CN110458550B - Payment method, device, terminal and storage medium - Google Patents
Payment method, device, terminal and storage medium Download PDFInfo
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- CN110458550B CN110458550B CN201910775804.1A CN201910775804A CN110458550B CN 110458550 B CN110458550 B CN 110458550B CN 201910775804 A CN201910775804 A CN 201910775804A CN 110458550 B CN110458550 B CN 110458550B
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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Abstract
The invention provides a payment method, a payment device, a terminal and a storage medium, wherein the payment method, the payment device, the terminal and the storage medium are used for the terminal, the terminal comprises a plurality of security modules, and the payment method comprises the following steps: acquiring a terminal use state, wherein the terminal use state comprises a shutdown state, a screen-off sleep state and a screen-on wake-up state; generating a security module selection sequence table according to a preset adjustment algorithm corresponding to the terminal use state; if the payment event is triggered, reading the security module arrangement sequence in the security module selection sequence table, and calling each security module in turn according to the security module arrangement sequence to execute the payment operation until the payment is successful. According to the method and the device for selecting the security module, the corresponding security module selection sequence table in the terminal use state is determined through the preset adjustment algorithm, so that the intelligent selection of the security module in different use states of the terminal is realized, a complicated manual selection process is avoided, and the use experience of a user is optimized.
Description
Technical Field
The present invention relates to the field of wireless communications technologies, and in particular, to a payment method, device, terminal, and storage medium.
Background
Near field communication (Near Field Communication, NFC) is a near field communication technology that allows contactless peer-to-peer data transmission between electronic devices to achieve data exchange. When the NFC on the terminal is in the card mode, the terminal can replace various entity cards and be used for shopping payment, taking buses and subways, accessing and checking in and other scenes, and the core for providing the NFC card mode security is a security Element (SE for short).
The SE is a physically independent operation module, can defend various malicious attacks on the hardware and software level, can meet the application security requirement of the financial level, and has the following forms at present:
1. SE based on SIM card (Subscriber Identity Module, subscriber identity module, or called subscriber identity card): the SE chip exists in the SIM card integrated chip and is dominated by a mobile operator;
2. SE based on terminal chip: the SE chip is integrated on the terminal and is dominant by a terminal manufacturer;
3. SE based on SD card (Secure Digital Memory Card, secure digital card): the SE chip is arranged in the SD card integrated chip and is dominated by industry users including public security and electric power;
4. Network-based cloud SE: software simulating the SE function exists on a remote server, the terminal needs to be networked to use the SE function, and other financial payment companies (such as jindong payment) tend to use the SE function, which is dominated by banks (such as a banker flash) and silver-wire (cloud flash payment).
The current terminal system software is often implemented by adopting a mode of classifying first and then designating SE in the same class, however, the conventional method has the following defects:
the best suitable security module needs to be selected in different scenes, and when payment is carried out, the best suitable security module cannot be intelligently selected to carry out payment, so that the intelligent degree is low, the situation that payment cannot be carried out exists, and the success rate of payment is reduced.
Disclosure of Invention
The invention mainly aims to provide a payment method, a payment device, a payment terminal and a storage medium, which are used for solving the problem of low intelligent degree in the payment based on multiple security modules in the prior art.
The invention provides a payment method, which is used for a terminal, wherein the terminal comprises a plurality of security modules and comprises the following steps:
acquiring a terminal use state, wherein the terminal use state comprises a shutdown state, a screen-off sleep state and a screen-on wake-up state;
Generating a security module selection sequence table according to a preset adjustment algorithm corresponding to the terminal use state;
if the payment event is triggered, reading the security module arrangement sequence in the security module selection sequence table, and calling each security module in turn according to the security module arrangement sequence to execute the payment operation until the payment is successful.
Further, the step of generating a security module selection sequence table according to a preset adjustment algorithm corresponding to the terminal use state specifically includes:
determining a security module initial selection sequence table corresponding to the terminal use state according to the corresponding relation between the terminal use state and the security module initial selection sequence table;
and dynamically adjusting the arrangement sequence of each security module in the security module initial selection sequence table according to a preset adjustment algorithm to generate a corresponding security module selection sequence table.
