CN104346884B - Utilize monitoring system and the monitoring method of radio signal monitoring payment terminal position - Google Patents

Abstract

The invention relates to a monitoring system and a monitoring method for monitoring the position of a payment terminal by using radio signals. The monitoring method includes the following steps: a first location information acquisition step, the payment terminal performs the first prescribed processing on the collected local radio signals to generate the first location information and sends it to the acquirer or the transfer processing server; the second In the location information acquisition step, the acquirer or the transfer processing server performs the same processing as the first prescribed processing on the radio signals received in the local area to generate the second location information; in the comparison step, the acquirer or transfer The processing server compares the first location information and the second location information; judging step, if the first location information is consistent with the second location information, the acquirer or the transfer processing server judges the payment terminal There is no relocation of the location. The invention can effectively judge the relocation situation of the payment terminal, and can effectively prevent the bank card risk loss caused by the relocation of the payment terminal.

Description

Monitoring system and monitoring method for monitoring payment terminal position using radio signals

technical field

The present invention relates to the technical field of financial communication, and more particularly relates to a monitoring system and method capable of monitoring the usage location of a mobile payment terminal by radio signals.

Background technique

In the field of financial payment, convenient mobile POS machines are favored by more and more merchants, but a very important problem is that more and more illegal merchants apply for mobile POS machines to be used across regions to carry out illegal activities such as cashing out , this potential risk is called the risk of relocation.

Moreover, in recent years, the bank card payment business has developed rapidly, and the number of bank card acceptance terminals such as POS has increased rapidly, which has caused great difficulties in the management of acquirers. In some areas, the application management of POS machines and other acceptance terminals is not strict, and criminals apply for a large number of POS machines in this area and transfer them to other areas for use, seriously disrupting the order of the bank card acceptance market. Regulatory agencies also explicitly prohibit the cross-regional use of POS machines. However, due to the large number of POS machines, it is often difficult for acquirers to detect the transfer of POS machines to other regions in a timely manner through daily inspections.

In the existing technology, there are the following two techniques for monitoring the risk of relocation:

One technique is, for existing dial-up POS devices, by comparing the long-distance area code of the merchant address in the merchant file information with the collected terminal dial-out number to detect the risk of machine migration. Since the mobile POS machine uses the mobile network instead of the dial-up network, it cannot be used on the mobile POS machine; moreover, by comparing the long-distance area code, it can only be judged that the long-distance area code is different, and it cannot be judged whether the mobile phone is moved in the same area. .

Another technology is to monitor the proportion of local cards in the transactions of POS machines. This method also cannot judge the machine migration behavior in the same area; and this technology is based on statistical behavior and requires a large amount of transaction data. Judgment cannot prevent risks in time; in addition, the high proportion of outdoor cards in merchants located in tourist gathering places does not mean that there is a transfer behavior, which may easily lead to misjudgment.

Contents of the invention

In view of the above problems, the present invention aims to provide a monitoring system and method for monitoring the location of payment terminals using radio signals, which can effectively and accurately realize the risk judgment of relocation.

The monitoring method of the present invention using radio signals to monitor the location of the payment terminal is characterized in that it comprises the following steps:

The first location information acquisition step, the payment terminal performs the first prescribed processing on the collected local radio signals to generate the first location information and sends it to the acquirer or the transfer processing server;

In the second location information acquisition step, the acquirer or the transfer processing server generates the second location information after performing the same processing as the first prescribed processing on the radio signals received in the local area;

In the comparing step, the acquirer or the transfer processing server compares the first location information and the second location information;

In the judging step, if the first location information is consistent with the second location information, the acquirer or the transfer processing server judges that there is no relocation of the payment terminal location.

Preferably, in the judging step, if the first location information is inconsistent with the second location information, the acquirer or the transfer processing server judges that the location of the payment terminal has moved.

Preferably, if the radio signal of the payment terminal is not collected in the first location information obtaining step, then in the judging step, the acquirer or the transfer processing server directly judges that the location of the payment terminal has moved .

