CN109087089B - Payment method, payment device and terminal equipment - Google Patents
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- CN109087089B CN109087089B CN201810923918.1A CN201810923918A CN109087089B CN 109087089 B CN109087089 B CN 109087089B CN 201810923918 A CN201810923918 A CN 201810923918A CN 109087089 B CN109087089 B CN 109087089B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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Abstract
本申请适用于通信技术领域，提供了一种支付方法、支付装置及终端设备，包括：在接收到支付请求时，获取所述移动终端当前的地理位置；判断所述移动终端当前的地理位置是否在预设支付区域内；若所述移动终端当前的地理位置在预设支付区域内，则对所述支付请求进行支付处理。通过上述方法，能够对支付地点进行限定，进而实现对支付行为的有效管理。
The present application is applicable to the field of communication technologies, and provides a payment method, a payment device and a terminal device, including: when a payment request is received, acquiring the current geographic location of the mobile terminal; determining whether the current geographic location of the mobile terminal is within the preset payment area; if the current geographic location of the mobile terminal is within the preset payment area, the payment processing is performed on the payment request. Through the above method, the payment location can be limited, thereby realizing the effective management of the payment behavior.
Description
Technical Field
The present application relates to the field of communications technologies, and in particular, to a payment method, a payment apparatus, and a terminal device.
Background
The on-line payment is popular with people due to the advantages of convenient and fast payment. People of various ages can shop through an online payment mode (such as WeChat payment, Payment treasure payment or Unionpay payment) by using the networked mobile terminal.
At present, online payment can be carried out anytime and anywhere, and the payment place cannot be limited. For example, when a child pays in an internet cafe or the like, the parent cannot limit the payment. The payment behavior can not be effectively managed through the existing payment mode.
Disclosure of Invention
In view of this, embodiments of the present application provide a payment method, a payment apparatus, and a terminal device, so as to solve the problem that a payment location cannot be defined in the prior art.
A first aspect of an embodiment of the present application provides a payment method, including:
when a payment request is received, acquiring the current geographic position of the mobile terminal;
judging whether the current geographic position of the mobile terminal is in a preset payment area or not;
and if the current geographic position of the mobile terminal is in a preset payment area, performing payment processing on the payment request.
A second aspect of an embodiment of the present application provides a payment apparatus, including:
the acquisition unit is used for acquiring the current geographic position of the mobile terminal when a payment request is received;
the judging unit is used for judging whether the current geographic position of the mobile terminal is in a preset payment area or not;
and the payment unit is used for performing payment processing on the payment request if the current geographic position of the mobile terminal is in a preset payment area.
A third aspect of an embodiment of the present application provides a terminal device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the method provided in the first aspect of the embodiment of the present application when executing the computer program.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium storing a computer program which, when executed by one or more processors, performs the steps of the method provided by the first aspect of embodiments of the present application.
Compared with the prior art, the embodiment of the application has the advantages that:
in the embodiment of the application, when a payment request is received, the current geographical position of the mobile terminal is obtained, whether the current geographical position of the mobile terminal is in a preset payment area or not is judged, and if yes, payment processing is carried out. By the method, the payment place can be limited, and effective management of payment behaviors is further realized.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a schematic flow chart of an implementation of a payment method provided in an embodiment of the present application;
fig. 2 is a schematic flow chart illustrating an implementation of a method for determining whether a current geographic location of a mobile terminal is within a preset payment area according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a payment device provided in an embodiment of the present application;
fig. 4 is a schematic diagram of a terminal device provided in an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the present application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in the specification of the present application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.
Fig. 1 is a schematic flow chart of an implementation process of a payment method provided in an embodiment of the present application, and as shown in the figure, the method may include the following steps:
step S101, when a payment request is received, the current geographic position of the mobile terminal is obtained.
And when receiving a payment request of an external terminal, a processor in the mobile terminal acquires the current geographic position of the mobile terminal. The mobile terminal may be a terminal device with a payment function, such as a mobile phone, an iPad, and the like. The mobile terminal can be internally provided with a positioning device such as a GPS and the like, and the current geographic position of the mobile terminal is obtained through the positioning device.
And step S102, judging whether the current geographic position of the mobile terminal is in a preset payment area.
The preset payment region may be preset by the user. For example, the parent sets the mobile terminal of the child, and sets the preset payment area to be in the school. When a child pays by using the mobile terminal, the mobile terminal needs to judge whether the current geographic position is in a school or not. Here, the preset payment area is just an example, and may be a geographical area, a certain place, a certain type of business, or a specified business.
