CN105654283A - Safety payment method and apparatus thereof - Google Patents
Safety payment method and apparatus thereof Download PDFInfo
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- CN105654283A CN105654283A CN201510186183.5A CN201510186183A CN105654283A CN 105654283 A CN105654283 A CN 105654283A CN 201510186183 A CN201510186183 A CN 201510186183A CN 105654283 A CN105654283 A CN 105654283A
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- mobile terminal
- payment instrument
- payment
- identification information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- General Business, Economics & Management (AREA)
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Abstract
The invention provides a safety payment method and an apparatus thereof. The method is characterized by based on a distance between a mobile terminal and a payment tool bound with the mobile terminal, determining whether the distance between the mobile terminal and the payment tool is in a preset distance scope; when the distance between the mobile terminal and the payment tool is in the preset distance scope, allowing to execute a payment operation; and when the distance between the mobile terminal and the payment tool is not in the preset distance scope, stopping the payment operation. When the payment tool is stolen, before paying, the distance between the mobile terminal and the payment tool may not be in the preset distance scope, at this time, the payment operation can be stopped so that the stolen payment tool can not complete the payment operation. A possibility for swiping the payment tool in an unauthorized state is reduced and payment safety is increased.
Description
Technical field
The present invention relates to communication technical field, more specifically, it relates to a kind of safe payment method and device.
Background technology
Current user is the payment cipher by inputting the payment devices such as credit card or bank card when carrying out paying under line, then deducts corresponding expense from payment devices. And in order to enable user know consumption situation in time, pay after successfully under online, by the server of credit card issuer, identification information is sent to the mobile terminal associated by holder in the way of pushing note, to notify that holder completes this payment transaction.
Being push note after completing payment transaction to, on the mobile terminal associated by holder, pushing the opportunity being later than payment transaction opportunity of note due to the server of credit card issuer, institute cannot stop the generation of robber's brush phenomenon by this way.
Summary of the invention
In view of this, the present invention provides a kind of safe payment method and device, for improve payment security to reduce the possibility of the stolen brush of payment instrument.
In order to realize above-mentioned purpose, the present invention provides following technical scheme:
The present invention provides a kind of safe payment method, and described method comprises:
Obtain the distance between mobile terminal and the payment instrument of described mobile terminal binding;
Determine the distance between the payment instrument of described mobile terminal and described mobile terminal binding whether within the scope of predeterminable range;
When distance between described mobile terminal and described payment instrument is within the scope of predeterminable range, allow to perform delivery operation;
When distance between described mobile terminal and described payment instrument is not within the scope of predeterminable range, terminate delivery operation.
Preferably, described method also comprises: by the payment instrument in the near-field communication module scanning preset range on described mobile terminal, obtain the identification information of the payment instrument in described preset range;
The identification information of the described identification information obtained with registration on described mobile terminal is mated, obtains the described payment instrument that identification information is corresponding with the identification information of registration on described mobile terminal;
The described payment instrument and the described mobile terminals that obtain coupling are bound.
Preferably, described method also comprises: the identification information obtaining the described payment instrument that user manually inputs on the mobile terminal;
Payment instrument corresponding for described identification information and described mobile terminal are bound.
Preferably, described method also comprises: pre-set the time range allowing to perform delivery operation, so that terminating delivery operation when the payment moment is not in time range.
Preferably, when described distance between described mobile terminal and described payment instrument is within the scope of predeterminable range, allows to perform delivery operation and comprise:
Distance between described mobile terminal and described payment instrument is within the scope of predeterminable range, and when the payment moment is in time range, allows to perform delivery operation.
The present invention provides a kind of secure payment device, and described device comprises:
Acquiring unit, for the distance obtained between the payment instrument of mobile terminal and described mobile terminal binding;
Whether determining unit, for the distance determined between the payment instrument of described mobile terminal and described mobile terminal binding within the scope of predeterminable range;
First control unit, during for the distance between described mobile terminal and described payment instrument within the scope of predeterminable range, allows to perform delivery operation;
2nd control unit, during for the distance between described mobile terminal and described payment instrument not within the scope of predeterminable range, terminates delivery operation.
Preferably, described device also comprises: information obtainment unit, for by the payment instrument in the near-field communication module scanning preset range on described mobile terminal, obtaining the identification information of the payment instrument in described preset range;
Matching unit, for being mated by the identification information of the described identification information obtained with registration on described mobile terminal, obtains the described payment instrument that identification information is corresponding with the identification information of registration on described mobile terminal;
First binding unit, described payment instrument and described mobile terminal for coupling being obtained are bound.
