CN108305077A - Payment method, mobile terminal and computer readable storage medium - Google Patents
Payment method, mobile terminal and computer readable storage medium Download PDFInfo
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- CN108305077A CN108305077A CN201810094804.0A CN201810094804A CN108305077A CN 108305077 A CN108305077 A CN 108305077A CN 201810094804 A CN201810094804 A CN 201810094804A CN 108305077 A CN108305077 A CN 108305077A
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- G—PHYSICS
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- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The invention discloses a kind of payment method, mobile terminal and computer readable storage medium, this method includes：In detecting through mobile terminal after the payment instruction of application triggers, the location information of mobile terminal position is obtained by payment instruction；If determining that mobile terminal is currently at preset limitation payment environment according to location information, then based on the mapping relations between the limitation payment environment to prestore and limitation payment mode, the limitation payment environment being presently according to mobile terminal, determine current limitation payment mode, wherein, limitation payment mode includes limit payment mode, forbids payment mode and forbid transferring accounts to strange account pattern；The executive mode for executing payment instruction is determined according to current limitation payment mode, and payment instruction is executed according to executive mode.The present invention improves the safety paid by application program in mobile terminal.
Description
Technical field
The present invention relates to a kind of field of terminal technology more particularly to payment method, mobile terminal and computers
Readable storage medium storing program for executing.
Background technology
With the development of mobile terminal technology, there are more and more related to user's fund in mobile terminal, it can be used for line
The APP (Application, application program) of upper payment, such as APP, Third-party payment APP etc. of each big bank.These are for branch
The APP paid brings many facilities to the life of user, and band wallet is forgotten when need not worry to go out again such as user.However these are used
Security risk is also brought while bringing advantage to the user in the APP of payment.Such as when the personal safety of user is on the hazard,
Or when lost mobile terminal, the APP in mobile terminal for payment also allows for criminal's progress money and extorts, shifts money
Deng to cause economic loss to user.It follows that the APP in mobile terminal for payment is in payment process
Safety is low.
Invention content
It is a primary object of the present invention to propose a kind of payment method, mobile terminal and computer-readable storage
Medium, it is intended to solve the low technology of safety in payment process of the application program in existing mobile terminal for payment and ask
Topic.
To achieve the above object, the present invention provides a kind of payment method, the payment methods
Including：
In detecting through mobile terminal after the payment instruction of application triggers, institute is obtained by the payment instruction
State the location information of mobile terminal position；
If determining according to the positional information, the mobile terminal is currently at preset limitation payment environment, based on pre-
Mapping relations between the limitation payment environment deposited and limitation payment mode, the limit being presently according to the mobile terminal
Payment environment processed determines current limitation payment mode, wherein the limitation payment mode includes limit payment mode, forbids
Payment mode and forbid transferring accounts to strange account pattern；
The executive mode for executing the payment instruction is determined according to the current limitation payment mode, and is held according to described
Line mode executes the payment instruction.
Optionally, if described determine that the mobile terminal is currently at preset limitation payment ring according to the positional information
Border, then it is current according to the mobile terminal based on the mapping relations between the limitation payment environment to prestore and limitation payment mode
The residing limitation payment environment, the step of determining current limitation payment mode include：
If determining according to the positional information, the mobile terminal is currently at strange route environment, based on the limit to prestore
Mapping relations between payment environment processed and limitation payment mode determine current limitation branch according to the strange route environment
The pattern of paying is to forbid transferring accounts to strange account pattern；
If determining according to the positional information, the mobile terminal is currently at remote environment, based on the limitation branch to prestore
The mapping relations paid environment and limited between payment mode determine that current limitation payment mode is according to the remote environment
Forbid payment mode；
If determining according to the positional information, the mobile terminal is currently at consumer environment, based on the limitation branch to prestore
The mapping relations paid environment and limited between payment mode determine that current limitation payment mode is according to the consumer environment
Limit payment mode.
Optionally, if described determine that the mobile terminal is currently at strange route environment according to the positional information,
It is determined according to the strange route environment based on the mapping relations between the limitation payment environment to prestore and limitation payment mode
Current limitation payment mode is to forbid transferring accounts to before the step of strange account pattern, further includes：
The user's common route stored in the mobile terminal is obtained, judges the mobile terminal according to the positional information
Whether present position is between the beginning and end of user's common route；
If the mobile terminal present position is not between the beginning and end of user's common route, it is determined that
The mobile terminal is currently in strange route environment；
If the mobile terminal present position is between the beginning and end of user's common route, it is determined that institute
Mobile terminal is stated to be currently in user's common route environment.
Optionally, if described determine that the mobile terminal is currently at strange route environment according to the positional information,
It is determined according to the strange route environment based on the mapping relations between the limitation payment environment to prestore and limitation payment mode
Current limitation payment mode is to forbid transferring accounts to after the step of strange account pattern, further includes：
The reception account for receiving the amount of money is obtained by the payment instruction, and judges the reception account whether in the shifting
In the address list of dynamic terminal, and judges that the corresponding payment account of the payment instruction whether there is with the reception account and transfer accounts
Record；
If the reception account is not in the address list, and the payment account with the reception account do not transfer accounts by presence
Record, it is determined that the reception account is strange account；
The current limitation payment mode of the basis determines the executive mode for executing the payment instruction, and according to institute
Stating the step of executive mode executes the payment instruction includes：
Determine that the executive mode for executing the payment instruction is to forbid turning according to described forbid transferring accounts to strange account pattern
Account mode；
The mode of transferring accounts is forbidden to forbid transferring accounts into the strange account according to described.
Optionally, the mode of transferring accounts is forbidden to forbid transferring accounts to the step in the strange account described in the basis, also
Including：
The first prompt message is exported, to prompt user to pay failure according to first prompt message, and detects whether to detect
Measure transferring accounts to the transfer instructions of the strange account for user's triggering；
If detecting the transfer instructions, transferred accounts into the strange account according to the transfer instructions.
Optionally, if described determine that the mobile terminal is currently at consumer environment, is based on according to the positional information
Mapping relations between the limitation payment environment to prestore and limitation payment mode determine current limit according to the consumer environment
After the step of payment mode processed is limit payment mode, further include：
The amount of money to be paid is obtained by the payment instruction, judges whether the amount of money to be paid is more than the limit and pays
The corresponding limitation amount of money of pattern；
If the amount of money to be paid is more than the limitation amount of money, the second prompt message is exported, to be carried according to described second
Show information alert payment failure.
