CN105719138A - Payment processing method, payment processing device, payment processing terminal, and payment processing system - Google Patents

Payment processing method, payment processing device, payment processing terminal, and payment processing system Download PDF

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Publication number
CN105719138A
CN105719138A CN201610035976.1A CN201610035976A CN105719138A CN 105719138 A CN105719138 A CN 105719138A CN 201610035976 A CN201610035976 A CN 201610035976A CN 105719138 A CN105719138 A CN 105719138A
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China
Prior art keywords
terminal
digital certificate
wearable device
read requests
intelligence wearable
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Chinese (zh)
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梁文栋
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Priority to CN201610035976.1A priority Critical patent/CN105719138A/en
Publication of CN105719138A publication Critical patent/CN105719138A/en
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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a payment processing method, a payment processing device, a payment processing terminal, and a payment processing system. The payment processing method is characterized in that when a first terminal is used to detect a payment processing event, the first terminal is used to transmit a reading request to an intelligent wearable device; the reading request is used to read the digital certificate stored in the intelligent wearable device; the first terminal is used to acquire the digital certificate returned by the intelligent wearable device responding to the reading request; and the first terminal is used for the payment processing according to the returned digital certificate. By adopting the technical scheme, the convenience of the payment processing can be improved, and the application range of the payment processing can be enlarged.

Description

A kind of payment processing method, device, terminal and system
Technical field
The present invention relates to communication technical field, particularly relate to a kind of payment processing method, device, terminal and system.
Background technology
At present, by digital certificate store in smart storage device (such as U-shield), when user enters bank system of web, it is possible to protect the fund security of the Web bank of user by the smart storage device moment.From technical standpoint: smart storage device is the instrument for Web bank's electronic signature and digital authenticating, its built-in miniature smartcard processor, based on PKI (PublicKeyInfrastructure, PKIX) technology, and adopt 1024 asymmetric key algorithms online data to be encrypted, deciphers and digital signature, it is ensured that the confidentiality of online transaction, verity, integrity and non-repudiation.Although its equipment is small and exquisite, but technology content is high.Smart storage device have employed information security technology leading in the world at present, hard core module adopts smart card CPU (CentralProcessingUnit, central processing unit) chip, internal structure is by CPU and encryption logic, RAM (RandomAccessMemory, random-access memory), ROM (ReadOnlyMemory, read only memory), EEPROM (ElectricallyErasableProgrammableReadOnlyMemory, electrically erasable read-only memory) and I/O (Input/Output, iostream) five part compositions, it it is a minicomputer with security system.
In the prior art scheme, can by the SOS in the digital certificate store in smart storage device to dual system termi-nal, user can utilize the digital certificate of storage in SOS to carry out Web bank's funds transaction.For ensureing the safety of Web bank's funds transaction, the SOS in dual system termi-nal for operating system read-only, that can not network, must thus limit the use scope of dual system termi-nal, also have impact on the use scope that payment transaction processes；And at present, the popularity rate of dual system termi-nal is also not high, so also limit the use scope that payment transaction processes.
Summary of the invention
Embodiment of the present invention technical problem to be solved is in that, it is provided that a kind of payment processing method, device, terminal and system, can promote the convenient and swift property of payment processes, expand the use scope of payment processes.
First aspect, embodiments provides a kind of payment processing method, and described method includes:
When first terminal detects payment processes event, described first terminal sends read requests to intelligence wearable device, and wherein, described read requests is for reading the digital certificate of storage in described intelligence wearable device；
Described first terminal obtains described intelligence wearable device and responds the digital certificate that described read requests returns；
Described first terminal carries out payment processes according to the digital certificate of described return.
Wherein alternatively,
Described first terminal sends described read requests by the second terminal to described intelligence wearable device；
Described first terminal receives, by described second terminal, the digital certificate that described intelligence wearable device returns.
Wherein alternatively, before described first terminal sends read requests to intelligence wearable device, also include:
Described first terminal judges that whether the payment amount involved by described payment processes event is more than default amount；
If more than default amount, then perform described first terminal and send described read requests to intelligence wearable device.
Wherein alternatively, described method also includes:
If less than default amount, then described first terminal sends checking information to described second terminal, and described checking information is used for verifying that secure payment processes；
Described first terminal obtains information to be verified, and verifies that whether described information to be verified and described checking information is identical；
If identical, then described first terminal carries out the process of low volume payment funding.
Second aspect, embodiments provides another kind of payment processing method, and described method includes:
Intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, and the corresponding identification information of each digital certificate；
Described intelligence wearable device receives the read requests that first terminal sends, and wherein, described read requests includes identification information, and described read requests is for reading the digital certificate of storage in described intelligence wearable device；
Described intelligence wearable device, according to the identification information in described read requests, obtains the digital certificate corresponding with described identification information in the digital certificate of storage from described intelligence wearable device；
Described intelligence wearable device sends described corresponding with described identification information digital certificate to described first terminal, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding.
Wherein alternatively,
The described read requests that described intelligence wearable device receives is the described read requests that described first terminal is sent to described intelligence wearable device by the second terminal；
Described intelligence wearable device sends described corresponding with described identification information digital certificate by described second terminal to described first terminal.
The third aspect, embodiments provides another kind of payment processing method, and described method includes:
Second terminal receives the read requests that first terminal sends, and described read requests is for reading the digital certificate of storage in intelligence wearable device；
Described read requests is sent to described intelligence wearable device by described second terminal；
Described second terminal receives described intelligence wearable device and responds the digital certificate that described read requests returns；
Described digital certificate is sent to described first terminal by described second terminal.
Fourth aspect, embodiments provides another kind of payment processes device, and described device includes:
Sending module, for when payment processes event being detected, sending read requests to intelligence wearable device, wherein, described read requests is for reading the digital certificate of storage in described intelligence wearable device；
Acquisition module, responds the digital certificate of the read requests return that described sending module sends for obtaining described intelligence wearable device；
Processing module, carries out payment processes for the digital certificate got according to described acquisition module.