Referring to fig. 2, fig. 2 is a schematic flow chart illustrating an implementation of the method for determining whether the current geographic location of the mobile terminal is within the preset payment area according to the embodiment of the present application. As shown, in one embodiment, step S102 may include the steps of:
step S201, obtaining preset merchant information in the preset payment area, and obtaining merchant information corresponding to the current geographic location of the mobile terminal.
In practical application, the merchants in the preset payment area can be preset as preset merchants, and the user can only pay for the preset merchants in the preset payment area.
Step S202, judging whether the merchant information corresponding to the current geographic position of the mobile terminal is matched with the preset merchant information.
When the current geographic position of the mobile terminal is judged to be in the preset payment area, whether a commercial tenant corresponding to the current geographic position is matched with a preset commercial tenant can be judged.
Step S203, if the merchant information corresponding to the current geographic position of the mobile terminal matches the preset merchant information, determining that the current geographic position of the mobile terminal is within a preset payment area.
Optionally, the preset merchant information includes a merchant type.
The merchant information corresponding to the current geographic position of the mobile terminal comprises merchant types.
The expression form of the merchant type can be keywords of a hospital, a supermarket, a convenience store, a shopping mall, the entertainment industry and the like, and can also be a merchant category code (MCC code), for example, 5812 represents the catering industry, 7011 represents the hotel accommodation industry and the like.
When the preset payment area is a certain type of merchant, correspondingly, the determining whether the merchant information corresponding to the current geographic location of the mobile terminal matches the preset merchant information includes:
and judging whether the merchant type of the preset merchant information contains the merchant type in the merchant information corresponding to the current geographic position of the mobile terminal.
And if the merchant type of the preset merchant information comprises the merchant type in the merchant information corresponding to the current geographic position of the mobile terminal, judging that the current geographic position of the mobile terminal is in a preset payment area.
For example, assuming that the merchant type corresponding to the current geographic location of the mobile terminal is entertainment industry, and the merchant type of the preset merchant information does not include entertainment industry, the current geographic location of the mobile terminal is not in the preset payment area, and payment cannot be performed.
Assuming that the merchant type corresponding to the current geographic location of the mobile terminal is 5812, and the merchant type of the preset merchant information includes 5812, the current geographic location of the mobile terminal is within a preset payment area, and payment can be performed.
Optionally, the preset merchant information further includes a merchant name.
The merchant information corresponding to the current geographic position of the mobile terminal also comprises a merchant name.
When the preset payment area is a specific merchant, correspondingly, the determining whether the merchant information corresponding to the current geographic location of the mobile terminal matches the preset merchant information further includes:
and judging whether the merchant name of the preset merchant information contains the merchant name in the merchant information corresponding to the current geographic position of the mobile terminal.
And if the merchant name of the preset merchant information comprises the merchant name in the merchant information corresponding to the current geographic position of the mobile terminal, judging that the current geographic position of the mobile terminal is in a preset payment area.
For example, assuming that the merchant name in the merchant information corresponding to the current geographic location of the mobile terminal is a persistent supermarket, and the merchant name of the preset merchant information includes the persistent supermarket, the current geographic location of the mobile terminal is in a preset payment area, and payment can be performed.
The predetermined payment range defined by the determination using the merchant name is more specific than the determination using the merchant type. In practical application, the preset payment area can be set according to actual needs.
In addition, the merchant information corresponding to the current geographic location of the mobile terminal may be obtained through the merchant information included in the received payment request.
And step S103, if the current geographic position of the mobile terminal is in a preset payment area, performing payment processing on the payment request.
In one embodiment, after determining whether the current geographic location of the mobile terminal is within the preset payment area S102, the method further includes:
and if the current position is not in the preset payment area, sending a preset message to a preset terminal.
The preset message may be preset, and the preset message may be used to send the payment state and the geographic position not in the preset payment area to the user of the preset terminal, so that the user of the preset terminal can monitor the payment behavior of the user of the mobile terminal in real time. The preset terminal can be a mobile phone, an iPad, a computer and other terminal equipment.
Optionally, the sending the preset message to the preset terminal includes:
and packaging the current geographic position of the mobile terminal and a preset prompt statement into a preset message.
And acquiring the identification card number of the preset terminal, and sending the preset message to the preset terminal according to the identification card number.
When the preset terminal is a mobile phone, the identification card number is an SIM card number; when the preset terminal is a computer, the identification card number is an MAC address. In practical application, the preset message may also be sent to a certain account of the application program, and a user of the preset terminal may monitor the payment behavior of the mobile device through the application program.
For example, when the mobile device does not receive the payment request in the preset payment area, and it is determined that the current geographic location is not in the preset payment area, a preset message is sent to the preset terminal, that is, "payment non-permitted behavior currently occurs in the XX location". XX denotes a certain geographical location. Here, this is just an example, and the content of the preset message is not specifically limited.
