CN106204039A - A kind of safe payment method and system - Google Patents
A kind of safe payment method and system Download PDFInfo
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- CN106204039A CN106204039A CN201610510838.4A CN201610510838A CN106204039A CN 106204039 A CN106204039 A CN 106204039A CN 201610510838 A CN201610510838 A CN 201610510838A CN 106204039 A CN106204039 A CN 106204039A
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- numerical ciphers
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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 discloses a kind of safe payment method and system, including: open payment software, obtain the numerical ciphers of described payment software and hand motion information time user inputs described numerical ciphers, if described numerical ciphers is correct, and described hand motion information and default behavior password match, then carry out delivery operation；Hand motion information when user inputs numerical ciphers, as the personalized behavior password of user, just can carry out delivery operation when this numerical ciphers and behavior password are all correct, enhance the safety of network payment, simple to operate, convenient and swift.
Description
Technical field
The present invention relates to network payment technical field, particularly relate to a kind of safe payment method and system.
Background technology
At present, along with the facilitation of network payment, increasing people selects by payment terminal, such as mobile phone, PAD etc. or
Intelligent worn device, such as the payment software installed in intelligent watch, such as Alipay, Web bank etc. carries out paying, remittance etc. is handed over
Easily, it is traded by payment software convenient and swift, but in most cases to have only to input a numeral close due to user
Code can complete pay, safety is the highest, but and those comparatively safe methods are the most loaded down with trivial details, bring bad user's body
Test.
Summary of the invention
It is an object of the invention to propose a kind of safe payment method and system, when numerical ciphers is correct and inputs this numeral
Just can carry out delivery operation during hand motion information matches during password, enhance the safety of network payment, simple to operate, side
The most quick.
For reaching this purpose, the present invention by the following technical solutions:
On the one hand, the present invention proposes a kind of safe payment method, including:
Open payment software software, obtain the numerical ciphers of described payment software and time user inputs described numerical ciphers
Hand motion information；
If described numerical ciphers is correct, and described hand motion information and default behavior password match, then carry out paying behaviour
Make.
Wherein, described hand motion information includes finger gesture information and/or list action information.
Wherein, the hand motion when numerical ciphers of the described payment software of described acquisition and user input described numerical ciphers
Information particularly as follows:
Obtain the numerical ciphers of described payment software；
Obtain described finger gesture information when user inputs described numerical ciphers and/or the intelligence bound with this payment terminal
The described list action information that energy wearable device detects.
Wherein, described in open payment software, obtain the numerical ciphers of described payment software and user to input described numeral close
Before hand motion information during code, also include:
Obtain hand motion information when user several times inputs described numerical ciphers, according to described hand motion information,
Described default behavior password is determined by self-learning algorithm.
Wherein, if described numerical ciphers is correct, and described hand motion information and default behavior password match, then enter
After row delivery operation, also include:
According to described hand motion information, by self-learning algorithm, described default behavior password is updated.
Wherein, if described numerical ciphers is correct, and described hand motion information and default behavior password match, then enter
Before row delivery operation, also include:
Judge that described numerical ciphers is the most correct, it is judged that whether described hand motion information mates with default behavior password.
On the other hand, the present invention proposes a kind of safety payment system, including:
Interface opening module, is used for opening payment software；
Numerical ciphers acquisition module, for obtaining the numerical ciphers of described payment software；
Movable information acquisition module, for obtaining hand motion information when user inputs described numerical ciphers；
Password match module, if correct for described numerical ciphers, and described hand motion information and default behavior password
Coupling, then carry out delivery operation.
Wherein, described movable information acquisition module includes:
Finger gesture sensor, for obtaining finger gesture information when user inputs described numerical ciphers；And/or
Wrist information acquisition module, the wrist that the Intelligent worn device for obtaining with the binding of this payment terminal detects is moved
Make information.