Wherein alternatively,
Described sending module, specifically for sending described read requests by the second terminal to described intelligence wearable device；
Described acquisition module, specifically for receiving, by described second terminal, the digital certificate that described intelligence wearable device returns.
Wherein alternatively, described device also includes:
Judge module, for judging that whether payment amount involved by described payment processes event is more than default amount；If the judged result of described judge module is more than default amount, then notify described sending module.
Wherein alternatively,
Described sending module, if the judged result being additionally operable to described judge module is less than default amount, then sends checking information to described second terminal, and described checking information is used for verifying that secure payment processes；
Described acquisition module, is additionally operable to obtain information to be verified, and verifies that whether described information to be verified and described checking information is identical；
Described processing module, if being additionally operable to described acquisition module, to authenticate to described information to be verified identical with described checking information, then carry out low volume payment funding and process.
5th aspect, embodiments provides another kind of payment processes device, and described device includes:
Memory module, for being used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate；
Receiver module, for receiving the read requests that first terminal sends, wherein, described read requests includes identification information, and described read requests is for reading the digital certificate of described memory module storage；
Acquisition module, for the identification information in the read requests that receives according to described receiver module, obtains the digital certificate corresponding with described identification information from the digital certificate that described memory module stores；
Sending module, for sending described corresponding with described identification information digital certificate to described first terminal, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding.
Wherein alternatively,
Described receiver module, specifically for receiving the read requests that described first terminal is sent to described intelligence wearable device by the second terminal；
Described sending module, specifically for sending described corresponding with described identification information digital certificate by described second terminal to described first terminal.
6th aspect, embodiments provides another kind of payment processes device, and described device includes:
First receiver module, for receiving the read requests that first terminal sends, described read requests is for reading the digital certificate of storage in intelligence wearable device；
First sending module, for being sent to described intelligence wearable device by the read requests that described first receiver module receives；
Second receiver module, responds the digital certificate of the read requests return that described first receiver module receives for receiving described intelligence wearable device；
Second sending module, for being sent to described first terminal by the digital certificate that described second receiver module receives.
7th aspect, embodiments provides a kind of terminal, and described terminal includes the payment processes device described in as above fourth aspect or the 5th aspect or the 6th aspect.
Correspondingly, embodiment of the present invention eighth aspect, additionally provide a kind of payment processing system, described system includes intelligence wearable device, first terminal, wherein,
Described first terminal, for when payment processes event being detected, sending read requests to intelligence wearable device, wherein, described read requests is for reading the digital certificate of storage in described intelligence wearable device；Obtain described intelligence wearable device and respond the digital certificate that described read requests returns；Digital certificate according to described return carries out payment processes.
Described intelligence wearable device, for being used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate；Receiving the read requests that described first terminal sends, wherein, described read requests includes identification information；According to the identification information in described read requests, from described intelligence wearable device, the digital certificate of storage obtains the digital certificate corresponding with described identification information；Described corresponding with described identification information digital certificate is sent, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding to described first terminal.
Wherein alternatively, described system also includes the second terminal, described second terminal respectively with described first terminal and described intelligence wearable device data cube computation, wherein,
Described first terminal, is additionally operable to send described read requests by the second terminal to described intelligence wearable device；The digital certificate that described intelligence wearable device returns is received by described second terminal；
Described intelligence wearable device, is additionally operable to receive the described read requests that described first terminal is sent to described intelligence wearable device by the second terminal；Described corresponding with described identification information digital certificate is sent to described first terminal by described second terminal；
Described second terminal, for receiving the described read requests that described first terminal sends；Described read requests is sent to described intelligence wearable device；Receive described intelligence wearable device and respond the digital certificate that described read requests returns；The digital certificate of described return is sent to described first terminal.
In the embodiment of the present invention, intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, and the corresponding identification information of each digital certificate；What described intelligence wearable device reception first terminal sent is used for reading the read requests of the digital certificate of storage in described intelligence wearable device, wherein, described read requests includes identification information, and obtain the digital certificate corresponding with described identification information according to the identification information in described read requests, again digital certificate corresponding for described and described identification information is sent to described first terminal, so that described first terminal carries out payment processes according to described digital certificate, the convenient and swift property of payment processes so can be promoted.
If described intelligence wearable device is connected with no data between described first terminal, then described first terminal can send described read requests by the second terminal to described intelligence wearable device；Described intelligence wearable device sends described corresponding with described identification information digital certificate by described second terminal to described first terminal, so can promote the safety of payment processes；Simultaneously, described first terminal also can directly send for verifying the checking information that secure payment processes to described second terminal, and verify that whether described checking information is identical with the information to be verified that detection gets, if it is identical, then described first terminal can also carry out the process of low volume payment funding, user so can be avoided to leave behind intelligence wearable device or the second terminal can not carry out the situation of Web bank's payment processes, thus expanding the use scope of payment processes.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, the accompanying drawing used required in embodiment or description of the prior art will be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the premise not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of a kind of payment processing method of the embodiment of the present invention；
Fig. 2 is the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention；
Fig. 3 is the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention；
Fig. 4 is the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention；
Fig. 5 is the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention；
Fig. 6 is the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention；
Fig. 7 is the structural representation of a kind of payment processes device of the embodiment of the present invention；
Fig. 8 is the structural representation of the another kind of payment processes device of the embodiment of the present invention；
Fig. 9 is the structural representation of the another kind of payment processes device of the embodiment of the present invention；
Figure 10 is the structural representation of the another kind of payment processes device of the embodiment of the present invention；
Figure 11 is the structural representation of a kind of terminal of the embodiment of the present invention；
Figure 12 is the structural representation of the another kind of terminal of the embodiment of the present invention；
Figure 13 is the structural representation of the another kind of terminal of the embodiment of the present invention；
Figure 14 is the structural representation of a kind of payment processing system of the embodiment of the present invention；And
Figure 15 is the structural representation of the another kind of payment processing system of the embodiment of the present invention.