In one embodiment, the method further comprises:
and when an updating request for updating the preset payment area is received, acquiring a password input by a user.
And if the password is consistent with a preset password, acquiring the setting information corresponding to the updating request.
And updating the preset payment area according to the setting information.
In practical application, a user with authority can update the preset payment area at any time. For example, the parent knows the update password of the mobile device with the update authority, so the parent can update the preset payment area. However, the child does not have the updating right and does not know the updating password of the mobile device, so that the child only has the use right, namely, the child can only pay in the preset payment area and cannot update the preset payment area.
In the embodiment of the application, when a payment request is received, the current geographical position of the mobile terminal is obtained, whether the current geographical position of the mobile terminal is in a preset payment area or not is judged, and if yes, payment processing is carried out. By the method, the payment place can be limited, and effective management of payment behaviors is further realized.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.
Fig. 3 is a schematic diagram of a payment device provided in an embodiment of the present application, and for convenience of description, only a part related to the embodiment of the present application is shown.
The payment apparatus shown in fig. 3 may be a software unit, a hardware unit, or a combination of software and hardware unit built in the existing terminal device, or may be integrated into the terminal device as an independent pendant, or may exist as an independent terminal device.
The payment apparatus 3 includes:
an obtaining unit 31, configured to obtain a current geographic location of the mobile terminal when the payment request is received.
The determining unit 32 is configured to determine whether the current geographic location of the mobile terminal is within a preset payment area.
And the payment unit 33 is configured to perform payment processing on the payment request if the current geographic position of the mobile terminal is within a preset payment area.
Optionally, the determining unit 32 includes:
and the acquisition module is used for acquiring preset merchant information in the preset payment area and acquiring merchant information corresponding to the current geographic position of the mobile terminal.
And the judging module is used for judging whether the merchant information corresponding to the current geographic position of the mobile terminal is matched with the preset merchant information.
And the result module is used for judging that the current geographical position of the mobile terminal is in a preset payment area if the merchant information corresponding to the current geographical position of the mobile terminal is matched with the preset merchant information.
Optionally, the preset merchant information includes a merchant type.
The merchant information corresponding to the current geographic position of the mobile terminal comprises merchant types.
The judging module comprises:
and the first judging submodule is used for judging whether the merchant type of the preset merchant information contains the merchant type in the merchant information corresponding to the current geographic position of the mobile terminal.
And the first result sub-module is used for judging that the current geographical position of the mobile terminal is in a preset payment area if the merchant type of the preset merchant information comprises the merchant type in the merchant information corresponding to the current geographical position of the mobile terminal.
Optionally, the preset merchant information further includes a merchant name.
The merchant information corresponding to the current geographic position of the mobile terminal also comprises a merchant name.
The judging module further comprises:
and the second judging submodule is used for judging whether the merchant name of the preset merchant information contains the merchant name in the merchant information corresponding to the current geographic position of the mobile terminal.
And the second result sub-module is used for judging that the current geographical position of the mobile terminal is in the preset payment area if the merchant name of the preset merchant information comprises the merchant name in the merchant information corresponding to the current geographical position of the mobile terminal.
Optionally, the apparatus 3 further comprises:
a sending unit 34, configured to send a preset message to a preset terminal if the current location is not within the preset payment area after determining whether the current geographic location of the mobile terminal is within the preset payment area.
Optionally, the sending unit 34 includes:
and the packaging module is used for packaging the current geographic position of the mobile terminal and a preset prompt statement into a preset message.
And the sending module is used for acquiring the identification card number of the preset terminal and sending the preset message to the preset terminal according to the identification card number.
Optionally, the apparatus 3 further comprises:
and the password acquisition unit is used for acquiring the password input by the user when receiving an updating request for updating the preset payment area.
And the setting information acquisition unit is used for acquiring the setting information corresponding to the updating request if the password is consistent with a preset password.
And the updating unit is used for updating the preset payment area according to the setting information.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
Fig. 4 is a schematic diagram of a terminal device provided in an embodiment of the present application. As shown in fig. 4, the terminal device 4 of this embodiment includes: a processor 40, a memory 41 and a computer program 42 stored in said memory 41 and executable on said processor 40. The processor 40, when executing the computer program 42, implements the steps in the various payment method embodiments described above, such as the steps S101 to S103 shown in fig. 1. Alternatively, the processor 40, when executing the computer program 42, implements the functions of the modules/units in the above-mentioned device embodiments, such as the functions of the modules 31 to 34 shown in fig. 3.
