Monitoring system and monitoring method for monitoring position of payment terminal by using radio signal

Abstract

The invention relates to a monitoring system and monitoring method for monitoring the position of a payment terminal by using a radio signal. The monitoring method comprises a first positional information acquiring step in which the payment terminal performs first prescribed processing on an acquired local radio signal and then generates and transmits first positional information to a receiver mechanism or a switch processing server; a second positional information acquiring step in which the receiver mechanism or the switch processing server performs processing the same as the first prescribed processing on the locally-received radio signal and then generates second positional information; a comparing step in which the receiver mechanism or the switch processing server compares with the first positional information with the second positional information; and a determining step in which the receiver mechanism or the switch processing server determines that the position of the payment terminal is not changed in the case that the first positional information and the second positional information are consistent. The monitoring system and the monitoring method may effectively determine the movement of the payment terminal and prevent bank card loss risk caused by the movement of the payment terminal.

Description

technical field [0001] The present invention relates to the technical field of financial communication, and more particularly relates to a monitoring system and method capable of monitoring the usage location of a mobile payment terminal by radio signals. Background technique [0002] In the field of financial payment, convenient mobile POS machines are favored by more and more merchants, but a very important problem is that more and more illegal merchants apply for mobile POS machines to be used across regions to carry out illegal activities such as cashing out , this potential risk is called the risk of relocation. [0003] Moreover, in recent years, the bank card payment business has developed rapidly, and the number of bank card acceptance terminals such as POS has increased rapidly, which has caused great difficulties in the management of acquirers. In some areas, the application management of POS machines and other acceptance terminals is not strict, and criminals app...

AI Technical Summary

Problems solved by technology

Since the mobile POS machine uses the mobile network instead of the dial-up network, it cannot be used on the mobile POS machine; moreover, by comparing the long-distance area code, it can only be judged that the long-distance area code is different, and it cannot be judged whether the mobile phone is moved in the same area.

[0006] Another technology is to monitor the proportion of local cards in the transactions of POS machines. This method also cannot judge the machine migration behavior in the same area; and this technology is based on statistical behavior and requires a large amount of transaction data. Judgment, the risk cannot be prevented in time; in addition, the high proportion of outdoor cards in merchants located in tourist gathering places does not mean that there is a transfer behavior, which may easily lead to misjudgment

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