CN103106579B - Data monitoring method, mobile phones payment terminal, server and payment system - Google Patents

Data monitoring method, mobile phones payment terminal, server and payment system Download PDF

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Publication number
CN103106579B
CN103106579B CN201310014895.XA CN201310014895A CN103106579B CN 103106579 B CN103106579 B CN 103106579B CN 201310014895 A CN201310014895 A CN 201310014895A CN 103106579 B CN103106579 B CN 103106579B
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Prior art keywords
payment terminal
mobile phones
information
phones payment
monitor message
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Expired - Fee Related
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CN201310014895.XA
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Chinese (zh)
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CN103106579A (en
Inventor
魏中华
孙江涛
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BEIJING INTELLIGENT FRUIT TECHNOLOGY CO., LTD.
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Beijing Intelligent Fruit Technology Co Ltd
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Abstract

The invention provides a kind of data monitoring method, mobile phones payment terminal, server and payment system.Wherein this data monitoring method comprises: obtain monitoring indication information; According to described monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtain monitor message; The described monitor message gathered is uploaded to mobile phone trading server, to be monitored based on the using state of described monitor message to described mobile phones payment terminal by described mobile phone trading server.Data monitoring method provided by the invention, mobile phones payment terminal, server and payment system, mobile phone trading server is uploaded to by mobile phones payment terminal acquisition monitoring information, mobile phone trading server can be monitored, the risk existing for minimizing use mobile phones payment terminal pays to the service condition of mobile phones payment terminal.

Description

Data monitoring method, mobile phones payment terminal, server and payment system
Technical field
The present invention relates to mobile phone technique, particularly relate to a kind of data monitoring method, mobile phones payment terminal, server and payment system.
Background technology
Along with the fast development of electronics and communication technology, utilize mobile phone to carry out paying by mails becoming possibility, user can complete very eurypalynous financial transaction by mobile phone, such as, receives list, consumes, refunds and transfer accounts.
At present, mobile-phone payment, owing to lacking qualification and the supervision of the type of financial transaction of similar POS, utilizes mobile phone to carry out paying and have certain risk.Such as, if mobile phone is lost or stolen, then do not find person or appropriator utilizes mobile phone to pay, the property loss of cellphone subscriber can be caused.
Therefore, pay with mobile phone at present, there is certain risk.
Summary of the invention
The invention provides a kind of data monitoring method, mobile phones payment terminal, server and payment system, carry out paying the problem that there is risk in order to solve current mobile phone.
First aspect, the invention provides a kind of data monitoring method, comprising:
Obtain monitoring indication information;
According to described monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtain monitor message;
The described monitor message gathered is uploaded to mobile phone trading server, to be monitored based on the using state of described monitor message to described mobile phones payment terminal by described mobile phone trading server.
Second aspect, the invention provides a kind of data monitoring method, comprising:
Receive the monitor message that mobile phones payment terminal is uploaded, described monitor message is at least one information in described mobile phones payment terminal current residing positional information, scene image information and the on-the-spot acoustic information that described mobile phones payment terminal gathers;
According to described monitor message, monitoring process is carried out to the using state of described mobile phones payment terminal.
The third aspect, the invention provides a kind of mobile phones payment terminal, comprising:
Acquisition module, for obtaining monitoring indication information;
Acquisition module, for according to described monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtains monitor message;
Sending module, for being uploaded to mobile phone trading server, to be monitored based on the using state of described monitor message to described mobile phones payment terminal by described mobile phone trading server by the described monitor message gathered.
Fourth aspect, the invention provides a kind of mobile phone trading server, comprising:
Receiver module, for receiving the monitor message that mobile phones payment terminal is uploaded, described monitor message is at least one information in described mobile phones payment terminal current residing positional information, scene image information and the on-the-spot acoustic information that described mobile phones payment terminal gathers;
Monitoring module, for carrying out monitoring process according to described monitor message to the using state of described mobile phones payment terminal.
