CN106127473A - A kind of safe payment method and electronic equipment - Google Patents

A kind of safe payment method and electronic equipment Download PDF

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Publication number
CN106127473A
CN106127473A CN201610506695.XA CN201610506695A CN106127473A CN 106127473 A CN106127473 A CN 106127473A CN 201610506695 A CN201610506695 A CN 201610506695A CN 106127473 A CN106127473 A CN 106127473A
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CN
China
Prior art keywords
application
safety applications
electronic equipment
page
installation kit
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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.)
Pending
Application number
CN201610506695.XA
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Chinese (zh)
Inventor
刘庆平
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Leshi Zhixin Electronic Technology Tianjin Co Ltd
LeTV Holding Beijing Co Ltd
Original Assignee
Leshi Zhixin Electronic Technology Tianjin Co Ltd
LeTV Holding Beijing Co Ltd
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Application filed by Leshi Zhixin Electronic Technology Tianjin Co Ltd, LeTV Holding Beijing Co Ltd filed Critical Leshi Zhixin Electronic Technology Tianjin Co Ltd
Priority to CN201610506695.XA priority Critical patent/CN106127473A/en
Priority to PCT/CN2016/099911 priority patent/WO2018000605A1/en
Publication of CN106127473A publication Critical patent/CN106127473A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326Payment applications installed on the mobile devices
    • G06Q20/3267In-app payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Stored Programmes (AREA)
  • Telephone Function (AREA)

Abstract

The embodiment of the present invention provides a kind of safe payment method and electronic equipment, in order to preferably to ensure the safety of mobile payment, it is characterised in that including: whether the display page of detection the first application jumps to pay the page;Wherein, the first application is any one application installed in electronic equipment;If the display page jump of described first application is to the described payment page, detect whether described first application is safety applications;If described first application is not safety applications, close the described payment page.