Preferably, the first prescribed processing refers to sampling and encoding the collected radio signal to obtain digital information, and combining the digital information with time information representing the time when the radio signal was received to generate a character string.

Preferably, in the step of obtaining the first location information, after encrypting the first location information with an encryption key pre-stored in the payment terminal, the encrypted first location information is sent to the acquirer or transfer processing server,

In the comparing step, the acquirer or the transfer processing server decrypts the encrypted first location information and compares it with the second location information.

Preferably, the first prescribed processing includes the following sub-steps:

(1) Set up a character conversion table in advance, the character conversion table includes the corresponding conversion characters of all ASII characters and each character has a unique corresponding conversion character;

(2) Use the character conversion table to perform a character conversion on the above string;

(3) Perform a shift operation on the string, shifting the end of the string to the beginning of the string;

(4) Take the fifth character of the time information, and use this character to perform XOR with each character in the string;

(5) Use the MD5 algorithm to calculate the above string, and generate the processed radio signal information.

Preferably, the first prescribed processing includes the following sub-steps:

(1) Set up a character conversion table in advance, the character conversion table includes the corresponding conversion characters of all ASII characters and each character has a unique corresponding conversion character;

(2) Use the SHA1 algorithm to calculate the above string and generate a 160-bit message digest;

(3) Perform a shift operation on the message digest string, and exchange the double-digit character with its previous character;

(4) Take the last character of the time information, and use this character to perform XOR with each character in the string;

(5) Use the character conversion table to perform a character conversion on the character string to generate the processed radio signal information.

Preferably, in the step of obtaining the first location information, the first location information is sent to the acquirer or the transfer processing server during the transaction or when the transaction is idle.

Preferably, a frequency-modulated signal is used as the radio signal.

Preferably, a radio signal of a specific frequency band is used as the radio signal.

The monitoring system of the present invention, which utilizes radio signals to monitor the location of payment terminals, is characterized in that it includes:

The payment terminal is used to generate the first location information after receiving the local radio signal through the first prescribed processing and send it to the following acquirer or transfer processing server;

The acquirer or the transfer processing server is used to perform the same processing as the first prescribed processing on the radio signals received in the local area to generate the second location information, and compare all the information sent from the payment terminal. The first location information and the second location information, and if the first location information is consistent with the second location information, it is judged that there is no mobile transfer at the location of the payment terminal.

Preferably, the acquirer or the transfer processing server judges that the location of the payment terminal has been moved if the first location information is inconsistent with the second location information, or, if the payment terminal does not collect In the case of a radio signal, the acquirer or the transfer processing server directly determines that the location of the payment terminal has been moved.

Preferably, the first prescribed processing refers to sampling and encoding the collected local radio signal to obtain digital information, and combining the digital information with time information representing the time when the radio signal was received to generate a character string .

Preferably, the payment terminal further performs first prescribed processing on the collected radio signals to generate first location information, encrypts the first location information, and sends it to the acquirer or the transfer processing server,

The acquirer or the transfer processing server decrypts the encrypted first location information and compares it with the second location information.

Preferably, the payment terminal is a POS terminal or a telephone payment terminal,

The payment terminal includes a receiving antenna for receiving radio, and the acquirer or the forwarding processing server includes a receiving antenna for receiving radio.

The monitoring system of the present invention, which utilizes radio signals to monitor the location of payment terminals, is characterized in that it includes:

The radio station is used to transmit the radio of the specified frequency band in the area where the following acquirer or transfer processing server is installed;

The payment terminal is used to generate the first position information after performing the first prescribed processing on the received radio signal in the prescribed frequency band, and send it to the following acquirer or transfer processing server;

The acquirer or the transfer processing server is used to process the radio signal of the specified frequency band transmitted by the radio station through the same processing as the first specified processing to generate the second position information, and compare the information sent from the payment terminal to the second location information. The first location information and the second location information received from the terminal, and if the first location information and the second location information are consistent, it is judged that there is no mobile transfer at the location of the payment terminal.

