CN105976178A - Electronic payment method and device - Google Patents
Electronic payment method and device Download PDFInfo
- Publication number
- CN105976178A CN105976178A CN201610341651.6A CN201610341651A CN105976178A CN 105976178 A CN105976178 A CN 105976178A CN 201610341651 A CN201610341651 A CN 201610341651A CN 105976178 A CN105976178 A CN 105976178A
- Authority
- CN
- China
- Prior art keywords
- terminal
- geographic location
- location area
- authentication information
- latitude
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
-
- 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]
- G06Q20/3224—Transactions dependent on location of 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
Abstract
The invention discloses an electronic payment method and device. A terminal detects that a payment operation is initiated, the current location area is acquired, and if the current location area is a preset area, the payment operation is forbidden to prevent the terminal from being operated in a strange location area and to protect the security of user account funds. According to the invention, the payment security is improved.
Description
Technical field
The present invention relates to E-Payment field, particularly relate to a kind of electric paying method and device.
Background technology
Due to popularizing of mobile Internet, user more and more uses smart mobile phone to pay by mails, keeps away
Exempting to carry substantial amounts of cash just can consume, the great convenience brought for user, in existing flow of payments
Cheng Zhong, user opens the payment application installed on mobile phone, shows payment interface, defeated in payment interface
Enter payment cipher, be successfully completed payment flow after server authentication payment cipher, but the mobile phone of user occurs
During loss, lawless person can obtain the payment cipher of user by cell-phone number, thus steals in user account
Fund, the great potential safety hazard of cause the user, therefore it is badly in need of a kind of safer method of payment, comes really
The safety of the fund in guarantor's user account.
Summary of the invention
Embodiment of the present invention technical problem to be solved is, it is provided that a kind of electric paying method and device.
The safety of delivery operation can be improved.
In order to solve above-mentioned technical problem, embodiments provide a kind of electric paying method, including:
When first terminal receives delivery operation, obtain the geographic location area being currently located；
If described geographic location area is predeterminable area, terminate described delivery operation.
Correspondingly, the embodiment of the present invention additionally provides a kind of payment devices, including:
Acquisition module, when being used for receiving delivery operation, obtains the geographic location area being currently located；
Paying and limit module, if being predeterminable area for described geographic location area, terminating described delivery operation.
Implement the embodiment of the present invention, have the advantages that
When terminal detects initiation delivery operation, obtain the geographic location area at current place, if currently
Geographic location area be predeterminable area, forbid carrying out delivery operation, terminal can be prevented to be positioned at strange geography
Region operates, the fund security of protection user account.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to enforcement
In example or description of the prior art, the required accompanying drawing used is briefly described, it should be apparent that, describe below
In accompanying drawing be only some embodiments of the present invention, for those of ordinary skill in the art, do not paying
On the premise of going out creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the structural representation of a kind of payment system that the embodiment of the present invention provides；
Fig. 2 is the schematic flow sheet of a kind of electric paying method that the embodiment of the present invention provides；
Fig. 3 is the structural representation of a kind of payment devices that the embodiment of the present invention provides；
Fig. 4 is another structural representation of a kind of payment devices that the embodiment of the present invention provides.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearly
Chu, be fully described by, it is clear that described embodiment be only a part of embodiment of the present invention rather than
Whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creation
The every other embodiment obtained under property work premise, broadly falls into the scope of protection of the invention.
See Fig. 1, the structural representation of a kind of payment system provided for the embodiment of the present invention, real in the present invention
Executing in example, payment system includes first terminal, server and the second terminal, and the workflow of payment system can
To be:
First terminal and the second terminal are bound in advance, such as, can be bound by cell-phone number, first
Terminal sends geographical position to the second terminal and limits payment instruction, and geographical position limits payment instruction and carries geography
Information, the quantity of geography information can be multiple, such as: geography information is A hotel, B hotel, C joy
Happy city, the second terminal receives geographical position and limits payment instruction, obtains geography information according to electronic chart corresponding
Latitude and longitude coordinates, centered by this latitude and longitude coordinates and the border circular areas of pre-set radius is set to predeterminable area,
Such as, pre-set radius is 30 meters, when first terminal initiates to receive Client-initiated delivery operation, obtains and works as
The geographic location area at front place, if the geographic location area being currently located is predeterminable area, terminates paying
Operation, now first terminal display pays failed information, if it should be noted that the second terminal
Be not turned on geographical position limit payment instruction, then first terminal when carrying out delivery operation according to
Pay flow performing, when first terminal cannot obtain the geographic location area being currently located, such as first terminal
Be set in advance as forbidding detecting current geographical location information, then first terminal is to the second terminal bound in advance
Send authentication information request, server can distribute a checking information give the second terminal, the second terminal receives
After authentication information request, interface shows user prompts the user whether the prompting message of input validation information,
When user's input validation information in the second terminal, the second terminal sends checking information to first terminal, the
One terminal receives checking information, checking information is sent to server and verifies, after server authentication is passed through,
Showing payment cipher inputting interface on first terminal, user completes after inputting correct payment cipher to pay behaviour
Make.