Further, before the step of obtaining the terminal usage state, the method further includes:
detecting each loaded safety module on a terminal when the terminal is started for the first time, wherein the safety modules comprise hardware safety modules and software safety modules;
receiving order setting instructions sent by a user aiming at different terminal use states, and respectively determining the security module initial selection order table corresponding to each terminal use state according to the order setting instructions; the security module initial selection sequence table comprises the arrangement sequence of each security module.
Further, when the terminal use state is a screen-off sleep state, the corresponding security module initial selection sequence table is a hardware security module initial selection sequence table;
the step of dynamically adjusting the selection sequence of each security module in the security module initial selection sequence table according to a preset adjustment algorithm to generate a corresponding security module selection sequence table specifically comprises the following steps:
acquiring the current geographic position of the terminal;
respectively acquiring payment attributes supported by each security module in an initial selection sequence table of the hardware security module;
and dynamically adjusting the arrangement sequence of each security module in the hardware security module initial selection sequence table according to the current geographic position of the terminal and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
Further, when the terminal use state is a bright screen wake-up state, the corresponding security module initial selection sequence table is a software security module initial selection sequence table;
the step of dynamically adjusting the selection sequence of each security module in the security module initial selection sequence table according to a preset adjustment algorithm to generate a corresponding security module selection sequence table specifically comprises the following steps:
Acquiring the current geographic position of the terminal;
acquiring the current running state of an application program on the terminal;
acquiring payment attributes supported by the security module;
and dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic position of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
Further, the step of dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic location of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table includes:
if the application program operated by the terminal foreground is a payment application program corresponding to a security module in the initial selection sequence table of the software security module, adjusting the security module corresponding to the payment application program to the forefront in the initial selection sequence table of the software security module to obtain a first adjustment sequence table;
And dynamically adjusting the arrangement sequence of each security module in the first adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
Further, the step of dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic location of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table includes:
if the application program currently operated by the terminal comprises a payment application program corresponding to a security module in the initial selection sequence table of the software security module, after the security module corresponding to the payment application program is ordered, the corresponding security module is adjusted to be the front column in the initial selection sequence table of the software security module according to the ordering, and a second adjustment sequence table is obtained;
and dynamically adjusting the arrangement sequence of each security module in the second adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
The invention also provides a payment device for a terminal, the terminal comprising a plurality of security modules, the payment device comprising:
the first acquisition unit is used for acquiring a terminal use state, wherein the terminal use state comprises a shutdown state, a screen-off sleep state and a screen-on wake-up state;
the first determining unit is used for generating a security module selection sequence table according to a preset adjustment algorithm corresponding to the terminal use state;
and the payment unit is used for reading the arrangement sequence of the security modules in the security module selection sequence table if the payment event is triggered, and sequentially calling each security module to execute the payment operation according to the arrangement sequence of the security modules until the payment is successful.
The present invention also provides a storage medium, which is a computer-readable storage medium, having stored thereon a computer program which, when executed, implements a payment method as described in any of the preceding claims.
The invention also provides a terminal comprising a processor, a memory and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the payment method according to any one of the above when executing the computer program.
The payment method, the payment device, the payment terminal and the storage medium provided by the invention have the following beneficial effects:
the invention provides a payment method, a payment device, a terminal and a storage medium, wherein the payment method, the payment device, the terminal and the storage medium are used for the terminal, the terminal comprises a plurality of security modules, and the payment method comprises the following steps: acquiring a terminal use state, wherein the terminal use state comprises a shutdown state, a screen-off sleep state and a screen-on wake-up state; generating a security module selection sequence table according to a preset adjustment algorithm corresponding to the terminal use state; if the payment event is triggered, reading the security module arrangement sequence in the security module selection sequence table, and calling each security module in turn according to the security module arrangement sequence to execute the payment operation until the payment is successful. According to the invention, the corresponding security module selection sequence table in the terminal use state is determined through the preset adjustment algorithm, so that intelligent selection of multiple security modules when the terminal uses the payment function in different use states is realized, a tedious manual selection process is avoided, and the use experience of a user is optimized.