Preferably, described device also comprises: obtaining unit, for obtaining the identification information of the described payment instrument that user manually inputs on the mobile terminal;
2nd binding unit, for binding payment instrument corresponding for described identification information and described mobile terminal.
Preferably, described device also comprises: setting unit, for pre-setting the time range allowing to perform delivery operation, so that terminating delivery operation when the payment moment is not in time range.
Preferably, described first control unit within the scope of predeterminable range, and pays the moment when being in time range specifically for: the distance between described mobile terminal and described payment instrument, allows to perform delivery operation.
Compared with prior art, the advantage of the present invention is as follows:
Technique scheme provided by the invention, determine that both distances are whether within the scope of predeterminable range based on the distance between mobile terminal and the payment instrument of mobile terminal binding, when distance between mobile terminal and payment instrument is within the scope of predeterminable range, allow to perform delivery operation; When distance between mobile terminal and payment instrument is not within the scope of predeterminable range, terminate delivery operation. Like this after the instrument of payment is stolen, can determine that before payment the distance between mobile terminal and payment instrument may not within the scope of predeterminable range, now then can terminate delivery operation, make stolen payment instrument cannot complete delivery operation, thus reduce the possibility of the stolen brush of payment instrument, it is to increase the security of payment.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, it is 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 embodiments of the invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, it is also possible to obtain other accompanying drawing according to the accompanying drawing provided.
A kind of schema of the safe payment method that Fig. 1 provides for the embodiment of the present invention;
Another kind of schema of the safe payment method that Fig. 2 provides for the embodiment of the present invention;
Another schema of the safe payment method that Fig. 3 provides for the embodiment of the present invention;
A kind of structural representation of the secure payment device that Fig. 4 provides for the embodiment of the present invention;
Another kind of structural representation of the secure payment device that Fig. 5 provides for the embodiment of the present invention.
Embodiment
In order to make those skilled in the art understand the embodiment of the present invention better, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments. Based on the embodiment in the present invention, those of ordinary skill in the art, not making other embodiments all obtained under creative work prerequisite, belong to the scope of protection of the invention.
Refer to Fig. 1, it illustrates a kind of schema of the safe payment method that the embodiment of the present invention provides, it is possible to comprise the following steps:
101: obtain the distance between mobile terminal and the payment instrument of mobile terminal binding. Distance between the payment instrument of mobile terminal and mobile terminal binding can show that whether payment instrument is away from mobile terminal in embodiments of the present invention, namely shows that whether payment instrument is stolen.
In embodiments of the present invention, obtaining the distance between mobile terminal and payment instrument can by the NFC (NearFieldCommunication of mobile terminal, near-field communication) module obtains, detailed process is: can be scanned in communication range at it by the NFC module of mobile terminal, with obtain its can payment instrument in communication range to the distance of mobile terminal.
Another kind of feasible pattern is then that the second position information that can obtain the first location information of mobile terminal and the payment instrument of its binding respectively obtains. Wherein first location information is for representing current time mobile terminal geographic location, GPS (GlobalPositioningSystem, global positioning system (GPS)), internet can be passed through in embodiments of the present invention and determine, with the method such as the base station of communication of mobile terminal, the geographical position that mobile terminal is currently residing.
Payment instrument can be user's common tool such as credit card and bank card, and for representing, current time pays instrument geographic location to second position information. When payment instrument carries out delivery operation in a certain payment terminal, it is possible to upload the second position information of positional information as the instrument of payment of self by payment terminal.
It should be noted is that here: the payment instrument that user commonly uses may have multiple, in embodiments of the present invention, second position information is certain positional information paying instrument bound with mobile terminal in the payment instrument commonly used with user. The payment instrument that such as user commonly uses comprises: pays instrument A and pays instrument B, and pay instrument A and mobile terminal binding, therefore when paying instrument A and use in a certain payment terminal, payment terminal uploads the positional information of self as the second position information paying instrument A, and when payment instrument B uses in a certain payment terminal, payment terminal can not upload the positional information of self.
102: determine the distance between the payment instrument of mobile terminal and mobile terminal binding whether within the scope of predeterminable range, if it is perform step 103, if otherwise performing step 104.