Detailed description of the invention
In order to make those skilled in the art be more fully understood that the present invention program, 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 embodiment of a present invention part, rather than whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, all should belong to the scope of protection of the invention.
Term " first " in description and claims of this specification and above-mentioned accompanying drawing, " second " and " the 3rd " (if existence) etc. are for distinguishing different object, not for describing particular order.Additionally, term " including " and their any deformation, it is intended that cover non-exclusive comprising.Such as contain series of steps or the process of unit, method, system, product or equipment are not limited to step or the unit listed, but also include step or the unit do not listed alternatively, or also include other step intrinsic for these processes, method, product or equipment or unit alternatively.
Refer to Fig. 1, it it is the schematic flow sheet of a kind of payment processing method of the embodiment of the present invention, the described method of the embodiment of the present invention can be applied in such as smart mobile phone, panel computer, intelligence wearable device etc. with, in the terminal of communications network functionality, specifically being realized by the processor of these communication terminals.The described method of the embodiment of the present invention also comprises the steps:
S101, when first terminal detects payment processes event, described first terminal to intelligence wearable device send read requests, wherein, described read requests for read described intelligence wearable device in storage digital certificate.
In the embodiment of the present invention, when first terminal detects that terminal use utilizes described first terminal to carry out Web bank's payment funding, described first terminal can to intelligence wearable device send for read described intelligence wearable device in storage all or part of digital certificate (as the digital certificate of industrial and commercial bank, China Merchants Bank numeral card, agricultural bank digital certificate etc.) read requests.
In implementing, if described first terminal by communication (such as bluetooth, wifi, microwave communication, satellite communication etc.) with as described in intelligence wearable device data cube computation, when described first terminal detects that terminal use utilizes described first terminal to carry out Web bank's payment funding, described first terminal directly can send described read requests to described intelligence wearable device；Described intelligence wearable device can receive described read requests, and from this intelligence wearable device, the digital certificate of storage selects the digital certificate corresponding with described read requests, the described digital certificate chosen is sent to described first terminal by described intelligence wearable device, in order to described first terminal completes correspondingly payment processes according to described digital certificate.
If the second terminal by the mode (such as bluetooth, wifi, microwave communication, satellite communication etc.) of radio communication or data wire with as described in intelligence wearable device, as described in first terminal be connected, when described first terminal detects that terminal use utilizes described first terminal to carry out Web bank's payment funding, described read requests first can be sent to described second terminal by described first terminal, and described read requests is being transmitted to described intelligence wearable device by described second terminal.Described intelligence wearable device can receive described read requests, and from this intelligence wearable device, the digital certificate of storage selects the digital certificate corresponding with described read requests, the described digital certificate chosen is sent to described second terminal by described intelligence wearable device, described digital certificate is being transmitted to described first terminal by described second terminal, in order to described first terminal completes correspondingly payment processes according to described digital certificate.
Described first terminal can also detect acquisition terminal use and utilize described first terminal to carry out the payment amount of Web bank's payment funding.Terminal use or system can arrange the restriction amount of a restriction payment in advance in described first terminal, that is to say default amount.Described first terminal can also judge that terminal use utilizes described first terminal to carry out whether the payment amount involved by Web bank's payment processes exceedes described default amount.If exceeding described default amount, described first terminal can send described read requests to described intelligence wearable device；If less than described default amount, described first terminal can send for verifying the checking information (such as password etc.) that secure payment processes to described second terminal.Described second terminal receives described checking information, and described second terminal is it is also possible that state checking information and show on a display screen, in order to terminal use checks.Terminal use can utilize described second terminal to send information to be verified to described first terminal, or, terminal use can input information to be verified on the payment processes interface of described first terminal, described first terminal can detect the described information to be verified of acquisition, and verify that whether the information described to be verified got is identical with described checking information, if identical, then described first terminal carries out the low volume payment funding process of corresponding Web bank.
Described first terminal and described second terminal are distinguishing communication terminal, described communication terminal can include PC, smart mobile phone (such as Android phone, IOS mobile phone etc.), panel computer, palm PC, mobile internet device (MID, MobileInternetDevices) or the internet device such as wearable intelligent equipment, the embodiment of the present invention is not construed as limiting.
S102, described first terminal obtain described intelligence wearable device and respond the digital certificate that described read requests returns.
S103, described first terminal carry out payment processes according to the digital certificate of described return.
In the embodiment of the present invention, first terminal receives the described digital certificate that the described intelligence wearable device of intelligence wearable device described in S101 or described second terminal transmission is chosen according to described read requests, that is to say, described first terminal receives described intelligence wearable device and responds the described digital certificate that described read requests returns, correspondingly Web bank's payment processes can also be carried out according to described digital certificate (being namely the described digital certificate got in S102), described Web bank payment processes can be high capital payment processes or the process of low volume payment funding.
It should be noted that, described first terminal can carry out high capital payment processes according to the described digital certificate got in S102 or low volume payment funding processes, but, described first terminal sends described checking information to described second terminal, when to authenticate to described checking information identical with the information described to be verified got for described first terminal, described first terminal carries out low volume payment funding and processes.
In the embodiment of the present invention, when first terminal detects payment processes event, described first terminal sends for reading the read requests of the digital certificate of storage in this intelligence wearable device to intelligence wearable device, described first terminal can obtain described intelligence wearable device and respond the digital certificate that described read requests returns, and the digital certificate according to described return carries out payment processes, so can promote the convenient and swift property of payment processes, described first terminal can also send checking information to the second terminal, described first terminal obtains the information to be verified that user returns, when described first terminal authenticate to described information to be verified identical with described checking information time, described first terminal can carry out low volume payment funding and process, so when user leaves behind intelligence wearable device, described first terminal realizes payment processes also by described second terminal, expand the use scope of payment processes.
Referring to Fig. 2, be the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention, the described method of the embodiment of the present invention comprises the steps:
S201, when first terminal detects payment processes event, described first terminal by the second terminal to intelligence wearable device send read requests, wherein, described read requests for read described intelligence wearable device in storage digital certificate.
