CN111967871A - Secure payment method, device and storage medium - Google Patents

Abstract

The embodiment of the application provides a secure payment method, a device and a storage medium. The method comprises the following steps: receiving a payment code display request and generating an original payment code; and when the terminal equipment is detected to be scanned, if the distance between the scanning equipment and the terminal equipment is less than or equal to a first preset value, displaying the original payment code. The method improves payment security.

Description

Secure payment method, equipment and storage medium

technical field

The embodiments of the present application relate to mobile payment technologies, and in particular, to a secure payment method, device, and storage medium.

Background technique

With the development of mobile payment technology, more and more users gradually use terminal devices for daily consumption payment instead of traditional cash payment or credit card payment.

When using a terminal device to make payment, usually the user directly opens his own payment code interface on the terminal device, and the payee scans the user's payment code with the scanning device to directly deduct the payment. However, a problem with this payment method is that users often open the payment code interface in advance when preparing to pay. For example, the user may open the payment code in advance while waiting in line. At this time, criminals may copy or The user's payment code is scanned and the user's property is damaged. Therefore, a more secure payment method is urgently needed.

The preceding statements are intended to provide general background information and may not constitute prior art.

SUMMARY OF THE INVENTION

The present application provides a secure payment method, device and storage medium to improve the security of mobile payment.

In a first aspect, the present application provides a secure payment method, which is applied to a terminal device, including:

Receive payment code display request, and generate original payment code;

When it is detected that the terminal device is scanned, if the distance between the scanning device and the terminal device is less than or equal to a first preset value, the original payment code is displayed.

Optionally, before the displaying of the original payment code, the method further includes: performing user authentication, and displaying the original payment code only if passed; and/or, if not passing, not displaying the original payment code and / or output prompt information.

Optionally, after generating the original payment code, the method further includes:

After processing the image of the original payment code, a security payment code is obtained, optionally, the security payment code is a payment code or pattern that cannot be correctly identified;

displaying said secure payment code;

Optionally, the displaying the original payment code includes:

Switch the secure payment code to the original payment code.

Optionally, the detecting that the terminal device is scanned includes:

If the terminal device receives the scanning light signal of the scanning device, it is determined that the terminal device is scanned; the method further includes: determining the distance between the scanning device and the terminal device.

Optionally, the terminal device receives the scanning optical signal of the scanning device, including:

If the intensity change of the optical signal received by the terminal device is greater than or equal to the second preset value, it is determined that the terminal device has received the scanning optical signal of the scanning device.

Optionally, the determining the distance between the scanning device and the terminal device includes:

determine the closest obstacle to the terminal device;

The distance between the closest obstacle and the terminal device is determined as the distance between the scanning device and the terminal device.

Optionally, the determining the distance between the scanning device and the terminal device includes:

photographing an image in the direction of the scanning light signal;

The distance between the scanning device and the terminal device is determined according to the image of the direction of the scanning light signal.

Optionally, before obtaining a secure payment code after processing the image of the original payment code, the method further includes:

It is determined that the payment code security protection mode of the terminal device is enabled.

Optionally, the method further includes:

If the distance is greater than the first preset value, prompt information is output, where the prompt information is used to prompt the user that the payment code is illegally scanned.

Optionally, the prompt information is at least one of text information, voice information and lighting information.

Optionally, the processing of the original payment code to obtain a secure payment code includes at least one of the following:

Perform virtual image processing on all or part of the image of the original payment code to obtain a secure payment code with a lower definition than the original payment code;

Encrypting the image of the original payment code to obtain the secure payment code;

Covering all or part of the image of the original payment code to obtain the secure payment code;

Perform image stretching and deformation processing on all or part of the original payment code to obtain the secure payment code.

Optionally, the payment code is a barcode or a two-dimensional code.

In a second aspect, the present application provides a secure payment device, including:

The generation module is used to receive the payment code display request and generate the original payment code;

The display module is configured to display the original payment code if the distance between the scanning device and the terminal device is less than or equal to a first preset value when it is detected that the terminal device is scanned.

In a third aspect, the present application provides a terminal device, including: a memory and a processor;

the memory is used to store computer programs;

When the processor is configured to execute the computer program, the method as described in the first aspect is implemented.

In a fourth aspect, the present application provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, implements the method described in the first aspect.

The present application provides a secure payment method, device and storage medium. After receiving a payment code display request, only the original payment code is generated but not displayed directly. The original payment code is displayed only when the distance is less than or equal to the first preset value, which ensures that the payment code is displayed when the user brings the terminal device close to the scanning device, and avoids malicious scanning of the payment code due to the payment code being displayed in advance. Or be copied, which improves payment security. In addition, the secure payment method does not increase the operational complexity of the user, and the user experience is better.

Description of drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description serve to explain the principles of the application.