After the distance obtained between mobile terminal and payment instrument, itself and predeterminable range scope are compared the distance determined between mobile terminal and payment instrument whether within the scope of predeterminable range. Wherein predeterminable range scope is used to indicate mobile terminal and payment instrument is positioned at a certain geographical position range simultaneously, it represents that the distance between mobile terminal and payment instrument is less, the situation that any one party in mobile terminal and payment instrument is stolen can be got rid of like this, because after any one party is stolen, the distance between mobile terminal and payment instrument certainly will not within the scope of predeterminable range.
In embodiments of the present invention, predeterminable range scope can by when the payment instrument bound pays, the distance between the payment instrument of mobile terminal and binding carries out statistics and obtains, and its concrete value embodiment of the present invention is not limited. Certain embodiment of the present invention can also arrange different predeterminable range scopes for dissimilar user, such as, arrange different predeterminable range scopes respectively for female consumer and male sex human consumer.
103: when the distance between mobile terminal and payment instrument is within the scope of predeterminable range, allow to perform delivery operation. It is understandable that, when distance between mobile terminal and payment instrument is within the scope of predeterminable range, showing that current time mobile terminal and payment instrument are positioned at a certain geographical position range simultaneously, its corresponding delivery operation is legal operation, now can allow to perform delivery operation.
104: when the distance between mobile terminal and payment instrument is not within the scope of predeterminable range, terminate delivery operation. When distance between mobile terminal and payment instrument is not within the scope of predeterminable range, show that current time mobile terminal or the stolen possibility of payment instrument are bigger, then determine that delivery operation now is likely illegal operation further, then terminate delivery operation, the possibility of the stolen brush of payment instrument can be reduced like this.
As can be seen from technique scheme, determine that both distances are whether within the scope of predeterminable range based on the distance between mobile terminal and the payment instrument of mobile terminal binding, when distance between mobile terminal and payment instrument is within the scope of predeterminable range, allow to perform delivery operation; When distance between mobile terminal and payment instrument is not within the scope of predeterminable range, terminate delivery operation. Like this after the instrument of payment is stolen, can determine that before payment the distance between mobile terminal and payment instrument may not within the scope of predeterminable range, now then can terminate delivery operation, make stolen payment instrument cannot complete delivery operation, thus reduce the possibility of the stolen brush of payment instrument, it is to increase the security of payment.
It should be noted is that here, the safe payment method that the embodiment of the present invention provides can be applied to mobile terminal or be arranged in the server at Unionpay's transaction center, when it is applied to mobile terminal, corresponding execution process is: first mobile terminal obtain self and and the payment instrument of its binding between distance; Secondly mobile terminal determines the distance between mobile terminal and payment instrument whether within the scope of predeterminable range, if it does, then operate the first legal response information to server transmission, makes server allow payment terminal to perform delivery operation; If not, then operating the 2nd illegal response information to server transmission, such server then indicates payment terminal to terminate delivery operation. Wherein mobile terminal obtain self and and the payment instrument of its binding between the mode of distance can be: obtained by the NFC module of mobile terminal, or mobile terminal determines the first location information of self by GPS or interconnected network mode, and by obtaining the second position information of payment instrument of the mobile terminal binding that payment terminal reports with Unionpay the conclude the business server communication at center, obtain the distance between mobile terminal and the payment instrument of mobile terminal binding based on first location information and second position information.
When safe payment method is applied in the server at Unionpay's transaction center, its execution process is: first server obtains the distance between mobile terminal and the payment instrument of mobile terminal binding; Secondly server determines the distance between mobile terminal and payment instrument whether within the scope of predeterminable range, if it does, then allow payment terminal to perform delivery operation; If not, then payment terminal is indicated to terminate delivery operation. When distance between mobile terminal and payment instrument is within the scope of predeterminable range further, server can also send instruction of reporting to the police to remind user to mobile terminal. Wherein server obtains the mode of the distance between mobile terminal and the payment instrument of mobile terminal binding and can be: the distance between mobile terminal that is that mobile terminal receive reports and that obtained by NFC module and the payment instrument of mobile terminal binding; Or the second position information that the first location information that reports of mobile terminal receive and payment terminal report, obtain the distance between mobile terminal and the payment instrument of mobile terminal binding based on first location information and second position information.