Description

A kind of safe payment method and electronic equipment
Technical field
The present embodiments relate to payment technical field, particularly relate to a kind of safe payment method and electronic equipment.
Background technology
Inventor, in realizing process of the present invention, finds that mobile payment mode is just welcome by more and more people, mobile Payment transaction scale is just keeping quickly increasing, but is infected by the virus or the risk of Trojan attack owing to mobile terminal exists, and moves The payment class application installed in dynamic terminal is likely to not be application reliably, so compared with traditional means of payment, mobile payment There is more potential safety hazard, such as, if user is paid by some unsafe application, may result in property and damage Lose.
Summary of the invention
The embodiment of the present invention provides a kind of safe payment method and equipment, in order to preferably to ensure the safety of mobile payment Property.
The embodiment of the present invention provides a kind of safe payment method, including:
Whether the display page of detection the first application jumps to pay the page;Wherein, the first application is for pacifying in electronic equipment Any one application of dress;
If the display page jump of described first application is to the described payment page, detect whether described first application is peace Full application;
If described first application is not safety applications, close the described payment page.
The embodiment of the present invention provides a kind of electronic equipment, including:
First detection module, whether the display page for detection the first application jumps to pay the page;Wherein, first answer With any one application for installing in electronic equipment;
For described first detection module, second detection module, if determining that the display page jump of described first application arrives The described payment page, detects whether described first application is safety applications;
Operation module, if determining that described first application is not safety applications for described second detection module, closes institute State the payment page.
In the embodiment of the present invention, install in the electronic device first application jump to pay the page time, detect this first Whether application is safety applications, if not then closing this payment page, preferably to ensure the safety of payment, it is to avoid maliciously The attack of program, also reduces the property loss of user.
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 embodiment or existing In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is this Some bright embodiments, for those of ordinary skill in the art, on the premise of not paying creative work, it is also possible to root Other accompanying drawing is obtained according to these accompanying drawings.
A kind of possible flow chart of the safe payment method that Fig. 1 provides for the embodiment of the present invention;
A kind of possible structural representation of the electronic equipment that Fig. 2 provides for the embodiment of the present invention;
A kind of possible structured flowchart of the electronic equipment that Fig. 3 provides for the embodiment of the present invention.
Detailed description of the invention
For making the purpose of the embodiment of the present invention, technical scheme and advantage clearer, below in conjunction with the embodiment of the present invention In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is The 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 The every other embodiment obtained under not making creative work premise, broadly falls into the scope of protection of the invention.
It addition, the terms "and/or", a kind of incidence relation describing affiliated partner, expression can exist Three kinds of relations, such as, A and/or B, can represent: individualism A, there is A and B, individualism B these three situation simultaneously.Separately Outward, character "/" herein, in the case of not illustrating, typically represent the forward-backward correlation relation to liking a kind of "or".
In the embodiment of the present invention, electronic equipment can include the different electronic equipment such as mobile phone, panel computer (PAD), only Wanting to use the application installed to carry out paying, the embodiment of the present invention is not restricted.
Referring to Fig. 1, it is provided that a kind of safe payment method, the flow process of the method is described as follows:
Whether the display page of S101: detection the first application jumps to pay the page;Wherein, the first application is electronic equipment Any one application of middle installation;
S102: if the display page jump of the first application is to paying the page, whether detection the first application is safety applications;
S103: if the first application is not safety applications, closes and pay the page.
Optionally, whether the display page of detection the first application jumps to pay the page it can be understood as detection first should Display the page whole jump procedure, namely can display page jump before begin to detection, then preferably Scheme is it may be that start in time paying page jump at the display page the first application being detected, it is possible to perform step S102. It is of course also possible to be to be in time paying during page jump at the display page the first application being detected to perform step S102, or can also be to have performed step S102 after the display page the first application being detected has jumped to pay the page.Extremely Redirecting situation in how to detect the page, be prior art well known to those skilled in the art, here is omitted.
Optionally, safety applications can include that identification information is positioned at the application of default white list.
Whether detection the first application is safety applications, can be by judging whether the first identification information applied is positioned at default White list in mode detect, if the identification information of the first application is not in white list, then may determine that the One application is not safety applications, if the identification information of the first application is positioned in white list, then may determine that the first application is for peace Full application.Optionally, the identification information of application can include the title of application, or can include the identity number of application (Identification, ID), or other the most possible information that can be identified for that the first application can also be included.Optional , white list can store in the electronic device, and white list includes the identification information which is applied, such as, can be set by electronics For determining voluntarily, such as, if the application downloaded from default regular website, then its identification information can be added by electronic equipment In white list, or the identification information in white list can also be set by the user, and such as user can will identify oneself safe The identification information of application adds in white list, such as, can include that some are common and are regarded by the user as reliable Net silver or payment Class is applied, such as Alipay application, the application of Web bank of XX bank etc., it is also possible to include online off-line (Online To Offline, O2O) consumer application, such as Baidu's take-away, the take-away of U.S. group etc..
Use and judge whether the first identification information applied is positioned at the method for white list and determines that whether the first application is Safety applications, fairly simple, user can be stoped to use the insecure application installed on electronic equipment to complete to pay.
Or optional, safety applications can include identification information is positioned at default white list and installation kit signature Application for legitimate signature.
