61results about How to "Guarantee the safety of funds" patented technology

The invention discloses a method for realizing the purposes of generating and paying a bill on site, which relates to wireless communication remote payment technology. The method comprises: a consumer transacts a mobile phone payment service at an appointed business hall; a bank card of the consumer is bound with a financial smart card; client software for reading and writing the financial smart card is installed on the mobile phone; a merchant sends the payment information of commodities or services to a mobile phone payment platform through an on-site bill terminal, the mobile phone payment platform generates a bill, and the consumer acquires the bill from the merchant; and the consumer selects the bank card and inputs passwords to use the mobile phone for paying. By adopting the method, the consumer not only can conveniently and quickly implement electronic payment without amount limitation but also can ensure that bank card information and passwords are not submitted to the POS machine of the merchant, thereby furthest ensuring the safety of the funds of the consumer.

The invention discloses a safety protection system for webpage access through a browser. The system comprises a user side, the browser, security plug-ins of the browser, a server side, a verification and registration module and a verification table. The invention further provides a safety protection method for webpage access through the browser. The method includes the steps that the security plug-ins are initialized and installed; the security plug-ins and important web pages are registered, and registration information is stored in the verification table of the server side; the browser starts the security plug-ins, and whether the kernel of the browser and the security plug-ins are corrected or not are verified; abstract information of DOM trees of the important web pages are calculated, and webpage verification requests are sent to the server side; the server side receives the webpage verification requests sent by the security plug-ins and extracts registered corresponding webpage abstract information, the registered corresponding webpage abstract information is verified, and verification feedback information is sent back; the browser is driven to continue executing and displaying web pages or to stop having access to web page operations according to the verification feedback information. Accordingly, safety protection is provided for accessing the important web pages, and data and fund security of users in network transaction service is guaranteed.

The invention provides a fingerprint module with an encryption unit, which is characterized in that the fingerprint module is connected with a payment terminal or arranged on the payment terminal by a communication line; the fingerprint module is provided with a fingerprint acquisition unit which is at least used for acquiring fingerprint image data of a user; the fingerprint module is provided with a fingerprint processing unit which is at least used for extracting fingerprint characteristic data from the fingerprint image data of the user; and the fingerprint module is provided with the encryption unit which is at least used for encrypting the fingerprint characteristic data of the user and / or adding an MAC (message authentication code) to the fingerprint characteristic data. The fingerprint characteristic data of the user are sent out after secret keys and dynamic random numbers are used to encrypt the fingerprint characteristic data of the user and / or add the MAC to the fingerprint characteristic data of the user in the fingerprint module; and a fingerprint data validation party validates the validity of the MAC firstly and / or carries out fingerprint matching on the decrypted MAC, thus avoiding the possibility that a lawbreaker counterfeits a transaction request after recording fingerprint data of the user, improving the system safety, ensuring the privacy of the fingerprint data of the user and the capital safety, and being beneficial to promoting applications of a fingerprint identification technology in the payment field.

The invention provides an online payment method and system. The online payment method comprises the steps that an electronic account which is bound to a band account of a buyer is established for the buyer, and an electronic account which is bound to a band account of a seller is established for the seller; a payment request sent by the buyer is received, and fund freezing treatment is conducted on the fund needing to be paid in the electronic account of the buyer according to the payment request; a request, sent by the buyer, for confirming payment is received, fund unfreezing treatment is conducted on the fund needing to be paid in the electronic account of the buyer according to the request for confirming payment, and the unfrozen fund is transferred to the electronic account of the seller from the electronic account of the buyer. By the adoption of the online payment method and system, the prior art that fund in transit is highly centralized to a third party is improved to the payment technology that the fund in transit is directly related to the user, so that the risk of the fund in transit is reduced, and the fund safety is guaranteed. In addition, through fund freezing and interest accrual, a payment guarantee is provided for the seller and interest income is provided for the buyer.

