CN106327197A - Payment device, terminal and payment method - Google Patents
Payment device, terminal and payment method Download PDFInfo
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- CN106327197A CN106327197A CN201610715736.6A CN201610715736A CN106327197A CN 106327197 A CN106327197 A CN 106327197A CN 201610715736 A CN201610715736 A CN 201610715736A CN 106327197 A CN106327197 A CN 106327197A
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- 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
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The invention discloses a payment device, a terminal and a payment method. The method comprises the steps that the transaction amount of the current transaction is acquired; whether password-free payment of the current transaction can be performed is judged according to the stored preset password-free payment limit, and payment of the current transaction is performed; and when password-free payment of the current transaction cannot be performed and payment is successful, the transaction amount of the current transaction is set as the password-free payment limit within the preset time. The password-free payment limit is managed through the actual consumption situation so that the function of automatically updating the password-free payment limit can be realized, users do not need to manually set the limit and the limit is automatically updated according to the actual consumption situation, and thus the problem that the existing password-free payment limit is a fixed value can be solved and the usage experience of the users can be enhanced.
Description
Technical Field
The invention relates to the field of terminal payment, in particular to a payment device, a terminal and a payment method.
Background
With the popularization of terminal payment, users are also more inclined to terminal payment, but like traditional payment, each payment requires the user to input a payment password, and the use experience of the user is influenced, so how to enhance the use experience of the user on the premise of ensuring the safety of the terminal payment is always a problem needing important attention.
The prior art provides the function of the password-free payment limit, when the transaction amount is lower than the limit, the user is not required to input a password, and the user is required to input the password when the transaction amount is higher than the limit. The function has the problems that a user often sets a fixed and small secret-free limit amount to avoid large fund loss caused by terminal loss, when the user conducts consumption such as supermarket shopping, the transaction amount is generally larger than the secret-free limit amount, the user needs to input a password, and the user experience is reduced.
Disclosure of Invention
The invention mainly aims to provide a payment device, a terminal and a payment method, and aims to solve the problem that the existing secret-free payment limit is a fixed value.
To achieve the above object, the present invention provides a payment apparatus, including:
the acquisition module is used for acquiring the transaction amount of the current transaction;
the payment module is used for judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit and paying the current transaction;
and the management module is used for setting the transaction amount of the current transaction as the secret-free payment limit within the current preset time when the current transaction can not be subjected to secret-free payment and the payment is successful.
In some embodiments, the payment module is configured to determine that the current transaction can be subjected to the secret-free payment when the transaction amount of the current transaction is not greater than the preset secret-free payment limit, and determine that the current transaction cannot be subjected to the secret-free payment when the transaction amount of the current transaction is greater than the preset secret-free payment limit.
In some embodiments, the obtaining module is further configured to obtain a transaction scenario and/or user characteristic information of the current transaction; the payment module is used for judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
In some embodiments, the system further comprises a storage module, and the storage module is configured to update the transaction scenario and/or the user characteristic information of the current transaction to a transaction scenario commonly used by the user and user characteristic information of a legitimate user after the payment of the current transaction is successful.
The invention also provides a terminal which comprises the payment device provided by the embodiment of the invention.
The invention also provides a payment method, which comprises the following steps:
acquiring the transaction amount of the current transaction;
judging whether the current transaction can be subjected to secret-free payment according to the stored preset secret-free payment limit, and paying the current transaction;
and when the current transaction cannot be subjected to secret-free payment and the payment is successful, setting the transaction amount of the current transaction as a secret-free payment limit within the current preset time.
In some embodiments, determining whether the current transaction can be paid for a secret-free payment based on the stored preset secret-free payment limit comprises:
judging whether the transaction amount of the current transaction is larger than a preset password-free payment limit or not;
if the transaction amount of the current transaction is not more than the preset password-free payment limit, judging that the current transaction can be subjected to password-free payment;
and if the transaction amount of the current transaction is larger than the preset password-free payment limit, judging that the password-free payment cannot be carried out on the current transaction.
In some embodiments, further comprising: acquiring a transaction scene and/or user characteristic information of a current transaction; and judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
In some embodiments, further comprising: and after the current transaction payment is successful, updating the transaction scene and/or the user characteristic information of the current transaction into the transaction scene commonly used by the user and the user characteristic information of the legal user.
In some embodiments, the transaction scenario includes at least one of location information of the consumption scenario, WiFi information of the terminal connection, payment device information.
According to the payment method provided by the embodiment of the invention, the limit of the password-free payment is managed through the actual consumption condition, for example, when the current transaction cannot be subjected to the password-free payment (namely the transaction amount is larger than the limit of the password-free payment) and the payment is successful, the transaction amount of the current transaction is set to be the limit of the password-free payment within the current preset time, so that the function of automatically updating the limit of the password-free payment within the preset time is realized, the limit does not need to be manually set by a user any more, the payment method can be automatically updated according to the actual consumption condition, the problem that the limit of the existing password-free payment is a fixed value is solved, and the use experience of the user is enhanced.