Whether detection the first application is safety applications, can first judge whether the identification information of the first application is positioned at default In white list, if the identification information of the first application is not in white list, then may determine that the first application is not that safety should With, if the identification information of the first application is positioned in white list, then can continue to judge the installation kit signature of the first application and the The legal installation kit signature of one application is the most consistent, the legal installation kit with the first application if the installation kit of the first application is signed Sign inconsistent, then may determine that the first application is not safety applications, if the installation kit signature of the first application and the first application Legal installation kit signature consistent, then may determine that the first application is safety applications.In general, an application can have difference Version, this different version can corresponding different installation kit, some of which installation kit is it can be appreciated that AKU, each Installation kit can have respective legitimate signature, each legitimate signature can be referred to as an installation kit legitimate signature.Electronics sets The installation kit legitimate signature of the standby all or part of version that can store whole application or the certain applications installed in electronic equipment (if the installation kit legitimate signature of part version, generally comprise the installation kit legitimate signature of latest edition), such as electronics sets The installation kit legitimate signature of the standby multiple versions storing the first application, then it is current that electronic equipment can obtain the first application Installation kit is signed, and it is compared with the installation kit legitimate signature of multiple versions of the first application of storage, if first Apply current installation kit signature and at least one peace in the installation kit legitimate signature of multiple versions of the first application of storage Dress bag legitimate signature is consistent, then electronic equipment may determine that the current installation kit signature of the first application and the legal peace of the first application Dress packet signature is consistent, it may be determined that the first application is safety applications, and if first applies current installation kit signature and storage First application multiple versions installation kit legitimate signature in all installation kit legitimate signatures the most inconsistent, then electronic equipment May determine that the first application current installation kit signature and first application legal installation kit signature inconsistent, it may be determined that first Application is not safety applications.
Such as, if mobile phone installation is Android (Android) system, then the installation kit signature of the first application can be Android installation kit (Android Package, APK) is signed.The APK signature of each Android application is unique, even if one The identification information of individual Android application is forged by the application of another Android, and the APK signature of this Android application is general also will not be by separately One Android application is forged.Therefore, use APK signature judge first apply be whether safety applications be a kind of reliable hands Section, it can be determined that go out whether the first application is tampered.Optionally, the legal installation kit signature of the first application can include from first The installation kit signature of the first application of the multiple versions downloaded in the official website of application.
Optionally, if it is determined that the first application is safety applications, then can also continue to detect what electronic equipment had been turned on In application, other application in addition to the first application are the most all safety applications, and detection mode is referred to such as the inspection of front introduction Survey the mode whether the first application is safety applications.If there is at least one application in other application having been turned on is not safety Application, then can close be not safety applications at least one application, to ensure safety of payment further.
Use the safe payment method that the embodiment of the present invention provides, except may insure that the application carrying out paying is that safety should Outside with, it is also possible to guarantee that the application that electronic equipment starts in payment process is all safety applications, thus carry out propping up user Fu Shi, can avoid because of the attack of the swindle class of the virus of PI, wooden horse or installation on electronic equipment application as far as possible Cause monetary losses.
Optionally, if first application be not safety applications, then electronic equipment except can close payment the page in addition to, Information can also be generated, such as, this information is referred to as the first information, may be used for pointing out the first application abnormal, Thus user could be aware that being because what reason causes paying, to take appropriate measures as early as possible.Such as, electronic equipment Can be by the first information prompting user, the first application is the application downloaded from illegal channels, it is proposed that use from regular canal The application that road is downloaded pays, etc..The way of output embodiment of the present invention for the first information is not restricted, such as Can be exported by display mode, such as can show the prompting frame including word content, or voice side can be passed through Formula exports, or can also export by the way of other are possible.
Optionally, if there is at least one application in the application having been turned on is not safety applications, then electronic equipment except Can close outside at least one application, it is also possible to generate information, such as, this information is referred to as the second information, May be used for prompting and close the reason etc. of at least one application.The contents such as the way of output about the second information, refer to Introduction for the first information.
Optionally, if there is at least one application in the application having been turned on is not safety applications, electronic equipment can close Close at least one application.And although some application is not the safety applications that electronic equipment is thought, as long as but may be not related to Payment process, user still can be continuing with this kind of application.Therefore, the use of user for convenience, electronic equipment can be right The payment process of the first application is monitored, if payment process completes, then electronic equipment can restart and close before At least one application closed, it is not necessary to user manually boots these application again, reduces the operating procedure of user, is also guaranteeing safety While improve Consumer's Experience.
In order to be more fully understood that the safe payment method that the embodiment of the present invention is provided, a concrete enforcement is described below Example.
Such as, electronic equipment can be mobile phone, and the operating system that electronic equipment is used is Android system.Mobile phone is periodically Or detect in the application installed in mobile phone whether have any one display page jump applied to paying the page in real time, such as examine The display page measuring application 1 starts to paying page jump, then whether the identification information detecting this application 1 is positioned at white list In, whether the title " 1 " that such as can detect this application is positioned in white list, if the title of this application 1 " 1 " is not at white list In, then mobile phone may determine that application 1 is not safety applications, and mobile phone can cut out application 1, it is possible to generates the first information, First information can point out user, and the application 1 that mobile phone is installed is the application downloaded from illegal channels, it is proposed that use from just The application that rule channel is downloaded pays.
If the title " 1 " of application 1 is positioned in white list, then can continuing signs the APK of this application 1 deposits in mobile phone The APK legitimate signature of application 1 of multiple versions of storage contrasts, if the APK signature of this application with in mobile phone storage should All APK legitimate signatures with 1 are the most inconsistent, then mobile phone may determine that application 1 is not safety applications, and mobile phone can cut out application 1, it is possible to generate the first information to point out user, the application 1 that mobile phone is installed is the application downloaded from illegal channels, builds View uses the application downloaded from regular channel to pay.
