WO2014146286A1 - Système et procédé de paiement sécurisé pour une carte bancaire à l'aide d'une communication en temps réel - Google Patents

Système et procédé de paiement sécurisé pour une carte bancaire à l'aide d'une communication en temps réel Download PDF

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Publication number
WO2014146286A1
WO2014146286A1 PCT/CN2013/073030 CN2013073030W WO2014146286A1 WO 2014146286 A1 WO2014146286 A1 WO 2014146286A1 CN 2013073030 W CN2013073030 W CN 2013073030W WO 2014146286 A1 WO2014146286 A1 WO 2014146286A1
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WIPO (PCT)
Prior art keywords
account
user
bank card
bank
network
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Ceased
Application number
PCT/CN2013/073030
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English (en)
Chinese (zh)
Inventor
黄凯铃
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Individual
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Individual
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Publication date
Application filed by Individual filed Critical Individual
Priority to PCT/CN2013/073030 priority Critical patent/WO2014146286A1/fr
Priority to CN201380074977.1A priority patent/CN105247549A/zh
Priority to HK16107977.4A priority patent/HK1220025A1/zh
Publication of WO2014146286A1 publication Critical patent/WO2014146286A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the present invention relates to the field of financial payment, and more particularly to a bank card security payment system and method using real-time communication.
  • the bank card Since the bank card is convenient to carry and easy to use, it brings a quick and convenient payment method to the card owner, so the use of the bank card is more and more common, and many people have more than one bank card.
  • the bank card gives the card owner a quick and convenient payment method, it also brings some security problems. Some criminals steal the bank card information of others through various means, then copy the fake card for consumer payment, or steal the card card information of the card owner.
  • the card owner In the online consumption, the card owner generally finds that his bank card account has been stolen after receiving the monthly statement, which causes the card owner to suffer losses, which is an extremely problem to be solved.
  • the bank card security payment system and method using the real-time communication of the present invention are proposed.
  • the object of the present invention is achieved by the use of such a bank card secure payment system, characterized in that the system comprises a user's bank card account and a mobile phone (2), a merchant's transaction terminal (3), and a payment network ( 4), an account security server (5), wherein the account security server (5) is connected to the payment network (4), the account security server (5) is provided with real-time communication server software, and the user's mobile phone (2) is provided Real-time communication application, mobile phone (2) through the real-time communication application via a communication network such as mobile phone network, WIFI network, etc.
  • a bank card secure payment system characterized in that the system comprises a user's bank card account and a mobile phone (2), a merchant's transaction terminal (3), and a payment network ( 4), an account security server (5), wherein the account security server (5) is connected to the payment network (4), the account security server (5) is provided with real-time communication server software, and the user's mobile phone (2) is provided Real-time communication application, mobile phone (2) through the real-
  • wireless network access account security server (5) transaction terminal (3) through wired / wireless network example
  • account security server (5) records the user's bank card account account information, the user's bank card account and the user
  • the mobile phone (2) is associated with, and, when the payment network (4) receives the transaction request from the merchant's transaction terminal (3) that belongs to the user's bank card account, the payment network (4) passes the account security server (5) Mobile phone associated with the bank card account
  • a bank card secure payment method comprises setting an account security server (5), recording account information of the user's bank card account in the account security server (5), and The bank card account is associated with the user's mobile phone (2), the account security server (5) is connected to the payment network (4), and the account security server
  • the user's mobile phone (2) has a real-time communication application, and the mobile phone (2) accesses the wireless network through a communication network such as a mobile phone network, a WIFI network, etc. through the real-time communication application.
  • Account security server (5) and, when the payment network
  • the payment network (4) passes the account security server (5) and the associated mobile phone of the bank card account (2) Perform security verification to verify the identity of the user, and secure the network after payment verification
  • the payment system and method of the invention can communicate with the user's mobile phone (2) through real-time communication mode when the user pays, and instantly verify the authenticity of the user identity to ensure the security of the user's bank card account.
  • the real-time communication between the account security server (5) and the user's mobile phone (2) is a step of verifying the identity of the user by using a communication path independent of the original bank card payment network, so even if the user's bank card account is stolen by the thief As long as the user's mobile phone (2) is in hand, the thief can't succeed, and the user's bank card account is secure.
