CN109409870A - Safe payment method and device and user terminal - Google Patents
Safe payment method and device and user terminal Download PDFInfo
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- CN109409870A CN109409870A CN201811315386.XA CN201811315386A CN109409870A CN 109409870 A CN109409870 A CN 109409870A CN 201811315386 A CN201811315386 A CN 201811315386A CN 109409870 A CN109409870 A CN 109409870A
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- payment
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention is applicable to the technical field of electronic payment, and provides a safe payment method, a device and a user terminal, wherein when payment request information is received, the user terminal establishes a first connection with a receiving terminal, the first connection is a Near Field Communication (NFC) connection, first payment information corresponding to the payment request information in the receiving terminal is obtained through the first connection, the first payment information is sent to a mobile terminal bound with the user terminal through a second connection, payment response information sent by the mobile terminal through the second connection is received, corresponding payment operation is completed according to the payment response information, the user terminal obtains the first payment information of the receiving terminal through the NFC connection instead of using the payment information directly obtained in the payment process, and the payment behavior is controlled through the mobile terminal bound with the user terminal, so that economic loss possibly caused by a two-dimensional code with virus is avoided, the safety of payment is improved.
Description
Technical field
The invention belongs to e-payment technical field more particularly to a kind of safe payment methods, device and user terminal.
Background technique
With the development of intelligent terminal micromation manufacturing technology, with smartwatch, intelligent eyes, Intelligent bracelet, Intellgent Ear
Machine gradually incorporates in people's lives for the intelligent wearable device of representative, and with universal, the existing intelligence of e-payment
Wearable device also has electronic payment function, in order to which people can enjoy the convenience of e-payment whenever and wherever possible.
The barcode scanning payment of intelligent terminal has become a kind of very universal means of payment at present, deeply welcomed by the people, so
And some security risks are also produced in barcode scanning payment process, than the gathering two dimensional code of businessman is replaced with if any criminal
Virulent two dimensional code brings loss to the economy of people.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of safe payment method, device and user terminal, it is existing to solve
The lower problem of barcode scanning payment safety.
The first aspect of the embodiment of the present invention provides a kind of safe payment method, comprising:
When receiving payment request information, user terminal foundation is connect with the first of cash receiving terminal, first connection
For near-field communication NFC connection；
The user terminal is obtained opposite with the payment request information in the cash receiving terminal by first connection
The first payment information answered；
First payment information is sent to and user terminal binding by the user terminal by the second connection
Mobile terminal；
The user terminal receives the payment response information that the mobile terminal is sent by the second connection, and according to payment
Response message completes corresponding delivery operation.
The second aspect of the embodiment of the present invention provides a kind of secure payment device, comprising:
First connection establishment unit, for establishing and being connect with the first of cash receiving terminal when receiving payment request information,
Described first is connected as near-field communication NFC connection.
First payment information acquiring unit is used to obtain by first connection in the cash receiving terminal and the payment
Corresponding first payment information of solicited message.
Payment information transmission unit, it is whole with the user for being sent to first payment information by the second connection
Hold the mobile terminal of binding.
Payment processing unit, the payment response information sent for receiving the mobile terminal by the second connection, and root
Corresponding delivery operation is completed according to payment response information.
The third aspect of the embodiment of the present invention provides a kind of user terminal, comprising:
Memory, processor and storage are in the memory and the computer journey that can run on the processor
Sequence, wherein the processor realizes the safety support that the first aspect of the embodiment of the present invention provides when executing the computer program
The step of method of paying.
Wherein, the computer program includes:
First connection establishment unit, for establishing and being connect with the first of cash receiving terminal when receiving payment request information,
Described first is connected as near-field communication NFC connection.
First payment information acquiring unit is used to obtain by first connection in the cash receiving terminal and the payment
Corresponding first payment information of solicited message.
Payment information transmission unit, it is whole with the user for being sent to first payment information by the second connection
Hold the mobile terminal of binding.
Payment processing unit, the payment response information sent for receiving the mobile terminal by the second connection, and root
Corresponding delivery operation is completed according to payment response information.