Drawings
FIG. 1 is a flow chart of a payment method according to an embodiment of the invention;
Fig. 2 is a schematic flow chart of step S2 in fig. 1;
fig. 3 is a schematic flow chart of step S22 in fig. 2;
fig. 4 is another flow chart of step S22 in fig. 2;
FIG. 5 is a block diagram of a payment device according to an embodiment of the present invention;
fig. 6 is a block diagram of a terminal in an embodiment of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
In the description of the present invention, it should be understood that the terms "center", "longitudinal", "lateral", "length", "width", "thickness", "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", "clockwise", "counterclockwise", etc. indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings are merely for convenience in describing the present invention and simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, be configured and operated in a specific orientation, and thus should not be construed as limiting the present invention. Furthermore, the terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include one or more of the described features. In the description of the present invention, the meaning of "a plurality" is two or more, unless specifically defined otherwise.
In the description of the present invention, it should be noted that, unless explicitly specified and limited otherwise, the terms "mounted," "connected," and "connected" are to be construed broadly, and may be either fixedly connected, detachably connected, or integrally connected, for example; the connection may be mechanical connection, direct connection or indirect connection through an intermediate medium, and may be internal connection of two elements or interaction relationship of two elements. The specific meaning of the above terms in the present invention can be understood by those of ordinary skill in the art according to the specific circumstances.
In the present invention, unless expressly stated or limited otherwise, a first feature "above" or "below" a second feature may include both the first and second features being in direct contact, as well as the first and second features not being in direct contact but being in contact with each other through additional features therebetween. Moreover, a first feature being "above," "over" and "on" a second feature includes the first feature being directly above and obliquely above the second feature, or simply indicating that the first feature is higher in level than the second feature. The first feature being "under", "below" and "beneath" the second feature includes the first feature being directly above and obliquely above the second feature, or simply indicating that the first feature is less level than the second feature.
Referring to fig. 1, a flowchart of a payment method according to an embodiment of the present invention is shown.
The invention provides a payment method, which is used for a terminal, wherein the terminal comprises a plurality of security modules and comprises the following steps of:
step S1, acquiring a terminal use state, wherein the terminal use state comprises a shutdown state, a screen-off sleep state and a screen-on wake-up state;
step S2, generating a security module selection sequence table according to a preset adjustment algorithm corresponding to the terminal use state;
and step S3, if the payment event is triggered, reading the arrangement sequence of the security modules in the security module selection sequence table, and calling each security module in turn according to the arrangement sequence of the security modules to execute the payment operation until the payment is successful.
In an embodiment, in order to realize that a most suitable security module is intelligently selected when a terminal has a plurality of hardware security modules and software security modules and pay by swiping a card, the probability of success of NFC payment by swiping a card is improved, and the step of fussy manual selection of the security modules is avoided. Therefore, when the terminal is used, the terminal can intelligently adjust the use sequence of the multiple security modules installed on the terminal according to a preset adjustment algorithm, so that the terminal is intelligent in the whole process from selecting the security modules to paying, manual selection is not needed, and the user experience is improved. Of course, the terminals include, but are not limited to, mobile devices. In step S1, the usage status of the terminal needs to be acquired first, so that the payment path and the payment method can be determined when the terminal makes a payment. The payment paths and payment modes of the terminals in different use states are different, the corresponding preset adjustment algorithms are also different, and the protocol relationships of the security modules corresponding to the payment modules are also different.
Specifically, in one embodiment, if the user turns off the terminal, the current use state of the terminal may be obtained as a turned-off state, and at this time, when the user uses the terminal to pay, only the hardware security module may be used because the software security module cannot be used in the turned-off state; therefore, all the arrangement sequences of the hardware security modules are recorded in the security module selection sequence table generated at this time, for example, a security module based on a SIM card, a security module based on a terminal chip and the like; in a specific embodiment, the hardware security module includes a first security module and a second security module, where the first security module is arranged before the second security module in the security module selection sequence table; when a payment event is triggered, reading the arrangement sequence of the security modules in the security module selection sequence table, and calling the first security module arranged in front to execute payment operation; if the payment is successful, terminating; and if the payment fails, calling the second security module arranged at the back to execute the payment operation.
In an embodiment of the present invention, before the step of obtaining the terminal usage status, the payment method further includes:
And when the terminal is started for the first time, detecting each loaded safety module on the terminal, wherein the safety modules comprise hardware safety modules and software safety modules.
Receiving order setting instructions sent by a user aiming at different terminal use states, and respectively determining the security module initial selection order table corresponding to each terminal use state according to the order setting instructions; the security module initial selection sequence table comprises the arrangement sequence of each security module.