Optionally, the current limitation payment mode of the basis determines the executive mode for executing the payment instruction,
And after the step of executing the payment instruction according to the executive mode, further include：
After detecting the modification for changing mapping relations instruction, closed according to being mapped described in the modification instruction modification
System, obtains the modified mapping relations；
Store the modified mapping relations.
Optionally, after the payment instruction of the application triggers in detecting through mobile terminal, pass through the branch
Before paying the step of instruction obtains the location information of the mobile terminal position, further include：
After detecting the setting that the mapping relations are set instruction, the limitation is arranged according to setting instruction and is paid
Mapping relations between environment and limitation payment mode, and store the set mapping relations.
In addition, to achieve the above object, the present invention also provides a kind of mobile terminal, the mobile terminal include memory,
Processor and be stored in the mobile terminal payment program that can be run on the memory and on the processor, it is described it is mobile eventually
The step of end payment program realizes payment method as described above when being executed by the processor.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
It is stored with mobile terminal payment program on storage medium, is realized as above when the mobile terminal payment program is executed by processor
The step of described payment method.
Determine that mobile terminal is in preset limit according to the location information of mobile terminal position by working as in the present invention
When payment environment processed, based on the mapping relations between the limitation payment environment to prestore and limitation payment mode, current limit is determined
Payment mode processed determines the executive mode for executing payment instruction according to current limitation payment mode, and is held according to executive mode
Row payment instruction.In user by the application program payment process in mobile terminal, being determined according to mobile terminal local environment
Determine the means of payment, improves the safety paid by application program in mobile terminal.
Description of the drawings
A kind of Fig. 1 hardware architecture diagrams of terminal of each embodiment to realize the present invention；
Fig. 2 is a kind of communications network system Organization Chart provided in an embodiment of the present invention；
Fig. 3 is the flow diagram of payment method first embodiment of the present invention；
Fig. 4 is a kind of schematic diagram for triggering payment instruction in the embodiment of the present invention in the application program of mobile terminal；
Fig. 5 is a kind of schematic diagram of user's common route in the embodiment of the present invention；
Fig. 6 is the flow diagram of the 5th embodiment of payment method of the present invention.
The realization, the function and the advantages of the object of the present invention will be explained with reference to attached drawing in conjunction with the embodiments.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In subsequent description, using for indicating that the suffix of such as " module ", " component " or " unit " of element is only
The explanation for being conducive to the present invention, itself does not have a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
Terminal can be implemented in a variety of manners.For example, terminal described in the present invention may include such as mobile phone, tablet
Computer, laptop, palm PC, personal digital assistant (Personal Digital Assistant, PDA), portable
The shiftings such as media player (Portable Media Player, PMP), navigation device, wearable device, Intelligent bracelet, pedometer
The fixed terminals such as dynamic terminal, and number TV, desktop computer.
It will be illustrated by taking mobile terminal as an example in subsequent descriptions, it will be appreciated by those skilled in the art that in addition to special
Except element for moving purpose, construction according to the embodiment of the present invention can also apply to the terminal of fixed type.
Referring to Fig. 1, a kind of hardware architecture diagram of its mobile terminal of each embodiment to realize the present invention, the shifting
Moving terminal 100 may include：RF (Radio Frequency, radio frequency) unit 101, WiFi module 102, audio output unit
103, A/V (audio/video) input unit 104, sensor 105, display unit 106, user input unit 107, interface unit
108, the components such as memory 109, processor 110 and power supply 111.It will be understood by those skilled in the art that shown in Fig. 1
Mobile terminal structure does not constitute the restriction to mobile terminal, and mobile terminal may include components more more or fewer than diagram,
Either combine certain components or different components arrangement.
The all parts of mobile terminal are specifically introduced with reference to Fig. 1：
Radio frequency unit 101 can be used for receiving and sending messages or communication process in, signal sends and receivees, specifically, by base station
Downlink information receive after, to processor 110 handle；In addition, the data of uplink are sent to base station.In general, radio frequency unit 101
Including but not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier, duplexer etc..In addition, penetrating
Frequency unit 101 can also be communicated with network and other equipment by radio communication.Above-mentioned wireless communication can use any communication
Standard or agreement, including but not limited to GSM (Global System of Mobile communication, global system for mobile telecommunications
System), GPRS (General Packet Radio Service, general packet radio service), CDMA2000 (Code
Division Multiple Access 2000, CDMA 2000), WCDMA (Wideband Code Division
Multiple Access, wideband code division multiple access), TD-SCDMA (Time Division-Synchronous Code
Division Multiple Access, TD SDMA), FDD-LTE (Frequency Division
Duplexing-Long Term Evolution, frequency division duplex long term evolution) and TDD-LTE (Time Division
Duplexing-Long Term Evolution, time division duplex long term evolution) etc..
WiFi belongs to short range wireless transmission technology, and mobile terminal can help user to receive and dispatch electricity by WiFi module 102
Sub- mail, browsing webpage and access streaming video etc., it has provided wireless broadband internet to the user and has accessed.Although Fig. 1 shows
Go out WiFi module 102, but it is understood that, and it is not belonging to must be configured into for mobile terminal, it completely can be according to need
It to be omitted in the range for the essence for not changing invention.
Audio output unit 103 can be in call signal reception pattern, call mode, record mould in mobile terminal 100
When under the isotypes such as formula, speech recognition mode, broadcast reception mode, it is that radio frequency unit 101 or WiFi module 102 are received or
The voice data stored in memory 109 is converted into audio signal and exports to be sound.Moreover, audio output unit 103
The relevant audio output of specific function executed with mobile terminal 100 can also be provided (for example, call signal receives sound, disappears
Breath receives sound etc.).Audio output unit 103 may include loud speaker, buzzer etc..
A/V input units 104 are for receiving audio or video signal.A/V input units 104 may include graphics processor
(Graphics Processing Unit, GPU) 1041 and microphone 1042, graphics processor 1041 is in video acquisition mode
Or the image data of the static images or video obtained by image capture apparatus (such as camera) in image capture mode carries out
Reason.Treated, and picture frame may be displayed on display unit 106.Through graphics processor 1041, treated that picture frame can be deposited
Storage is sent in memory 109 (or other storage mediums) or via radio frequency unit 101 or WiFi module 102.Mike
Wind 1042 can connect in telephone calling model, logging mode, speech recognition mode etc. operational mode via microphone 1042
Quiet down sound (voice data), and can be voice data by such acoustic processing.Audio that treated (voice) data can
To be converted to the format output that can be sent to mobile communication base station via radio frequency unit 101 in the case of telephone calling model.
