CN106600278A

CN106600278A - Mobile payment device and method

Info

Publication number: CN106600278A
Application number: CN201611100593.4A
Authority: CN
Inventors: 翁斐
Original assignee: Nubia Technology Co Ltd
Current assignee: Nubia Technology Co Ltd
Priority date: 2016-12-01
Filing date: 2016-12-01
Publication date: 2017-04-26

Abstract

The invention discloses a mobile payment device and method. The mobile payment device comprises: a first acquisition module that acquires the IMEI number of a mobile terminal when a mobile payment request of the mobile terminal is received; a first verification module that verifies whether the IMEI number of the mobile terminal is the same as an IMEI number of the mobile terminal stored in a server; a second acquisition module used for acquire the service provider information of a base station to which the mobile terminal belongs and the number information of the mobile terminal if the two IMEI numbers are the same; a second verification module used for acquiring whether the service provider information and the number information of the mobile terminal are consistent with the information stored in the server; and a payment module used for prompting the user the payment verification when the service provider information and the number information of the mobile terminal are consistent with the information stored in the server. The mobile payment device and method greatly increase the security of a mobile payment process, and greatly reduce the property loss caused by the theft of a mobile phone or the theft of a mobile payment account.

Description

Method of mobile payment and device

Technical field

The present invention relates to mobile payment technical field, more particularly to a kind of method of mobile payment and device.

Background technology

With the development of mobile terminal technology, mobile payment has spread all over each corner of people's currently life.Mobile Pay as a kind of quite easily means of payment, make people go out without or only carry a small amount of cash and all kinds of bank cards, completely All kinds of consuming behavior can just be completed using mobile payment.

But the safety issue of mobile payment is also a lot, it is stolen mobile payment account often occur, and steals brush behavior. Existing mobile payment means only need to be simply input payment cipher or carry out completing to disappear by mobile phone note verification code is verified Take, but, these information are likely to be usurped by lawless person.

Also have using the fingerprint means of payment at present, fingerprint payment is a comparatively safe verification handss of current mobile payment Section.But current fingerprint pays the client checks for being only only limitted to unique fingerprint, and the finger print information of single finger, easily It is replicated, lawless person can utilize the fingerprint film of the single finger for replicating to move payment and steal user's proprietary information.

The content of the invention

Present invention is primarily targeted at proposing a kind of method of mobile payment and device, it is intended to improve the safety of mobile payment Property.

For achieving the above object, a kind of mobile payment device that the present invention is provided, including：

First acquisition module, during for asking in the mobile payment for receiving mobile terminal, obtains the mobile terminal IMEI number；

First correction verification module, for verifying the IMEI of the IMEI number of the mobile terminal and the mobile terminal of server storage It is number whether consistent；

Second acquisition module, if the IMEI number of the mobile terminal for the IMEI number and server storage of the mobile terminal Unanimously, then obtain the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station；

Second correction verification module, for verifying the operator's informaiton and current mobile terminal of current mobile terminal own base station Number information, it is whether consistent with the number information of the operator's informaiton of server storage and mobile terminal；；

Payment module, for the number of operator's informaiton and current mobile terminal in current mobile terminal own base station Information, when consistent with the number information of the operator's informaiton of server storage and mobile terminal, points out user to carry out payment verification, Complete mobile payment operation.

Alternatively, described device also includes：

3rd correction verification module, for the IMEI number in the mobile terminal and the IMEI number of the mobile terminal of server storage When inconsistent, the first finger print information for pointing out user input accordingly to number verifies first finger print information and server storage Finger print information it is whether consistent；If first finger print information is consistent with the finger print information of server storage, by the payment Module prompts user carries out payment cipher and/or the checking of the second finger print information, completes mobile payment operation；If first fingerprint Information is inconsistent with the finger print information of server storage, then point out mobile payment failure.

Alternatively, the payment module, is additionally operable to send payment failure information to former reserved mobile terminal number, and locks Current account.

Alternatively, described device also includes：

Update module, occurs for the base station operator's informaiton in user, mobile terminal number information and/or IMEI information During variation, transition information is uploaded in the server.

Alternatively, described device also includes：

Fingerprint typing module, for by the multiple different finger print information typing servers of user, and to the plurality of difference Finger print information is marked numbering.

The embodiment of the present invention also proposes a kind of method of mobile payment, including：

When the mobile payment for receiving mobile terminal is asked, the IMEI number of the mobile terminal is obtained；

Whether the IMEI number for verifying the IMEI number of the mobile terminal and the mobile terminal of server storage is consistent；

If the IMEI number of the mobile terminal is consistent with the IMEI number of the mobile terminal of server storage, obtain when reach The number information of the operator's informaiton and current mobile terminal of dynamic terminal own base station；

The number information of the operator's informaiton and current mobile terminal of verification current mobile terminal own base station, with service Whether the operator's informaiton of device storage is consistent with the number information of mobile terminal；

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server The operator's informaiton of storage is consistent with the number information of mobile terminal, then point out user to carry out payment verification, complete mobile payment Operation.

Alternatively, whether the IMEI number of the mobile terminal of the IMEI number and server storage of the verification mobile terminal Also include after consistent step：

If the IMEI number of the mobile terminal is inconsistent with the IMEI number of the mobile terminal of server storage, user is pointed out First finger print information of the corresponding numbering of input, verifies the finger print information of first finger print information and server storage whether Cause；

If first finger print information is consistent with the finger print information of server storage, execution step prompting user carry out propping up Password and/or the checking of the second finger print information are paid, mobile payment operation is completed；If first finger print information and server storage Finger print information is inconsistent, then point out mobile payment failure；

The number information of the operator's informaiton and current mobile terminal of the verification current mobile terminal own base station, with Also include after the operator's informaiton of the server storage step whether consistent with the number information of mobile terminal：

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server The number information of the operator's informaiton and mobile terminal of storage is inconsistent, then execution step prompting user input accordingly numbering the One finger print information, verifies first finger print information whether consistent with the finger print information of server storage.