In an embodiment, the payment method further requires obtaining the installation of all security modules on the terminal. The installation conditions of the security modules are obtained from the installation information of the security modules when the terminal equipment is started for the first time, and the installation conditions of the security modules are not required to be obtained repeatedly after that; only when the security module on the terminal is updated, the updated security module information needs to be acquired. The security modules include hardware security modules (such as SIM card-based security modules, terminal chip-based security modules, SD card-based security modules, etc.) and software installation modules (such as network-based cloud security modules, etc.).
After the terminal is started, the user can set the initial selection sequence table of the security modules corresponding to each terminal use state on the terminal in sequence, specifically, the user can perform touch operation on the terminal, start a corresponding setting page, select the option corresponding to the terminal use state first, and then sequentially select the sequence of each security module under the option to generate the initial selection sequence table of the security modules.
Referring to fig. 2, in an embodiment of the present invention, the step S2 of generating a security module selection sequence table according to a preset adjustment algorithm corresponding to the usage status of the terminal specifically includes:
step S21, determining a security module initial selection sequence table corresponding to the terminal use state according to the corresponding relation between the terminal use state and the security module initial selection sequence table;
step S22, dynamically adjusting the arrangement sequence of each security module in the security module initial selection sequence table according to a preset adjustment algorithm, and generating a corresponding security module selection sequence table.
In an embodiment, when the terminal usage state is a shutdown state, the corresponding security module initial selection sequence table is a first hardware security module initial selection sequence table; when the terminal use state is a screen-off dormant state, the corresponding initial selection sequence table of the security module is a second hardware security module initial selection sequence table; when the terminal use state is a bright screen awakening state, the corresponding security module initial selection sequence table is a software security module initial selection sequence table.
In yet another embodiment, since the paths of payment performed by the payment module are different when the terminal is in different states, in order to further accurately determine the arrangement order of the security modules in the security module selection order table, different adjustment algorithms need to be preset for the corresponding security module initial selection order table in different terminal use states. The first hardware security module initial selection sequence table is a selection sequence table corresponding to the terminal in a shutdown state, and the terminal background is in a shutdown non-operation state at the moment; the second hardware security module initial selection sequence table is a selection sequence table corresponding to the terminal in a screen-off sleep state, and the terminal background is in an operation state at the moment. The first hardware security module initial selection sequence table and the second hardware security module initial selection sequence table are different sequence tables, and the content in the second hardware security module initial selection sequence table can include security module information in the first hardware security module initial selection sequence table. When there are multiple runnable instances (e.g., weChat multiple-open) associated with the same software security module in the terminal, each independently runnable instance appears as a separate individual in the software security module selection order table.
In another embodiment, the first hardware security module initial selection order table may include only one hardware security module. When there are multiple physical hardware security modules for the same type of security module, instead of specifying the type of security module, a particular one of the security modules is specified to be selected.
Referring to fig. 3, in a specific embodiment, when the terminal usage state is a screen-off sleep state, the corresponding security module initial selection sequence table is a second hardware security module initial selection sequence table;
the step S22 of dynamically adjusting the selection sequence of each security module in the initial selection sequence table of the security module according to a preset adjustment algorithm to generate a corresponding selection sequence table of the security module specifically includes:
step S221, obtaining the current geographic position of the terminal;
step S222, respectively obtaining payment attributes supported by each security module in a hardware security module initial selection sequence table; wherein the payment attributes include card type, card quota, and payment offer;
step S223, dynamically adjusting the arrangement sequence of each security module in the hardware security module initial selection sequence table according to the current geographic position of the terminal and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
In an embodiment, when the terminal is in the screen-off sleep state, the current geographic location of the terminal and the factors such as the card type, the card limit, and the payment preference supported by the hardware security module are taken as priority factors of a preset adjustment algorithm, and of course, the priority factors include but are not limited to the four factors. In one embodiment, the priority ranking of the priority factors is as follows: the current geographic location of the terminal, the type of card supported by the hardware security module, the card quota, and the payment preference. The current position of the terminal is preferentially considered, the hardware security module corresponding to the current position of the terminal is arranged in front, and other factors are considered; for example, if the system is currently in China, the hardware security module corresponding to the use in China is preferentially selected to be arranged at the front, and other hardware security modules are arranged at the rear; if a plurality of hardware security modules are used in China, acquiring the card type supported by each hardware security module; sorting the plurality of hardware security modules correspondingly used in China according to the card type; by analogy, the ordering can be further performed according to the card quota and the payment preferential; after the above-mentioned multiple hardware security modules corresponding to use in China are sequenced, card types of other hardware security modules are obtained, and sequenced according to the card types, and the like, and the description is omitted.
