CN106504003A - A kind of method of mobile terminal payment mandate and mobile terminal - Google Patents

Abstract

Embodiments of the present invention provide a mobile terminal payment authorization method and a mobile terminal, the mobile terminal includes a second user mode, and the method includes: when the mobile terminal performs a payment operation in the second user mode, detecting Whether the mobile terminal has payment authority in the second user mode; when the mobile terminal does not have payment authority in the second user mode, send a payment authorization request to the associated terminal; receive the payment authorization from the associated terminal An authorization instruction for requesting feedback; the mobile terminal obtains payment authority in the second user mode. The embodiment of the present invention is used to solve the current authorization problem when children perform payment operations on mobile terminals.

Description

A mobile terminal payment authorization method and mobile terminal

technical field

The invention relates to the technical field of mobile terminals, in particular to a payment authorization method for a mobile terminal and a mobile terminal.

Background technique

With the development of science and technology, the penetration rate of mobile terminals (such as mobile phones, tablets, smart wearable devices, etc.) is getting higher and higher, and the role played by mobile terminals in people's life or work is also becoming more and more important. In order to meet the various needs of users, such as reading, conversation, shopping, etc., in addition to the basic communication functions, mobile terminals also have payment functions, allowing users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Account payment has brought great convenience to people's life. Nowadays, it is more and more common for children or the elderly to operate mobile terminals such as mobile phones and tablets, but parents may worry that children or the elderly will accidentally touch the mobile terminal when using the mobile terminal, which will lead to the fact of payment and cause unnecessary losses.

Therefore, it is necessary to restrict the payment operation for different user identities of the mobile terminal, especially when the mobile terminal is used by a child or an elderly person, it is necessary to restrict the payment operation of the mobile terminal.

Contents of the invention

The embodiment of the invention discloses a mobile terminal payment authorization method and a mobile terminal to solve the current authorization problem when children perform payment operations on the mobile terminal.

In a first aspect, a method for payment authorization of a mobile terminal is provided, the mobile terminal includes a second user mode, and the method includes:

When the mobile terminal performs a payment operation in the second user mode, detecting whether the mobile terminal has payment authority in the second user mode;

When the mobile terminal does not have payment authority in the second user mode, send a payment authorization request to the associated terminal;

receiving an authorization instruction fed back by the associated terminal for the payment authorization request;

The mobile terminal obtains payment authority in the second user mode.

In a second aspect, a mobile terminal is provided, the mobile terminal includes a second user mode, and the mobile terminal includes:

A payment authority detection module, configured to detect whether the mobile terminal has payment authority in the second user mode when the mobile terminal performs a payment operation in the second user mode;

A payment authorization request sending module, configured to send a payment authorization request to an associated terminal when the mobile terminal does not have payment authority in the second user mode;

An authorization instruction receiving module, configured to receive an authorization instruction fed back by the associated terminal to the payment authorization request;

The payment authority obtaining module is used for the mobile terminal to obtain the payment authority in the second user mode.

In this way, in the embodiment of the present invention, when the mobile terminal performs a payment operation in the second user mode, if it is detected that the mobile terminal does not have payment authority in the second user mode, a payment authorization request is sent to the associated terminal. Only when receiving the payment authorization instruction information fed back by the associated terminal, the mobile terminal can authorize the mobile terminal to activate the payment authority in the second user mode according to the authorization instruction, so that when the mobile terminal performs payment operations in the second user mode, only Only when the mobile terminal has the payment authority, the user is allowed to perform payment operations; it can effectively avoid economic losses caused by children or the elderly due to careless touches.

Description of drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following will briefly introduce the accompanying drawings that need to be used in the description of the embodiments of the present invention. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention , for those skilled in the art, other drawings can also be obtained according to these drawings without paying creative labor.

FIG. 1 is a flow chart of the steps of a method embodiment of a mobile terminal payment authorization according to Embodiment 1 of the present invention;

FIG. 2 is a flow chart of the steps of a method embodiment of a mobile terminal payment authorization according to Embodiment 2 of the present invention;

FIG. 3 is a structural block diagram of a mobile terminal embodiment according to Embodiment 3 of the present invention;

FIG. 3a is one of the structural block diagrams of a mobile terminal embodiment in Embodiment 3 of the present invention;

FIG. 3b is the second structural block diagram of a mobile terminal embodiment in Embodiment 3 of the present invention;

FIG. 3c is the third structural block diagram of a mobile terminal embodiment according to the third embodiment of the present invention;

Fig. 3d is the fourth structural block diagram of a mobile terminal embodiment according to the third embodiment of the present invention;

Fig. 3e is the fifth structural block diagram of a mobile terminal embodiment in the third embodiment of the present invention;

FIG. 4 is a structural block diagram of a mobile terminal provided by Embodiment 4 of the present invention;

FIG. 5 is a structural block diagram of a mobile terminal provided by Embodiment 5 of the present invention.

detailed description

The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

Embodiment one

Please refer to FIG. 1 , which is a flowchart of a payment authorization method for a mobile terminal according to Embodiment 1 of the present invention.

