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Card transaction security verification method and mobile terminal

A security verification and mobile terminal technology, applied in the field of mobile payment, can solve the problems of bank card fraudulent swiping, etc., and achieve the effect of ensuring convenience and overcoming the risk of fraudulent swiping

Pending Publication Date: 2021-05-21
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] After the NFC function of the mobile terminal supports chip bank cards (such as IC chip cards, referred to as IC cards) for payment, there is a risk of fraudulent swiping with bank cards that have activated the small-amount password-free function of contactless transactions

Method used

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  • Card transaction security verification method and mobile terminal
  • Card transaction security verification method and mobile terminal

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Embodiment Construction

[0067] Introduced below are some of the various embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

[0068]For purposes of brevity and illustration, the principles of the invention are described herein primarily with reference to exemplary embodiments thereof. However, those skilled in the art will readily recognize that the same principles are equally applicable to all types of card transaction security verification methods and mobile terminals, and these same principles can be implemented therein, and any such changes do not depart from true spirit and scope of this patent application.

[0069] Moreover, in the following description, reference is made to the accompanying drawings, which illustrate certain exemplary embodiments. Electrical, mechanical, logical and structural changes may be made to these embodiments without ...

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Abstract

The invention relates to a card transaction security verification method, which comprises the following steps of: a scene judging step: judging whether an NFC mode of a mobile terminal is a specified scene in an active mode or not; a power adjusting step: under the condition that a specified scene is judged in the scene judging step, adjusting the transmitting and receiving power of an NFC chip contained in the mobile terminal until the NFC identification distance does not exceed a specified threshold value; and an analysis and verification step: analyzing the collected user action based on a preset judgment condition so as to carry out card transaction security verification. According to the invention, the collection real card verification of an NFC bank card at the mobile terminal can be realized, the identification success rate can be improved, and the operation time can be shortened.

Description

technical field [0001] The invention relates to mobile payment technology, in particular to a card transaction security verification method capable of verifying card authenticity in the process of realizing IC card collection based on the NFC function of a mobile terminal and a mobile terminal. Background technique [0002] After the NFC function of the mobile terminal supports chip bank cards (such as IC chip cards, referred to as IC cards) for payment, there is a risk of fraudulent swiping with bank cards that have activated the small-amount password-free function for contactless transactions. Contents of the invention [0003] In view of the above problems, the present invention aims to propose a card transaction security verification method and a mobile terminal that are easy to operate and can prevent fraudulent swiping. [0004] The card transaction security verification method in one aspect of the present invention is characterized in that it includes: [0005] The...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/34G06Q20/40H04W4/80
CPCG06Q20/40145G06Q20/352G06Q20/325H04W4/80
Inventor 石峰姜元强
Owner CHINA UNIONPAY