively; Communication module (14) is used for setting up contact through telephone network (9) and each user's mobile phone (3) with voice module (13); Play the voice messaging of relevant payment etc. to user's mobile phone (3); And gather the payment cipher that the user is imported at its mobile phone (3), just send credit card issuer bank card business dealing computer system (4) to after communication module (14) is also encrypted user's payment cipher and verify.In addition, the following single module (11) of described mobile-phone payment computer system (1) passes through the physics separate management with transaction modules (12), realizes real user's bank card data security separate management.
Continue to consult Fig. 1; Real-time monitoring trading computer system (5) shown in Fig. 1 comprises enquiry module (51), monitor processing module (52), telephone line terminal module (53), communication module (54) at least; Real-time monitoring trading computer system (5) and mobile-phone payment computer system (1) network mutually connect; Monitoring trading computer system (5) is through enquiry module (51) and monitor processing module (52) and telephone line terminal module (53) in real time; Real-time monitoring and processing are carried out in unusual transaction, money laundering suspicion transaction etc., and reported, so that in time handle abnormal conditions to relevant monetary authority department.In addition, monitoring trading computer system (5) to circular abnormal conditions such as user mobile phone (3), sales computer systems of trade company (2), lets user, trade company etc. can in time stop unusual transaction through communication module (54) in real time.In addition,, can report upper-level leader financial institution in real time, and can report and further handle, guarantee user's bank card fund security to public security organ for confirming as doubtful illegal transaction.
Continue to consult Fig. 1; System shown in Fig. 1 also includes home-delivery center's verification system (20); Described home-delivery center verification system (20) includes order module (21), dispensing module (22), communication module (23), authentication module (24); Wherein, order module (21) is mainly used in to receive handles the order of having accomplished payment, sets up order data information; Dispensing module (22) is mainly used in according to order data information and sets up the dispensing data and arrange delivery service; Communication module (23) is mainly used in the communication that realizes between home-delivery center's verification system (20) and the dispensing person's deliver goods mobile phone dedicated (30); And; When dispensing person carries out delivery service deliver goods that home-delivery center's verification system (20) arranged and gives the consignee; Dispensing person is with information such as consignee's I.D. and appearance characteristics; Deliver goods mobile phone dedicated (30) through being equipped with is transferred to home-delivery center's verification system (20), by home-delivery center's verification system (20) information such as consignee's I.D. and appearance characteristic is verified, verify successfully back dispensing person ability with dilivery of freight to the consignee.In addition, described deliver goods mobile phone dedicated (30) can be to have camera function and the mobile phone of sending out function of multimedia message, can gather consignee's appearance image quickly and easily, sends the appearance image to home-delivery center's verification system (20) through multimedia message then and verifies.
In this manual; Described telephone network (9) comprises and includes but not limited to the network of being made up of mobile telephone network and/or fixed telephone network etc.: mobile phone internet (WAP), mobile phone wireless net (GPRS), SMS (SMS), cell phone multimedia message (MMS), telephone voice system (IVR) and other can be through the modes of phone transmission data; And described internet (8) comprise various communications and data network, can supply to carry out communication between user and the trade company, comprise the network access of online computing, surfing Internet with cell phone and relevant device.