The invention discloses a method for paying for bus fee based on a non-contact type handheld payment terminal. The method comprises the following steps that: A, the non-contact type handheld payment terminal applies for opening non-contact payment service to a third party payment platform, and acquires an embedded electronic purse; B, the non-contact type handheld payment terminal applies for opening the non-contact payment service to a bus system, and acquires a special bus account related to the electronic purse; C, fee is paid by a card at a bus card swiping terminal via the special bus account, or the special bus account is recharged by using the electronic purse; and D, according to the payment and / or recharged amount of the special bus account, the payment is settled on the balance of the special bus account and the electronic purse. The invention correspondingly provides a system for paying for the bus fee based on the non-contact type handheld payment terminal. Therefore, the method and the system save cost for machines and tools of the public transportation system, and users can pay by swiping the bus card conveniently and can recharge conveniently and safely.

The invention discloses a method of checking identity certificate verification, which is used to realize check via the internet for verification of authenticity of identity certificate of individual customers through an identity certificate recognizing terminal provided with a networking check managing software and a special network. The steps of verifying check via network are: starting; opening the recognizing terminal and starting the managing software; recognizing whether the terminal has detected an identity certificate, and if a certificate has been detected, the recognizing terminal reads the identity certificate information and display the photo and related information on the recognizing terminal screen; the recognizing terminal transfers the request to the population information database of the Ministry of Public Security; the database checks the verification and feeding back the check results to the recognizing terminal; the recognizing terminal screen simultaneously displays photo and related information of the identity certificate requested for verification, and the check result, photo and related information are fed back from the population information database of the Ministry of Public Security to the recognizing terminal; and finishing the check and waiting for next verification check. The invention can be used for quickly and accurately checking authenticity of the identity certificate of an individual customer, i. e. the second generation of individual identity certificate.

An embodiment of the invention discloses an identity authentication method based on NFC payment. The method comprises steps that a first secret key is generated and cached, an identity authentication request is sent to a payment gateway, and the first secret key is contained in the identity authentication request; a second secret key returned by the payment gateway is received, and a first Hash secret key is generated according to a preset Hash algorithm by taking the first secret key and the second secret key as input; the first Hash secret key is sent to the payment gateway, the first Hash secret key is verified by the payment gateway, whether identity authentication passes is determined according to a verification result of the first Hash secret key; an identity authentication response returned by the payment gateway is received. The invention further discloses a use identity authentication device based on NFC payment. According to the method, payment safety is improved when a user utilizes the NFC function of a mobile terminal.

The invention provides a network payment system based on a two-dimensional code, and the system comprises the two-dimensional code, code binding equipment, a management background, a consumer terminal, and a merchant terminal. The code binding equipment achieves the binding of the two-dimensional code and the merchant information, and the code binding equipment is connected with the management background. The management background is configured with a merchant ID for a merchant. The consumer terminal scans the bound two-dimensional code to carry out payment, and the merchant terminal displays the amount of successful transaction. The system does not need to change the two-dimensional code and does not damage the two-dimensional code when changing the money-receiving account information, and protects the safety of the fund of the merchant.

The invention discloses a bank payment confirmation system, comprising a client cellphone, a short message communication system, a bank information transmitting system, a bank business system, a bankbusiness processing terminal and a bank short message confirmation system. Information interaction of short message password confirmation is performed between the client cellphone and the bank short message confirmation system by the short message communication system and the bank information transmitting system; the bank business system controls the bank business processing terminal to perform corresponding operation according to the information interaction result of the client cellphone and the bank short message confirmation system. According to the above system, the invention also discloses a confirmation method for the bank payment confirmation system, which realizes multiple safe control on the bank payment by a secondary password and a short message reply to confirm the password, thus greatly improving safe performance of the bank payment system and avoiding possible economic losses caused by losing of bank cards or credit cards.