5th aspect, the invention provides a kind of hand call payment system, comprises above-mentioned mobile phones payment terminal and above-mentioned mobile phone trading server, and described mobile phones payment terminal is connected with described mobile phone trading server is long-range.
Data monitoring method provided by the invention, mobile phones payment terminal, server and payment system, mobile phone trading server is uploaded to by mobile phones payment terminal acquisition monitoring information, mobile phone trading server can be monitored, the risk existing for minimizing use mobile phones payment terminal pays to the using state of mobile phones payment terminal.
Accompanying drawing explanation
The process flow diagram of the data monitoring method that Fig. 1 provides for the embodiment of the present invention one;
The process flow diagram of the data monitoring method that Fig. 2 provides for the embodiment of the present invention two;
The process flow diagram of the data monitoring method that Fig. 3 provides for the embodiment of the present invention three;
The process flow diagram of the data monitoring method that Fig. 4 provides for the embodiment of the present invention four;
The process flow diagram of the data monitoring method that Fig. 5 provides for the embodiment of the present invention five;
The structural representation of the mobile phones payment terminal that Fig. 6 provides for the embodiment of the present invention six;
The structural representation of the mobile phones payment terminal that Fig. 7 provides for the embodiment of the present invention seven;
The structural representation of the mobile phone trading server that Fig. 8 provides for the embodiment of the present invention eight;
The structural representation of the mobile phone trading server that Fig. 9 provides for the embodiment of the present invention nine;
The structural representation of the hand call payment system that Figure 10 provides for the embodiment of the present invention ten.
Embodiment
Embodiment one
The process flow diagram of the data monitoring method that Fig. 1 provides for the embodiment of the present invention one.As shown in Figure 1, the method comprises the steps:
Step 101, acquisition monitoring indication information;
Step 102, according to monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtain monitor message;
Step 103, the monitor message of collection is uploaded to mobile phone trading server, to be monitored based on the trading situation of monitor message to mobile phones payment terminal by mobile phone trading server.
Wherein, monitoring indication information can be carried in the configuration file of mobile phones payment terminal storage, by loading this configuration file to obtain monitoring indication information; Monitoring indication information can also be that the setting of mobile phone trading server generates and sends to mobile phones payment terminal, and mobile phones payment terminal carries out the collection of current using state according to the monitoring indication information obtained.It will be understood by those skilled in the art that monitoring indication information can comprise storage and monitoring time segment and/or monitoring content etc., can be set in what when carry out monitoring and monitor by monitoring indication information is image scene or on-the-spot sound etc.
The present embodiment can be applicable in the monitoring of mobile phones payment terminal transaction, its executive agent is mobile phones payment terminal, mobile phones payment terminal is connected by communication network and mobile phone trading server, then the monitor message based on the collection of monitoring indication information is sent to mobile phone trading server.Concrete, mobile phones payment terminal first sends data transmission requests to mobile phone trading server, mobile phone trading server returns request response to mobile phones payment terminal after receiving transfer request, the monitor message of collection is formed message according to certain format by mobile phones payment terminal, and message is sent to mobile phone trading server, the message received unpacks by mobile phone trading server, therefrom extracts the monitor data of needs, monitors according to the using state of monitor data to mobile phones payment terminal.
Data monitoring method provided by the invention, mobile phone trading server is uploaded to by mobile phones payment terminal acquisition monitoring information, mobile phone trading server can be monitored, the risk existing for minimizing use mobile phones payment terminal pays to the service condition of mobile phones payment terminal and trading situation.
Embodiment two
The process flow diagram of the data monitoring method that Fig. 2 provides for the embodiment of the present invention two.The executive agent of the present embodiment data monitoring method is mobile phones payment terminal, and concrete, as shown in Figure 2, the method comprises the steps:
The monitoring indication information that step 201, acquisition mobile phones payment terminal store;
In the present embodiment, monitoring indication information is carried in the configuration file of mobile phones payment terminal storage, can obtain this monitoring indication information by loading this configuration file.