In a kind of possible embodiment of the present invention, after the second terminal receives authentication information request, also
User's input validation information can be asked, after user's input validation information, respectively checking information is sent to
Server and first terminal, first terminal is verified on the server according to the checking information received, is tested
Demonstrate,prove by after perform normal payment flow.
During from above-described embodiment it can be seen that terminal detects initiation delivery operation, obtain current place
Geographic location area, if current geographic location area is predeterminable area, forbids carrying out delivery operation, energy
Prevent from terminal to be positioned at region at strange geography to operate, the fund security of protection user account.
Seeing Fig. 2, the schematic flow sheet of a kind of electric paying method provided for the embodiment of the present invention, at this
In bright embodiment, described method includes:
When S201, first terminal receive delivery operation, obtain the geographic location area being currently located.
Concrete, first terminal Client-initiated delivery operation, such as first terminal detects that user clicks on and props up
When paying button, determining and receive delivery operation, the geography obtaining current place is positioned at region, is specially really
Surely the building being currently located, such as: hotel, hotel or public place of entertainment etc..
If the described geographic location area of S202 is predeterminable area, terminate described delivery operation.
Concrete, if it is predeterminable area that the geography being currently located is positioned at region, first terminal terminates paying behaviour
Make, in payment interface display reminding information, for pointing out user the authority without paying at current region.
During from above-described embodiment it can be seen that terminal detects initiation delivery operation, obtain current place
Geographic location area, if current geographic location area is predeterminable area, forbids carrying out delivery operation, energy
Prevent from terminal to be positioned at region at strange geography to operate, the fund security of protection user account.
Optionally, in a kind of possible embodiment of the present invention, described acquisition is currently located geographical position
Region includes:
Obtain current latitude and longitude coordinates, inquire about the geographic location area corresponding with described latitude and longitude coordinates；Or
Obtain the mark of the current router connected, inquire about the geographical position corresponding with the mark of described router
Region.
Concrete, first terminal can obtain current latitude and longitude coordinates by satellite positioning module, inquires about longitude and latitude
The geographic location area that degree coordinate is corresponding；Or in the case of first terminal connects WLAN, obtain and work as
The mark of the router of front connection, the mark of router can time MAC Address, first terminal is looked into server
Ask the geographic location area that MAC geography is corresponding.
Optionally, in a kind of possible embodiment of the present invention, described first terminal receives payment behaviour
Before work, also include:
Described first terminal receives the geographical position restriction payment instruction that the second terminal bound in advance sends；Its
In, described geographical position limits payment instruction and carries address information；
Obtain the latitude and longitude coordinates corresponding with described address information, and will centered by described latitude and longitude coordinates and
Border circular areas in pre-set radius is set to described predeterminable area.
Concrete, first terminal and the second terminal are bound in advance, such as, bound by cell-phone number,
First terminal sends geographical position to the second terminal and limits payment instruction, and geographical position limits payment instruction and carries
Geography information, the quantity of geography information can be multiple, such as: geography information is D hotel, E hotel, C
Entertainment city, the second terminal receives geographical position and limits payment instruction, obtains geography information pair according to electronic chart
The latitude and longitude coordinates answered, centered by this latitude and longitude coordinates, the border circular areas with pre-set radius is set to preset areas
Territory.
Optionally, in a kind of possible embodiment of the present invention, also include:
If the geographic location area being currently located cannot be obtained, described first terminal sends to described second terminal
Authentication information request；Wherein, described authentication information request is used for asking described second terminal to send authentication information；
When receiving the authentication information that described second terminal sends, and after described authentication information is verified,
Complete payment flow.