  • FIG. 1 is a schematic explanatory view of a bank card secure payment system according to a first embodiment of the present invention
  • FIG. 2 is a schematic explanatory view of a bank card secure payment system according to a second embodiment of the present invention
  • FIG. 4 is a schematic explanatory diagram of a bank card secure payment system according to a fourth embodiment of the present invention
  • FIG. 5 is a fifth embodiment of the present invention
  • FIG. 6 is a schematic diagram showing the image of a bank card secure payment system according to a sixth embodiment of the present invention
  • FIG. 7 is a bank card according to a seventh embodiment of the present invention
  • FIG. 8 is a schematic diagram showing the image of a secure payment system for a bank card according to an eighth embodiment of the present invention.
  • FIG. In the figures, the same numerals represent the same systems, devices, and components, and the drawings are schematic for illustrating the constitution and main features of the present invention.
  • Figure 1 is a schematic illustration of the image of a bank card secure payment system in accordance with a first embodiment of the present invention.
  • the system shown in Figure 1 includes a bank card representing a user's bank card account.
  • a real-time communication application is provided, and the mobile phone (2) accesses the account security server via the communication network via a communication network such as a mobile phone network, a WIFI network, or the like.
  • the merchant's transaction terminal (3) accesses the payment network (4) through various wired/wireless networks such as mobile phone network, WIFI network, regional network, internet, etc., and the user needs to be in the account security server (5)
  • the account security server (5) records the account information of the user's bank card account, and associates the user's bank card account with the user's mobile phone (2).
  • the end (3) uses its bank card account for payment, and when the payment network (4) receives the transaction request of the merchant's transaction terminal (3) that belongs to the user's bank card account, the payment network (4) passes the account security server ( 5) The mobile phone (2) associated with the bank card account performs a security verification to verify the identity of the user. After the security verification is successful, the payment network (4) continues the subsequent steps of the transaction, otherwise the transaction is rejected.
  • the account security server (5) of the present invention is added, and when the payment is made, the step of securely verifying the identity of the user is additionally added, through the account security server (5) Secure the user's identity with the user's mobile phone (2) in real-time communication. After the security verification is successful, the payment network
  • the transaction terminal (3) with the merchant also needs to continue to perform the operations that have not been performed before. These operations are the subsequent steps described in this specification, such as verifying user account balances, account credits, etc., since these are existing.
  • the operation steps of the bank card payment which are not the features of the present invention, are not described in detail in this specification.
  • the method used by the bank card secure payment system shown in FIG. 1 includes setting an account security server (5), recording account information of the user's bank card account in the account security server (5), and
  • the bank card account is associated with the user's mobile phone (2)
  • the account security server (5) is connected to the payment network (4)
  • the account security server (5) is provided with real-time communication server software, the user's mobile phone (2) Real-time communication app, mobile phone
  • the payment network (4) accessing the account security server (5) via the communication network via a communication network such as a mobile phone network, a WIFI network, etc., and, when the payment network (4) receives the transaction terminal (3) of the merchant, When the transaction request belongs to the user's bank card account, the payment network (4) verifies the security verification of the user identity through the account security server (5) and the associated mobile phone (2) of the bank card account, after the security verification is successful. The payment network (4) will proceed with the next steps of the transaction, otherwise the transaction will be rejected.
  • a communication network such as a mobile phone network, a WIFI network, etc.
  • FIG. 2 is a schematic explanatory diagram of a bank card security payment system according to a second embodiment of the present invention
  • FIG. 3 is a schematic representation of a bank card security payment system according to a third embodiment of the present invention.
  • Figure 4 is an image of a bank card secure payment system according to a fourth embodiment of the present invention 2 to 4 show the second to fourth embodiments of the present invention, respectively, showing an example of implementing the present invention in a different manner of the payment network (4), the following differences The implementation examples are described in further detail.
  • the payment network (4) of the second embodiment shown in FIG. 2 includes a bank card network (401), an acquiring bank (402) having a bank account of the merchant, and a bank card account provided with the user.
  • the payment network (4) of the third embodiment shown in FIG. 3 includes a bank card network (401), an acquiring bank (402) having a bank account of the merchant, and a bank card account provided with the user.