Refer to Fig. 2, it illustrates another kind of schema of the safe payment method that the embodiment of the present invention provides, on Fig. 1 basis, it is also possible to comprise the following steps:
105: by the payment instrument in NFC (NearFieldCommunication, near-field communication) the module scans preset range on mobile terminal, obtain the identification information of the payment instrument in preset range. Owing to NFC module is a near-field communication module, its communication range is less, therefore in embodiments of the present invention preset range can be centered by mobile terminal more among a small circle in, such as indicate user and carry mobile terminal and the scope of the instrument of payment simultaneously, the identification information of the payment instrument in preset range can be got like this by NFC module.
The identification information wherein paying instrument is the information carrying out distinguishing for difference pays instrument, it can be the card number information of payment instrument, and each credit card issuer is for distributing an identifier to distinguish different payment instruments for payment instrument when user sends out payment instrument certainly.
106: the identification information of the identification information obtained with registration on mobile terminal is mated, obtains the payment instrument that identification information is corresponding with the identification information of registration on mobile terminal.
In embodiments of the present invention, on mobile terminal, the identification information of registration is certain identification information paying instrument that user is manually input on mobile terminal and often uses. After the identification information of the payment instrument obtained in preset range, identification information on itself and mobile terminal is compared, namely can obtaining the payment instrument that identification information is corresponding with the identification information of registration on mobile terminal, this payment instrument is then the payment instrument needing to carry out with mobile terminal binding.
Mobile terminal wherein can also be registered multiple identification information simultaneously, mate carrying out binding the identification information that move terminal can obtain current time user selected on mobile terminals, such as, on mobile terminal, registration has identification information 1 and identification information 2, have selected identification information 1 tying up timing determination user, identification information 1 then can be used to mate, the payment instrument carried with and mobile terminal can be bound by such user, and after completing delivery operation, it is possible to the payment instrument of binding and mobile terminal are carried out solution and ties up. Follow-up when using payment instrument to pay, it is possible to reselect the payment instrument of binding.
107: the payment instrument and the mobile terminals that obtain coupling are bound, it is achieved pay the automatic binding of instrument and mobile terminal. Follow-up only allow the payment instrument with mobile terminal binding can perform delivery operation when paying, other not delivery operation with the payment instrument of mobile terminal binding be considered as illegal operation.
Certainly except above-mentioned automatic binding mode, the embodiment of the present invention can also adopt manual binding mode, as obtained the identification information of the payment instrument that user manually inputs on mobile terminals, payment instrument corresponding for identification information and mobile terminal is bound. When adopting manual binding mode, first each image paying instrument can be obtained by the shooting device of mobile terminal, when binding, each image paying instrument is supplied to user to select for user, by the identification information of the payment instrument manually inputted on customer mobile terminal after selecting certain payment instrument, then payment instrument corresponding for identification information and mobile terminal are bound.
In addition the shopping-time of user generally has certain regularity, and as somebody likes shopping at weekend to pay, somebody likes stroll market shopping etc. evening. Therefore, the method that the embodiment of the present invention provides can also comprise: pre-sets the time range allowing to perform delivery operation, it is engraved in time range to carry out paying when only paying and just can be allowed to, when the payment moment is not in time range like this, then can terminate delivery operation. If current time is not in preset time range, then cannot carry out mobile payment, specifically can consult shown in Fig. 3, it is possible to comprise the following steps:
108: pre-set the time range allowing to perform delivery operation.
101: obtain the distance between mobile terminal and the payment instrument of mobile terminal binding.
109: determine the distance between mobile terminal and payment instrument whether within the scope of predeterminable range, if it is perform step 110, if otherwise performing step 112.
110: judge to pay the moment whether in time range, if it is perform step 111, if otherwise performing step 112.
111: the distance between mobile terminal and payment instrument is within the scope of predeterminable range, and when the payment moment is in time range, allows to perform delivery operation.
112: terminate delivery operation.
Corresponding with aforesaid method embodiment, the embodiment of the present invention also provides a kind of secure payment device, and its structural representation refers to shown in Fig. 4, it is possible to comprising: acquiring unit 11, determining unit 12, first control unit 13 and the 2nd control unit 14.
Acquiring unit 11, for the distance obtained between the payment instrument of mobile terminal and mobile terminal binding.
Distance between the payment instrument of mobile terminal and mobile terminal binding can show that whether payment instrument is away from mobile terminal in embodiments of the present invention, namely shows that whether payment instrument is stolen.