1 is a schematic diagram of a hardware structure of a mobile terminal implementing various embodiments of the present application;

FIG. 2 is an architecture diagram of a communication network system provided by an embodiment of the present application;

3 is an application scenario diagram of a secure payment method provided by the present application;

FIG. 4 is a schematic flow chart 1 of a secure payment method provided by the present application;

FIG. 5 is a user interface diagram 1 of a terminal device provided by the present application;

FIG. 6 is a second schematic flowchart of a safe payment method provided by the present application;

FIG. 7 is a user interface diagram 2 of a terminal device provided by the present application;

FIG. 8 is a user interface diagram 3 of a terminal device provided by the present application;

9 is a schematic structural diagram of a secure payment method provided by the present application;

FIG. 10 is a schematic structural diagram of a terminal device provided by this application.

Specific embodiments of the present application have been shown by the above-mentioned drawings, and will be described in more detail hereinafter. These drawings and written descriptions are not intended to limit the scope of the concepts of the present application in any way, but to illustrate the concepts of the present application to those skilled in the art by referring to specific embodiments.

Detailed ways

Exemplary embodiments will be described in detail herein, examples of which are illustrated in the accompanying drawings. Where the following description refers to the drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the illustrative examples below are not intended to represent all implementations consistent with this application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as recited in the appended claims.

It should be noted that, herein, the terms "comprising", "comprising" or any other variation thereof are intended to encompass non-exclusive inclusion, such that a process, method, article or device comprising a series of elements includes not only those elements, It also includes other elements not expressly listed or inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in a process, method, article or apparatus that includes the element.

It should be understood that although the terms first, second, third, etc. may be used herein to describe various information, such information should not be limited by these terms. These terms are only used to distinguish the same type of information from each other. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of this document. The word "if" as used herein can be interpreted as "at the time of" or "when" or "in response to determining", depending on the context. Also, as used herein, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context dictates otherwise. It should be further understood that the terms "comprising", "comprising" indicate the presence of stated features, steps, operations, elements, components, items, kinds, and/or groups, but do not exclude one or more other features, steps, operations, The existence, appearance or addition of elements, assemblies, items, categories, and/or groups. The terms "or" and "and/or" as used herein are to be construed to be inclusive or to mean any one or any combination. Thus, "A, B or C" or "A, B and/or C" means "any of the following: A; B; C; A and B; A and C; B and C; A, B and C" . Exceptions to this definition arise only when combinations of elements, functions, steps, or operations are inherently mutually exclusive in some way.

It should be understood that, although the steps in the flow charts in the above embodiments are sequentially displayed according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, the execution of these steps is not strictly limited to the order and may be performed in other orders. Moreover, at least a part of the steps in the figure may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily executed at the same time, but may be executed at different times, and the execution order is not necessarily sequential. Instead, it may be performed in turn or alternately with other steps or at least a portion of sub-steps or stages of other steps.

It should be noted that, in this article, step codes such as S201 and S202 are used, the purpose of which is to express the corresponding content more clearly and briefly, and does not constitute a substantial restriction on the sequence. Those skilled in the art may S202 will be executed first and then S201, etc., but these should all fall within the protection scope of this application.

It should be understood that the specific embodiments described herein are only used to explain the present application, but not to limit the present application.

In the following description, suffixes such as 'module', 'component' or 'unit' used to represent elements are used only to facilitate the description of the present application, and have no specific meaning per se. Thus, "module", "component" or "unit" may be used interchangeably.

The apparatus may be implemented in various forms. For example, the devices described in this application may include devices such as cell phones, tablets, laptops, palmtops, Personal Digital Assistants (PDAs), Portable Media Players (PMPs), navigation devices, Mobile terminals such as wearable devices, smart bracelets, and pedometers, as well as stationary terminals such as digital TVs and desktop computers.

In the following description, a mobile terminal will be used as an example, and those skilled in the art will understand that, in addition to elements specially used for mobile purposes, the configurations according to the embodiments of the present application can also be applied to stationary type terminals.

Please refer to FIG. 1 , which is a schematic diagram of the hardware structure of a mobile terminal implementing various embodiments of the present application. The mobile terminal 100 may include: an RF (Radio Frequency, radio frequency) unit 101 , a WiFi module 102 , an audio output unit 103 , A /V (audio/video) input unit 104, sensor 105, display unit 106, user input unit 107, interface unit 108, memory 109, processor 110, and power supply 111 and other components. Those skilled in the art can understand that the structure of the mobile terminal shown in FIG. 1 does not constitute a limitation on the mobile terminal, and the mobile terminal may include more or less components than the one shown, or combine some components, or different components layout.