Alternatively, also include in the step of prompting mobile payment fails：

Send and failure information is paid to former reserved mobile terminal number, and lock current account.

Alternatively, methods described also includes：

In the base station operator's informaiton of user, when mobile terminal number information and/or IMEI information change, will change Information is uploaded in the server.

Alternatively, also included before the step of mobile payment for receiving mobile terminal is asked：

By the multiple different finger print information typing servers of user, and volume is marked to the plurality of different finger print informations Number.

A kind of method of mobile payment proposed by the present invention and device, when the mobile payment for receiving mobile terminal is asked, Obtain the IMEI number of mobile terminal；The IMEI number of the mobile terminal of IMEI number and the server storage of verification mobile terminal whether one Cause；If the IMEI number of the mobile terminal is consistent with the IMEI number of the mobile terminal of server storage, obtain current mobile whole The number information of the operator's informaiton and current mobile terminal of end own base station；The fortune of verification current mobile terminal own base station The number information of battalion's business's information and current mobile terminal, is believed with the number of the operator's informaiton and mobile terminal of server storage Whether breath is consistent；If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with clothes The operator's informaiton of business device storage is consistent with the number information of mobile terminal, then point out user to carry out payment verification, complete movement Delivery operation, thus, by multiple check means are arranged during mobile payment, greatly increases the safety of mobile payment process Property, user is largely reduced in the stolen caused property loss of hand-set from stolen or mobile payment account.Additionally, After completing verification, terminal IMEI of user's variation, operator's informaiton, phone number information etc. can also be uploaded onto the server In, be also added to when next mobile payment is carried out verification compare in, such that it is able to reduce each mobile payment all carry out it is multiple The triviality of finger-mark check.

Description of the drawings

Fig. 1 is the hardware architecture diagram of an optional mobile terminal for realizing each embodiment of the invention；

Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1；

Fig. 3 is the module diagram of mobile payment device first embodiment of the present invention；

Fig. 4 is the module diagram of mobile payment device second embodiment of the present invention；

Fig. 5 is the module diagram of mobile payment device 3rd embodiment of the present invention；

Fig. 6 is the module diagram of mobile payment device fourth embodiment of the present invention；

Fig. 7 is the schematic flow sheet of method of mobile payment first embodiment of the present invention；

Fig. 8 is the schematic flow sheet of method of mobile payment second embodiment of the present invention；

Fig. 9 is the schematic flow sheet of method of mobile payment 3rd embodiment of the present invention；

Figure 10 is the schematic flow sheet of method of mobile payment fourth embodiment of the present invention.

The realization of the object of the invention, functional characteristics and advantage will be described further in conjunction with the embodiments referring to the drawings.

Specific embodiment

It should be appreciated that specific embodiment described herein is not intended to limit the present invention only to explain the present invention.

Embodiment of the present invention scheme is related to the safety check of mobile payment, is mainly used in mobile terminal.

The mobile terminal of each embodiment of the invention is realized referring now to Description of Drawings.In follow-up description, use For representing the suffix of such as " module ", " part " or " unit " of element only for being conducive to the explanation of the present invention, itself Not specific meaning.Therefore, " module " mixedly can be used with " part ".

Mobile terminal can be implemented in a variety of manners.For example, the terminal described in the present invention can include such as moving Phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (panel computer), PMP The mobile terminal of (portable media player), guider etc. and such as numeral TV, desk computer etc. are consolidated Determine terminal.Hereinafter it is assumed that terminal is mobile terminal.However, it will be understood by those skilled in the art that, except being used in particular for movement Outside the element of purpose, construction according to the embodiment of the present invention can also apply to the terminal of fixed type.

Fig. 1 is the hardware architecture diagram of an optional mobile terminal for realizing each embodiment of the invention.

Mobile terminal 1 00 can include wireless communication unit 110, user input unit 130, output unit 150, memorizer 160th, interface unit 170, controller 180 and power subsystem 190 etc..Fig. 1 shows the mobile terminal with various assemblies, but It is to should be understood that, it is not required that implement all components for illustrating.More or less of component can alternatively be implemented.Will be under Face describes the element of mobile terminal in detail.

Wireless communication unit 110 generally includes one or more assemblies, and which allows mobile terminal 1 00 and wireless communication system Or the radio communication between network.For example, wireless communication unit can include broadcasting reception module 111, wireless Internet mould At least one of block 113.

