WO2014146286A1

WO2014146286A1 - Secure payment system and method for bank card by using real-time communication

Info

Publication number: WO2014146286A1
Application number: PCT/CN2013/073030
Authority: WO
Inventors: 黄凯铃
Original assignee: Wong Hoiling
Priority date: 2013-03-22
Filing date: 2013-03-22
Publication date: 2014-09-25
Also published as: HK1220025A1; CN105247549A

Abstract

A secure payment system and method for a bank card by using real-time communication, comprising a bank card account and a mobile phone (2) of a user, a transaction terminal (3) of a commercial tenant, a payment network (4), and an account security server (5). The account security server (5) is provided with real-time communication server end software. The mobile phone (2) of the user is provided with a real-time communication application pattern. The mobile phone (2) accesses the account security server (5) by using the real-time communication application pattern. The bank card account of the user is associated with the mobile phone (2). When the payment network (4) receives a transaction request transferred by the transaction terminal (3) of the commercial tenant and belonging to the bank card account of the user, the payment network (4) performs, by using the account security server (5) and the mobile phone (2) associated with the bank card account, security verification for verifying an identity of the user in a real-time communication manner, and after the verification succeeds, continues to perform a subsequent step of the transaction; otherwise, refuses the transaction.

Description

Bank card secure payment system and method using real-time communication

[Technical Field]

The present invention relates to the field of financial payment, and more particularly to a bank card security payment system and method using real-time communication.

【Background technique】

Since the bank card is convenient to carry and easy to use, it brings a quick and convenient payment method to the card owner, so the use of the bank card is more and more common, and many people have more than one bank card. Although the bank card gives the card owner a quick and convenient payment method, it also brings some security problems. Some criminals steal the bank card information of others through various means, then copy the fake card for consumer payment, or steal the card card information of the card owner. In the online consumption, the card owner generally finds that his bank card account has been stolen after receiving the monthly statement, which causes the card owner to suffer losses, which is an extremely problem to be solved. In order to protect the security of the bank card account and prevent the card card account of the card owner from being stolen, the bank card security payment system and method using the real-time communication of the present invention are proposed.

[Summary of the Invention]

It is an object of the present invention to provide a bank card secure payment system and method utilizing real time communication to achieve multiple applications in secure payment.

The object of the present invention is achieved by the use of such a bank card secure payment system, characterized in that the system comprises a user's bank card account and a mobile phone (2), a merchant's transaction terminal (3), and a payment network ( 4), an account security server (5), wherein the account security server (5) is connected to the payment network (4), the account security server (5) is provided with real-time communication server software, and the user's mobile phone (2) is provided Real-time communication application, mobile phone (2) through the real-time communication application via a communication network such as mobile phone network, WIFI network, etc. wireless network access account security server (5), transaction terminal (3) through wired / wireless network example Such as mobile phone network, WIFI network, regional network, Internet and other types of network access payment network (4), account security server (5) records the user's bank card account account information, the user's bank card account and the user The mobile phone (2) is associated with, and, when the payment network (4) receives the transaction request from the merchant's transaction terminal (3) that belongs to the user's bank card account, the payment network (4) passes the account security server (5) Mobile phone associated with the bank card account

(2) Perform a security verification to verify the identity of the user. After the security verification is successful, the payment network (4) will continue the subsequent steps of the transaction, otherwise the transaction will be rejected.

And, a bank card secure payment method is also adopted, characterized in that the method comprises setting an account security server (5), recording account information of the user's bank card account in the account security server (5), and The bank card account is associated with the user's mobile phone (2), the account security server (5) is connected to the payment network (4), and the account security server

(5) With real-time communication server software, the user's mobile phone (2) has a real-time communication application, and the mobile phone (2) accesses the wireless network through a communication network such as a mobile phone network, a WIFI network, etc. through the real-time communication application. Account security server (5), and, when the payment network

(4) When the transaction terminal (3) of the receiving merchant receives the transaction request belonging to the user's bank card account, the payment network (4) passes the account security server (5) and the associated mobile phone of the bank card account (2) Perform security verification to verify the identity of the user, and secure the network after payment verification

(4) Continue the subsequent steps of the transaction, otherwise reject the transaction.