Preferably, the acquirer or the transfer processing server judges that the location of the payment terminal has been moved if the first location information is inconsistent with the second location information, or, if the payment terminal does not collect In the case of the radio signal in the specified frequency band, the acquirer or the transfer processing server directly determines that the location of the payment terminal has been moved.

Preferably, the first prescribed processing refers to sampling and encoding the collected radio signal in the prescribed frequency band to obtain digital information, and combining the digital information with time information representing the time when the radio signal is received to generate string.

Preferably, the payment terminal further performs first prescribed processing on the collected radio signals of the prescribed frequency to generate first location information, encrypts the first location information, and sends it to the acquirer or transfer processing server,

The acquirer or the transfer processing server decrypts the encrypted first location information and compares it with the second location information.

Preferably, the payment terminal is a POS terminal or a telephone payment terminal, the payment terminal is equipped with a receiving antenna for receiving radio, and the acquirer or the transfer processing server is equipped with a receiving antenna for receiving radio.

Description of drawings

FIG. 1 is a configuration diagram showing a monitoring system for monitoring the location of a payment terminal using radio signals according to an embodiment of the present invention.

FIG. 2 is a flow chart showing a monitoring method for monitoring the location of a payment terminal using radio signals according to an embodiment of the present invention.

detailed description

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.

The monitoring method and monitoring system for monitoring the location of a payment terminal by using radio signals of the present invention will be described below.

FIG. 1 is a configuration diagram showing a monitoring system for monitoring the location of a payment terminal using radio signals according to an embodiment of the present invention. As shown in FIG. 1 , an embodiment of the present invention uses radio signals to monitor the monitoring system of the payment terminal location, including a payment terminal 100, an access device 200 for connecting the payment terminal, an acquirer 300, and a specific frequency for transmitting the area. The radio wave transmitter 400 and the communication network 500 between the access device 200 and the payment terminal 100 and between the access device 200 and the acquirer 300 are connected. Among them, the payment terminal 100 has a receiving antenna for receiving radio, and the acquirer 200 also has a receiving antenna for receiving radio.

Here, an example in which the payment terminal 100 is connected to the acquirer 300 through the access device 200 is shown, but depending on the situation, the payment terminal 100 may also be connected to a transfer processing server (not shown) through the access device 200 .

In the following, a method for monitoring the location of a payment terminal by using radio signals according to an embodiment of the present invention will be described first.

FIG. 2 is a flow chart showing a monitoring method for monitoring the location of a payment terminal using radio signals according to an embodiment of the present invention.

As shown in Figure 2, an embodiment of the present invention utilizes a radio signal to monitor the monitoring method of the payment terminal position and includes the following steps:

The first location information acquisition step S101: the payment terminal generates the first location information after performing the first prescribed processing on the local radio signal received by its receiving antenna and sends it to the acquirer or the transfer processing server;

Second location information acquisition step S102: The acquirer or the transfer processing server compares the radio signal received in the local area (that is, the radio signal emitted by the transmitter 400 that transmits the radio wave in the area) with the first It is stipulated that the second location information is generated after processing the same processing;

Comparing step S103: the acquirer or the transfer processing server compares the first location information and the second location information;

Judgment step S104: If the first location information is consistent with the second location information, the acquirer or the transfer processing server judges that there is no mobile transfer at the location of the payment terminal; or, if the first location information and the second location information are consistent If the second location information is inconsistent, the acquirer or the transfer processing server determines that the location of the payment terminal has been moved.

On the other hand, if the payment terminal does not receive the radio signal in the first location information acquisition step S101, then in the determination step S104, the acquirer or the transfer processing server directly determines that the payment terminal has moved.

Further, in the first location information acquisition step S101, the first location information can be further encrypted with the encryption key pre-stored in the payment terminal, and the encrypted first location information can be sent to the acquirer Or transfer processing server. In this way, in the comparing step S103, the acquirer or the transfer processing server decrypts the encrypted first location information and then compares it with the second location information.