Broadcasting reception module 111 receives broadcast singal and/or broadcast from external broadcast management server via broadcast channel Relevant information.Broadcast channel can include satellite channel and/or terrestrial channel.Broadcast management server can be generated and sent The broadcast singal generated before the server or reception of broadcast singal and/or broadcast related information and/or broadcast related information And send it to the server of terminal.Broadcast singal can include TV broadcast singals, radio signals, data broadcasting Signal etc..And, broadcast singal may further include the broadcast singal combined with TV or radio signals.Broadcast phase Pass information can also be provided via mobile communications network, and in this case, broadcast related information can be by mobile communication mould Block 112 is receiving.Broadcast singal can be present in a variety of manners, and for example, which can be with the electronics of DMB (DMB) The form of program guide (EPG), the electronic service guidebooks (ESG) of digital video broadcast-handheld (DVB-H) etc. and exist.Broadcast Receiver module 111 can receive signal broadcast by using various types of broadcast systems.Especially, broadcasting reception module 111 Can be wide by using such as multimedia broadcasting-ground (DMB-T), DMB-satellite (DMB-S), digital video Broadcast-hand-held (DVB-H), forward link media (MediaFLO^@) Radio Data System, received terrestrial digital broadcasting integrated service Etc. (ISDB-T) digit broadcasting system receives digital broadcasting.Broadcasting reception module 111 may be constructed such that and be adapted to provide for extensively Broadcast the various broadcast systems and above-mentioned digit broadcasting system of signal.Via broadcasting reception module 111 receive broadcast singal and/ Or broadcast related information can be stored in memorizer 160 (or other types of storage medium).

Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.The module can be internally or externally It is couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by the module can including WLAN (WLAN) (Wi-Fi), Wibro (WiMAX), Wimax (worldwide interoperability for microwave accesses), HSDPA (high-speed downlink packet access) etc..

User input unit 130 can generate key input data to control each of mobile terminal according to the order of user input Plant operation.User input unit 130 allows the various types of information of user input, and can include keyboard, metal dome, touch Plate (for example, detection is due to the sensitive component of the change of touched and caused resistance, pressure, electric capacity etc.), roller, rocking bar etc. Deng.Especially, when touch pad is superimposed upon on display unit 151 in the form of layer, touch screen can be formed.

Interface unit 170 is connected the interface that can pass through as at least one external device (ED) with mobile terminal 1 00.For example, External device (ED) can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or nothing Line FPDP, memory card port, the port for device of the connection with identification module, audio input/output (I/O) end Mouth, video i/o port, ear port etc..Identification module can be that storage uses each of mobile terminal 1 00 for verifying user Kind of information and subscriber identification module (UIM), client identification module (SIM), Universal Subscriber identification module (USIM) can be included Etc..In addition, the device with identification module (hereinafter referred to as " identifying device ") can take the form of smart card, therefore, know Other device can be connected with mobile terminal 1 00 via port or other attachment means.Interface unit 170 can be used for receive from The input (for example, data message, electric power etc.) of external device (ED) and the input for receiving is transferred in mobile terminal 1 00 One or more elements can be used for the transmission data between mobile terminal and external device (ED).

In addition, when mobile terminal 1 00 is connected with external base, interface unit 170 can serve as allowing to pass through which by electricity Power provides the path of mobile terminal 1 00 from base or can serve as allowing from base the various command signals being input into pass through which It is transferred to the path of mobile terminal.Can serve as recognizing that mobile terminal is from the various command signals or electric power of base input The no signal being accurately fitted within base.

Output unit 150 is configured to provide output signal (for example, audio frequency letter with vision, audio frequency and/or tactile manner Number, video signal, alarm signal, vibration signal etc.).Output unit 150 can include display unit 151, audio output mould Block 152 etc..

The information that display unit 151 is processed in may be displayed on mobile terminal 1 00.For example, when mobile terminal 1 00 is in electricity During words call mode, display unit 151 can show and converse or other communicate (for example, text messaging, multimedia files Download etc.) related user interface (UI) or graphic user interface (GUI).When mobile terminal 1 00 is in video calling pattern Or during image capture mode, display unit 151 can show the image of capture and/or the image of reception, illustrate video or figure UI or GUI of picture and correlation function etc..

Meanwhile, when the display unit 151 and touch pad touch screen with formation superposed on one another in the form of layer, display unit 151 can serve as input equipment and output device.Display unit 151 can include liquid crystal display (LCD), thin film transistor (TFT) In LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc. at least It is a kind of.Some in these display may be constructed such that transparence to allow user from outside viewing, and this is properly termed as transparent Display, typical transparent display can be, for example, TOLED (transparent organic light emitting diode) display etc..According to specific The embodiment wanted, mobile terminal 1 00 can include two or more display units (or other display devices), for example, move Dynamic terminal can include outernal display unit (not shown) and inner display unit (not shown).Touch screen can be used for detection and touch Input pressure and touch input position and touch input area.

Dio Output Modules 152 can mobile terminal in call signal reception pattern, call mode, logging mode, It is when under the isotypes such as speech recognition mode, broadcast reception mode, that wireless communication unit 110 is received or in memorizer 160 The voice data transducing audio signal of middle storage and it is output as sound.And, dio Output Modules 152 can be provided and movement The audio output (for example, call signal receives sound, message sink sound etc.) of the specific function correlation that terminal 100 is performed. Dio Output Modules 152 can include speaker, buzzer etc..

Memorizer 160 can store software program for the process and control operation performed by controller 180 etc., Huo Zheke With the data (for example, telephone directory, message, still image, video etc.) for temporarily storing own Jing outputs or will export.And And, memorizer 160 can be storing the vibration of various modes with regard to exporting when touching and being applied to touch screen and audio signal Data.

Memorizer 160 can include the storage medium of at least one type, and the storage medium includes flash memory, hard disk, many Media card, card-type memorizer (for example, SD or DX memorizeies etc.), random access storage device (RAM), static random-access storage Device (SRAM), read only memory (ROM), Electrically Erasable Read Only Memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD etc..And, mobile terminal 1 00 can perform memorizer with by network connection The network storage device cooperation of 160 store function.