  • the issuing bank (403) is connected to the account security server (5), and the transaction terminal (3) is connected via a wired/wireless network such as a mobile phone network, a WIFI network, Regional network, internet and other network access payment networks
  • the account security server (5) is connected to the issuing bank (403) by telecommunications, and the account security server (5) can be Integrated into the issuing bank (403), all transaction payments for bank card accounts belonging to the issuing bank (403) can be securely verified by the account security server (5) to protect the identity of the user, thereby securing the bank card account of the bank. Safety.
  • the payment network (4) of the fourth embodiment shown in FIG. 4 includes a bank card network (401), an acquiring bank (402) having a bank account of the merchant, and a bank card account provided with the user.
  • a payment gateway (404) is included in the payment network (4), and the payment gateway (404) provides network services to the merchant's transaction terminal (3) and the acquiring bank (402), many existing The credit card payment system uses this architecture.
  • the account security server (5) is in telecommunication connection with the payment gateway (404), and the account security server (5) can be integrated into the payment gateway (404), and all transactions processed by the payment gateway (404) are processed. The payment can be performed through the account security server (5) to perform security verification steps on the user's identity, thereby ensuring the security of the user's bank card account.
  • the bank card network (401) includes a VISA card network, a China UnionPay card network terminal, a MasterCard network terminal, an American Express card (American Express) network terminal, a Japanese JCB card network, a Diner card network, and the like.
  • the network can be applied to these different payment networks as well as the network that accepts bank card payments.
  • the transaction terminal (3) is Refers to equipment that can generate payment transactions, including POS machines used by general merchants for collections, credit card machines that can accept credit cards, credit card machines for debit card payments, card readers for contactless financial cards, etc.
  • a computer or server such as a server for a shopping website, a server for providing telephone/television shopping services, an account server for public transfer charges, a bank ATM, or an online banking service.
  • Computers that generate transactions based on user account operations, etc., for convenience of explanation, are referred to as transaction terminals in this specification.
  • the bank card (1) described in this specification includes a credit card, a debit card, a charge card, a charge card, a debit card, a withdrawal card, a withdrawal card, etc., issued by a bank or financial institution.
  • the card for payment or transaction is always referred to as a bank card (1) in this manual.
  • the mobile phone (2) described in this manual it refers to a communication tool that can communicate, including a smartphone, a tablet, a personal digital assistant (PDA), etc., which can communicate via a network.
  • PDA personal digital assistant
  • the main feature of the present invention is to securely authenticate the identity of the user through the account security server (5) and the user's mobile phone (2) at the time of payment, the account security server.
  • a simpler level of security verification can be used, such as an account security server (5) to check whether the user's mobile phone (2) has successfully accessed the account security server.
  • the security verification if the mobile phone (2) has successfully accessed the account security server (5), the security verification is successful, otherwise the security verification fails, as long as the user's mobile phone (2) is powered on, and the account security server is accessed (5) ), the user can make a small amount of payment.
  • the prompt information may be sent to the user's mobile phone as the security verification.
  • the account security server (5) transmits the prompt information about the transaction to the user's mobile phone (2), such as the prompt. If the information has been successfully transmitted to the phone, the security verification is successful, otherwise the security verification fails.
  • the security verification is successfully completed, and the user can From the prompt information, I know that my bank card account has just made a payment transaction. If the user does not make a payment and receives a prompt message indicating that someone may have stolen the user's bank card account, the user can immediately report to the bank or Alarm handling, reducing losses.
  • a higher level of security verification can be used.
  • a confirmation message for confirmation must be set up in advance for the user on the account security server (5).
  • This confirmation message can be a password or a dynamically changeable message.
  • the security verification includes, in addition to the account security server (5) transmitting the prompt information about the transaction to the user's mobile phone (2), and including the account security server (5) to check The confirmation message returned by the user through the user's mobile phone (2); if the account security server (5) verifies that the confirmation information is correct, the security verification is successful, otherwise the security verification fails.
  • the account security server (5) is also required to store the user's personal information, such as the user's name, age, address, phone number, hobby, occupation, company name and address, etc. It may include personal information of the relatives of the user, etc., may also include the user's recent transaction record, etc., and may be used as the personal information of the user.