Step 202, according to monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtain monitor message;
In the present embodiment, monitoring indication information comprises storage and monitoring time segment, this step can be specially: in the storage and monitoring time segment comprised in monitoring indication information, to at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, to obtain monitor message.In the present embodiment, this storage and monitoring time segment is the time bracket that mobile phones payment terminal carries out concluding the business, user is when carrying out payment transaction with mobile phones payment terminal, mobile phones payment terminal opens acquisition function, within the time period of transaction, current using state is gathered, when concluding the business complete, mobile phones payment terminal closes acquisition function, completes the acquisition of the monitor message in this time period.
In the present embodiment, positional information is by satnav, as GPS, the Big Dipper etc., obtain the positional information of mobile phones payment terminal geographic location, also can use GPRS module, positioned by communication base station, or use near field module, positioned by WIFI, obtain the positional information of mobile phones payment terminal, at this, the locator meams that POS obtains positional information does not limit.The image information at camera collection scene of image information by mobile phones payment terminal carries, acoustic information is by the acoustic information of MIC (microphone, microphone) collection site built-in on mobile phones payment terminal.
Step 203, the monitor message of collection is uploaded to mobile phone trading server, to be monitored based on the using state of this monitor message to mobile phones payment terminal by this mobile phone trading server.
In the present embodiment, mobile phones payment terminal is connected by communication network and mobile phone trading server, then the monitor message based on the collection of monitoring indication information is sent to mobile phone trading server.Concrete, mobile phones payment terminal sends data transmission requests to mobile phone trading server, mobile phone trading server returns request response to mobile phones payment terminal after receiving transfer request, the monitor message of collection is formed message according to certain format by mobile phones payment terminal, and message is sent to mobile phone trading server, the message received unpacks by mobile phone trading server, therefrom extracts the monitor data of needs, monitors mobile phones payment terminal using state according to monitor data.
Embodiment three
The process flow diagram of the data monitoring method that Fig. 3 provides for the embodiment of the present invention three.Executive agent in the present embodiment is mobile phones payment terminal, concrete, and as shown in Figure 3, the method comprises the steps:
The monitoring indication information that step 301, reception mobile phone trading server send;
In the present embodiment, monitoring indication information is that mobile phone trading server is sent to mobile phones payment terminal, mobile phone trading server can be arranged monitoring indication information as required, set needing the time period of monitoring or monitoring content etc., send to mobile phones payment terminal, make mobile phones payment terminal carry out the acquisition of monitor message according to this monitoring indication information.
Step 302, according to monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtain monitor message;
Step 303, the monitor message of collection is uploaded to mobile phone trading server, to be monitored based on the using state of monitor message to mobile phones payment terminal by mobile phone trading server.
In the present embodiment, step 302 and step 303 are identical with the step 202 in above-described embodiment one and step 203 respectively, refer to the explanation of above-described embodiment one.
Embodiment four
The process flow diagram of the data monitoring method that Fig. 4 provides for the embodiment of the present invention four, the executive agent of the present embodiment data monitoring method is mobile phone trading server, the monitor message that mobile phones payment terminal described in above-described embodiment one and embodiment two is uploaded can be processed, concrete, as shown in Figure 4, the method comprises the steps:
The monitor message that step 401, reception mobile phones payment terminal are uploaded, this monitor message is at least one information in mobile phones payment terminal current residing positional information, scene image information and the on-the-spot acoustic information that mobile phones payment terminal gathers;
In the present embodiment, mobile phone trading server is after the transfer request receiving mobile phones payment terminal transmission, request response is returned to mobile phones payment terminal, then the monitor message collected is sent to mobile phone trading server by certain format composition message by mobile phones payment terminal, mobile phone trading server receives this message and unpacks, and therefrom extracts monitor message.
Step 402, according to monitor message to the using state of this mobile phones payment terminal carry out monitoring process.