The payment that is particularly suitable for being applied to non-face-to-face transaction such as network or teleshopping through confirm phone payment system and the correlation method thereof of safety verification of the present invention; Can sell the different service type of payment by trade company, can be categorized as pay down and non-pay down flow process.Below in conjunction with the different examples of implementation of Fig. 2 to Fig. 6, respectively method of the present invention is done further explain,
Consult Fig. 2, Fig. 2 is the flow process schematic illustration that method of the present invention is paid in real time, and Fig. 2 shows the examples of implementation that are applied to gathering back deliver goods earlier or the business of service is provided, and these examples of implementation comprise the steps:
2A. the user is through the website marketing system of internet (8) with trade company; Or use mobile phone (3) to get in touch communication through telephone network (9) and call center's marketing system of trade company; Both sides confirm to buy and sell order, and the user provides bank's card number, the cell-phone number that is used for paying to sales computer system of trade company (2); The user uses mobile phone (3) to confirm before the payment operation steps that must carry out mobile-phone payment business customizing and authentication earlier;
2B. sales computer system of trade company (2) is sent to the mobile-phone payment computer system (1) that is attached thereto with user's bank's card number, cell-phone number, payment; And sales computer system of trade company (2) submits the pay down request to mobile-phone payment computer system (1);
2C. the pay down request that mobile-phone payment computer system (1) is submitted to sales computer system of trade company (2), promptly in real time through the mobile phone (3) of telephone network (9) calling party through business customizing, the request user confirms payment;
2D. user's answering cell phone payment computer system (1) voice incoming call is listened to and the payout status that confirms an order, and at mobile phone (3) input payment of bank card password, through telephone network (9) payment cipher is sent to mobile-phone payment computer system (1) by mobile phone (3);
2E. mobile-phone payment computer system (1) together with transaction message, is sent to this payment cipher credit card issuer bank card business dealing computer system (4) and submits transaction request to;
2F. credit card issuer bank card business dealing computer system (4) is checked the errorless back of this payment cipher and is accomplished the account and withhold, and the successful information of will withholing is sent to mobile-phone payment computer system (1);
2G. mobile-phone payment computer system (1) is user's the bank card account successful information of withholing, and is sent to user's mobile phone (3) through telephone network (9), is real-time transmitted to sales computer system of trade company (2) simultaneously.
Consult Fig. 3, Fig. 3 is the flow process schematic illustration that method of the present invention is carried out the non real-time payment, and Fig. 3 shows the examples of implementation of the business that is applied to home delivery service and gathering, below is that the detailed step flow process of these examples of implementation is following:
3A. the user gets in touch communication through internet (8) with the website marketing system of trade company or through telephone network (9) and call center's marketing system of trade company; Both sides confirm to buy and sell order, and the user provides bank's card number, the cell-phone number that is used for paying to sales computer system of trade company (2); The user uses mobile phone (3) to confirm before the payment operation steps that must carry out mobile-phone payment business customizing and authentication earlier;
3B. sales computer system of trade company (2) is sent to mobile-phone payment computer system (1) with user's bank's card number, cell-phone number, payment, and sales computer system of trade company (2) submits non-pay down request to mobile-phone payment computer system (1);
3C. sales computer system of trade company (2) submits to home-delivery center's verification system (20) with distribution information;
3D. home-delivery center's verification system (20) sends dispensing person to hold deliver goods mobile phone dedicated (30) to user's commodity of providing and delivering;
3E. dispensing person carries out on-site verification to user's identity document; Verification method can also adopt other checking way and steps that go out as shown in Figure 6;
3F. after authentication was passed through, dispensing person held mobile-phone payment computer system (1) is sent a telegraph in deliver goods mobile phone dedicated (30) through telephone network (9) voice platform initiation Payment Request;
3G. mobile-phone payment computer system (1) is sent a telegraph user's mobile phone (3) immediately, and initiates voice payment and confirm request;
3H. user's answering cell phone payment computer system (1) voice incoming call is listened to and the payout status that confirms an order, and at mobile phone (3) input payment of bank card password, through telephone network (9) payment cipher is sent to mobile-phone payment computer system (1) by mobile phone (3);
3I. mobile-phone payment computer system (1) together with transaction message, is sent to this payment cipher credit card issuer bank card business dealing computer system (4) and submits transaction request to;
3J. credit card issuer bank card business dealing computer system (4) is checked the errorless back of this payment cipher and is accomplished the account and withhold, and the successful information of will withholing is sent to mobile-phone payment computer system (1);
3K. mobile-phone payment computer system (1) is with user's the bank card account successful information of withholing, mobile phone (3) and dispensing person's deliver goods mobile phone dedicated (30) through telephone network (9) SMS notification user are real-time transmitted to sales computer system of trade company (2) simultaneously.