S202, described first terminal receive described intelligence wearable device by described second terminal and respond the digital certificate that described read requests returns.
S203, described first terminal carry out payment processes according to the digital certificate of described return.
In the embodiment of the present invention, second terminal can by the mode (such as bluetooth, wifi, microwave communication, satellite communication etc.) of radio communication or data wire respectively with as described in first terminal, as described in intelligence wearable device be connected, when described first terminal detects that terminal use utilizes described first terminal to carry out Web bank's payment funding, described read requests first can be sent to described second terminal by described first terminal, and described read requests is being transmitted to described intelligence wearable device by described second terminal.Described intelligence wearable device can receive described read requests, and from this intelligence wearable device, the digital certificate of storage selects the digital certificate corresponding with described read requests, the described digital certificate chosen is sent to described second terminal by described intelligence wearable device, described digital certificate is being transmitted to described first terminal by described second terminal, described first terminal receives described digital certificate, and carries out correspondingly Web bank's payment processes according to described digital certificate.
See also Fig. 3, be the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention, before step S201, it is also possible to including:
S301, when first terminal detects payment processes event, detection obtains payment amount involved by described payment processes event.
S302, described first terminal judge that whether the payment amount involved by described payment processes event is more than default amount.
In the embodiment of the present invention, described first terminal determines terminal use and utilizes described first terminal to carry out the default amount of the restriction payment that the payment amount involved by Web bank's payment funding is arranged in advance be more than or equal to terminal use or system in described first terminal, when described first terminal determines be more than or equal to described default amount, described first terminal continues executing with above-mentioned steps S201；Otherwise, step S303 is performed.
S303, described first terminal send checking information to described second terminal, and described checking information is used for verifying that secure payment processes.
S304, described first terminal obtain information to be verified, and verify that whether described information to be verified and described checking information is identical.
In the embodiment of the present invention, described second terminal receives the described checking information that first terminal described in S303 sends, and described second terminal is it is also possible that state checking information and show on a display screen, in order to terminal use checks.Terminal use can utilize described second terminal to send information to be verified to described first terminal, or, terminal use can input information to be verified on the payment processes interface of described first terminal, and described first terminal can detect the described information to be verified of acquisition.Described first terminal can verify that whether the information described to be verified got is identical with the described checking information in S303, if identical, then performs S305 step；Otherwise, process ends is performed.
S305, described first terminal carry out low volume payment funding and process.
In the embodiment of the present invention, when first terminal detects payment processes event, described first terminal sends for reading the read requests of the digital certificate of storage in this intelligence wearable device by the second terminal to described intelligence wearable device, described first terminal can also receive described intelligence wearable device by described second terminal and respond the digital certificate that described read requests returns, and the digital certificate according to described return carries out payment processes, so can promote the safety of payment processes and convenient and swift property, described first terminal can also send checking information to the second terminal, described first terminal obtains the information to be verified that user returns, when described first terminal authenticate to described information to be verified identical with described checking information time, described first terminal can carry out low volume payment funding and process, this avoid the situation that user leaves behind intelligence wearable device and cannot be carried out Web bank's payment funding, expand use scope.
Refer to Fig. 4, it it is the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention, the described method of the embodiment of the present invention can be applied in such as Intelligent bracelet, intelligent watch etc. with, in the wearable device of communications network functionality, specifically being realized by the processor of these communication equipments.The described method of the embodiment of the present invention also comprises the steps.
S401, intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, and the corresponding identification information of each digital certificate.
In the embodiment of the present invention, terminal use can by smart storage device (such as U-shield etc.) for verify digital certificate that secure payment processes (as the digital certificate of industrial and commercial bank, the numeral card of China Merchants Bank, agricultural bank digital certificate etc.) in burned intelligent wearable device, wherein, the corresponding identification information of each digital certificate (as title, No. ID etc.).That is to say, intelligence wearable device can will be used for verifying that digital certificate store that secure payment processes is in the local data base or memorizer of this intelligence wearable device.
S402, described intelligence wearable device receive the read requests that first terminal sends, and described read requests includes identification information, and described read requests is for reading the digital certificate of storage in described intelligence wearable device.
In the embodiment of the present invention, described first terminal can by the mode (such as bluetooth, wifi etc.) of radio communication with as described in intelligence wearable device be connected, when first terminal detects that terminal use carries out internet bank trade payment on described first terminal, described first terminal sends for reading the read requests of the digital certificate of storage in intelligence wearable device described in S401 to intelligence wearable device, wherein, described read requests can include the identification information of the digital certificate used when described first terminal carries out internet bank trade payment.Described intelligence wearable device can receive described read requests.
S403, described intelligence wearable device, according to the identification information in described read requests, obtain the digital certificate corresponding with described identification information in the digital certificate of storage from described intelligence wearable device.
In the invention process, intelligence wearable device according to the identification information in the described read requests received in S402, can obtain the digital certificate corresponding with the described identification information in S402 in the digital certificate of storage from intelligence wearable device described in S401.
S404, described intelligence wearable device send described corresponding with described identification information digital certificate to described first terminal, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding.
In the embodiment of the present invention, the described digital certificate got in S403 can be sent to described first terminal by intelligence wearable device, in order to described first terminal carries out payment processes according to the described digital certificate in S403.
In the embodiment of the present invention, intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate, what described intelligence wearable device reception first terminal sent is used for reading the read requests of the digital certificate of storage in described intelligence wearable device, wherein, described read requests includes identification information, and according to the identification information in described read requests, from described intelligence wearable device, the digital certificate of storage obtains the digital certificate corresponding with described identification information, digital certificate corresponding for described and described identification information is sent to described first terminal, so that described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding, so there is purpose, obtain digital certificate targetedly, accelerate first terminal and carry out the efficiency of payment processes according to described digital certificate, improve the convenient and swift property of payment processes.