A method for payment authorization of a mobile terminal provided by an embodiment of the present invention, the mobile terminal may include a second user mode, and the method may specifically include the following steps:

Step 101, when the mobile terminal performs a payment operation in the second user mode, detect whether the mobile terminal has payment authority in the second user mode.

In the embodiment of the present invention, the mobile terminal may be configured with one or more user modes. Wherein, the user mode may include a first user mode and a second user mode, the first user mode is a mode set for a regular user, and the regular user may be a teenager or an adult, and the second user mode is a mode set for a specific user, and the specific Users can be children or the elderly. In the second user mode, in order to avoid arbitrary deductions due to misoperation by specific users, some applications of the mobile terminal are set with permission restrictions, such as payment permissions.

When the mobile terminal switches to the second user mode, and the current user performs a payment operation in the second user mode, the mobile terminal starts to detect whether it has payment authority in the second user mode, so as to determine whether the current user is allowed to pay in the second user mode. Perform payment operations in user mode.

Step 102, when the mobile terminal does not have payment authority in the second user mode, the mobile terminal sends a payment authorization request to the associated terminal.

In the embodiment of the present invention, an associated terminal is provided, and the associated terminal can control the opening or closing of the payment authority of the mobile terminal, for example, whether to allow the mobile terminal to perform payment behavior in the second user mode. Specifically, the associated terminal may be a computer, a mobile phone, a tablet, a smart wearable device, and the like.

When it is detected that the mobile terminal does not have the payment authority in the second user mode, the mobile terminal sends a request for payment authorization to the associated terminal to request the associated terminal to grant the mobile terminal the payment authority in the second user mode to be able to Complete the payment normally.

Step 103, receiving an authorization instruction fed back by the associated terminal regarding the payment authorization request.

If the user of the associated terminal agrees to the payment operation by the mobile terminal, he can feed back an authorization instruction of agreeing to the payment to the mobile terminal. Of course, if the associated terminal does not agree to the mobile terminal to perform the payment operation, it may also feed back an authorization instruction that does not agree to the payment to the mobile terminal.

For example, assume that the first user mode of a mobile terminal is a regular mode, in which users can purchase and pay via online banking, SMS deduction, WeChat payment, Alipay payment, NFC payment, etc.; and the second user mode If it is a children’s mode, when a child purchases a game item in a certain game store, if it is detected that the mobile terminal does not have payment authority in the children’s mode (that is, in the children’s mode, the current user cannot perform purchase and payment operations), then the associated The parent's terminal requests authorization for the payment operation. Wherein, the payment authorization request instruction sent to the parent terminal may include related information such as purchased items, purchased amount and bills. If the parents allow, an authorization instruction to agree to payment can be sent to the mobile terminal in child mode through the associated terminal; otherwise, if the parent does not allow it, an authorization instruction to refuse payment can be sent to the mobile terminal through the associated terminal.

Specifically, the fingerprint data of the parents can be stored on the mobile terminal; if the parents agree to pay, the authorization instruction sent to the mobile terminal through the associated terminal can include the fingerprint data of the parents, and the mobile terminal in the child mode can recognize the fingerprint data of the parents. Fingerprint data, judging whether it matches the fingerprint data of the parent stored in the machine, if it matches, it can be determined as agreeing to pay.

Of course, the above-mentioned fingerprint verification is only one of the methods of verification, as long as it can be verified that it is indeed sent by the parent’s associated terminal, and the operation is indeed done by the parent himself. This is not limited by the embodiment of the present invention.

Step 104, the mobile terminal obtains payment authority in the second user mode.

In a specific implementation, if the mobile terminal receives the payment authorization instruction fed back by the associated terminal, it can grant the mobile terminal the right to obtain payment in the second user mode according to the authorization instruction instruction, and the user can use the mobile terminal at this time Complete the payment operation. Certainly, if the mobile terminal receives the disapproval of the payment authorization instruction fed back by the associated terminal, it may prompt the user of the mobile terminal that the payment operation cannot be completed according to the disapproval of the authorization instruction.

In this way, in the embodiment of the present invention, when the mobile terminal performs a payment operation in the second user mode, if it is detected that the mobile terminal does not have payment authority in the second user mode, a payment authorization request is sent to the associated terminal. Only when receiving the payment authorization instruction information fed back by the associated terminal, the mobile terminal can authorize the mobile terminal to activate the payment authority in the second user mode according to the authorization instruction, so that when the mobile terminal performs payment operations in the second user mode, only Only when the mobile terminal has the payment authority, the user is allowed to perform payment operations; it can effectively avoid economic losses caused by children or the elderly due to careless touches.

Embodiment two

Please refer to FIG. 2 , which is a flowchart of a payment authorization method for a mobile terminal according to Embodiment 1 of the present invention.

A method for payment authorization of a mobile terminal provided by an embodiment of the present invention, the mobile terminal may include a first user mode and a second user mode, and the method may specifically include the following steps:

Step 201, acquiring payment restriction information for a second user mode set by the mobile terminal in the first user mode.