  • the account security server (5) performs security verification, randomly select some of the personal information of the user.
  • each verification question can be combined with a correct answer and multiple similar and erroneous answers, and the user can answer the question in a multiple-choice manner, so that the user can return the answer information more quickly.
  • the different levels of security verification described above may be selected solely for use in the system and method of the present invention, or may be selected in whole or in part for the system and method of the present invention, and may be determined based on payment amount or transaction risk.
  • the level of security verification For example, a small amount of payment only needs to check the user's mobile phone (2) has access to the account security server (5); for example, when the user makes a large amount of payment in the store, the user needs to return the correct confirmation information through the mobile phone (2); For online payment, since online payment is a high-risk category, in addition to requiring the user to return the correct confirmation message via the mobile phone (2), the user is required to answer multiple verification questions through the mobile phone (2), and all the correct answers can pass the security verification.
  • the object of the present invention is well achieved regardless of the level of safety verification described above, and is within the scope of the present invention.
  • Fig. 5 is a schematic explanatory view showing the image of a bank card secure payment system according to a fifth embodiment of the present invention
  • Fig. 5 is a view showing an embodiment of the present invention applied to an ATM cash machine.
  • the transaction terminal (3) is a bank ATM machine
  • the payment network (4) is a bank having a user bank card account and its ATM network, and the user uses his bank card (1) to withdraw money at the ATM.
  • the payment network (4) immediately verifies through the account security server (5) and the associated mobile phone (2) of the bank card account. The user's identity is verified securely, and the user can successfully perform the transaction after the security verification is successful, otherwise the payment network (4) rejects the transaction.
  • Fig. 6 there is shown a schematic diagram of the image of the bank card secure payment system of the sixth embodiment of the present invention, and Fig. 6 shows an example of the application of the present invention to the online banking service.
  • the transaction terminal (3) is an online banking server, and the user accesses the online banking server through the internet (6) using an internet-connected computer (7) to perform account operations, such as transfer, Payment, purchase of stocks, etc.
  • the online banking server generates transaction information according to the user's operation, and to the payment network (4) Issue a transaction request, request payment from the user's bank card account, and the payment network (4) immediately verify the identity of the user through the account security server (5) and the mobile phone (2) associated with the bank card account, security verification After the successful payment network (4), the payment of the transaction is performed, and the online banking server can complete the operation of the account, otherwise the payment network (4) rejects the payment of the transaction, and the online banking server cannot complete the operation of the account.
  • this embodiment allows the user to grasp the security of his bank card account through the mobile phone (2), even if the hacker steals the user's bank card account information, the hacker does not have the user's mobile phone.
  • Figure 7 is a schematic illustration of the image of a bank card secure payment system in accordance with a seventh embodiment of the present invention, and Figure 7 shows an embodiment of the present invention applied to online shopping.
  • the transaction terminal (3) is a shopping website/online mall/online store/software website/music website/movie website/etc., which sells goods/software/services/videos, etc. through the network.
  • E-commerce server of the class network store the user uses the internet terminal (7) through the internet
  • the e-commerce server Logging in to the e-commerce server, ie, the transaction terminal (3) placing an order, the e-commerce server generates transaction information according to the user's order, and issues a transaction request to the payment network (4), requesting payment from the user's bank card account, and paying the network.
  • the payment network (4) Immediately verify the identity of the user through the account security server (5) and the mobile phone (2) associated with the bank card account. After the security verification is successful, the payment network (4) will pay for the order transaction, otherwise the payment will be made. The network (4) rejects the payment for the order transaction.
  • the embodiment is also applicable to an electronic merchant such as a TV shopping and a telephone shopping.
  • the payment network (4) When the user places an order for payment, the payment network (4) immediately verifies the account through the account security server (5) and the user's mobile phone (2). The security verification of the user identity, after the security verification is successful, the payment network (4) will pay for the order transaction, otherwise the payment network
  • FIG. 8 is a schematic explanatory diagram of a bank card secure payment system according to an eighth embodiment of the present invention
  • FIG. 8 is a view showing an embodiment of the present invention applied to automatic transfer payment.