The invention relates to a payment processing server, a payment system and a payment method. The payment system comprises at least one payment processing server and multiple user terminals. The user terminals comprise a first client and a second client. A payment request including certificate authority information, access authority information and transaction demand information for the first client are sent to the payment processing server. In the condition in which the first client is legal, the transaction demand information is received from the payment processing server, certificate authority information, access authority information and transaction state information for the second client are sent to the payment processing server, and in the condition in which the second client is confirmed to be legal, the payment processing server controls payment between the first client and the second client according to the transaction state information. Multiple means are adopted for verifying the clients, clients joining the system are ensured to be authorized clients, and thus, account safety of the clients can be ensured during transaction and payment processes.

The invention relates to a system and a method for air depositing and withdrawing in the air of a bank. The system for air depositing and withdrawing of the bank comprises a mobile terminal, a communication operator website operating terminal, a business access platform and a banking business platform, and further comprises a center business platform. The center business platform comprises a logical processing service module, a short message service module, a data processing service module, a statistics service module, a log service module and an external interface service module. The logical processing service module comprises a website registering module, a card holder registering module, a withdrawing transaction processing module, a deposit transaction module, a website logout module and a card holder logout module. The system and the method for air depositing and withdrawing of the bank logically connects the banking business platform with the communication operator website operating terminal, logically connects the business access platform with the banking business platform, carries out physical isolation on the banking business platform and the business access platform, solves the connecting and communication problem between heterogeneous systems, solves the safety problem after different business systems are connected, and solves the problems such as data security, account security and payment security of an integrated business system formed by different business systems.

The invention relates to a real estate financing method and a corresponding network system. By applying the technology of the invention, a new financing channel is opened up for home buyers, and fund security of investors is ensured by virtue of guarantee and pledge such as housing guarantee mortgage, funds not lent by banks and third-party supervision for funds, and ways such as pledging a part of interest in advance by financiers. Furthermore, an investment share transfer mode is set to provide a reasonable withdrawal mechanism for the investors. As the trend of the fund flow process is supervised by the third-party, the fund security is ensured.

A processing method of payment information includes prompting user to input verification information by firm end server and sending said information and user access telephone number to user deposit bank server, prompting user to input payment confirmation information when information of verification being passed is received by firm end server, switching user access telephone over to bank server to prompt user to input payment confirmation information after payment information is confirmed by user, transferring order amount of money from user account to account of firm by bank after confirmation information from user is received by bank.

The invention relates to the field of logistic posting and delivering, and discloses a terminal for processing a quick dispatch payable at destination, which comprises a terminal dispatch delivering cabinet (1) and a terminal processor (3), wherein the terminal dispatch delivering cabinet (1) comprises at least one storage box (11); a motor (101) connected with the terminal processor (3) is fixed on the outer side wall of the rear end surface of the storage box (11); a push plate (103) connected onto the inner side wall of the rear end surface of the storage box (11) via elastic connection pieces (102); and two ends of the push plate (103) are connected with the motor shaft of the motor (101) via pull ropes. Thus, in the case of fetching a dispatch, the storage door is opened automatically, and the quick dispatch is pushed out automatically; after dispatch fetching, the push plate is reset automatically, the storage door is automatically closed, and the dispatch fetching person can fetch the dispatch more conveniently; and the terminal has the advantages of reducing delivering person, reducing labor cost, saving logistic fee, and improving the dispatch fetching safety factor and the like.

The invention relates to a security smart card using an external terminal for verification. The security smart card comprises a security chip module, a card verification sub module, a Token sub module, an I / O communication sub module, a power supply sub module, and a timing sub module. The security chip module is used for storing card information of a smart card. The card verification sub module is used for triggering a verification function of the smart card and sending a working request of turning on or off to the security chip module according to a verification result; and the timing sub module is not triggered until a working request of turning on is sent to the security chip module. The Token sub module is used for generating a verification code for verification under the circumstance that the card needs verification. The I / O communication sub module is used for carrying out data transmission with an external terminal. The power supply sub module is used for providing a power supply for the security smart card. And the timing sub module is used for carrying out timing on available time of the smart card based on triggering of the card verification sub module. According to the invention, security of the smart card can be further improved.