The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, wherein the first of the embodiment of the present invention is realized when the computer program is executed by processor
The step of safe payment method that aspect provides.
Wherein, the computer program includes:
First connection establishment unit, for establishing and being connect with the first of cash receiving terminal when receiving payment request information,
Described first is connected as near-field communication NFC connection.
First payment information acquiring unit is used to obtain by first connection in the cash receiving terminal and the payment
Corresponding first payment information of solicited message.
Payment information transmission unit, it is whole with the user for being sent to first payment information by the second connection
Hold the mobile terminal of binding.
Payment processing unit, the payment response information sent for receiving the mobile terminal by the second connection, and root
Corresponding delivery operation is completed according to payment response information.
Existing beneficial effect is the embodiment of the present invention compared with prior art: by receiving payment request information
When, user terminal foundation connect with the first of cash receiving terminal, this first is connected as near-field communication NFC connection, and passes through the first company
It obtains and takes the first payment information corresponding with payment request information in cash receiving terminal, then first is being paid the bill by the second connection
Information is sent to after the mobile terminal of user terminal binding, and reception mobile terminal connects the payment response sent letter by second
Breath completes corresponding delivery operation according to payment response information, and user terminal passes through first of cash receiving terminal acquired in NFC connection
Payment information, rather than using the payment information being directly obtained in payment process, and the movement by being bound with user terminal
Terminal controls payment behavior, avoids the economic loss that viruliferous two dimensional code may cause, improves the peace of payment
Quan Xing.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of implementation flow chart of safe payment method provided in an embodiment of the present invention；
Fig. 2 is that a kind of user terminal provided in an embodiment of the present invention is established and the reality of the first method connecting of cash receiving terminal
Existing flow chart；
Fig. 3 is that another user terminal provided in an embodiment of the present invention is established and the first method connecting of cash receiving terminal
Specific implementation flow chart；
Fig. 4 is a kind of specific implementation flow for judging method that whether payment information matches provided in an embodiment of the present invention
Figure；
Fig. 5 is the specific implementation flow for the method that a kind of transmission provided in an embodiment of the present invention can pay prompt information
Figure；
Fig. 6 is a kind of schematic diagram of secure payment device provided in an embodiment of the present invention；
Fig. 7 is a kind of schematic diagram of user terminal provided in an embodiment of the present invention.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, system, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.Referring to FIG. 1,
Fig. 1 shows a kind of implementation process of safe payment method provided in an embodiment of the present invention, and details are as follows:
In step s101, when receiving payment request information, user terminal foundation is connect with the first of cash receiving terminal,
Described first is connected as near-field communication NFC connection.
In embodiments of the present invention, payment request information referred herein is that barcode scanning application program carries out barcode scanning to two dimensional code
Payment request information generated when operation.When user carries out barcode scanning operation using the user terminal, user terminal can be received
Payment request information generated is operated to based on the barcode scanning.
Herein, user terminal has the smart machine of NFC payment function, which includes but is not limited to
The intelligent terminals such as smart phone wrist-watch, smart phone, IPad.Cash receiving terminal is the various equipment with gathering functions, such as POS
Machine.
Herein, user terminal is when receiving payment request information, to the cash receiving terminal of the two dimensional code belonging positions
NFC connection request is initiated, establishes NFC connection to obtain the first payment corresponding with the payment request information in the cash receiving terminal
Information.
First in the first payment information referred herein has no particular meaning, is only and the second payment information hereinafter
It distinguishes.
Optionally, referring to FIG. 2, Fig. 2 shows a kind of user terminals provided in an embodiment of the present invention to establish with gathering eventually
The specific implementation flow of the method for first connection at end, details are as follows:
In step s 201, when receiving payment request information, the user terminal sends the to the cash receiving terminal
One connectivity request message.
In embodiments of the present invention, when receiving payment request information, user terminal opens NFC function, scans its week
The cash receiving terminal in range is enclosed, and after recognizing corresponding cash receiving terminal according to the payment request information, to gathering end
End sends NFC connectivity request message, in order to establish NFC connection between the two, so that user terminal can be got
The first payment information corresponding with the payment request information in the cash receiving terminal.