Below in conjunction with Fig. 1, each component of the mobile terminal is introduced in detail:

The radio frequency unit 101 can be used for receiving and sending signals during transmission and reception of information or during a call. Specifically, after receiving the downlink information of the base station, it is processed by the processor 110; in addition, the uplink data is sent to the base station. Generally, the radio frequency unit 101 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, the radio frequency unit 101 can also communicate with the network and other devices through wireless communication. The above-mentioned wireless communication can use any communication standard or protocol, including but not limited to GSM (Global System of Mobile communication, Global System for Mobile Communications), GPRS (General Packet Radio Service, General Packet Radio Service), CDMA2000 (CodeDivision Multiple Access 2000, Code Division Multiple Access 2000), WCDMA (Wideband Code Division Multiple Access, Wideband Code Division Multiple Access), TD-SCDMA (Time Division-Synchronous Code Division Multiple Access, Time Division Synchronous Code Division Multiple Access), FDD-LTE (Frequency Division Duplexing-Long Term) Evolution, frequency division duplexing long term evolution) and TDD-LTE (Time Division Duplexing-Long TermEvolution, time division duplexing long term evolution) and so on.

WiFi is a short-distance wireless transmission technology, and the mobile terminal can help users to send and receive emails, browse web pages, access streaming media, etc. through the WiFi module 102, which provides users with wireless broadband Internet access. Although FIG. 1 shows the WiFi module 102, it can be understood that it is not a necessary component of the mobile terminal, and can be completely omitted as required within the scope of not changing the essence of the invention.

When the mobile terminal 100 is in a call signal receiving mode, a talking mode, a recording mode, a voice recognition mode, a broadcast receiving mode, etc., the audio output unit 103 can store the data received by the radio frequency unit 101 or the WiFi module 102 or stored in the memory 109. The audio data is converted into audio signal and output as sound. Also, the audio output unit 103 may also provide audio output related to a specific function performed by the mobile terminal 100 (eg, call signal reception sound, message reception sound, etc.). The audio output unit 103 may include a speaker, a buzzer, and the like.

The A/V input unit 104 is used to receive audio or video signals. The A/V input unit 104 may include a Graphics Processing Unit (GPU) 1041 and a microphone 1042, and the graphics processor 1041 can respond to still pictures or images obtained by an image capture device (such as a camera) in a video capture mode or an image capture mode. The image data of the video is processed. The processed image frames may be displayed on the display unit 106 . The image frames processed by the graphics processor 1041 may be stored in the memory 109 (or other storage medium) or transmitted via the radio frequency unit 101 or the WiFi module 102 . The microphone 1042 can receive sound (audio data) via the microphone 1042 in a telephone call mode, a recording mode, a voice recognition mode, etc. operating modes, and can process such sound into audio data. The processed audio (voice) data can be converted into a format that can be transmitted to a mobile communication base station via the radio frequency unit 101 for output in the case of a telephone call mode. The microphone 1042 may implement various types of noise cancellation (or suppression) algorithms to remove (or suppress) noise or interference generated in the process of receiving and transmitting audio signals.

The mobile terminal 100 also includes at least one sensor 105, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor and a proximity sensor, wherein the ambient light sensor can adjust the brightness of the display panel 1061 according to the brightness of the ambient light, and the proximity sensor can close the display panel 1061 and the display panel 1061 when the mobile terminal 100 is moved to the ear. / or backlight. As a kind of motion sensor, the accelerometer sensor can detect the magnitude of acceleration in all directions (usually three axes), and can detect the magnitude and direction of gravity when it is stationary. games, magnetometer attitude calibration), vibration recognition related functions (such as pedometer, tapping), etc.; as for the fingerprint sensor, pressure sensor, iris sensor, molecular sensor, gyroscope, barometer, hygrometer, etc. Other sensors such as thermometers, infrared sensors, etc. will not be repeated here.

The display unit 106 is used to display information input by the user or information provided to the user. The display unit 106 may include a display panel 1061, and the display panel 1061 may be configured in the form of a liquid crystal display (LCD), an organic light-emitting diode (OLED), or the like.

The user input unit 107 may be used to receive input numerical or character information, and generate key signal input related to user settings and function control of the mobile terminal. Specifically, the user input unit 107 may include a touch panel 1071 and other input devices 1072 . The touch panel 1071, also referred to as a touch screen, can collect the user's touch operations on or near it (such as the user's finger, stylus, etc., any suitable object or attachment on or near the touch panel 1071). operation), and drive the corresponding connection device according to the preset program. The touch panel 1071 may include two parts, a touch detection device and a touch controller. Among them, the touch detection device detects the user's touch orientation, detects the signal brought by the touch operation, and transmits the signal to the touch controller; the touch controller receives the touch information from the touch detection device, converts it into contact coordinates, and then sends it to the touch controller. To the processor 110, and can receive the command sent by the processor 110 and execute it. In addition, the touch panel 1071 can be implemented in various types such as resistive, capacitive, infrared, and surface acoustic waves. In addition to the touch panel 1071 , the user input unit 107 may also include other input devices 1072 . Specifically, other input devices 1072 may include, but are not limited to, one or more of physical keyboards, function keys (such as volume control keys, switch keys, etc.), trackballs, mice, joysticks, etc., which are not specifically limited here. .

