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Method for enhancing bank account payment security based on Beidou satellite navigation system

A navigation system, Beidou satellite technology, applied in the payment system, payment system structure, instruments and other directions, can solve the problem of insufficient financial theft, and achieve the effect of protecting financial security, improving payment security, and high transmission efficiency

Inactive Publication Date: 2017-10-10
张鹏宇
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Under Alipay, WeChat, JD Wallet, QQ Wallet, Baidu Wallet and other quick payment methods, incidents of financial fraud and fraud are common, which have brought considerable economic losses to users who use quick payment
At present, the security verification method of various payment platforms is only the identity verification process of entering a 6-digit password, which is obviously not enough to prevent financial theft and fraud incidents

Method used

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  • Method for enhancing bank account payment security based on Beidou satellite navigation system

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Embodiment Construction

[0024] The present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments. This embodiment is carried out on the premise of the technical solution of the present invention, and detailed implementation and specific operation process are given, but the protection scope of the present invention is not limited to the following embodiments.

[0025] The present invention uses the high-precision positioning, timing and short message communication functions of the Beidou satellite navigation system, combined with the original encryption verification method of the bank payment system, to automatically determine the location of the terminal that generates the payment and the user terminal authorized by the user before payment. When there is a certain deviation between the two positions, the payment will be suspended forcibly and the process of authorization verification of the device held by the account user will be added.

[...

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Abstract

The invention relates to a method for enhancing bank account payment security based on a Beidou satellite navigation system. The method includes the following steps: 1. a payment side generates a payment request; 2. a Beidou satellite navigation system sends a payment verification message to a bank information center; 3. the bank information center judges whether locating information of the payment side in the payment verification message in Step 2 is consistent with locating information of the user side, if yes, Step 4 is executed, and if no, the user side is inquired about whether to authorize the payment side to pay; 4. the bank information center judges whether payment expense exceeds a set limit, if no, Step 5 is executed, and if yes, the user side is inquired about whether to authorize the payment side to pay; and 5. the payment side completes payment by means of a password. Compared with the prior art, on the basis of existing payment verification, the method provided by the invention further provides spatial information verification of a transaction site, effectively protects financial security of a user during use of quick payment, and has the advantage of being capable of preventing financial behavior of unauthorized swiping and fraud of credit cards.

Description

technical field [0001] The invention relates to a safe payment method, in particular to a method for strengthening bank account payment safety based on the Beidou satellite navigation system. Background technique [0002] Bank payment generally has fixed payment terminals and mobile payment terminals. [0003] Under Alipay, WeChat, JD Wallet, QQ Wallet, Baidu Wallet and other quick payment methods, incidents of financial fraud and fraud are common, which have brought considerable economic losses to users who use quick payment. At present, the security verification method of various payment platforms is only the identity verification process of entering a 6-digit password, which is obviously not enough to prevent financial fraud and fraud. [0004] The Beidou satellite navigation system is a satellite navigation system independently constructed and operated by China focusing on the needs of national security and economic and social development. It is an important national sp...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/42G06Q20/32
CPCG06Q20/3224G06Q20/401G06Q20/4014G06Q20/40145G06Q20/405G06Q20/42
Inventor 张鹏宇虞岳晟曹哲恺李伟曾伟锋
Owner 张鹏宇
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