Drawings
Fig. 1 is a schematic diagram of a hardware structure of an alternative mobile terminal for implementing various embodiments of the present invention;
FIG. 2 is a diagram of a wireless communication system for the mobile terminal shown in FIG. 1;
fig. 3 is a schematic structural diagram of the payment device according to the first to third embodiments of the present invention;
fig. 4 is a schematic structural diagram of the terminal of the present invention;
FIG. 5 is a flow chart of a first embodiment of a payment method of the present invention;
FIG. 6 is a flow chart of a second embodiment of a payment method of the present invention;
fig. 7 is a schematic diagram of a password-free payment limit according to an embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
A mobile terminal implementing various embodiments of the present invention will now be described with reference to the accompanying drawings. In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in themselves. Thus, "module" and "component" may be used in a mixture.
The mobile terminal may be implemented in various forms. For example, the terminal described in the present invention may include a mobile terminal such as a mobile phone, a smart phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a navigation device, and the like, and a stationary terminal such as a digital TV, a desktop computer, and the like. In the following, it is assumed that the terminal is a mobile terminal. However, it will be understood by those skilled in the art that the configuration according to the embodiment of the present invention can be applied to a fixed type terminal in addition to elements particularly used for moving purposes.
Fig. 1 is a schematic diagram of a hardware structure of an optional mobile terminal for implementing various embodiments of the present invention.
The mobile terminal 100 may include a wireless communication unit 110, a user input unit 120, an output unit 130, a memory 140, a controller 150, and a power supply unit 160, etc. Fig. 1 illustrates a mobile terminal having various components, but it is to be understood that not all illustrated components are required to be implemented, and that more or fewer components may instead be implemented, the elements of the mobile terminal being described in detail below.
The wireless communication unit 110 typically includes one or more components that allow radio communication between the mobile terminal 100 and a wireless communication system or network to download applications and the like. For example, the wireless communication unit may include at least one of a mobile communication module 111 and a wireless internet module 112.
The mobile communication module 111 transmits and/or receives radio signals to and/or from at least one of a base station (e.g., access point, node B, etc.), an external terminal, and a server. Such radio signals may include voice call signals, video call signals, or various types of data transmitted and/or received according to text and/or multimedia messages.
The wireless internet module 112 supports wireless internet access of the mobile terminal. The module may be internally or externally coupled to the terminal. The wireless internet access technology related to the module may include WLAN (wireless LAN) (Wi-Fi), Wibro (wireless broadband), Wimax (global microwave internet access), HSDPA (high speed downlink packet access), and the like, may be used to perform terminal location, and the like, and may also be used to receive transaction data, such as a transaction amount and a transaction scenario of a current transaction.
The user input unit 120 may generate key input data to control various operations of the mobile terminal according to a command input by a user. The user input unit 120 allows a user to input various types of information, and may include a keyboard, dome sheet, touch pad (e.g., a touch-sensitive member that detects changes in resistance, pressure, capacitance, and the like due to being touched), a jog wheel, a camera, and the like. In particular, when the touch pad is superimposed on the display module 131 in the form of a layer, a touch screen may be formed. In the embodiment of the present invention, the user input unit 120 is mainly used to obtain user characteristic information, such as a human face, a fingerprint, and the like.
The output unit 130 may include a display module 131 and the like. The display module 131 may display information processed in the mobile terminal 100. For example, when the mobile terminal 100 is in a phone call mode, the display module 131 may display a User Interface (UI) or a Graphical User Interface (GUI) related to a call or other communication (e.g., text messaging, multimedia file downloading, etc.). When the mobile terminal 100 is in a video call mode or an image capturing mode, the display module 131 may display a captured image and/or a received image, a UI or GUI showing a video or an image and related functions, and the like.
Meanwhile, when the display module 131 and the touch panel are stacked on each other in the form of layers to form a touch screen, the display module 131 may function as an input device and an output device. The display module 131 may include at least one of a Liquid Crystal Display (LCD), a thin film transistor LCD (TFT-LCD), an Organic Light Emitting Diode (OLED) display, a flexible display, a three-dimensional (3D) display, and the like. Some of these displays may be configured to be transparent to allow a user to view from the outside, which may be referred to as transparent displays, and a typical transparent display may be, for example, a TOLED (transparent organic light emitting diode) display or the like. The mobile terminal 100 may include two or more display modules (or other display devices) according to a particular desired implementation, for example, the mobile terminal may include an external display module (not shown) and an internal display module (not shown). The touch screen may be used to detect a touch input pressure as well as a touch input position and a touch input area.
The memory 140 may store software programs or the like that control the processing and control operations performed by the controller 150, or may temporarily store data that has been or is to be output (e.g., a list of junk files, a list of system files/encrypted files, a list of whitelisted objects, etc.). Also, the memory 140 may store data regarding various ways of vibration and audio signals output when a touch is applied to the touch screen.
The memory 140 may include at least one type of storage medium including a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and so on. Also, the mobile terminal 100 may cooperate with a network storage device that performs a storage function of the memory 140 through a network connection.
The controller 150 generally controls the overall operation of the mobile terminal. For example, the controller 150 performs control and processing related to voice calls, data communications, video calls, and the like. In addition, the controller 150 may include a multimedia module 151 for reproducing (or playing back) multimedia data, and the multimedia module 151 may be constructed within the controller 150 or may be constructed separately from the controller 150. The controller 150 may perform a pattern recognition process to recognize a handwriting input or a picture drawing input performed on the touch screen as a character or an image. In the present invention, the controller 150 may implement the functions of the acquisition module 31, the payment module 32, and the management module 33.