In addition, in the step S101 of obtaining the first location information, the first location information is sent to the acquirer or the transfer processing server during the transaction or when the transaction is idle. Sending when idle can take the hour or a similar timing mechanism. It can also be set to continue to try after a period of time if the upload fails.

In the present invention, the above-mentioned first prescribed processing refers to sampling and encoding the collected radio signal to obtain digital information, and combining the digital information with the time information indicating the time when the radio signal was received to generate a character string . For example, after the payment terminal receives the radio signal with its receiving antenna, it performs necessary processing (such as sampling, encoding, etc.) to form specific digital information. The digital information and the time information of the received radio signal (the format can be adopted MMDDhhmmss (such as 0306151729 at 15:17:29 on March 6) is merged to form a character string, and a specific algorithm is used to process the merged data information. Hereinafter, the first predetermined processing performed by two specific algorithms will be listed.

First Algorithm:

(1) Set up a character conversion table in advance, the character conversion table includes the corresponding conversion characters of all ASII characters and each character has a unique corresponding conversion character;

(2) Use the character conversion table to perform a character conversion on the above string;

(3) Perform a shift operation on the string, shifting the end of the string to the beginning of the string;

(4) Take the fifth character of the time information, and use this character to perform XOR with each character in the string;

(5) Use the MD5 algorithm to calculate the above string, and generate the processed radio signal information.

The second algorithm:

(1) Set up a character conversion table in advance, the character conversion table includes the corresponding conversion characters of all ASII characters and each character has a unique corresponding conversion character;

(2) Use the SHA1 algorithm to calculate the above string and generate a 160-bit message digest;

(3) Perform a shift operation on the message digest string, and exchange the double-digit character with its previous character;

(4) Take the last character of the time information, and use this character to perform XOR with each character in the string;

(5) Use the character conversion table to perform a character conversion on the character string to generate the processed radio signal information.

In the present invention, the method of utilizing existing public radio signals and the method of actively transmitting radio signals can be adopted. Specifically as follows:

(1) Using existing public radio signal methods

At present, FM (frequency modulation) radio stations have been launched in major areas of the country. Due to the limitation of the signal transmission range of FM stations, generally one station can only cover one area (including one city or one province), and there are basically no multiple cities or provinces. Situations where provinces broadcast the same content on the same FM band.

Payment terminals in various places can receive local FM information respectively (the receiving time and frequency band can be determined by the payment terminal program, or automatically search for the FM frequency band). After the acquiring agency or transfer server, acquirer or transfer server decrypts this information, compare the FM signals collected by the acquirer or transfer server in this area to find out whether the payment terminal has been transferred to another area for use.

This method is suitable for large-scale monitoring of payment terminals across the country.

2. The way of actively transmitting radio signals

For some areas where payment terminals are seriously moved into, the method of actively transmitting radio signals can be used to centrally discover the payment terminals that have been moved into the area.

The acquirer or transfer server sets up a radio station in the area to transmit radio information of a specific frequency band. After the payment terminal in the area receives the information (reception time, frequency band and other information can be set in the payment terminal in advance), it is sent to The acquirer or the transfer server can promptly discover the payment terminal that has been moved into the area by using the above method.

In the case of using the monitoring method of the present invention, after the criminal moves the payment terminal, he can use the interceptor and the transfer device to avoid the bank and UnionPay monitoring of the payment terminal dial-in number, but because it is impossible to know that the payment terminal collects The radio frequency band and time information, and the uploaded information is encrypted by the key of the payment terminal. Therefore, criminals cannot forge the radio information sent to cover up the behavior that the payment terminal is transferred. Like this, criminals cannot effectively evade the monitoring method of the present invention.

Moreover, using the monitoring method of the present invention, there are few changes to the current bank card acceptance processing flow. It is only necessary to add a radio signal receiving device on the payment terminal, and add a radio signal receiving device on the acquiring institution or transfer server, and POS processing Programs and background monitoring programs have been upgraded and adjusted, new costs are controllable, and the operating procedures of acquirers, merchants and cardholders have not changed.