When first terminal cannot obtain the geographic location area being currently located, such as first terminal pre-sets
For forbidding detecting current geographical location information, then first terminal sends checking to the second terminal bound in advance
Information request, server can distribute a checking information give the second terminal, the second terminal receives checking information
After request, interface shows user prompts the user whether the prompting message of input validation information, exist user
In second terminal during input validation information, the second terminal sends checking information to first terminal, and first terminal connects
Receive checking information, checking information is sent to server and verifies, after server authentication is passed through, first
Showing payment cipher inputting interface in terminal, user completes delivery operation after inputting correct payment cipher.
In a kind of possible embodiment of the present invention, after the second terminal receives authentication information request, also
User's input validation information can be asked, after user's input validation information, respectively checking information is sent to
Server and first terminal, first terminal is verified on the server according to the checking information received, is tested
Demonstrate,prove by after perform normal payment flow.
In a kind of possible embodiment of the present invention, the second terminal instruction first terminal is opened to pay and is limited
After function, any delivery operation that first terminal is initiated, it is required for the second terminal request checking information,
Payment flow could be normally performed after the second terminal sends checking information and checking Information Authentication is passed through.
Optionally, described authentication information can be character information or graphical information.
See Fig. 3, for the structural representation of a kind of payment devices that the embodiment of the present invention provides, the present invention
The payment devices of embodiment for a kind of electric paying method performing in Fig. 2, involved term and
Process can refer to the description of Fig. 2 embodiment.Payment devices 3 includes: acquisition module 301 and payment limit
Molding block 302.
Acquisition module 301, when being used for receiving delivery operation, obtains the geographic location area being currently located.
Pay and limit module 302, if being predeterminable area for described geographic location area, terminating described payment and grasping
Make.
Optionally, in a kind of possible embodiment of the present invention, acquisition module 301 specifically for:
Obtain current latitude and longitude coordinates, inquire about the geographic location area corresponding with described latitude and longitude coordinates；Or
Obtain the current Router Distinguisher connected, inquire about the geographic location area corresponding with described Router Distinguisher.
Optionally, in a kind of possible embodiment of the present invention, payment devices 3 also includes:
Arranging module, the geographical position sent for receiving the second terminal bound in advance limits payment instruction；
Wherein, described geographical position limits payment instruction and carries address information；
Obtain the latitude and longitude coordinates corresponding with described address information, and will centered by described latitude and longitude coordinates and
Border circular areas in pre-set radius is set to described predeterminable area.
Optionally, in a kind of possible embodiment of the present invention, also include:
Authentication module, if for obtaining the geographic location area being currently located, sending out to described second terminal
Send authentication information request；Wherein, described authentication information request is used for asking described second terminal to send authentication letter
Breath；
When receiving the authentication information that described second terminal sends, and after described authentication information is verified,
Complete payment flow.
Optionally, in a kind of possible embodiment of the present invention, described authentication information can be character letter
Breath or graphical information.
The embodiment of the method for the embodiment of the present invention and Fig. 2 based on same design, its technique effect brought also phase
With, detailed process can refer to the description of embodiment of the method one, and here is omitted.
See Fig. 4, another structural representation of a kind of payment devices provided for the embodiment of the present invention,
In the embodiment of the present invention, payment devices 4 includes processor 401, memorizer 402 and transceiver 403.
Transceiver 403 is used for transceiving data between external equipment.Processor 401 in payment devices 4
Quantity can be one or more.In some embodiments of the present invention, processor 401, memorizer 402 and receipts
Send out device 403 to be connected by bus system or other modes.Payment devices 4 may be used for performing Fig. 2
Shown method.The implication of the term related to about the present embodiment and citing, be referred to Fig. 2 corresponding
Embodiment.Here is omitted.
Wherein, memorizer 402 stores program code.Processor 401 is used for calling in memorizer 402 to be deposited
The program code of storage, is used for performing following operation:
When receiving delivery operation, obtain the geographic location area being currently located；
If described geographic location area is predeterminable area, terminate described delivery operation.
Optionally, processor 401 performs described acquisition and is currently located geographic location area and includes:
Obtain current latitude and longitude coordinates, inquire about the geographic location area corresponding with described latitude and longitude coordinates；Or
Obtain the current Router Distinguisher connected, inquire about the geographic location area corresponding with described Router Distinguisher.
