CN109472612B - Safety payment method and device, wearable device and storage medium - Google Patents

Safety payment method and device, wearable device and storage medium Download PDF

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Publication number
CN109472612B
CN109472612B CN201811284327.0A CN201811284327A CN109472612B CN 109472612 B CN109472612 B CN 109472612B CN 201811284327 A CN201811284327 A CN 201811284327A CN 109472612 B CN109472612 B CN 109472612B
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Prior art keywords
payment
merchant
information
wearable device
payment terminal
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CN109472612A (en
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胡明武
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Guangdong Genius Technology Co Ltd
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Guangdong Genius Technology Co Ltd
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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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/401—Transaction verification

Abstract

The invention is suitable for the technical field of mobile payment, and provides a secure payment method, a device, wearable equipment and a computer readable storage medium, wherein the secure payment method is applied to the wearable equipment, and comprises the following steps: sending an information reading instruction to a merchant payment terminal by wearable equipment, wherein the information reading instruction is sent when the distance between the wearable equipment and the merchant payment terminal meets a first preset distance; acquiring merchant information which is fed back by a merchant payment terminal and corresponds to the information reading instruction; if the merchant information is legal, sending the payment account number to a merchant payment terminal for payment operation; the payment account is an account bound with the wearable device. The invention solves the problem of complicated mobile payment procedures, realizes quick and safe mobile payment, improves the efficiency of mobile payment and ensures the safety of user funds.

Description

Safety payment method and device, wearable device and storage medium
Technical Field
The invention relates to the technical field of mobile payment, in particular to a secure payment method, a secure payment device, wearable equipment and a computer-readable storage medium.
Background
With the continuous development of science and technology, mobile payment is just an indispensable payment mode in daily life of people, and the daily life of people is greatly facilitated and enriched.
When the mobile terminal is used for executing payment operation, a corresponding payment application program is often required to be opened on the mobile terminal, and a corresponding two-dimensional code for receiving and paying is further displayed for mobile payment operation; or opening a payment application program of the mobile terminal, further opening the scanning device, and scanning the corresponding payment code to carry out payment operation; the payment procedure in the place where the mobile payment is frequently used is complicated and consumes more time; and the payment operation can only be completed in a networking state, and if the network environment is unsafe, the leakage of user information can be caused, and property loss is brought to the user.
In summary, how to improve the rapidness and the security of mobile payment and avoid the tedious mobile payment procedure and the leakage of user information becomes a problem to be solved urgently by those skilled in the art.
Disclosure of Invention
The embodiment of the invention provides a safe payment method, a safe payment device, wearable equipment and a computer readable storage medium, which can realize off-line safe and quick payment operation, avoid the problems of complicated payment procedure, more time consumption and user information leakage, improve the timeliness and safety of mobile payment and protect the fund safety of a user.
In a first aspect of the embodiments of the present invention, a secure payment method is provided, which is applied to a wearable device, and the secure payment method includes:
sending an information reading instruction to a merchant payment terminal by wearable equipment, wherein the information reading instruction is sent when the distance between the wearable equipment and the merchant payment terminal meets a first preset distance;
acquiring merchant information which is fed back by a merchant payment terminal and corresponds to the information reading instruction;
if the merchant information is legal, sending the payment account number to a merchant payment terminal for payment operation; the payment account is an account bound with the wearable device.
In one embodiment, before sending, by a wearable device, an information reading instruction to a merchant payment terminal, the information reading instruction being sent when a distance between the wearable device and the merchant payment terminal satisfies a first preset distance, the method includes:
the wearable device acquires a prepayment trigger operation of a user, and starts a payment function according to the prepayment trigger operation;
after the payment function is started, when the distance between the wearable device and the merchant payment terminal meets a second preset distance, the wearable device and the merchant payment terminal are connected in a data transmission mode.
In one embodiment, sending, by a wearable device, an information reading instruction to a merchant payment terminal, where the information reading instruction is sent when a distance between the wearable device and the merchant payment terminal satisfies a first preset distance, includes:
and sending an information reading instruction to a merchant payment terminal through the data transmission connection.