Next, a monitoring system for monitoring the position of a payment terminal using radio signals according to an embodiment of the present invention will be described. The monitoring system for monitoring the location of payment terminals using radio signals in this embodiment is realized by using existing public radio signals.

The monitoring system of the present invention that utilizes radio signals to monitor the location of payment terminals includes:

The payment terminal 100 is equipped with a receiving antenna for receiving radio, and is used for performing first prescribed processing on the received local radio signal to generate first location information and send it to the following acquirer or transfer processing server;

The acquirer 300 or the transfer processing server is equipped with a receiving antenna for receiving radio, and is used to generate the second position information after performing the same processing as the first predetermined processing on the radio signal received in the local area, such as For the first location information and the second location information sent from the payment terminal, and if the first location information and the second location information are consistent, it is judged that there is no shift in the location of the payment terminal. If the first location information is inconsistent with the second location information, it is judged that the location of the payment terminal has been moved, or, when the payment terminal has not collected radio signals, the acquirer Or the transfer processing server directly judges that the location of the payment terminal has been moved.

Here, the first prescribed processing refers to sampling and encoding the collected local radio signal to obtain digital information, and combining the digital information with time information indicating the time when the radio signal was received to generate a character string. For a specific processing manner, reference may be made to the two algorithms described above.

Moreover, the payment terminal 100 further performs the first prescribed processing on the collected radio signals to generate the first location information, encrypts the first location information with the key stored in the payment terminal 100, and sends it to the acquirer. Or the transfer processing server, the acquirer or the transfer processing server decrypts the encrypted first location information and compares it with the second location information.

In the present invention, the payment terminal may be a POS terminal or a telephone payment terminal, or other payment terminals.

Next, a monitoring system for monitoring the location of a payment terminal using radio signals according to another embodiment of the present invention will be described. The monitoring system for monitoring the location of payment terminals using radio signals in this embodiment is realized by actively transmitting radio signals.

As shown in Fig. 1, another embodiment of the present invention utilizes radio signals to monitor the monitoring system of the payment terminal position, including: a radio station 400, which is used to transmit a specified frequency band in the area where the above-mentioned acquirer or transfer processing server is set; Radio; the payment terminal 100 is equipped with a receiving antenna for receiving radio and is used for performing first prescribed processing on the collected radio signals of the specified frequency band to generate first position information and send it to the following acquirer or transfer The processing server: the acquirer 300 or the transfer processing server is equipped with a receiving antenna for receiving radio and is used to process the radio signal of the specified frequency band transmitted by the radio station through the same processing as the first specified processing to generate the second Two location information, comparing the first location information and the second location information sent from the payment terminal, and judging the payment when the first location information and the second location information are consistent There is no relocation of the terminal location or, if the above-mentioned first location information is inconsistent with the second location information, it is determined that there is a relocation of the payment terminal location, or, when the payment terminal does not collect the specified frequency band In the case of radio signals, it is directly determined that there is a mobile phone transfer at the location of the payment terminal.

Here, the first prescribed processing refers to sampling and encoding the collected radio signal of the prescribed frequency band to obtain digital information, and combining the digital information with time information indicating the time when the radio signal was received to generate a character string. For a specific processing manner, reference may be made to the two algorithms described above.

Moreover, the payment terminal 100 further performs first predetermined processing on the collected radio signal of the specified frequency to generate first location information, encrypts the first location information, and sends it to the acquirer or the transfer processing server. The acquirer 300 or the transfer processing server decrypts the encrypted first location information and compares it with the second location information.

In the case of using a monitoring system that uses radio signals to monitor the location of the payment terminal, after the criminal moves the payment terminal, even if the interceptor and transfer device can be used to avoid the monitoring of the payment terminal dial-in number by the bank and UnionPay, However, it is impossible to know the radio frequency band and time information collected by the payment terminal, and the uploaded information is encrypted by the key of the payment terminal. Therefore, criminals cannot forge the radio information sent to cover up the behavior that the payment terminal is transferred. Like this, criminals cannot effectively evade the monitoring method of the present invention.

