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Safety payment method and apparatus

A technology for secure payment and geographic location information, applied in the field of secure payment methods and devices, can solve problems such as inability to provide coverage, wide cost, etc., and achieve the effects of increasing diversity, reducing economic losses, and ensuring accuracy

Inactive Publication Date: 2016-09-07
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The present invention provides a secure payment method and device to solve the problem that the prior art cannot provide a method for reducing transaction fraud with wide coverage and low cost

Method used

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  • Safety payment method and apparatus
  • Safety payment method and apparatus
  • Safety payment method and apparatus

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0404] Optionally, the above example of the present invention provides three joint authorization methods, such as Figure 11 As shown, the first way is that the user terminal sends the user's risk strategy to the switching device, that is, the user's transaction settings, and specifies a certain transaction or a certain bank card in the account when the transaction is initiated, or the user terminal in the After receiving the authorization application, if it is determined that the transaction authorization application can be authorized, the transfer system will conduct a comprehensive assessment based on the transaction authorization information and risk assessment strategy after receiving the transaction application, so that the transaction can be authorized at the transfer device.

[0405] In the embodiment of the present invention, the cardholder obtains the transaction settings of the cardholder through the mobile terminal, and the risk system module in the switching device...

Embodiment 2

[0424] Optionally, the above example of the present invention provides three joint authorization methods, such as Figure 12 As shown, the second method is that the transfer device receives the user's risk setting information and the transfer device comprehensively determines the risk setting information for the transaction, and performs risk assessment according to the risk setting strategy to determine the risk assessment result. If the security level is higher, the transfer device will directly authorize this transaction.

[0425] In the embodiment of the present invention, the cardholder obtains the transaction settings of the cardholder through the mobile terminal, and the risk system module in the switching device conducts risk assessment on the transaction.

[0426] In the embodiment of the present invention, the cardholder, that is, the user, has four bank cards, A, B, C, and D, and the risk setting strategy set by the user includes a geographical location risk strateg...

Embodiment 3

[0443] Optionally, the above example of the present invention provides three joint authorization methods, such as Figure 13 As shown, the third method is that the transfer device receives the user's risk setting information and the transfer device comprehensively determines the risk setting information for the transaction, and performs risk assessment according to the risk setting strategy, determines the risk assessment result, and transfers The device sends the risk assessment result to the card issuer, and the card issuer conducts an authorization assessment based on the transaction authorization application and the risk assessment result, and determines whether to authorize the transaction based on the authorization assessment result.

[0444] In the embodiment of the present invention, the cardholder obtains the transaction settings of the cardholder through the mobile terminal, and the risk system module in the switching device conducts risk assessment on the transaction...

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Abstract

The invention discloses a safety payment method and apparatus. The method includes that a switching device determines the risk setting information of an account corresponding to a transaction authorization application, wherein the risk setting information of the account is generated based on the received risk setting information transmitted by a user terminal and the risk setting information pre-configured by the switching device, the switching device performs risk evaluation on the transaction authorization based on the determined risk setting information to determine the risk evaluation result, and the switching device processes the transaction authorization application based on the risk evaluation result. The safety payment method and apparatus solve the problem that a method for reducing transaction fraud is narrow in coverage and high in cost in the prior art.

Description

technical field [0001] The invention relates to the fields of information security and financial payment, in particular to a secure payment method and device. Background technique [0002] With the development of world economy and science and technology, more and more people pay fees through bank cards, credit cards, debit cards, etc., instead of the previous cash payment. And the use of bank cards, credit cards, debit cards and other methods to pay fees improves the convenience of payment. [0003] The current bank card payment scheme is mainly authorized by the card issuer, that is, the bank, and the cardholder mainly provides the payment voucher during the payment process. In this mode, ensuring the authenticity and validity of the payment voucher becomes the key to preventing payment fraud. [0004] At present, the mainstream promotion method for preventing fraud is to use an IC (Integrated Circuit Card, integrated circuit card) card. Since the IC card stores data info...

Claims

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Application Information

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IPC IPC(8): G06Q20/40
CPCG06Q20/4016
Inventor 袁晓寒闵勇肖梁
Owner CHINA UNIONPAY
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