The overall operation of the generally control mobile terminal of controller 180.For example, controller 180 is performed and voice call, data The related control of communication, video calling etc. and process.In addition, controller 180 can be included for reproducing (or playback) many matchmakers The multi-media module 1810 of volume data, multi-media module 1810 can be constructed in controller 180, or it is so structured that and control Device processed 180 is separated.Controller 180 can be with execution pattern identifying processing, by the handwriting input for performing on the touchscreen or figure Piece is drawn input and is identified as character or image.

Specifically, controller 180 can also include：First acquisition module 201, for receiving the movement of mobile terminal When paying request, the IMEI number of the mobile terminal is obtained；

First correction verification module 202, for verifying the IMEI number of the mobile terminal and the mobile terminal of server storage Whether IMEI number is consistent；

Second acquisition module 203, if for the IMEI number and the mobile terminal of server storage of the mobile terminal IMEI number is consistent, then obtain the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station；

Second correction verification module 204, for the operator's informaiton for verifying current mobile terminal own base station and current movement The number information of terminal, it is whether consistent with the number information of the operator's informaiton of server storage and mobile terminal；；

Payment module 205, for the operator's informaiton and current mobile terminal in current mobile terminal own base station Number information, when consistent with the number information of the operator's informaiton of server storage and mobile terminal, points out user to be paid Checking, completes mobile payment operation.

Power subsystem 190 receives external power or internal power under the control of controller 180 and provides operation each unit Appropriate electric power needed for part and component.

Various embodiments described herein can be with use such as computer software, hardware or its any combination of calculating Machine computer-readable recording medium is implementing.For hardware is implemented, embodiment described herein can be by using application-specific IC (ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), scene can Programming gate array (FPGA), processor, controller, microcontroller, microprocessor, it is designed to perform function described herein At least one in electronic unit implementing, in some cases, can be implemented in controller 180 by such embodiment. For software is implemented, the embodiment of such as process or function can with allow to perform the single of at least one function or operation Software module is implementing.Software code can be come by the software application (or program) write with any appropriate programming language Implement, perform during software code can be stored in memorizer 160 and by controller 180.

As shown in Figure 1 mobile terminal 1 00 may be constructed such that using via frame or packet transmission data it is all if any Line and wireless communication system and satellite-based communication system are operating.

The communication system that mobile terminal wherein of the invention is operable to is described referring now to Fig. 2.

Such communication system can use different air interfaces and/or physical layer.For example, used by communication system Air interface includes such as frequency division multiple access (FDMA), time division multiple acess (TDMA), CDMA (CDMA) and universal mobile communications system System (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc..As non-limiting example, under The description in face is related to cdma communication system, but such teaching is equally applicable to other types of system.

With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 1s 00, multiple base stations (BS) 270, base station Controller (BSC) 275 and mobile switching centre (MSC) 280.MSC280 is configured to and Public Switched Telephony Network (PSTN) 290 form interface.MSC280 is also structured to form interface with the BSC275 that can be couple to base station 270 via back haul link. If back haul link can be constructed according to any one in the interface that Ganji knows, the interface includes such as E1/T1, ATM, IP, PPP, frame relay, HDSL, ADSL or xDSL.It will be appreciated that system can include multiple BSC2750 as shown in Figure 2.

Each BS270 can service one or more subregions (or region), by multidirectional antenna or the day of sensing specific direction Each subregion that line is covered is radially away from BS270.Or, each subregion can by for diversity reception two or more Antenna is covered.Each BS270 may be constructed such that the multiple frequency distribution of support, and each frequency distribution with specific frequency spectrum (for example, 1.25MHz, 5MHz etc.).

What subregion and frequency were distributed intersect can be referred to as CDMA Channel.BS270 can also be referred to as base station transceiver System (BTS) or other equivalent terms.In this case, term " base station " can be used for broadly representing single BSC275 and at least one BS270.Base station can also be referred to as " cellular station ".Or, each subregion of specific BS270 can be claimed For multiple cellular stations.

As shown in Figure 2, broadcast singal is sent to broadcsting transmitter (BT) 295 mobile terminal operated in system 100.Broadcasting reception module 111 is arranged at mobile terminal 1 00 to receive the broadcast sent by BT295 as shown in Figure 1 Signal.In fig. 2 it is shown that several global positioning system (GPS) satellites 300.Satellite 300 helps position multiple mobile terminals At least one of 100.

In fig. 2, multiple satellites 300 are depicted, it is understood that be, it is possible to use any number of satellite obtains useful Location information.Used as a typical operation of wireless communication system, BS270 is received from the reverse of various mobile terminal 1s 00 Link signal.Mobile terminal 1 00 generally participates in call, information receiving and transmitting and other types of communication.It is every that certain base station 270 is received Individual reverse link signal is processed in specific BS270.The data of acquisition are forwarded to the BSC275 of correlation.BSC is provided Call resource allocation and the mobile management function of the coordination including the soft switching process between BS270.BSC275 will also be received Data be routed to MSC280, its provide for PSTN290 formed interface extra route service.Similarly, PSTN290 Interface is formed with MSC280, MSC and BSC275 forms interface, and BSC275 correspondingly controls BS270 to believe forward link Number it is sent to mobile terminal 1 00.

Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of the invention is proposed.

In due to prior art, payment is moved using simple payment cipher or short-message verification code check generally, Or verification payment is carried out using single finger print information, but, these payment informations are easily replicated by lawless person and are stolen With safety is not high.

For this purpose, the present invention proposes a solution, multiple check means are set during mobile payment, are greatly increased The safety of mobile payment process, largely reduce user hand-set from stolen or mobile payment account it is stolen caused by Property loss.