In one example, two user modes can be set, specifically a first user mode and a second user mode, the first user mode is a mode set for regular users, regular users can be teenagers or adults, and the second user mode A mode is a mode set for a specific user, which may be a child or an elderly person.

The two user modes represent the different usage habits and usage methods of the two groups of people, because the age, level of understanding of technology or learning ability of different groups of people have great differences in the use of mobile terminals. Set the parameters.

It should be noted that the operation authority of the first user mode is higher than that of the second user mode. Using the mobile terminal user in the first user mode, you can set the application authority in the second user mode, for example, you can set the payment authority in the second user mode, which can be specific to allow the payment of the amount below a certain range, or directly not Payments are allowed, or the maximum number or amount of bills allowed to be paid per day, etc.

Of course, in practice, more than two user modes can also be set, or even only one specific user mode can be set according to actual needs, which is not limited in the embodiment of the present invention.

Step 202, the mobile terminal forms a payment authority in the second user mode.

In the embodiment of the present invention, the first user mode can be set as a dedicated mode for regular users such as adults, such as parents. The user of the first user mode can set the payment operation authority of the second user mode, and the mobile terminal forms the payment restriction authority of the second user mode, so that the user of the second user mode cannot directly perform the payment operation, only a certain Some user fingerprint information can perform payment operations, or can only complete payment operations below a certain amount, or can only perform payment operations after receiving the consent payment instruction from the associated mobile phone, and so on.

Preferably, the operation authority of the first user mode is higher than that of the second user mode. If the mobile terminal receives payment authority adjustment information for the second user mode in the first user mode, the mobile terminal adjusts and forms a new payment authority for the second user mode.

Step 203, when the mobile terminal performs a payment operation in the second user mode, detect whether the mobile terminal has payment authority in the second user mode.

In the embodiment of the present invention, the second user mode is a mobile terminal mode for a specific user, and certain application operation permissions thereof are limited, such as payment permissions. Therefore, if the mobile terminal receives payment operation information in the second user mode, it first needs to detect whether it has payment authority in the second user mode.

In a preferred embodiment of the present invention, the mobile terminal may include a user fingerprint database, and the step 203 may include:

When the mobile terminal receives a payment request in the second user mode, acquire fingerprint information of the current user;

Judging whether the fingerprint information of the current user has a matching item in the user fingerprint database;

If so, it is determined that the mobile terminal has payment authority in the second user mode;

If not, it is determined that the mobile terminal does not have payment authority in the second user mode.

In the embodiment of the present invention, when the mobile terminal performs a payment operation in the second user mode, it will generate a payment request, obtain the fingerprint information of the current user, and search whether there is a matching item in the user fingerprint database. If it exists, it can be determined that the mobile terminal has payment authority in the second user mode, and if it does not exist, it can be determined that the mobile terminal does not have payment authority in the second user mode.

In a preferred embodiment of the present invention, the payment request includes information such as the total payment amount.

The step 203 may also include: calculating whether the total payment amount is within a preset range of the total payment amount;

If yes, it is determined that the mobile terminal has obtained payment authority in the second user mode.

If yes, it means that the total payment amount is small (for example, less than 50 yuan), even if the payment is completed, it will not cause great economic losses, and children can buy some game props or school supplies, so the mobile terminal can be judged In the second user mode, it has payment authority and allows payment operations. By granting a small amount of payment authority, it can meet some simple needs of children and improve children's practical ability. For parents, it is only necessary to perform some simple operations when the total amount of payment is large. For children and For parents, the user experience is better.

In the embodiment of the present invention, it can be set as follows: when the user fingerprint information matches and the total payment amount is within the preset total payment amount range, these two conditions are met at the same time, it is considered that the mobile terminal is allowed to operate in the second user mode Carry out the payment operation. Of course, other conditions may also be set in practice, which is not limited in this embodiment of the present invention.

Step 204, when the mobile terminal does not have payment authority in the second user mode, the mobile terminal sends a payment authorization request to the associated terminal.

Step 205, receiving an authorization instruction fed back by the associated terminal for the payment authorization request.

Since the specific implementation of steps 204-step 205 in the second method embodiment is basically similar to the specific implementation of the aforementioned method embodiment 1, the description of steps 204-step 205 in this embodiment is not detailed, you can refer to Relevant descriptions in the aforementioned first embodiment will not be repeated here.

Step 206, the mobile terminal obtains payment authority in the second user mode.

In a preferred embodiment of the present invention, the authorization instruction may include associated fingerprint information, and the step 206 may also include:

identifying associated fingerprint information in the authorization instruction;

Extracting the associated fingerprint information;

When the associated fingerprint information matches the preset fingerprint information, the mobile terminal obtains payment authority in the second user mode.

In the embodiment of the present invention, preset fingerprint information is pre-stored on the mobile terminal, and if the associated fingerprint information included in the authorization instruction fed back by the associated terminal matches the preset fingerprint information, the mobile terminal may be authorized to operate in the second user mode. Under the payment permission, temporary payment operations are allowed.