Microphone 1042 can implement various types of noises elimination (or inhibition) algorithms and send and receive sound to eliminate (or inhibition)
The noise generated during frequency signal or interference.
Mobile terminal 100 further includes at least one sensor 105, such as optical sensor, motion sensor and other biographies
Sensor.Specifically, optical sensor includes ambient light sensor and proximity sensor, wherein ambient light sensor can be according to environment
The light and shade of light adjusts the brightness of display panel 1061, and proximity sensor can close when mobile terminal 100 is moved in one's ear
Display panel 1061 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions (general
For three axis) size of acceleration, size and the direction of gravity are can detect that when static, can be used to identify the application of mobile phone posture
(such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, percussion) etc.；
The fingerprint sensor that can also configure as mobile phone, pressure sensor, iris sensor, molecule sensor, gyroscope, barometer,
The other sensors such as hygrometer, thermometer, infrared sensor, details are not described herein.
Display unit 106 is for showing information input by user or being supplied to the information of user.Display unit 106 can wrap
Display panel 1061 is included, liquid crystal display (Liquid Crystal Display, LCD), Organic Light Emitting Diode may be used
Forms such as (Organic Light-Emitting Diode, OLED) configure display panel 1061.
User input unit 107 can be used for receiving the number or character information of input, and generate the use with mobile terminal
Family is arranged and the related key signals input of function control.Specifically, user input unit 107 may include touch panel 1071 with
And other input equipments 1072.Touch panel 1071, also referred to as touch screen collect user on it or neighbouring touch operation
(for example user uses any suitable objects or attachment such as finger, stylus on touch panel 1071 or in touch panel 1071
Neighbouring operation), and corresponding attachment device is driven according to preset formula.Touch panel 1071 may include touch detection
Two parts of device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation band
The signal come, transmits a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and by it
It is converted into contact coordinate, then gives processor 110, and order that processor 110 is sent can be received and executed.In addition, can
To realize touch panel 1071 using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touch panel
1071, user input unit 107 can also include other input equipments 1072.Specifically, other input equipments 1072 can wrap
It includes but is not limited in physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating lever etc.
It is one or more, do not limit herein specifically.
Further, touch panel 1071 can cover display panel 1061, when touch panel 1071 detect on it or
After neighbouring touch operation, processor 110 is sent to determine the type of touch event, is followed by subsequent processing device 110 according to touch thing
The type of part provides corresponding visual output on display panel 1061.Although in Fig. 1, touch panel 1071 and display panel
1061 be to realize the function that outputs and inputs of mobile terminal as two independent components, but in certain embodiments, can
The function that outputs and inputs of mobile terminal is realized so that touch panel 1071 and display panel 1061 is integrated, is not done herein specifically
It limits.
Interface unit 108 be used as at least one external device (ED) connect with mobile terminal 100 can by interface.For example,
External device (ED) may include wired or wireless headphone port, external power supply (or battery charger) port, wired or nothing
Line data port, memory card port, the port for connecting the device with identification module, audio input/output (I/O) end
Mouth, video i/o port, ear port etc..Interface unit 108 can be used for receiving the input from external device (ED) (for example, number
It is believed that breath, electric power etc.) and the input received is transferred to one or more elements in mobile terminal 100 or can be with
For the transmission data between mobile terminal 100 and external device (ED).
Memory 109 can be used for storing software program and various data.Memory 109 can include mainly storing program area
And storage data field, wherein storing program area can storage program area, application program (such as the sound needed at least one function
Sound playing function, image player function etc.) etc.；Storage data field can store according to mobile phone use created data (such as
Voice data, phone directory etc.) etc..In addition, memory 109 may include high-speed random access memory, can also include non-easy
The property lost memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Processor 110 is the control centre of mobile terminal, utilizes each of various interfaces and the entire mobile terminal of connection
A part by running or execute the software program and/or module that are stored in memory 109, and calls and is stored in storage
Data in device 109 execute the various functions and processing data of mobile terminal, to carry out integral monitoring to mobile terminal.Place
Reason device 110 may include one or more processing units；Preferably, processor 110 can integrate application processor and modulatedemodulate is mediated
Manage device, wherein the main processing operation system of application processor, user interface and application program etc., modem processor is main
Processing wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 110.
In addition, in mobile terminal 100 shown in Fig. 1, processor 110 is for calling the movement stored in memory 109
Terminal payment program, and execute following operation：
In detecting through mobile terminal 100 after the payment instruction of application triggers, obtained by the payment instruction
Take the location information of 100 position of the mobile terminal；
If determining according to the positional information, the mobile terminal 100 is currently at preset limitation payment environment, base
Mapping relations between the limitation payment environment to prestore and limitation payment mode, are presently according to the mobile terminal 100
The limitation payment environment, determine current limitation payment mode, wherein the limitation payment mode include limit payment mould
Formula forbids payment mode and forbids transferring accounts to strange account pattern；
The executive mode for executing the payment instruction is determined according to the current limitation payment mode, and is held according to described
Line mode executes the payment instruction.
Further, if described determine that the mobile terminal 100 is currently at preset limitation according to the positional information
Payment environment, then based on the mapping relations between the limitation payment environment to prestore and limitation payment mode, according to described mobile whole
The 100 limitation payment environments that are presently in of end, the step of determining current limitation payment mode include：
If determining according to the positional information, the mobile terminal 100 is currently at strange route environment, is based on prestoring
Limitation payment environment and limitation payment mode between mapping relations current limit is determined according to the strange route environment
Payment mode processed is to forbid transferring accounts to strange account pattern；
If determining according to the positional information, the mobile terminal 100 is currently at remote environment, based on the limit to prestore
Mapping relations between payment environment processed and limitation payment mode determine current limitation payment mould according to the remote environment
Formula is to forbid payment mode；
If determining according to the positional information, the mobile terminal 100 is currently at consumer environment, based on the limit to prestore
Mapping relations between payment environment processed and limitation payment mode determine current limitation payment mould according to the consumer environment
Formula is limit payment mode.