Optionally, processor 401 perform described in receive delivery operation before, also include:
Receive the geographical position restriction payment instruction that the second terminal bound in advance sends；Wherein, described geography
Position limitation payment instruction carries address information；
Obtain the latitude and longitude coordinates corresponding with described address information, and will centered by described latitude and longitude coordinates and
Border circular areas in pre-set radius is set to described predeterminable area.
Optionally, processor 401 is additionally operable to perform:
If the geographic location area being currently located cannot be obtained, described first terminal sends to described second terminal
Authentication information request；Wherein, described authentication information request is used for asking described second terminal to send authentication information；
When receiving the authentication information that described second terminal sends, and after described authentication information is verified,
Complete payment flow.
Optionally, described authentication information can be character information or graphical information.
The embodiment of the present invention additionally provides a kind of terminal including above-mentioned payment devices, terminal include but not
It is limited to carryOr the terminal of other operating system, such as mobile electricity
Words.Can also be other terminal, such as there is Touch sensitive surface (such as, touch-screen display and/or Trackpad)
Laptop computer or panel computer or desk computer.
In the following discussion, a kind of terminal including display and Touch sensitive surface is described.But should manage
Solving, terminal can include other physical user-interface device one or more, such as physical keyboard, mouse and/
Or action bars.
Terminal generally supports multiple application program, such as following in one or more: picture application program,
Present application program, word-processing application, webpage establishment application program, dish editor's application program, electricity
Sub-table application program, game application, telephony application, videoconference application, electronics postal
Application program, photograph management application program, number are supported in part application program, instant message application program, exercise
Word camera application program, digital video camcorder application program, network browsing application program, digital music are broadcast
Put device application program and/or video frequency player application program.
The various application programs that can perform in terminal can use at least one physical user interface shared to set
Standby, such as Touch sensitive surface.One or more functions of Touch sensitive surface and display corresponding information in terminal
Can adjust from a kind of application program and/or be changed to lower a kind of application program and/or in corresponding application programs quilt
Adjust and/or change.So, the shared physical structure (such as Touch sensitive surface) of terminal is available for user
Speech clearly user interface directly perceived supports various application program.
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 computer program and complete to instruct relevant hardware, described program can be stored in a calculating
In machine read/write memory medium, this program is upon execution, it may include such as the flow process of the embodiment of above-mentioned each method.
Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-Only Memory,
Or random store-memory body (Random Access Memory, RAM) etc. ROM).
Above disclosed only one preferred embodiment of the present invention, can not limit this with this certainly
Bright interest field, one of ordinary skill in the art will appreciate that all or part of stream realizing above-described embodiment
Journey, and according to the equivalent variations that the claims in the present invention are made, still fall within the scope that invention is contained.
Claims (10)
1. an electric paying method, it is characterised in that including:
When first terminal receives delivery operation, obtain the geographic location area being currently located；
If described geographic location area is predeterminable area, terminate described delivery operation.
2. the method for claim 1, it is characterised in that described acquisition is currently located geographical position district
Territory includes:
Obtain current latitude and longitude coordinates, inquire about the geographic location area corresponding with described latitude and longitude coordinates；Or
Obtain the current Router Distinguisher connected, inquire about the geographic location area corresponding with described Router Distinguisher.
3. the method for claim 1, it is characterised in that described first terminal receives delivery operation
Before, also include:
Described first terminal receives the geographical position restriction payment instruction that the second terminal bound in advance sends；Its
In, described geographical position limits payment instruction and carries address information；
Obtain the latitude and longitude coordinates corresponding with described address information, and will centered by described latitude and longitude coordinates and
Border circular areas in pre-set radius is set to described predeterminable area.
4. method as claimed in claim 3, it is characterised in that also include:
If the geographic location area being currently located cannot be obtained, described first terminal sends to described second terminal
Authentication information request；Wherein, described authentication information request is used for asking described second terminal to send authentication information；
When receiving the authentication information that described second terminal sends, and after described authentication information is verified,
Complete payment flow.
5. method as claimed in claim 3, it is characterised in that described authentication information can be character information
Or graphical information.
6. a payment devices, it is characterised in that including:
Acquisition module, when being used for receiving delivery operation, obtains the geographic location area being currently located；
Paying and limit module, if being predeterminable area for described geographic location area, terminating described delivery operation.