Refer to Fig. 5, be the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention, the described method following steps of the embodiment of the present invention:
S501, intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, and the corresponding identification information of each digital certificate.
S502, described intelligence wearable device receive the read requests that first terminal is sent by the second terminal, and described read requests includes identification information, and described read requests is for reading the read requests of the digital certificate of storage in described intelligence wearable device.
In the embodiment of the present invention, second terminal can be connected with first terminal, intelligence wearable device respectively by the mode of radio communication or data wire, when first terminal detects that terminal use carries out internet bank trade payment on described first terminal, described first terminal can send for reading the read requests of the digital certificate of storage in intelligence wearable device described in S401 to described second terminal, wherein, described read requests can include the identification information of the digital certificate used when described first terminal carries out internet bank trade payment.Described second terminal receives described read requests, and described read requests is sent to described intelligence wearable device.Described intelligence wearable device can receive described read requests.
S503, described intelligence wearable device, according to the identification information in described read requests, obtain the digital certificate corresponding with described identification information in the digital certificate of storage from described intelligence wearable device.
S504, described intelligence wearable device send described corresponding with described identification information digital certificate by described second terminal to described first terminal, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding.
In the embodiment of the present invention, the described digital certificate got in S503 is sent to described second terminal by intelligence wearable device, described second terminal can receive the digital certificate (digital certificate that is to say in S503) that described intelligence wearable device sends, described digital certificate is sent to described first terminal by described second terminal, in order to described first terminal carries out payment processes according to described digital certificate.
In the embodiment of the present invention, the digital certificate corresponding with described identification information can be found out according in the digital certificate that the identification information in the described read requests received stores from this intelligence wearable device, described corresponding with described identification information digital certificate is being sent to first terminal, so that described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding, so there is purpose, obtain digital certificate targetedly, accelerate described first terminal and carry out the efficiency of payment processes according to described digital certificate, improve the convenient and swift property of payment processes.
Referring to Fig. 6, be the schematic flow sheet of the another kind of payment processing method of the embodiment of the present invention, the described method of the embodiment of the present invention also comprises the steps.
S601, the second terminal receive the read requests that first terminal sends, and described read requests is for reading the digital certificate of storage in intelligence wearable device.
Described read requests is sent to described intelligence wearable device by S602, described second terminal.
S603, described second terminal receive described intelligence wearable device and respond the digital certificate that described read requests returns.
The digital certificate of described return is sent to described first terminal by S604, described second terminal.
The embodiment of the present invention can receive, by the second terminal, the read requests for reading the digital certificate stored in intelligence wearable device that first terminal sends, and described read requests is sent to described intelligence wearable device；Described second terminal can also receive described intelligence wearable device and respond the digital certificate that described read requests returns, and described digital certificate is sent to described first terminal, so that described first terminal carries out payment processes according to described digital certificate, thus improving the convenient and swift property of payment processes.
Refer to Fig. 7, it it is the structural representation of a kind of payment processes device of the embodiment of the present invention, the described device of the embodiment of the present invention can be arranged on such as smart mobile phone, panel computer, intelligence wearable device etc. with in the terminal of communications network functionality, and described device 7 includes:
Sending module 70, for when payment processes event being detected, sending read requests to intelligence wearable device, described read requests is for reading the digital certificate of storage in described intelligence wearable device；
Acquisition module 71, responds the digital certificate of the read requests return that described sending module 70 sends for obtaining described intelligence wearable device；
Processing module 72, carries out payment processes for the digital certificate got according to described acquisition module 71.
The implementing of the modules related in the embodiment of the present invention is referred in Fig. 1 to Fig. 6 correspondence embodiment the description of related function module, is not repeated herein.
Seeing also Fig. 8, be the structural representation of the another kind of payment processes device of the embodiment of the present invention, described device 8 includes above-mentioned sending module 70, acquisition module 71, processing module 72, may also include that
Described sending module 70, specifically for sending described read requests by the second terminal to described intelligence wearable device；
Described acquisition module 71, specifically for receiving, by described second terminal, the digital certificate that described intelligence wearable device returns.
Wherein alternatively, described device also includes:
Judge module 73, for judging that whether payment amount involved by described payment processes event is more than default amount；If the judged result of described judge module 73 is more than default amount, then notify described sending module 70.
Wherein alternatively,
Described sending module 70, if the judged result being additionally operable to described judge module 73 is less than default amount, then sends checking information to described second terminal, and described checking information is used for verifying that secure payment processes；
Described acquisition module 71, is additionally operable to obtain information to be verified, and verifies that whether described information to be verified and described checking information is identical；
Described processing module 72, if being additionally operable to described acquisition module 71, to authenticate to described information to be verified identical with described checking information, then carry out low volume payment funding and process.
The implementing of the modules related in the embodiment of the present invention is referred in Fig. 1 to Fig. 6 correspondence embodiment the description of related function module, is not repeated herein.
In the embodiment of the present invention, when first terminal detects payment processes event, described first terminal sends for reading the read requests of the digital certificate of storage in this intelligence wearable device to intelligence wearable device, described first terminal can obtain described intelligence wearable device and respond the digital certificate that described read requests returns, and carry out payment processes according to described digital certificate, so can promote the convenient and swift property of payment processes, described first terminal can also send checking information to the second terminal, described first terminal obtains the information to be verified that user returns, when described first terminal authenticate to described information to be verified identical with described checking information time, described first terminal can carry out low volume payment funding and process, so when user leaves behind intelligence wearable device, described first terminal realizes payment processes also by described second terminal, expand the use scope of payment processes.
Referring to Fig. 9, be the structural representation of the another kind of payment processes device of the embodiment of the present invention, the described method of the embodiment of the present invention can be applied in such as Intelligent bracelet, intelligent watch etc. with in the wearable device of communications network functionality, and described device includes:
Memory module 90, for being used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate；
Receiver module 91, for receiving the read requests of the digital certificate for reading the storage of described memory module 90 that first terminal sends, wherein, described read requests includes identification information；
Acquisition module 92, for the identification information in the read requests that receives according to described receiver module 91, obtains the digital certificate corresponding with described identification information from the digital certificate of described memory module 90 storage；
Sending module 93, is sent to first terminal for sending to described first terminal by digital certificate corresponding for described and described identification information, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding.