In one embodiment, after acquiring the merchant information corresponding to the information reading instruction fed back by the merchant payment terminal, the method includes:
and decrypting the merchant information and judging whether the merchant information is legal or not.
In one embodiment, if the merchant information is legal, the payment account is sent to a merchant payment terminal for payment operation, which includes:
and directly carrying out deduction payment through a third party payment service terminal bound with the payment account.
In one embodiment, if the merchant information is legal, the payment account is sent to a merchant payment terminal for payment operation, which includes:
and directly carrying out deduction payment through a third party payment service terminal bound with the payment account.
In one embodiment, the secure payment method further comprises:
after the payment operation is finished, obtaining payment information fed back by a merchant payment terminal;
synchronizing the payment information in a state where the wearable device is networked.
In a second aspect of the embodiments of the present invention, there is provided a secure payment apparatus, which is applied to a wearable device, the secure payment apparatus including:
the command sending module is used for sending an information reading command to the merchant payment terminal by the wearable device, and the information reading command is sent when the distance between the wearable device and the merchant payment terminal meets a first preset distance;
the information acquisition module is used for acquiring merchant information which is fed back by the merchant payment terminal and corresponds to the information reading instruction;
the payment confirming module is used for sending the payment account number to a merchant payment terminal to carry out payment operation if the merchant information is legal; the payment account is an account bound with the wearable device.
In one embodiment, the secure payment apparatus further includes:
the function starting module is used for acquiring a pre-payment triggering operation of a user by the wearable equipment and starting a touch payment function according to the pre-payment triggering operation;
and the connection establishing module is used for establishing data transmission connection between the wearable equipment and the merchant payment terminal when the distance between the wearable equipment and the merchant payment terminal meets a second preset distance.
In a third aspect of embodiments of the present invention, there is provided a wearable device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the secure payment method according to the first aspect when executing the computer program.
In a fourth aspect of embodiments of the present invention, a computer-readable storage medium is provided, which stores a computer program, and the computer program, when executed by a processor, implements the steps of the secure payment method according to the first aspect.
According to the technical scheme, the embodiment of the invention has the following advantages:
in the embodiment of the invention, a wearable device sends an information reading instruction to a merchant payment terminal, wherein the information reading instruction is sent when the distance between the wearable device and the merchant payment terminal meets a first preset distance; acquiring merchant information which is fed back by a merchant payment terminal and corresponds to the information reading instruction; if the merchant information is legal, sending the payment account number to a merchant payment terminal for payment operation; the payment account is an account bound with the wearable device. The safety of near-field payment or touch payment is guaranteed by acquiring and verifying the merchant information when a certain distance is met between the wearable device and the merchant payment terminal; the payment operation is carried out by directly deducting the payment account number bound with the wearable equipment, the offline payment operation of the wearable equipment in an unconnected state is realized, the rapid and safe mobile payment is realized for a region with large people flow, the efficiency of the mobile payment is improved, and the safety of user funds is ensured.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a flow chart of an embodiment of a secure payment method in an embodiment of the invention;
fig. 2 is a schematic interaction flow diagram of a secure payment method in an application scenario according to an embodiment of the present invention;
FIG. 3 is a block diagram of one embodiment of a secure payment device in accordance with one embodiment of the present invention;
fig. 4 is a schematic diagram of a wearable device according to an embodiment of the present invention.
Detailed Description
The embodiment of the invention provides a safe payment method, a safe payment device, wearable equipment and a computer-readable storage medium, which are used for updating a password input interface in real time so as to prevent others from snooping a payment password, avoid the leakage of the payment password, improve the safety degree of the wearable equipment during payment and protect the fund safety of a user.
In order to make the objects, features and advantages of the present invention more obvious and understandable, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is obvious that the embodiments described below are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, an embodiment of the present invention provides a secure payment method applied to a wearable device, where the secure payment method includes:
step S101, the wearable device sends an information reading instruction to a merchant payment terminal, and the information reading instruction is sent when the distance between the wearable device and the merchant payment terminal meets a first preset distance.