Business customizing in the above-mentioned mobile-phone payment flow process; Be the user passed through in the business customizing process the checking of user identity and bank card information, and through after the checking of bank card payment cipher; User's customization record is just activated by mobile-phone payment computer system (1), and the user side can complete successfully the payment services that confirm phone.Consult Fig. 4, Fig. 4 is the business customizing flow process schematic illustration that method of the present invention is carried out authentication, specifically comprises the steps:
4A. service customizing information such as the cell-phone number that the user will be used for paying through internet (8) or telephone network (9), bank's card number information, authentication information are sent to mobile-phone payment computer system (1); Perhaps user's business customizing data also can be sent to mobile-phone payment computer system (1) through sales computer system of trade company (2) again;
4B. mobile-phone payment computer system (1) promptly forms user's business customizing data logging to the business customizing data that the user submits to, and can notify user's mobile phone (3) business customizing to write down successfully through mobile phone short message;
4C. mobile-phone payment computer system (1) is sent to credit card issuer computer inquery system (7) requests verification with the bank card information that the user submits to;
4D. after credit card issuer computer inquery system (7) passes through the bank card information checking to the user, and return the checking result in real time to mobile-phone payment computer system (1);
4E. after user's bank card information that mobile-phone payment computer system (1) is returned credit card issuer computer inquery system (7) is verified correctly, continue to submit to user's authentication information to verify to authentication inquiry computer system (6);
4F. after authentication inquiry computer system (6) is passed through the authentication information checking to the user, and return the checking result in real time to mobile-phone payment computer system (1); After the user's that mobile-phone payment computer system (1) is returned authentication inquiry computer system (6) authentication information checking is correct, promptly accomplish customization data authentication to the user;
4G. mobile-phone payment computer system (1), is initiated payment cipher checking request through telephone network (9) calling party's mobile phone (3);
4H. user's answering cell phone payment computer system (1) incoming call is pressed the voice prompting, goes up input payment of bank card password at mobile phone (3), through telephone network (9) payment cipher is sent to mobile-phone payment computer system (1) by mobile phone (3);
4I. mobile-phone payment computer system (1) is sent to credit card issuer bank card business dealing computer system (4) checking with this payment cipher;
4J. after credit card issuer bank card business dealing computer system (4) is accomplished checking, return the checking result to mobile-phone payment computer system (1);
4K. mobile-phone payment computer system (1) activates the successful user's through credit card issuer bank card business dealing computer system (4) checking business customizing record, and has activated available through telephone network (9) short message notification user's mobile phone (3) business customizing.
After customer service customizes successfully; Can carry out the mobile-phone payment business, in the process of payment, system and method for the present invention; Be provided with a cover real-time monitoring trading computer system (5); In succession long-range with mobile-phone payment computer system (1), the device of this real-time monitoring trading computer system (5) includes: server, sound card, display, phone, and monitor in real time by the services personnel.The sound card assembly is in server, and server is connected through special line with mobile-phone payment computer system (1), realizes that transaction is inquired about in real time, functions such as subscriber data checking are handled and resubmited in transaction in real time unusually.Consult Fig. 5, Fig. 5 is the flow process schematic illustration that method of the present invention is carried out real-time monitoring trading, and concrete steps flow chart is following:
5A. transaction monitoring team finds to have unusual transaction situation in real-time monitoring trading computer system (5), then initiates to suspend trading and verifies the requirement of examining this transaction user identity again to mobile-phone payment computer system (1) through real-time monitoring trading computer system (5);
5B. mobile-phone payment computer system (1) submits to unusual transaction user's bank card information to carry out user rs authentication to credit card issuer computer inquery system (7) immediately;
5C. after credit card issuer computer inquery system (7) passes through the bank card information checking to the user, and return mobile-phone payment computer system (1) checking result in real time; As can not pass through, then directly get into the 5G step process;
5D. after the unusual transaction user bank card information checking that credit card issuer computer inquery system (7) returns is correct, mobile-phone payment computer system (1) will continue to submit to unusual transaction user's authentication information to verify to authentication inquiry computer system (6);
5E. authentication inquiry computer system (6) is passed through after the subscriber authentication Information Authentication, and returns mobile-phone payment computer system (1) checking result in real time; As can not pass through, then get into the 5G step process;
5F. the transaction monitoring personnel then initiate phone through telephone network (9) to user's mobile phone (3) and pay a return visit service, check identity information, bank card information with it, further, its identity and bank card information are checked in the visit of then can calling on the spot;
5G. the transaction monitoring personnel are promptly to mobile-phone payment computer system (1) requirement of All Activity of bank card of initiating to stop forever concluding the business unusually; Simultaneously, initiate to stop user's the transaction-based requirements of concluding the business unusually to trade company, and require trade company unusual transaction corrective operation measure such as recover through telephone network (9) call voice and fax form; Simultaneously, the transaction monitoring personnel can report processing to higher level monetary authority and public security department.