Wherein alternatively,
Described receiver module 91, specifically for receiving the read requests that described first terminal is sent to described intelligence wearable device by the second terminal；
Described sending module 93, specifically for sending described corresponding with described identification information digital certificate by described second terminal to described first terminal.
The implementing of the modules related in the embodiment of the present invention is referred in Fig. 1 to Fig. 6 correspondence embodiment the description of related function module, is not repeated herein.
In the embodiment of the present invention, intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate, what described intelligence wearable device reception first terminal sent is used for reading the read requests of the digital certificate of storage in described intelligence wearable device, wherein, described read requests includes identification information, and according to the identification information in described read requests, from described intelligence wearable device, the digital certificate of storage obtains the digital certificate corresponding with described identification information, digital certificate corresponding for described and described identification information is sent to described first terminal, so that described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding, so there is purpose, obtain digital certificate targetedly, accelerate first terminal and carry out the efficiency of payment processes according to described digital certificate, improve the convenient and swift property of payment processes.
Refer to Figure 10, it it is the structural representation of the another kind of payment processes device of the embodiment of the present invention, the described device of the embodiment of the present invention can may be provided at such as smart mobile phone, panel computer, intelligence wearable device etc. with in the terminal of communications network functionality, and described device 10 includes:
First receiver module 100, for receiving the read requests that first terminal sends, described read requests is for reading the digital certificate of storage in intelligence wearable device；
First sending module 101, for being sent to described intelligence wearable device by the read requests that described first receiver module 100 receives；
Second receiver module 102, responds the digital certificate of the read requests return that described first receiver module 100 receives for receiving described intelligence wearable device；
Second sending module 103, for being sent to described first terminal by the digital certificate that described second receiver module 102 receives.
The implementing of the modules related in the embodiment of the present invention is referred in Fig. 1 to Fig. 6 correspondence embodiment the description of related function module, is not repeated herein.
Refer to Figure 11 again, be the structural representation of a kind of terminal of the embodiment of the present invention.Described terminal can be the terminal with communications network functionality such as smart mobile phone, panel computer, intelligence wearable device, as shown in Figure 5, the described terminal of the embodiment of the present invention can include the modules such as display screen, button, speaker, pick up, and also include: at least one bus 111, at least one processor 112 being connected with bus 111 and at least one memorizer 113 being connected with bus 111, realize the communicator 115 of communication function, for the supply unit 114 of each power consumption module for power supply of communication terminal.
Described processor 112 can pass through bus 111, calls the code stored in memorizer 113 to perform the function being correlated with.
Described memorizer 113 includes operating system, data transmission applications program etc..
Described processor 112, if for payment processes event being detected, then sends for reading the read requests of the digital certificate of storage in described intelligence wearable device to intelligence wearable device；Obtain described intelligence wearable device and respond the digital certificate that described read requests returns；Digital certificate according to described return carries out payment processes.
Still optionally further, described processor 112 is additionally operable to send described read requests by the second terminal to described intelligence wearable device；The digital certificate that described intelligence wearable device returns is received by described second terminal.
Still optionally further, described processor 112 is additionally operable to judge that whether the payment amount involved by described payment processes event is more than default amount；If more than default amount, then perform to send for reading the read requests of the digital certificate of storage in described intelligence wearable device to intelligence wearable device.
Still optionally further, if described processor 112 is additionally operable to less than default amount, then send for verifying the checking information that secure payment processes to described second terminal；Obtain information to be verified, and verify that whether described information to be verified and described checking information is identical, if identical, then carry out low volume payment funding and process.
In the embodiment of the present invention, when first terminal detects payment processes event, described first terminal sends for reading the read requests of the digital certificate of storage in described intelligence wearable device to intelligence wearable device, described first terminal can obtain described intelligence wearable device and respond the digital certificate that described read requests returns, and carry out payment processes according to described digital certificate, so can promote the convenient and swift property of payment processes, described first terminal can also send checking information to the second terminal, described first terminal obtains the information to be verified that user returns, when described first terminal authenticate to described information to be verified identical with described checking information time, described first terminal can carry out low volume payment funding and process, so when user leaves behind intelligence wearable device, described first terminal realizes payment processes also by described second terminal, expand the use scope of payment processes.
Refer to Figure 12, be the structural representation of the another kind of terminal of the embodiment of the present invention.Described terminal 12 comprises the steps that input equipment 201, output device 202, memorizer 203 and processor 204 (quantity of the processor 204 in the network equipment can be one or more, for a processor in Figure 12).In some embodiments of the invention, input equipment 201, output device 202, memorizer 203 and processor 204 can pass through bus or alternate manner connects, wherein, to be connected as example by bus in Figure 12.
Wherein, processor 204 is used for performing following steps:
To be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate；
Receiving the read requests for reading the digital certificate stored in described intelligence wearable device that first terminal sends, wherein, described read requests includes identification information；
According to the identification information in described read requests, from described intelligence wearable device, the digital certificate of storage obtains the digital certificate corresponding with described identification information；
Described corresponding with described identification information digital certificate is sent, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding to described first terminal.
Wherein, processor 204 is additionally operable to receive the described read requests that described first terminal is sent to described intelligence wearable device by the second terminal；Described corresponding with described identification information digital certificate is sent to described first terminal by described second terminal.
In the embodiment of the present invention, intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate, what described intelligence wearable device reception first terminal sent is used for reading the read requests of the digital certificate of storage in described intelligence wearable device, wherein, described read requests includes identification information, and according to the identification information in described read requests, from described intelligence wearable device, the digital certificate of storage obtains the digital certificate corresponding with described identification information, digital certificate corresponding for described and described identification information is sent to described first terminal, so that described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding, so there is purpose, obtain digital certificate targetedly, accelerate first terminal and carry out the efficiency of payment processes according to described digital certificate, improve the convenient and swift property of payment processes.