Wherein, also include:
Behavior password determines module, for obtaining hand motion information when user several times inputs described numerical ciphers,
According to described hand motion information, determine described default behavior password by self-learning algorithm.
Wherein, also include:
Behavior password update module, for according to described hand motion information, by self-learning algorithm to described default row
It is updated for password.
What the technical scheme that the present invention provides was brought has the beneficial effect that
One safe payment method of the present invention and system, including: open payment software, obtain the numeral of described payment software
Password and user input hand motion information during described numerical ciphers, if described numerical ciphers is correct, and described hand motion
Information and default behavior password match, then carry out delivery operation；Hand motion information when user is inputted numerical ciphers as
The personalized behavior password of user, just can carry out delivery operation when this numerical ciphers and behavior password are all correct, enhance net
The safety that network pays, simple to operate, convenient and swift.
Accompanying drawing explanation
Fig. 1 is the method flow diagram of the present invention first embodiment of a kind of safe payment method.
Fig. 2 is the method flow diagram of the present invention second embodiment of a kind of safe payment method.
Fig. 3 is the structural representation of the present invention first embodiment of a kind of safety payment system.
Fig. 4 is the structural representation of the present invention second embodiment of a kind of safety payment system.
Detailed description of the invention
Further illustrate technical scheme below in conjunction with the accompanying drawings and by detailed description of the invention.
Embodiment one
It is the method flow diagram of the present invention first embodiment of a kind of safe payment method with reference to Fig. 1, Fig. 1.
In the first embodiment, this safe payment method includes:
S101, opens payment software, obtains the numerical ciphers of described payment software and time user inputs described numerical ciphers
Hand motion information；
Above-mentioned payment software, has only to input number as Alipay, Web bank be not in the case of having special setting
Word password can complete to pay, and installs this payment software, user in payment terminal, such as mobile phone, PAD or Intelligent worn device
Carrying out transaction such as paying, transfer accounts easily, but the safety of this means of payment is the highest, there is risk in the transaction of user.
Different users is due to the difference of personal habits, and the hand motion when inputting the numerical ciphers of payment software is individual
Property and there is certain regularity, capture the customized information that this hand motion is total, using this customized information as with
Family carries out behavior password during delivery operation.
S102, if described numerical ciphers is correct, and described hand motion information and default behavior password match, is then carried out
Pay operation.
During user inputs numerical ciphers, catch hand motion when user inputs this numerical ciphers simultaneously and believe
Breath, using this hand motion information as the behavior password of user, during carrying out password authentification, inputs user simultaneously
Numerical ciphers and behavior password are verified, if this numerical ciphers is correct, and behavior password is consistent with default behavior password, can
To carry out delivery operation, otherwise, it is impossible to carry out delivery operation.
Above-mentioned hand motion information includes finger gesture information and/or list action information, and user passes through payment terminal, as
When mobile phone pays, the motion sensor arranged in mobile phone, such as gravity sensor and gyroscope, the shape of mobile phone can be detected
State information, such as angle of inclination, thus detects the finger gesture information of handheld mobile phone.Due to it is said that in general, user's handheld mobile phone
The finger gesture of Shi Butong can cause different terminal attitudes, therefore can determine finger gesture by detection terminal attitude.
Meanwhile, popularizing, as Intelligent bracelet and intelligent watch etc. all can make with handset binding along with Intelligent worn device
With, information sharing, and above-mentioned Intelligent worn device all can detect the movement state information of user, accurately including wrist
Action message, when user carries out delivery operation by mobile phone, if custom wears the Intelligent bracelet with this handset binding, this intelligence
Bracelet detects user's list action information during input numerical ciphers, and then this Intelligent bracelet is actively sent to hands
Machine or mobile phone actively read this list action information, this list action information and above-mentioned finger gesture information are separately or cooperatively made
Behavior password for delivery operation；If user does not wear the custom of above-mentioned Intelligent worn device, using finger gesture information as
The behavior password of delivery operation, the most above-mentioned default behavior password.