The power supply unit 160 receives external power or internal power and provides appropriate power required to operate the respective elements and components under the control of the controller 150.
The various embodiments described herein may be implemented in a computer-readable medium using, for example, computer software, hardware, or any combination thereof. For a hardware implementation, the embodiments described herein may be implemented using at least one of an Application Specific Integrated Circuit (ASIC), a Digital Signal Processor (DSP), a Digital Signal Processing Device (DSPD), a Programmable Logic Device (PLD), a Field Programmable Gate Array (FPGA), a processor, a controller, a microcontroller, a microprocessor, an electronic unit designed to perform the functions described herein, and in some cases, such embodiments may be implemented in the controller 150. For a software implementation, the implementation such as a process or a function may be implemented with a separate software module that allows performing at least one function or operation. The software codes may be implemented by software applications (or programs) written in any suitable programming language, which may be stored in memory 140 and executed by controller 150.
Up to this point, mobile terminals have been described in terms of their functionality. Hereinafter, a slide-type mobile terminal among various types of mobile terminals, such as a folder-type, bar-type, swing-type, slide-type mobile terminal, and the like, will be described as an example for the sake of brevity. Accordingly, the present invention can be applied to any type of mobile terminal, and is not limited to a slide type mobile terminal.
The mobile terminal 100 as shown in fig. 1 may be configured to operate with communication systems such as wired and wireless communication systems and satellite-based communication systems that transmit data via frames or packets.
A communication system in which a mobile terminal according to the present invention is operable will now be described with reference to fig. 2.
Such communication systems may use different air interfaces and/or physical layers. For example, the air interface used by the communication system includes, for example, Frequency Division Multiple Access (FDMA), Time Division Multiple Access (TDMA), Code Division Multiple Access (CDMA), and Universal Mobile Telecommunications System (UMTS) (in particular, Long Term Evolution (LTE)), global system for mobile communications (GSM), and the like. By way of non-limiting example, the following description relates to a CDMA communication system, but such teachings are equally applicable to other types of systems.
Referring to fig. 2, the CDMA wireless communication system may include a plurality of mobile terminals 100, a plurality of Base Stations (BSs) 270, Base Station Controllers (BSCs) 275, and a Mobile Switching Center (MSC) 280. The MSC280 is configured to interface with a Public Switched Telephone Network (PSTN) 290. The MSC280 is also configured to interface with a BSC275, which may be coupled to the base station 270 via a backhaul. The backhaul may be constructed according to any of several known interfaces including, for example, E1/T1, ATM, IP, PPP, frame Relay, HDSL, ADSL, or xDSL. It will be understood that a system as shown in fig. 2 may include multiple BSCs 275.
Each BS270 may serve one or more sectors (or regions), each sector covered by a multi-directional antenna or an antenna pointing in a particular direction being radially distant from the BS 270. Alternatively, each partition may be covered by two or more antennas for diversity reception. Each BS270 may be configured to support multiple frequency allocations, with each frequency allocation having a particular frequency spectrum (e.g., 1.25MHz,5MHz, etc.).
The intersection of partitions with frequency allocations may be referred to as a CDMA channel. The BS270 may also be referred to as a Base Transceiver Subsystem (BTS) or other equivalent terminology. In such a case, the term "base station" may be used to generically refer to a single BSC275 and at least one BS 270. The base stations may also be referred to as "cells". Alternatively, each sector of a particular BS270 may be referred to as a plurality of cell sites.
As shown in fig. 2, a Broadcast Transmitter (BT)295 transmits a broadcast signal to the mobile terminal 100 operating within the system. In fig. 2, several Global Positioning System (GPS) satellites 300 are shown. The satellite 300 assists in locating at least one of the plurality of mobile terminals 100.
In fig. 2, a plurality of satellites 300 are depicted, but it is understood that useful positioning information may be obtained with any number of satellites. Other techniques that can track the location of the mobile terminal may be used instead of or in addition to GPS tracking techniques. In addition, at least one GPS satellite 300 may selectively or additionally process satellite DMB transmission.
As a typical operation of the wireless communication system, the BS270 receives reverse link signals from various mobile terminals 100. The mobile terminal 100 is generally engaged in conversations, messaging, and other types of communications. Each reverse link signal received by a particular base station 270 is processed within the particular BS 270. The obtained data is forwarded to the associated BSC 275. The BSC provides call resource allocation and mobility management functions including coordination of soft handoff procedures between BSs 270. The BSCs 275 also route the received data to the MSC280, which provides additional routing services for interfacing with the PSTN 290. Similarly, the PSTN290 interfaces with the MSC280, the MSC interfaces with the BSCs 275, and the BSCs 275 accordingly control the BS270 to transmit forward link signals to the mobile terminal 100.
Based on the above mobile terminal hardware structure and communication system, various embodiments of the present invention are proposed.
As shown in fig. 3, a first embodiment of the payment apparatus of the present invention is proposed based on the above-mentioned mobile terminal hardware structure and communication system, and specifically, the payment apparatus provided by the present invention includes:
the obtaining module 31 is configured to obtain a transaction amount of a current transaction.