Further, the touch panel 1071 can cover the display panel 1061, and when the touch panel 1071 detects a touch operation on or near it, it transmits it to the processor 110 to determine the type of the touch event, and then the processor 110 determines the type of the touch event according to the touch event. Type provides corresponding visual output on display panel 1061 . Although in FIG. 1 , the touch panel 1071 and the display panel 1061 are used as two independent components to realize the input and output functions of the mobile terminal, but in some embodiments, the touch panel 1071 and the display panel 1061 may be integrated The input and output functions of the mobile terminal are implemented, which is not specifically limited here.

The interface unit 108 serves as an interface through which at least one external device can be connected to the mobile terminal 100 . For example, external devices may include wired or wireless headset ports, external power (or battery charger) ports, wired or wireless data ports, memory card ports, ports for connecting devices with identification modules, audio input/output (I/O) ports, video I/O ports, headphone ports, and more. The interface unit 108 may be used to receive input (eg, data information, power, etc.) from an external device and transmit the received input to one or more elements within the mobile terminal 100 or may be used between the mobile terminal 100 and the external Transfer data between devices.

The memory 109 may be used to store software programs as well as various data. The memory 109 may mainly include a stored program area and a stored data area, wherein the stored program area may store an operating system, an application program (such as a sound playback function, an image playback function, etc.) required for at least one function, etc.; Data created by the use of the mobile phone (such as audio data, phone book, etc.), etc. Additionally, memory 109 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 110 is the control center of the mobile terminal, uses various interfaces and lines to connect various parts of the entire mobile terminal, runs or executes the software programs and/or modules stored in the memory 109, and calls the data stored in the memory 109. , perform various functions of the mobile terminal and process data, so as to monitor the mobile terminal as a whole. The processor 110 may include one or more processing units; preferably, the processor 110 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, etc., and the modem The processor mainly handles wireless communication. It can be understood that, the above-mentioned modulation and demodulation processor may not be integrated into the processor 110 .

The mobile terminal 100 may also include a power supply 111 (such as a battery) for supplying power to various components. Preferably, the power supply 111 may be logically connected to the processor 110 through a power management system, so as to manage charging, discharging, and power consumption management through the power management system and other functions.

Although not shown in FIG. 1 , the mobile terminal 100 may also include a Bluetooth module, etc., which will not be described herein again.

To facilitate understanding of the embodiments of the present application, a communication network system on which the mobile terminal of the present application is based is described below.

Please refer to FIG. 2. FIG. 2 is an architecture diagram of a communication network system provided by an embodiment of the application. The communication network system is an LTE system of universal mobile communication technology. ) 201 , E-UTRAN (Evolved UMTSTerrestrial Radio Access Network, Evolved UMTS Terrestrial Radio Access Network) 202 , EPC (Evolved Packet Core, Evolved Packet Core) 203 and operator's IP service 204 .

Specifically, the UE 201 may be the above-mentioned terminal 100, which will not be repeated here.

E-UTRAN 202 includes eNodeB 2021 and other eNodeB 2022 and the like. The eNodeB 2021 may be connected to other eNodeBs 2022 through a backhaul (eg, X2 interface), the eNodeB 2021 is connected to the EPC 203 , and the eNodeB 2021 may provide access from the UE 201 to the EPC 203 .

EPC 203 may include MME (Mobility Management Entity, Mobility Management Entity) 2031, HSS (Home Subscriber Server, Home Subscriber Server) 2032, other MME 2033, SGW (Serving Gate Way, Serving Gateway) 2034, PGW (PDN Gate Way, packet data) network gateway) 2035 and PCRF (Policy and Charging Rules Function, policy and charging function entity) 2036 and so on. Among them, MME2031 is a control node that processes signaling between UE201 and EPC203, and provides bearer and connection management. The HSS2032 is used to provide some registers to manage functions such as the home location register (not shown in the figure), and to store some user-specific information about service characteristics, data rates, etc. All user data can be sent through SGW2034, PGW2035 can provide IP address allocation and other functions of UE 201, PCRF2036 is the policy and charging control policy decision point of service data flow and IP bearer resources, it is the policy and charging execution function A unit (not shown) selects and provides available policy and charging control decisions.

The IP service 204 may include Internet, intranet, IMS (IP Multimedia Subsystem, IP Multimedia Subsystem) or other IP services.

Although the above takes the LTE system as an example, those skilled in the art should know that this application is not only applicable to the LTE system, but also applicable to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA and future new The network system, etc., is not limited here.

Based on the above-mentioned mobile terminal hardware structure and communication network system, various embodiments of the present application are proposed.