Referring to fig. 4, in an embodiment of the present invention, when the terminal usage state is a wake-up state with a bright screen, the corresponding initial selection sequence table of the security module is a software security module initial selection sequence table; the step S22 of dynamically adjusting the selection sequence of each security module in the initial selection sequence table of the security module according to a preset adjustment algorithm to generate a corresponding selection sequence table of the security module specifically includes:
step S22a, obtaining the current geographic position of the terminal;
step S22b, obtaining the current running state of the application program on the terminal;
step S22c, obtaining payment attributes supported by the security module, wherein the payment attributes comprise card type, card quota and payment preferential;
step S22d, dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic position of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
In an embodiment, when the terminal is in the on-screen wake-up state, the current geographic location of the terminal, the app information of the forefront running, the card type supported by the security module, the card quota, and the payment preference are taken as priority factors of a preset adjustment algorithm, and the priority factors include, but are not limited to, the five. Its priority ranks are current geographic location, top running app information, card type supported by the security module, card quota, and payment preference.
Specifically, when the security module is currently in China, the security module corresponding to the use in China is preferentially selected to be arranged at the front, and other security modules are arranged at the rear; if a plurality of safety modules are used correspondingly in China, judging whether the payment application program corresponding to the safety modules runs at the forefront, if so, arranging the corresponding safety modules at the forefront, and arranging other safety modules corresponding to the safety modules in China; if not, obtaining the card type supported by the security module used in China; sorting the plurality of security modules corresponding to use in China according to the card type; by analogy, the ordering can be further performed according to the card quota and the payment preferential; after the plurality of security modules corresponding to the use in China are sequenced, the running states of the payment application programs corresponding to other security modules, the card types of other security modules and the like are acquired, and the security modules are sequenced according to the running states of the payment application programs, and so on, and no further description is given.
Specifically, the step S22d of dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic location of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding selection sequence table of the security module includes:
If the application program operated by the terminal foreground is a payment application program corresponding to a security module in the initial selection sequence table of the software security module, adjusting the security module corresponding to the payment application program to the forefront in the initial selection sequence table of the software security module to obtain a first adjustment sequence table; and dynamically adjusting the arrangement sequence of each security module in the first adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
In this embodiment, the payment application refers to all applications with NFC card modes registered in the system, and the security module corresponding to the payment application may be preset in the software security module initial selection sequence table. When the current application program running in the foreground of the terminal is the payment application program corresponding to the security module in the initial selection sequence table of the software security module, the corresponding security module is adjusted to the forefront in the initial selection sequence table of the software security module, namely, the payment operation is preferentially carried out through the security module corresponding to the application program running in the foreground.
In another embodiment, the step S22d of dynamically adjusting the arrangement order of each security module in the initial selection order table of the software security module according to the current geographic location of the terminal, the current running state of the application program, and the payment attribute supported by the security module, and generating a corresponding selection order table of the security module includes:
if the application program currently operated by the terminal comprises a payment application program corresponding to a security module in the software security module initial selection sequence table, after the security module corresponding to the payment application program is ordered according to a preset rule, adjusting the security module to the front column in the software security module initial selection sequence table according to the ordering, and obtaining a second adjustment sequence table; the application program currently operated by the terminal refers to all programs operated in the forefront and the background.
And dynamically adjusting the arrangement sequence of each security module in the second adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
In this embodiment, the security module corresponding to the payment application may be preset in the software security module initial selection order table. When the application program currently running on the terminal comprises the payment application program corresponding to the security module in the initial selection sequence table of the software security module, the corresponding security module is adjusted to the front column in the initial selection sequence table of the software security module after being sequenced, namely, the payment operation is preferentially carried out through the security module corresponding to the currently running payment application program.