The payment module 32 is used for judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit and paying the current transaction; whether the current transaction can be subjected to the password-free payment is judged mainly according to whether the transaction amount of the current transaction is larger than a preset password-free payment limit.
And the management module 33 is configured to set the transaction amount of the current transaction as the limit of the secret-free payment within the current preset time when the current transaction cannot be paid for the secret-free payment and the payment is successful.
When the current transaction can not be paid without secret, the user must input a corresponding password to pay, if the payment is successful, the user inputting the password is a legal user, so that the payment of the legal user is facilitated and the payment safety is ensured, the transaction amount of which is lower than the transaction amount of the current transaction can be set within the current preset time without inputting the password, namely the transaction amount of the current transaction is set to be the payment limit without secret within the current preset time. The preset time can be freely set by a user, but in order to ensure safety, the preset time is not suitable to be set too long.
In practical applications, the payment module 32 is configured to determine that the current transaction can be subjected to the secret-free payment when the transaction amount of the current transaction is not greater than the preset secret-free payment limit, and determine that the current transaction cannot be subjected to the secret-free payment when the transaction amount of the current transaction is greater than the preset secret-free payment limit.
In practical applications, the current transaction may refer to all types of transactions that occur in the terminal, such as a transaction performed using a payment function provided by application software such as a WeChat payment, a WeChat transfer, a Payment treasure payment, and the like, or a transaction performed through a Near Field Communication function provided by the terminal device, such as NFC (Near Field Communication) or radio frequency card swiping, or other payment functions, such as a contact card swiping function.
In practical application, the current transaction can enjoy certain preferential benefits, such as random discount, voucher, red packet and the like, at this time, the transaction amount can refer to the original transaction amount, can also be the actual transaction amount which actually occurs, and can be automatically set or set by a user according to actual conditions.
As a simple example, after 85 yuan is consumed and randomly subtracted in a supermarket by a user, 79 yuan is actually consumed (i.e., 6 yuan is immediately subtracted), that is, the original transaction amount is 85 and the actual transaction amount is 79, and if the preset password-free payment limit set by the user is 80 yuan, at this time, the transaction amount uses different setting methods, so that the payment module 32 executes different payment processes. For example, when the transaction amount is on time with the actual transaction amount, because the transaction amount of the current transaction is not greater than the preset password exemption payment limit, it is determined that the current transaction can be subjected to the password exemption payment, the payment is directly performed without inputting a password by the user, when the transaction amount is on time with the original transaction amount, because the transaction amount of the current transaction is greater than the preset password exemption payment limit, it is determined that the current transaction cannot be subjected to the password exemption payment, the user is required to input the password, and then the management module 33 is caused to update the password exemption payment limit within the current preset time from 80 yuan to 85 yuan, that is, the transaction amount within the current preset time is less than 85 yuan, the password does not need to be input, the preset time can be freely set by the user, but the preset time is not set too long to ensure safety.
Through the embodiment, when the current transaction cannot be subjected to the secret-free payment and the payment is successful, the transaction amount of the current transaction is set to be the secret-free payment limit within the current preset time, so that the payment safety is ensured, and the payment of a user can be facilitated.
Further, a second embodiment of the payment apparatus of the present invention is proposed, as shown in fig. 3, the second embodiment is different from the first embodiment in that the obtaining module is further configured to obtain a transaction scenario and/or user characteristic information of the current transaction; the payment module is used for judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
The existing means for judging whether the secret payment can be avoided only by using the preset secret payment exemption limit has certain disadvantages, for example, after a mobile phone is lost, an illegal user can continuously consume the secret exemption small amount, and if the number of times is too many, the illegal user can bring great loss to the user, so that in practical application, the acquisition module 31 is also used for acquiring the transaction scene and/or user characteristic information of the current transaction; the payment module 32 is configured to determine whether the current transaction can be paid for a password-free payment according to the stored preset password-free payment limit, the transaction scenario commonly used by the user, and the user characteristic information of the legitimate user.
In practical application, the transaction scene of the current transaction includes at least one of position information of a consumption scene, WiFi information of terminal connection, and payment device information.
The position information of the consumption scene is used for determining the position of a consumption merchant or consumption in a shop/supermarket, the position information can be absolute longitude and latitude information or merchant identification and the like, whether the current transaction occurs in the shop which the user likes can be determined through the information, the safety of the payment function of the user terminal is enhanced by introducing user preferences, the privacy-free payment function can only be used in the shop which the user likes, and the use experience of the user is enhanced.
Correspondingly, the WiFi information refers to WiFi information accessed by a user terminal, and the user is familiar with service personnel in a frequently-visited consumption place, such as a restaurant/supermarket, so that the WiFi network provided by a shop can be inquired and the internet can be accessed, and therefore, the WiFi information accessed to the WiFi can also be used as a standard for judging the preference of the user, and the consumption safety is further enhanced. For example, after a mobile phone of a user is lost or stolen, an illegal user can select to close wireless connection, so that if WiFi is not accessed in a consumption place where the user frequently goes, the user can be considered that the illegal user uses terminal equipment such as the mobile phone, and at the moment, the secret payment-free function is closed, and payment is required to be carried out by using a password.
