CN106682901A - Method and device for preventing malicious payment - Google Patents
Method and device for preventing malicious payment Download PDFInfo
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- CN106682901A CN106682901A CN201611162223.3A CN201611162223A CN106682901A CN 106682901 A CN106682901 A CN 106682901A CN 201611162223 A CN201611162223 A CN 201611162223A CN 106682901 A CN106682901 A CN 106682901A
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- checking information
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- 238000000034 method Methods 0.000 title claims abstract description 32
- 230000005540 biological transmission Effects 0.000 claims description 8
- 230000001960 triggered effect Effects 0.000 claims description 6
- 238000012795 verification Methods 0.000 abstract 5
- 238000010586 diagram Methods 0.000 description 5
- 230000006399 behavior Effects 0.000 description 3
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention discloses a method for preventing malicious surcharge, which comprises the following steps: the server receives a payment withholding request, wherein the payment withholding request comprises payment withholding account information; the server generates first verification information and stores the corresponding relation between the first verification information and the payment account information; and the server receives second verification information, and sends a deduction request when the second verification information is determined to comprise the first verification information and the payment account information. Meanwhile, the invention also discloses a device for preventing malicious payment by others.
Description
Technical field
The present invention relates to pay field by mails, more particularly to a kind of method and device for preventing malice from paying out.
Background technology
Pay out when referring to behavior that user is bought, the behavior paid by other people.With sending out for internet business
Exhibition, the behavior paid out is more and more universal.
In E-Payment field, user A can specify user in the way of selecting to pay out when commodity are bought by user A
B is paid, and after user B pays success, user A successfully buys commodity.Pay out in flow process existing, if user A is logical
Improper method is crossed, is distorted to paying out user.name, for example, be changed to the name on account of user C, then deducted fees flat
Platform can deduct fees to user's C Jing rows, so as to bring economic loss to user C, reduce the safety of E-Payment.
The content of the invention
In view of this, the embodiment of the present invention is expected to provide a kind of method and device for preventing malice from paying out, to avoid paying out
During occur deducting fees the situation of mistake.
To reach above-mentioned purpose, what the technical scheme of the embodiment of the present invention was realized in:
A kind of method for preventing malice from paying out is embodiments provided, methods described includes:
Server is received pays out request, and described paying out asks to include paying out accounts information;
The server generates the first checking information, stores first checking information and described pays out between accounts information
Corresponding relation;
The server receives the second checking information, determine second checking information include first checking information and
Described when paying out accounts information, transmission is deducted fees request.
In such scheme, methods described also includes:Determine that second checking information does not include first checking information
Or it is described when paying out accounts information, pay out request described in the server termination.
In such scheme, after server is received and pays out request, methods described also includes:The server generates secret order,
And the secret order is sent to purchase account;
The first checking information of the storage and the corresponding relation paid out between accounts information, including:Store described
One checking information, the corresponding relation paid out between accounts information and the secret order;
The transmission is deducted fees before request, including:Determine that second checking information includes first checking information, institute
State and pay out accounts information and the secret order.
In such scheme, after the server generates first checking information, methods described also includes:The service
Device sends first checking information to account is paid out, so that the account of paying out sends first checking information to purchase
Acknowledge family.
In such scheme, transmission is deducted fees after request, and methods described also includes:The server to purchase account returns button
Take result.
The embodiment of the present invention additionally provides a kind of device for preventing malice from paying out, and described device includes:Receiver module, generation
Module, memory module, judge module, sending module;Wherein,
The receiver module, for receiving request is paid out, and described paying out asks to include paying out accounts information;It is additionally operable to receive
Second checking information;
The generation module, for generating the first checking information;
The memory module, for storing the first checking information and the corresponding relation paid out between accounts information;
The judge module, for determining that second checking information includes first checking information and described pays out account
During the information of family, sending module is triggered;
The sending module, for sending request of deducting fees.
In such scheme, described device also includes terminating module,
The termination module, for paying out request described in termination.
In such scheme, the generation module is additionally operable to generate secret order;
The sending module, is additionally operable to send the secret order to purchase account;
The memory module, specifically for storing first checking information, the accounts information of paying out with the secret order
Between corresponding relation;
The judge module, specifically for determining that second checking information includes first checking information, the generation
When paying accounts information and the secret order, sending module is triggered.
In such scheme, the sending module is additionally operable to first checking information be sent to described and pays out account.