Refer to Figure 13 again, the structural representation of the another kind of terminal of the embodiment of the present invention.Described terminal 13 comprises the steps that input equipment 301, output device 302, memorizer 303 and processor 304 (quantity of the processor 304 in the network equipment can be one or more, for a processor in Figure 13).In some embodiments of the invention, input equipment 301, output device 302, memorizer 303 and processor 304 can pass through bus or alternate manner connects, wherein, to be connected as example by bus in Figure 13.
Wherein, processor 304 is used for performing following steps: receive the read requests for reading the digital certificate stored in intelligence wearable device that first terminal sends；Described read requests is sent to described intelligence wearable device；Receive described intelligence wearable device and respond the digital certificate that described read requests returns；The digital certificate of described return is sent to described first terminal.
In order to implement the such scheme of the embodiment of the present invention better, the invention also discloses a kind of payment processing system, as shown in figure 14, described system 14 includes intelligence wearable device 140, first terminal 141, wherein,
Described first terminal 141, for when payment processes event being detected, sending for reading the read requests of the digital certificate of storage in described intelligence wearable device 140 to intelligence wearable device 140；Obtain described intelligence wearable device 140 and respond the digital certificate that described read requests returns；Digital certificate according to described return carries out payment processes.
Described intelligence wearable device 140, for being used for verifying in the digital certificate store extremely described intelligence wearable device 140 that secure payment processes, wherein, the corresponding identification information of each digital certificate；Receiving the read requests for reading the digital certificate stored in described intelligence wearable device 140 that described first terminal 141 sends, wherein, described read requests includes identification information；According to the identification information in described read requests, from described intelligence wearable device 140, the digital certificate of storage obtains the digital certificate corresponding with described identification information；Described corresponding with described identification information digital certificate is sent, in order to described first terminal 141 carries out payment processes according to the digital certificate that described and described identification information is corresponding to described first terminal 141.
See also Figure 15, invention additionally discloses another kind of payment processing system, described system includes above-mentioned first terminal 141, intelligent wearable device 140, the second terminal 142 can also be included, described second terminal 142 respectively with described first terminal 141 and described intelligence wearable device 140 data cube computation, wherein
Described first terminal 141, is additionally operable to send described read requests by the second terminal 142 to described intelligence wearable device 140；The digital certificate that described intelligence wearable device 140 returns is received by described second terminal 142；
Described intelligence wearable device 140, is additionally operable to receive the described read requests that described first terminal 141 is sent to described intelligence wearable device 140 by the second terminal 142；Described corresponding with described identification information digital certificate is sent to described first terminal 141 by described second terminal 142；
Described second terminal 142, for receiving the read requests for reading the digital certificate stored in intelligence wearable device 140 that first terminal 141 sends；Described read requests is sent to described intelligence wearable device 140；Receive described intelligence wearable device 140 and respond the digital certificate that described read requests returns；Described digital certificate is sent to described first terminal 141.
It should be noted that above-mentioned intelligent wearable device 140 can for the payment processes device described in Fig. 9；Above-mentioned first terminal 141 can for the payment processes device described in Fig. 7 or Fig. 8；The second above-mentioned terminal 142 can for the payment processes device described in Figure 10.
In the embodiment of the present invention, intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate, what described intelligence wearable device reception first terminal sent is used for reading the read requests of the digital certificate of storage in described intelligence wearable device, wherein, described read requests includes identification information, and obtain the digital certificate corresponding with described identification information according to the identification information in described read requests, again digital certificate corresponding for described and described identification information is sent to described first terminal, so that described first terminal carries out payment processes according to described digital certificate, so can promote the convenient and swift property of payment processes.
If described intelligence wearable device is connected with no data between described first terminal, then described first terminal can send described read requests by the second terminal to described intelligence wearable device；Described intelligence wearable device sends described corresponding with described identification information digital certificate by described second terminal to described first terminal, so can promote the safety of payment processes；Simultaneously, described first terminal also can directly send for verifying the checking information that secure payment processes to described second terminal, and verify that whether described checking information is identical with the information to be verified that detection gets, if it is identical, then described first terminal can also carry out the process of low volume payment funding, user so can be avoided to leave behind intelligence wearable device or the second terminal can not carry out the situation of Web bank's payment processes, thus expanding the use scope of payment processes.
One of ordinary skill in the art will appreciate that all or part of flow process realizing in above-described embodiment method, can be by the hardware that computer program carrys out instruction relevant to complete, described program can be stored in a computer read/write memory medium, this program is upon execution, it may include such as the flow process of the embodiment of above-mentioned each side method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-OnlyMemory, ROM) or random store-memory body (RandomAccessMemory, RAM) etc..
Above disclosed it is only present pre-ferred embodiments, certainly can not limit the interest field of the present invention, the equivalent variations therefore made according to the claims in the present invention with this, still belong to the scope that the present invention contains.

Claims (17)

1. a payment processing method, it is characterised in that described method includes:
When first terminal detects payment processes event, described first terminal sends read requests to intelligence wearable device, and wherein, described read requests is for reading the digital certificate of storage in described intelligence wearable device；
Described first terminal obtains described intelligence wearable device and responds the digital certificate that described read requests returns；
Described first terminal carries out payment processes according to the digital certificate of described return.
2. the method for claim 1, it is characterised in that
Described first terminal sends described read requests by the second terminal to described intelligence wearable device；
Described first terminal receives, by described second terminal, the digital certificate that described intelligence wearable device returns.
3. the method for claim 1, it is characterised in that before described first terminal sends read requests to intelligence wearable device, also include:
Described first terminal judges that whether the payment amount involved by described payment processes event is more than default amount；
If more than default amount, then perform described first terminal and send described read requests to intelligence wearable device.