Moreover, the monitoring system of the present invention, which utilizes radio signals to monitor the location of payment terminals, has few changes to the current bank card acceptance process. Receiver, and upgrade and adjust the POS processing program and background monitoring program, the new cost is controllable, and the operation process of the acquirer, merchant and cardholder has not changed.

The above examples mainly illustrate the monitoring system and monitoring method of the present invention for monitoring the location of payment terminals using radio signals. Although only some specific embodiments of the present invention have been described, those skilled in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. The examples and embodiments shown are therefore to be regarded as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined in the appended claims with replace.

Claims (20)

1. the monitoring method utilizing radio signal monitoring payment terminal position, it is characterised in that comprise the steps:

Primary importance information acquiring step, after the local radio signal collected is carried out the first predetermined processing by payment terminal Generate and in primary importance information, give acquirer or switching processing server；

Second position information acquiring step, acquirer or the switching processing server radio signal to receiving in this area Second position information is generated after carrying out the process identical with described first predetermined processing；

Primary importance information and described second position information described in comparison step, acquirer or switching processing server comparison；

Judge step, in the case of described primary importance information is consistent with described second position information at acquirer or switching Reason server judges that payment terminal position does not exist telephone-moving situation.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 1, it is characterised in that

In described judgement step, in the case of described primary importance information and described second position information are inconsistent, receive unit Structure or switching processing server judge that payment terminal position exists telephone-moving situation.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 1, it is characterised in that

In the case of not collecting the radio signal of payment terminal in described primary importance information acquiring step, then described Judge that in step, acquirer or switching processing server are directly judged as that payment terminal position exists telephone-moving situation.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 1, it is characterised in that

Described first predetermined processing refers to carry out the radio signal collected to sample, encode after obtain digital information, and This digital information and the temporal information representing the time receiving this radio signal are merged generation character string.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 4, it is characterised in that

In described primary importance information acquiring step, to the encryption stored in advance in described primary importance information payment terminal After key is encrypted, acquirer or switching processing server will be given in the primary importance information after encryption,

In described comparison step, acquirer or switching processing server will encryption after primary importance information deciphering after with Described second position information is compared.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 5, it is characterised in that

Described first predetermined processing includes following sub-step:

(1) pre-setting a character transformation table, this character transformation table includes the correspondent transform character of all ascii characters and every Individual character all has unique corresponding conversion character；

(2) use character transformation table that above-mentioned character string carries out a character transformation；

(3) character string is carried out shifting function, character string end is moved to character string the first；

(4) taking the 5th character of described temporal information, each character carries out XOR with character string respectively to use this character；

(5) MD5 algorithm is used to calculate above-mentioned character string, the radio signal information that generation has processed.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 5, it is characterised in that

Described first predetermined processing includes following sub-step:

(1) pre-setting a character transformation table, this character transformation table includes the correspondent transform character of all ascii characters and every Individual character all has unique corresponding conversion character；

(2) use SHA1 algorithm to calculate above-mentioned character string, generate the eap-message digest of 160；

(3) eap-message digest character string is carried out shifting function, previous with it for dual number digits character position character is exchanged；

(4) take the ultimate character of described temporal information, use this character to carry out XOR with each character in character string；

(5) use character transformation table that character string carries out a character transformation, the radio signal information that generation has processed.

8. the monitoring method utilizing radio signal monitoring payment terminal position as described in claim 1～7 any one, its It is characterised by,

In described primary importance information acquiring step, when transaction or when concluding the business idle, receipts will be given in primary importance information Unit structure or switching processing server.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 8, it is characterised in that

FM signal is used as described radio signal.

Utilize the monitoring method of radio signal monitoring payment terminal position the most as claimed in claim 8, it is characterised in that

The radio signal of special frequency channel is used as described radio signal.