Further, if described determine that the mobile terminal 100 is currently at strange route ring according to the positional information
Border, then based on the mapping relations between the limitation payment environment that prestores and limitation payment mode, according to the strange route environment,
Determine that current limitation payment mode is to forbid transferring accounts to before the step of strange account pattern, processor 110 is additionally operable to call
The mobile terminal payment program of the screen state stored in memory 109 executes following operation：
The user's common route stored in the mobile terminal 100 is obtained, judges the movement according to the positional information
Whether 100 present position of terminal is between the beginning and end of user's common route；
If 100 present position of the mobile terminal not between the beginning and end of user's common route,
Determine that the mobile terminal 100 is currently in strange route environment；
If 100 present position of the mobile terminal is between the beginning and end of user's common route, really
The fixed mobile terminal 100 is currently in user's common route environment.
Further, if described determine that the mobile terminal 100 is currently at strange route ring according to the positional information
Border, then based on the mapping relations between the limitation payment environment that prestores and limitation payment mode, according to the strange route environment,
Determine that current limitation payment mode is to forbid transferring accounts to after the step of strange account pattern, processor 110 is additionally operable to call
The mobile terminal payment program of the screen state stored in memory 109 executes following operation：
The reception account for receiving the amount of money is obtained by the payment instruction, and judges the reception account whether in the shifting
In the address list of dynamic terminal 100, and judge that the corresponding payment account of the payment instruction whether there is with the reception account
It transfers accounts record；
If the reception account is not in the address list, and the payment account with the reception account do not transfer accounts by presence
Record, it is determined that the reception account is strange account；
The current limitation payment mode of the basis determines the executive mode for executing the payment instruction, and according to institute
Stating the step of executive mode executes the payment instruction includes：
Determine that the executive mode for executing the payment instruction is to forbid turning according to described forbid transferring accounts to strange account pattern
Account mode；
The mode of transferring accounts is forbidden to forbid transferring accounts into the strange account according to described.
Further, the mode of transferring accounts is forbidden to forbid transferring accounts to the step in the strange account described in the basis,
Processor 110 is additionally operable to call the mobile terminal payment program of the screen state stored in memory 109, executes following operation：
The first prompt message is exported, to prompt user to pay failure according to first prompt message, and detects whether to detect
Measure transferring accounts to the transfer instructions of the strange account for user's triggering；
If detecting the transfer instructions, transferred accounts into the strange account according to the transfer instructions.
Further, if described determine that the mobile terminal 100 is currently at consumer environment according to the positional information,
It is determined current according to the consumer environment based on the mapping relations between the limitation payment environment to prestore and limitation payment mode
Limitation payment mode the step of being limit payment mode after, processor 110 is additionally operable to call the screen that stores in memory 109
The mobile terminal payment program of tentiform state executes following operation：
The amount of money to be paid is obtained by the payment instruction, judges whether the amount of money to be paid is more than the limit and pays
The corresponding limitation amount of money of pattern；
If the amount of money to be paid is more than the limitation amount of money, the second prompt message is exported, to be carried according to described second
Show information alert payment failure.
Further, the current limitation payment mode of the basis determines the execution side for executing the payment instruction
Formula, and after the step of executing the payment instruction according to the executive mode, processor 110 is additionally operable to call memory 109
The mobile terminal payment program of the screen state of middle storage executes following operation：
After detecting the modification for changing mapping relations instruction, closed according to being mapped described in the modification instruction modification
System, obtains the modified mapping relations；
Store the modified mapping relations.
Further, described after the payment instruction of application triggers, to pass through institute in detecting through mobile terminal 100
Before stating the step of payment instruction obtains the location information of 100 position of the mobile terminal, processor 110 is additionally operable to call
The mobile terminal payment program of the screen state stored in memory 109 executes following operation：
After detecting the setting that the mapping relations are set instruction, the limitation is arranged according to setting instruction and is paid
Mapping relations between environment and limitation payment mode, and store the set mapping relations.
Mobile terminal 100 can also include the power supply 111 (such as battery) powered to all parts, it is preferred that power supply 111
Can be logically contiguous by power-supply management system and processor 110, to realize management charging by power-supply management system, put
The functions such as electricity and power managed.
Although Fig. 1 is not shown, mobile terminal 100 can also be including bluetooth module etc., and details are not described herein.
Embodiment to facilitate the understanding of the present invention, below to the communications network system that is based on of mobile terminal of the present invention into
Row description.
Referring to Fig. 2, Fig. 2 is a kind of communications network system Organization Chart provided in an embodiment of the present invention, the communication network system
System is the LTE system of universal mobile communications technology, which includes communicating UE (User Equipment, the use of connection successively
Family equipment) (the lands Evolved UMTS Terrestrial Radio Access Network, evolved UMTS 201, E-UTRAN
Ground wireless access network) 202, EPC (Evolved Packet Core, evolved packet-based core networks) 203 and operator IP operation
204。
Specifically, UE201 can be above-mentioned mobile terminal 100, and details are not described herein again.
E-UTRAN202 includes eNodeB2021 and other eNodeB2022 etc..Wherein, eNodeB2021 can be by returning
Journey (backhaul) (such as X2 interface) is connect with other eNodeB2022, and eNodeB2021 is connected to EPC203,
ENodeB2021 can provide the access of UE201 to EPC203.
EPC203 may include MME (Mobility Management Entity, mobility management entity) 2031, HSS
(Home Subscriber Server, home subscriber server) 2032, other MME2033, SGW (Serving Gate Way,
Gateway) 2034, PGW (PDN Gate Way, grouped data network gateway) 2035 and PCRF (Policy and
Charging Rules Function, policy and rate functional entity) 2036 etc..Wherein, MME2031 be processing UE201 and
The control node of signaling, provides carrying and connection management between EPC203.HSS2032 is all to manage for providing some registers
Such as the function of home location register (not shown) etc, and some are preserved in relation to use such as service features, data rates
The dedicated information in family.All customer data can be sent by SGW2034, and PGW2035 can provide the IP of UE 201
Address is distributed and other functions, and PCRF2036 is strategy and the charging control strategic decision-making of business data flow and IP bearing resources
Point, it selects and provides available strategy and charging control decision with charge execution function unit (not shown) for strategy.
IP operation 204 may include internet, Intranet, IMS (IP Multimedia Subsystem, IP multimedia
System) or other IP operations etc..