4. method as described in any one in claim 1-3, it is characterised in that also include:
If less than default amount, then described first terminal sends checking information to described second terminal, and described checking information is used for verifying that secure payment processes；
Described first terminal obtains information to be verified, and verifies that whether described information to be verified and described checking information is identical；
If identical, then described first terminal carries out the process of low volume payment funding.
5. a payment processing method, it is characterised in that described method includes:
Intelligence wearable device will be used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, and the corresponding identification information of each digital certificate；
Described intelligence wearable device receives the read requests that first terminal sends, and wherein, described read requests includes identification information, and described read requests is for reading the digital certificate of storage in described intelligence wearable device；
Described intelligence wearable device, according to the identification information in described read requests, obtains the digital certificate corresponding with described identification information in the digital certificate of storage from described intelligence wearable device；
Described intelligence wearable device sends described corresponding with described identification information digital certificate to described first terminal, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding.
6. method as claimed in claim 5, it is characterised in that
The described read requests that described intelligence wearable device receives is the described read requests that described first terminal is sent to described intelligence wearable device by the second terminal；
Described intelligence wearable device sends described corresponding with described identification information digital certificate by described second terminal to described first terminal.
7. a payment processing method, it is characterised in that described method includes:
Second terminal receives the read requests that first terminal sends, and described read requests is for reading the digital certificate of storage in intelligence wearable device；
Described read requests is sent to described intelligence wearable device by described second terminal；
Described second terminal receives described intelligence wearable device and responds the digital certificate that described read requests returns；
Described digital certificate is sent to described first terminal by described second terminal.
8. a payment processes device, it is characterised in that described device includes:
Sending module, for when payment processes event being detected, sending read requests to intelligence wearable device, wherein, described read requests is for reading the digital certificate of storage in described intelligence wearable device；
Acquisition module, responds the digital certificate of the read requests return that described sending module sends for obtaining described intelligence wearable device；
Processing module, carries out payment processes for the digital certificate got according to described acquisition module.
9. device as claimed in claim 8, it is characterised in that
Described sending module, specifically for sending described read requests by the second terminal to described intelligence wearable device；
Described acquisition module, specifically for receiving, by described second terminal, the digital certificate that described intelligence wearable device returns.
10. device as claimed in claim 8, it is characterised in that described device also includes:
Judge module, for judging that whether payment amount involved by described payment processes event is more than default amount；If the judged result of described judge module is more than default amount, then notify described sending module.
11. device as described in any one in claim 8-10, it is characterised in that
Described sending module, if the judged result being additionally operable to described judge module is less than default amount, then sends checking information to described second terminal, and described checking information is used for verifying that secure payment processes；
Described acquisition module, is additionally operable to obtain information to be verified, and verifies that whether described information to be verified and described checking information is identical；
Described processing module, if being additionally operable to described acquisition module, to authenticate to described information to be verified identical with described checking information, then carry out low volume payment funding and process.
12. a payment processes device, it is characterised in that described device includes:
Memory module, for being used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate；
Receiver module, for receiving the read requests that first terminal sends, wherein, described read requests includes identification information, and described read requests is for reading the digital certificate of described memory module storage；
Acquisition module, for the identification information in the read requests that receives according to described receiver module, obtains the digital certificate corresponding with described identification information from the digital certificate that described memory module stores；
Sending module, for sending described corresponding with described identification information digital certificate to described first terminal, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding.
13. device as claimed in claim 12, it is characterised in that
Described receiver module, specifically for receiving the read requests that described first terminal is sent to described intelligence wearable device by the second terminal；
Described sending module, specifically for sending described corresponding with described identification information digital certificate by described second terminal to described first terminal.
14. a payment processes device, it is characterised in that described device includes:
First receiver module, for receiving the read requests that first terminal sends, described read requests is for reading the digital certificate of storage in intelligence wearable device；
First sending module, for being sent to described intelligence wearable device by the read requests that described first receiver module receives；
Second receiver module, responds the digital certificate of the read requests return that described first receiver module receives for receiving described intelligence wearable device；
Second sending module, for being sent to described first terminal by the digital certificate that described second receiver module receives.
15. a terminal, it is characterised in that described terminal includes such as claim 8 to 11, or 12 to 13, or the payment processes device described in any one in 14.
16. a payment processing system, it is characterised in that described system includes intelligence wearable device, first terminal, wherein,
Described first terminal, for when payment processes event being detected, sending read requests to described intelligence wearable device, wherein, described read requests is for reading the digital certificate of storage in described intelligence wearable device；Obtain described intelligence wearable device and respond the digital certificate that described read requests returns；Digital certificate according to described return carries out payment processes.
Described intelligence wearable device, for being used for verifying in the digital certificate store extremely described intelligence wearable device that secure payment processes, wherein, the corresponding identification information of each digital certificate；Receiving the read requests that described first terminal sends, wherein, described read requests includes identification information；According to the identification information in described read requests, from described intelligence wearable device, the digital certificate of storage obtains the digital certificate corresponding with described identification information；Described corresponding with described identification information digital certificate is sent, in order to described first terminal carries out payment processes according to the digital certificate that described and described identification information is corresponding to described first terminal.
17. system as claimed in claim 16, it is characterised in that described system also includes the second terminal, described second terminal respectively with described first terminal and described intelligence wearable device data cube computation, wherein,
Described first terminal, is additionally operable to send described read requests by the second terminal to described intelligence wearable device；The digital certificate that described intelligence wearable device returns is received by described second terminal；
Described intelligence wearable device, is additionally operable to receive the described read requests that described first terminal is sent to described intelligence wearable device by the second terminal；Described corresponding with described identification information digital certificate is sent to described first terminal by described second terminal；
Described second terminal, for receiving the described read requests that described first terminal sends；Described read requests is sent to described intelligence wearable device；Receive described intelligence wearable device and respond the digital certificate that described read requests returns；The digital certificate of described return is sent to described first terminal.
CN201610035976.1A 2016-01-19 2016-01-19 Payment processing method, payment processing device, payment processing terminal, and payment processing system Pending CN105719138A (en)

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Application publication date: 20160629