Correspondingly, the payment device information can be the device identification of a common infrared scanning gun, a card swiping machine and a POS machine, and as with WiFi information, a user can be familiar with service personnel in a common consumption place, such as a restaurant/supermarket, and therefore the user can consume at the same position or service personnel, and the payment device information is the same, so that the payment device information can also be used as a standard for judging the preference of the user, and the consumption safety is further enhanced. For example, after a mobile phone of a user is lost or stolen, an illegal user does not know a waiter preferred by the user, so if a fixed waiter is not found in a consumption place where the user frequently goes, the user can be considered that the illegal user uses a terminal device such as the mobile phone, and at the moment, the secret payment-free function is turned off, and payment is required to be carried out by using a password.
In practical application, the user characteristic information refers to information that can determine the identity of a user, such as a human face, a fingerprint, and the like, and such information does not need to be input by the user. During transaction, whether the current user is a legal user can be judged by acquiring the user characteristic information, and whether the password-free payment function needs to be started is further judged.
In the embodiment, the transaction scene and/or the user characteristic information of the current transaction are/is acquired; and judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user, thereby further improving the payment safety.
Further, a third embodiment of the payment apparatus of the present invention is provided, and the difference between the third embodiment and the second embodiment is that the payment apparatus further includes a storage module 34, where the storage module is configured to update the transaction scenario and/or the user characteristic information of the current transaction to the transaction scenario commonly used by the user and the user characteristic information of the legitimate user after the payment of the current transaction is successful.
In practical application, as shown in fig. 3, the payment apparatus provided by the present invention further includes a storage module 34, where the storage module 34 is configured to update the transaction scenario and/or the user characteristic information of the current transaction to the transaction scenario commonly used by the user and the user characteristic information of the legitimate user after the payment of the current transaction is successful, so that the payment module 32 can invoke the transaction scenario and/or the user characteristic information.
In this embodiment, through the storage module 34, an automatic learning function of the transaction scenario commonly used by the user and the user characteristic information of the legitimate user is realized, and the transaction scenario can also be used as a consumption record for the user to query, thereby further improving the payment experience of the user.
In practical application, the preset limit of the password-free payment can be the same limit used in all scenes or different limits used in different scenes, so that the interest of the user in consumption can be enhanced.
For example, the secret-free payment limit preset at time T0 is 80 yuan, the secret-free payment limit preset at time T1 is 100 yuan, the secret-free payment limit preset at time T2 is 140 yuan, the secret-free payment limit preset at time T3 is 150 yuan, the secret-free payment limit preset at time T4 is 160 yuan, the secret-free payment limit preset at time T5 is 180 yuan, and the secret-free payment limit preset at time T6 is 200 yuan.
If the password-free payment limit at a certain time set by the management module 33 is not consistent with the preset password-free payment limit at that time, the setting result of the management module 33 should be adopted. As shown in fig. 7, if the user sets the general mode, the preset limit of the non-payment for the secret is different from the preset limit of the usage for different scenes, so that the limit of the non-payment for the secret is changed from T1 to T7.
The present embodiment will now be further described with reference to specific scenarios.
In the initialization stage of the secret-free payment function, the secret-free payment amount of a user is preset to be 80 yuan, when the user uses the mobile phone payment function for the first time, a front camera is called to keep the head portrait information of the user and is stored in a database, information during the payment is stored, such as total consumption amount (self-adaptive adjustment of the use of the secret-free payment amount), consumption places (obtaining the information through positioning), connected WIFI information (strengthening confirmation of the consumption place information) and infrared scanning gun equipment information (strengthening confirmation of the consumption place information), self-adaptive small-amount secret-free payment is completed through matching of the conditions, consumption information of each unit is stored, and if the unit completes payment and the payment amount is larger than the preset amount, the secret-free payment limit amount within the current preset time in the database is updated.
When a user is in transaction, judging whether the user uses the system for the first time, if so, presetting the password-free payment amount of the user to be 80 yuan, and storing the head portrait information of the user in a database;
judging whether the consumption amount is greater than 80 yuan of the password-free payment amount, if so, directly walking a password payment channel, and if the payment is successful, updating the password-free payment limit in the database within the current preset time;
judging whether the consumption place is a place frequently visited or not, if not, directly walking a password channel;
judging whether the mobile phone of the user is connected with WIFI or not, and if the mobile phone of the user is connected with WIFI, judging whether the mobile phone of the user is matched with a consumption place or not;
acquiring a photo through a camera, comparing the photo with picture information in a database, and if the password payment is successfully carried out, carrying out password payment if the password payment is not successful;
and if the payment is successful and the payment amount is larger than the preset password-free payment limit, updating the password-free payment limit in the database within the current preset time.
According to the payment device provided by the embodiment, the device manages the limit of the password-free payment through the actual consumption condition, for example, when the current transaction cannot be subjected to the password-free payment (namely, the transaction amount is larger than the limit of the password-free payment) and the payment is successful, the transaction amount of the current transaction is set to the limit of the password-free payment within the current preset time, so that the function of automatically updating the limit of the password-free payment is realized, the limit is not required to be manually set by a user, the payment device is automatically updated according to the actual consumption condition, the problem that the limit of the existing password-free payment is a fixed value is solved, and the use experience of the user is enhanced.