The invention discloses a safety protection method and system based on a mobile terminal.The safety protection method includes the steps that S10, first physiological data of a present user is obtained; S20, the obtained first physiological data is compared with a first pre-stored physiological data template to obtain the comparative result, and if the result is coincident, the step S30 is carried out; S30, a screen is unlocked; S40, whether the present user conducts privacy operation or not is monitored, the step S50 is executed if the present user conducts privacy operation, and if the present user does not conduct privacy operation, the step S70 is executed; S50, second physiological data of the present user is obtained; S60, the obtained second physiological data is compared with a second pre-stored physiological data template to obtain the comparative result, and if the result is coincident, the step S70 is carried out; S70, operation of the present user is executed.The capital security and the privacy security of the user are guaranteed through the uniqueness characteristic of the physiological data.

The invention discloses a face payment system based on mobile phone short message authentication, relates to the technical field of face payment, and aims to solve the problem that the account security of a user is threatened due to the fact that a face payment system on the market focuses on improvement of the success rate of face recognition and ignores the fund security existing in network payment. A face payment system and a mobile phone terminal are included, and the face payment system and the mobile phone terminal face payment system comprise an account management system, a payment password system, a payment safety monitoring system and a deblocking system; the account management system is used for carrying out secret storage on registration, login and personal information of an account; whether the payment password system is operated by the user or not is determined in a short message, fingerprint and face verification mode; the payment security monitoring system audits the payment amount, the payment account and the payment times, and blocks the corresponding account when finding that the payment behavior is abnormal; and the deblocking system audits the identity of the user so as to achieve deblocking.

The invention relates to the field of logistics picking and dispatching, and discloses a freight collect payment object express delivery processing terminal as well as a processing method thereof. The freight collect payment object express delivery processing terminal comprises a terminal object dispatching cabinet (1), a terminal host machine (2) and a terminal processor (3); the terminal object dispatching cabinet (1) comprises an express delivery storage grid (11) and a door lock control unit (12); the terminal host machine (2) comprises an input unit (22), an information reading unit (23), an information collecting unit (24) and a payment unit (26); the terminal processor (3) comprises a communication unit (31) and a control processing unit (32); the door lock control unit (12), a display unit (21), the input unit (22), the information reading unit (23), the information collecting unit (24) and the communication unit (31) are respectively connected with the control processing unit (32). The freight collect payment object express delivery processing terminal as well as the processing method thereof, which are provided by the invention, are high in object delivery efficiency, break through the limit that traditional package dispatching requires dispatchers to dispatch face to face, and the dispatching efficiency is high.

The invention discloses a house leasing method and system based on a block chain, and a medium, and the method comprises the steps: signing a leasing contract through a digital currency wallet APP ofa lessee, and then issuing the signed leasing contract to the block chain; signing a lease confirmation evidence storage contract corresponding to the lease contract through the digital currency wallet APP of a lessee, and then issuing the signed lease evidence storage contract to the blockchain to complete confirmation of the lease contract; acquiring the lease contract and the lease confirmationcertificate storage contract from the block chain through a bank system, then taking the digital currency corresponding to the rent out from the digital currency wallet of the lessee according to thelease contract, and setting the forbidden use time of the digital currency according to the lease period; and then transferring the digital currency into a digital currency wallet of a lessee. Therefore, the lessor can be prohibited from using the rent of the lessee within a certain period of time, so that the fund safety of the lessee is guaranteed.

The invention provides a method for running a payment application program, a running device and a terminal device. The method comprises the following steps: obtaining a start password of a payment application program input by a user; determining an operation mode after the payment application program is started according to the start password, wherein different operation modes correspond to different asset amounts; the payment class application program is run according to the running mode. The present application can protect the user's fund security to a certain extent.