Specifically, the application program currently running on the terminal includes payment application programs corresponding to three security modules in a software security module initial selection sequence table, namely a program A, a program B and a program C, and the corresponding security modules are a, B and C respectively; sequencing the safety modules a, b and c according to a preset rule; for example, in one embodiment, the ordering of all security modules is preset as: security module x, security module b, security module c, security module y, security module a; the order of the security modules a, b, c is b, c, a; and adjusting the sequenced security modules to the front column in the software security module initial selection sequence table, and obtaining a second adjustment sequence table, namely b, c, a and other security modules. In another embodiment, the sorting may be performed according to the front-to-back order of the task manager in the terminal of the program a, the program B, and the program C corresponding to the security modules a, B, and C; for example, if the task manager of the program a, the program B, and the program C in the terminal is the first program B, and the program C is the last program C, the security modules a, B, and C may be ranked as B, a, and C; the second adjustment sequence table finally obtained is that b, a, c and other security modules, namely the security modules a, b, c are arranged in the first three bits of the second adjustment sequence table.
After the second adjustment sequence table is obtained, sorting is performed according to the current geographic position, for example, if the current geographic position is in China, the security modules corresponding to the security modules a, b and c used in China are preferentially adjusted to be the forefront; if a plurality of the security modules a, b and c are used in China, sorting according to the types of cards respectively supported by the security modules; if the card types corresponding to the plurality of security modules are the same, the cards are further ranked according to the card quota, and the security modules are ranked before the higher the quota is. If the card limits corresponding to the plurality of security modules are the same, sorting is further carried out according to the corresponding payment offers, and the security modules are sorted before the larger the payment offers are. After the above-mentioned security modules a, b, and c are ranked, other security modules are ranked by the same ranking method, which is not described herein.
In other embodiments, the security module corresponding to the specified payment application is set in the initial selection order table of the software security module, and when the application program currently running on the terminal has the specified payment application, the security module corresponding to the specified payment application is adjusted to the forefront in the initial selection order table of the software security module, that is, the payment operation is preferentially performed through the security module corresponding to the specified payment application.
In yet another embodiment, one of the specified payment applications is preset as a preferred payment application during payment, and then during payment, whether the specified payment application is running or not, payment is performed through a security module corresponding to the specified payment application; or, even if the foreground of the current terminal is running other payment application programs, payment is still performed through the security module corresponding to the specified payment application program.
Referring to fig. 5, there is also provided a payment apparatus for a terminal including a plurality of security modules in an embodiment of the present invention, the payment apparatus including:
a first obtaining unit 10, configured to obtain a terminal usage state, where the terminal usage state includes a shutdown state, a screen-off sleep state, and a screen-on wake-up state;
the first generating unit 20 is configured to generate a security module selection sequence table according to a preset adjustment algorithm corresponding to the terminal usage state;
and the payment unit 30 is configured to read the arrangement sequence of the security modules in the security module selection sequence table when the payment event is triggered, and call each security module in turn according to the arrangement sequence of the security modules to execute the payment operation until the payment is successful.
In an embodiment of the present invention, the payment device further includes:
the second acquisition unit is used for acquiring loading conditions of all the safety modules on the terminal when the terminal is started for the first time; the loading condition of the security module comprises loading of a hardware security module and a software security module.
The setting unit is used for receiving sequence setting instructions sent by a user aiming at different terminal use states and respectively determining the security module initial selection sequence table corresponding to each terminal use state according to the sequence setting instructions; the security module initial selection sequence table comprises the arrangement sequence of each security module.
In an embodiment of the present invention, the first generating unit includes:
the first determining subunit is used for determining the initial selection sequence table of the security module corresponding to the terminal use state according to the corresponding relation between the terminal use state and the initial selection sequence table of the security module;
the second generation subunit is used for dynamically adjusting the arrangement sequence of each security module in the security module initial selection sequence table according to a preset adjustment algorithm to generate a corresponding security module selection sequence table.