In step S202, whether the user terminal judgement receives what the cash receiving terminal was sent within a preset time
First connection response information.
In embodiments of the present invention, by judging whether that receiving the first of cash receiving terminal transmission connects within a preset time
Whether response message is correct payment two dimensional code come the two dimensional code for determining that user currently carries out barcode scanning payment, rather than has virus
Two dimensional code.
In step S203, when the first connection response information for receiving the cash receiving terminal transmission within a preset time
When, the user terminal foundation is connect with the first of the cash receiving terminal.
In embodiments of the present invention, in order to avoid the interference of other cash receiving terminals, and avoid barcode scanning to virulent two
Code is tieed up, if user terminal can receive the NFC connection response information of cash receiving terminal transmission, user terminal within a preset time
It has been successfully established and has been connect with the NFC of cash receiving terminal, and determined that the two dimensional code is correct two dimensional code, rather than virulent two dimension
Code.
In step S204, when the first connection response information for not receiving the cash receiving terminal transmission within a preset time
When, the user terminal sends suspicious payment prompt information.
In embodiments of the present invention, if the NFC that user terminal can receive cash receiving terminal transmission within a preset time connects
Response message is connect, then user terminal fails foundation and the NFC connection of cash receiving terminal, illustrates that user carries out the two of barcode scanning payment
Dimension code is likely to be containing virulent two dimensional code, and at this moment, user terminal sends suspicious payment prompt information to remind user to carry out
It is paid again after confirmation or user terminal while forbidding responding received payment request information.
Herein, user terminal, which sends suspicious payment prompt information, can send suspicious payment prompt information for user terminal
It is shown to its screen end or user terminal sends suspicious payment prompt information to its language play back system and plays out,
Or user terminal sends suspicious payment prompt information to the mobile terminal with user terminal binding, in order to the mobile terminal
It performs corresponding processing.
Optionally, referring to FIG. 3, Fig. 3 shows another user terminal foundation and gathering provided in an embodiment of the present invention
The specific implementation flow of the method for first connection of terminal, details are as follows:
In step S301, when receiving payment request information, the user terminal obtains its positioning being currently located
Information.
In step s 302, the user terminal matches the location information with preset position information, determines and uses
Whether family present position is to forbid paying venue location.
In embodiments of the present invention, preset position information is the pre-set venue location for forbidding payment or user
Terminal identified venue location for forbidding payment in payment process, i.e., greatly there may be the field of virulent two dimensional code
Institute position, or forbid due to other reasons the venue location supported, the place unfavorable to juvenile healthy than if possible
Such as bar, Internet bar.
It is understood that above-mentioned steps S302 may be:
The user terminal matches the location information with preset position information, determines user's present position
It whether is to allow to pay venue location.
In step S303, when user's present position is not to forbid paying venue location, the user terminal is built
It is vertical to be connect with the first of cash receiving terminal.
In embodiments of the present invention, when determining user's present position not is to forbid paying venue location, user is whole
It holds to cash receiving terminal and initiates NFC connectivity request message, and after the NFC connection response information for receiving cash receiving terminal transmission, build
It is vertical to be connect with the NFC of cash receiving terminal.
In step s 304, when user's present position is to forbid paying venue location, the user terminal is sent
Forbid paying prompt information.
In embodiments of the present invention, user terminal transmission is forbidden paying prompt information and can sending for user terminal forbidding propping up
Pay that prompt information is shown to its screen end or user terminal transmission forbids paying prompt information to its language play back system
It plays out or user terminal sends and forbids paying prompt information to the mobile terminal with user terminal binding to notify this
The user of mobile terminal.
In step s 102, the user terminal by first connection obtain in the cash receiving terminal with the payment
Corresponding first payment information of solicited message.
In embodiments of the present invention, user terminal is obtained opposite with payment request information in cash receiving terminal by NFC connection
The first payment information answered, the payment information include but is not limited to the device model or device identification, businessman of the cash receiving terminal
The information such as title, payment amount, commodity detail or bill detail.I.e. user terminal is connected by NFC and is obtained in a manner of NFC payment
Take the first payment information corresponding with payment request information in cash receiving terminal.