Although above-mentioned be described by taking LTE system as an example, those skilled in the art it is to be understood that the present invention not only
Suitable for LTE system, be readily applicable to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA with
And the following new network system etc., it does not limit herein.
Based on above-mentioned terminal hardware structure and communications network system, each of payment method of the present invention is proposed
Embodiment.
The present invention provides a kind of payment method.
It is the flow diagram of payment method first embodiment of the present invention with reference to Fig. 3, Fig. 3.
In the present embodiment, the embodiment of payment method is provided, it should be noted that although in flow chart
In show logical order, but in some cases, can be to execute shown or described step different from sequence herein
Suddenly.
In the present embodiment, payment method is optional is applied in mobile terminal, payment method packet
It includes：
Step S10 is obtained in detecting through mobile terminal after the payment instruction of application triggers by payment instruction
Take the location information of mobile terminal position.
After mobile terminal detects the payment instruction that user triggers in its application program installed, mobile terminal is logical
Cross the location information that the payment instruction obtains its position.Wherein, which is answering for payment in mobile terminal
Such as can be the APP of Alipay, wechat or other banks with program.Mobile terminal can obtain position letter by positioning device
Breath, such as obtains location information by GPS (Global Positioning System, global positioning system).Location information packet
It includes mobile terminal and is currently located place and the environmental information within the scope of the place certain distance, it can by the environmental information
Determine that the place periphery whether there is other businessmans, consumption place etc..As shown in figure 4, user can be used by clicking mobile terminal
Start the application program in the icon of the application program of payment, after starting the application program, branch is triggered in the application program
Pay instruction.
Step S20, if determining that mobile terminal is currently at preset limitation payment environment according to location information, based on pre-
Mapping relations between the limitation payment environment deposited and limitation payment mode pay ring according to the limitation that mobile terminal is presently in
Border determines current limitation payment mode, wherein limitation payment mode includes limit payment mode, forbids payment mode and taboo
Rotation stop account is to strange account pattern.
After acquisition for mobile terminal is to location information, whether mobile terminal is currently located according to acquired location information judgement
In preset limitation payment environment.If mobile terminal determines that its present position is preset according to acquired location information
Payment environment is limited, the mapping that mobile terminal then obtains pre-stored limitation payment environment and limits between payment mode is closed
System, and the mapping relations are based on, the limitation payment environment being presently according to it determines current limitation payment mode.Wherein,
Limitation payment environment includes but not limited to strange route environment, remote environment and consumer environment, and limitation payment mode includes but not
It is limited to limit payment mode, forbids payment mode and forbid transferring accounts to strange account pattern.Payment environment is limited to pay with limitation
Mapping relations between pattern can be arranged according to specific needs, such as may be configured as when limitation payment environment being strange route environment
When, corresponding limitation payment mode is to forbid payment mode；When it is remote environment to limit payment environment, corresponding limitation payment
Pattern is to forbid transferring accounts to strange account pattern；When it is consumer environment to limit payment environment, corresponding limitation payment mode is
Limit payment mode and/or forbid transferring accounts to strange account pattern.
In the terminal, user can pre-set common route environment.Limitation residing for mobile terminal pays ring
When border is in non-remote environment and non-consumption environment, and residing limitation payment environment determines limitation not in common route environment
Payment environment is strange route environment.Remote environment is more spaciousness, and position of the periphery without businessman；Consumer environment is common
Consume place, such as market, CoCo Park, food and drink, public place of entertainment.
It is understood that in the present embodiment, not to limitation payment environment and limiting the mapping pass between payment mode
System is limited.
Step S30 determines the executive mode for executing payment instruction according to current limitation payment mode, and according to the side of execution
Formula executes payment instruction.
After mobile terminal determines current limitation payment mode, payment is executed according to current limitation payment mode determination
The executive mode of instruction, and the payment instruction is executed according to the executive mode.Wherein, when limitation payment mode is to forbid paying mould
When formula, corresponding executive mode is to forbid the means of payment；When limitation payment mode is to forbid transferring accounts to strange account pattern, and connect
When the reception account for receiving the amount of money is strange account, corresponding executive mode is to forbid the pattern of transferring accounts；When limitation payment mode is to prohibit
Rotation stop account is to strange account pattern, and the reception account for receiving the amount of money is when being familiar with account, and corresponding executive mode is to allow to turn
Account pattern；When it is limit payment mode to limit payment mode, corresponding executive mode is limitation payment mode, specific to limit
The amount of money of payment can be arranged according to specific needs, such as may be configured as 200,500 or 1000 etc..It should be noted that forbidding
For the means of payment to forbid to any account transfer, it is to forbid to strange account transfer to forbid the pattern of transferring accounts.
Further, payment method further includes：
Step a, when detect setting mapping relations setting instruction after, according to setting instruct setting limitation payment environment with
The mapping relations between payment mode are limited, and store set mapping relations.
Further, when mobile terminal detects mapping relations between setting limitation payment environment and limitation payment mode
After setting instruction, mobile terminal instructs setting limitation payment environment according to setting and limits the mapping relations between payment mode,
And store set mapping relations.In the present embodiment, a setting button can be set in the terminal, for that can pass through
Setting button triggering setting instruction.Mobile terminal can show a setting circle after detecting setting instruction in its screen
Limitation payment environment can be arranged in the setting interface and limit the mapping relations between payment mode by face, user.
The present embodiment determines that mobile terminal is in preset limit by working as according to the location information of mobile terminal position
When payment environment processed, based on the mapping relations between the limitation payment environment to prestore and limitation payment mode, current limit is determined
Payment mode processed determines the executive mode for executing payment instruction according to current limitation payment mode, and is held according to executive mode
Row payment instruction.In user by the application program payment process in mobile terminal, being determined according to mobile terminal local environment
Determine the means of payment, improves the safety paid by application program in mobile terminal.
Further, the second embodiment of payment method of the present invention is proposed.The of payment method
Difference lies in step S20 includes for two embodiments and the first embodiment of payment method：
Step b, if determining that mobile terminal is currently at strange route environment according to location information, based on the limitation to prestore
Mapping relations between payment environment and limitation payment mode determine current limitation payment mode according to strange route environment
To forbid transferring accounts to strange account pattern.