In an embodiment of the terminal of the present invention, the payment device described above is included. The controller 150 in fig. 1 may include all functions of the function modules in the embodiment shown in fig. 3, such as the obtaining module 31, the payment module 32, the management module 33, and the storage module 34, and in this case, the above embodiment may be:
the controller 150 obtains the transaction amount of the current transaction, judges whether the current transaction can be paid for the current transaction without a secret according to the stored preset payment limit, pays the current transaction, and sets the transaction amount of the current transaction as the payment limit within the current preset time when the current transaction can not be paid for the current transaction without a secret and the payment is successful.
Specifically, the controller 150 determines that the current transaction can be subjected to the secret-free payment when the transaction amount of the current transaction is not greater than the preset secret-free payment limit, and determines that the current transaction cannot be subjected to the secret-free payment when the transaction amount of the current transaction is greater than the preset secret-free payment limit.
Specifically, the controller 150 obtains the transaction scenario and/or user characteristic information of the current transaction; and judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
Specifically, after the payment of the current transaction is successful, the controller 150 updates the transaction scenario and/or the user characteristic information of the current transaction to the transaction scenario commonly used by the user and the user characteristic information of the legitimate user.
The embodiment provides a terminal, which manages the limit of the password-free payment through the actual consumption condition, for example, when the current transaction cannot be subjected to the password-free payment (that is, the transaction amount is greater than the preset password-free payment limit) and the payment is successful, the transaction amount of the current transaction is set to the password-free payment limit within the current preset time, so that the function of automatically updating the password-free payment limit is realized, the limit does not need to be manually set by a user, the transaction amount is automatically updated according to the actual consumption condition, the problem that the existing password-free payment limit is a fixed value is solved, and the use experience of the user is enhanced.
Fig. 4 is a schematic structural diagram of a terminal provided in the present invention, and as shown in fig. 4, the terminal provided in this embodiment at least includes: an Input Output (IO) bus 41, a processor 42, a RAM43, a memory 44, and a display 45. Wherein,
the input/output (IO) bus 41 is connected to other components (the processor 42, the memory 43, the memory 44, and the display 45) of the terminal to which it belongs, and provides a transmission line for the other components.
Processor 42 performs calculations and validation, among other operations. The processor 42 may be a Central Processing Unit (CPU), among others. In this embodiment, the processor 42 at least needs to have the following functions: the method comprises the steps of obtaining the transaction amount of the current transaction, judging whether the current transaction can be subjected to secret-free payment according to a stored preset secret-free payment limit, carrying out payment on the current transaction, and setting the transaction amount of the current transaction as the secret-free payment limit within the current preset time when the current transaction cannot be subjected to secret-free payment and the payment is successful.
The RAM43 stores processor-readable, processor-executable software code containing instructions for controlling the processor 42 to perform the functions described herein (i.e., software execution functions). In the present embodiment, the RAM43 needs to store at least the programs necessary for implementing the functions described above by the processor 42.
In the terminal provided by the present invention, the software codes for implementing the functions of the acquisition module 31, the payment module 32, and the management module 33 may be stored in the memory 43 and executed by the processor 42 or compiled and executed.
The memory 44, which is typically a semiconductor memory unit, includes Random Access Memory (RAM), Read Only Memory (ROM), and CACHE memory (CACHE), of which RAM is the most important. The memory 44 is one of the important components in the computer, and is a bridge for communicating with the CPU, and the operation of all programs in the computer is performed in the memory, and is used for temporarily storing the operation data in the CPU and the data exchanged with an external storage such as a hard disk, and the CPU transfers the data to be operated to the memory for operation as long as the computer is in operation, and the CPU transmits the result after the operation is completed, and the operation of the memory also determines the stable operation of the computer.
The display screen 45, which typically includes one or more components, allows the processing results of the processor 42, such as an updated desktop, to be displayed, and also requires the user's clicking operations on the handwriting screen to be detected and transmitted to the processor 42.
On the basis of the terminal structure shown in fig. 4, the terminal provided in this embodiment can operate as follows:
when the function is initialized, the processor 42 displays a man-machine exchange picture through the display screen 45, so that a user can set a preset password-free payment limit;
when the consumption amount needs to be paid, the processor 42 displays payment information through the display screen 45, wherein the payment information mainly comprises a payment bar code and the like, and the payment bar code can be a two-dimensional code and the like;
the processor 42 acquires the transaction amount of the current transaction, judges whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, and pays for the current transaction;
the processor 42 sets the transaction amount of the current transaction to the limit of the privacy-free payment within the current preset time when the current transaction cannot be paid for the privacy-free payment and the payment is successful.
The terminal provided by the embodiment manages the limit of the password-free payment through the actual consumption condition, for example, when the current transaction cannot be subjected to the password-free payment (that is, the transaction amount is greater than the limit of the password-free payment) and the payment is successful, the transaction amount of the current transaction is set to the limit of the password-free payment within the current preset time, so that the function of automatically updating the limit of the password-free payment is realized, the limit is not required to be manually set by a user, the password-free payment is automatically updated according to the actual consumption condition, the problem that the limit of the existing password-free payment is a fixed value is solved, and the use experience of the user is enhanced.
As shown in fig. 5, a first embodiment of the payment method of the present invention is proposed, in which the payment method includes the following steps:
s501: and acquiring the transaction amount of the current transaction.