Specifically, as shown in figure 3, the present invention proposes a kind of first embodiment of mobile payment device, including：First obtains Module 201, the first correction verification module 202, the second acquisition module 203, the second correction verification module 204 and payment module 205, wherein：

First acquisition module 201, during for asking in the mobile payment for receiving mobile terminal, obtains the mobile terminal IMEI number；

Second correction verification module 204, for the operator's informaiton for verifying current mobile terminal own base station and current movement The number information of terminal, it is whether consistent with the number information of the operator's informaiton of server storage and mobile terminal；

Specifically, the present embodiment mobile payment device can be carried on the movement such as mobile phone by way of mobile payment software In terminal, it is also possible to be carried on paying server by way of mobile payment software.

By taking mobile phone as an example, when user moves payment by mobile phone, mobile payment request is triggered on mobile phone, it is mobile Payment mechanism obtains IMEI (the International Mobile of mobile phone after the mobile payment request for receiving user's triggering Equipment Identity, International Mobile Station Equipment Identification) number.

The present embodiment stores the IMEI number of different mobile terminal on the server, to move during payment in advance, The IMEI number of current mobile terminal is matched with the IMEI number of the mobile terminal of server storage.Wherein, as user first Secondary when logging in the mobile payment software, the IMEI number of mobile phone can be also uploaded in mobile payment software server.Additionally, this enforcement The number information of the example also advance operator's informaiton and mobile terminal of memory mobile terminal own base station in the server, so as to The safety of payment is moved with reference to the number information of the operator's informaiton and current mobile terminal of mobile terminal affiliated base station Property verification, by multiple check improve mobile payment safety.

Specifically, first, when the mobile payment for receiving mobile terminal is asked, the IMEI number of mobile terminal is obtained, will The IMEI number of current mobile terminal is matched with the IMEI number of the mobile terminal of server storage, verifies the IMEI of mobile terminal It is number whether consistent with the IMEI number of the mobile terminal of server storage,

If the IMEI number of current mobile terminal is consistent with the matching of the IMEI number of the mobile terminal of server storage, i.e. server In be stored with the IMEI number of current mobile terminal, then obtain the operator's informaiton of current mobile terminal own base station and when reach The number information of dynamic terminal；The number letter of the operator's informaiton and current mobile terminal of verification current mobile terminal own base station Breath, it is whether consistent with the number information of the operator's informaiton of server storage and mobile terminal.

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server The operator's informaiton of storage is consistent with the number information of mobile terminal, then can carry out the payment delivery operation of next step, such as Prompting user carries out payment cipher and/or the checking of the second finger print information, completes mobile payment operation.

As the first alternative, if the operator's informaiton and current mobile terminal of current mobile terminal own base station Number information, match with the number information of the operator's informaiton of server storage and mobile terminal inconsistent, then can point out The finger print information that user input is accordingly numbered, verifies the finger print information of user input and the finger print information of server storage, if school Test and pass through, then point out user to carry out payment cipher and/or the checking of the second finger print information, complete mobile payment operation；Otherwise, if school Test and do not pass through, then point out mobile payment failure.Additionally, payment failure information can be also sent to former reserved mobile terminal number, and Locking current account, to avoid user in the stolen caused property loss of hand-set from stolen or mobile payment account.

In said process, alternatively, if the movement of the IMEI number of current mobile terminal and server storage The IMEI number of terminal is inconsistent, then the finger print information that user input can be pointed out accordingly to number, and verifies the fingerprint letter of user input Whether breath is consistent with the finger print information of server storage, carries out delivery operation according to check results.

In order to strengthen the safety of mobile payment, the present embodiment is multiple with what terminal IMEI number combined using finger print information Verification means, wherein, finger print information can typing in advance it is multiple, as a example by two, such as thumb and index fingerprint, one of them Compare verification for the finger print information with server storage, another pays key as payment.

When by multiple finger print information typing servers, each finger print information can be numbered, subsequently to carry out Inquiry.

In the present embodiment, the IMEI number by the IMEI number of current mobile terminal with the mobile terminal of server storage is carried out During matching, if the IMEI number of current mobile terminal is consistent with the matching of the IMEI number of the mobile terminal of server storage, i.e. server In be stored with the IMEI number of current mobile terminal, alternatively, then can carry out the payment delivery operation of next step, Prompting user carries out payment cipher and/or the checking of the second finger print information, completes mobile payment operation.Alternatively, Can move further combined with the number information of the operator's informaiton of mobile terminal affiliated base station and current mobile terminal The security verification of payment, further improves the safety of mobile payment.

If the IMEI number of current mobile terminal match with the IMEI number of the mobile terminal of server storage it is inconsistent, can be with Finger-mark check interface is ejected, the finger print information for pointing out user input accordingly to number verifies finger print information and the service of user input Whether the finger print information of device storage is consistent, if the finger print information of user input is consistent with the finger print information of server storage, carries Show that user carries out payment cipher and/or the checking of the second finger print information, complete mobile payment operation；Otherwise, if the finger of user input Stricture of vagina information is inconsistent with the finger print information of server storage, then point out mobile payment failure.

Further, when mobile payment fails, send and failure information is paid to former reserved mobile terminal number, and lock Current account, can also point out user account to be locked, be please unlocked by legal means, to avoid user in mobile phone quilt Steal or the stolen caused property loss of mobile payment account.