This achieves the object of the present invention well.

The payment system and method of the invention can communicate with the user's mobile phone (2) through real-time communication mode when the user pays, and instantly verify the authenticity of the user identity to ensure the security of the user's bank card account. In addition, the real-time communication between the account security server (5) and the user's mobile phone (2) is a step of verifying the identity of the user by using a communication path independent of the original bank card payment network, so even if the user's bank card account is stolen by the thief As long as the user's mobile phone (2) is in hand, the thief can't succeed, and the user's bank card account is secure. [Description of the Drawings]

1 is a schematic explanatory view of a bank card secure payment system according to a first embodiment of the present invention; FIG. 2 is a schematic explanatory view of a bank card secure payment system according to a second embodiment of the present invention; FIG. 4 is a schematic explanatory diagram of a bank card secure payment system according to a fourth embodiment of the present invention; FIG. 5 is a fifth embodiment of the present invention; FIG. 6 is a schematic diagram showing the image of a bank card secure payment system according to a sixth embodiment of the present invention; FIG. 7 is a bank card according to a seventh embodiment of the present invention; FIG. 8 is a schematic diagram showing the image of a secure payment system for a bank card according to an eighth embodiment of the present invention. FIG. In the figures, the same numerals represent the same systems, devices, and components, and the drawings are schematic for illustrating the constitution and main features of the present invention.

【detailed description】

The method of the present invention will be further described in detail below with reference to the accompanying drawings.

Referring to Figure 1, Figure 1 is a schematic illustration of the image of a bank card secure payment system in accordance with a first embodiment of the present invention. The system shown in Figure 1 includes a bank card representing a user's bank card account.

(1) with the user's mobile phone (2), the merchant's transaction terminal (3), the payment network ( ⁴ ), the account security server (5), wherein the account security server (5) is connected to the payment network (4), Account Security Server (5) with real-time communication server software, user's mobile phone

(2) A real-time communication application is provided, and the mobile phone (2) accesses the account security server via the communication network via a communication network such as a mobile phone network, a WIFI network, or the like.

(5), the merchant's transaction terminal (3) accesses the payment network (4) through various wired/wireless networks such as mobile phone network, WIFI network, regional network, internet, etc., and the user needs to be in the account security server (5) Registering the account information and mobile phone (2) data of his bank card account, the account security server (5) records the account information of the user's bank card account, and associates the user's bank card account with the user's mobile phone (2). And, the user’s transaction at the merchant’s end The end (3) uses its bank card account for payment, and when the payment network (4) receives the transaction request of the merchant's transaction terminal (3) that belongs to the user's bank card account, the payment network (4) passes the account security server ( 5) The mobile phone (2) associated with the bank card account performs a security verification to verify the identity of the user. After the security verification is successful, the payment network (4) continues the subsequent steps of the transaction, otherwise the transaction is rejected. In the present invention, in the original general bank card payment system, the account security server (5) of the present invention is added, and when the payment is made, the step of securely verifying the identity of the user is additionally added, through the account security server (5) Secure the user's identity with the user's mobile phone (2) in real-time communication. After the security verification is successful, the payment network

(4) The transaction terminal (3) with the merchant also needs to continue to perform the operations that have not been performed before. These operations are the subsequent steps described in this specification, such as verifying user account balances, account credits, etc., since these are existing The operation steps of the bank card payment, which are not the features of the present invention, are not described in detail in this specification.

