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1. WO2020062784 - SECURE PAYMENT METHOD AND APPARATUS, AND SERVER AND STORAGE MEDIUM

Publication Number WO/2020/062784
Publication Date 02.04.2020
International Application No. PCT/CN2019/077366
International Filing Date 07.03.2019
IPC
G06Q 20/38 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
CPC
G06Q 20/3255
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
325using wireless networks
3255using an SMS for payment
G06Q 20/3823
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3823combining multiple encryption tools for a transaction
G06Q 20/4014
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4014Identity check for transaction
Applicants
  • 平安科技(深圳)有限公司 PING AN TECHNOLOGY (SHENZHEN) CO., LTD. [CN]/[CN]
Inventors
  • 甘水宝 GAN, Shuibao
Agents
  • 深圳市赛恩倍吉知识产权代理有限公司 SHENZHEN SCIENBIZIP INTELLECTUAL PROPERTY AGENCY CO., LTD.
Priority Data
201811151530.029.09.2018CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) SECURE PAYMENT METHOD AND APPARATUS, AND SERVER AND STORAGE MEDIUM
(FR) PROCÉDÉ ET APPAREIL DE PAIEMENT SÉCURISE, ET SERVEUR ET SUPPORT DE STOCKAGE
(ZH) 安全支付方法、装置、服务器及存储介质
Abstract
(EN)
Disclosed are a secure payment method, a secure payment apparatus, a server and a storage medium. The method comprises: receiving a payment request sent by a mobile terminal of a user, and generating verification information according to the payment request, wherein the verification information comprises user verification information and guardian verification information (S21); sending the verification information to a corresponding operator platform, and the operator platform sending the user verification information and the guardian verification information in the verification information to the mobile terminal corresponding to the user and a mobile terminal corresponding to a guardian, respectively (S22); receiving a verification code sent by the mobile terminal according to the verification information, and determining whether the verification code passes verification (S23); and when it is determined that the verification code passes verification, executing a payment transaction (S24). The method can effectively ensure the security of account capital of users (such as old people) with weak self-protection awareness.
(FR)
L'invention concerne un procédé de paiement sécurisé, un appareil de paiement sécurisé, un serveur, et un support de stockage. Le procédé comprend les étapes consistant à : recevoir une demande de paiement envoyée par un terminal mobile d'un utilisateur; et générer des informations de vérification selon la demande de paiement, les informations de vérification comprenant des informations de vérification d'utilisateur et des informations de vérification de représentant légal (S21); envoyer les informations de vérification à une plateforme d'opérateur correspondante, et au moyen de la plateforme d'opérateur, envoyer les informations de vérification d'utilisateur et les informations de vérification de représentant légal dans les informations de vérification au terminal mobile, respectivement (S22); recevoir un code de vérification envoyé par le terminal mobile selon les informations de vérification, et déterminer si le code de vérification a réussi la vérification (S23); et s'il est déterminé que le code de vérification a réussi la vérification, exécuter une transaction de paiement (S24). Le procédé peut assurer efficacement la sécurité d'un compte de capital d'utilisateurs (tels que des personnes âgées) ayant une faible conscience d'autoprotection.
(ZH)
一种安全支付方法、安全支付装置、服务器及存储介质,所述方法包括:接收用户移动终端发送的支付请求,并根据该支付请求生成验证信息,其中,所述验证信息包括用户验证信息和监护人验证信息(S21);发送所述验证信息至对应的运营商平台,所述运营商平台将所述验证信息中的用户验证信息和监护人验证信息分别发送至用户和监护人对应的移动终端(S22);接收移动终端根据所述验证信息发送的验证码并确认该验证码是否通过验证(S23);及当确认该验证码通过验证时,执行支付交易(S24)。该方法能够有效地保证自身防护意识弱的用户(如老年人)的账户资金安全。
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