The present embodiment obtains mobile terminal by such scheme when the mobile payment for receiving mobile terminal is asked IMEI number；Whether the IMEI number of verification mobile terminal is consistent with the IMEI number of the mobile terminal of server storage；If the movement The IMEI number of terminal is consistent with the IMEI number of the mobile terminal of server storage, then obtain the fortune of current mobile terminal own base station The number information of battalion's business's information and current mobile terminal；Verify the operator's informaiton of current mobile terminal own base station and work as The number information of front mobile terminal, it is whether consistent with the number information of the operator's informaiton of server storage and mobile terminal；If The number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, the operation with server storage Business's information is consistent with the number information of mobile terminal, then point out user to carry out payment verification, completes mobile payment operation, thus, By multiple check means are arranged during mobile payment, the safety of mobile payment process is greatly increased, largely User is reduced in the stolen caused property loss of hand-set from stolen or mobile payment account.

Compared to existing technology, using in prior art, smart mobile phone all carries fingerprint identification function to the present embodiment mostly Feature, on the premise of hardware cost is not increased can realize mobile payment by software function, and the program passes through multiple end The client information check and correction with reference to the multiple finger print informations of user moves payment, the safety of the user's mobile payment for greatly improving Property, user is largely reduced in hand-set from stolen, or mobile payment account is stolen, caused property loss.

As shown in figure 4, the present invention proposes a kind of second embodiment of mobile payment device, based on the shown in above-mentioned Fig. 3 One embodiment, its difference is that the present embodiment is further comprised：Verify the IMEI number and server storage of the mobile terminal Mobile terminal IMEI number it is inconsistent when processing scheme.

In the present embodiment, described device also includes：

3rd correction verification module 206, for the IMEI number in the mobile terminal and the mobile terminal of server storage When IMEI number is inconsistent, the first finger print information for pointing out user input accordingly to number verifies first finger print information with service Whether the finger print information of device storage is consistent；If first finger print information is consistent with the finger print information of server storage, by institute Stating the prompting user of payment module 205 carries out payment cipher and/or the checking of the second finger print information, completes mobile payment operation；If institute State the first finger print information inconsistent with the finger print information of server storage, then point out mobile payment failure.

Specifically, in the present embodiment, in advance the IMEI number of different mobile terminal is stored on the server, and in clothes The operator's informaiton and the number information of mobile terminal of memory mobile terminal own base station in business device.

When the mobile payment for receiving mobile terminal is asked, the IMEI number of mobile terminal is obtained, by current mobile terminal IMEI number matched with the IMEI number of the mobile terminal of server storage, verify mobile terminal IMEI number deposit with server Whether the IMEI number of the mobile terminal of storage is consistent.

If the IMEI number of current mobile terminal is inconsistent with the IMEI number of the mobile terminal of server storage, can point out The finger print information of the corresponding numbering of user input, verifies the finger print information of the finger print information of user input and server storage whether Cause, delivery operation is carried out according to check results.

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server The operator's informaiton of storage is consistent with the number information of mobile terminal, then can carry out the payment delivery operation of next step, points out User carries out payment cipher and/or the checking of the second finger print information, completes mobile payment operation.

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server The number information matching of the operator's informaiton and mobile terminal of storage is inconsistent, then point out the fingerprint letter that user input is accordingly numbered Breath, with server preserve finger print information carry out contrast verification, if verification pass through, point out user carry out payment cipher and/or Second finger print information is verified, completes mobile payment and operate；Otherwise, if verification does not pass through, point out mobile payment failure.Additionally, Payment failure information can also be sent to former reserved mobile terminal number, and lock current account, user is avoided in hand-set from stolen Or the stolen caused property loss of mobile payment account.

The present embodiment obtains mobile terminal by such scheme when the mobile payment for receiving mobile terminal is asked IMEI number；Whether the IMEI number of verification mobile terminal is consistent with the IMEI number of the mobile terminal of server storage, if unanimously, obtains Take the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station；Verification current mobile terminal The number information of the operator's informaiton and current mobile terminal of own base station, operator's informaiton and the movement with server storage Whether the number information of terminal is consistent；If the IMEI number of mobile terminal is differed with the IMEI number of the mobile terminal of server storage Cause, or the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, deposit with server The number information of the operator's informaiton and mobile terminal of storage is inconsistent, then point out the first fingerprint letter that user input is accordingly numbered Whether breath, the finger print information for verifying user input are consistent with the finger print information of server storage；If the finger print information of user input It is consistent with the finger print information of server storage, then point out user to carry out payment cipher and/or the checking of the second finger print information, complete to move Dynamic delivery operation；Otherwise, if the finger print information of user input is inconsistent with the finger print information of server storage, point out mobile Failure is paid, thus, by multiple check means are arranged during mobile payment, with reference to operator's informaiton, terminal number information, And the check and correction of the multiple finger print informations of user moves the safety information verification of payment, greatly increases the peace of mobile payment process Quan Xing, largely reduces user in the stolen caused property loss of hand-set from stolen or mobile payment account.

As shown in figure 5, the present invention proposes a kind of 3rd embodiment of mobile payment device, based on the shown in above-mentioned Fig. 4 Two embodiments, its difference are that the present embodiment also includes the scheme for updating base station operator's informaiton and information of mobile terminal.

In the present embodiment, described device also includes：

Update module 207, for the base station operator's informaiton in user, mobile terminal number information and/or IMEI information When changing, transition information is uploaded in the server.

Specifically, when user moves payment, if the base station operator's informaiton of user, mobile terminal number information or IMEI information changes, then can cause the failure of mobile payment.

After the completion of by finger-mark check, it is ensured that after the result for same user, user can upload the end of variation in time IMEI good, base station operator's informaiton and phone number information are held, in next mobile payment, to carry out the school of relevant information Test comparison, it is possible to which reducing each mobile payment all carries out the triviality of multiple finger-mark checks.