Continuing to refer to FIG. 1, the method used by the bank card secure payment system shown in FIG. 1 includes setting an account security server (5), recording account information of the user's bank card account in the account security server (5), and The bank card account is associated with the user's mobile phone (2), the account security server (5) is connected to the payment network (4), and the account security server (5) is provided with real-time communication server software, the user's mobile phone (2) Real-time communication app, mobile phone

(2) accessing the account security server (5) via the communication network via a communication network such as a mobile phone network, a WIFI network, etc., and, when the payment network (4) receives the transaction terminal (3) of the merchant, When the transaction request belongs to the user's bank card account, the payment network (4) verifies the security verification of the user identity through the account security server (5) and the associated mobile phone (2) of the bank card account, after the security verification is successful. The payment network (4) will proceed with the next steps of the transaction, otherwise the transaction will be rejected.

2 to FIG. 4, FIG. 2 is a schematic explanatory diagram of a bank card security payment system according to a second embodiment of the present invention, and FIG. 3 is a schematic representation of a bank card security payment system according to a third embodiment of the present invention. Figure 4 is an image of a bank card secure payment system according to a fourth embodiment of the present invention 2 to 4 show the second to fourth embodiments of the present invention, respectively, showing an example of implementing the present invention in a different manner of the payment network (4), the following differences The implementation examples are described in further detail.

With continued reference to FIG. 2, the payment network (4) of the second embodiment shown in FIG. 2 includes a bank card network (401), an acquiring bank (402) having a bank account of the merchant, and a bank card account provided with the user. Card issuing bank (403), wherein the bank card network (401) and the acquiring bank respectively

(402) and the issuing bank (403) are connected by telecommunications, and with the account security server

(5) Phase telecommunications connection, transaction terminal (3) through the wired/wireless network such as mobile phone network, WIFI network, regional network, Internet, etc., various types of network access payment network (4), the acquiring bank (402), The bank card network (401), when processing a transaction request belonging to the user's bank card account, performs security verification of the identity of the user through the account security server (5) and the mobile phone (2) associated with the bank card account. In the second embodiment, the account security server

(5) A telecom connection with the bank card network (401), the account security server (5) can be integrated into the bank card network (401), and all transaction payments processed through the bank card network (401) can pass through the account security server. (5) Perform a security verification step on the identity of the user to ensure the security of the user's bank card account.

With continued reference to FIG. 3, the payment network (4) of the third embodiment shown in FIG. 3 includes a bank card network (401), an acquiring bank (402) having a bank account of the merchant, and a bank card account provided with the user. Card issuing bank (403), wherein the bank card network (401) and the acquiring bank respectively

(402) and the issuing bank (403) are connected by telecommunications, the issuing bank (403) is connected to the account security server (5), and the transaction terminal (3) is connected via a wired/wireless network such as a mobile phone network, a WIFI network, Regional network, internet and other network access payment networks

(4) The acquiring bank (40 ² ), the issuing bank (403), when processing the transaction request belonging to the user's bank card account, through the account security server (5) and the mobile phone (2) associated with the bank card account Verify the security verification of the user's identity. In the third embodiment, the account security server (5) is connected to the issuing bank (403) by telecommunications, and the account security server (5) can be Integrated into the issuing bank (403), all transaction payments for bank card accounts belonging to the issuing bank (403) can be securely verified by the account security server (5) to protect the identity of the user, thereby securing the bank card account of the bank. Safety.

With continued reference to FIG. 4, the payment network (4) of the fourth embodiment shown in FIG. 4 includes a bank card network (401), an acquiring bank (402) having a bank account of the merchant, and a bank card account provided with the user. a card issuing bank (403), a payment gateway (404), wherein the bank card network (401) is connected to the issuing bank (403), and the payment gateway (404) is respectively associated with the acquiring bank (402) and the bank card network (401) Phase telecommunications connection, and telecommunications connection with the account security server (5), the transaction terminal (3) through a wired/wireless network such as mobile phone network, WIFI network, regional network, Internet, etc. The payment gateway (404) of the network (4), the payment gateway (404), when processing the transaction request belonging to the user's bank card account, is verified by the account security server (5) and the mobile phone (2) associated with the bank card account. Security verification of this user identity. In the fourth embodiment, a payment gateway (404) is included in the payment network (4), and the payment gateway (404) provides network services to the merchant's transaction terminal (3) and the acquiring bank (402), many existing The credit card payment system uses this architecture. In this embodiment, the account security server (5) is in telecommunication connection with the payment gateway (404), and the account security server (5) can be integrated into the payment gateway (404), and all transactions processed by the payment gateway (404) are processed. The payment can be performed through the account security server (5) to perform security verification steps on the user's identity, thereby ensuring the security of the user's bank card account.