If mobile terminal determines that it is currently at strange route environment according to location information, mobile terminal is based on depositing in advance
Mapping relations between the limitation payment environment and limitation payment mode of storage determine current limitation according to strange route environment
Payment mode is to forbid transferring accounts to strange account pattern.It is further possible to be arranged when mobile terminal is in strange route ring
When border, corresponding limitation payment mode is to forbid payment mode and/or forbid transferring accounts to strange account pattern.
Further, payment method further includes：
Step e obtains the user's common route stored in mobile terminal, judges the current institute of mobile terminal according to location information
In position whether between the beginning and end of user's common route.
Step f, if mobile terminal present position is not between the beginning and end of user's common route, it is determined that move
Dynamic terminal is currently in strange route environment.
Step g, if mobile terminal present position is between the beginning and end of user's common route, it is determined that mobile
Terminal is currently in user's common route environment.
Further, the user's common route stored in acquisition for mobile terminal memory, it is true according to user's common route
Determine the beginning and end of user's common route, and judges its present position whether in user's common route according to location information
Beginning and end between.If mobile terminal present position is not between the beginning and end of user's common route, mobile
Terminal then determines that it is currently in strange route environment；If mobile terminal present position is in the starting point of user's common route
Between terminal, mobile terminal then determines that it is currently in user's common route environment.Wherein, the starting point of user's common route
Can be the home address of user, terminal is CompanyAddress, or is arranged as required to by user.In the present embodiment, work as movement
Terminal present position any place between user's common route beginning and end, you can determine that mobile terminal is in user
In common route environment.As shown in figure 5, if the home address of user is A, CompanyAddress B, if the walked route of user is route
1, and route 2 and route 3 between A and B can access line, as long as then may be configured as mobile terminal present position route 1,
When in route 2 or route 3, you can determine that mobile terminal is in user's common route environment；Or it is set as only mobile
When terminal present position is in route 1, it just can determine that mobile terminal is in user's common route environment.
Step c, if determining that mobile terminal is currently at remote environment according to location information, based on the limitation payment to prestore
Mapping relations between environment and limitation payment mode determine that current limitation payment mode is to forbid propping up according to remote environment
The pattern of paying.
If mobile terminal determines that it is currently at remote environment according to location information, mobile terminal is based on pre-stored
Limitation payment environment and the mapping relations limited between payment mode determine current limitation payment mode according to remote environment
To forbid payment mode.It is further possible to be arranged when mobile terminal is in remote environment, corresponding limitation payment mode
To forbid payment mode and/or forbid transferring accounts to strange account pattern, or it is set as that payment mode and/or limit is forbidden to pay
Pattern etc..
Step d, if determining that mobile terminal is currently at consumer environment according to location information, based on the limitation payment to prestore
Mapping relations between environment and limitation payment mode determine that current limitation payment mode is limit branch according to consumer environment
The pattern of paying.
If mobile terminal is currently at consumer environment according to location information determination, mobile terminal is based on the limitation branch to prestore
It pays environment and limits the mapping relations between payment mode, according to consumer environment, determine that current limitation payment mode is limit
Payment mode.It is further possible to be arranged when mobile terminal is in consumer environment, corresponding limitation payment mode is limit
Payment mode and/or forbid transferring accounts to strange account pattern.
It should be noted that mobile terminal can be arranged according to the priority setting instruction that user triggers strange route environment,
Priority between consumer environment and remote environment.The priority for being such as set as consumer environment is higher than remote environment, remote environment
Priority be higher than strange route environment.At this point, mobile terminal first detects whether it is currently in consumer environment.If at determination
After non-consumption environment, then detect whether to be in remote environment again；If being in non-remote environment, then detect whether in strange
Route environment.The priority that payment environment is limited by setting is avoided which kind of limitation payment ring detection mobile terminal is in
When border, there is the phenomenon that multiple testing results, improves the accuracy of limitation payment environment testing result.
The present embodiment is based on limitation payment environment and limits the mapping relations between payment mode, current by mobile terminal
Residing limitation payment environment determines corresponding limitation payment mode, avoids under different limitation payment environments, all corresponding
Same limitation payment mode, improve it is intelligent during mobile terminal payment, by paying ring in different limitations
Different limitation payment modes is corresponded under border, meets the different demands under various circumstances of user.
Further, in order to meet the different demands of user under various circumstances, can also under same limitation payment environment,
For the difference of the application program for payment, different limitation payment modes are set.Such as when mobile terminal is in remote environment,
The corresponding limitation payment modes of application program A for payment are to forbid payment mode, and the application program B for payment is corresponding
Limitation payment mode is limit payment mode.If under same limitation payment environment, the corresponding limitation payment of multiple application programs
Pattern is all limit payment mode, at this point, the corresponding limitation amount of money of different application can be the same, it can not also be the same.Into
One step, if same application all corresponds to limit payment mode under different limitation payment environments, in different limitations
Under payment environment, the corresponding limitation amount of money of the application program can be the same, can not also be the same.
Further, the 3rd embodiment of payment method of the present invention is proposed.The of payment method
Difference lies in reference to Fig. 6, payment method also wraps for three embodiments and the second embodiment of payment method
It includes：
Step h obtains the reception account for receiving the amount of money by payment instruction, and whether judges to receive account in mobile terminal
Address list in, and judge the corresponding payment account of payment instruction and receive account with the presence or absence of transferring accounts record.
Step i, if account is received not in address list, and not there is no record of transferring accounts with account is received in payment account, then really
Surely it is strange account to receive account.
After it is limit payment mode to determine limitation payment mode, mobile terminal is obtained by payment instruction and receives the amount of money
Receive account.Wherein, in payment instruction, contain the reception account for receiving payment amount.Account is received when mobile terminal determines
Afterwards, mobile terminal judges to receive account whether in the address list stored, and judges the corresponding payment account of the payment instruction
It whether there is record of transferring accounts with account is received.If receiving account not in address list, and payment account does not exist with account is received
It transfers accounts record, mobile terminal then determines that it is strange account to receive account.If receiving account in address list and/or payment account
There is record of transferring accounts with account is received, mobile terminal then determines that it is non-strange account to receive account.
Further, mobile terminal judges whether the process in the address list stored can be reception account：It is mobile whole
The corresponding telephone number of reception account is extracted in receiving account in end.If mobile terminal successfully extracts telephone number, and should
In contact person's address list that telephone number is stored there are memory, mobile terminal, which then determines, receives account in address list；If
The telephone number does not exist in contact person's address list that memory is stored, and mobile terminal, which then determines, receives account not in address list
In.If mobile terminal does not extract telephone number in the reception account, it is determined that receive account not in address list.