In practical applications, the current transaction may refer to all types of transactions that occur at the terminal, such as a transaction performed using a payment function provided by application software such as a wechat payment, a wechat transfer, a pay payment, and the like, or a transaction performed through a near field communication function provided by the terminal device, such as an NFC or radio frequency card swipe, or other payment functions, such as a contact card swipe function.
In practical application, the current transaction can enjoy certain preferential benefits, such as random discount, voucher, red packet and the like, at this time, the transaction amount can refer to the original transaction amount, can also be the actual transaction amount which actually occurs, and can be automatically set or set by a user according to actual conditions.
As a simple example, after 85 yuan is consumed and randomly subtracted in a supermarket by a user, 79 yuan is actually consumed (i.e., 6 yuan is immediately subtracted), that is, the original transaction amount is 85 and the actual transaction amount is 79, and if the preset password-free payment limit set by the user is 80 yuan, at this time, the transaction amount uses different setting methods, so that the payment module 32 executes different payment processes. For example, when the transaction amount is on time with the actual transaction amount, because the transaction amount of the current transaction is not greater than the preset password-free payment limit, it is determined that the current transaction can be subjected to the password-free payment, the payment is directly performed without inputting a password by the user, when the transaction amount is on time with the original transaction amount, because the transaction amount of the current transaction is greater than the preset password-free payment limit, it is determined that the current transaction cannot be subjected to the password-free payment, the user is required to input the password, and then the password-free payment limit within the current preset time is updated from 80 yuan to 85 yuan, that is, the transaction amount within the current preset time is less than 85 yuan, the password does not need to be input, the preset time can be freely set by the user, but in order to ensure the safety, the preset time is inappropriately set.
S502: and judging whether the current transaction can be subjected to secret-free payment according to the stored preset secret-free payment limit, and paying the current transaction. Whether the current transaction can be subjected to the password-free payment is judged mainly according to whether the transaction amount of the current transaction is larger than a preset password-free payment limit.
In some embodiments, determining whether the current transaction can be paid for a secret-free payment based on the stored preset secret-free payment limit comprises:
judging whether the transaction amount of the current transaction is larger than a preset password-free payment limit or not;
if the transaction amount of the current transaction is not more than the preset password-free payment limit, judging that the current transaction can be subjected to password-free payment;
and if the transaction amount of the current transaction is larger than the preset password-free payment limit, judging that the password-free payment cannot be carried out on the current transaction.
In some embodiments, further comprising: acquiring a transaction scene and/or user characteristic information of a current transaction; and judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
In some embodiments, further comprising: and after the current transaction payment is successful, updating the transaction scene and/or the user characteristic information of the current transaction into the transaction scene commonly used by the user and the user characteristic information of the legal user.
In some embodiments, the transaction scenario includes at least one of location information of the consumption scenario, WiFi information of the terminal connection, payment device information.
The existing means page for judging whether the secret payment can be avoided only by using the preset secret payment exempting limit has certain disadvantages, for example, after a mobile phone is lost, an illegal user can continuously consume the secret exempting small amount, and if the number of times is too many, the illegal user can bring great loss to the user, so that in practical application, a transaction scene and/or user characteristic information of the current transaction are also obtained; and judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
In practical application, the transaction scene of the current transaction includes at least one of position information of a consumption scene, WiFi information of terminal connection, and payment device information.
The position information of the consumption scene is used for determining the position of a consumption merchant or the consumption in a shop/supermarket, the position information can be absolute longitude and latitude information or merchant identification and the like, whether the current transaction occurs in the shop which the user likes can be determined through the information, the safety of the payment function of the user terminal is enhanced by introducing the user to wash, the secret-free payment function can be only used in the shop which the user likes, and the use experience of the user is enhanced.
Correspondingly, the WiFi information refers to WiFi information accessed by a user terminal, and the user is familiar with service personnel in a frequently-visited consumption place, such as a restaurant/supermarket, so that the WiFi network provided by a shop can be inquired and the internet can be accessed, and therefore, the WiFi information accessed to the WiFi can also be used as a standard for judging the preference of the user, and the consumption safety is further enhanced. For example, after a mobile phone of a user is lost or stolen, an illegal user can select to close wireless connection, so that if WiFi is not accessed in a consumption place where the user frequently goes, the user can be considered that the illegal user uses terminal equipment such as the mobile phone, and at the moment, the secret payment-free function is closed, and payment is required to be carried out by using a password.
Correspondingly, the payment device information can be the device identification of a common infrared scanning gun, a card swiping machine and a POS machine, and as with WiFi information, a user can be familiar with service personnel in a common consumption place, such as a restaurant/supermarket, and therefore the user can consume at the same position or service personnel, and the payment device information is the same, so that the payment device information can also be used as a standard for judging the preference of the user, and the consumption safety is further enhanced. For example, after a mobile phone of a user is lost or stolen, an illegal user does not know a waiter preferred by the user, so if a fixed waiter is not found in a consumption place where the user frequently goes, the user can be considered that the illegal user uses a terminal device such as the mobile phone, and at the moment, the secret payment-free function is turned off, and payment is required to be carried out by using a password.