The second to fourth embodiments of the present invention have been described in detail above, and the present invention can be implemented satisfactorily regardless of whether the payment network (4) is implemented by the second embodiment or the third embodiment or the fourth embodiment. The purpose is all within the scope of protection of the present invention.

In the present specification, the bank card network (401) includes a VISA card network, a China UnionPay card network terminal, a MasterCard network terminal, an American Express card (American Express) network terminal, a Japanese JCB card network, a Diner card network, and the like. The network can be applied to these different payment networks as well as the network that accepts bank card payments. In this specification, the transaction terminal (3) is Refers to equipment that can generate payment transactions, including POS machines used by general merchants for collections, credit card machines that can accept credit cards, credit card machines for debit card payments, card readers for contactless financial cards, etc. It can also be a computer or server, such as a server for a shopping website, a server for providing telephone/television shopping services, an account server for public transfer charges, a bank ATM, or an online banking service. Computers that generate transactions based on user account operations, etc., for convenience of explanation, are referred to as transaction terminals in this specification.

(3). In addition, the bank card (1) described in this specification includes a credit card, a debit card, a charge card, a charge card, a debit card, a withdrawal card, a withdrawal card, etc., issued by a bank or financial institution. The card for payment or transaction is always referred to as a bank card (1) in this manual. As for the mobile phone (2) described in this manual, it refers to a communication tool that can communicate, including a smartphone, a tablet, a personal digital assistant (PDA), etc., which can communicate via a network. Electronic equipment, for convenience of explanation, is always referred to as mobile phone (2) in this manual.

The main feature of the present invention is to securely authenticate the identity of the user through the account security server (5) and the user's mobile phone (2) at the time of payment, the account security server.

(5) Different levels of security verification can be used according to the risk level or payment amount. The following is a detailed description of different levels of security verification.

For some small amount payments, a simpler level of security verification can be used, such as an account security server (5) to check whether the user's mobile phone (2) has successfully accessed the account security server.

(5), if the mobile phone (2) has successfully accessed the account security server (5), the security verification is successful, otherwise the security verification fails, as long as the user's mobile phone (2) is powered on, and the account security server is accessed (5) ), the user can make a small amount of payment. In addition, the prompt information may be sent to the user's mobile phone as the security verification. When the security verification is performed, the account security server (5) transmits the prompt information about the transaction to the user's mobile phone (2), such as the prompt. If the information has been successfully transmitted to the phone, the security verification is successful, otherwise the security verification fails. As long as the user's mobile phone (2) receives the prompt message, the security verification is successfully completed, and the user can From the prompt information, I know that my bank card account has just made a payment transaction. If the user does not make a payment and receives a prompt message indicating that someone may have stolen the user's bank card account, the user can immediately report to the bank or Alarm handling, reducing losses.

In addition to the above-mentioned single-level security verification, for some large amounts of payment, a higher level of security verification can be used. To achieve this higher level of security verification, a confirmation message for confirmation must be set up in advance for the user on the account security server (5). This confirmation message can be a password or a dynamically changeable message. When the user uses his bank card account for payment, the security verification includes, in addition to the account security server (5) transmitting the prompt information about the transaction to the user's mobile phone (2), and including the account security server (5) to check The confirmation message returned by the user through the user's mobile phone (2); if the account security server (5) verifies that the confirmation information is correct, the security verification is successful, otherwise the security verification fails. Even if the user's mobile phone (2) and the bank card (1) are stolen by the thief at the same time, the thief does not have the correct confirmation information, and cannot make a large amount of payment, thus ensuring the security of the user's bank card account.