In the present invention, the commodity distribution link of trade company can be implemented safety verification to transaction simultaneously, as the threshold of last one transaction verification.Consult Fig. 6, Fig. 6 is the subscriber authentication flow process schematic illustration of method of the present invention when carrying out the commodity distribution link, and concrete step is following:
6A. sales computer system of trade company (2) sends order data information to home-delivery center's verification system (20);
6B. home-delivery center's verification system (20) is set up the dispensing data and arranged delivery service according to order data information, dispensing person holds deliver goods mobile phone dedicated (30) and carries out the delivery service that home-delivery center's verification system (20) arranged the order commodity must be arrived the place of receipt;
User's the proof of identification data 6C. dispensing person's checking is received;
6D. dispensing person is sent to trade company sales computer system (2) through telephone network (9) with note or speech form through the personal identification card document of deliver goods mobile phone dedicated (30) with the user, confirms user's membership information and purchase information;
6E. sales computer system of trade company (2) is sent to dispensing person's deliver goods mobile phone dedicated (30) with user's order and member verification result; Through checking, dispensing person can provide the order commodity to accomplish delivery service to the user;
6F. dispensing person more can make a video recording user's photographic information through deliver goods mobile phone dedicated (30), and is sent to mobile-phone payment computer system (1) with the mode of multimedia message;
6G. mobile-phone payment computer system (1) is sent to authentication inquiry computer system (6) checking with user's identification photographs;
6H. authentication inquiry computer system (6) is returned the checking result and is given mobile-phone payment computer system (1);
6I. mobile-phone payment computer system (1) sends user's image authentication result to dispensing person's deliver goods mobile phone dedicated (30) through note; The photographic information checking is passed through, and can accomplish transaction.
In addition; For guaranteeing the safety of internet (8) transmission data; System and method for of the present invention can be taked software, hardware encipher method to the data of internet (8) transmission; Simultaneously, for the Network Transmission of guaranteeing pay invoice meets corresponding laws and regulations, give the digital certificate authentication method for the sequence information transmission of trade company.
Below specified the principal character of confirm phone payment system and the correlation method thereof through safety verification of the present invention; Spirit of the present invention do not receive among the embodiment specify limit; Various variation situations under the situation that does not break away from spirit of the present invention all belong to category of the present invention.
Confirm phone payment system and correlation method thereof through safety verification of the present invention can be protected fund security, transaction security and the transaction data safety of user's bank card to greatest extent.The present invention more requires trade company simultaneously the negotiator to be implemented the requirement of system of real name, makes transactional services tool trackability.Being specially adapted to provides long-range non-aspectant safe mobile-phone payment service to trade company, mainly comprises following:
1. the payment services of Call Center Platform: trade company has Call Center Platform, when the contact staff answers member user's subscribed telephone, can be embodied directly in the real-time payment services of line.Mainly comprise E-ticket payment, taking out insurances payment, train ticket payment, the payment of tourism admission ticket, a golf payment in advance, and the payment of passing through telephone service of some other member's class, order film ticket and pay or the like like make a reservation payment, member of member.