In the embodiment of the invention, the wearable device includes, but is not limited to, a smart watch, a smart bracelet, smart glasses, or the like, wherein the wearable device has a payment function, for example, an application program with the payment function is installed in the wearable device, the application program corresponds to a payment account of a user, and the payment account is bound with a third-party payment terminal.
It should be noted that, in order to make the wearable device safer in the payment process, a first preset distance is set, and when the distance between the wearable device and the merchant payment terminal meets the first preset distance, the wearable device communicates with the merchant payment terminal; the first preset distance may be set according to a specific category of the wearable device, for example, if the wearable device is a watch, the first preset distance may be set to be 2 centimeters, and when the distance between the watch and the merchant payment terminal is within a range of 2 centimeters or the watch contacts the merchant payment terminal, the information reading instruction is sent to the merchant payment terminal.
In addition, the sent information reading instruction is an instruction for sending a radio frequency field to read the relevant information of the merchant payment terminal through a chip installed in the wearable device, and the information reading instruction is sent to the merchant payment terminal through the set transmission speed.
In one embodiment, before sending, by a wearable device, an information reading instruction to a merchant payment terminal, the information reading instruction being sent when a distance between the wearable device and the merchant payment terminal satisfies a first preset distance, the method includes:
a1, acquiring a pre-payment trigger operation of a user by the wearable device, and starting a payment function according to the pre-payment trigger operation.
In an embodiment of the present invention, the prepaid triggering operation may be an operation performed by the user on the wearable device, such as at least one of a shaking operation, a clicking action, a pressing action, or a voice action; or an action performed by the user on the wearable device, e.g. a one-key-on, a double-click on the screen, etc. When the wearable device acquires the pre-payment triggering operation of the user, starting a payment function; the payment function can be a touch payment function or a near field payment function.
In addition, before the payment function is started, the prepayment trigger operation of the user needs to be judged, whether the prepayment trigger operation is matched with the preset operation action or not, if one action in the prepayment trigger operation is matched with the preset operation action, the payment function is started, and the safety of the current payment state of the user is further ensured.
A2, after the payment function is started, when the distance between the wearable device and the merchant payment terminal meets a second preset distance, the wearable device and the merchant payment terminal establish data transmission connection.
In this embodiment, after the payment function is started, the wearable device approaches the merchant payment terminal, and when the wearable device and the merchant payment terminal satisfy a second preset distance, the wearable device establishes data transmission connection with the merchant payment terminal, where the second preset distance may be greater than the first preset distance, and specifically, the distance may be set according to the type of the wearable device and the type of a chip built in the wearable device; for example, the second preset distance may be set to 5 centimeters or 10 centimeters, and when the distance between the wearable device and the merchant payment terminal is within a range of 5 centimeters or 10 centimeters, the data transmission connection is established through a specific magnetic field.
In one embodiment, sending, by a wearable device, an information reading instruction to a merchant payment terminal, where the information reading instruction is sent when a distance between the wearable device and the merchant payment terminal satisfies a first preset distance, includes:
and sending an information reading instruction to a merchant payment terminal through the data transmission connection.
In this embodiment, after the wearable device establishes data transmission connection with the merchant payment terminal, the wearable device sends an information reading instruction to the merchant payment terminal through the data transmission connection.
It should be noted that when payment operation needs to be performed through the wearable device, the advance payment trigger operation of the user is obtained, and when the distance between the wearable device and the merchant payment terminal meets a certain condition, the information reading instruction is sent.
In addition, the established data transmission connection can be realized in a network-free state, and the information reading instruction is sent to the merchant payment terminal, and can also be realized in the network-free state.
And step S102, acquiring merchant information corresponding to the information reading instruction fed back by the merchant payment terminal.
In the embodiment of the present invention, the information reading instruction is used to read merchant information of a merchant payment terminal, where the merchant information may include information such as a merchant name, a business license, or a merchant certificate.