For some large-value payments or higher-risk transaction payments, further security verification can be used, asking the user to answer some questions about his personal information to verify the identity of the user. To achieve such security verification, the account security server (5) is also required to store the user's personal information, such as the user's name, age, address, phone number, hobby, occupation, company name and address, etc. It may include personal information of the relatives of the user, etc., may also include the user's recent transaction record, etc., and may be used as the personal information of the user. When the account security server (5) performs security verification, randomly select some of the personal information of the user. Generate one or more verification problem information, and then transmit the verification problem information to the user's mobile phone (2), and the user should return to the account security server (5) according to the verification problem information within a specified time (for example, within 15 seconds) Answer information, the account security server (5) checks whether the returned answer information meets the correct answer of the verification question information. If the correct answer to the verification question information is correct, the security verification is successful, otherwise the security verification fails. For example, verify that the question information is "What city is your birthplace," or "What is your occupation?" And other issues related to the user, the user must answer correctly to pass the security verification. In addition, each verification question can be combined with a correct answer and multiple similar and erroneous answers, and the user can answer the question in a multiple-choice manner, so that the user can return the answer information more quickly.

The different levels of security verification described above may be selected solely for use in the system and method of the present invention, or may be selected in whole or in part for the system and method of the present invention, and may be determined based on payment amount or transaction risk. The level of security verification. For example, a small amount of payment only needs to check the user's mobile phone (2) has access to the account security server (5); for example, when the user makes a large amount of payment in the store, the user needs to return the correct confirmation information through the mobile phone (2); For online payment, since online payment is a high-risk category, in addition to requiring the user to return the correct confirmation message via the mobile phone (2), the user is required to answer multiple verification questions through the mobile phone (2), and all the correct answers can pass the security verification. The object of the present invention is well achieved regardless of the level of safety verification described above, and is within the scope of the present invention.

Referring to Fig. 5, Fig. 5 is a schematic explanatory view showing the image of a bank card secure payment system according to a fifth embodiment of the present invention, and Fig. 5 is a view showing an embodiment of the present invention applied to an ATM cash machine. In the fifth embodiment, the transaction terminal (3) is a bank ATM machine, and the payment network (4) is a bank having a user bank card account and its ATM network, and the user uses his bank card (1) to withdraw money at the ATM. When the machine conducts a transaction, such as withdrawal, transfer, etc., which belongs to the payment from the user's bank card account, the payment network (4) immediately verifies through the account security server (5) and the associated mobile phone (2) of the bank card account. The user's identity is verified securely, and the user can successfully perform the transaction after the security verification is successful, otherwise the payment network (4) rejects the transaction.

Referring to Fig. 6, there is shown a schematic diagram of the image of the bank card secure payment system of the sixth embodiment of the present invention, and Fig. 6 shows an example of the application of the present invention to the online banking service. In the sixth embodiment, the transaction terminal (3) is an online banking server, and the user accesses the online banking server through the internet (6) using an internet-connected computer (7) to perform account operations, such as transfer, Payment, purchase of stocks, etc. belong to the transaction of the payment from the user's bank card account, the online banking server generates transaction information according to the user's operation, and to the payment network (4) Issue a transaction request, request payment from the user's bank card account, and the payment network (4) immediately verify the identity of the user through the account security server (5) and the mobile phone (2) associated with the bank card account, security verification After the successful payment network (4), the payment of the transaction is performed, and the online banking server can complete the operation of the account, otherwise the payment network (4) rejects the payment of the transaction, and the online banking server cannot complete the operation of the account. Compared with the general online banking system, this embodiment allows the user to grasp the security of his bank card account through the mobile phone (2), even if the hacker steals the user's bank card account information, the hacker does not have the user's mobile phone.

(2) It is impossible to successfully steal the user's bank card account through online banking.