To sum up, a kind of safe payment method of the present embodiment, open payment software, the numeral obtaining described payment software is close
Code and user input hand motion information during described numerical ciphers, if described numerical ciphers is correct, and described hand motion letter
Breath and default behavior password match, then carry out delivery operation；Hand motion information when user is inputted numerical ciphers as with
The personalized behavior password at family, just can carry out delivery operation when numerical ciphers and behavior password are all correct, enhance network and prop up
The safety paid, simple to operate, convenient and swift.
Embodiment two
It is the method flow diagram of the present invention second embodiment of a kind of safe payment method with reference to Fig. 2, Fig. 2.
In a second embodiment, this safe payment method includes:
S201, obtains hand motion information when user several times inputs described numerical ciphers, according to described hand motion
Information, determines described default behavior password by self-learning algorithm；
Before carrying out behavior password authentification, obtain user's hand motion during input numerical ciphers several times
Information, carries out the process of self-learning algorithm, finds the common ground of this hand motion information this hand motion information, as
User's behavior password when carrying out delivery operation, the most above-mentioned default behavior password.
This self-learning algorithm can be artificial neural network algorithm, genetic algorithm etc..
S202, opens payment software；
S203, obtains the numerical ciphers of described payment software；
S204, acquisition user inputs hand motion information during described numerical ciphers, and described hand motion information includes hands
Refer to attitude information and/or list action information；
If user habit is worn and the Intelligent worn device of payment terminal binding, user is during input numerical ciphers
This payment terminal can read the finger gesture information of hand-held payment terminal simultaneously and the intelligence bound with this payment terminal is worn
The list action information that the equipment of wearing reads, moves this finger gesture information and list action information collectively as the hand of user
Make information, through the collection of signal several times, find the common ground of this hand motion information, paying as user
Behavior password during operation, the most above-mentioned default behavior password, after this default behavior password is formed, it is soft that user reuses payment
During part, its finger gesture information and list action information just need to can carry out delivery operation with this default behavior password match.
S205, it is judged that described numerical ciphers is the most correct, if so, enters step S206；
S206, it is judged that whether described hand motion information mates with default behavior password, if so, enters step S207；
Perfect along with Intelligent worn device function, part Intelligent worn device, as perfect in shape and function intelligent watch
Network payment can be implemented separately, and when user uses intelligent watch to carry out network payment, user is in the mistake of input numerical ciphers
Cheng Zhong, the list action information of the motion sensor Real-time Collection being arranged in intelligent watch to user, when this numerical ciphers just
Really and this list action information with default behavior password match in intelligent watch time, just can carry out delivery operation, increase is passed through
Intelligent worn device carries out the safety of network payment.
S207, carries out delivery operation；
S208, according to described hand motion information, is updated described default behavior password by self-learning algorithm.
After default behavior password determines, continue the hand motion information obtaining each user at input numerical ciphers,
Behavior password is further updated or is adjusted so that it is more personalized and customization, the means of payment of double code
Improve user's payment safety, the most do not increase operation burden, as same layer stealth is protected, add the interest of delivery operation
Taste.
To sum up, the present embodiment one safe payment method, obtain hand when user several times inputs described numerical ciphers
Action message, according to described hand motion information, determines described default behavior password by self-learning algorithm, in this default behavior
Password determine after delivery operation in, need the double verification of numerical ciphers and this default behavior password by just carrying out
Pay operation, and input hand motion information during numerical ciphers according to user and persistently this default behavior password is updated more
Newly so that it is more personalized and customization；This method increase the safety of network payment, simple to operate, do not increase to user
The interest of delivery operation is added while operation burden.
Embodiment three
It is the structural representation of the present invention first embodiment of a kind of safety payment system with reference to Fig. 3, Fig. 3.
