Electronic payment system, device and method based on position authentication

A technology of electronic payment and equipment, which is applied in the field of electronic payment system based on location authentication, can solve the problems of users' financial losses and increase the service cost of electronic payment websites, and achieve the effects of reducing manual verification costs, improving user experience, and increasing difficulty

Active Publication Date: 2009-02-25
LENOVO (BEIJING) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For this reason, in order to reduce the risk of fraud, electronic payment websites also widely use manual order verification to verify the validity of orders, which in turn greatly increases the service cost of electronic payment websites
Hackers usually obtain the core financial dat

Method used

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  • Electronic payment system, device and method based on position authentication
  • Electronic payment system, device and method based on position authentication
  • Electronic payment system, device and method based on position authentication

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0063] According to the method embodiment of the present invention, an electronic payment method based on location authentication is provided.

[0064] Such as image 3 As shown, the method includes the following processing:

[0065] Step S302, generating a key for performing encryption and decryption operations;

[0066] Step S304, the security encryption module of the client uses the key to generate encrypted position announcement information, wherein the position announcement information includes: user's transaction location information (can be position point coordinates or location identification data) and session identification (before, client's The positioning module first obtains the transaction location information);

[0067] Step S306, the client uploads the encrypted location announcement information to the server;

[0068] Step S308, the server queries the location description information related to the user's transaction records from the location database;

[0...

Embodiment 2

[0074] According to the method embodiment of the present invention, another electronic payment method based on location authentication is also provided.

[0075] Such as Figure 5 As shown, the method includes the following processing:

[0076] Step S502, generating a key for encryption and decryption operations;

[0077] Step S504, the security encryption module uses the key to generate encrypted position announcement information, wherein the position announcement information includes: the user's transaction location information and session identification (similar to method embodiment one, the positioning module of the client needs to first obtain the transaction location information before) );

[0078] Step S506, the client queries the location description information related to the user's transaction records from the location database, and uploads the location description information and encrypted location announcement information to the server;

[0079] Step S508, the s...

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PUM

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Abstract

The invention discloses an electronic payment system which is based on position authentication. The electronic payment system comprises a client, a positioning database and a server; the client comprises a positioning module used for obtaining transaction position information of a user and a safety encryption module used for generating encrypted position declaration information, wherein the position declaration information comprises the transaction position information and a conversation identifier; the positioning database is used for storing position description information which is related to a transaction record of the user; and the server is used for verifying whether the position represented by the transaction position information from the client is the credible position or not through the comparison of the transaction position information and the position description information in the positioning database. The use of the electronic payment system can further reduce the manual verification cost of the electronic payment service, simultaneously increase the difficulty of issuing a payment order at a different place by a hacker, improve the safety of the prior technical proposal and improve the user experience.

Description

technical field [0001] The present invention relates to the field of computer security communication, and in particular, relates to an electronic payment system, device, and method based on location authentication. Background technique [0002] At present, with the rapid development of e-commerce, more and more users are getting used to using the Internet for personal financial management services and online transactions. However, the further popularization of e-commerce and electronic payment is also limited due to users' concerns about security issues. In order to improve the security of electronic payment terminals, the industry has proposed various solutions. For example, the PCIDSS technical standard promoted by Visa and Mastercard uses passwords for user identity authentication when users pay. [0003] For users, most of the electronic payment behaviors take place in places where users often surf the Internet, such places are mainly the user's residence, school, and ...

Claims

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Application Information

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IPC IPC(8): G06Q20/00
Inventor 于辰涛
Owner LENOVO (BEIJING) CO LTD
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