This step is specially, after receiving the monitor message that mobile phones payment terminal sends, the information of this monitor message with the mobile phones payment terminal prestored on mobile phone trading server is contrasted, to determine whether to occur extremely, if note abnormalities, then illustrate that the payment transaction of this mobile phones payment terminal exists risk, user or keeper can be notified, if the image information in monitor message or acoustic information and the information difference prestored larger, then payment transaction be can stop by trading server, and user and keeper notified.
In the present embodiment, the monitor message that step 401, reception mobile phones payment terminal are uploaded, also comprises: store this monitor message afterwards.Mobile phone trading server is after receiving the monitor message that mobile phones payment terminal uploads, the monitor message of reception is stored, so that after call and check the monitor message of this storage, if the use of mobile phones payment terminal occurs abnormal, can follow the trail of according to the service condition of monitor message to mobile phones payment terminal stored, to pinpoint the problems further.
The data monitoring method that the present embodiment provides, carries out monitoring process according to the monitor message received to the trading situation of mobile phones payment terminal or service condition by mobile phone trading server, can the risk of Timeliness coverage use existing for mobile phones payment terminal.
Embodiment five
The process flow diagram of the data monitoring method that Fig. 5 provides for the embodiment of the present invention five, the executive agent of the present embodiment data monitoring method is mobile phone trading server, the monitor message that mobile phones payment terminal described in above-described embodiment one and embodiment three is uploaded can be processed, concrete, as shown in Figure 5, the method comprises the steps:
Step 501, to mobile phones payment terminal send monitoring indication information;
In the present embodiment, first mobile phone trading server sends monitoring indication information to mobile phones payment terminal, with the acquisition indicating mobile phones payment terminal to carry out monitor message, monitoring indication information comprises storage and monitoring time segment, storage and monitoring time segment in the present embodiment is the exchange hour of mobile phones payment terminal, and mobile phones payment terminal can carry out the collection of monitor message and upload in exchange hour.
The monitor message that step 502, reception mobile phones payment terminal are uploaded;
Step 503, according to this monitor message to the using state of mobile phones payment terminal carry out monitoring process.
In the present embodiment, step 502 and step 503 are identical with step 401 in above-described embodiment four and step 402 respectively, refer to the description in above-described embodiment four.
Embodiment six
The structural representation of the mobile phones payment terminal that Fig. 6 provides for the embodiment of the present invention six, as shown in Figure 6, the mobile phones payment terminal that the present embodiment provides comprises acquisition module 601, acquisition module 602 and sending module 603, wherein:
Acquisition module 601, for obtaining monitoring indication information;
Acquisition module 602, for according to monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtains monitor message;
Sending module 603, for the monitor message of collection is uploaded to mobile phone trading server, to be monitored based on the using state of monitor message to mobile phones payment terminal by mobile phone trading server.
As shown in Figure 6, mobile phones payment terminal in the present embodiment also comprises instruction memory module 604, this instruction memory module 604 is for storing monitoring indication information, specifically store the configuration file of this monitoring indication information of carrying, monitoring indication information is carried in this configuration file, and acquisition module 601 is by loading this configuration file to obtain monitoring indication information.
In the present embodiment, acquisition module 602 comprises again positioning unit, image acquisition units and/or sound collection unit, wherein positioning unit, for collecting the current residing positional information of mobile phones payment terminal; Image acquisition units, for collecting the current residing scene image information of mobile phones payment terminal; Sound collection unit, for collecting the current residing on-the-spot acoustic information of mobile phones payment terminal.
Concrete, positioning unit is by satnav, and as GPS, the Big Dipper etc., to obtain positional information, also available GPRS module, is positioned by communication base station, or uses near field module, is positioned by WIFI, obtains the positional information of mobile phones payment terminal.Image acquisition units specifically can comprise the camera that mobile phones payment terminal carries, and uses camera collection image information, and sound collection unit specifically can comprise MIC built-in on mobile phones payment terminal, by the acoustic information of MIC collection site.