In the application embodiment of the present invention, parents save their own fingerprint information in advance on the mobile terminal. When a child purchases a game item in the child mode and sends a payment authorization request to the associated terminal; if the parent allows the purchase, he can enter his own fingerprint information on the associated terminal, and the associated terminal will embed the fingerprint information into the authorization instruction and give feedback For the mobile terminal, the mobile terminal in the children's mode recognizes the fingerprint data of the parent, judges whether it matches the fingerprint data of the parent stored in the machine, and if it matches, agrees to purchase. For parents, the operation is simple and convenient.

In a preferred embodiment of the present invention, the authorization instruction may also include payment authority change information, and the step 206 may include:

Identify the payment authority change information in the authorization instruction;

Extracting the payment authority change information;

The mobile terminal changes the payment authority in the second user mode.

In the embodiment of the present invention, the associated terminal can modify the payment authority of the second user mode, so that the payment amount in the second user mode is increased or decreased, and even payment in the second user mode is prohibited.

In this way, in the embodiment of the present invention, the user can adjust the payment operation authority in the second user mode through the associated terminal, so that the payment operation authority in the second user mode is more suitable for the actual payment needs of the current user and controlled within a reasonable range within, to avoid large economic losses.

It should be noted that, for the method embodiment, for the sake of simple description, it is expressed as a series of action combinations, but those skilled in the art should know that the embodiment of the present invention is not limited by the described action sequence, because According to the embodiment of the present invention, certain steps may be performed in other orders or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification belong to preferred embodiments, and the actions involved are not necessarily required by the embodiments of the present invention.

Embodiment three

Please refer to FIG. 3 , which is a structural block diagram of a mobile terminal 300 according to Embodiment 3 of the present invention.

A mobile terminal provided by an embodiment of the present invention, the mobile terminal includes a second user mode, the mobile terminal includes a payment authority detection module 301, a payment authorization request sending module 302, an authorization instruction receiving module 303 and a payment authority obtaining module 304 .

The payment authority detection module 301 is configured to detect whether the mobile terminal has payment authority in the second user mode when the mobile terminal performs a payment operation in the second user mode.

A payment authorization request sending module 302, configured to send a payment authorization request to an associated terminal when the mobile terminal does not have payment authority in the second user mode.

An authorization instruction receiving module 303, configured to receive an authorization instruction fed back by the associated terminal for the payment authorization request.

A payment authority obtaining module 304, configured for the mobile terminal to obtain payment authority in the second user mode.

Referring to Figure 3a, in a mobile terminal 300 according to an embodiment of the present invention, the mobile terminal includes a user fingerprint database, the payment authority detection module 301 includes a user fingerprint information acquisition submodule 3011, and a user fingerprint information matching submodule 3012 , the first payment authorization determination sub-module 3013 and the second payment authorization determination sub-module 3014.

The user fingerprint information acquisition sub-module 3011 is used to acquire the current user fingerprint information when the mobile terminal receives a payment request in the second user mode;

The user fingerprint information matching submodule 3012 is used to judge whether the current user fingerprint information has a matching item in the user fingerprint database; if so, call the first payment authority judgment submodule 3013, and if not, call the second payment authority judgment Submodule 3014;

The first payment authority determination submodule 3013 is used to determine that the mobile terminal has payment authority in the second user mode;

The second payment authority determination submodule 3014 is configured to determine that the mobile terminal does not have payment authority in the second user mode.

Referring to FIG. 3 b , in a mobile terminal 300 according to an embodiment of the present invention, the payment request includes a total payment amount, and the payment authority detection module 301 includes a total payment amount judgment submodule 3015 and a payment authority acquisition submodule 3016 .

The total payment amount judgment submodule 3015 is used to judge whether the total payment amount is within the preset total payment amount range, and if so, call the first payment authority acquisition submodule;

The first payment authorization obtaining sub-module 3016 is configured to determine that the mobile terminal obtains payment authorization in the second user mode.

Referring to Figure 3c, in a mobile terminal 300 according to an embodiment of the present invention, the authorization instruction includes associated fingerprint information, and the payment authority obtaining module 304 includes an associated fingerprint information extraction submodule 3041, an associated fingerprint information extraction submodule 3042 And the submodule 3043 of obtaining payment authority.

Associated fingerprint information extraction sub-module 3041, configured to identify the associated fingerprint information in the authorization instruction;

Associated fingerprint information extraction sub-module 3042, configured to extract the associated fingerprint information;

The second payment authority obtaining sub-module 3043 is configured to grant the mobile terminal payment authority in the second user mode when the associated fingerprint information matches the preset associated fingerprint information.

Referring to Figure 3d, in a mobile terminal 300 according to an embodiment of the present invention, the authorization instruction includes payment authority change information, the payment authority acquisition module 304 includes a payment authority change information identification submodule 3044, and the payment authority change information extraction Submodule 3045 and submodule 3046 for changing payment authority.