The secure payment method provided by the embodiment of the present application is applied in a mobile payment scenario. Exemplarily, as shown in FIG. 3 , the user holds the terminal device 10 to pay the recipient, and the recipient completes the payment by scanning the payment code on the user terminal device 10 with the scanning device 20 . The user terminal device 10 may be a mobile phone, a wearable smart device, a tablet computer, etc.; the scanning device 20 may be a code scanner, a scanner gun, an intelligent cash register device, a vehicle-mounted terminal, etc., which are not limited in this application.

When a user makes a payment using a terminal device, the usual process is that the user directly opens his own payment code interface on the terminal device, and the payee scans the user's payment code with a scanning device to directly deduct the payment. In actual use, the user often opens the payment code interface in advance and waits for the merchant to scan it. For example, the user may open the payment code in advance while waiting in line, which may cause the user's payment code to be scanned and deducted by criminals or copied. use, causing damage to the user's property.

In order to improve the security of the payment code, it is proposed in the related art that the terminal device outputs a verification interface before showing the payment code, and matches the pre-stored information after receiving the verification information output by the user on the verification interface, and displays the payment code only after the matching is successful. Alternatively, after the payment code is scanned, the terminal device outputs a verification interface, receives the verification information output by the user on the verification interface and matches the pre-stored information, and triggers the deduction only after the matching is successful. The above two schemes both improve the security of the payment code to a certain extent by increasing the verification process. However, this solution increases the user's operation process, complicates the payment process, takes a long time, and is inconvenient to use in places with large traffic.

In order to solve the above problems, the present application proposes a secure payment method. When a user makes a payment using a terminal device, in order to ensure that the payment scanning operation is performed under the condition that the user is aware of it, when the distance between the user device and the scanning device is less than a preset value The payment code is displayed at the time of value, which ensures the safe and controllable payment operation.

The technical solutions of the embodiments of the present application and how the technical solutions of the present application solve the above-mentioned technical problems will be described in detail below with specific examples. The following specific embodiments may be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the embodiments of the present application will be described below with reference to the accompanying drawings.

FIG. 4 is a schematic flow chart 1 of a secure payment method provided by the present application. The execution body of the method is a terminal device. As shown in Figure 4, the method includes:

S201. Receive a payment code display request, and generate an original payment code.

The payment code display request in this embodiment may be triggered by user operation. For example, as shown in FIG. 5 , the user clicks the payment control on the operation interface of the application program of the terminal device to trigger the payment code display request.

It should be noted that in this step, after receiving the payment code display request, the terminal device generates an original payment code, but at this time, the terminal device does not display the original payment code for the time being.

The payment code in this embodiment of the application may be a barcode, a two-dimensional code, or a payment code in other encoding methods that may be used in the future, which is not limited in this application.

S202. When it is detected that the terminal device is scanned, if the distance between the scanning device and the terminal device is less than or equal to a first preset value, display the original payment code.

The terminal device may detect whether it is scanned through a sensor and/or a camera. For example, if the terminal device receives a scanning light signal of the scanning device through a light sensor, it is determined that the terminal device is scanned. Upon detection of being scanned, the terminal device further determines whether to display the original payment code according to the distance between the scanning device and the terminal device.

When the terminal device is scanned, if the distance between the scanning device and the terminal device is less than or equal to the first preset value, the original payment code is displayed; and/or, if the distance between the scanning device and the terminal device is greater than the first preset value. If the value is set, a prompt message will be output to remind the user that the payment code is illegally scanned.

Optionally, before displaying the original payment code, it also includes: performing user authentication, which can be specifically identified by user fingerprints, or face, or iris, or voice, or password (such as graphics or text, etc.), etc. display the original payment code; and/or, if not approved, do not display the original payment code and/or output a prompt message. In this way, security can be further improved.

The size of the first preset value can be set according to actual needs. For example, the first preset value is 10 cm, 20 cm, and the like. Usually, when a user pays with a payment code, he will hold the terminal device and move it to a position close to the scanning device to scan the code. Therefore, the first preset value is set to ensure that the distance between the scanning device and the terminal device is small when the distance between the scanning device and the terminal device is small. , that is, the payment code is displayed only when the user moves the terminal device close to the scanning device, thereby ensuring that the operation of scanning the payment code is visible to the user, thereby improving payment security.

On the contrary, if the distance between the scanning device and the terminal device is greater than the first preset value when the terminal device is scanned, it means that the user did not move the terminal device to a position close to the scanning device, so the scanning operation may be caused by other personnel from The terminal device of the user is maliciously scanned from a distance. Therefore, in this case, the terminal device does not display the original payment code, and the terminal device can prompt the user by outputting prompt information. The prompt information may be at least one of text information, voice information and light information. For example, as shown in Figure 5, the user interface of the terminal device displays "Illegal scan detected, please confirm", or the speaker plays a voice "Illegal scan detected, please confirm", or the screen flashes and the flashlight flashes. , the breathing light flashes, etc.