The invention discloses an intelligent electric power self-service payment terminal system, and relates to the technical field of intelligent interaction self-service channel construction projects; the intelligent electric power self-service payment terminal system relies on Internet, a server and an intelligent terminal, a user informs the server through the intelligent terminal with his or her identity to pay for the electric power in a self-service mode; by intelligent identification, monitoring and other technologies, the system operation is achieved, and the use is safe.

The invention discloses a system, a device and a method for monitoring risks in a bank login process, which realize real-time risk monitoring of the bank login process of a client by applying wireless communication technology to the conventional bank login process. Based on a medium or password identification mode adopted by the conventional bank system login process, the wireless communication technology is adopted to notify the client of being in a bank login process state; meanwhile, the client can feed back instructions by the system, device and method of the invention to control the current bank login state, so that the security of the bank login process is improved and risks of stealing the medium or password and making illegal transactions by other people are avoided.

The embodiment of the invention provides an exception identification method for self-service transaction equipment and the self-service transaction equipment, and the method comprises the steps: carrying out the real-time face detection of face image information collected by the self-service transaction equipment according to a preset face detection model, and obtaining the number of faces; if theface number is greater than a preset face number threshold, sending a transaction exception instruction to a card insertion protection cover arranged on the self-service transaction device and executing a first alarm operation; performing occlusion type recognition on the face image information according to a preset face occlusion type recognition model, and determining a corresponding face occlusion type; if the face shielding type conforms to a preset abnormal shielding condition, sending a transaction exception instruction to the plug-in card protection cover and executing a second alarm operation. According to the invention, the use safety of the self-service equipment can be improved, and the fund safety of a legal card holder is guaranteed.

The invention discloses a red envelope sending method, which is applied to wearable equipment. The red envelope sending method comprises the following steps: when receiving a red envelope sending request, collecting the voice information of the current user corresponding to the wearable equipment; A target receive user is obtain according to that voice information, and the current user is first authenticated accord to the voice information, and a first authentication result is obtained; When the first authentication result is passed, the voice information is sent to the designated mobile terminal so that the designated mobile terminal performs the second authentication on the current user according to the voice information and returns the second authentication result. Receiving a second verification result, When the second verification result is confirmed to be passed, the red packet is sent to the target receiving user, so that the target receiving user can be quickly found through the collection and analysis of the voice information, the sending efficiency of the red packet is improved, and the identity of the current user sent by the red packet is verified through the analysis of the voice information, so as to ensure the fund security of the user.

The invention relates to a rebalance strategy execution method for off-chain payment in a block chain, which improves the final effect of a rebalance strategy and can find out as many effective pathsas possible under the condition that the time complexity is slightly improved. On the basis of ensuring that the strategy is more fair and reasonable in the execution process, non-standard behaviors of some malicious nodes in the rebalance strategy are inhibited, and the benefits of honest nodes in the rebalance process are also maintained; and meanwhile, the fund offset problem in the blockchainpayment channel is relieved, and the availability of the payment channel is improved.

The invention provides a method for safely inputting passwords and a POS machine. The method comprises the steps that two or more infrared distance sensors are arranged on a password keyboard area of the POS machine; a sensing distance is preset; the POS machine is used for reading information of a magnetic card; the infrared distance sensors arranged on the password keyboard of the POS machine is triggered; if the infrared distance sensors receive sensing signals within the preset sensing distance, sensing information is sent to a control unit of the POS machine; the control unit of the POS machine judges whether the sensing information of all the infrared distance sensors is received or not, if yes, the POS machine switches to a password input interface, and if not, the POS machine switches to a prompt state. Accordingly, on one hand, it is guaranteed that a user shields the password keyboard in place before entering the password input interface, on the other hand, in the password data receiving process, shielding sensing and in-time prompting can also be conducted, it is guaranteed that the user inputs the passwords under the condition that the password keyboard is completely shielded, fund security of the user is effectively guaranteed, and the card use safety of the user is improved.