  • the transaction terminal (3) is an automatic transfer accounting system
  • the automatic transfer account The system is the accounting system server of a public institution such as a power company, a gas company, a telephone company, etc.
  • These automatic transfer accounting systems usually transfer funds from the user's bank account through the bank on a regular basis. Although automatic transfer is convenient and fast, many automatic transfer bills are not fixed amount, but depending on the usage. Users usually receive the monthly statement after the automatic transfer is completed, and many users know that they will be charged more.
  • the automatic transfer accounting system that is, the transaction terminal (3) requests the bank's payment network (4) to automatically transfer money from the user's bank card account, for example, the power company automatically transfers money from the user's bank card account.
  • the payment network (4) immediately verify the identity of the user through the account security server (5) and the associated mobile phone (2) of the bank card account. After the security verification is successful, the bank is the payment network (4).
  • the automatic transfer payment is made, otherwise the payment network (4) refuses to execute the automatic transfer branch, and the user does not have to worry about being charged more, which is beneficial to the promotion of automatic transfer.
  • the bank card secure payment system and method using the real-time communication of the invention can protect the security of the user's bank card account.
  • the implementation of the present invention brings good benefits and is beneficial to both banks and users.

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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Abstract

L'invention concerne un système et un procédé de paiement sécurisé pour une carte bancaire à l'aide d'une communication en temps réel, comprenant un compte de carte bancaire et un téléphone mobile (2) d'un utilisateur, un terminal de transaction (3) d'un locataire commercial, un réseau de paiement (4), et un serveur de sécurité de compte (5). Le serveur de sécurité de compte (5) est pourvu d'un logiciel final de serveur de communication en temps réel. Le téléphone mobile (2) de l'utilisateur est pourvu d'un motif d'application de communication en temps réel. Le téléphone mobile (2) accède au serveur de sécurité de compte (5) à l'aide du motif d'application de communication en temps réel. Le compte de la carte bancaire de l'utilisateur est associé au téléphone mobile (2). Lorsque le réseau de paiement (4) reçoit une demande de transaction transmise par le terminal de transaction (3) du locataire commercial et appartenant au compte de la carte bancaire de l'utilisateur, le réseau de paiement (4) effectue, à l'aide du serveur de sécurité de compte (5) et du téléphone mobile (2) associé au compte de la carte bancaire, une vérification de sécurité pour vérifier une identité de l'utilisateur dans un mode de communication en temps réel, et après que la vérification ait réussi, il continue d'effectuer une étape ultérieure de la transaction ; sinon, il refuse la transaction.
PCT/CN2013/073030 2013-03-22 2013-03-22 Système et procédé de paiement sécurisé pour une carte bancaire à l'aide d'une communication en temps réel Ceased WO2014146286A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
PCT/CN2013/073030 WO2014146286A1 (fr) 2013-03-22 2013-03-22 Système et procédé de paiement sécurisé pour une carte bancaire à l'aide d'une communication en temps réel
CN201380074977.1A CN105247549A (zh) 2013-03-22 2013-03-22 利用实时通讯的银行卡安全支付系统和方法
HK16107977.4A HK1220025A1 (zh) 2013-03-22 2013-03-22 利用实时通讯的银行卡安全支付系统和方法

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2013/073030 WO2014146286A1 (fr) 2013-03-22 2013-03-22 Système et procédé de paiement sécurisé pour une carte bancaire à l'aide d'une communication en temps réel

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HK (1) HK1220025A1 (fr)
WO (1) WO2014146286A1 (fr)

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WO2016108783A1 (fr) 2014-12-31 2016-07-07 Turkcell Teknoloji Arastirma Ve Gelistirme A. S. Système et procédé de paiement
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Publication number Priority date Publication date Assignee Title
WO2016108783A1 (fr) 2014-12-31 2016-07-07 Turkcell Teknoloji Arastirma Ve Gelistirme A. S. Système et procédé de paiement
CN114760315A (zh) * 2022-01-28 2022-07-15 上海皓卡网络技术有限公司 一种全面的端到端的解决银行卡安全性的方法
US20250300982A1 (en) * 2024-03-19 2025-09-25 Truist Bank Accessing non-collocated data corresponding to a detected mobile apparatus

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