CN105488678A - Payment behavior information acquisition method and system - Google Patents
Payment behavior information acquisition method and system Download PDFInfo
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- CN105488678A CN105488678A CN201510821717.7A CN201510821717A CN105488678A CN 105488678 A CN105488678 A CN 105488678A CN 201510821717 A CN201510821717 A CN 201510821717A CN 105488678 A CN105488678 A CN 105488678A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a payment behavior information acquisition method. The method comprises the steps that a payment terminal sends a payment account and a transaction behavior of a user to a server when the user makes a payment transaction; the server looks for an information collection policy corresponding to the payment account, wherein the information collection policy comprises a preset information collection triggering condition; according to the transaction behavior, the server judges whether the preset information collection triggering condition is met or not; if the preset information collection triggering condition is met, the server sends a transaction locale information acquisition instruction to the payment terminal; and when receiving the transaction locale information acquisition instruction, the payment terminal acquires transaction locale information in real time and sends the acquired transaction locale information to the server. The invention furthermore provides a payment behavior information acquisition system. The transaction locale information can be acquired under the condition that unauthorized card swiping exists possibly, so that direct and effective evidences are provided for card holders to perform recourse on unauthorized card swiping behaviors subsequently.
Description
Technical field
The present invention relates to E-Payment field, pay behavior information collecting method and system in particular to one.
Background technology
In existing process of exchange, payment behavior be gather holder card information and user is hand-written or electronic signature sales slip mode to determine the payment behavior of holder self.Because quantity of information causes difficulty to the recourse that holder pays behavior less, effectively cannot judge the whether stolen brush of the bank card of holder, thus the direct vaild evidence stolen and swipe the card cannot be obtained.How to collect evidence when the stolen brush of bank card possibility is the technical matters being badly in need of solving.
Summary of the invention
In view of this, the invention provides a kind of payment behavior information collecting method and system, transaction field data can be gathered when existing and steal and swipe the card, provide directly effective evidence for follow-up holder demands robber's behavior of swiping the card.
A kind of payment behavior information collecting method, comprising: the payment accounts of user and trading activity are sent to server when user carries out payment transaction by payment terminal; The information gathering strategies that described whois lookup is corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal; When described payment terminal receives described transaction field data acquisition instructions, Real-time Collection transaction field data, sends to described server by the described transaction field data collected.
A kind of payment behavior information acquisition system, comprising: payment terminal and server, and described payment terminal is used for, when user carries out payment transaction, the payment accounts of user and trading activity are sent to server; Described server is for searching the information gathering strategies corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal; Described payment terminal is also for when receiving described transaction field data acquisition instructions, and Real-time Collection transaction field data, sends to described server by the described transaction field data collected.
Relative to prior art, the method and system of payment behavior information acquisition provided by the invention, the payment accounts of user and trading activity are sent to server when payment terminal carries out payment transaction by user; The information gathering strategies that described whois lookup is corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal; When described payment terminal receives described transaction field data acquisition instructions, Real-time Collection transaction field data, sends to described server by the described transaction field data collected.The transaction field data stolen when swiping the card can be obtained like this and provide directly effective evidence for follow-up holder demands robber's behavior of swiping the card.
For above and other object of the present invention, feature and advantage can be become apparent, preferred embodiment cited below particularly, and coordinate institute's accompanying drawings, be described in detail below.
Accompanying drawing explanation
In order to the clearer explanation embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is applied environment schematic diagram of the present invention;
The structured flowchart of a kind of payment terminal that Fig. 2 provides for the embodiment of the present invention;
Fig. 3 is that first embodiment of the invention provides payment behavior information collecting method process flow diagram;
Fig. 4 is that second embodiment of the invention provides payment behavior information collecting method process flow diagram;
Fig. 5 is that third embodiment of the invention provides payment behavior information collecting method process flow diagram;
Fig. 6 is that third embodiment of the invention provides payment behavior information collecting method sequential chart;
The structural representation of the payment behavior information collecting device that Fig. 7 provides for fourth embodiment of the invention;
The structural representation of the payment behavior information collecting device that Fig. 8 provides for fifth embodiment of the invention;
The structural representation of the payment behavior information acquisition system that Fig. 9 provides for sixth embodiment of the invention.