It should be noted that, a chip is arranged in a payment unit of the wearable device to encrypt and transmit transmitted data, so as to ensure the security of user information; and sending the encrypted information reading instruction to the merchant payment terminal to obtain corresponding merchant information.
In one embodiment, after acquiring the merchant information corresponding to the information reading instruction fed back by the merchant payment terminal, the method includes:
and decrypting the merchant information and judging whether the merchant information is legal or not.
In the embodiment, the established data transmission connection is safer by setting the magnetic field of the encryption chip, and the established connection time is very short, so that the connection can be completed in less than 0.1 second; for example, between a merchant payment terminal and a wearable device, both of which are provided with near field communication NFC devices in a bidirectional mode, point-to-point communication may be established by actively emitting a radio frequency field, and encrypted data may be transmitted at one transmission speed. The wearable device obtains the encrypted merchant information, decrypts and verifies the merchant information through the corresponding encryption and decryption keys, and judges the validity of the merchant information.
Step S103, if the merchant information is legal, sending the payment account number to a merchant payment terminal for payment operation; the payment account is an account bound with the wearable device.
In the embodiment of the invention, if the decryption of the merchant information is successful and the merchant information is verified to be legal, the corresponding payment account is sent to the merchant payment terminal through the established data transmission connection, the payment account is bound with the third-party payment service terminal, and the payment operation is directly carried out through the payment account according to the current consumption information.
In one embodiment, if the merchant information is legal, the payment account is sent to a merchant payment terminal for payment operation, which includes:
and directly carrying out deduction payment through a third party payment service terminal bound with the payment account.
In the embodiment of the invention, the wearable device is bound with the payment account number, the payment account number is correspondingly bound with the third-party payment service terminal or the fixed bank account, and the payment operation is finished by directly deducting the money of the bank account or the third-party payment service terminal according to the consumption information.
It should be noted that, while the wearable device sends the payment account to the merchant payment terminal, the merchant payment terminal also obtains the third party payment service terminal bound with the payment account or the corresponding bank account, and since the merchant payment terminal is in the networking state, the corresponding bank account or the third party payment service terminal can be directly deducted according to the consumption information.
In one embodiment, the secure payment method further includes:
after the payment operation is finished, obtaining payment information fed back by a merchant payment terminal;
synchronizing the payment information in a state where the wearable device is networked.
In this embodiment, after the merchant receives the payment amount and finishes payment, the wearable device obtains payment information fed back by the merchant payment terminal, where the payment information includes the payment amount, the commodity name, or the merchant name. Because the wearable equipment is in the payment operation that accomplishes under the no network state, the consumption record that carries on can realize the synchronization under the state of wearable equipment networking to can save current payment information.
According to the embodiment of the invention, the mobile code scanning payment is improved, the problem of quick payment is solved, the security of payment transaction is ensured by configuring the encryption chip in the wearable device, the application scene of offline payment is realized, and the corresponding near field or touch payment module is configured in the corresponding payment terminal in areas with large people flow, such as subway stations, bus stations, shopping malls and the like, so that the payment efficiency is improved, and the security of transaction is ensured.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
Example two
Referring to fig. 2, an interaction flow diagram of various secure payment methods in an application scenario is provided. The interaction process is the same as the method process of the first embodiment in terms of implementation principle, and is not described herein again.
1. The wearable device realizes mobile payment through near field or contact with a merchant payment terminal;
2. the merchant payment module can acquire a payment account number bound with the wearable device, and further can deduct money from a third party payment service terminal or a bank account bound with the payment account number according to the payment account number;
3. the merchant payment terminal synchronizes payment information in a networking way;
4. the wearable device acquires payment information fed back by the merchant payment terminal and further confirms the payment information.
A secure payment method has been mainly described above, and a secure payment apparatus will be described in detail below.