In such scheme, the sending module is additionally operable to that result of deducting fees will be returned to purchase account.
The method and device for preventing malice from paying out provided in an embodiment of the present invention, server is received and pays out request, the generation
Paying request includes paying out accounts information;The server generates the first checking information, store first checking information with it is described
Pay out the corresponding relation between accounts information;The server receives the second checking information, determines the second checking information bag
Include first checking information and described when paying out accounts information, transmission is deducted fees request.It can be seen that, the present invention is due to demonstrating second
Whether containing accounts information is paid out in checking information, cause the user that request is paid out to distort and pay out accounts information to change
Be finally completed pay out pay out account, can prevent malice from paying out the unnecessary loss for bringing other accounts, improve electronics
The safety paid, improves the experience of user.
Description of the drawings
Fig. 1 is that embodiment one prevents the method flow that malice is paid out from realizing schematic diagram;
Fig. 2 is that embodiment two prevents the method flow that malice is paid out from realizing schematic diagram;
Fig. 3 is the schematic diagram of a scenario during use;
Fig. 4 is the apparatus structure schematic diagram that embodiment three prevents malice from paying out;
The apparatus structure schematic diagram that Fig. 5 prevents from maliciously paying out for example IV.
Specific embodiment
Embodiment one
In the present embodiment, a kind of flow process of the method for preventing malice from paying out is realized illustrating as shown in figure 1, specifically including:
Step 101, server is received pays out request, and described paying out asks to include paying out accounts information;
Specifically, it is described to pay out request including accounts information is paid out, it is described to pay out the user that accounts information is paid out by request
Specified, for example, when determining that current payment needs to pay out using the user of user equipment, selection needs the account paid out for it,
User equipment, it is determined that paying out accounts information, then, is logged in buying account according to the selection operation of the user input for receiving
The user equipment sends to server and pays out request.
Purchase account user orientation server sends pays out request.Described paying out asks to include buying accounts information, purchase object
With pay out accounts information.The purchase accounts information is the information of the account for being currently needed for purchase object, described to pay out account letter
Cease the information of the account paid out for the user's request of purchase object, accounts information can be user's name or user account, such as
QQ numbers, wechat pet name etc.;It can also be communicating number.The purchase object can be the commodity or clothes that user expects purchase
Business etc..
Step 102, the server generates the first checking information, stores first checking information and pays out account with described
Corresponding relation between information;
Specifically, whether the server can generate the first checking information, obtained paying out account for checking purchase account
The mandate at family, first checking information can be the checking informations such as identifying code, checking note, checking picture.
Server is generated after the first checking information, is stored first checking information, is paid out accounts information and therebetween
Corresponding relation can be specifically for first checking information and pay out accounts information distribution unique reference number, be tested with identifying first
Card information and pay out the corresponding relation between accounts information.
Step 103, when the server receives the second checking information, determines that second checking information includes described the
One checking information and described when paying out accounts information, transmission is deducted fees request.
Specifically, buy whether account has obtained paying out the mandate of account, the second checking information can be sent, but,
After purchase account sends the second checking information to the server, server needs the second checking information to receiving to sentence
It is disconnected, whether judge in the second checking information comprising first checking information with corresponding relation of storage in step 102 and described
Pay out accounts information.
The first checking information with corresponding relation stored in step 102 is included in the second checking information and the generation
When paying accounts information, the server sends request of deducting fees to platform of deducting fees, so that the platform of deducting fees pays out account according to described
Family information is deducted fees to paying out account.The server is deducted fees after success in platform of deducting fees, according to purchase accounts information, to purchase
Family PUSH message of acknowledging is notified, and gives purchase account by the ownership transfer of purchase commodity, such as buy account application and pay out account
Purchase music download authority is paid out at family, then open the download permission of the music.
Further, server can also return result of deducting fees to purchase account.
The probability paid out of malice can be reduced by above-described embodiment, it is to avoid purchase account pays out account by distorting
Information makes third party user be subjected to economic loss.
Embodiment two
In the present embodiment, a kind of flow process of method for preventing malice from paying out is realized illustrating as shown in Fig. 2 here in conjunction with paying out
Illustrated using scene Fig. 3:
Step 201, purchase account is initiated to pay out, and sends to server and pays out request;
Specifically, user A is purchase account, and to pay out account, user A uses the client in terminal to user B
Send to the server for providing purchase object and pay out request, that such as buys music pays out request.The request bag of paying out contains:User
A is input into or the accounts information for paying out user B, such as account name by selecting to specify, that is, pay out accounts information, additionally wraps
The purchase object mark of the desired purchases of user A is included, and bought the user profile of user A, bought accounts information.