The payment authority change information identification sub-module 3044 is used to identify the payment authority change information of the authorization instruction;

The payment authority change information extraction sub-module 3045 is used to extract the payment authority change information;

The payment authority change sub-module 3046 is configured to use the payment authority change information to change the payment authority of the mobile terminal in the second user mode.

Referring to FIG. 3e , in a mobile terminal 300 according to an embodiment of the present invention, the mobile terminal further includes a first user mode, and the mobile terminal 300 may also include a payment restriction information acquisition module 305 and a payment authority formation module 306 .

A payment restriction information acquisition module 305, configured to obtain payment restriction information for the second user mode set by the mobile terminal in the first user mode;

A payment authority forming module 306, configured to form a payment authority in the second user mode of the mobile terminal.

In this way, in the embodiment of the present invention, when the mobile terminal performs a payment operation in the second user mode and detects that the mobile terminal does not have payment authority in the second user mode, a request for payment authorization is sent to the associated terminal. The authorization instruction fed back by the associated terminal can be used to grant the mobile terminal payment authority in the second user mode according to the authorization instruction, so that when the mobile terminal performs payment operations in the second user mode, only when it detects that it has payment authority, the user is allowed to Using the mobile terminal to perform payment operations can especially avoid economic losses caused by accidental touches when the user is a child.

As for the embodiment of the mobile terminal 300 , since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, refer to the part of the description of the method embodiment.

Embodiment four

FIG. 4 is a block diagram of a mobile terminal 700 according to another embodiment of the present invention.

Referring to FIG. 4 , the mobile terminal 700 includes: at least one processor 701 , a memory 702 , at least one network interface 704 and other user interfaces 703 . Various components in the mobile terminal 700 are coupled together through a bus system 705 . It can be understood that the bus system 705 is used to realize connection and communication between these components. In addition to the data bus, the bus system 705 also includes a power bus, a control bus and a status signal bus. However, for clarity of illustration, the various buses are labeled as bus system 705 in FIG. 4 .

Wherein, the user interface 703 may include a display, a keyboard or a pointing device (for example, a mouse, a trackball (trackball), a touch panel or a touch screen, and the like.

It can be understood that the memory 702 in the embodiment of the present invention may be a volatile memory or a nonvolatile memory, or may include both volatile and nonvolatile memories. Among them, the non-volatile memory can be read-only memory (Read-OnlyMemory, ROM), programmable read-only memory (ProgrammableROM, PROM), erasable programmable read-only memory (ErasablePROM, EPROM), electrically erasable Programming read-only memory (Electrically EPROM, EEPROM) or flash memory. The volatile memory may be random access memory (Random Access Memory, RAM), which acts as an external cache. By way of illustration and not limitation, many forms of RAM are available such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate Synchronous Dynamic Random Access Memory (DoubleDataRateSDRAM, DDRSDRAM), Enhanced Synchronous Dynamic Random Access Memory (Enhanced SDRAM, ESDRAM), Synchronous Connection Dynamic Random Access Memory (SynchlinkDRAM, SLDRAM) and Direct Memory Bus Random Access Memory (Direct Rambus RAM, DRRAM). The memory 702 of the systems and methods described in embodiments of the present invention is intended to include, but is not limited to, these and any other suitable types of memory.

In some implementations, the memory 702 stores the following elements, executable modules or data structures, or their subsets, or their extended sets: an operating system 7021 and an application program 7022 .

Among them, the operating system 7021 includes various system programs, such as framework layer, core library layer, driver layer, etc., for realizing various basic services and processing hardware-based tasks. The application program 7022 includes various application programs, such as a media player (MediaPlayer), a browser (Browser), etc., and is used to implement various application services. The program for realizing the method of the embodiment of the present invention may be included in the application program 7022 .

In the embodiment of the present invention, by calling the program or instruction stored in the memory 702, specifically, the program or instruction stored in the application program 7022, the processor 701 is configured to perform payment when the mobile terminal is in the second user mode During operation, detect whether the mobile terminal has payment authority in the second user mode; when the mobile terminal does not have payment authority in the second user mode, send a payment authorization request to the associated terminal; receive the associated terminal An authorization instruction for requesting feedback of the payment authorization; the mobile terminal obtains payment authority in the second user mode.

The methods disclosed in the foregoing embodiments of the present invention may be applied to the processor 701 or implemented by the processor 701 . The processor 701 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method may be completed by an integrated logic circuit of hardware in the processor 701 or instructions in the form of software. The above-mentioned processor 701 may be a general-purpose processor, a digital signal processor (Digital Signal Processor, DSP), an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), an off-the-shelf programmable gate array (Field Programmable Gate Array, FPGA) or other programmable logic devices, discrete gates Or transistor logic devices, discrete hardware components. Various methods, steps and logic block diagrams disclosed in the embodiments of the present invention may be implemented or executed. A general-purpose processor may be a microprocessor, or the processor may be any conventional processor, or the like. The steps of the methods disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module can be located in a mature storage medium in the field such as random access memory, flash memory, read-only memory, programmable read-only memory or electrically erasable programmable memory, register. The storage medium is located in the memory 702, and the processor 701 reads the information in the memory 702, and completes the steps of the above method in combination with its hardware.