11. 1 kinds of monitoring systems utilizing radio signal monitoring payment terminal position, it is characterised in that including:

Payment terminal, generates primary importance information after the local radio signal received is carried out the first predetermined processing On give following acquirer or switching processing server；

Acquirer or switching processing server, for carrying out the radio signal received in this area and described first rule Surely the second position information that generates after identical process is processed, second position information described in comparison and sending here from described payment terminal Described primary importance information, and in the case of described primary importance information is consistent with described second position information judge Pay terminal location and there is not telephone-moving situation.

12. monitoring systems utilizing radio signal monitoring payment terminal position as claimed in claim 11, it is characterised in that

Described acquirer or switching processing server are inconsistent in described primary importance information and described second position information In the case of judge that payment terminal position exists telephone-moving situation, or, do not collect the feelings of radio signal in described payment terminal Under condition, described acquirer or switching processing server are directly judged as that payment terminal position exists telephone-moving situation.

13. monitoring systems utilizing radio signal monitoring payment terminal position as claimed in claim 12, it is characterised in that

Described first predetermined processing refers to carry out the local radio signal collected to sample, encode after obtain numeral letter Breath, and this digital information and the temporal information representing the time receiving this radio signal are merged generation character String.

14. monitoring systems utilizing radio signal monitoring payment terminal position as claimed in claim 13, it is characterised in that

Described payment terminal generates primary importance information after the radio signal collected carries out the first predetermined processing further And on after this primary importance information is encrypted, give described acquirer or switching processing server,

Described acquirer or switching processing server will encryption after primary importance information deciphering after with the described second position Information is compared.

The 15. monitoring systems utilizing radio signal monitoring payment terminal position as described in claim 11～14 any one System, it is characterised in that

Described payment terminal is POS terminal or phone-payment terminal,

Described payment terminal possesses the reception antenna for receiving radio signal, described acquirer or switching processing server Possesses the reception antenna for receiving radio signal.

16. 1 kinds of monitoring systems utilizing radio signal monitoring payment terminal position, it is characterised in that including:

Radio set, for launching the wireless of regulation frequency range in the area arranging following acquirer or switching processing server The signal of telecommunication；

Payment terminal, generates first after the radio signal of the described regulation frequency range received carries out the first predetermined processing Following acquirer or switching processing server is given on positional information；

Acquirer or switching processing server, the radio signal of the regulation frequency range for being launched by described radio set is carried out Second position information is generated, second position information described in comparison and from described after the process identical with described first predetermined processing Pay the described primary importance information sent here in terminal, and consistent with described second position information in described primary importance information In the case of judge that payment terminal position does not exist telephone-moving situation.

17. monitoring systems utilizing radio signal monitoring payment terminal position as claimed in claim 16, it is characterised in that

Described acquirer or switching processing server are inconsistent in described primary importance information and described second position information In the case of judge that payment terminal position exists telephone-moving situation, or, do not collect described regulation frequency range in described payment terminal In the case of radio signal, described acquirer or switching processing server are directly judged as that payment terminal position exists telephone-moving Situation.

18. monitoring systems utilizing radio signal monitoring payment terminal position as claimed in claim 17, it is characterised in that

Described first predetermined processing refers to carry out the radio signal of this regulation frequency range collected to sample, encode after counted Word information, and this digital information and the temporal information representing the time receiving this radio signal are merged generation word Symbol string.

19. monitoring systems utilizing radio signal monitoring payment terminal position as claimed in claim 18, it is characterised in that

Described payment terminal generates after the radio signal of this regulation frequency range collected carries out the first predetermined processing further Primary importance information and after this primary importance information is encrypted on give described acquirer or switching processing server,

Described acquirer or switching processing server will encryption after primary importance information deciphering after with the described second position Information is compared.

The 20. monitoring systems utilizing radio signal monitoring payment terminal position as described in claim 16～19 any one System, it is characterised in that

Described payment terminal is POS terminal or phone-payment terminal,

Described payment terminal possesses the reception antenna for receiving radio signal,

Described acquirer or switching processing server possess the reception antenna for receiving radio signal.