In the present embodiment, monitoring indication information comprises storage and monitoring time segment, acquisition module 602, specifically in this storage and monitoring time segment, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtains monitor message.In the present embodiment, this storage and monitoring time segment is the time bracket that mobile phones payment terminal carries out concluding the business, user is when carrying out payment transaction with mobile phones payment terminal, acquisition module 602 starts acquisition monitoring information and the monitor message of collection is sent to mobile phone trading server, when concluding the business complete, mobile phones payment terminal closes acquisition function, completes acquisition and the transmission of the monitor message in this time period.
The present embodiment mobile phones payment terminal can based on the step in the invention described above embodiment of the method two, and realize the collection of monitor message and report, its specific implementation can see the explanation of the invention described above embodiment of the method two.
Embodiment seven
The structural representation of the mobile phones payment terminal that the embodiment of the present invention provides as shown in Figure 7, comprise acquisition module 701, acquisition module 702, sending module 703 and instruction receiver module 704, wherein, the monitoring indication information that instruction receiver module 704 sends for receiving mobile phone trading server, the monitoring indication information that acquisition module 701 obtains is the monitoring indication information that the mobile phone trading server of instruction receiver module 704 reception sends.
In the present embodiment acquisition module 702 and sending module 703 identical with the function of the acquisition module 602 in above-described embodiment six and sending module 603, refer to the explanation in above-described embodiment six.
The monitored instruction that the present embodiment mobile phones payment terminal can issue according to mobile phones payment terminal trading server carries out the collection of monitor message, and its specific implementation can see the explanation of the invention described above embodiment of the method three.
Embodiment eight
The structural representation of the mobile phone trading server that Fig. 8 provides for the embodiment of the present invention eight, as shown in Figure 8, the mobile phone trading server that the present embodiment provides comprises: receiver module 801 and monitoring module 802, wherein:
Receiver module 801, for receiving the monitor message that mobile phones payment terminal is uploaded, this monitor message is at least one information in this mobile phones payment terminal current residing positional information, scene image information and the on-the-spot acoustic information that this mobile phones payment terminal gathers.
Monitoring module 802, carries out monitoring process according to monitor message to the using state of mobile phones payment terminal.
Mobile phone trading server in the present embodiment also comprises memory module 803, for storing the monitor message that receiver module 801 receives.
The using state of monitor message to mobile phones payment terminal that the mobile phone trading server that the present embodiment provides can send based on mobile phones payment terminal is monitored, and its specific implementation can see the explanation of the invention described above embodiment of the method four.
Embodiment nine
The structural representation of the mobile phone trading server that Fig. 9 provides for the embodiment of the present invention nine, as shown in Figure 9, the mobile phone trading server that the present embodiment provides comprises: receiver module 901, monitoring module 902, memory module 903 and instruction sending module 904, wherein indicating sending module 904 for sending monitoring indication information, making mobile phones payment terminal according to the monitoring indication information of instruction sending module 904 transmission at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information.
In the present embodiment, receiver module 901, monitoring module 902 and memory module 903 are identical with the function of the receiver module 801 in above-described embodiment eight, monitoring module 802 and memory module 803, refer to the explanation in above-described embodiment eight.
The mobile phone trading server that the present embodiment provides can send monitoring indication information to mobile phones payment terminal, and to make mobile phones payment terminal carry out the collection of monitor message according to monitoring indication information, its specific implementation can see the explanation of the invention described above embodiment of the method five.
Embodiment ten
The structural representation of the hand call payment system that Figure 10 provides for the embodiment of the present invention, as shown in Figure 10, the hand call payment system that the present embodiment provides comprises: mobile phones payment terminal 1001 and the mobile phone trading server 1002 that be connected long-range with this mobile phones payment terminal 1001, this mobile phones payment terminal 1001 and mobile phone trading server 1002 can adopt the mobile phones payment terminal described in above-described embodiment six and the mobile phone trading server described in above-described embodiment eight respectively, also the mobile phones payment terminal described in above-described embodiment seven and the mobile phone trading server described in above-described embodiment nine can be adopted respectively, above-described embodiment six and embodiment eight are shown in its detailed description, or above-described embodiment seven and embodiment nine, do not repeat them here.