Herein, in order to which the safety for further increasing payment further includes a kind of judgement while realizing step S102
The specific implementation step whether payment information matches is sentenced referring to FIG. 4, Fig. 4 shows one kind provided in an embodiment of the present invention
The specific implementation flow for the method whether disconnected payment information matches, details are as follows:
In step S401, the user terminal obtains the second payment information by the second connection.
In embodiments of the present invention, the second connection is specially the connections such as network connection such as WIFI connection, GPRS connection.The
Two payment informations are the two dimensional code payment information obtained that user terminal reads its barcode scanning, which includes but unlimited
In information such as Merchant name, Payment Amount, commodity detail or bill details.
In step S402, the user terminal compares first payment information and second payment information
Compared with both determining whether to match.
In embodiments of the present invention, the first payment information is compared by user terminal with the second payment information, calculates two
The similarity of person thinks that the two matches when the similarity of the two reaches preset threshold.
In step S403, when first payment information matches with second payment information, the user is whole
First payment information or second payment information are set as its payment information to be sent by end.
In step s 404, when first payment information and second payment information do not match that, the user
First payment information is set as its payment information to be sent by terminal, or sends suspicious payment prompt information.
In embodiments of the present invention, by the way that the first payment information is compared matching with the second payment information, according to
The result matched is determined using the first payment information or the second payment information as the user terminal payment information to be sent, also
It is to send suspicious payment prompt information, carries out two dimensional code of barcode scanning payment currently at it so as to avoid user terminal to there is virus
Two dimensional code under paid, the safety of payment is improved, so that user experience is more preferable.
In step s 103, first payment information is sent to and the use by the user terminal by the second connection
The mobile terminal of family terminal binding.
In step S104, the user terminal receives the payment response letter that the mobile terminal is sent by the second connection
Breath, and corresponding delivery operation is completed according to payment response information.
In embodiments of the present invention, since the first connection is only applicable to short-range communication, user terminal is by payment information
It is sent to longer-distance, when mobile terminal with user terminal binding, needs the first payment information through the second connection
It is sent to the mobile terminal with user terminal binding, in order to which mobile terminal is when receiving the payment information, according to movement
The payment response information of user's input of terminal such as agrees to that payment, refusal to pay execute corresponding delivery operation.
When user terminal, which receives mobile terminal, connects the payment response information sent by second to agree to payment, use
Family terminal completes payment operation；It is to refuse when user terminal receives mobile terminal by the payment response information that the second connection is sent
When paying absolutely, user terminal terminates payment operation, Payment Failed, and user terminal generates Payment Failed prompt information and Payment Failed
Reason such as mobile terminal user has rejected payment request.
Optionally, in order to further increase the safety of payment, virulent two dimensional code is avoided persistently to deduct fees, in step
It further include a kind of specific implementation step for sending suspicious payment prompt information, referring to FIG. 5, Fig. 5 shows this hair after S104
A kind of transmission that bright embodiment provides can pay the specific implementation flow of the method for prompt information, and details are as follows:
In step S501, the user terminal obtains its payment times within a preset time.
In step S502, the user terminal calculates its payment frequency within a preset time according to the payment times
It is secondary.
In step S503, the user terminal judges whether the payment frequency is greater than preset threshold.
In step S504, when the payment frequency is greater than preset threshold, the user terminal forbids its payment function,
And send suspicious payment prompt information.
In embodiments of the present invention, by calculating the payment frequency of user terminal within a preset time, and judge the payment
Whether the frequency is greater than preset threshold, to judge whether the user terminal is in state of persistently deducting fees before and after carrying out delivery operation,
If paying the frequency is greater than preset threshold, then it is assumed that user terminal is in state of persistently deducting fees, it is possible to meet with virulent
Two dimensional code, in order to avoid the economic loss of user, user terminal forbids its payment function, and sends suspicious payment prompt information pair
The user of user terminal reminds, or notice with the user terminal binding mobile terminal user take appropriate measures with
Avoid more huge economic loss.