Step 202, server is received and pays out request;
Step 203, the server generates the first checking information and secret order, store first checking information, secret order and
The corresponding relation paid out between accounts information;
Specifically, the server is received and paid out after request, generates the first checking information and secret order (token), described
Secret order can be the secret order produced based on the first checking information;Store first checking information, the secret order and described pay out
Accounts information and the corresponding relation of three.
First checking information is sent to and pays out account by step 204, the server, and the account of paying out is by first
Checking information is sent to purchase account;
Specifically, the first checking information for generating is sent to and pays out account, user B by the server, and described first tests
Card information can be the checking informations such as identifying code, checking note, checking picture.If user B confirms to help user A to complete to pay out,
By the first checking information it is oral inform or be sent to purchase account, user A;
Step 205, the server by the secret order send to it is described purchase account, user A, with notify buy account,
User A returns the second checking information.
Step 206, the purchase account, user A are received after secret order, and the second checking information is sent to into the server,
Second checking information includes:The secret order that obtains, the first checking information and pay out accounts information;
Further, second checking information can also include:Purchase accounts information, purchase object etc..
Step 207, the server is received after the second checking information, judges whether second checking information includes storage
The secret order with corresponding relation, first checking information and described pay out accounts information;
Specifically, server is received after the second checking information, secret order, the first checking letter that the second checking information is included
Breath and pay out accounts information, with the secret order with corresponding relation of storage, first checking information and described pay out account
Family information is contrasted, if unanimously, execution step 208, if inconsistent, execution step 209.
Step 208, the server sends to platform of deducting fees and deducts fees request, according to platform of deducting fees return deduct fees result to
Purchase account returns result of deducting fees, to notify whether the purchase account is bought successfully;
Specifically, server sends to platform of deducting fees and deducts fees request, and platform of asking to deduct fees is detained paying out accounts information
Money, to complete the purchase of purchase object;Platform of deducting fees is deducted fees, and is returned to server and deducted fees result, for example deduct fees successfully,
Deduct fees failure etc., server to purchase account returns result of deducting fees, to notify to buy whether account is bought successfully.
Step 209, server notifies purchase account purchase failure.
The present embodiment, it is possible to reduce the probability maliciously paid out, it is to avoid purchase account pays out accounts information by distorting,
Third party user, such as user C is set to be subjected to economic loss;Further by secret order, third party user can be avoided, used except buying
Family, pay out user that user thinks and replace buying account, user A using including first checking information and pay out accounts information
Acquisition is paid out account, user B and is paid out, and prevents from bringing economic loss to purchase account, user A.
Embodiment three
In the present embodiment, a kind of method of use embodiment one prevent the apparatus structure paid out of malice from illustrating as shown in figure 4,
Including:Receiver module 41, generation module 42, memory module 43, judge module 44 and sending module 45;Wherein,
The receiver module 41, for receiving request is paid out, and described paying out asks to include paying out accounts information;It is additionally operable to connect
Receive the second checking information;
The generation module 42, for generating the first checking information;
The memory module 43, for storing the first checking information and the corresponding relation paid out between accounts information;
The judge module 44, for determining that second checking information includes first checking information and described pays out
During accounts information, sending module is triggered;
The sending module 45, for sending request of deducting fees.
The generation module 42, is additionally operable to generate secret order;
The sending module 45, is additionally operable to send the secret order to purchase account;
The memory module 53, specifically for storing first checking information, described to pay out accounts information close with described
Corresponding relation between order;
The judge module 44, specifically for determining that second checking information includes first checking information, described
When paying out accounts information and the secret order, sending module is triggered.
Wherein, the sending module 45, is additionally operable to first checking information be sent to described and pays out account.
Wherein, the sending module 45, is additionally operable to return result of deducting fees to purchase account.
Example IV
In the present embodiment, a kind of method of use embodiment two prevent the apparatus structure paid out of malice from illustrating as shown in figure 5,
Described device also includes:Terminate module 51;Wherein,
The termination module 51, for paying out request described in termination.