It can be understood that the embodiments described in the embodiments of the present invention may be implemented by hardware, software, firmware, middleware, microcode or a combination thereof. For hardware implementation, the processing unit can be implemented in one or more application-specific integrated circuits (Application Specific Integrated Circuits, ASIC), digital signal processor (Digital Signal Processing, DSP), digital signal processing device (DSPDevice, DSPD), programmable logic device (ProgrammableLogicDevice, PLD ), Field-Programmable Gate Array (Field-Programmable GateArray, FPGA), general-purpose processor, controller, microcontroller, microprocessor, other electronic units for performing the functions described in this application, or a combination thereof.

For software implementation, the techniques described in the embodiments of the present invention may be implemented through modules (such as procedures, functions, etc.) that execute the functions described in the embodiments of the present invention. Software codes can be stored in memory and executed by a processor. Memory can be implemented within the processor or external to the processor.

Optionally, the processor 701 is further configured to: acquire current user fingerprint information when the mobile terminal receives a payment request in the second user mode; determine whether the current user fingerprint information has a matching item in the user fingerprint database ; If yes, it is determined that the mobile terminal has payment authority in the second user mode; if not, it is determined that the mobile terminal does not have payment authority in the second user mode.

Optionally, the processor 701 is further configured to: calculate whether the total payment amount is within a preset range of the total payment amount; if yes, determine that the mobile terminal has obtained payment authority in the second user mode.

Optionally, the processor 701 is further configured to: identify associated fingerprint information in the authorization instruction; extract the associated fingerprint information; when the associated fingerprint information matches the preset associated fingerprint information, the mobile terminal Obtain payment authority in the second user mode.

Optionally, the processor 701 is further configured to: identify associated fingerprint information in the authorization instruction; extract the associated fingerprint information; when the associated fingerprint information matches the preset associated fingerprint information, the mobile terminal Obtain payment authority in the second user mode.

Optionally, the processor 701 is further configured to: acquire the payment restriction information set by the mobile terminal in the first user mode for the second user mode; and form the payment authority in the second user mode of the mobile terminal.

In this way, in the embodiment of the present invention, when the mobile terminal performs a payment operation in the second user mode and detects that the mobile terminal does not have payment authority in the second user mode, a request for payment authorization is sent to the associated terminal. The authorization instruction fed back by the associated terminal can be used to grant the mobile terminal payment authority in the second user mode according to the authorization instruction, so that when the mobile terminal performs payment operations in the second user mode, only when it detects that it has payment authority, the user is allowed to Using the mobile terminal to perform payment operations can especially avoid economic losses caused by accidental touches when the user is a child.

The mobile terminal 700 can implement various processes implemented by the mobile terminal in the foregoing embodiments, and to avoid repetition, details are not repeated here.

Embodiment five

Fig. 5 is a schematic structural diagram of a mobile terminal according to another embodiment of the present invention. Specifically, the mobile terminal 800 in FIG. 5 may be a mobile phone, a tablet computer, a personal digital assistant (Personal Digital Assistant, PDA), or a vehicle-mounted computer.

Mobile terminal 800 in FIG.

Wherein, the input unit 830 can be used for receiving number or character information input by the user, and generating signal input related to the user setting and function control of the mobile terminal 800 . Specifically, in the embodiment of the present invention, the input unit 830 may include a touch panel 831 . The touch panel 831, also referred to as a touch screen, can collect user's touch operations on or near it (such as the user's operation on the touch panel 831 using any suitable object or accessory such as a finger or a stylus), and based on preset The specified program drives the corresponding connected device. Optionally, the touch panel 831 may include two parts, a touch detection device and a touch controller. Among them, the touch detection device detects the user's touch orientation, and detects the signal brought by the touch operation, and transmits the signal to the touch controller; the touch controller receives the touch information from the touch detection device, converts it into contact coordinates, and sends it to the to the processor 860, and can receive and execute commands sent by the processor 860. In addition, the touch panel 831 can be implemented in various types such as resistive, capacitive, infrared, and surface acoustic wave. In addition to the touch panel 831, the input unit 830 may also include other input devices 832, which may include but not limited to physical keyboards, function keys (such as volume control buttons, switch buttons, etc.), trackballs, mice, joysticks, etc. one or more of.

Wherein, the display unit 840 can be used to display information input by the user or information provided to the user and various menu interfaces of the mobile terminal 800 . The display unit 840 may include a display panel 841. Optionally, the display panel 841 may be configured in the form of an LCD or an organic light-emitting diode (Organic Light-Emitting Diode, OLED).

It should be noted that the touch panel 831 can cover the display panel 841 to form a touch display screen. When the touch display screen detects a touch operation on or near it, it is sent to the processor 860 to determine the type of the touch event, and then the processor The 860 provides corresponding visual output on the touch display screen according to the type of the touch event.