Last it is noted that above each embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to foregoing embodiments to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein some or all of technical characteristic; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the scope of various embodiments of the present invention technical scheme.

Claims (9)

1. a data monitoring method, is characterized in that, comprising:
Obtain monitoring indication information;
According to described monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtain monitor message;
The described monitor message gathered is uploaded to mobile phone trading server, to be monitored based on the using state of described monitor message to described mobile phones payment terminal by described mobile phone trading server;
Described acquisition monitoring indication information, comprising:
Obtain the described monitoring indication information that described mobile phones payment terminal stores; Or,
Receive the described monitoring indication information that described mobile phone trading server sends.
2. data monitoring method according to claim 1, is characterized in that, described monitoring indication information comprises storage and monitoring time segment;
Described according to described monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtain monitor message, be specially:
To at least one information in described mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information in described storage and monitoring time segment, obtain described monitor message.
3. a data monitoring method, is characterized in that, comprising:
Receive the monitor message that mobile phones payment terminal is uploaded, described monitor message is at least one information in described mobile phones payment terminal current residing positional information, scene image information and the on-the-spot acoustic information that described mobile phones payment terminal gathers;
According to described monitor message, monitoring process is carried out to the using state of described mobile phones payment terminal;
Also comprise before the monitor message that described reception mobile phones payment terminal is uploaded:
Send monitoring indication information to described mobile phones payment terminal, make described mobile phones payment terminal according to described monitoring indication information at least one information in described mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information.
4. data monitoring method according to claim 3, is characterized in that, the monitor message that described reception mobile phones payment terminal is uploaded, and also comprises afterwards:
Store described monitor message.
5. a mobile phones payment terminal, is characterized in that, comprising:
Acquisition module, for obtaining monitoring indication information;
Acquisition module, for according to described monitoring indication information, at least one information in mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtains monitor message;
Sending module, for being uploaded to mobile phone trading server, to be monitored based on the using state of described monitor message to described mobile phones payment terminal by described mobile phone trading server by the described monitor message gathered;
Also comprise:
Instruction memory module, described instruction memory module is for storing described monitoring indication information;
Instruction receiver module, the monitoring indication information that described instruction receiver module sends for receiving described mobile phone trading server.
6. mobile phones payment terminal according to claim 5, is characterized in that, described monitoring indication information comprises storage and monitoring time segment;
Described acquisition module, specifically in described storage and monitoring time segment, at least one information in described mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information, obtains monitor message.
7. a mobile phone trading server, is characterized in that, comprising:
Receiver module, for receiving the monitor message that mobile phones payment terminal is uploaded, described monitor message is at least one information in described mobile phones payment terminal current residing positional information, scene image information and the on-the-spot acoustic information that described mobile phones payment terminal gathers;
Monitoring module, for carrying out monitoring process according to described monitor message to the using state of described mobile phones payment terminal;
Also comprise:
Instruction sending module, for sending monitoring indication information, make described mobile phones payment terminal according to described monitoring indication information at least one information in described mobile phones payment terminal current residing positional information, scene image information and on-the-spot acoustic information.
8. mobile phone trading server according to claim 7, is characterized in that, also comprise:
Memory module, for storing the described monitor message that described receiver module receives.
9. a hand call payment system, is characterized in that, comprises the mobile phones payment terminal described in claim 5 or 6, and mobile phone trading server according to claim 7, and described mobile phones payment terminal is connected with described mobile phone trading server is long-range.
CN201310014895.XA 2013-01-15 2013-01-15 Data monitoring method, mobile phones payment terminal, server and payment system Expired - Fee Related CN103106579B (en)

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