The invention provides an intelligent recognition system probe installation structure of an ATM, and relates to the technical field of ATMs. The intelligent recognition system probe installation structure of the ATM comprises the ATM. An operating display screen is arranged on the upper portion of the ATM, and the lower portion of the operating display screen is provided with a bill printing outlet, a card reading opening and a keyboard. A note outlet is formed in the lower portion of the keyboard, a false notification pasting prevention probe is arranged below the bill printing outlet, another false notification pasting prevention probe is arranged on one side of the operating display screen, a false-keyboard-prevention camera-shooting-prevention probe is arranged in the keyboard, a false card reader prevention probe is arranged below the card reading opening, and an anti-blocking probe is arranged below the bill outlet. The intelligent recognition system probe installation structure of the ATM is simple in structure, convenient and reliable to install, attractive in appearance, capable of effectively guaranteeing information and fund security of cardholders, high in scientific and technological content, and accurate in information recognition, and criminals do not easily perceive the intelligent recognition system probe installation structure of the ATM.

The invention relates to an automatic teller machine (ATM) wireless intelligent antitheft keyboard cover, which relates to the technical field of an ATM. The ATM wireless intelligent antitheft keyboard cover is characterized by comprising a keyboard cover which is installed on an ATM keyboard and a wireless alarm signal receiving module which is wirelessly connected with the keyboard cover, wherein a special alkaline battery pack, a microcomputer control board, a wireless acoustic oscillation transmitting circuit and an anti-disassembling switch are arranged inside the keyboard cover, the inner wall of the keyboard cover is provided with ten probe holes and one anti-disassembling switch, an infrared scanning-type probe and an infrared diffusion-reflection probe are installed inside the probe holes, the microcomputer control board collects alarm data through the infrared scanning-type probe and the infrared diffusion-reflection probe as well as the anti-disassembling switch, the alarm information is transmitted to the wireless acoustic oscillation transmitting circuit through a wireless way after being judged and confirmed, the wireless acoustic oscillation transmitting circuit transmits the alarm information to the wireless receiving module, and simultaneously the wireless receiving module transmits the information to a monitoring center through a reference standard (RS) 485 / transmission control protocol internet protocol (TCP IP). The ATM wireless intelligent antitheft keyboard cover has the advantages of high technology and accurate identification information.

The invention provides a settlement method and system based on an accounting system, a storage medium and a terminal. The method comprises the following steps: transferring a transaction amount to a to-be-settled account of a merchant according to a transaction tool selected by a user, obtaining transaction detail data, and synchronizing the transaction detail data to the settlement system; comparing the daily settlement data of the settlement system with the daily settlement data of the accounting system, and outputting reminding information when the daily settlement data is inconsistent withthe daily settlement data; and during settlement and payment, deduction is carried out from the to-be-settled account of the merchant, and payment is carried out to the merchant after deduction succeeds. According to the settlement method and system based on the accounting system, the storage medium and the terminal, the compound accounting system is introduced, the fund risk is reduced through double checking of accounting and flow, and the user experience is greatly improved.

The invention provides a service processing method and system of a financial terminal and the financial terminal. The service processing method comprises the following steps of judging whether the current service is a card service or not; if the service is a card service, detecting whether a card exists in a card reader of the financial terminal or not; and if the card reader of the financial terminal has no card, terminating the service. The invention provides the service processing method of the financial terminal. According to the method and the device, whether the card exists in the card reader of the financial terminal or not is detected under the condition that the current service is the card existence service, and the current service is terminated when no card exists in the card reader of the financial terminal, so that the phenomenon that the financial terminal continuously runs the account service of the bank card after the bank card abnormally exits and is taken away by a user is avoided, and the fund safety of the user is ensured.