The touch display screen includes an application program interface display area and a common control display area. The arrangement of the display area of the application program interface and the display area of the commonly used controls is not limited, and may be an arrangement in which the two display areas can be distinguished, such as vertical arrangement, left-right arrangement, and the like. The application program interface display area can be used to display the interface of the application program. Each interface may include at least one interface element such as an icon of an application program and/or a widget desktop control. The application program interface display area can also be an empty interface without any content. The commonly used control display area is used to display controls with a high usage rate, for example, application icons such as setting buttons, interface numbers, scroll bars, and phonebook icons.

Wherein the processor 860 is the control center of the mobile terminal 800, utilizes various interfaces and lines to connect the various parts of the whole mobile phone, by running or executing the software programs and/or modules stored in the first memory 821, and calling the software programs and/or modules stored in the second memory 821. The data in the memory 822 executes various functions of the mobile terminal 800 and processes data, so as to monitor the mobile terminal 800 as a whole. Optionally, the processor 860 may include one or more processing units.

In the embodiment of the present invention, by calling the software programs and/or modules stored in the first memory 821 and/or the data in the second memory 822, the processor 860 is used to When performing a payment operation under the second user mode, detect whether the mobile terminal has payment authority in the second user mode; when the mobile terminal does not have payment authority in the second user mode, send a request for payment authorization to the associated terminal; receive the payment authorization An authorization instruction fed back by the associated terminal in response to the payment authorization request; the mobile terminal obtains payment authority in the second user mode.

The processor 860 is further configured to: acquire current user fingerprint information when the mobile terminal receives a payment request in the second user mode; determine whether the current user fingerprint information has a matching item in the user fingerprint database; , it is determined that the mobile terminal has payment authority in the second user mode; if not, it is determined that the mobile terminal does not have payment authority in the second user mode.

The processor 860 is further configured to: calculate whether the total payment amount is within a preset range of the total payment amount; if so, determine that the mobile terminal has obtained payment authority in the second user mode.

The processor 860 is further configured to: identify associated fingerprint information in the authorization instruction; extract the associated fingerprint information; when the associated fingerprint information matches the preset associated fingerprint information, the mobile terminal Obtain payment permission in user mode.

The processor 860 is further configured to: identify the payment authority change information of the authorization instruction; extract the payment authority change information; and change the payment authority of the mobile terminal in the second user mode.

The processor 860 is also configured to: obtain the payment restriction information set by the mobile terminal in the first user mode for the second user mode; the mobile terminal forms a payment authority in the second user mode. In this way, the implementation of the present invention For example, when the mobile terminal performs payment operations in the second user mode and detects that the mobile terminal does not have payment authority in the second user mode, it sends a request for payment authorization to the associated terminal. If the authorization fed back by the associated terminal is received Instructions, the mobile terminal can be authorized to have payment authority in the second user mode according to the authorization instruction, so that when the mobile terminal performs payment operations in the second user mode, only when it detects that it has payment authority, the user is allowed to use the mobile terminal. The payment operation can especially avoid economic losses caused by accidental touches when the user is a child.

As for the embodiment of the mobile terminal 800, since it is basically similar to the method embodiment, the description is relatively simple, and for relevant parts, refer to the part of the description of the method embodiment.

Those of ordinary skill in the art can appreciate that the units and algorithm steps of the examples described in conjunction with the embodiments disclosed in the embodiments of the present invention can be implemented by electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are executed by hardware or software depends on the specific application and design constraints of the technical solution. Skilled artisans may use different methods to implement the described functions for each specific application, but such implementation should not be regarded as exceeding the scope of the present invention.

Those skilled in the art can clearly understand that for the convenience and brevity of the description, the specific working process of the above-described system, device and unit can refer to the corresponding process in the foregoing method embodiment, which will not be repeated here.

In the embodiments provided in this application, it should be understood that the disclosed devices and methods may be implemented in other ways. For example, the device embodiments described above are only illustrative. For example, the division of the units is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components can be combined or May be integrated into another system, or some features may be ignored, or not implemented. In another point, the mutual coupling or direct coupling or communication connection shown or discussed may be through some interfaces, and the indirect coupling or communication connection of devices or units may be in electrical, mechanical or other forms.

The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Part or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, each unit may exist separately physically, or two or more units may be integrated into one unit.

If the functions described above are realized in the form of software function units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the essence of the technical solution of the present invention or the part that contributes to the prior art or the part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including Several instructions are used to make a computer device (which may be a personal computer, a server, or a network device, etc.) execute all or part of the steps of the methods described in various embodiments of the present invention. The aforementioned storage medium includes: various media capable of storing program codes such as U disk, mobile hard disk, ROM, RAM, magnetic disk or optical disk.