2. online shopping mall's payment services: trade company has large-scale online service store, and has and develop the real name user of online shopping mall, and system and method for the present invention can embed the online shopping mall of businessman, for the user provides convenient safe mobile-phone payment channel.
3. paying service: for all kinds of public institutions provide online or Call Center Platform realizes real-time paying service; Comprise the chargeable service on time of the electricity charge, water rate, gas charge, wire telephony etc., and the expense of entering oneself for the examination paid to education and training organization of various places student, training expenses, tuition and incidental expenses etc.
Confirm phone payment system and correlation method thereof through safety verification of the present invention will be to professional useful the replenishing of bank electric payment, the electronic payment mode of user and trade company brought greatly convenient and efficient.
Claims (10)
1. payment system that confirms phone through safety verification; It is characterized in that; Described system comprises sales computer system of trade company (2), each user's mobile phone (3), credit card issuer bank card business dealing computer system (4), real-time monitoring trading computer system (5), authentication inquiry computer system (6), the credit card issuer computer inquery system (7) of mobile-phone payment computer system (1), each trade company; Wherein, Described mobile-phone payment computer system (1) is inquired about the network connection mutually of computer system (6), credit card issuer computer inquery system (7) with sales computer system of trade company (2), credit card issuer bank card business dealing computer system (4), monitoring trading computer system (5), the authentication in real time of each trade company respectively; And; User and trade company conclude the business and when using the payment of its bank card; Generate according to transaction by sales computer system of trade company (2) and to comprise user's authentication information and the pay invoice of bank card account information and payment is sent to mobile-phone payment computer system (1); By the bank card account information of mobile-phone payment computer system (1) through credit card issuer computer inquery system (7) checking user; Reach authentication information through authentication inquiry computer system (6) checking user; After checking bank card account information and authentication information were errorless, mobile-phone payment computer system (1) was carried out communication through telephone network (9) and this user's mobile phone (3), to obtain the payment cipher of user's input; Mobile-phone payment computer system (1) is through credit card issuer bank card business dealing computer system (4) checking user's bank card account information and payment and payment cipher then, verifies that all errorless back mobile phone payment computer system (1) just proceeds the subsequent operation of this pay invoice.
2. the system of claim 1 is characterized in that, whether described mobile-phone payment computer system (1) unusual condition occurs through each transaction of real-time monitoring trading computer system (5) monitoring, when noting abnormalities situation, in time stops unusual transaction.
3. the system of claim 1; It is characterized in that; Described mobile-phone payment computer system (1) comprises single module (11), transaction modules (12), voice module (13) down at least; Communication module (14), authentication module (15), and the following single module (11) of described mobile-phone payment computer system (1) passes through the physics separate management with transaction modules (12).
4. the system of claim 1 is characterized in that, described real-time monitoring trading computer system (5) comprises enquiry module (51), monitor processing module (52), telephone line terminal module (53), communication module (54) at least.
5. system as claimed in claim 4; It is characterized in that; Described real-time monitoring trading computer system (5) is verified communication through telephone line terminal module (53) with trade company and user; The manual work supervision is carried out in unusual transaction, the transaction of money laundering suspicion, in time stopped this type of transactional services, and/or in time be directed against the report of unusual transaction situation.
6. the system of claim 1; It is characterized in that; Described system also includes home-delivery center's verification system (20), and described home-delivery center verification system (20) includes order module (21), dispensing module (22), communication module (23), authentication module (24), wherein; Order module (21) is mainly used in to receive handles the order of having accomplished payment, sets up order data information; Dispensing module (22) is mainly used in according to order data information and sets up the dispensing data and arrange delivery service; Communication module (23) is mainly used in the communication that realizes between home-delivery center's verification system (20) and the dispensing person's deliver goods mobile phone dedicated (30); And; When dispensing person carries out delivery service deliver goods that home-delivery center's verification system (20) arranged and gives the consignee; Dispensing person is with information such as consignee's I.D. and appearance characteristics; Deliver goods mobile phone dedicated (30) through being equipped with is transferred to home-delivery center's verification system (20), by home-delivery center's verification system (20) information such as consignee's I.D. and appearance characteristic is verified, verify successfully back dispensing person ability with dilivery of freight to the consignee.