Compared to existing technology, the present embodiment is adopted comprising end message, operator's informaiton, Yi Jiduo by such scheme The joint verification means of individual user fingerprints information, complete mobile payment operation, substantially increase user's property to a certain extent Safety.So, it is stolen in user mobile phone, or user's mobile payment account is stolen, lawless person steals the fund of user During property, all can be inconsistent because of end message, or finger print information is inconsistent and steals unsuccessfully.

As shown in fig. 6, the present invention proposes a kind of 3rd embodiment of mobile payment device, based on the shown in above-mentioned Fig. 5 Three embodiments, its difference are that the present embodiment also includes the scheme of the multiple finger print informations of typing user.

In the present embodiment, described device also includes：

Fingerprint typing module 200, for by the multiple different finger print information typing servers of user, and to it is the plurality of not Numbering is marked with finger print information

Specifically, fingerprint recording interface can be set in terminal, and user can be selected when delivery operation is moved Into fingerprint recording interface typing fingerprint, mobile payment device is instructed according to the typing of user, the multiple finger print informations of collection user, And store into server.

Further, it is also possible to allow user to be marked numbering to the finger print information of different fingers, in verification, input is needed to refer to The finger print information of the number of delimiting the organizational structure is verified with the fingerprint information data of typing in server, thus, substantially increases information checking Safety, and add the verification of base station operator's informaiton, phone number information and IMEI, further enhance to terminal one The verification of cause property, largely reduces that user is stolen in hand-set from stolen or mobile payment account, and caused property is damaged Lose.

Accordingly, propose method of mobile payment embodiment of the present invention.

As shown in fig. 7, the present invention proposes a kind of first embodiment of method of mobile payment, the method includes：Including：

Step S101, when the mobile payment for receiving mobile terminal is asked, obtains the IMEI number of the mobile terminal；

The executive agent of the present embodiment method of mobile payment can be a kind of mobile payment device, and the mobile payment device can To be carried on by way of mobile payment software on the mobile terminals such as mobile phone, it is also possible to held by way of mobile payment software It is loaded on paying server.

Step S102, verifies the IMEI number of the IMEI number of the mobile terminal and the mobile terminal of server storage whether Cause；If consistent, into step S106；

Step S106, obtains the number letter of the operator's informaiton and current mobile terminal of current mobile terminal own base station Breath；

Step S107, verifies the number letter of the operator's informaiton and current mobile terminal of current mobile terminal own base station Breath, it is whether consistent with the number information of the operator's informaiton of server storage and mobile terminal；If consistent, into step S104：Prompting user carries out payment verification；If inconsistent, step S105 can be entered：Prompting mobile payment failure；

Step S104, points out user to carry out payment verification, completes mobile payment operation；

Step S105, points out mobile payment failure.

The present embodiment obtains mobile terminal by such scheme when the mobile payment for receiving mobile terminal is asked IMEI number；Whether the IMEI number of verification mobile terminal is consistent with the IMEI number of the mobile terminal of server storage；If the movement The IMEI number of terminal is consistent with the IMEI number of the mobile terminal of server storage, then obtain the fortune of current mobile terminal own base station The number information of battalion's business's information and current mobile terminal；Verify the operator's informaiton of current mobile terminal own base station and work as The number information of front mobile terminal, it is whether consistent with the number information of the operator's informaiton of server storage and mobile terminal；If The number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, the operation with server storage Business's information is consistent with the number information of mobile terminal, then point out user to carry out payment verification, completes mobile payment operation；Thus, By multiple check means are arranged during mobile payment, the safety of mobile payment process is greatly increased, largely User is reduced in the stolen caused property loss of hand-set from stolen or mobile payment account.

As shown in figure 8, the present invention proposes a kind of second embodiment of method of mobile payment, based on the shown in above-mentioned Fig. 7 One embodiment, its difference is that the present embodiment is further comprised：Verify the IMEI number and server storage of the mobile terminal Mobile terminal IMEI number it is inconsistent when processing scheme.

The present embodiment is in above-mentioned steps S102：Verify the IMEI number of the mobile terminal and the mobile terminal of server storage IMEI number it is whether consistent after, if inconsistent, also include：

Step S103, the first finger print information for pointing out user input accordingly to number verify first finger print information with clothes Whether the finger print information of business device storage is consistent；If first finger print information is consistent with the finger print information of server storage, enter Enter step S104；Otherwise, into step S105；

Step S104, points out user to carry out payment cipher and/or the checking of the second finger print information, completes mobile payment operation；

Step S105, points out mobile payment failure.

Additionally, in above-mentioned steps S107：The operator's informaiton of verification current mobile terminal own base station and current movement The number information of terminal, after the step whether consistent with the number information of the operator's informaiton of server storage and mobile terminal Also include

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server The number information of the operator's informaiton and mobile terminal of storage is inconsistent, then into step S103：Prompting user input is accordingly compiled Number the first finger print information, verify first finger print information whether consistent with the finger print information of server storage.

As shown in figure 9, the present invention proposes a kind of 3rd embodiment of method of mobile payment, based on the shown in above-mentioned Fig. 8 Two embodiments, its difference are that the present embodiment also includes the scheme for updating base station operator's informaiton and information of mobile terminal.

In the present embodiment, the method also includes：

Step S108, changes in the base station operator's informaiton of user, mobile terminal number information and/or IMEI information When, transition information is uploaded in the server.