Embodiment
For further setting forth the present invention for the technological means that realizes predetermined goal of the invention and take and effect, below in conjunction with accompanying drawing and preferred embodiment, to according to the specific embodiment of the present invention, structure, feature and effect thereof, be described in detail as follows.The following each embodiment of the present invention all can be applicable in environment as shown in Figure 1, and as shown in Figure 1, server 200 is connected with payment terminal 100 by wired or wireless network.
Server 200 in the embodiment of the present invention can comprise multiple servers such as WEB server, authentication server, management server, paying server, also can be a server.
The payment terminal that the embodiment of the present invention provides can be the smart mobile phone, panel computer etc. that are integrated with payment transaction chip.
Fig. 2 shows a kind of structured flowchart of payment terminal.As shown in Figure 2, payment terminal 100 can comprise storer 102, memory controller 104, one or more (only illustrating one in figure) processor 106, Peripheral Interface 108, radio-frequency module 110, locating module 112, photographing module 114, audio-frequency module 116, Touch Screen 118, key-press module 120 and transaction payment module 124.These assemblies are by one or more communication bus/signal wire 122 communication mutually.
Storer 102 can be used for storing software program and module, programmed instruction/module that method and system as the payment behavior information acquisition in the embodiment of the present invention are corresponding, processor 102 is by running the software program and module that are stored in storer 104, thus perform the application of various function and data processing, namely realize the method for above-mentioned payment behavior information acquisition.
Storer 102 can comprise high speed random access memory, also can comprise nonvolatile memory, as one or more magnetic storage device, flash memory or other non-volatile solid state memories.In some instances, storer 102 can comprise the storer relative to the long-range setting of processor 106 further, and these remote memories can be connected to payment terminal 100 by network.The example of above-mentioned network includes but not limited to internet, intranet, LAN (Local Area Network), mobile radio communication and combination thereof.Processor 106 and other possible assemblies can carry out the access of storer 102 under the control of memory controller 104.
Various input/output device is coupled to CPU and storer 102 by Peripheral Interface 108.Various softwares in processor 106 run memory 102, instruction are to perform the various function of payment terminal 100 and to carry out data processing.
In certain embodiments, Peripheral Interface 108, processor 106 and memory controller 104 can realize in one single chip.In some other example, they can respectively by independently chip realization.
Radio-frequency module 110, for receiving and sending electromagnetic wave, realizes the mutual conversion of electromagnetic wave and electric signal, thus carries out communication with communication network or other equipment.Radio-frequency module 110 can comprise the various existing circuit component for performing these functions, such as, and antenna, radio-frequency (RF) transceiver, digital signal processor, encrypt/decrypt chip, subscriber identity module (SIM) card, storer etc.Radio-frequency module 110 can with various network as internet, intranet, wireless network carry out communication or carry out communication by wireless network and other equipment.Locating module 112 is for obtaining the current location of payment terminal 100.
The example of locating module 112 includes but not limited to Global Positioning System (GPS) (GPS), location technology based on WLAN (wireless local area network) or mobile radio communication.
Photographing module 114 is for taking pictures or video, and it can comprise preposition image collecting device and rearmounted image collecting device.Photo or the video of shooting can be stored in storer 102, and send by radio-frequency module 110.
Audio-frequency module 116 provides audio interface to user, and it can comprise one or more microphone, one or more loudspeaker and voicefrequency circuit.Voicefrequency circuit receives voice data from Peripheral Interface 108, voice data is converted to telecommunications breath, and telecommunications breath is transferred to loudspeaker.Telecommunications breath is changed the sound wave can heard into people's ear by loudspeaker.Voicefrequency circuit also from microphone receive telecommunications breath, convert electrical signals to voice data, and by data transmission in network telephony to Peripheral Interface 108 to be further processed.Voice data can obtain from storer 102 or by radio-frequency module 110.In addition, voice data also can be stored in storer 102 or by radio-frequency module 110 and send.In some instances, audio-frequency module 116 also can comprise an earphone and broadcast hole, for providing audio interface to earphone or other equipment.
Touch Screen 118 provides one simultaneously and exports and inputting interface between payment terminal 100 and user.Particularly, Touch Screen 118 exports to user's display video, and the content of these video frequency output can comprise word, figure, video and combination in any thereof.Some Output rusults correspond to some user interface object.Touch Screen 118 also receives the input of user, and the gesture operation such as click, slip of such as user, so that response is made in the input of user interface object to these users.The technology detecting user's input can be based on resistance-type, condenser type or other touch control detection technology possible arbitrarily.The instantiation of Touch Screen 118 display unit includes, but are not limited to liquid crystal display or light emitting polymer displays.
Key-press module 120 provides user to carry out the interface inputted to payment terminal 100 equally, and user can perform different functions by pressing different buttons to make payment terminal 100.
The payment accounts that payment transaction chip 124 inputs to payment terminal 100 for reading user, described input account reading manner includes but not limited to that draw-in groove swipe the card reading, bank card IC information of reading, NFC of swiping the card reads.
Be appreciated that the structure shown in Fig. 2 is only signal, payment terminal 100 also can comprise than assembly more or less shown in Fig. 2, or has the configuration different from shown in Fig. 2.Each assembly shown in Fig. 2 can adopt hardware, software or its combination to realize.
First embodiment
Fig. 3 provides payment behavior information collecting method process flow diagram for inventing the first embodiment.The method of the payment behavior information acquisition of the present embodiment performed by payment terminal, what the present embodiment described is step performed by payment terminal, in the present embodiment, said method comprising the steps of:
Step S210, the payment accounts of user and trading activity are sent to server when user carries out payment transaction by payment terminal.
Concrete, when payment behavior starts, payment terminal collects the payment accounts of user.Trading activity can comprise the current geographic position information of payment terminal, the temporal information of payment transaction or the dealing money etc. of payment transaction, wherein, by the locating module location current geographic position information in payment terminal, by the temporal information of clock log payment transaction, obtained the dealing money of payment transaction by the payment numerical information inputted in payment terminal.
Server is when receiving the payment accounts and trading activity that payment terminal provides, search the information gathering strategies corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal
Step S220, receives the transaction field data acquisition instructions that described server sends.
Step S230, Real-time Collection transaction field data.
Step S240, sends to described server by the described transaction field data collected.
The transaction field data of described payment terminal collection includes but not limited to: the information such as the current geographic position information of the picture at transaction scene when described payment transaction occurs, video, audio frequency or described payment terminal.Preferably, described payment terminal adopts hidden mode to gather transaction field data.
Further, described the described transaction field data collected is sent to described server before, described payment terminal also detects current network, the concrete upstream rate that can detect current network.Described payment terminal sends rule according to predetermined information and carries out the transmission of transaction field data.
In the embodiment of the present invention, described predetermined information sends rule and can comprise: when the upstream rate of described current network is greater than the first preset value, described payment terminal sends described video and/or audio to described server; When described upstream rate is less than described first predetermined value and is greater than the second predetermined value, described payment terminal transmission picture and/or geographical location information are to described server; When described upstream rate is less than described second predetermined value, described transaction field data is stopped to send, described payment terminal gathers the current geographic information of picture and/or described payment terminal and is saved in described payment terminal, when described speed uplink is greater than described second predetermined value, the transaction field data be kept in described payment terminal is sent to described server.Certainly, in the particular embodiment, when described payment terminal receives described transaction field data acquisition instructions, described payment terminal can gather the current geographic position information of the picture at transaction scene, video, audio frequency and described payment terminal when described payment transaction occurs, in the case, if do not have send as seen information exceed certain duration, described not have transmission as seen information will be deleted.Described payment terminal also can according to detecting that current network conditions determines to gather content, and a such as collection needs the as seen information content of transmission according to predetermined information transmission rule.
The method of the payment behavior information acquisition that the present embodiment provides, sends to server when user carries out payment transaction by the payment accounts of user and trading activity by payment terminal; Receive the transaction field data acquisition instructions that described server sends; Real-time Collection transaction field data, sends to described server by the described transaction field data collected.The transaction field data stolen when swiping the card can be obtained like this and provide directly effective evidence for follow-up holder demands robber's behavior of swiping the card.
Second embodiment
Fig. 4 provides payment behavior information collecting method process flow diagram for inventing the second embodiment.The method of the acquisition electronics sales slip of the present embodiment performed by server, what the present embodiment described is step performed by server, in the present embodiment, said method comprising the steps of:
Step S310, server receives payment accounts and the trading activity of payment terminal transmission.
Step S320, the information gathering strategies that described whois lookup is corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal.
In specific embodiment, described information gathering strategies can be hold artificially set and be sent in described server.Described information gathering strategies can comprise: the current geographic position information of payment terminal, the temporal information of payment transaction or the dealing money of payment transaction.Particularly, mode one, be only limitted to first inside the province as holder A sets its place of swiping the card, if the bank card of holder A appears at second consumption inside the province, trigger the information trigger condition that holder A is preset, described payment terminal is monitored trading activity and is sent transaction field data; Mode two, the amount of money of swiping the card set in its stipulated time as holder B is no more than 3000 yuans, if the bank card of the holder B amount of money of swiping the card at the appointed time is more than 3000 yuans, trigger the information trigger condition that holder B is preset, described payment terminal is monitored trading activity and is sent transaction field data; Mode three, if holder C setting consumption time is AM8:00 ~ PM11:00 every day, if the bank card of holder C is swiped the card outside the afore mentioned rules time, trigger the information trigger condition that holder C is preset, described payment terminal is monitored trading activity and is sent transaction field data.
In specific embodiment, described information gathering strategies is formulated information gathering strategies by the past habit of transaction of server according to holder and is saved in described server.As there being weekly the consumption expenditure of food and drink aspect in holder in the past three months, so can not trigger preset information trigger condition when there is the consumption expenditure of food and drink aspect, but preset information trigger condition will be triggered if there is time the consumption type all not occur for three months (such as: buy gold jewelry).Certainly, above-mentioned is only citing, information gathering strategies is relevant with correlative factors such as exchange hour, loco, dealing money, type of transaction, trading frequencies in practice, makes the information gathering strategies for different holder's consumption habits according to above-mentioned combined factors.
Step S330, described server receives the described transaction field data that described payment terminal sends.
When the bank card of holder is lost, when on bank card, fund is stolen brush by people, holder can obtain by described server the transaction field data stolen when swiping the card, and facilitates holder to demand the behavior of stealing and swiping the card.
The method of the payment behavior information acquisition that the present embodiment provides, receives payment accounts and the trading activity of payment terminal transmission by server; The information gathering strategies that described whois lookup is corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal; Described server receives the described transaction field data that described payment terminal sends.The transaction field data stolen when swiping the card can be obtained like this and provide directly effective evidence for follow-up holder demands robber's behavior of swiping the card.
3rd embodiment
Fig. 5 provides payment behavior information collecting method process flow diagram for inventing the 3rd embodiment, and Fig. 6 provides the sequential chart of the method for payment behavior information acquisition for inventing the 3rd embodiment.With reference to Fig. 5 and Fig. 6, the present embodiment is between payment terminal and server be main description this method alternately, comprises the following steps:
Step S410, payment terminal gathers payment accounts and the trading activity of user when user carries out payment transaction.
In a particular embodiment, described trading activity refers to by the locating module location current geographic position information in payment terminal, by the temporal information of clock log payment transaction, by obtaining the dealing money of payment transaction in the input numerical information of payment terminal.
Step S420, the payment accounts of described user and trading activity are sent to server by described payment terminal.
Step S430, the information gathering strategies that described whois lookup is corresponding with described payment accounts.
In a particular embodiment, described information gathering strategies, with reference to associated description in embodiment two, does not repeat them here.
Step S440, described information gathering strategies comprises preset information trigger condition, judges whether to meet described preset information trigger condition according to described trading activity, if met, then sends transaction field data acquisition instructions to described payment terminal.
Step S450, when described payment terminal receives described transaction field data acquisition instructions, Real-time Collection transaction field data.
In a particular embodiment, gather transaction field data to comprise: the current geographic position information of the picture at transaction scene when described payment transaction occurs, video, audio frequency or described payment terminal.Described payment terminal adopts hidden mode to gather transaction field data.
Step S460, field data of being concluded the business by Real-time Collection is sent to described server.
When the bank card of holder is lost, when on bank card, fund is stolen brush by people, holder can obtain by described server the transaction field data stolen when swiping the card, and facilitates holder to demand the behavior of stealing and swiping the card.
Before step S460, described payment terminal detects current network, the upstream rate of concrete detection current network.Described payment terminal sends rule according to predetermined information and carries out the transmission of transaction field data.Predetermined information sends rule and comprises: when the upstream rate of described current network is greater than the first preset value, described payment terminal sends described video and/or audio to described server; When described upstream rate is less than described first predetermined value and is greater than the second predetermined value, described payment terminal transmission picture and/or geographical location information are to described server; When described upstream rate is less than described second predetermined value, described transaction field data is stopped to send, described payment terminal gathers the current geographic information of picture and/or described payment terminal and is saved in described payment terminal, when described speed uplink is greater than described second predetermined value, the transaction field data be kept in described payment terminal is sent to described server.
In the particular embodiment, when described payment terminal receives described transaction field data acquisition instructions, described payment terminal can gather the current geographic position information of the picture at transaction scene, video, audio frequency and described payment terminal when described payment transaction occurs, in the case, if do not have send as seen information exceed certain duration, described not have transmission as seen information will be deleted.Described payment terminal also can according to detecting that current network conditions determines to gather content, and a such as collection needs the as seen information content of transmission according to predetermined information transmission rule.
The method of payment behavior information acquisition provided by the invention, the payment accounts of user and trading activity are sent to server when payment terminal carries out payment transaction by user; The information gathering strategies that described whois lookup is corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal; When described payment terminal receives described transaction field data acquisition instructions, Real-time Collection transaction field data, sends to described server by the described transaction field data collected.The transaction field data stolen when swiping the card can be obtained like this and provide directly effective evidence for follow-up holder demands robber's behavior of swiping the card.
4th embodiment
Please refer to Fig. 7, be the structural representation of the payment behavior information collecting device that fourth embodiment of the invention provides, the device that the present embodiment provides can run on payment terminal, and the device 500 of described payment behavior information acquisition can comprise:
First sending module 510, sends to server by the payment accounts of user and trading activity when carrying out payment transaction for user;
Receiver module 520, for receiving the transaction field data acquisition instructions that described server sends;
Acquisition module 530, for Real-time Collection transaction field data;
Second sending module 540, for sending to described server by the described transaction field data collected.
Further, the device of described payment behavior information acquisition also comprises: network detection module 550 and sending strategy module 560, described network detection module 550 for detecting current network, the upstream rate of concrete detection current network.Described sending strategy module 560 carries out the transmission of transaction field data for setting predetermined information transmission rule.Particularly, in the present embodiment, predetermined information sends rule and comprises: when the upstream rate of described current network is greater than the first preset value, described second sending module 540 sends described video and/or audio to described server; When described upstream rate is less than described first predetermined value and is greater than the second predetermined value, described second sending module 540 sends picture and/or geographical location information to described server; When described upstream rate is less than described second predetermined value, described transaction field data is stopped to send, described acquisition module gathers the current geographic information of picture and/or described payment terminal and is saved on the device of described payment behavior information acquisition, when described speed uplink is greater than described second predetermined value, the transaction field data of the device being kept at described payment behavior information acquisition is sent to described server by described second sending module.
Each module can be by software code realization above, and now, above-mentioned each module can be stored in the storer of payment terminal.Each module can be realized by hardware such as integrated circuit (IC) chip equally above.
The device of the payment behavior information acquisition that the present embodiment provides, sends to server when user carries out payment transaction by the payment accounts of user and trading activity by payment terminal; Receive the transaction field data acquisition instructions that described server sends; Real-time Collection transaction field data, sends to described server by the described transaction field data collected.The transaction field data stolen when swiping the card can be obtained like this and provide directly effective evidence for follow-up holder demands robber's behavior of swiping the card.
5th embodiment
Please refer to Fig. 8, be the structural representation of the payment behavior information collecting device that fifth embodiment of the invention provides, the device that the present embodiment provides can run on server, and the device 600 of described payment behavior information acquisition can comprise:
First receiver module 610, for receiving payment accounts and the trading activity of payment terminal transmission;
Search module 620, for searching the information gathering strategies corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal.
Second receiver module 630, for receiving the described transaction field data that described payment terminal sends.
Each module can be by software code realization above, and now, above-mentioned each module can be stored in the storer of server.Each module can be realized by hardware such as integrated circuit (IC) chip equally above.
The device of the payment behavior information acquisition that the present embodiment provides, receives payment accounts and the trading activity of payment terminal transmission by server; The information gathering strategies that described whois lookup is corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal; Described server receives the described transaction field data that described payment terminal sends.The transaction field data stolen when swiping the card can be obtained like this and provide directly effective evidence for follow-up holder demands robber's behavior of swiping the card.
6th embodiment
Please refer to Fig. 9, is the structural representation of the payment behavior information acquisition system that sixth embodiment of the invention provides; The system 700 of payment behavior information acquisition can comprise: payment terminal 710 and server 720, wherein:
Described payment terminal 710, for sending to server when user carries out payment transaction by the payment accounts of user and trading activity;
Described service 720, for searching the information gathering strategies corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal;
Described payment terminal 710, also for when receiving described transaction field data acquisition instructions, Real-time Collection transaction field data, sends to described server by the described transaction field data collected.
It should be noted that, in the system of the embodiment of the present invention, the function of each equipment can according to the method specific implementation in said method embodiment, and its specific implementation process with reference to the associated description of said method embodiment, can be not repeated herein.
It should be noted that, each embodiment in this instructions all adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar part mutually see.For device class embodiment, due to itself and embodiment of the method basic simlarity, so description is fairly simple, relevant part illustrates see the part of embodiment of the method.
It should be noted that, in this article, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or device and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or device.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the device comprising described key element and also there is other identical element.
One of ordinary skill in the art will appreciate that all or part of step realizing above-described embodiment can have been come by hardware, the hardware that also can carry out instruction relevant by program completes, described program can be stored in a kind of computer-readable recording medium, the above-mentioned storage medium mentioned can be ROM (read-only memory), disk or CD etc.
The above, it is only preferred embodiment of the present invention, not any pro forma restriction is done to the present invention, although the present invention discloses as above with preferred embodiment, but and be not used to limit the present invention, any those skilled in the art, do not departing within the scope of technical solution of the present invention, make a little change when the technology contents of above-mentioned announcement can be utilized or be modified to the Equivalent embodiments of equivalent variations, in every case be do not depart from technical solution of the present invention content, according to any simple modification that technical spirit of the present invention is done above embodiment, equivalent variations and modification, all still belong in the scope of technical solution of the present invention.
Claims (10)
1. pay a behavior information collecting method, it is characterized in that, comprising:
The payment accounts of user and trading activity are sent to server when user carries out payment transaction by payment terminal;
The information gathering strategies that described whois lookup is corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal;
When described payment terminal receives described transaction field data acquisition instructions, Real-time Collection transaction field data, sends to described server by the described transaction field data collected.
2. payment behavior information collecting method as claimed in claim 1, it is characterized in that, described trading activity comprises:
The current geographic position information of described payment terminal, the temporal information of described payment transaction, or the dealing money of institute's payment transaction.
3. payment behavior information collecting method as claimed in claim 1, it is characterized in that, described transaction field data comprises: the current geographic position information of the picture at transaction scene when described payment transaction occurs, video, audio frequency or described payment terminal.
4. payment behavior information collecting method as claimed in claim 3, it is characterized in that: described the described transaction field data collected is sent to described server before, comprise: described payment terminal detects current network, send rule according to the upstream rate of described current network and predetermined information and the described transaction field data collected is sent to described server.
5. payment behavior information collecting method as claimed in claim 4, is characterized in that: described predetermined information sends rule and comprises:
When the upstream rate of described current network is greater than the first preset value, described payment terminal sends described video and/or audio to described server;
When described upstream rate is less than described first predetermined value and is greater than the second predetermined value, described payment terminal sends picture and/or geographical location information to described server when described upstream rate is less than described second predetermined value, described transaction field data is stopped to send, described payment terminal gathers the current geographic information of picture and/or described payment terminal and is saved in described payment terminal, when described speed uplink is greater than described second predetermined value, the transaction field data be kept in described payment terminal is sent to described server.
6. pay a behavior information acquisition system, it is characterized in that, comprising: payment terminal and server,
Described payment terminal is used for, when user carries out payment transaction, the payment accounts of user and trading activity are sent to server;
Described server is for searching the information gathering strategies corresponding with described payment accounts, described information gathering strategies comprises preset information trigger condition, judge whether to meet described preset information trigger condition according to described trading activity, if met, then send transaction field data acquisition instructions to described payment terminal;
Described payment terminal is also for when receiving described transaction field data acquisition instructions, and Real-time Collection transaction field data, sends to described server by the described transaction field data collected.
7. payment behavior information acquisition system as claimed in claim 6, is characterized in that: described trading activity comprises:
The current geographic position information of described payment terminal, the temporal information of described payment transaction, or the dealing money of institute's payment transaction.
8. payment behavior information acquisition system as claimed in claim 6, is characterized in that: described transaction field data comprises: the current geographic position information of the picture at transaction scene when described payment transaction occurs, video, audio frequency or described payment terminal.
9. payment behavior information acquisition system as claimed in claim 8, it is characterized in that: described payment terminal is concrete also for before the described transaction field data collected is sent to described server, detect current network, send rule according to the upstream rate of described current network and predetermined information and the described transaction field data collected is sent to described server.
10. payment behavior information acquisition system as claimed in claim 9, is characterized in that: described predetermined information sends rule and comprises:
When the upstream rate of described current network is greater than the first preset value, described payment terminal sends described video and/or audio to described server;
When described upstream rate is less than described first predetermined value and is greater than the second predetermined value, described payment terminal transmission picture and/or geographical location information are to described server
When described upstream rate is less than described second predetermined value, described transaction field data is stopped to send, described payment terminal gathers the current geographic information of picture and/or described payment terminal and is saved in described payment terminal, when described speed uplink is greater than described second predetermined value, the transaction field data be kept in described payment terminal is sent to described server.
Priority Applications (1)
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| CN106651406A (en) * | 2017-02-22 | 2017-05-10 | 北京智慧云测科技有限公司 | Payment terminal detecting device, system and method |
| CN107249021A (en) * | 2017-05-27 | 2017-10-13 | 广东欧珀移动通信有限公司 | Method of data synchronization, device, storage medium, computer equipment and server |
| CN107516217A (en) * | 2017-07-28 | 2017-12-26 | 广东欧珀移动通信有限公司 | Quick payment method and related product |
| CN109863523A (en) * | 2016-10-27 | 2019-06-07 | 索尼公司 | Information processing unit, information processing system, information processing method and program |
| CN113469678A (en) * | 2021-06-21 | 2021-10-01 | 深圳市雪球科技有限公司 | Transaction reminding method, card swiping method and DESFIre card |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109863523A (en) * | 2016-10-27 | 2019-06-07 | 索尼公司 | Information processing unit, information processing system, information processing method and program |
| CN106651406A (en) * | 2017-02-22 | 2017-05-10 | 北京智慧云测科技有限公司 | Payment terminal detecting device, system and method |
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| CN107249021A (en) * | 2017-05-27 | 2017-10-13 | 广东欧珀移动通信有限公司 | Method of data synchronization, device, storage medium, computer equipment and server |
| CN107516217A (en) * | 2017-07-28 | 2017-12-26 | 广东欧珀移动通信有限公司 | Quick payment method and related product |
| CN113469678A (en) * | 2021-06-21 | 2021-10-01 | 深圳市雪球科技有限公司 | Transaction reminding method, card swiping method and DESFIre card |
| CN113469678B (en) * | 2021-06-21 | 2023-08-04 | 深圳市雪球科技有限公司 | Transaction reminding method, card swiping method and DESFire card |
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