Optionally, further include following steps after step S504:
In step S505, the user terminal starts camera to acquire the payment environment information of the user terminal.
In embodiments of the present invention, when paying the frequency greater than preset threshold, it is non-to illustrate that user terminal is possible to meet with
Normal situation of deducting fees, in order to enable going and finding out what's going in time with the user of the mobile terminal of user terminal binding, user terminal is opened
Payment environment information around dynamic camera acquisition, payment environment information referred herein includes but is not limited to environmental information, two
Code information, retail shop's information etc. are tieed up, environmental information referred herein is specially surrounding scenery information.
Optionally, step S505 specifically:
The user terminal starting camera acquires the payment environment information of the user terminal with predeterminated frequency.
In embodiments of the present invention, the size of predeterminated frequency can be propped up with the size direct proportionality of the payment frequency
Pay the frequency it is higher, predeterminated frequency is higher, conversely, predeterminated frequency is lower.
In step S506, the payment environment information is sent to the movement by the second connection by the user terminal
Terminal.
It in embodiments of the present invention, should by the second connection as soon as user terminal often collects time payment environment information
Payment environment information is sent to mobile terminal；Or user terminal interval preset time unites the collected payment environment information of institute
One is sent to mobile terminal.
In embodiments of the present invention, by the way that when receiving payment request information, user terminal is established and cash receiving terminal
First connection, this first is connected as near-field communication NFC connection, and by the first connection obtain in cash receiving terminal with payment request letter
Corresponding first payment information of manner of breathing, then the first payment information is being sent to the shifting with user terminal binding by the second connection
After dynamic terminal, the payment response information that mobile terminal is sent by the second connection is received, is completed according to payment response information corresponding
Delivery operation, user terminal uses payment process by the first payment information of cash receiving terminal acquired in NFC connection
In the payment information that is directly obtained avoid and by controlling with the mobile terminal that user terminal is bound payment behavior
The economic loss that viruliferous two dimensional code may cause, improves the safety of payment.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence Ying Yiqi function and internal logic control, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Corresponding to a kind of safe payment method described in foregoing embodiments, Fig. 6 shows provided in an embodiment of the present invention one
The schematic diagram of kind secure payment device, for ease of description, only parts related to embodiments of the present invention are shown.
Referring to Fig. 6, which includes:
First connection establishment unit 61 connects for establishing when receiving payment request information with the first of cash receiving terminal
It connects, described first is connected as near-field communication NFC connection.
First payment information acquiring unit 62 is used to obtain by first connection in the cash receiving terminal and described pair
Corresponding first payment information of money solicited message.
Payment information transmission unit 63, for being sent to first payment information and the user by the second connection
The mobile terminal of terminal binding.
Payment processing unit 64, the payment response information sent for receiving the mobile terminal by the second connection, and
Corresponding delivery operation is completed according to payment response information.
Optionally, first connection establishment unit 61 includes:
First connectivity request message transmission sub-unit, for when receiving payment request information, Xiang Suoshu cash receiving terminal
Send the first connectivity request message；
Response message receives judgment sub-unit, for judging that whether receiving the cash receiving terminal within a preset time sends
The first connection response information；
Subelement is established in first connection, the first connection sent for that ought receive the cash receiving terminal within a preset time
When response message, foundation is connect with the first of the cash receiving terminal；
First payment prompt information subelement, for that ought not receive that the cash receiving terminal sends within a preset time
When one connection response information, the user terminal sends suspicious payment prompt information.
Optionally, first connection establishment unit 61 includes:
Location information obtains subelement, for when receiving payment request information, obtaining its positioning letter being currently located
Breath；
Location matches subelement determines that user is current for matching the location information with preset position information
Whether position is to forbid paying venue location；
Subelement is established in second connection, for establishing when user's present position is not to forbid paying venue location
It is connect with the first of cash receiving terminal；
Second payment prompt information subelement, for sending out when user's present position is to forbid paying venue location
It send and forbids paying prompt information.