In embodiments of the present invention, obtaining the distance between mobile terminal and payment instrument can by the NFC (NearFieldCommunication of mobile terminal, near-field communication) module obtains, detailed process is: can be scanned in communication range at it by the NFC module of mobile terminal, with obtain its can payment instrument in communication range to the distance of mobile terminal.
Another kind of feasible pattern is then that the second position information that can obtain the first location information of mobile terminal and the payment instrument of its binding respectively obtains. Wherein first location information is for representing current time mobile terminal geographic location, by GPS, internet and can determine, with the method such as the base station of communication of mobile terminal, the geographical position that mobile terminal is currently residing in embodiments of the present invention.
Payment instrument can be user's common tool such as credit card and bank card, and for representing, current time pays instrument geographic location to second position information. When payment instrument carries out delivery operation in a certain payment terminal, it is possible to upload the second position information of positional information as the instrument of payment of self by payment terminal.
It should be noted is that here: the payment instrument that user commonly uses may have multiple, in embodiments of the present invention, second position information is certain positional information paying instrument bound with mobile terminal in the payment instrument commonly used with user. The payment instrument that such as user commonly uses comprises: pays instrument A and pays instrument B, and pay instrument A and mobile terminal binding, therefore when paying instrument A and use in a certain payment terminal, payment terminal uploads the positional information of self as the second position information paying instrument A, and when payment instrument B uses in a certain payment terminal, payment terminal can not upload the positional information of self.
Whether determining unit 12, for the distance determined between the payment instrument of mobile terminal and mobile terminal binding within the scope of predeterminable range. After the distance obtained between mobile terminal and payment instrument, itself and predeterminable range scope are compared the distance determined between mobile terminal and payment instrument whether within the scope of predeterminable range.
Wherein predeterminable range scope is used to indicate mobile terminal and payment instrument is positioned at a certain geographical position range simultaneously, it represents that the distance between mobile terminal and payment instrument is less, the situation that any one party in mobile terminal and payment instrument is stolen can be got rid of like this, because after any one party is stolen, the distance between mobile terminal and payment instrument certainly will not within the scope of predeterminable range.
In embodiments of the present invention, predeterminable range scope can by when the payment instrument bound pays, the distance between the payment instrument of mobile terminal and binding carries out statistics and obtains, and its concrete value embodiment of the present invention is not limited. Certain embodiment of the present invention can also arrange different predeterminable range scopes for dissimilar user, such as, arrange different predeterminable range scopes respectively for female consumer and male sex human consumer.
First control unit 13, during for the distance between mobile terminal and payment instrument within the scope of predeterminable range, allows to perform delivery operation. It is understandable that, when distance between mobile terminal and payment instrument is within the scope of predeterminable range, showing that current time mobile terminal and payment instrument are positioned at a certain geographical position range simultaneously, its corresponding delivery operation is legal operation, now can allow to perform delivery operation.
2nd control unit 14, during for the distance between mobile terminal and payment instrument not within the scope of predeterminable range, terminates delivery operation. When distance between mobile terminal and payment instrument is not within the scope of predeterminable range, show that current time mobile terminal or the stolen possibility of payment instrument are bigger, then determine that delivery operation now is likely illegal operation further, then terminate delivery operation, the possibility of the stolen brush of payment instrument can be reduced like this.
As can be seen from technique scheme, determine that both distances are whether within the scope of predeterminable range based on the distance between mobile terminal and the payment instrument of mobile terminal binding, when distance between mobile terminal and payment instrument is within the scope of predeterminable range, allow to perform delivery operation; When distance between mobile terminal and payment instrument is not within the scope of predeterminable range, terminate delivery operation. Like this after the instrument of payment is stolen, can determine that before payment the distance between mobile terminal and payment instrument may not within the scope of predeterminable range, now then can terminate delivery operation, make stolen payment instrument cannot complete delivery operation, thus reduce the possibility of the stolen brush of payment instrument, it is to increase the security of payment.
It should be noted is that here, the secure payment device that the embodiment of the present invention provides can be applied to mobile terminal or be arranged in the server at Unionpay's transaction center, its detailed process can explanation in aforesaid method embodiment, this embodiment of the present invention is no longer set forth.
Refer to Fig. 5, it illustrates another kind of structural representation of the secure payment device that the embodiment of the present invention provides, Fig. 4 basis can also comprise: information obtainment unit 15, matching unit 16 and the first binding unit 17.