Further, in an embodiment of the present invention, when the terminal usage state is a screen-off sleep state, the corresponding security module initial selection sequence table is a hardware security module initial selection sequence table, and the second generating subunit includes:
the first acquisition module is used for acquiring the current geographic position of the terminal;
the second acquisition module is used for respectively acquiring payment attributes supported by each security module in the hardware security module initial selection sequence table;
the first generation module is used for dynamically adjusting the arrangement sequence of each security module in the hardware security module initial selection sequence table according to the current geographic position of the terminal and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
Further, in an embodiment of the present invention, when the terminal usage state is a wake-up state with a bright screen, the corresponding initial selection sequence table of the security module is a software security module initial selection sequence table; the second generation subunit includes:
the third acquisition module is used for acquiring the current geographic position of the terminal;
a fourth obtaining module, configured to obtain a current running state of an application program on the terminal;
A fifth obtaining module, configured to obtain payment attributes supported by the security module;
and the second generation module is used for dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic position of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
Specifically, in an embodiment, the second generating module is specifically configured to:
if the application program operated by the terminal foreground is a payment application program corresponding to a security module in the initial selection sequence table of the software security module, adjusting the security module corresponding to the payment application program to the forefront in the initial selection sequence table of the software security module to obtain a first adjustment sequence table;
and dynamically adjusting the arrangement sequence of each security module in the first adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
In another embodiment, the second generating module is specifically configured to:
if the application program currently operated by the terminal comprises a payment application program corresponding to a security module in the initial selection sequence table of the software security module, after the security module corresponding to the payment application program is ordered, the corresponding security module is adjusted to be the front column in the initial selection sequence table of the software security module according to the ordering, and a second adjustment sequence table is obtained;
And dynamically adjusting the arrangement sequence of each security module in the second adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
The specific implementation manner of each unit module in the payment device in this embodiment refers to the above method embodiment, and will not be described herein.
The present invention also provides a storage medium, which is a computer-readable storage medium, having stored thereon a computer program which, when executed, implements a payment method as described in any of the preceding claims.
Referring to fig. 6, the present invention also provides a terminal comprising a processor, a memory and a computer program stored on the memory and executable on the processor, the processor implementing the payment method as described in any one of the preceding claims when executing the computer program.
The foregoing description is only of the preferred embodiments of the present invention and is not intended to limit the scope of the invention, and all equivalent structures or equivalent processes using the descriptions and drawings of the present invention or directly or indirectly applied to other related technical fields are included in the scope of the invention.
Claims (7)
1. A payment method for a terminal, the terminal comprising a plurality of security modules, the payment method comprising the steps of:
acquiring a terminal use state, wherein the terminal use state comprises a shutdown state, a screen-off sleep state and a screen-on wake-up state;
determining a security module initial selection sequence table corresponding to the terminal use state according to the corresponding relation between the terminal use state and the security module initial selection sequence table;
according to a preset adjustment algorithm, dynamically adjusting the arrangement sequence of each security module in the security module initial selection sequence table to generate a corresponding security module selection sequence table;
if the payment event is detected to be triggered, reading the security module arrangement sequence in the security module selection sequence table, and calling each security module in sequence according to the security module arrangement sequence to execute payment operation until the payment is successful;
when the terminal use state is a screen-off sleep state, the corresponding security module initial selection sequence table is a hardware security module initial selection sequence table;
the step of dynamically adjusting the selection sequence of each security module in the security module initial selection sequence table according to a preset adjustment algorithm to generate a corresponding security module selection sequence table specifically comprises the following steps:
Acquiring the current geographic position of the terminal;
respectively acquiring payment attributes supported by each security module in an initial selection sequence table of the hardware security module;
dynamically adjusting the arrangement sequence of each security module in the hardware security module initial selection sequence table according to the current geographic position of the terminal and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table;
when the terminal use state is a bright screen awakening state, the corresponding security module initial selection sequence table is a software security module initial selection sequence table;
the step of dynamically adjusting the selection sequence of each security module in the security module initial selection sequence table according to a preset adjustment algorithm to generate a corresponding security module selection sequence table specifically comprises the following steps:
acquiring the current geographic position of the terminal;
acquiring the current running state of an application program on the terminal;
acquiring payment attributes supported by the security module;
and dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic position of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
2. The payment method of claim 1, wherein prior to the step of obtaining the terminal usage status, further comprising:
detecting each loaded safety module on a terminal when the terminal is started for the first time, wherein the safety modules comprise hardware safety modules and software safety modules;
receiving order setting instructions sent by a user aiming at different terminal use states, and respectively determining the security module initial selection order table corresponding to each terminal use state according to the order setting instructions; the security module initial selection sequence table comprises the arrangement sequence of each security module.