Optionally, the device further include:
Second payment information acquiring unit, for obtaining the second payment information by the second connection；
Payment information comparing unit, for first payment information to be compared with second payment information；
First information processing unit, for inciting somebody to action when first payment information matches with second payment information
First payment information or second payment information are set as its payment information to be sent；
Second information process unit, for when first payment information and second payment information do not match that,
First payment information is set as its payment information to be sent, or sends suspicious payment prompt information
Optionally, the device further include:
Payment times acquiring unit, for obtaining the payment times of the user terminal within a preset time.
Frequency computing unit is paid, for calculating its payment frequency within a preset time according to the payment times.
Frequency judging unit is paid, for judging whether the payment frequency is greater than preset threshold.
Third information process unit, for forbidding the user terminal when the payment frequency is greater than preset threshold
Payment function, and send suspicious payment prompt information.
Optionally, the device further include:
Camera start unit acquires the payment environment information of the user terminal for starting camera；
Payment environment information transmitting unit, for the payment environment information to be sent to the movement by the second connection
Terminal.
In embodiments of the present invention, by the way that when receiving payment request information, user terminal is established and cash receiving terminal
First connection, this first is connected as near-field communication NFC connection, and by the first connection obtain in cash receiving terminal with payment request letter
Corresponding first payment information of manner of breathing, then the first payment information is being sent to the shifting with user terminal binding by the second connection
After dynamic terminal, the payment response information that mobile terminal is sent by the second connection is received, is completed according to payment response information corresponding
Delivery operation, user terminal uses payment process by the first payment information of cash receiving terminal acquired in NFC connection
In the payment information that is directly obtained avoid and by controlling with the mobile terminal that user terminal is bound payment behavior
The economic loss that viruliferous two dimensional code may cause, improves the safety of payment.
Fig. 7 is a kind of schematic diagram for terminal that one embodiment of the invention provides.As shown in fig. 7, the user of the embodiment is whole
End 7 includes: processor 70, memory 71 and is stored in the meter that can be run in the memory 71 and on the processor 70
Calculation machine program 72.The processor 70 is realized when executing the computer program 72 in above-mentioned each safe payment method embodiment
The step of, such as step 101 shown in FIG. 1 is to 103.Alternatively, realization when the processor 70 executes the computer program 72
The function of each unit in above-mentioned each system embodiment, such as the function of module 61 to 63 shown in Fig. 6.
Illustratively, the computer program 72 can be divided into one or more units, one or more of
Unit is stored in the memory 71, and is executed by the processor 70, to complete the present invention.One or more of lists
Member can be the series of computation machine program instruction section that can complete specific function, and the instruction segment is for describing the computer journey
Implementation procedure of the sequence 72 in the user terminal 7.For example, the computer program 72 can be divided into the first connection foundation
Unit 61, the first payment information acquiring unit 62, payment information transmission unit 63, payment processing unit 64, the specific function of each unit
It can be as follows:
First connection establishment unit 61 connects for establishing when receiving payment request information with the first of cash receiving terminal
It connects, described first is connected as near-field communication NFC connection.
First payment information acquiring unit 62 is used to obtain by first connection in the cash receiving terminal and described pair
Corresponding first payment information of money solicited message.
Payment information transmission unit 63, for being sent to first payment information and the user by the second connection
The mobile terminal of terminal binding.
Payment processing unit 64, the payment response information sent for receiving the mobile terminal by the second connection, and
Corresponding delivery operation is completed according to payment response information.
Optionally, first connection establishment unit 61 includes:
First connectivity request message transmission sub-unit, for when receiving payment request information, Xiang Suoshu cash receiving terminal
Send the first connectivity request message；
Response message receives judgment sub-unit, for judging that whether receiving the cash receiving terminal within a preset time sends
The first connection response information；
Subelement is established in first connection, the first connection sent for that ought receive the cash receiving terminal within a preset time
When response message, foundation is connect with the first of the cash receiving terminal；
First payment prompt information subelement, for that ought not receive that the cash receiving terminal sends within a preset time
When one connection response information, the user terminal sends suspicious payment prompt information.