As shown in Figure 10, the present invention proposes a kind of 3rd embodiment of method of mobile payment, based on the shown in above-mentioned Fig. 8 Three embodiments, its difference are that the present embodiment also includes the scheme of the multiple finger print informations of typing user.

In the present embodiment, the method is in above-mentioned steps S101：Before the mobile payment for receiving mobile terminal is asked Also include：

Step S100, by the multiple different finger print information typing servers of user, and to the plurality of different finger print informations It is marked numbering.

It should be noted that the various embodiments described above can be combined enforcement according to practical situation, will not be described here.

It should be noted that herein, term " including ", "comprising" or its any other variant are intended to non-row His property is included, so that a series of process, method, article or device including key elements not only include those key elements, and And also include other key elements being not expressly set out, or also include for this process, method, article or device institute inherently Key element.In the absence of more restrictions, the key element for being limited by sentence "including a ...", it is not excluded that including being somebody's turn to do Also there is other identical element in the process of key element, method, article or device.

The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.

Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words The part for going out contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium In (such as ROM/RAM, magnetic disc, CD), use so that a station terminal equipment including some instructions (can be mobile phone, computer, clothes Business device, air-conditioner, or network equipment etc.) perform method described in each embodiment of the invention.

The preferred embodiments of the present invention are these are only, the scope of the claims of the present invention is not thereby limited, it is every using this Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills Art field, is included within the scope of the present invention.

Claims

1. a kind of mobile payment device, it is characterised in that include：

First acquisition module, during for asking in the mobile payment for receiving mobile terminal, obtains the IMEI of the mobile terminal Number；

First correction verification module, the IMEI number for verifying the IMEI number of the mobile terminal and the mobile terminal of server storage is It is no consistent；

Second acquisition module, if the IMEI number one of the mobile terminal for the IMEI number and server storage of the mobile terminal Cause, then obtain the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station；

Second correction verification module, for verify the operator's informaiton and current mobile terminal of current mobile terminal own base station number Whether code information is consistent with the number information of the operator's informaiton of server storage and mobile terminal；

Payment module, the number for operator's informaiton and current mobile terminal in current mobile terminal own base station are believed Breath, when consistent with the number information of the operator's informaiton of server storage and mobile terminal, points out user to carry out payment verification, complete Operate into mobile payment.

2. device according to claim 1, it is characterised in that described device also includes：

3rd correction verification module, for differing with the IMEI number of the mobile terminal of server storage in the IMEI number of the mobile terminal During cause, the first finger print information for pointing out user input accordingly to number verifies the finger of first finger print information and server storage Whether stricture of vagina information is consistent；If first finger print information is consistent with the finger print information of server storage, by the payment module Prompting user carries out payment cipher and/or the checking of the second finger print information, completes mobile payment operation；If first finger print information It is inconsistent with the finger print information of server storage, then point out mobile payment failure.

3. device according to claim 2, it is characterised in that

The payment module, is additionally operable to send payment failure information to former reserved mobile terminal number, and locks current account.

4. the device according to claim 1,2 or 3, it is characterised in that described device also includes：

Update module, changes for the base station operator's informaiton in user, mobile terminal number information and/or IMEI information When, transition information is uploaded in the server.

5. the device according to claim 1,2 or 3, it is characterised in that described device also includes：

Fingerprint typing module, for by the multiple different finger print information typing servers of user, and to the plurality of different fingerprints Information is marked numbering.

6. a kind of method of mobile payment, it is characterised in that include：

If the IMEI number of the mobile terminal is consistent with the IMEI number of the mobile terminal of server storage, obtain current mobile whole The number information of the operator's informaiton and current mobile terminal of end own base station；

The number information of the operator's informaiton and current mobile terminal of verification current mobile terminal own base station, is deposited with server Whether the operator's informaiton of storage is consistent with the number information of mobile terminal；

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server storage Operator's informaiton it is consistent with the number information of mobile terminal, then point out user carry out payment verification, complete mobile payment operation.

7. method of mobile payment according to claim 6, it is characterised in that the IMEI number of the verification mobile terminal Also include after the step whether consistent with the IMEI number of the mobile terminal of server storage：

If the IMEI number of the mobile terminal is inconsistent with the IMEI number of the mobile terminal of server storage, user input is pointed out First finger print information of corresponding numbering, verifies first finger print information whether consistent with the finger print information of server storage；

If first finger print information is consistent with the finger print information of server storage, execution step prompting user carries out paying close Code and/or the checking of the second finger print information, complete mobile payment operation；If the fingerprint of first finger print information and server storage Information is inconsistent, then point out mobile payment failure；

The number information of the operator's informaiton and current mobile terminal of the verification current mobile terminal own base station, with service Also include after the operator's informaiton step whether consistent with the number information of mobile terminal of device storage：

If the number information of the operator's informaiton and current mobile terminal of current mobile terminal own base station, with server storage Operator's informaiton and mobile terminal number information it is inconsistent, then the first finger of the corresponding numbering of execution step prompting user input Stricture of vagina information, verifies first finger print information whether consistent with the finger print information of server storage.

8. method of mobile payment according to claim 7, it is characterised in that in the step of prompting mobile payment fails Also include：

9. the method for mobile payment according to claim 6,7 or 8, it is characterised in that methods described also includes：

In the base station operator's informaiton of user, when mobile terminal number information and/or IMEI information change, by transition information It is uploaded in the server.

10. the method for mobile payment according to claim 6,7 or 8, it is characterised in that receiving the movement of mobile terminal Also include before the step of paying request：

By the multiple different finger print information typing servers of user, and numbering is marked to the plurality of different finger print informations.