Further, mobile terminal judges whether the process in the address list stored can also be reception account：It is mobile
Terminal judges to receive account whether in the application address list for the application program for being currently used in payment.As being micro- when the application program
When letter, mobile terminal judge receive account whether be user wechat good friend's account.If receiving account not in answering for payment
Account is received not in address list in the application address list of program, mobile terminal then determines；If receiving account for paying
Application program application address list in, mobile terminal then determine receive account in address list.
Further, in order to improve detection receive account whether be strange account accuracy, mobile terminal can sentence simultaneously
Whether the telephone number at disconnecting receipt on account family is in contact person's address list, and receives account whether in application address list.Only
When not extracting telephone number receiving account, and account is received not in application address list, alternatively, being extracted in receiving account
To telephone number, but the telephone number is not in contact person's address list and when the reception account is in application address list, mobile
Terminal, which just determines, receives account not in address list.
Step S30 includes：
Step j determines that the executive mode for executing payment instruction is to forbid transferring accounts according to forbidding transferring accounts to strange account pattern
Mode.
Step k forbids transferring accounts into strange account according to the mode of transferring accounts is forbidden.
After mobile terminal determines that it is strange account to receive account, mobile terminal is according to forbidding transferring accounts to strange account pattern
It determines that the executive mode for executing payment instruction is to forbid the mode of transferring accounts, forbids transferring accounts to strange account according to the mode of transferring accounts is forbidden
In.
Further, payment method further includes：
Step l exports the first prompt message, to prompt user to pay failure according to the first prompt message, and detects whether
Detect user triggering transfer accounts to the transfer instructions of strange account.
Step m transfers accounts according to transfer instructions into strange account if detecting transfer instructions.
Further, after mobile terminal is forbidden transferring accounts into strange account, mobile terminal exports the first prompt message, with
It prompts user to pay failure according to the first prompt message, and detects whether that detecting transferring accounts to strange account for user's triggering turns
Account instructs.After mobile terminal detects the transfer instructions, mobile terminal is transferred accounts according to the transfer instructions to strange account.Its
In, the first prompt message can be showed in the form of voice or word etc., in the present embodiment, for the first prompt message
The form of expression be not limited.It is understood that in the present embodiment, which can be by user as needed in movement
It is triggered in terminal.After user triggers the transfer instructions in the terminal, it is equivalent to releasing and forbids transferring accounts to strange account
Limitation, user can decide whether to transfer accounts to strange account as needed.
The present embodiment by judge to receive account whether in address list to determine strange account, and receive account determining
After strange account, mobile terminal is forbidden transferring accounts to strange account, to ensure the fund security of user, improves by mobile whole
Hold the safety paid.
Further, the fourth embodiment of payment method of the present invention is proposed.The of payment method
Difference lies in payment method also wraps for four embodiments and the second or third embodiments of payment method
It includes：
Step n obtains the amount of money to be paid by payment instruction, judges whether the amount of money to be paid is more than limit payment mode pair
The limitation amount of money answered.
Step o exports the second prompt message, with according to the second prompt message if the amount of money to be paid is more than the limitation amount of money
Prompt payment failure.
Mobile terminal obtains the amount of money to be paid by payment instruction, and gold to be paid is judged after getting the amount of money to be paid
Whether volume is more than the corresponding limitation amount of money of limit payment mode.If the amount of money to be paid is more than the corresponding limitation gold of limit payment mode
Volume, mobile terminal then exports the second prompt message, and prompts user to pay failure according to the second prompt message, to improve user's money
The safety of gold.Wherein, the form of expression of the second prompt message includes but not limited to written form and speech form.If to be paid
The amount of money is equal to or less than the limitation amount of money, and mobile terminal then executes delivery operation according to payment instruction.
Further, at this point, mobile terminal can also prompt user balance insufficient according to the second prompt message, to allow illegal point
The account of sub- phase credit household is that really Sorry, your ticket has not enough value, further improves the safety of user's fund.
Further, the 5th embodiment of payment method of the present invention is proposed.The of payment method
Difference lies in mobile with reference to Fig. 6 for five embodiments and first, second, third or fourth embodiment of payment method
Terminal payment method further includes：
Step S40, according to modification instruction modification mapping relations, is obtained after detecting the modification instruction of modification mapping relations
To modified mapping relations.
Step S50 stores modified mapping relations.
After mobile terminal detects the modification instruction of the modification mapping relations of user's triggering, mobile terminal is according to the modification
Mapping relations between the pre-stored limitation payment environment of instruction modification and limitation payment mode, to obtain modified mapping
Relationship.After mobile terminal obtains modified mapping relations, modified mapping relations are replaced with modification by mobile terminal
Preceding mapping relations, to store modified mapping relations.
For the present embodiment by the mapping relations between storage limitation payment environment and limitation payment mode, user can basis
It needs to change the mapping relations, so that the mapping relations that mobile terminal is stored meet user's demand in different time periods.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium.
Mobile terminal payment program is stored on computer readable storage medium, mobile terminal payment program is held by processor
The step of payment method is realized when row.
Computer readable storage medium specific implementation mode of the present invention and each embodiment base of above-mentioned payment method
This is identical, and details are not described herein.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or system including a series of elements include not only those elements, and
And further include the other elements being not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or system.
The embodiments of the present invention are for illustration only, can 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 this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be mobile phone, computer, clothes
Be engaged in device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of payment method, which is characterized in that the payment method includes：
In detecting through mobile terminal after the payment instruction of application triggers, the shifting is obtained by the payment instruction
The location information of dynamic terminal position；
If determining according to the positional information, the mobile terminal is currently at preset limitation payment environment, based on what is prestored
It limits payment environment and limits the mapping relations between payment mode, the limitation branch being presently according to the mobile terminal
Environment is paid, determines current limitation payment mode, wherein the limitation payment mode includes limit payment mode, forbids paying
Pattern and forbid transferring accounts to strange account pattern；
The executive mode for executing the payment instruction is determined according to the current limitation payment mode, and according to the side of execution
Formula executes the payment instruction.