3. The payment method according to claim 1, wherein the step of dynamically adjusting the arrangement order of each security module in the software security module initial selection order table according to the current geographic location of the terminal, the current running state of the application program, and the payment attribute supported by the security module, and generating a corresponding security module selection order table includes:
if the application program operated by the terminal foreground is a payment application program corresponding to a security module in the initial selection sequence table of the software security module, adjusting the security module corresponding to the payment application program to the forefront in the initial selection sequence table of the software security module to obtain a first adjustment sequence table;
And dynamically adjusting the arrangement sequence of each security module in the first adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
4. The payment method according to claim 1, wherein the step of dynamically adjusting the arrangement order of each security module in the software security module initial selection order table according to the current geographic location of the terminal, the current running state of the application program, and the payment attribute supported by the security module, and generating a corresponding security module selection order table includes:
if the application program currently operated by the terminal comprises a payment application program corresponding to a security module in the initial selection sequence table of the software security module, after the security module corresponding to the payment application program is ordered, the corresponding security module is adjusted to be the front column in the initial selection sequence table of the software security module according to the ordering, and a second adjustment sequence table is obtained;
and dynamically adjusting the arrangement sequence of each security module in the second adjustment sequence table according to the current geographic position and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table.
5. A payment device for a terminal, the terminal including a plurality of security modules, the payment device comprising:
the first acquisition unit is used for acquiring a terminal use state, wherein the terminal use state comprises a shutdown state, a screen-off sleep state and a screen-on wake-up state;
the first determining unit is used for determining a security module initial selection sequence table corresponding to the terminal use state according to the corresponding relation between the terminal use state and the security module initial selection sequence table;
when the terminal use state is a screen-off sleep state, the corresponding security module initial selection sequence table is a hardware security module initial selection sequence table;
acquiring the current geographic position of the terminal;
respectively acquiring payment attributes supported by each security module in an initial selection sequence table of the hardware security module;
dynamically adjusting the arrangement sequence of each security module in the hardware security module initial selection sequence table according to the current geographic position of the terminal and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table;
when the terminal use state is a bright screen awakening state, the corresponding security module initial selection sequence table is a software security module initial selection sequence table;
Acquiring the current geographic position of the terminal;
acquiring the current running state of an application program on the terminal;
acquiring payment attributes supported by the security module;
dynamically adjusting the arrangement sequence of each security module in the initial selection sequence table of the software security module according to the current geographic position of the terminal, the current running state of the application program and the payment attribute supported by the security module, and generating a corresponding security module selection sequence table;
and the payment unit is used for reading the arrangement sequence of the security modules in the security module selection sequence table if the payment event is triggered, and sequentially calling each security module to execute the payment operation according to the arrangement sequence of the security modules until the payment is successful.
6. A storage medium, characterized in that it is a computer-readable storage medium, on which a computer program is stored, which computer program, when executed, implements the payment method according to any one of claims 1-4.
7. A terminal comprising a processor, a memory and a computer program stored on the memory and executable on the processor, the processor implementing the payment method according to any one of claims 1-4 when the computer program is executed.
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| CN201910775804.1A CN110458550B (en) | 2019-08-21 | 2019-08-21 | Payment method, device, terminal and storage medium |
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| EP2725536A1 (en) * | 2012-10-26 | 2014-04-30 | Lee S. Weinblatt | Mobile device-based electronic payment systems and methods |
| CN106600272A (en) * | 2016-12-08 | 2017-04-26 | 努比亚技术有限公司 | Payment method payment device |
| CN107506992A (en) * | 2017-08-28 | 2017-12-22 | 珠海市魅族科技有限公司 | Method of payment and payment mechanism, computer installation and computer-readable recording medium |
| CN107784497A (en) * | 2017-11-22 | 2018-03-09 | 出门问问信息科技有限公司 | NFC payment and wearable device based on wearable device |
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| EP2725536A1 (en) * | 2012-10-26 | 2014-04-30 | Lee S. Weinblatt | Mobile device-based electronic payment systems and methods |
| CN106600272A (en) * | 2016-12-08 | 2017-04-26 | 努比亚技术有限公司 | Payment method payment device |
| CN107506992A (en) * | 2017-08-28 | 2017-12-22 | 珠海市魅族科技有限公司 | Method of payment and payment mechanism, computer installation and computer-readable recording medium |
| CN107784497A (en) * | 2017-11-22 | 2018-03-09 | 出门问问信息科技有限公司 | NFC payment and wearable device based on wearable device |
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