If the APK signature of application 1 and at least one APK in the APK legitimate signature of multiple application 1 of storage in mobile phone Legitimate signature is consistent, then mobile phone determines that application 1 is for safety applications.Mobile phone can detect further mobile phone has been turned on other should Title whether be respectively positioned in white list, if having been turned on other application in exist at least one application title not in vain In list, then mobile phone may determine that at least one application is not safety applications, can close this at least one application.For opening The application that other dynamic titles are positioned in white list, mobile phone can be further by the APK signature of each application in these application Contrast with the APK legitimate signature of this application of multiple versions of storage in mobile phone, so that it is determined that whether these application have Whether a little application are not safety applications, in a word, detect mode and the detection first whether these application are safety applications and apply and be The mode of safety applications is consistent, seldom repeats, if there is not being the application of safety applications, then mobile phone can close these should With, to ensure safety of payment.
Mobile phone can monitor payment process, if payment process terminates, then mobile phone restarts other application pent, with User-friendly.
Refer to Fig. 2, it is provided that a kind of electronic equipment, including memorizer 201 and processor 202, memorizer 201 and processor 202 can be connected by bus 200, or can also be connected by special connecting line.To be connected by bus 200 in Fig. 2 As a example by.
Memorizer 201, performs the instruction of required by task for storing processor 202;
Processor 202, for performing the instruction that memorizer 201 is stored:
Whether the display page of detection the first application jumps to pay the page;Wherein, the first application is for pacifying in electronic equipment Any one application of dress;If the display page jump of the first application is to paying the page, whether detection the first application is safety Application;If the first application is not safety applications, closes and pay the page.
Optionally, processor 202 can be also used for:
After whether detection the first application is safety applications, if the first application is safety applications, detect electronic equipment In in addition to the first application other application of having been turned on be the most all safety applications;If have been turned on other application in exist to A few application is not safety applications, closes at least one application.
Optionally, whether processor 202 is safety applications for detection the first application, may include that
Judge whether the first identification information applied is positioned in default white list;If the identification information of the first application is positioned at In white list, it is determined that the first application is safety applications.
Optionally, processor 202 can be also used for:
Before determining that the first application is safety applications, it is judged that the installation kit signature of the first application is legal with the first application Installation kit signature is the most consistent;If the installation kit signature of the first application is consistent, the most really with the legal installation kit signature of the first application Fixed first application is safety applications.
Optionally, processor 202 can be also used for:
After closing at least one application, whether detection payment process completes;If payment process completes, again open At least one application dynamic.
Refer to Fig. 3, it is provided that a kind of electronic equipment, including:
First detection module 301, whether the display page for detection the first application jumps to pay the page;Wherein, One application is any one application installed in electronic equipment;
For first detection module 301, second detection module 302, if determining that the display page jump of the first application is to propping up Paying the page, whether detection the first application is safety applications;
Operation module 303, if determining that the first application is not safety applications for the second detection module 302, closing and paying The page.
Optionally,
Second detection module 302 can be also used for: after whether detection the first application is safety applications, if first should With being safety applications, other application having been turned in addition to the first application in detection electronic equipment is the most all safety applications;
Operation module 303 can be also used for: if the second detection module 302 determine have been turned on other application in exist to A few application is not safety applications, closes at least one application.
Optionally, the second detection module 302 can be also used for: judges whether the first identification information applied is positioned at default In white list;If the identification information of the first application is positioned in white list, it is determined that the first application is safety applications.
Optionally, the second detection module 302 can be also used for:
Before determining that the first application is safety applications, it is judged that the installation kit signature of the first application is legal with the first application Installation kit signature is the most consistent;If the installation kit signature of the first application is consistent, the most really with the legal installation kit signature of the first application Fixed first application is safety applications.
Optionally,
First detection module 301 can be also used for: after closing at least one application, detection payment process is the completeest Become;
Operation module 303 can be also used for: if first detection module 301 determines that payment process completes, restarts At least one application described.
Optionally, first detection module the 301, second detection module 302 and the entity device of operation module 303 correspondence To be the processor 202 in Fig. 2.
The safe payment method that the embodiment of the present invention provides, it is possible to use the non-security of installation on electronic equipment to answer user Application complete pay before, forced termination pay, prevent user because use non-security application carry out paying and causing Monetary losses.
Device embodiment described above is only schematically, and the wherein said unit illustrated as separating component can To be or to may not be physically separate, the parts shown as unit can be or may not be physics list Unit, i.e. may be located at a place, or can also be distributed on multiple NE.Can be selected it according to the actual needs In some or all of module realize the purpose of the present embodiment scheme.Those of ordinary skill in the art are not paying creativeness Work in the case of, be i.e. appreciated that and implement.
Through the above description of the embodiments, those skilled in the art it can be understood that to each embodiment can The mode adding required general hardware platform by software realizes, naturally it is also possible to pass through hardware.Based on such understanding, on State the part that prior art contributes by technical scheme the most in other words to embody with the form of software product, should Computer software product can store in a computer-readable storage medium, such as ROM/RAM, magnetic disc, CD etc., including some fingers Make with so that a computer equipment (can be personal computer, server, or the network equipment etc.) performs each and implements The method described in some part of example or embodiment.
Last it is noted that above example is only in order to illustrate technical scheme, it is not intended to limit;Although With reference to previous embodiment, the present invention is described in detail, it will be understood by those within the art that: it still may be used So that the technical scheme described in foregoing embodiments to be modified, or wherein portion of techniques feature is carried out equivalent; And these amendment or replace, do not make appropriate technical solution essence depart from various embodiments of the present invention technical scheme spirit and Scope.