In the secure payment method provided by this embodiment, after receiving the payment code display request, only the original payment code is generated but not displayed directly, when it is detected that the terminal device is scanned, and the distance between the scanning device and the terminal device is less than or equal to The original payment code is displayed only after the first preset value, which ensures that the payment code is displayed when the user puts the terminal device close to the scanning device, and avoids malicious scanning or copying of the payment code due to the payment code being displayed in advance. payment security. In addition, the secure payment method does not increase the operational complexity of the user, and the user experience is better.

On the basis of the above embodiments, the present application also provides a secure payment method, which further improves user experience on the basis of ensuring secure payment. FIG. 6 is a second schematic flowchart of a secure payment method provided by the present application. As shown in Figure 6, the method includes:

S401. Receive a payment code display request, and generate an original payment code.

This step is similar to S201 in the foregoing embodiment, and will not be repeated here.

S402. After processing the image of the original payment code, a security payment code is obtained, and the security payment code is displayed.

Optionally, the secure payment code is a payment code or pattern that cannot be correctly identified.

In the previous step, after the user triggers the payment code display request, the terminal device generates the original payment code, but for the purpose of improving security, the terminal device does not directly display the original payment code after generating the original payment code. Therefore, for For the user, after the user triggers the payment code display request, the user cannot immediately see the payment code displayed on the user interface of the terminal device, and the user experience may be poor.

Therefore, in this step, after generating the original payment code, the terminal device processes the image of the original payment code to obtain a secure payment code that cannot be correctly identified, and displays the secure payment code. Therefore, from the perspective of user experience, after the user triggers the payment code display request, the user can see the payment code displayed on the terminal device, and the user can know that the payment code is a security payment code displayed for security requirements, and the user experience is better.

The terminal device can process the image of the original payment code in one or more ways to obtain a secure payment code that cannot be correctly identified.

For example, in one manner, the terminal device performs blurred image processing on all or part of the image of the original payment code to obtain a secure payment code with a lower definition than the original payment code. In another method, the terminal device encrypts the image of the original payment code to obtain the secure payment code. For example, a specific encryption encoding method is used to generate an encrypted two-dimensional code image as the secure payment code. In another way, the terminal device covers all or part of the original payment code to obtain the secure payment code. In yet another method, the terminal device performs image stretching and deformation processing on all or part of the original payment code to obtain the secure payment code.

It can be understood that, when the terminal device processes the original payment code, one or more of the above methods can be used at the same time. The exemplary terminal device may first perform blurring processing on the original payment code, and then further perform masking processing to obtain a secure payment code, which is not limited in this embodiment. At the same time, it should be noted that the above several methods are only illustrative, and the embodiments of the present application do not limit the method of generating the secure payment code, as long as the secure payment code obtained through the original payment code cannot be correctly identified.

Optionally, when the terminal device displays the security payment code, information may also be displayed on the terminal device to prompt the user that the security payment code is currently displayed. For example, as shown in Figure 7, the terminal device displays the virtualized security payment code, and displays the message "The security payment code is currently displayed, and the terminal device will be automatically switched to the original payment code after the terminal device is brought close to the scanning device." After the user triggers the payment code display request and sees the security payment code, the user can know to directly place the security payment code close to the scanning device.

S403. When it is detected that the terminal device is scanned, if the distance between the scanning device and the terminal device is less than or equal to the first preset value, switch the secure payment code to the original payment code.

Similar to S202, when the terminal device detects being scanned, if the distance between the scanning device and the terminal device is less than or equal to the first preset value, it means that the user moves the terminal device close to the scanning device, thereby ensuring the scanning operation. It is visible to the user, and at this time, the secure payment code is switched to the original payment code for payment, as shown in Figure 8 for an example.

On the contrary, if the distance between the scanning device and the terminal device is greater than the first preset value when the terminal device is scanned, it means that the user did not move the terminal device to a position close to the scanning device, so the scanning operation may be caused by other personnel from The terminal device of the user is maliciously scanned from a distance. Therefore, in this case, the terminal device still displays the security payment code. Since the security payment code cannot be correctly identified, payment security is improved.

Optionally, before displaying the original payment code, it also includes: performing user authentication, which can be specifically identified by user fingerprints, or face, or iris, or voice, or password (such as graphics or text, etc.), etc. display the original payment code; and/or, if not approved, do not display the original payment code and/or output a prompt message. In this way, security can be further improved.

In this embodiment, after receiving the payment code display request, the terminal device generates the original payment code and converts it into a secure payment code for display. When the distance is less than or equal to the first preset value, switching the security payment code to the original payment code not only ensures the security of payment, but also the security payment method will not increase the operational complexity of the user, and can also display the security payment code pair. The user is prompted to improve the user experience.

In order to enable the user to choose to use or not to use the payment method of displaying the security payment code in the above embodiment, the terminal device can provide a switch for the payment code security protection mode for the user to choose. If the user chooses to turn on the payment code security protection mode, the terminal device When displaying the payment code, the secure payment code is displayed according to the method of the embodiment shown in FIG. 6 . If the user turns off the payment code security protection mode, the security payment code will not be displayed.