2. payment method as described in claim 1, which is characterized in that if described determine according to the positional information
The mobile terminal is currently at preset limitation payment environment, then based on the limitation payment environment to prestore and limitation payment mode
Between mapping relations, the limitation payment environment being presently according to the mobile terminal determines current limitation payment
The step of pattern includes：
If determining according to the positional information, the mobile terminal is currently at strange route environment, based on the limitation branch to prestore
It pays environment and limits the mapping relations between payment mode, according to the strange route environment, determine current limitation payment mould
Formula is to forbid transferring accounts to strange account pattern；
If determining according to the positional information, the mobile terminal is currently at remote environment, and ring is paid based on the limitation to prestore
Mapping relations between border and limitation payment mode determine that current limitation payment mode is to forbid according to the remote environment
Payment mode；
If determining according to the positional information, the mobile terminal is currently at consumer environment, and ring is paid based on the limitation to prestore
Mapping relations between border and limitation payment mode determine that current limitation payment mode is limit according to the consumer environment
Payment mode.
3. payment method as claimed in claim 2, which is characterized in that if described determine according to the positional information
The mobile terminal is currently at strange route environment, then based between the limitation payment environment to prestore and limitation payment mode
Mapping relations determine that current limitation payment mode is to forbid transferring accounts to strange account pattern according to the strange route environment
The step of before, further include：
The user's common route stored in the mobile terminal is obtained, judges that the mobile terminal is current according to the positional information
Whether position is between the beginning and end of user's common route；
If the mobile terminal present position is not between the beginning and end of user's common route, it is determined that described
Mobile terminal is currently in strange route environment；
If the mobile terminal present position is between the beginning and end of user's common route, it is determined that the shifting
Dynamic terminal is currently in user's common route environment.
4. payment method as claimed in claim 2, which is characterized in that if described determine according to the positional information
The mobile terminal is currently at strange route environment, then based between the limitation payment environment to prestore and limitation payment mode
Mapping relations determine that current limitation payment mode is to forbid transferring accounts to strange account pattern according to the strange route environment
The step of after, further include：
The reception account for receiving the amount of money is obtained by the payment instruction, and judges the reception account whether described mobile whole
In the address list at end, and judge the corresponding payment account of the payment instruction with the reception account with the presence or absence of note of transferring accounts
Record；
If the reception account is not in the address list, and not there is no note of transferring accounts in the payment account with the reception account
Record, it is determined that the reception account is strange account；
The current limitation payment mode of the basis determines the executive mode for executing the payment instruction, and is held according to described
Line mode execute the payment instruction the step of include：
Determine that the executive mode for executing the payment instruction is to forbid the side of transferring accounts according to described forbid transferring accounts to strange account pattern
Formula；
The mode of transferring accounts is forbidden to forbid transferring accounts into the strange account according to described.
5. payment method as claimed in claim 4, which is characterized in that forbid the mode of transferring accounts to prohibit described in the basis
After step in rotation stop account to the strange account, further include：
The first prompt message is exported, to prompt user to pay failure according to first prompt message, and detects whether to detect
User's triggering is transferred accounts to the transfer instructions of the strange account；
If detecting the transfer instructions, transferred accounts into the strange account according to the transfer instructions.
6. payment method as claimed in claim 2, which is characterized in that if described determine according to the positional information
The mobile terminal is currently at consumer environment, then based on the mapping between the limitation payment environment to prestore and limitation payment mode
Relationship after determining the step of current limitation payment mode is limit payment mode, further includes according to the consumer environment：
The amount of money to be paid is obtained by the payment instruction, judges whether the amount of money to be paid is more than the limit payment mode
The corresponding limitation amount of money；
If the amount of money to be paid is more than the limitation amount of money, the second prompt message is exported, to believe according to second prompt
Breath prompt payment failure.
7. payment method as described in claim 1, which is characterized in that the current limitation payment of the basis
Pattern determines the executive mode for executing the payment instruction, and the step of payment instruction is executed according to the executive mode it
Afterwards, further include：
After detecting the modification for changing mapping relations instruction, according to mapping relations described in the modification instruction modification, obtain
To the modified mapping relations；
Store the modified mapping relations.
8. payment method as described in any one of claim 1 to 7, which is characterized in that described ought detect passes through
In mobile terminal after the payment instruction of application triggers, the mobile terminal position is obtained by the payment instruction
Before the step of location information, further include：
After detecting the setting that the mapping relations are set instruction, the limitation payment environment is arranged according to setting instruction
With the mapping relations between limitation payment mode, and the set mapping relations are stored.
9. a kind of mobile terminal, which is characterized in that the mobile terminal includes memory, processor and is stored in the memory
Mobile terminal payment program that is upper and can running on the processor, the mobile terminal payment program are held by the processor
It is realized such as the step of payment method described in any item of the claim 1 to 8 when row.
10. a kind of computer readable storage medium, which is characterized in that be stored on the computer readable storage medium mobile whole
Payment program is held, is realized as described in any item of the claim 1 to 8 when the mobile terminal payment program is executed by processor
The step of payment method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810094804.0A CN108305077A (en) | 2018-01-30 | 2018-01-30 | Payment method, mobile terminal and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810094804.0A CN108305077A (en) | 2018-01-30 | 2018-01-30 | Payment method, mobile terminal and computer readable storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108305077A true CN108305077A (en) | 2018-07-20 |
Family
ID=62867201
Family Applications (1)
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| CN201810094804.0A Pending CN108305077A (en) | 2018-01-30 | 2018-01-30 | Payment method, mobile terminal and computer readable storage medium |
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| CN109146494A (en) * | 2018-08-06 | 2019-01-04 | 广东小天才科技有限公司 | A kind of method of payment, system and wearable device |
| CN109325753A (en) * | 2018-09-11 | 2019-02-12 | 中国银行股份有限公司 | It transfers accounts control method, device and system |
| CN109409870A (en) * | 2018-11-06 | 2019-03-01 | 广东小天才科技有限公司 | A kind of safe payment method, device and user terminal |
| CN109636401A (en) * | 2018-11-30 | 2019-04-16 | 上海爱优威软件开发有限公司 | A kind of method of payment and system based on the micro- expression of user |
| CN110362446A (en) * | 2019-06-19 | 2019-10-22 | 平安普惠企业管理有限公司 | Mobile application abnormal operation monitoring method, device, storage medium and electronic equipment |
| CN112418842A (en) * | 2020-11-16 | 2021-02-26 | 深圳市橡树黑卡网络科技有限公司 | Payment mode processing method, device, equipment and storage medium |
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