Information obtainment unit 15, for by the payment instrument in the near-field communication module scanning preset range on mobile terminal, obtaining the identification information of the payment instrument in preset range. Owing to NFC module is a near-field communication module, its communication range is less, therefore in embodiments of the present invention preset range can be centered by mobile terminal more among a small circle in, such as indicate user and carry mobile terminal and the scope of the instrument of payment simultaneously, the identification information of the payment instrument in preset range can be got like this by NFC module.
The identification information wherein paying instrument is the information carrying out distinguishing for difference pays instrument, it can be the card number information of payment instrument, and each credit card issuer is for distributing an identifier to distinguish different payment instruments for payment instrument when user sends out payment instrument certainly.
Matching unit 16, for being mated by the identification information of the identification information obtained with registration on mobile terminal, obtains the payment instrument that identification information is corresponding with the identification information of registration on mobile terminal. In embodiments of the present invention, on mobile terminal, the identification information of registration is certain identification information paying instrument that user is manually input on mobile terminal and often uses. After the identification information of the payment instrument obtained in preset range, identification information on itself and mobile terminal is compared, namely can obtaining the payment instrument that identification information is corresponding with the identification information of registration on mobile terminal, this payment instrument is then the payment instrument needing to carry out with mobile terminal binding.
Mobile terminal wherein can also be registered multiple identification information simultaneously, mate carrying out binding the identification information that move terminal can obtain current time user selected on mobile terminals, such as, on mobile terminal, registration has identification information 1 and identification information 2, have selected identification information 1 tying up timing determination user, identification information 1 then can be used to mate, the payment instrument carried with and mobile terminal can be bound by such user, and after completing delivery operation, it is possible to the payment instrument of binding and mobile terminal are carried out solution and ties up. Follow-up when using payment instrument to pay, it is possible to reselect the payment instrument of binding.
First binding unit 17, payment instrument and mobile terminal for coupling being obtained are bound, it is achieved pay the automatic binding of instrument and mobile terminal. Follow-up only allow the payment instrument with mobile terminal binding can perform delivery operation when paying, other not delivery operation with the payment instrument of mobile terminal binding be considered as illegal operation.
Certainly except above-mentioned automatic binding mode, the embodiment of the present invention can also adopt manual binding mode, on Fig. 4 basis, the secure payment device that the embodiment of the present invention provides can also comprise: obtaining unit, for obtaining the identification information of the payment instrument that user manually inputs on mobile terminals. 2nd binding unit, for binding payment instrument corresponding for identification information and mobile terminal.
When adopting manual binding mode, first each image paying instrument can be obtained by the shooting device of mobile terminal, when binding, each image paying instrument is supplied to user to select for user, by the identification information of the payment instrument manually inputted on customer mobile terminal after selecting certain payment instrument, then payment instrument corresponding for identification information and mobile terminal are bound.
In this external said apparatus embodiment, the secure payment device that the embodiment of the present invention provides can also comprise: setting unit, the time range allowing to perform delivery operation for pre-setting, the time range wherein arranged is the time with certain regularity that the shopping-time according to user obtains, such as weekend or evening. Corresponding first control unit 13 is for when distance between mobile terminal and payment instrument is within the scope of predeterminable range, and pays the moment when being in time range, allows to perform delivery operation. 2nd control unit then for the distance between mobile terminal and payment instrument not within the scope of predeterminable range or when the time of payment is not in time range, terminate delivery operation.
It should be noted that, each embodiment in this specification sheets all adopts the mode gone forward one by one to describe, each embodiment emphasis illustrate be 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 what describe is fairly simple, relevant part illustrates see the part of embodiment of the method.
Finally, also it should be noted that, herein, the such as relational terms of first and second grades and so on is only used for separating an entity or operation with another entity or operational zone, and not necessarily requires or imply to there is any this kind of actual relation or sequentially between these entities or operation. And, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, so that comprise the process of a series of key element, method, article or equipment not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise the key element intrinsic for this kind of process, method, article or equipment. When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the equipment comprising described key element and also there is other identical element.
To the above-mentioned explanation of the disclosed embodiments, those skilled in the art are enable to realize or use the present invention. To be apparent for a person skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein can without departing from the spirit or scope of the present invention, realize in other embodiments. Therefore, the present invention can not be limited in these embodiments shown in this article, but be met the widest scope consistent with principle disclosed herein and features of novelty.