Based on the embodiments shown in FIG. 4 and FIG. 6 , how the terminal device detects being scanned and how to determine the distance between the scanning device and the terminal device is described.

In a feasible implementation manner, if the intensity change of the optical signal received by the terminal device is greater than or equal to the second preset value, it is determined that the terminal device has received the scanning optical signal of the scanning device, thereby determining that the terminal device is scanned.

There are usually relatively fixed optical signals in the use environment of the terminal device. For example, when the terminal device is used indoors, the indoor lighting is turned on, and the terminal device will continue to receive the optical signal of the lighting lamp, or the terminal device is used outdoors. , the terminal device will continue to receive sunlight signals. When the scanning device scans the terminal device, the scanning device also sends out a scanning optical signal, so that the intensity of the optical signal received by the terminal device when being scanned will change suddenly.

The terminal device can determine the intensity change of the received optical signal through the sensor. At the same time, in order to distinguish the intensity change of the optical signal received by the terminal device from the slight fluctuation of light in the normal environment, a second preset value is set in this application. , when the intensity change of the optical signal received by the terminal device is greater than or equal to the second preset value, it is determined that the terminal device has received the scanning optical signal of the scanning device. The size of the second preset value can be set according to the actual situation, for example, the second preset value can be set according to the intensity of the scanning light signal of the scanning device.

In the above method, by detecting the intensity change of the optical signal received by the terminal device, it is determined whether the terminal device is scanned, so that on the basis of the terminal device being scanned, the distance between the scanning device and the terminal device can be further determined. Determines whether to display the original payment code, which improves the security of payment. The following describes how the terminal device determines the distance between the scanning device and the terminal device.

In a feasible implementation manner, the terminal device determines the nearest obstacle to the terminal device; and determines the distance between the nearest obstacle and the terminal device as the distance between the scanning device and the terminal device.

In this implementation manner, the terminal device determines the distance between the scanning device and the terminal device through the sensor. By way of example, the sensor may be an ultrasonic ranging sensor, an infrared ranging sensor, a laser ranging sensor, etc., and the type of the sensor is not specifically limited in this application.

In the actual scene, when the user moves the terminal device to a position close to the scanning device, there are basically no other obstructions between the terminal device and the scanning device. Therefore, the terminal device can determine the detected obstacle with the closest distance as Scan the device to determine the distance between the nearest obstacle and the terminal device as the distance between the scanning device and the terminal device.

In another feasible implementation manner, the terminal device captures an image in the direction of the scanning optical signal, and determines the distance between the scanning device and the terminal device according to the image in the direction of the scanning optical signal.

In this implementation, when the terminal device detects that the scanning optical signal of the scanning device is determined to be scanned, the terminal device captures an image in the direction of the scanning optical signal through the camera, so that the image must include the scanning device, and the terminal device has no effect on the captured image. Identify and determine the distance between the scanning device and the terminal device. The specific implementation of the ranging by the terminal device using the image captured by the camera may be the same as the method of ranging from a monocular camera or a binocular camera in the prior art.

In the above method, by detecting the intensity change of the optical signal received by the terminal device, it is determined that after the terminal device is scanned, the image captured by the sensor or camera is used to determine the distance between the scanning device and the terminal device, so as to determine whether to display the original payment. code, which improves the security of payment.

FIG. 9 is a schematic structural diagram of a secure payment device provided by the present application. As shown in Figure 9, the secure payment device 70 includes:

A generating module 701, configured to receive a payment code display request, and generate an original payment code;

The display module 702 is configured to display the original payment code if the distance between the scanning device and the terminal device is less than or equal to the first preset value when it is detected that the terminal device is scanned.

In a feasible implementation manner, the secure payment device 70 further includes:

The security processing module 703 is used to obtain the security payment code after processing the image of the original payment code. Optionally, the security payment code is a payment code or pattern that cannot be correctly identified;

The display module 702 is further configured to display the security payment code;

The display module 702 is further configured to switch the secure payment code to the original payment code.

In a feasible implementation manner, the display module 702 is configured to, when the terminal device receives the scanning light signal of the scanning device, determine that the terminal device is scanned, and determine the distance between the scanning device and the terminal device.

In a feasible implementation manner, the display module 702 is configured to determine that the terminal device receives the scanning optical signal of the scanning device when the intensity change of the optical signal received by the terminal device is greater than or equal to the second preset value.

In a feasible implementation manner, the display module 702 is used for:

Determine the closest obstacle to the terminal equipment;

The distance between the nearest obstacle and the terminal device is determined as the distance between the scanning device and the terminal device.

In a feasible implementation manner, the display module 702 is used for:

Take an image of the direction of the scanning light signal;

The distance between the scanning device and the terminal device is determined according to the image of the scanning light signal direction.