Referring to Figures 7, Figure 7 is a schematic illustration of the image of a bank card secure payment system in accordance with a seventh embodiment of the present invention, and Figure 7 shows an embodiment of the present invention applied to online shopping. In the seventh embodiment, the transaction terminal (3) is a shopping website/online mall/online store/software website/music website/movie website/etc., which sells goods/software/services/videos, etc. through the network. E-commerce server of the class network store, the user uses the internet terminal (7) through the internet

(6) Logging in to the e-commerce server, ie, the transaction terminal (3) placing an order, the e-commerce server generates transaction information according to the user's order, and issues a transaction request to the payment network (4), requesting payment from the user's bank card account, and paying the network. (4) Immediately verify the identity of the user through the account security server (5) and the mobile phone (2) associated with the bank card account. After the security verification is successful, the payment network (4) will pay for the order transaction, otherwise the payment will be made. The network (4) rejects the payment for the order transaction. In addition, the embodiment is also applicable to an electronic merchant such as a TV shopping and a telephone shopping. When the user places an order for payment, the payment network (4) immediately verifies the account through the account security server (5) and the user's mobile phone (2). The security verification of the user identity, after the security verification is successful, the payment network (4) will pay for the order transaction, otherwise the payment network

(4) Refusal of payment for the order transaction.

Referring to FIG. 8, FIG. 8 is a schematic explanatory diagram of a bank card secure payment system according to an eighth embodiment of the present invention, and FIG. 8 is a view showing an embodiment of the present invention applied to automatic transfer payment. In the eighth embodiment, the transaction terminal (3) is an automatic transfer accounting system, and the automatic transfer account The system is the accounting system server of a public institution such as a power company, a gas company, a telephone company, etc. These automatic transfer accounting systems usually transfer funds from the user's bank account through the bank on a regular basis. Although automatic transfer is convenient and fast, many automatic transfer bills are not fixed amount, but depending on the usage. Users usually receive the monthly statement after the automatic transfer is completed, and many users know that they will be charged more. I don't dare to use automatic transfer, making automatic transfer difficult to implement widely. In this embodiment, when the automatic transfer accounting system, that is, the transaction terminal (3) requests the bank's payment network (4) to automatically transfer money from the user's bank card account, for example, the power company automatically transfers money from the user's bank card account. To charge the electricity fee, the payment network (4) immediately verify the identity of the user through the account security server (5) and the associated mobile phone (2) of the bank card account. After the security verification is successful, the bank is the payment network (4). The automatic transfer payment is made, otherwise the payment network (4) refuses to execute the automatic transfer branch, and the user does not have to worry about being charged more, which is beneficial to the promotion of automatic transfer. The invention is described in the above-described embodiments, but the invention is not limited thereto, and various changes and modifications can be made without departing from the spirit and scope of the invention.

The bank card secure payment system and method using the real-time communication of the invention can protect the security of the user's bank card account. The implementation of the present invention brings good benefits and is beneficial to both banks and users.

Claims

Rights request

A bank card secure payment system, characterized in that the system comprises a user's bank card account and a mobile phone (2), a merchant's transaction terminal (3), a payment network (4), and an account security server (5) , wherein the account security server (5) is connected to the payment network (4), the account security server (5) is provided with real-time communication server software, and the user's mobile phone (2) is provided with a real-time communication application, the mobile phone (2) The real-time communication application accesses the account security server (5), the transaction terminal (3) accesses the payment network (4), the account security server (5) records the account information of the user's bank card account, and the user's bank card account and The user's mobile phone (2) is associated, and, when the payment network (4) receives the merchant's transaction terminal (3) to transmit a transaction request belonging to the user's bank card account, the payment network (4) passes the account security server ( 5) The mobile phone (2) associated with the bank card account is used to verify the security of the user identity, and the payment network is successful after the security verification is successful.

2. The bank card secure payment system according to claim 1, wherein said payment network (4) comprises a bank card network (401), an acquiring bank having a bank account of the merchant

(402), a card issuing bank (403) having a user's bank card account, wherein the bank card network (401) is respectively connected with the acquiring bank (40 ² ) and the issuing bank (403), and when the account security server (5) connected with telecommunications transaction terminal (3) access payment network (4) acquiring bank ^{^(402),} a network card (401) to process the transaction request is the user's bank card account The security verification of the identity of the user is verified by the account security server (5) and the mobile phone (2) associated with the bank card account.