7. method of payment that confirms phone through safety verification; It is characterized in that; Described method comprises that user and trade company conclude the business and when using the payment of its bank card; Generate according to transaction by sales computer system of trade company (2) and to comprise user's authentication information and the pay invoice of bank card account information and payment is sent to mobile-phone payment computer system (1); By the bank card account information of mobile-phone payment computer system (1), reach authentication information, after checking bank card account information and authentication information are errorless through authentication inquiry computer system (6) checking user through credit card issuer computer inquery system (7) checking user; Mobile-phone payment computer system (1) is carried out communication through telephone network (9) and this user's mobile phone (3); To obtain the payment cipher of user input, mobile-phone payment computer system (1) is through credit card issuer bank card business dealing computer system (4) checking user's bank card account information and payment and payment cipher then, verifies that all errorless back mobile phone payment computer system (1) just proceeds the subsequent operation of this pay invoice; And; Whether mobile-phone payment computer system (1) unusual condition occurs through each transaction of real-time monitoring trading computer system (5) monitoring, when noting abnormalities situation, in time stops unusual transaction.
8. method as claimed in claim 7 is characterized in that described method also comprises the steps:
2A. the user is through the website marketing system of internet (8) with trade company; Or use mobile phone (3) to get in touch communication through telephone network (9) and call center's marketing system of trade company; Both sides confirm to buy and sell order, and the user provides bank's card number, the cell-phone number that is used for paying to sales computer system of trade company (2); The user uses mobile phone (3) to confirm before the payment operation steps that must carry out mobile-phone payment business customizing and authentication earlier;
2B. sales computer system of trade company (2) is sent to the mobile-phone payment computer system (1) that is attached thereto with user's bank's card number, cell-phone number, payment; And sales computer system of trade company (2) submits the pay down request to mobile-phone payment computer system (1);
2C. the pay down request that mobile-phone payment computer system (1) is submitted to sales computer system of trade company (2), promptly in real time through the mobile phone (3) of telephone network (9) calling party through business customizing, the request user confirms payment;
2D. user's answering cell phone payment computer system (1) voice incoming call is listened to and the payout status that confirms an order, and at mobile phone (3) input payment of bank card password, through telephone network (9) payment cipher is sent to mobile-phone payment computer system (1) by mobile phone (3);
2E. mobile-phone payment computer system (1) together with transaction message, is sent to this payment cipher credit card issuer bank card business dealing computer system (4) and submits transaction request to;
2F. credit card issuer bank card business dealing computer system (4) is checked the errorless back of this payment cipher and is accomplished the account and withhold, and the successful information of will withholing is sent to mobile-phone payment computer system (1);
2G. mobile-phone payment computer system (1) is user's the bank card account successful information of withholing, and is sent to user's mobile phone (3) through telephone network (9), is real-time transmitted to sales computer system of trade company (2) simultaneously.