In a feasible implementation manner, the security processing module 703 is further configured to:

Make sure that the payment code security protection mode of the terminal device is turned on.

In a feasible implementation manner, the display module 702 is used for:

If the distance is greater than the first preset value, prompt information is output, and the prompt information is used to prompt the user that the payment code is illegally scanned.

In a feasible implementation manner, the prompt information is at least one of text information, voice information and lighting information.

In a feasible implementation manner, the security processing module 703 is used for:

Perform virtual image processing on all or part of the original payment code to obtain a secure payment code image with a lower definition than the original payment code;

Encrypt the image of the original payment code to obtain a secure payment code;

Cover all or part of the original payment code to obtain a secure payment code;

Perform image stretching and deformation processing on all or part of the original payment code to obtain a secure payment code.

In a feasible implementation manner, the payment code is a barcode or a two-dimensional code.

The device of this embodiment can be used to execute the secure payment method of any of the above method embodiments, and the implementation principle and technical effect thereof are similar, which will not be repeated here.

FIG. 10 is a schematic structural diagram of a terminal device provided by this application. As shown in FIG. 10 , the terminal device 80 includes: a memory 801 , a processor 802 and a computer program stored in the memory 801 and running on the processor 802 . When the computer program is executed by the processor 802 , any of the above embodiments can be implemented. steps of the method. The memory 801 and the processor 802 may be connected by a bus 803 .

The present application also provides a device comprising: a memory, a processor and a computer program stored in the memory and executable on the processor, the computer program implementing the steps of the above method when executed by the processor.

The present application also provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method in any of the above embodiments are implemented.

The embodiments of the present application also provide a computer program product, the computer program product includes computer program code, when the computer program code is executed on a computer, the computer program code causes the computer to execute the above methods in various possible implementation manners.

An embodiment of the present application also provides a chip, including a memory and a processor, where the memory is used to store a computer program, and the processor is used to call and run the computer program from the memory, so that a device installed with the chip can perform various possible operations as described above. method in an embodiment.

Other embodiments of the present application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. The examples of this application are intended to cover any variations, uses or adaptations of this application that follow the general principles of this application and include common knowledge or common knowledge in the technical field not disclosed in this application. conventional technical means. The specification and examples are to be regarded as exemplary only, with the true scope and spirit of the application being indicated by the following claims.

It is to be understood that the present application is not limited to the precise structures described above and shown in the accompanying drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of this application is limited only by the appended claims.

Claims (11)

1. a safe payment method, applied to terminal equipment, is characterized in that, comprises: Receive payment code display request, and generate original payment code; When it is detected that the terminal device is scanned, if the distance between the scanning device and the terminal device is less than or equal to a first preset value, the original payment code is displayed. 2. The method according to claim 1, wherein after generating the original payment code, the method further comprises: After processing the image of the original payment code, a secure payment code is obtained; The secure payment code is displayed. 3. The method according to claim 1 or 2, wherein the detecting that the terminal device is scanned comprises: If the terminal device receives the scanning light signal of the scanning device, determine that the terminal device is scanned; The method also includes: Determine the distance between the scanning device and the terminal device. 4. The method according to claim 3, wherein the terminal device receives the scanning optical signal of the scanning device, comprising: If the intensity change of the optical signal received by the terminal device is greater than or equal to the second preset value, it is determined that the terminal device has received the scanning optical signal of the scanning device. 5. The method according to claim 3, wherein the determining the distance between the scanning device and the terminal device comprises: determine the closest obstacle to the terminal device; The distance between the closest obstacle and the terminal device is determined as the distance between the scanning device and the terminal device. 6. The method according to claim 3, wherein the determining the distance between the scanning device and the terminal device comprises: photographing an image in the direction of the scanning light signal; The distance between the scanning device and the terminal device is determined according to the image of the direction of the scanning light signal. 7. The method according to claim 2, characterized in that, before the secure payment code is obtained after the image of the original payment code is processed, the method further comprises: It is determined that the payment code security protection mode of the terminal device is enabled. 8. The method according to claim 1 or 2, wherein the method further comprises: If the distance is greater than the first preset value, prompt information is output, where the prompt information is used to prompt the user that the payment code is illegally scanned. 9. The method according to claim 2, wherein the processing of the original payment code to obtain a secure payment code comprises at least one of the following: Perform virtual image processing on all or part of the image of the original payment code to obtain a secure payment code with a lower definition than the original payment code; Encrypting the image of the original payment code to obtain the secure payment code; Covering all or part of the image of the original payment code to obtain the secure payment code; Perform image stretching and deformation processing on all or part of the original payment code to obtain the secure payment code. 10. A terminal device, comprising: a memory and a processor; the memory is used for storing a computer program; when the processor is used for executing the computer program, it implements any one of claims 1 to 9 the method described. 11. A computer-readable storage medium on which a computer program is stored, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 9 is implemented.

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