Optionally, first connection establishment unit 61 includes:
Location information obtains subelement, for when receiving payment request information, obtaining its positioning letter being currently located
Breath；
Location matches subelement determines that user is current for matching the location information with preset position information
Whether position is to forbid paying venue location；
Subelement is established in second connection, for establishing when user's present position is not to forbid paying venue location
It is connect with the first of cash receiving terminal；
Second payment prompt information subelement, for sending out when user's present position is to forbid paying venue location
It send and forbids paying prompt information.
Optionally, the device further include:
Second payment information acquiring unit, for obtaining the second payment information by the second connection；
Payment information comparing unit, for first payment information to be compared with second payment information；
First information processing unit, for inciting somebody to action when first payment information matches with second payment information
First payment information or second payment information are set as its payment information to be sent；
Second information process unit, for when first payment information and second payment information do not match that,
First payment information is set as its payment information to be sent, or sends suspicious payment prompt information
Optionally, the device further include:
Payment times acquiring unit, for obtaining the payment times of the user terminal within a preset time.
Frequency computing unit is paid, for calculating its payment frequency within a preset time according to the payment times.
Frequency judging unit is paid, for judging whether the payment frequency is greater than preset threshold.
Third information process unit, for forbidding the user terminal when the payment frequency is greater than preset threshold
Payment function, and send suspicious payment prompt information.
Optionally, the device further include:
Camera start unit acquires the payment environment information of the user terminal for starting camera；
Payment environment information transmitting unit, for the payment environment information to be sent to the movement by the second connection
Terminal.
The user terminal 7 may include, but be not limited only to, processor 70, memory 71.Those skilled in the art can manage
Solution, Fig. 7 is only the example of user terminal 7, does not constitute the restriction to user terminal 7, may include more or more than illustrating
Few component, perhaps combines certain components or different components, for example, the terminal can also include input-output equipment,
Network access equipment, bus etc..
Alleged processor 70 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 71 can be the internal storage unit of the user terminal 7, such as the hard disk or interior of user terminal 7
It deposits.The memory 71 is also possible to the External memory equipment of the user terminal 7, such as be equipped on the user terminal 7
Plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card dodge
Deposit card (Flash Card) etc..Further, the memory 71 can also both include the storage inside list of the user terminal 7
Member also includes External memory equipment.The memory 71 is for storing needed for the computer program and the terminal other
Program and data.The memory 71 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of the system is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed system/intelligent terminal and method, it can be with
It realizes by another way.For example, system described above/intelligent terminal embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such as
Multiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, system
Or the INDIRECT COUPLING or communication connection of unit, it can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or system, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that described
The content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practice
Subtract, such as does not include electric carrier signal and electricity according to legislation and patent practice, computer-readable medium in certain jurisdictions
Believe signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of safe payment method, which is characterized in that the described method includes:
When receiving payment request information, user terminal foundation is connect with the first of cash receiving terminal, and described first is connected as closely
Field communication NFC connection；
The user terminal is obtained corresponding with the payment request information in the cash receiving terminal by first connection
First payment information；
First payment information is sent to the movement with user terminal binding by the second connection by the user terminal
Terminal；
The user terminal receives the payment response information that the mobile terminal is sent by the second connection, and according to payment response
Information completes corresponding delivery operation.
2. the method as described in claim 1, which is characterized in that described when receiving payment request information, user terminal is built
Vertical the step of being connect with the first of cash receiving terminal, comprising:
When receiving payment request information, the user terminal sends the first connectivity request message to the cash receiving terminal；
Whether the user terminal judgement receives the first connection response information that the cash receiving terminal is sent within a preset time；
When receiving the first connection response information that the cash receiving terminal is sent within a preset time, the user terminal is established
It is connect with the first of the cash receiving terminal；
When not receiving the first connection response information that the cash receiving terminal is sent within a preset time, the user terminal hair
Send suspicious payment prompt information.
3. the method as described in claim 1, which is characterized in that described when receiving payment request information, user terminal is built
Vertical the step of being connect with the first of cash receiving terminal, comprising:
When receiving payment request information, the user terminal obtains its location information being currently located；
The user terminal matches the location information with preset position information, whether determines user's present position
To forbid paying venue location；
When user's present position is not to forbid paying venue location, the user terminal establishes first with cash receiving terminal
Connection；
When user's present position is to forbid paying venue location, the user terminal transmission is forbidden paying prompt information.