Illustratively, the computer program 42 may be partitioned into one or more modules/units that are stored in the memory 41 and executed by the processor 40 to accomplish the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program 42 in the terminal device 4. For example, the computer program 42 may be divided into an acquisition unit, a judgment unit, and a payment unit, and each unit specifically functions as follows:
and the acquisition unit is used for acquiring the current geographic position of the mobile terminal when the payment request is received.
And the judging unit is used for judging whether the current geographic position of the mobile terminal is in a preset payment area.
And the payment unit is used for performing payment processing on the payment request if the current geographic position of the mobile terminal is in a preset payment area.
Optionally, the determining unit includes:
and the acquisition module is used for acquiring preset merchant information in the preset payment area and acquiring merchant information corresponding to the current geographic position of the mobile terminal.
And the judging module is used for judging whether the merchant information corresponding to the current geographic position of the mobile terminal is matched with the preset merchant information.
And the result module is used for judging that the current geographical position of the mobile terminal is in a preset payment area if the merchant information corresponding to the current geographical position of the mobile terminal is matched with the preset merchant information.
Optionally, the preset merchant information includes a merchant type.
The merchant information corresponding to the current geographic position of the mobile terminal comprises merchant types.
The judging module comprises:
and the first judging submodule is used for judging whether the merchant type of the preset merchant information contains the merchant type in the merchant information corresponding to the current geographic position of the mobile terminal.
And the first result sub-module is used for judging that the current geographical position of the mobile terminal is in a preset payment area if the merchant type of the preset merchant information comprises the merchant type in the merchant information corresponding to the current geographical position of the mobile terminal.
Optionally, the preset merchant information further includes a merchant name.
The merchant information corresponding to the current geographic position of the mobile terminal also comprises a merchant name.
The judging module further comprises:
and the second judging submodule is used for judging whether the merchant name of the preset merchant information contains the merchant name in the merchant information corresponding to the current geographic position of the mobile terminal.
And the second result sub-module is used for judging that the current geographical position of the mobile terminal is in the preset payment area if the merchant name of the preset merchant information comprises the merchant name in the merchant information corresponding to the current geographical position of the mobile terminal.
Optionally, the apparatus further comprises:
and the sending unit is used for sending a preset message to the preset terminal if the current position is not in the preset payment area after judging whether the current geographical position of the mobile terminal is in the preset payment area.
Optionally, the sending unit includes:
and the packaging module is used for packaging the current geographic position of the mobile terminal and a preset prompt statement into a preset message.
And the sending module is used for acquiring the identification card number of the preset terminal and sending the preset message to the preset terminal according to the identification card number.
Optionally, the apparatus further comprises:
and the password acquisition unit is used for acquiring the password input by the user when receiving an updating request for updating the preset payment area.
And the setting information acquisition unit is used for acquiring the setting information corresponding to the updating request if the password is consistent with a preset password.
And the updating unit is used for updating the preset payment area according to the setting information.
The terminal device 4 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal device may include, but is not limited to, a processor 40, a memory 41. Those skilled in the art will appreciate that fig. 4 is merely an example of a terminal device 4 and does not constitute a limitation of terminal device 4 and may include more or fewer components than shown, or some components may be combined, or different components, e.g., the terminal device may also include input-output devices, network access devices, buses, etc.
The Processor 40 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 41 may be an internal storage unit of the terminal device 4, such as a hard disk or a memory of the terminal device 4. The memory 41 may also be an external storage device of the terminal device 4, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 4. Further, the memory 41 may also include both an internal storage unit and an external storage device of the terminal device 4. The memory 41 is used for storing the computer program and other programs and data required by the terminal device. The memory 41 may also be used to temporarily store data that has been output or is to be output.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow in the method of the embodiments described above can be realized by a computer program, which can be stored in a computer-readable storage medium and can realize the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain other components which may be suitably increased or decreased as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media which may not include electrical carrier signals and telecommunications signals in accordance with legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
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| CN109741072A (en) * | 2019-01-08 | 2019-05-10 | 广东小天才科技有限公司 | Mobile payment method, monitoring terminal, monitored terminal and readable storage medium |
| CN110889689A (en) * | 2019-12-16 | 2020-03-17 | 中国建设银行股份有限公司 | Transaction request processing method and device, electronic equipment and readable storage medium |
| CN112163852B (en) * | 2020-09-29 | 2024-04-16 | 陈旺新 | Mobile payment method, system, device and storage medium |
| CN115700622A (en) * | 2021-07-21 | 2023-02-07 | 上海擎感智能科技有限公司 | Booth management method, system, apparatus and medium |
| CN117236960A (en) * | 2023-11-13 | 2023-12-15 | 北京联云天下科技有限公司 | Payment method, system, equipment and storage medium |
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