EXAMPLE III
As shown in fig. 3, an embodiment of the present invention provides a secure payment apparatus, which is applied to a wearable device, and includes:
the instruction sending module 301 is configured to send an information reading instruction to a merchant payment terminal by a wearable device, where the information reading instruction is sent when a distance between the wearable device and the merchant payment terminal meets a first preset distance;
the information acquisition module 302 is configured to acquire merchant information corresponding to the information reading instruction, which is fed back by a merchant payment terminal;
a payment confirming module 303, configured to send the payment account to a merchant payment terminal to perform a payment operation if the merchant information is legal; the payment account is an account bound with the wearable device.
In one embodiment, the secure payment apparatus further includes:
the function starting module is used for acquiring a pre-payment triggering operation of a user by the wearable equipment and starting a touch payment function according to the pre-payment triggering operation;
and the connection establishing module is used for establishing data transmission connection between the wearable equipment and the merchant payment terminal when the distance between the wearable equipment and the merchant payment terminal meets a second preset distance.
In one embodiment, the information reading instruction is sent to the merchant payment terminal through the data transmission connection.
In one embodiment, the secure payment apparatus further includes:
and the information processing module is used for carrying out decryption processing on the merchant information and judging whether the merchant information is legal or not.
In one embodiment, the deduction payment is directly carried out through a third party payment service terminal bound with the payment account number.
In one embodiment, the secure payment apparatus further includes:
the payment information receiving module is used for acquiring payment information fed back by the merchant payment terminal after the payment operation is finished;
and the payment information synchronization module is used for synchronizing the payment information in the networking state of the wearable equipment.
According to the embodiment of the invention, when a certain distance is met between the wearable device and the merchant payment terminal, the merchant information is acquired and verified, so that the safety of near-field payment or touch payment is ensured; the payment operation is carried out by directly deducting the payment account number bound with the wearable equipment, the offline payment operation of the wearable equipment in an unconnected state is realized, the rapid and safe mobile payment is realized for a region with large people flow, the efficiency of the mobile payment is improved, and the safety of user funds is ensured.
It will be apparent to those skilled in the art that, for convenience and simplicity of description, the foregoing division of the functional modules is merely illustrated, and in practical applications, the above function distribution may be performed by different functional units and modules as needed, that is, the internal structure of the mobile terminal is divided into different functional units or modules to perform all or part of the above described functions. Each functional module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional modules are only used for distinguishing one functional module from another, and are not used for limiting the protection scope of the application. The specific working process of the module in the mobile terminal may refer to the corresponding process in the foregoing method embodiment, and is not described herein again.
Fig. 4 is a schematic diagram of a wearable device according to an embodiment of the present invention. As shown in fig. 4, the wearable device 4 of this embodiment includes: a processor 40, a memory 41 and a computer program 42, such as a secure payment program, stored in said memory 41 and executable on said processor 40. The processor 40 implements the steps in the various secure payment method embodiments described above, such as the steps S101 to S103 shown in fig. 1, when executing the computer program 42. Alternatively, the processor 40, when executing the computer program 42, implements the functions of each module/unit in the above-mentioned device embodiments, for example, the functions of the modules 301 to 303 shown in fig. 3.
Illustratively, the computer program 42 may be partitioned into one or more modules/units that are stored in the memory 41 and executed by the processor 40 to implement the present invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program 42 in the wearable device 4. For example, the computer program 42 may be divided into an instruction sending module, an information obtaining module, and a payment confirmation module, and each module has the following specific functions:
the command sending module is used for sending an information reading command to the merchant payment terminal by the wearable device, and the information reading command is sent when the distance between the wearable device and the merchant payment terminal meets a first preset distance;
the information acquisition module is used for acquiring merchant information which is fed back by the merchant payment terminal and corresponds to the information reading instruction;
the payment confirming module is used for sending the payment account number to a merchant payment terminal to carry out payment operation if the merchant information is legal; the payment account is an account bound with the wearable device.
The wearable device 4 may include, but is not limited to, a processor 40, a memory 41. Those skilled in the art will appreciate that fig. 4 is merely an example of a wearable device 4, and does not constitute a limitation of wearable device 4, and may include more or fewer components than shown, or combine certain components, or different components, e.g., wearable device 4 may also include input-output devices, network access devices, buses, etc.