4. the method as described in claims 1 to 3 is any, which is characterized in that receive the mobile terminal in the user terminal
By second connection send payment response information, and according to payment response information complete corresponding delivery operation the step of it
Afterwards, further includes:
The user terminal obtains its payment times within a preset time；
The user terminal calculates its payment frequency within a preset time according to the payment times；
The user terminal judges whether the payment frequency is greater than preset threshold；
When the payment frequency is greater than preset threshold, the user terminal forbids its payment function, and sends suspicious payment and mention
Show information.
5. method as claimed in claim 4, which is characterized in that described when the payment frequency is greater than preset threshold, institute
When stating user terminal and forbid its payment function, and sending the step of suspicious payment prompt information, further includes:
The user terminal starts camera to acquire the payment environment information of the user terminal；
The payment environment information is sent to the mobile terminal by the second connection by the user terminal.
6. a kind of secure payment device, which is characterized in that described device includes:
First connection establishment unit, for when receiving payment request information, foundation to be connect with the first of cash receiving terminal, described
First is connected as near-field communication NFC connection.
First payment information acquiring unit is used to obtain by first connection in the cash receiving terminal and the payment request
Corresponding first payment information of information.
Payment information transmission unit is tied up for being sent to first payment information by the second connection with the user terminal
Fixed mobile terminal.
Payment processing unit, the payment response information sent for receiving the mobile terminal by the second connection, and according to branch
It pays response message and completes corresponding delivery operation.
7. method as claimed in claim 6, which is characterized in that first connection establishment unit includes:
First connectivity request message transmission sub-unit, for when receiving payment request information, Xiang Suoshu cash receiving terminal to be sent
First connectivity request message；
Response message receives judgment sub-unit, for judge whether to receive the of the cash receiving terminal transmission within a preset time
One connection response information；
Subelement is established in first connection, the first connection response sent for that ought receive the cash receiving terminal within a preset time
When information, foundation is connect with the first of the cash receiving terminal；
First payment prompt information subelement connects for that ought not receive the cash receiving terminal is sent first within a preset time
When connecing response message, the user terminal sends suspicious payment prompt information.
8. method as claimed in claim 6, which is characterized in that first connection establishment unit includes:
Location information obtains subelement, for when receiving payment request information, obtaining its location information being currently located；
Location matches subelement determines that user is currently located for matching the location information with preset position information
Whether position is to forbid paying venue location；
Subelement is established in second connection, for establishing and receiving when user's present position is not to forbid paying venue location
First connection of money terminal；
Second payment prompt information subelement, for sending and prohibiting when user's present position is to forbid paying venue location
Only pay prompt information.
9. a kind of user terminal, including memory, processor and storage are in the memory and can be on the processor
The computer program of operation, which is characterized in that the processor realizes such as claim 1 to 5 when executing the computer program
The step of any one safe payment method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In the step of realization safe payment method as described in any one of claim 1 to 5 when the computer program is executed by processor
Suddenly.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811315386.XA CN109409870A (en) | 2018-11-06 | 2018-11-06 | Safe payment method and device and user terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811315386.XA CN109409870A (en) | 2018-11-06 | 2018-11-06 | Safe payment method and device and user terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109409870A true CN109409870A (en) | 2019-03-01 |
Family
ID=65471825
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811315386.XA Pending CN109409870A (en) | 2018-11-06 | 2018-11-06 | Safe payment method and device and user terminal |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109409870A (en) |
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| CN110782248A (en) * | 2019-10-25 | 2020-02-11 | Oppo广东移动通信有限公司 | Payment method, payment device, mobile terminal and payment terminal |
| CN113382366A (en) * | 2021-06-15 | 2021-09-10 | 读书郎教育科技有限公司 | Intelligent watch and method for monitoring juveniles to enter and exit forbidden places |
| CN114493579A (en) * | 2020-11-13 | 2022-05-13 | Oppo广东移动通信有限公司 | A mobile payment method, mobile payment device, electronic device and storage medium |
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