In the third embodiment, this safety payment system includes:
Interface opening module 01, is used for opening payment software；
Numerical ciphers acquisition module 02, for obtaining the numerical ciphers of described payment software；
Movable information acquisition module 03, for obtaining hand motion information when user inputs described numerical ciphers；
Password match module 04, if correct for described numerical ciphers, and described hand motion information is close with default behavior
Code coupling, then carry out delivery operation.
During carrying out numerical ciphers checking, carry out the coupling of above-mentioned default behavior password simultaneously, if user's input
Hand motion information during this numerical ciphers is consistent with this default behavior password, and user can carry out delivery operation.
To sum up, a kind of safety payment system of the present embodiment, open payment software, the numeral obtaining described payment software is close
Code and user input hand motion information during described numerical ciphers, if described numerical ciphers is correct, and described hand motion letter
Breath and default behavior password match, then carry out delivery operation；Hand motion information when user is inputted numerical ciphers as with
The personalized behavior password at family, just can carry out delivery operation when numerical ciphers and behavior password are all correct, enhance network and prop up
The safety paid, simple to operate, convenient and swift.
Embodiment four
It is the structural representation of the present invention second embodiment of a kind of safety payment system with reference to Fig. 4, Fig. 4.
On the basis of the 3rd embodiment, described movable information acquisition module 03 includes:
Finger gesture sensor 031, for obtaining finger gesture information when user inputs described numerical ciphers；And/or
Wrist information acquisition module 032, the hands that the Intelligent worn device for obtaining with the binding of this payment terminal detects
Wrist action message.
The different users hand motion when inputting numerical ciphers is different, and such as some user habit holds hands on the other hand
Machine, carries out the input of numerical ciphers with the forefinger of an other hands；Some user is then accustomed to holding mobile phone, with this hands on the other hand
Thumb carries out the input of teaching aid puzzle；Some user habit both hands holds mobile phone, carries out numeral with the thumb of two handss close
The input of code, payment terminal and the Intelligent worn device bound with this payment terminal can detect these personalized handss of user
Portion's action message, user is repeatedly inputted numerical ciphers hand motion information common ground as user input numerical ciphers time
Behavior password, i.e. preset behavior password.
This safety payment system also includes:
Behavior password determines module 05, for obtaining hand motion letter when user several times inputs described numerical ciphers
Breath, according to described hand motion information, determines described default behavior password by self-learning algorithm.
Behavior password update module 06, for according to described hand motion information, presetting described by self-learning algorithm
Behavior password is updated.
To sum up, the present embodiment one safety payment system, obtain hand when user several times inputs described numerical ciphers
Action message, according to described hand motion information, determines described default behavior password by self-learning algorithm, in this default behavior
Password determine after delivery operation in, need the double verification of numerical ciphers and this default behavior password by just carrying out
Pay operation, and input hand motion information during numerical ciphers according to user and persistently this default behavior password is updated more
Newly so that it is more personalized and customization；This method increase the safety of network payment, simple to operate, do not increase to user
The interest of delivery operation is added while operation burden.
The know-why of the present invention is described above in association with specific embodiment.These describe and are intended merely to explain the present invention's
Principle, and limiting the scope of the invention can not be construed to by any way.Based on explanation herein, the technology of this area
Personnel need not pay performing creative labour can associate other detailed description of the invention of the present invention, and these modes fall within
Within protection scope of the present invention.
Claims (10)
1. a safe payment method, it is characterised in that including:
Open payment software, obtain the numerical ciphers of described payment software and hand motion time user inputs described numerical ciphers
Information；
If described numerical ciphers is correct, and described hand motion information and default behavior password match, then carry out delivery operation.
Method the most according to claim 1, it is characterised in that described hand motion information include finger gesture information and/
Or list action information.
Method the most according to claim 2, it is characterised in that the numerical ciphers of the described payment software of described acquisition and user
Hand motion information when inputting described numerical ciphers particularly as follows:
Obtain the numerical ciphers of described payment software；
Obtain the user's described finger gesture information when inputting described numerical ciphers and/or the intelligence bound with this payment terminal is worn
Wear the described list action information that equipment Inspection is arrived.