Claims (10)

1. a safe payment method, it is characterised in that including:
Whether the display page of detection the first application jumps to pay the page;Wherein, the first application is installation in electronic equipment Any one application;
If the display page jump of described first application is to the described payment page, detect whether described first application is that safety should With;
If described first application is not safety applications, close the described payment page.
Safe payment method the most according to claim 1, it is characterised in that whether apply in detection described first is safety After application, also include:
If described first application be safety applications, detect in described electronic equipment except described first apply in addition to have been turned on its Its application is the most all safety applications;
If there is at least one application in other application having been turned on described in is not safety applications, and described in closedown, at least one should With.
Safe payment method the most according to claim 1 and 2, it is characterised in that detect whether described first application is peace Full application, including:
Judge whether the identification information of described first application is positioned in default white list;
If the identification information of described first application is positioned in described white list, it is determined that described first application is safety applications.
Safe payment method the most according to claim 3, it is characterised in that determining that described first application is safety applications Before, also include:
Judge that the installation kit signature of described first application is the most consistent with the legal installation kit signature of described first application;
If the installation kit signature of described first application is signed consistent with the legal installation kit of described first application, it is determined that described the One application is safety applications.
Safe payment method the most according to claim 2, it is characterised in that after closing at least one application described, Also include:
Whether detection payment process completes;
If described payment process completes, restart at least one application described.
6. an electronic equipment, including:
First detection module, whether the display page for detection the first application jumps to pay the page;Wherein, the first application is Any one application installed in electronic equipment;
For described first detection module, second detection module, if determining that the display page jump of described first application is to described Pay the page, detect whether described first application is safety applications;
Operation module, if determining that described first application is not safety applications for described second detection module, closes described Pay the page.
Electronic equipment the most according to claim 6, it is characterised in that
Described second detection module is additionally operable to: after whether described first application of detection is safety applications, if described first Application is safety applications, and detecting other application having been turned in addition to described first application in described electronic equipment is the most all peace Full application;
Described operation module is additionally operable to: if described second detection module determine described in have been turned on other application in exist at least One application is not safety applications, closes at least one application described.
8. according to the electronic equipment described in claim 6 or 7, it is characterised in that described second detection module is used for:
Judge whether the identification information of described first application is positioned in default white list;
If the identification information of described first application is positioned in described white list, it is determined that described first application is safety applications.
Electronic equipment the most according to claim 8, it is characterised in that described second detection module is additionally operable to:
Before determining that described first application is for safety applications, it is judged that the installation kit signature of described first application should with described first Legal installation kit signature the most consistent;
If the installation kit signature of described first application is signed consistent with the legal installation kit of described first application, it is determined that described the One application is safety applications.
Electronic equipment the most according to claim 7, it is characterised in that
Described first detection module is additionally operable to: after closing at least one application described, whether detection payment process completes;
Described operation module is additionally operable to: if described first detection module determines that described payment process completes, restart institute State at least one application.
CN201610506695.XA 2016-06-30 2016-06-30 A kind of safe payment method and electronic equipment Pending CN106127473A (en)

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PCT/CN2016/099911 WO2018000605A1 (en) 2016-06-30 2016-09-23 Secure payment method and electronic device

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