9. method as claimed in claim 7 is characterized in that described method also comprises the steps:
3A. the user gets in touch communication through internet (8) with the website marketing system of trade company or through telephone network (9) and call center's marketing system of trade company; Both sides confirm to buy and sell order, and the user provides bank's card number, the cell-phone number that is used for paying to sales computer system of trade company (2);
The user uses mobile phone (3) to confirm before the payment operation steps that must carry out mobile-phone payment business customizing and authentication earlier;
3B. sales computer system of trade company (2) is sent to mobile-phone payment computer system (1) with user's bank's card number, cell-phone number, payment, and sales computer system of trade company (2) submits non-pay down request to mobile-phone payment computer system (1);
3C. sales computer system of trade company (2) submits to home-delivery center's verification system (20) with distribution information;
3D. home-delivery center's verification system (20) sends dispensing person to hold deliver goods mobile phone dedicated (30) to user's commodity of providing and delivering;
Show effective identity certificate and carry out on-site verification 3E. dispensing person asks for instructions to the user;
3F. after authentication was passed through, dispensing person held mobile-phone payment computer system (1) is sent a telegraph in deliver goods mobile phone dedicated (30) through telephone network (9) voice platform initiation Payment Request;
3G. mobile-phone payment computer system (1) is sent a telegraph user's mobile phone (3) immediately, and initiates voice payment and confirm request;
3H. user's answering cell phone payment computer system (1) voice incoming call is listened to and the payout status that confirms an order, and at mobile phone (3) input payment of bank card password, through telephone network (9) payment cipher is sent to mobile-phone payment computer system (1) by mobile phone (3);
3I. mobile-phone payment computer system (1) together with transaction message, is sent to this payment cipher credit card issuer bank card business dealing computer system (4) and submits transaction request to;
3J. credit card issuer bank card business dealing computer system (4) is checked the errorless back of this payment cipher and is accomplished the account and withhold, and the successful information of will withholing is sent to mobile-phone payment computer system (1);
3K. mobile-phone payment computer system (1) is with user's the bank card account successful information of withholing, mobile phone (3) and dispensing person's deliver goods mobile phone dedicated (30) through telephone network (9) SMS notification user are real-time transmitted to sales computer system of trade company (2) simultaneously.
10. method as claimed in claim 7 is characterized in that described method also comprises the steps:
4A. service customizing information such as the cell-phone number that the user will be used for paying through internet (8) or telephone network (9), bank's card number information, authentication information are sent to mobile-phone payment computer system (1); Perhaps user's business customizing data also can be sent to mobile-phone payment computer system (1) through sales computer system of trade company (2) again;
4B. mobile-phone payment computer system (1) promptly forms user's business customizing data logging to the business customizing data that the user submits to, and can notify user's mobile phone (3) business customizing to write down successfully through mobile phone short message;
4C. mobile-phone payment computer system (1) is sent to credit card issuer computer inquery system (7) requests verification with the bank card information that the user submits to;
4D. after credit card issuer computer inquery system (7) passes through the bank card information checking to the user, and return the checking result in real time to mobile-phone payment computer system (1);
4E. after user's bank card information that mobile-phone payment computer system (1) is returned credit card issuer computer inquery system (7) is verified correctly, continue to submit to user's authentication information to verify to authentication inquiry computer system (6);
4F. after authentication inquiry computer system (6) is passed through the authentication information checking to the user, and return the checking result in real time to mobile-phone payment computer system (1); After the user's that mobile-phone payment computer system (1) is returned authentication inquiry computer system (6) authentication information checking is correct, promptly accomplish customization data authentication to the user;
4G. mobile-phone payment computer system (1), is initiated payment cipher checking request through telephone network (9) calling party's mobile phone (3);
4H. user's answering cell phone payment computer system (1) incoming call is pressed the voice prompting, goes up input payment of bank card password at mobile phone (3), through telephone network (9) payment cipher is sent to mobile-phone payment computer system (1) by mobile phone (3);
4I. mobile-phone payment computer system (1) is sent to credit card issuer bank card business dealing computer system (4) checking with this payment cipher;
4J. after credit card issuer bank card business dealing computer system (4) is accomplished checking, return the checking result to mobile-phone payment computer system (1);
4K. mobile-phone payment computer system (1) activates the successful user's through credit card issuer bank card business dealing computer system (4) checking business customizing record, and has activated available through telephone network (9) short message notification user's mobile phone (3) business customizing.
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| CN2010102658008A CN102376049A (en) | 2010-08-27 | 2010-08-27 | Cell phone payment confirmation system based on security verification and corresponding method thereof |
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| CN2010102658008A CN102376049A (en) | 2010-08-27 | 2010-08-27 | Cell phone payment confirmation system based on security verification and corresponding method thereof |
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| CN110414197A (en) * | 2019-08-06 | 2019-11-05 | 中国工商银行股份有限公司 | The bank-user auth method and device of Behavior-based control feature |
| CN113487312A (en) * | 2021-08-04 | 2021-10-08 | 中国工商银行股份有限公司 | Telephone payment method and system |
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