Method the most according to claim 1, it is characterised in that described in open payment software, obtain described payment software
Before hand motion information when numerical ciphers and user input described numerical ciphers, also include:
Obtain hand motion information when user several times inputs described numerical ciphers, according to described hand motion information, pass through
Self-learning algorithm determines described default behavior password.
Method the most according to claim 1, it is characterised in that if described numerical ciphers is correct, and described hand moves
Make information and default behavior password match, then, after carrying out delivery operation, also include:
According to described hand motion information, by self-learning algorithm, described default behavior password is updated.
Method the most according to claim 1, it is characterised in that if described numerical ciphers is correct, and described hand moves
Make information and default behavior password match, then, before carrying out delivery operation, also include:
Judge that described numerical ciphers is the most correct, it is judged that whether described hand motion information mates with default behavior password.
7. a safety payment system, it is characterised in that including:
Interface opening module, is used for opening payment software；
Numerical ciphers acquisition module, for obtaining the numerical ciphers of described payment software；
Movable information acquisition module, for obtaining hand motion information when user inputs described numerical ciphers；
Password match module, if correct for described numerical ciphers, and described hand motion information and default behavior password match,
Then carry out delivery operation.
System the most according to claim 7, it is characterised in that described movable information acquisition module includes:
Finger gesture sensor, for obtaining finger gesture information when user inputs described numerical ciphers；And/or
Wrist information acquisition module, the list action letter that the Intelligent worn device for obtaining with the binding of this payment terminal detects
Breath.
System the most according to claim 7, it is characterised in that also include:
Behavior password determines module, for obtaining hand motion information when user several times inputs described numerical ciphers, according to
Described hand motion information, determines described default behavior password by self-learning algorithm.
System the most according to claim 7, it is characterised in that also include:
Behavior password update module, for according to described hand motion information, close to described default behavior by self-learning algorithm
Code is updated.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610510838.4A CN106204039A (en) | 2016-06-30 | 2016-06-30 | A kind of safe payment method and system |
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| CN201610510838.4A CN106204039A (en) | 2016-06-30 | 2016-06-30 | A kind of safe payment method and system |
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| CN106204039A true CN106204039A (en) | 2016-12-07 |
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| CN201610510838.4A Pending CN106204039A (en) | 2016-06-30 | 2016-06-30 | A kind of safe payment method and system |
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| CN104765995A (en) * | 2015-04-24 | 2015-07-08 | 福建师范大学 | Intelligent device identity authentication method and client side based on touch screen operation |
| CN104850769A (en) * | 2015-04-27 | 2015-08-19 | 小米科技有限责任公司 | Method and device for executing operation |
| CN105279405A (en) * | 2015-10-28 | 2016-01-27 | 同济大学 | Keypress behavior pattern construction and analysis system of touch screen user and identity recognition method thereof |
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2016
- 2016-06-30 CN CN201610510838.4A patent/CN106204039A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140201271A1 (en) * | 2013-01-13 | 2014-07-17 | Qualcomm Incorporated | User generated rating by machine classification of entity |
| CN104408341A (en) * | 2014-11-13 | 2015-03-11 | 西安交通大学 | Smart phone user identity authentication method based on gyroscope behavior characteristics |
| CN104765995A (en) * | 2015-04-24 | 2015-07-08 | 福建师范大学 | Intelligent device identity authentication method and client side based on touch screen operation |
| CN104850769A (en) * | 2015-04-27 | 2015-08-19 | 小米科技有限责任公司 | Method and device for executing operation |
| CN105279405A (en) * | 2015-10-28 | 2016-01-27 | 同济大学 | Keypress behavior pattern construction and analysis system of touch screen user and identity recognition method thereof |
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Application publication date: 20161207 |