In actual applications, receiver module 41, generation module 42, memory module 43, judge module 44, the and of sending module 45
Terminating module 51 can be by central processing unit (CPU, Central Processing Unit), the microprocessor on mobile terminal
Device (MPU, Micro Processor Unit), digital signal processor (DSP, Digital Signal Processor) or
Field programmable gate array (FPGA, Field Programmable Gate Array) etc. is realized.
A kind of system for preventing malice from paying out, including:Purchase account and server, wherein,
The purchase account, for sending to server request is paid out, and described paying out asks to include paying out accounts information;
The server, for generating the first checking information, stores first checking information and pays out account letter with described
Corresponding relation between breath;Receive the second checking information, determine second checking information include first checking information and
Described when paying out accounts information, transmission is deducted fees request.
The server, is additionally operable to return result of deducting fees to purchase account.
The server, specifically for generating secret order, and the secret order is sent to purchase account;Store described first to test
Card information, the corresponding relation paid out between accounts information and the secret order;Determine that second checking information includes described
First checking information, described pay out accounts information and the secret order.
The server, is additionally operable to first checking information be sent to account is paid out, so that the account of paying out will
First checking information is sent to purchase account.
The above purchase account, pay out account and refer to the client or physical equipment for being logged in proper account information, such as
Intelligent mobile terminal, computer etc..The intelligent mobile terminal can be mobile phone, panel computer (PAD, portable
Android device), palm PC (PDA, Personal Digital Assistant) etc..
The above, only presently preferred embodiments of the present invention is not intended to limit protection scope of the present invention.
Claims (10)
1. it is a kind of to prevent the method paid out of malice, it is characterised in that methods described includes:
Server is received pays out request, and described paying out asks to include paying out accounts information;
The server generates the first checking information, store first checking information and it is described pay out between accounts information it is right
Should be related to;
The server receives the second checking information, determines that second checking information includes first checking information and described
When paying out accounts information, request of deducting fees is sent.
2. method according to claim 1, it is characterised in that methods described also includes:Determine second checking information
Do not include first checking information or described when paying out accounts information, described in the server termination request is paid out.
3. method according to claim 1, it is characterised in that
After server is received and pays out request, methods described also includes:The server generates secret order, and the secret order is sent
To purchase account;
The first checking information of the storage and the corresponding relation paid out between accounts information, including:Store described first to test
Card information, the corresponding relation paid out between accounts information and the secret order;
The transmission is deducted fees before request, including:Determine that second checking information includes first checking information, the generation
Pay accounts information and the secret order.
4. method according to claim 1, it is characterised in that after the server generates first checking information,
Methods described also includes:The server sends first checking information to account is paid out, so that the account of paying out will
First checking information is sent to purchase account.
5. according to the arbitrary described method of Claims 1-4, it is characterised in that transmission is deducted fees after request, and methods described is also wrapped
Include:The server to purchase account returns result of deducting fees.
6. it is a kind of to prevent the device paid out of malice, it is characterised in that described device includes:Receiver module, generation module, storage mould
Block, judge module, sending module;Wherein,
The receiver module, for receiving request is paid out, and described paying out asks to include paying out accounts information;It is additionally operable to reception second
Checking information;
The generation module, for generating the first checking information;
The memory module, for storing the first checking information and the corresponding relation paid out between accounts information;
The judge module, for determining that second checking information includes that first checking information and the account of paying out are believed
During breath, sending module is triggered;
The sending module, for sending request of deducting fees.
7. device according to claim 6, it is characterised in that described device also includes terminating module,
The termination module, for paying out request described in termination.
8. device according to claim 6, it is characterised in that
The generation module, is additionally operable to generate secret order;
The sending module, is additionally operable to send the secret order to purchase account;
The memory module, specifically for storing first checking information, described paying out between accounts information and the secret order
Corresponding relation;
The judge module, specifically for determining that second checking information includes first checking information, described pays out account
When family information and the secret order, sending module is triggered.
9. device according to claim 6, it is characterised in that
The sending module, is additionally operable to first checking information be sent to described and pays out account.
10. according to the arbitrary described device of claim 6 to 9, it is characterised in that
The sending module, is additionally operable to that result of deducting fees will be returned to purchase account.
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CN201611162223.3A CN106682901B (en) | 2016-12-15 | 2016-12-15 | Method and device for preventing malicious payment |
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CN201611162223.3A CN106682901B (en) | 2016-12-15 | 2016-12-15 | Method and device for preventing malicious payment |
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CN106682901B CN106682901B (en) | 2021-03-05 |
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