3. The bank card secure payment system according to claim 1, wherein said payment network (4) comprises a bank card network (401), an acquiring bank having a bank account of the merchant (402), a card issuing bank (403) having a user's bank card account, wherein the bank card network (401) is respectively connected with the acquiring bank (40 ² ) and the issuing bank (403), and the issuing bank (403) Telecommunications connection with the security server account (5), the transaction terminal (3) access payment network (4) acquiring bank ^{^(402),} the issuing bank

(403) When processing a transaction request belonging to the user's bank card account, the security of the user identity is verified by the account security server (5) and the mobile phone (2) associated with the bank card account.

4. The bank card secure payment system according to claim 1, wherein the payment network (4) comprises a bank card network (401), an acquiring bank (402) having a bank account of the merchant, and a card issuing bank (403) having a bank card account of the user, and a payment gateway (404), wherein the bank card network (401) is connected to the issuing bank (403), and the payment gateway (404) is separately associated with the acquiring bank (40 ² ) is connected to the bank card network (401) by telecommunications, and is connected to the account security server (5), and the transaction terminal (3) accesses the payment gateway (404) of the payment network (4), and the payment gateway (404) When the transaction request belonging to the user's bank card account is processed, the account security server (5) and the mobile phone (2) associated with the bank card account are used to verify the security of the user identity.

The bank card security payment system according to any one of claims 2 to 4, wherein the bank card network (401) comprises a VISA card network, a China UnionPay card network, a MasterCard network, an American Express card. Network, Japan JCB card network, Diners card network.

The bank card secure payment system according to any one of claims 1 to 4, characterized in that the transaction terminal (3) is a bank ATM machine.

The bank card secure payment system according to any one of claims 1 to 4, characterized in that the transaction terminal (3) is an online banking server.

The bank card secure payment system according to any one of claims 1 to 4, characterized in that the transaction terminal (3) is an e-commerce server of a network store.

The bank card secure payment system according to any one of claims 1 to 4, characterized in that the transaction terminal (3) is an automatic transfer accounting system.

10. A method for secure payment of a bank card, characterized in that the method comprises setting an account security server (5), recording account information of a user's bank card account at the account security server (5), and placing the user's bank card The account is associated with the user's mobile phone (2), the account security server (5) is connected to the payment network (4), and the account security server

(5) With real-time communication server software, the user's mobile phone (2) has a real-time communication application, and the mobile phone (2) accesses the account security server through the real-time communication application.

(5), and, when the payment network (4) receives the transaction request of the merchant's transaction terminal (3) belonging to the user's bank card account, the payment network (4) passes the account security server (5) and the bank card The associated mobile phone of the account (2) performs a security verification to verify the identity of the user. After the security verification is successful, the payment network (4) continues the subsequent steps of the transaction, otherwise the transaction is rejected.

11. The bank card secure payment method according to claim 10, wherein the security verification comprises the account security server (5) transmitting the prompt information about the transaction to the user's mobile phone (2), such as If the prompt information has been successfully transmitted to the mobile phone, the security verification is successful, otherwise the security 3 fails.

2. The bank card secure payment method according to claim 11, wherein the security verification further comprises an account security server (5) checking the confirmation information returned by the user through the user's mobile phone (2); for example, an account security server (5) If the verification information is correct and correct, the security verification function is obtained, otherwise the security 3 fails. The bank card secure payment method according to any one of claims 10 to 12, wherein the account security server (5) stores personal information of the user, and the account security server (5) performs security verification. , randomly selecting some of the personal information of the user to generate verification problem information, and then transmitting the verification problem information to the user's mobile phone

(2), the user needs to return the answer information to the account security server (5) according to the verification question information within a specified time, and the account security server (5) checks whether the returned answer information meets the correct answer of the verification question information, such as checking the answer. If the information meets the correct answer, then the security 3 is successful, otherwise the security 3 fails.