Claims (10)
1. a safe payment method, it is characterised in that, described method comprises:
Obtain the distance between mobile terminal and the payment instrument of described mobile terminal binding;
Determine the distance between the payment instrument of described mobile terminal and described mobile terminal binding whether within the scope of predeterminable range;
When distance between described mobile terminal and described payment instrument is within the scope of predeterminable range, allow to perform delivery operation;
When distance between described mobile terminal and described payment instrument is not within the scope of predeterminable range, terminate delivery operation.
2. method according to claim 1, it is characterised in that, described method also comprises: by the payment instrument in the near-field communication module scanning preset range on described mobile terminal, obtain the identification information of the payment instrument in described preset range;
The identification information of the described identification information obtained with registration on described mobile terminal is mated, obtains the described payment instrument that identification information is corresponding with the identification information of registration on described mobile terminal;
The described payment instrument and the described mobile terminals that obtain coupling are bound.
3. method according to claim 1, it is characterised in that, described method also comprises: the identification information obtaining the described payment instrument that user manually inputs on the mobile terminal;
Payment instrument corresponding for described identification information and described mobile terminal are bound.
4. method according to claim 1, it is characterised in that, described method also comprises: pre-set the time range allowing to perform delivery operation, so that terminating delivery operation when the payment moment is not in time range.
5. method according to claim 4, it is characterised in that, when described distance between described mobile terminal and described payment instrument is within the scope of predeterminable range, allows to perform delivery operation and comprise:
Distance between described mobile terminal and described payment instrument is within the scope of predeterminable range, and when the payment moment is in time range, allows to perform delivery operation.
6. a secure payment device, it is characterised in that, described device comprises:
Acquiring unit, for the distance obtained between the payment instrument of mobile terminal and described mobile terminal binding;
Whether determining unit, for the distance determined between the payment instrument of described mobile terminal and described mobile terminal binding within the scope of predeterminable range;
First control unit, during for the distance between described mobile terminal and described payment instrument within the scope of predeterminable range, allows to perform delivery operation;
2nd control unit, during for the distance between described mobile terminal and described payment instrument not within the scope of predeterminable range, terminates delivery operation.
7. device according to claim 6, it is characterized in that, described device also comprises: information obtainment unit, for by the payment instrument in the near-field communication module scanning preset range on described mobile terminal, obtaining the identification information of the payment instrument in described preset range;
Matching unit, for being mated by the identification information of the described identification information obtained with registration on described mobile terminal, obtains the described payment instrument that identification information is corresponding with the identification information of registration on described mobile terminal;
First binding unit, described payment instrument and described mobile terminal for coupling being obtained are bound.
8. device according to claim 6, it is characterised in that, described device also comprises: obtaining unit, for obtaining the identification information of the described payment instrument that user manually inputs on the mobile terminal;
2nd binding unit, for binding payment instrument corresponding for described identification information and described mobile terminal.
9. device according to claim 6, it is characterised in that, described device also comprises: setting unit, for pre-setting the time range allowing to perform delivery operation, so that terminating delivery operation when the payment moment is not in time range.
10. device according to claim 6, it is characterized in that, described first control unit within the scope of predeterminable range, and pays the moment when being in time range specifically for: the distance between described mobile terminal and described payment instrument, allows to perform delivery operation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510186183.5A CN105654283A (en) | 2015-04-20 | 2015-04-20 | Safety payment method and apparatus thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510186183.5A CN105654283A (en) | 2015-04-20 | 2015-04-20 | Safety payment method and apparatus thereof |
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| Publication Number | Publication Date |
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| CN105654283A true CN105654283A (en) | 2016-06-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510186183.5A Pending CN105654283A (en) | 2015-04-20 | 2015-04-20 | Safety payment method and apparatus thereof |
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| Country | Link |
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| CN (1) | CN105654283A (en) |
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| CN106651377A (en) * | 2016-10-16 | 2017-05-10 | 广东聚联电子商务股份有限公司 | Device for realizing secure payment through electronic terminal |
| CN107480984A (en) * | 2017-08-29 | 2017-12-15 | 马建山 | A kind of safe mobile phone payment system |
| CN109308613A (en) * | 2018-09-11 | 2019-02-05 | 阿里巴巴集团控股有限公司 | A kind of payment request processing method and processing device |
| CN114705809A (en) * | 2022-02-21 | 2022-07-05 | 深圳绿米联创科技有限公司 | Detection module control method and device and electronic equipment |
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Application publication date: 20160608 |