7. device as claimed in claim 6, it is characterised in that described acquisition module specifically for:
Obtain current latitude and longitude coordinates, inquire about the geographic location area corresponding with described latitude and longitude coordinates；Or
Obtain the current Router Distinguisher connected, inquire about the geographic location area corresponding with described Router Distinguisher.
8. device as claimed in claim 6, it is characterised in that also include:
Arranging module, the geographical position sent for receiving the second terminal bound in advance limits payment instruction；
Wherein, described geographical position limits payment instruction and carries address information；
Obtain the latitude and longitude coordinates corresponding with described address information, and will centered by described latitude and longitude coordinates and
Border circular areas in pre-set radius is set to described predeterminable area.
9. device as claimed in claim 8, it is characterised in that also include:
Authentication module, if for obtaining the geographic location area being currently located, sending out to described second terminal
Send authentication information request；Wherein, described authentication information request is used for asking described second terminal to send authentication letter
Breath；
When receiving the authentication information that described second terminal sends, and after described authentication information is verified,
Complete payment flow.
10. device as claimed in claim 8, it is characterised in that described authentication information can be character letter
Breath or graphical information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610341651.6A CN105976178A (en) | 2016-05-20 | 2016-05-20 | Electronic payment method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610341651.6A CN105976178A (en) | 2016-05-20 | 2016-05-20 | Electronic payment method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105976178A true CN105976178A (en) | 2016-09-28 |
Family
ID=56956753
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610341651.6A Pending CN105976178A (en) | 2016-05-20 | 2016-05-20 | Electronic payment method and device |
Country Status (1)
| Country | Link |
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| CN (1) | CN105976178A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779649A (en) * | 2016-12-21 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Transfer accounts processing method and processing device |
| CN107909368A (en) * | 2017-10-31 | 2018-04-13 | 珠海市魅族科技有限公司 | Pay control method and device, terminal and readable storage medium storing program for executing |
| WO2018145239A1 (en) * | 2017-02-07 | 2018-08-16 | 廖建强 | Electronic payment method and apparatus |
| WO2018232667A1 (en) * | 2017-06-21 | 2018-12-27 | 深圳支点电子智能科技有限公司 | Network payment method and system |
| CN111510862A (en) * | 2020-04-24 | 2020-08-07 | 支付宝(杭州)信息技术有限公司 | Terminal area positioning method and device and electronic equipment |
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| CN104217332A (en) * | 2014-08-29 | 2014-12-17 | 华为技术有限公司 | Payment verification method, server and system |
| CN104700266A (en) * | 2015-03-16 | 2015-06-10 | 深圳酷派技术有限公司 | Safe payment method and safe payment device |
| CN105323294A (en) * | 2014-08-20 | 2016-02-10 | 广东小天才科技有限公司 | Intelligent terminal authority control method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105323294A (en) * | 2014-08-20 | 2016-02-10 | 广东小天才科技有限公司 | Intelligent terminal authority control method and device |
| CN104217332A (en) * | 2014-08-29 | 2014-12-17 | 华为技术有限公司 | Payment verification method, server and system |
| CN104700266A (en) * | 2015-03-16 | 2015-06-10 | 深圳酷派技术有限公司 | Safe payment method and safe payment device |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779649A (en) * | 2016-12-21 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Transfer accounts processing method and processing device |
| WO2018145239A1 (en) * | 2017-02-07 | 2018-08-16 | 廖建强 | Electronic payment method and apparatus |
| WO2018232667A1 (en) * | 2017-06-21 | 2018-12-27 | 深圳支点电子智能科技有限公司 | Network payment method and system |
| CN107909368A (en) * | 2017-10-31 | 2018-04-13 | 珠海市魅族科技有限公司 | Pay control method and device, terminal and readable storage medium storing program for executing |
| CN107909368B (en) * | 2017-10-31 | 2021-11-30 | 珠海市魅族科技有限公司 | Payment control method and device, terminal and readable storage medium |
| CN111510862A (en) * | 2020-04-24 | 2020-08-07 | 支付宝(杭州)信息技术有限公司 | Terminal area positioning method and device and electronic equipment |
| CN111510862B (en) * | 2020-04-24 | 2021-09-21 | 支付宝(杭州)信息技术有限公司 | Terminal area positioning method and device and electronic equipment |
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