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Bank card payment method, device and equipment and computer storage medium

A bank card and payment password technology, applied in the field of devices, equipment and computer storage media, and bank card payment methods, can solve high-risk problems

Pending Publication Date: 2019-10-25
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide a bank card payment method, device, equipment and computer storage medium, aiming to solve the problem of excessive risk in the current bank card payment process

Method used

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  • Bank card payment method, device and equipment and computer storage medium
  • Bank card payment method, device and equipment and computer storage medium
  • Bank card payment method, device and equipment and computer storage medium

Examples

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Embodiment Construction

[0050]It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0051] like figure 1 as shown, figure 1 It is the server of the hardware operating environment involved in the solution of the embodiment of the present invention (also known as bank card payment device, wherein the bank card payment device can be composed of a separate bank card payment device, or can be composed of other devices and bank card payment devices. Formation) Schematic diagram of the structure.

[0052] The server in this embodiment of the present invention refers to a computer that manages resources and provides services for users, and is generally divided into file servers, database servers, and application program servers. A computer or computer system running the above software is also called a server. Compared with ordinary PC (personal computer) personal computers, servers have higher requirements...

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PUM

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Abstract

The invention relates to the field of electronic finance, and discloses a bank card payment method, which comprises the steps of obtaining an account identifier and a payment password corresponding toa payment verification request when the payment verification request sent by a collection terminal is received, and performing primary verification according to the account identifier and the paymentpassword; obtaining historical payment information corresponding to the account identifier when the first verification is passed, and judging whether the payment verification request meets a secondary verification condition according to the historical payment information; when the secondary verification condition is met, sending verification prompt information to a user terminal corresponding tothe account identifier; and when verification information fed back by the user terminal is received, performing secondary verification according to the verification information, and executing paymentoperation when the secondary verification is passed. The invention further discloses a bank card payment device and equipment and a computer storage medium. According to the method, the payment verification request of the bank card is subjected to secondary verification, and the payment risk of the bank card is reduced.

Description

technical field [0001] The invention relates to the field of electronic finance, in particular to a bank card payment method, device, equipment and computer storage medium. Background technique [0002] With the popularization of bank cards, bank card payment methods are also increasing. Using bank card payment is not only easy to operate, but also avoids the trouble of making change. [0003] While bank cards bring convenience to cardholders, they also come with many risks, for example. At present, typical bank card fraud cases usually rely on copying bank card magnetic stripe information and stealing passwords to achieve the goal of stealing-copying-stealing and cashing out. The typical means of copying the magnetic stripe information include: the bank card is lost or stolen, and then the magnetic stripe information is copied by criminals, or a card stealer is installed on the card slot of the automatic teller machine. Criminal suspects use this information to clone bank...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/409G06Q20/3821
Inventor 刘金满
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN