CN105634739B - The processing method of payment request, the processing unit of payment request and terminal - Google Patents
The processing method of payment request, the processing unit of payment request and terminal Download PDFInfo
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- CN105634739B CN105634739B CN201510191901.8A CN201510191901A CN105634739B CN 105634739 B CN105634739 B CN 105634739B CN 201510191901 A CN201510191901 A CN 201510191901A CN 105634739 B CN105634739 B CN 105634739B
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Abstract
The invention proposes a kind of processing method of payment request, a kind of processing unit of payment request and a kind of terminals, wherein, the processing method of the payment request includes: to judge whether to get the target delivery operation to match with default delivery operation when terminal monitoring is to payment request；When the judgment result is yes, if getting correctly payment key, the payment request is responded；Otherwise, refuse the payment request.According to the technical solution of the present invention, it can be sufficiently ensured user payment safety by the payment scheme of a kind of simple possible safety, further increase safety of payment, improve the payment experience of user.
Description
Technical field
The present invention relates to field of terminal technology, ask in particular to a kind of processing method of payment request, a kind of payment
The processing unit and a kind of terminal asked.
Background technique
Currently, the secure payment scheme of domestic mobile terminal is substantially password plus short message verification code, and the one of Alipay
A little quick payment mode even short message verification codes all do not have, this is resulted in, and there are huge safety of payment hidden danger；Compare in the world
Safer payment scheme (the Apple pay of such as apple) is the fingerprint recognition by embedded chip plus NFC (Near
Field Communication, near field communication (NFC)) reach secure payment, make mobile phone directly instead of credit card,
This payment scheme keeps user experience and safety relatively high, but this solution technique difficulty is bigger, and is related to
With the resource consolidation of financial institution；And the scheme of some other detection human body physical sign, accuracy are also to be improved.Therefore,
Existing payment scheme has the following deficiencies:
Payment cipher adds the payment scheme of identifying code, basic in the case where lost mobile phone just to say without safety,
At this point, even if illegal user does not know payment cipher, it can also be with Modify password by identifying code；
The fingerprint recognition implementation difficulty of Apple pay is larger, and is related to the difficulty of resource consolidation；
The payment scheme of other signs is currently not very mature, and the sign information of acquisition can not accurate and unique generation
Table legitimate user.
Therefore, how using a kind of simple possible and safety payment scheme become with ensuring the payment safety of user
Urgent problem to be solved.
Summary of the invention
The present invention is based on the above problems, proposes a kind of new technical solution, the branch of a kind of simple possible and safety
The scheme of paying, can substantially ensure the payment safety of user, further increase safety of payment, improve the payment experience of user.
In view of this, an aspect of of the present present invention proposes a kind of processing method of payment request, comprising: when terminal monitoring arrives
When payment request, judge whether to get the target delivery operation to match with default delivery operation；When the judgment result is yes,
If getting correctly payment key, the payment request is responded；Otherwise, refuse the payment request.
In the technical scheme, due to must just be inputted before input correctly payment key to successfully complete payment
The default delivery operation that legitimate user pre-sets, only legitimate user know, therefore, when terminal monitoring to Alipay, each
When the payment request that the application programs such as kind payment wallet, bank client receive, if judgement is got and default delivery operation
The target delivery operation to match can then primarily determine that the sender of payment request is legitimate user, then can further really
The fixed correctly payment key that whether gets will respond the payment and ask if so, may further determine that is legitimate user
It asks, so that legitimate user successfully completes payment；Otherwise, if receiving the payment key of mistake, illustrate the sending of payment request
Person still may be illegal user, then refuses the payment request, so that illegal user can not successfully complete payment, in the technical side
In case, legitimate user is when successfully completing payment, it is only necessary to and it inputs target delivery operation and correctly pays key, and nothing
Terminal need to be made to acquire the biological informations such as the fingerprint of itself, simple possible, and can substantially ensure payment safety, further
Safety of payment is improved, the payment experience of user is improved.Wherein, default delivery operation can be before user pays, in terminal
Any application program in any habitual delivery operation for recording legitimate user's success is assisted with preliminary identification user identity
Payment is completed, such as: then default delivery operation can delete to open two characters of notepad input, dial 10086 and protect
It holds call 15 seconds or enters short message interface and create a short message and save to draft.
In the above-mentioned technical solutions, it is preferable that when judging result is that the target delivery operation has not been obtained, refuse institute
State payment request；And when judging result is that the target delivery operation has not been obtained, if getting correctly payment key,
Standby signal is issued, then to prompt the payment wrong cipher key.
In the technical scheme, when target delivery operation has not been obtained in terminal, then payment request can be primarily determined
Sender is illegal user, then can refuse the payment request, so that illegal user can not successfully complete payment；In addition, if working as
Target delivery operation has not been obtained in terminal, and receives correctly payment key, then illustrates that terminal may be stolen by illegal user
And the illegal user just knows to pay key, then illegal user successfully completes payment in order to prevent, and terminal still can be mentioned constantly
Show that user pays wrong cipher key, further, when the number that payment key is continuously considered mistake reaches the errors number upper limit such as 3
When secondary, it might even be possible to the accounts such as the corresponding Alipay account of payment request, bank card account number are locked, so that illegal user can not be after
Continuous input payment request, to substantially ensure that only legitimate user could successfully complete payment at the terminal.
In the above-mentioned technical solutions, it is preferable that described to judge whether to get the target to match with default delivery operation
Delivery operation specifically includes: judging whether the terminal is back to interface of main menu, and reenters specified application and institute
State whether specified application receives the target delivery operation.
In the technical scheme, judging whether terminal gets the detailed process of target delivery operation can be with are as follows: works as terminal
When payment key input interface corresponding into payment request, judge whether user clicks home key, so that terminal returns to entree
Single interface, and specified application is reentered, target delivery operation is inputted to specified application, such as: when default payment
Operation are as follows: when opening two characters of notepad input and then deleting, terminal is when receiving the payment request that Alipay is got, just
User should be judged when entering the key payment interface of Alipay, if home key is clicked, terminal is made to return to interface of main menu,
And notepad application is reentered, two characters, which are inputted, to notepad application then deletes.
In the above-mentioned technical solutions, it is preferable that further include: according to the store command received, the default payment is grasped
Make and carry out corresponding storage with the payment application for receiving the payment request, in the terminal monitoring to the payment
When the payment request that application program receives, start to judge whether to get the target delivery operation.
In the technical scheme, by by different default delivery operations and receiving the different payment applications of payment request
Program carries out corresponding storage, such as: by Alipay application program with open dial and input that several stationary digitals are corresponding to be stored, with
Dial will be opened and input default delivery operation of several stationary digitals as Alipay application program, by Baidu's wallet application journey
Sequence storage corresponding with a certain addressee is inputted in mailbox application program, will input a certain addressee in mailbox application program
As the default delivery operation of Baidu's wallet application, in this way, getting the reception of some payment application convenient for terminal
When the payment request arrived, locking default delivery operation corresponding with the payment application for receiving payment request rapidly, and it is fast
Speed and accurately user's delivery operation currently entered whether be that default delivery operation with the payment application matches
Target delivery operation, and accurately tentatively judge whether the sender of payment request is legitimate user according to judging result, certainly,
The technical solution can also make default delivery operation more abundant, prevent because default delivery operation is single, and can prevent non-
After method user knows unintentionally the default delivery operation of legitimate user's setting, it is greatly reduced various in legitimate user's terminal
The safety of payment of account.
In the above-mentioned technical solutions, it is preferable that further include: the default delivery operation is updated when the terminal receives
When instruction, judge whether to get the target identities identification information to match with default identity identification information；It is in judging result
When being, allow to update the default delivery operation, otherwise, forbids updating the default delivery operation.
In the technical scheme, it when terminal receives the instruction for updating default delivery operation, is obtained by judging whether
It, can be true to the target identities identification information to match with default identity identification information (i.e. the identity identification information of legitimate user)
Protect and only have legitimate user that can just update the default delivery operation, even and if illegal user usurps the terminal of legitimate user, also without
Method updates the default delivery operation, this is conducive to the safety of payment for further increasing the various accounts of legitimate user at the terminal.
Another aspect of the present invention proposes a kind of processing unit of payment request, comprising: judging unit works as terminal monitoring
When to payment request, judge whether to get the target delivery operation to match with default delivery operation；Processing unit is judging
It as a result is when being, if getting correctly payment key, to respond the payment request；Otherwise, refuse the payment request.
In the technical scheme, due to must just be inputted before input correctly payment key to successfully complete payment
The default delivery operation that legitimate user pre-sets, only legitimate user know, therefore, when terminal monitoring to Alipay, each
When the payment request that the application programs such as kind payment wallet, bank client receive, if judgement is got and default delivery operation
The target delivery operation to match can then primarily determine that the sender of payment request is legitimate user, then can further really
The fixed correctly payment key that whether gets will respond the payment and ask if so, may further determine that is legitimate user
It asks, so that legitimate user successfully completes payment；Otherwise, if receiving the payment key of mistake, illustrate the sending of payment request
Person still may be illegal user, then refuses the payment request, so that illegal user can not successfully complete payment, in the technical side
In case, legitimate user is when successfully completing payment, it is only necessary to and it inputs target delivery operation and correctly pays key, and nothing
Terminal need to be made to acquire the biological informations such as the fingerprint of itself, simple possible, and can substantially ensure payment safety, further
Safety of payment is improved, the payment experience of user is improved.Wherein, default delivery operation can be before user pays, in terminal
Any application program in any habitual delivery operation for recording legitimate user's success is assisted with preliminary identification user identity
Payment is completed, such as: then default delivery operation can delete to open two characters of notepad input, dial 10086 and protect
It holds call 15 seconds or enters short message interface and create a short message and save to draft.
In the above-mentioned technical solutions, it is preferable that the processing unit is also used to: being that the mesh has not been obtained in judging result
When marking delivery operation, refuse the payment request；And when judging result is that the target delivery operation has not been obtained, if obtaining
Correctly payment key is got, then standby signal is issued, to prompt the payment wrong cipher key.
In the technical scheme, when target delivery operation has not been obtained in terminal, then payment request can be primarily determined
Sender is illegal user, then can refuse the payment request, so that illegal user can not successfully complete payment；In addition, if working as
Target delivery operation has not been obtained in terminal, and receives correctly payment key, then illustrates that terminal may be stolen by illegal user
And the illegal user just knows to pay key, then illegal user successfully completes payment in order to prevent, and terminal still can be mentioned constantly
Show that user pays wrong cipher key, further, when the number that payment key is continuously considered mistake reaches the errors number upper limit such as 3
When secondary, it might even be possible to the accounts such as the corresponding Alipay account of payment request, bank card account number are locked, so that illegal user can not be after
Continuous input payment request, to substantially ensure that only legitimate user could successfully complete payment at the terminal.
In the above-mentioned technical solutions, it is preferable that the judging unit is specifically used for: judging whether the terminal is back to master
Menu interface, and reenter specified application and whether the specified application receives the target delivery operation.
In the technical scheme, judging whether terminal gets the detailed process of target delivery operation can be with are as follows: works as terminal
When payment key input interface corresponding into payment request, judge whether user clicks home key, so that terminal returns to entree
Single interface, and specified application is reentered, target delivery operation is inputted to specified application, such as: when default payment
Operation are as follows: when opening two characters of notepad input and then deleting, terminal is when receiving the payment request that Alipay is got, just
User should be judged when entering the key payment interface of Alipay, if home key is clicked, terminal is made to return to interface of main menu,
And notepad application is reentered, two characters, which are inputted, to notepad application then deletes.
In the above-mentioned technical solutions, it is preferable that further include: storage unit will be described pre- according to the store command received
If delivery operation and carrying out corresponding storage with the payment application for receiving the payment request, to be arrived in the terminal monitoring
When the payment request that the payment application receives, start to judge whether to get the target delivery operation.
In the technical scheme, by by different default delivery operations and receiving the different payment applications of payment request
Program carries out corresponding storage, such as: by Alipay application program with open dial and input that several stationary digitals are corresponding to be stored, with
Dial will be opened and input default delivery operation of several stationary digitals as Alipay application program, by Baidu's wallet application journey
Sequence storage corresponding with a certain addressee is inputted in mailbox application program, will input a certain addressee in mailbox application program
As the default delivery operation of Baidu's wallet application, in this way, getting the reception of some payment application convenient for terminal
When the payment request arrived, locking default delivery operation corresponding with the payment application for receiving payment request rapidly, and it is fast
Speed and accurately user's delivery operation currently entered whether be that default delivery operation with the payment application matches
Target delivery operation, and accurately tentatively judge whether the sender of payment request is legitimate user according to judging result, certainly,
The technical solution can also make default delivery operation more abundant, prevent because default delivery operation is single, and can prevent non-
After method user knows unintentionally the default delivery operation of legitimate user's setting, it is greatly reduced various in legitimate user's terminal
The safety of payment of account.
In the above-mentioned technical solutions, it is preferable that the judging unit is also used to: when the terminal receive update it is described pre-
If when the instruction of delivery operation, judging whether to get the target identities identification information to match with default identity identification information；
And the processing unit is also used to: when the judgment result is yes, being allowed to update the default delivery operation and is otherwise forbidden more
The new default delivery operation.
In the technical scheme, it when terminal receives the instruction for updating default delivery operation, is obtained by judging whether
It, can be true to the target identities identification information to match with default identity identification information (i.e. the identity identification information of legitimate user)
Protect and only have legitimate user that can just update the default delivery operation, even and if illegal user usurps the terminal of legitimate user, also without
Method updates the default delivery operation, this is conducive to the safety of payment for further increasing the various accounts of legitimate user at the terminal.
Another aspect of the present invention proposes a kind of terminal, comprising: the payment as described in any one of above-mentioned technical proposal
The processing unit of request.
In the technical scheme, by the way that the processing unit of payment request is arranged at the terminal, simply can may be used by one kind
The payment scheme of row and safety, that is, can be sufficiently ensured the payment safety of user, further increase safety of payment, improve user's
Payment experience.
According to the technical solution of the present invention, can and designing a kind of simple possible safety payment scheme, Ji Kechong
Divide the payment safety for ensuring user, further increase safety of payment, improves the payment experience of user.
Detailed description of the invention
Fig. 1 shows the flow diagram of the processing method of payment request according to an embodiment of the invention；
Fig. 2 shows the structural schematic diagrams of the processing unit of payment request according to an embodiment of the invention；
Fig. 3 shows the structural schematic diagram of terminal according to an embodiment of the invention；
Fig. 4 shows the setting procedure schematic diagram of default delivery operation according to an embodiment of the invention；
Fig. 5 shows the call flow schematic diagram of default delivery operation according to an embodiment of the invention；
Fig. 6 shows the flow diagram of the processing method of payment request according to another embodiment of the invention.
Specific embodiment
It is with reference to the accompanying drawing and specific real in order to be more clearly understood that the above objects, features and advantages of the present invention
Applying mode, the present invention is further described in detail.It should be noted that in the absence of conflict, the implementation of the application
Feature in example and embodiment can be combined with each other.
In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention, still, the present invention may be used also
To be implemented using other than the one described here other modes, therefore, protection scope of the present invention is not by described below
Specific embodiment limitation.
Fig. 1 shows the flow diagram of the processing method of payment request according to an embodiment of the invention.
As shown in Figure 1, showing the processing method of the payment request of one embodiment of the present of invention, comprising: step 102,
When terminal monitoring is to payment request, judge whether to get the target delivery operation to match with default delivery operation；Step
104, when the judgment result is yes, if getting correctly payment key, respond the payment request；Otherwise, described in refusal
Payment request.
In the technical scheme, due to must just be inputted before input correctly payment key to successfully complete payment
The default delivery operation that legitimate user pre-sets, only legitimate user know, therefore, when terminal monitoring to Alipay, each
When the payment request that the application programs such as kind payment wallet, bank client receive, if judgement is got and default delivery operation
The target delivery operation to match can then primarily determine that the sender of payment request is legitimate user, then can further really
The fixed correctly payment key that whether gets will respond the payment and ask if so, may further determine that is legitimate user
It asks, so that legitimate user successfully completes payment；Otherwise, if receiving the payment key of mistake, illustrate the sending of payment request
Person still may be illegal user, then refuses the payment request, so that illegal user can not successfully complete payment, in the technical side
In case, legitimate user is when successfully completing payment, it is only necessary to and it inputs target delivery operation and correctly pays key, and nothing
Terminal need to be made to acquire the biological informations such as the fingerprint of itself, simple possible, and can substantially ensure payment safety, further
Safety of payment is improved, the payment experience of user is improved.Wherein, default delivery operation can be before user pays, in terminal
Any application program in any habitual delivery operation for recording legitimate user's success is assisted with preliminary identification user identity
Payment is completed, such as: then default delivery operation can delete to open two characters of notepad input, dial 10086 and protect
It holds call 15 seconds or enters short message interface and create a short message and save to draft.
In the above-mentioned technical solutions, it is preferable that when judging result is that the target delivery operation has not been obtained, refuse institute
State payment request；And when judging result is that the target delivery operation has not been obtained, if getting correctly payment key,
Standby signal is issued, then to prompt the payment wrong cipher key.
In the technical scheme, when target delivery operation has not been obtained in terminal, then payment request can be primarily determined
Sender is illegal user, then can refuse the payment request, so that illegal user can not successfully complete payment；In addition, if working as
Target delivery operation has not been obtained in terminal, and receives correctly payment key, then illustrates that terminal may be stolen by illegal user
And the illegal user just knows to pay key, then illegal user successfully completes payment in order to prevent, and terminal still can be mentioned constantly
Show that user pays wrong cipher key, further, when the number that payment key is continuously considered mistake reaches the errors number upper limit such as 3
When secondary, it might even be possible to the accounts such as the corresponding Alipay account of payment request, bank card account number are locked, so that illegal user can not be after
Continuous input payment request, to substantially ensure that only legitimate user could successfully complete payment at the terminal.
In the above-mentioned technical solutions, it is preferable that described to judge whether to get the target to match with default delivery operation
Delivery operation specifically includes: judging whether the terminal is back to interface of main menu, and reenters specified application and institute
State whether specified application receives the target delivery operation.
In the technical scheme, judging whether terminal gets the detailed process of target delivery operation can be with are as follows: works as terminal
When payment key input interface corresponding into payment request, judge whether user clicks home key, so that terminal returns to entree
Single interface, and specified application is reentered, target delivery operation is inputted to specified application, such as: when default payment
Operation are as follows: when opening two characters of notepad input and then deleting, terminal is when receiving the payment request that Alipay is got, just
User should be judged when entering the key payment interface of Alipay, if home key is clicked, terminal is made to return to interface of main menu,
And notepad application is reentered, two characters, which are inputted, to notepad application then deletes.
In the above-mentioned technical solutions, it is preferable that further include: according to the store command received, the default payment is grasped
Make and carry out corresponding storage with the payment application for receiving the payment request, in the terminal monitoring to the payment
When the payment request that application program receives, start to judge whether to get the target delivery operation.
In the technical scheme, by by different default delivery operations and receiving the different payment applications of payment request
Program carries out corresponding storage, such as: by Alipay application program with open dial and input that several stationary digitals are corresponding to be stored, with
Dial will be opened and input default delivery operation of several stationary digitals as Alipay application program, by Baidu's wallet application journey
Sequence storage corresponding with a certain addressee is inputted in mailbox application program, will input a certain addressee in mailbox application program
As the default delivery operation of Baidu's wallet application, in this way, getting the reception of some payment application convenient for terminal
When the payment request arrived, locking default delivery operation corresponding with the payment application for receiving payment request rapidly, and it is fast
Speed and accurately user's delivery operation currently entered whether be that default delivery operation with the payment application matches
Target delivery operation, and accurately tentatively judge whether the sender of payment request is legitimate user according to judging result, certainly,
The technical solution can also make default delivery operation more abundant, prevent because default delivery operation is single, and can prevent non-
After method user knows unintentionally the default delivery operation of legitimate user's setting, it is greatly reduced various in legitimate user's terminal
The safety of payment of account.
In the above-mentioned technical solutions, it is preferable that further include: the default delivery operation is updated when the terminal receives
When instruction, judge whether to get the target identities identification information to match with default identity identification information；It is in judging result
When being, allow to update the default delivery operation, otherwise, forbids updating the default delivery operation.
In the technical scheme, it when terminal receives the instruction for updating default delivery operation, is obtained by judging whether
It, can be true to the target identities identification information to match with default identity identification information (i.e. the identity identification information of legitimate user)
Protect and only have legitimate user that can just update the default delivery operation, even and if illegal user usurps the terminal of legitimate user, also without
Method updates the default delivery operation, this is conducive to the safety of payment for further increasing the various accounts of legitimate user at the terminal.
Fig. 2 shows the structural schematic diagrams of the processing unit of payment request according to an embodiment of the invention.
As shown in Fig. 2, showing the processing unit 200 of the payment request of one embodiment of the present of invention, comprising: judgement is single
Member 202 judges whether to get the target payment behaviour to match with default delivery operation when terminal monitoring arrives payment request
Make；Processing unit 204 if getting correctly payment key, responds the payment request when the judgment result is yes；It is no
Then, refuse the payment request.
In the technical scheme, due to must just be inputted before input correctly payment key to successfully complete payment
The default delivery operation that legitimate user pre-sets, only legitimate user know, therefore, when terminal monitoring to Alipay, each
When the payment request that the application programs such as kind payment wallet, bank client receive, if judgement is got and default delivery operation
The target delivery operation to match can then primarily determine that the sender of payment request is legitimate user, then can further really
The fixed correctly payment key that whether gets will respond the payment and ask if so, may further determine that is legitimate user
It asks, so that legitimate user successfully completes payment；Otherwise, if receiving the payment key of mistake, illustrate the sending of payment request
Person still may be illegal user, then refuses the payment request, so that illegal user can not successfully complete payment, in the technical side
In case, legitimate user is when successfully completing payment, it is only necessary to and it inputs target delivery operation and correctly pays key, and nothing
Terminal need to be made to acquire the biological informations such as the fingerprint of itself, simple possible, and can substantially ensure payment safety, further
Safety of payment is improved, the payment experience of user is improved.Wherein, default delivery operation can be before user pays, in terminal
Any application program in any habitual delivery operation for recording legitimate user's success is assisted with preliminary identification user identity
Payment is completed, such as: then default delivery operation can delete to open two characters of notepad input, dial 10086 and protect
It holds call 15 seconds or enters short message interface and create a short message and save to draft.
In the above-mentioned technical solutions, it is preferable that the processing unit 204 is also used to: in judging result to have not been obtained
When stating target delivery operation, refuse the payment request；And when judging result is that the target delivery operation has not been obtained,
If getting correctly payment key, standby signal is issued, to prompt the payment wrong cipher key.
In the technical scheme, when target delivery operation has not been obtained in terminal, then payment request can be primarily determined
Sender is illegal user, then can refuse the payment request, so that illegal user can not successfully complete payment；In addition, if working as
Target delivery operation has not been obtained in terminal, and receives correctly payment key, then illustrates that terminal may be stolen by illegal user
And the illegal user just knows to pay key, then illegal user successfully completes payment in order to prevent, and terminal still can be mentioned constantly
Show that user pays wrong cipher key, further, when the number that payment key is continuously considered mistake reaches the errors number upper limit such as 3
When secondary, it might even be possible to the accounts such as the corresponding Alipay account of payment request, bank card account number are locked, so that illegal user can not be after
Continuous input payment request, to substantially ensure that only legitimate user could successfully complete payment at the terminal.
In the above-mentioned technical solutions, it is preferable that the judging unit 202 is specifically used for: judging whether the terminal returns
To interface of main menu, and reenter specified application and whether the specified application receives the target payment behaviour
Make.
In the technical scheme, judging whether terminal gets the detailed process of target delivery operation can be with are as follows: works as terminal
When payment key input interface corresponding into payment request, judge whether user clicks home key, so that terminal returns to entree
Single interface, and specified application is reentered, target delivery operation is inputted to specified application, such as: when default payment
Operation are as follows: when opening two characters of notepad input and then deleting, terminal is when receiving the payment request that Alipay is got, just
User should be judged when entering the key payment interface of Alipay, if home key is clicked, terminal is made to return to interface of main menu,
And notepad application is reentered, two characters, which are inputted, to notepad application then deletes.
In the above-mentioned technical solutions, it is preferable that further include: storage unit 206, according to the store command received, by institute
It states default delivery operation and carries out corresponding storage with the payment application for receiving the payment request, to be supervised in the terminal
When hearing the payment request that the payment application receives, start to judge whether to get the target payment behaviour
Make.
In the technical scheme, by by different default delivery operations and receiving the different payment applications of payment request
Program carries out corresponding storage, such as: by Alipay application program with open dial and input that several stationary digitals are corresponding to be stored, with
Dial will be opened and input default delivery operation of several stationary digitals as Alipay application program, by Baidu's wallet application journey
Sequence storage corresponding with a certain addressee is inputted in mailbox application program, will input a certain addressee in mailbox application program
As the default delivery operation of Baidu's wallet application, in this way, getting the reception of some payment application convenient for terminal
When the payment request arrived, locking default delivery operation corresponding with the payment application for receiving payment request rapidly, and it is fast
Speed and accurately user's delivery operation currently entered whether be that default delivery operation with the payment application matches
Target delivery operation, and accurately tentatively judge whether the sender of payment request is legitimate user according to judging result, certainly,
The technical solution can also make default delivery operation more abundant, prevent because default delivery operation is single, and can prevent non-
After method user knows unintentionally the default delivery operation of legitimate user's setting, it is greatly reduced various in legitimate user's terminal
The safety of payment of account.
In the above-mentioned technical solutions, it is preferable that the judging unit 202 is also used to: updating institute when the terminal receives
When stating the instruction of default delivery operation, judge whether that getting the target identities identification to match with default identity identification information believes
Breath；And the processing unit 204 is also used to: when the judgment result is yes, allow to update the default delivery operation, otherwise,
Forbid updating the default delivery operation.
In the technical scheme, it when terminal receives the instruction for updating default delivery operation, is obtained by judging whether
It, can be true to the target identities identification information to match with default identity identification information (i.e. the identity identification information of legitimate user)
Protect and only have legitimate user that can just update the default delivery operation, even and if illegal user usurps the terminal of legitimate user, also without
Method updates the default delivery operation, this is conducive to the safety of payment for further increasing the various accounts of legitimate user at the terminal.
Fig. 3 shows the structural schematic diagram of terminal according to an embodiment of the invention.
As shown in figure 3, showing the terminal 300 of one embodiment of the present of invention, comprising: as any in above-mentioned technical proposal
The processing unit 200 of payment request described in.
In the technical scheme, by the way that the processing unit 200 of payment request is arranged in terminal 300, one kind can be passed through
The payment scheme of simple possible and safety, that is, can be sufficiently ensured the payment safety of user, further increase safety of payment, improve
The payment of user is experienced.
Fig. 4 shows the setting procedure schematic diagram of default delivery operation according to an embodiment of the invention.
As shown in figure 4, showing the setting method of the default delivery operation of one embodiment of the present of invention, comprising:
Step 402, personal " payment habit " i.e. default delivery operation is recorded into system, " payment habit " is exactly to input
The sequence of operations that user executes before payment cipher and/or payment code, such as: several fixed characters of opening notepad input,
Dial is opened to input several stationary digitals, dial 10086 and continue 30 seconds etc., should " payment habit " be have it is very concealed
Personal behavior, the feature without password, because without being concerned, even if password and mobile phone are all stolen, illegal user is not because
Know these very hidden " payment habits ", thus, payment and transfer procedure are still unable to complete, this is conducive to increase account
Safety；
Step 404, " payment is accustomed to " that records is uploaded into cruel cloud, and saved；
Step 406, terminal receives the instruction of change " payment habit "；
Step 408, personal verification is carried out；
Step 410, after personal verification passes through, i.e., after verifying is legitimate user, legitimate user is allowed to change " payment
Habit ", and " payment is accustomed to " after change is uploaded into cruel cloud, and save.
Fig. 5 shows the call flow schematic diagram of default delivery operation according to an embodiment of the invention.
As shown in figure 5, showing the call method of the default delivery operation of one embodiment of the present of invention, comprising:
Step 502, detect mobile phone terminal have financial payment class app (such as: Alipay, bank client, stock exchange visitor
The banking softwares such as family end).
Step 504, run " payment habit " service.
Step 506, real-time monitoring, until there is the interface of input password.
Step 508, call default " payment habit ", in order to judge user's input delivery operation whether with it is preset
" payment habit " matches.
Fig. 6 shows the flow diagram of the processing method of payment request according to another embodiment of the invention.
As shown in fig. 6, showing the processing method of the payment request of another embodiment of the invention, comprising:
Step 602, the interface of payment application pop-up input password.
Step 604, legitimate user presses home key and exits.
Step 606, " payment habit " that legitimate user set before executing, for example, opening notepad inputs two words
It accords with and then deletes, dial 10086 and keep call 15 seconds or enter the newly-built short message in short message interface and save to rough draft, it is legal
The imagination and intention that user can play oneself carry out sets itself and " should pay habit ".
Step 608, it is again introduced into input cryptographic interface, legitimate user inputs proper password and completes payment.
Step 610, user directly inputs correctly or incorrectly password.
Step 612, terminal notifying Password Input mistake, and password continuous operation is three times, reaches Password Input upper error limit.
Step 614, terminal locks account, such as: mobile phone goes adrift, and thief just knows proper password, but
It is that thief inputs proper password according to normal mode at this time when transferring accounts, because being not carried out the operation of " payment habit ",
So terminal still can prompt cipher mistake, lock an account until malfunctioning three times, at this time account just safety.
The technical scheme of the present invention has been explained in detail above with reference to the attached drawings, can and designing a kind of simple possible safety
Payment scheme, that is, can be sufficiently ensured the payment safety of user, further increase safety of payment, improve the payment body of user
It tests.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, for the skill of this field
For art personnel, the invention may be variously modified and varied.All within the spirits and principles of the present invention, made any to repair
Change, equivalent replacement, improvement etc., should all be included in the protection scope of the present invention.
Claims (11)
1. a kind of processing method of payment request characterized by comprising
When terminal monitoring is to payment request, judge whether to get the target delivery operation to match with default delivery operation；
When the judgment result is yes, if getting correctly payment key, the payment request is responded；
When judging result is that the target delivery operation has not been obtained, refuse the payment request；
Wherein, default delivery operation is any habituation recorded in any application program of terminal before user pays
Delivery operation.
2. the processing method of payment request according to claim 1, which is characterized in that further include:
When judging result is that the target delivery operation has not been obtained, if getting correctly payment key, prompt is issued
Signal, to prompt the payment wrong cipher key.
3. the processing method of payment request according to claim 1, which is characterized in that
It is described to judge whether to get the target delivery operation to match with default delivery operation, it specifically includes:
Judge whether the terminal is back to interface of main menu, and reenters specified application and the specified application
Whether the target delivery operation is received.
4. the processing method of payment request according to claim 1, which is characterized in that further include:
According to the store command received, by the default delivery operation and with the payment application journey that receives the payment request
Sequence carries out corresponding storage, with received in the terminal monitoring to the payment application the payment request when, beginning
Judge whether to get the target delivery operation.
5. the processing method of payment request according to any one of claim 1 to 4, which is characterized in that further include:
When the terminal receives the instruction for updating the default delivery operation, judge whether to get and default identification
The target identities identification information that information matches；
When the judgment result is yes, allow to update the default delivery operation, otherwise, forbid updating the default delivery operation.
6. a kind of processing unit of payment request characterized by comprising
Judging unit judges whether to get the target to match with default delivery operation when terminal monitoring is to payment request
Delivery operation；
Processing unit if getting correctly payment key, responds the payment request when the judgment result is yes；Sentencing
Disconnected result is when the target delivery operation has not been obtained, to refuse the payment request；
Wherein, default delivery operation is any habituation recorded in any application program of terminal before user pays
Delivery operation.
7. the processing unit of payment request according to claim 6, which is characterized in that
The processing unit is also used to:
When judging result is that the target delivery operation has not been obtained, if getting correctly payment key, prompt is issued
Signal, to prompt the payment wrong cipher key.
8. the processing unit of payment request according to claim 6, which is characterized in that
The judging unit is specifically used for:
Judge whether the terminal is back to interface of main menu, and reenters specified application and the specified application
Whether the target delivery operation is received.
9. the processing unit of payment request according to claim 6, which is characterized in that further include:
Storage unit, according to the store command received, by the default delivery operation and with receive the payment request
Payment application carries out corresponding storage, is asked with the payment received in the terminal monitoring to the payment application
When asking, start to judge whether to get the target delivery operation.
10. the processing unit of payment request according to any one of claims 6 to 9, which is characterized in that
The judging unit is also used to:
When the terminal receives the instruction for updating the default delivery operation, judge whether to get and default identification
The target identities identification information that information matches；And
The processing unit is also used to:
When the judgment result is yes, allow to update the default delivery operation, otherwise, forbid updating the default delivery operation.
11. a kind of terminal characterized by comprising the processing of the payment request as described in any one of claim 6 to 10 fills
It sets.
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| CN201510191901.8A CN105634739B (en) | 2015-04-21 | 2015-04-21 | The processing method of payment request, the processing unit of payment request and terminal |
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