The Processor 40 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 41 may be an internal storage unit of the wearable device 4, such as a hard disk or a memory of the wearable device 4. The memory 41 may also be an external storage device of the wearable device 4, such as a plug-in hard disk provided on the wearable device 4, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. Further, the memory 41 may also include both an internal storage unit of the wearable device 4 and an external storage device. The memory 41 is used to store the computer program and other programs and data required by the wearable device 4. The memory 41 may also be used to temporarily store data that has been output or is to be output.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art would appreciate that the modules, elements, and/or method steps of the various embodiments described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims (9)

1. A secure payment method is applied to a wearable device and comprises the following steps:
sending an information reading instruction to a merchant payment terminal by wearable equipment, wherein the information reading instruction is sent when the distance between the wearable equipment and the merchant payment terminal meets a first preset distance, and the network state of the wearable equipment comprises an unconnected state;
acquiring merchant information which is fed back by a merchant payment terminal and corresponds to the information reading instruction;
if the merchant information is legal, sending the payment account number to a merchant payment terminal for payment operation; the payment account is an account bound with the wearable device;
obtaining payment information fed back by a merchant payment terminal;
synchronizing the payment information in a state where the wearable device is networked.
2. The secure payment method of claim 1, wherein before sending, by the wearable device, an information reading instruction to the merchant payment terminal, the information reading instruction being sent when a distance between the wearable device and the merchant payment terminal satisfies a first preset distance, comprising:
the wearable device acquires a prepayment trigger operation of a user, and starts a payment function according to the prepayment trigger operation;
after the payment function is started, when the distance between the wearable device and the merchant payment terminal meets a second preset distance, the wearable device and the merchant payment terminal are connected in a data transmission mode.
3. The secure payment method of claim 2, wherein sending, by the wearable device, an information reading instruction to the merchant payment terminal, the information reading instruction being sent when a distance between the wearable device and the merchant payment terminal satisfies a first preset distance, comprises:
and sending an information reading instruction to a merchant payment terminal through the data transmission connection.
4. The secure payment method according to claim 1, after obtaining the merchant information corresponding to the information reading instruction fed back by the merchant payment terminal, comprising:
and decrypting the merchant information and judging whether the merchant information is legal or not.
5. The secure payment method according to claim 1, wherein if the merchant information is legal, sending the payment account to a merchant payment terminal for payment operation, comprising:
and directly carrying out deduction payment through a third party payment service terminal bound with the payment account.
6. A secure payment device applied to a wearable device, the secure payment device comprising:
the system comprises an instruction sending module, an information reading module and an information processing module, wherein the instruction sending module is used for sending an information reading instruction to a merchant payment terminal by wearable equipment, the information reading instruction is sent when the distance between the wearable equipment and the merchant payment terminal meets a first preset distance, and the network state of the wearable equipment comprises an unconnected state;
the information acquisition module is used for acquiring merchant information which is fed back by the merchant payment terminal and corresponds to the information reading instruction;
the payment confirming module is used for sending the payment account number to a merchant payment terminal to carry out payment operation if the merchant information is legal; the payment account is bound with the wearable device, and payment information fed back by a merchant payment terminal is obtained; synchronizing the payment information in a state where the wearable device is networked.
7. The secure payment device of claim 6, further comprising:
the function starting module is used for acquiring a pre-payment triggering operation of a user by the wearable equipment and starting a touch payment function according to the pre-payment triggering operation;
and the connection establishing module is used for establishing data transmission connection between the wearable equipment and the merchant payment terminal when the distance between the wearable equipment and the merchant payment terminal meets a second preset distance.
8. A wearable device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor, when executing the computer program, implements the steps of the secure payment method according to any one of claims 1 to 5.
9. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of a secure payment method according to any one of claims 1 to 5.
CN201811284327.0A 2018-10-31 2018-10-31 Safety payment method and device, wearable device and storage medium Active CN109472612B (en)

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