The above is only a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Anyone skilled in the art can easily think of changes or substitutions within the technical scope disclosed in the present invention. Should be covered within the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims (12)

1. a kind of method of mobile terminal payment mandate, it is characterised in that the mobile terminal includes second user pattern, described Method includes：

When the mobile terminal carries out delivery operation under second user pattern, detect the mobile terminal in second user mould Whether there is obligation authority under formula；

When the mobile terminal does not have obligation authority under second user pattern, asking for payment authorization is sent to associated terminal Ask；

Receive authorized order of the associated terminal for the request feedback of the payment authorization；

The mobile terminal obtains obligation authority under second user pattern.

2. method according to claim 1, it is characterised in that the mobile terminal includes user fingerprints database, described Detect that the mobile terminal includes the step of whether there is obligation authority under second user pattern：

When the mobile terminal receives payment request under second user pattern, active user's finger print information is obtained；

Judge whether active user's finger print information has occurrence in user fingerprints database；

If so, then it is judged to, in the mobile terminal, there is under second user pattern obligation authority；

If it is not, being then judged to, in the mobile terminal, there is no under second user pattern obligation authority.

3. method according to claim 2, it is characterised in that the payment request includes payment total amount, the detection The step of whether mobile terminal has obligation authority under second user pattern, also includes：

Whether the calculating payment total amount is within the scope of default payment total amount；

If so, then judge that the mobile terminal obtains obligation authority under second user pattern.

4. method according to claim 1, it is characterised in that the authorized order includes associating finger print information, the shifting The step of dynamic terminal obtains obligation authority under second user pattern includes：

Recognize the association finger print information in the authorized order；

Extract the association finger print information；

Finger print information is associated with preset when associating finger print information coupling when described, the mobile terminal is under second user pattern Obtain obligation authority.

5. method according to claim 1, it is characterised in that the authorized order includes obligation authority modification information, institute Stating the step of mobile terminal obtains obligation authority under second user pattern includes：

Recognize the obligation authority modification information of the authorized order；

Extract the obligation authority modification information；

The mobile terminal changes obligation authority under second user pattern.

6. method according to claim 1, it is characterised in that the mobile terminal also includes first user pattern, described Method also includes：

Obtain the payment restricted information for second user pattern that the mobile terminal is arranged under first user pattern；

The mobile terminal forms obligation authority under second user pattern.

7. a kind of mobile terminal, it is characterised in that the mobile terminal includes that second user pattern, the mobile terminal include：

Obligation authority detection module, for when the mobile terminal carries out delivery operation under second user pattern, detecting institute State whether mobile terminal has obligation authority under second user pattern；

Payment authorization request sending module, for when the mobile terminal under second user pattern not have obligation authority when, To the request that associated terminal sends payment authorization；

Authorized order receiver module, refers to for the mandate of the request feedback of the payment authorization for receiving the associated terminal Order；

Obligation authority obtains module, obtains obligation authority for the mobile terminal under second user pattern.

8. mobile terminal according to claim 7, it is characterised in that the mobile terminal includes user fingerprints database, The obligation authority detection module includes：

User fingerprints information acquisition submodule, for receiving payment request when the mobile terminal under second user pattern When, obtain active user's finger print information；

Whether user fingerprints information matched sub-block, for judging active user's finger print information in user fingerprints database There is occurrence；If so, the first obligation authority decision sub-module is then called, if it is not, then calling the second obligation authority to judge submodule Block；

First obligation authority decision sub-module, for being judged to, in the mobile terminal, there is under second user pattern Authority TO Pay Limit；

Second obligation authority decision sub-module, pays for being judged to not have under second user pattern in the mobile terminal Authority.

9. mobile terminal according to claim 8, it is characterised in that the payment request includes payment total amount, described Obligation authority detection module includes：

Pay total amount judging submodule, for calculate the payment total amount whether default payment total amount scope it Interior；If so, the first obligation authority is then called to obtain submodule；

First obligation authority obtains submodule, for judging that the mobile terminal obtains obligation authority under second user pattern.

10. mobile terminal according to claim 7, it is characterised in that the authorized order includes associating finger print information, institute Stating obligation authority acquisition module includes：

Association finger print information extracting sub-module, for recognizing the association finger print information in the authorized order；

Association finger print information extracting sub-module, for extracting the association finger print information；

Second obligation authority obtains submodule, for when the association finger print information with preset associate finger print information and mate when, The mobile terminal obtains obligation authority under second user pattern.

11. mobile terminals according to claim 7, it is characterised in that the authorized order includes obligation authority change letter Breath, the obligation authority obtains module to be included：

Obligation authority modification information recognizes submodule, for recognizing the obligation authority modification information of the authorized order；

Obligation authority Change information Obtainment submodule, for extracting the obligation authority modification information；

Obligation authority changes submodule, uses second for using the obligation authority modification information, changing the mobile terminal Obligation authority under the pattern of family.

12. mobile terminals according to claim 7, it is characterised in that the mobile terminal also includes first user pattern, The mobile terminal also includes：

Pay restricted information acquisition module, for obtain the mobile terminal first user pattern arrange for second user The payment restricted information of pattern；

Obligation authority forms module, forms obligation authority for the mobile terminal under second user pattern.