In practical application, the user characteristic information refers to information that can determine the identity of a user, such as a human face, a fingerprint, and the like, and such information does not need to be input by the user. During transaction, whether the current user is a legal user can be judged by acquiring the user characteristic information, and whether the password-free payment function needs to be started is further judged.
In practical application, after the payment of the current transaction is successful, the transaction scene and/or the user characteristic information of the current transaction can be updated to the transaction scene commonly used by the user and the user characteristic information of the legal user. The embodiment realizes the automatic learning function of the transaction scene commonly used by the user and the user characteristic information of the legal user, and can also be used as a consumption record for the user to inquire.
S503: and when the current transaction cannot be subjected to secret-free payment and the payment is successful, setting the transaction amount of the current transaction as a secret-free payment limit within the current preset time.
According to the payment method provided by the embodiment, the password-free payment limit is managed through the actual consumption condition, for example, when the current transaction cannot be subjected to password-free payment (namely, the transaction amount is larger than the password-free payment limit) and the payment is successful, the transaction amount of the current transaction is set to be the password-free payment limit within the current preset time, the function of automatically updating the password-free payment limit is realized, the limit does not need to be manually set by a user, the payment method can be automatically updated according to the actual consumption condition, the problem that the existing password-free payment limit is a fixed value is solved, and the use experience of the user is enhanced.
According to the payment method provided by the embodiment of the invention, the limit of the password-free payment is managed through the actual consumption condition, for example, when the current transaction cannot be subjected to the password-free payment (namely, the transaction amount is greater than the limit of the password-free payment) and the payment is successful, the transaction amount of the current transaction is set to be the limit of the password-free payment within the current preset time, so that the function of automatically updating the limit of the password-free payment is realized, the limit is not required to be manually set by a user any more, the payment method is automatically updated according to the actual consumption condition, the problem that the limit of the existing password-free payment is a fixed value is solved, and the use experience of the user is enhanced.
As shown in fig. 6, a second embodiment of the payment method of the present invention is proposed, in this embodiment, the payment method includes the following steps:
s601: during initialization, a user sets preset password-free payment limits under different scenes.
When the user starts the secret payment free function, reminding the user to set preset secret payment free amount in different scenes, and storing the head portrait information of the user as the characteristic information of a legal user in a database;
s602: and calling a preset password-free payment limit corresponding to the current scene.
When a user carries out transaction, a shop owner corresponding to a current scene is determined by means of obtaining a terminal position and the like, whether a preset password-free payment limit corresponding to the current scene exists or not is judged, if yes, the preset password-free payment limit corresponding to the current scene is called, and if not, a preset general password-free payment limit is called.
S603: judging whether the consumption amount is larger than a preset password-free payment limit corresponding to the current scene or not, if so, directly walking a password payment channel, and if the payment is successful, setting the transaction amount of the current transaction as the password-free payment limit within the current preset time from the current scene;
s604: judging whether the consumption place is a place frequently visited or not, if not, directly walking a password channel;
s605: judging whether the mobile phone of the user is connected with WIFI or not, and if the mobile phone of the user is connected with WIFI, judging whether the mobile phone of the user is matched with a consumption place or not;
s606: acquiring a face photo through a camera, comparing the face photo with picture information in a database, and if the face photo is successfully paid without password, if the face photo is not successfully paid with password;
s607: and secret payment is avoided.
S608: and (4) password payment.
S609: and if the payment is successful and the payment amount is larger than the maximum password-free payment amount, setting the transaction amount of the current transaction as the password-free payment limit within the current preset time.
The embodiment provides a new method, which is used for helping people to manage payment functions safely, and determining whether a user operates the payment device according to consumption habits (determining the maximum free limit), consumption places, connected wifi information, information of scanning gun payment equipment, human faces and other information of the user, so that the safety of user funds is guaranteed, the use of the user is facilitated, and the viscosity of the user is improved.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A payment device, comprising:
the acquisition module is used for acquiring the transaction amount of the current transaction;
the payment module is used for judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit and paying the current transaction;
and the management module is used for setting the transaction amount of the current transaction as the secret-free payment limit within the current preset time when the current transaction can not be subjected to secret-free payment and the payment is successful.
2. The payment device of claim 1, wherein the payment module is configured to determine that the current transaction is eligible for a toll free payment when the transaction amount of the current transaction is not greater than the preset toll free payment limit, and to determine that the current transaction is not eligible for a toll free payment when the transaction amount of the current transaction is greater than the preset toll free payment limit.
3. Payment apparatus according to claim 1 or 2, wherein the obtaining module is further configured to obtain transaction context and/or user characteristic information of the current transaction; the payment module is used for judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
4. The payment apparatus as claimed in claim 3, further comprising a storage module, wherein the storage module is configured to update the transaction scenario and/or the user characteristic information of the current transaction to the transaction scenario commonly used by the user and the user characteristic information of the legitimate user after the payment of the current transaction is successful.
5. A terminal characterized in that it comprises a payment device according to any one of claims 1 to 4.
6. A payment method, comprising:
acquiring the transaction amount of the current transaction;
judging whether the current transaction can be subjected to secret-free payment according to the stored preset secret-free payment limit, and paying the current transaction;
and when the current transaction cannot be subjected to secret-free payment and the payment is successful, setting the transaction amount of the current transaction as a secret-free payment limit within the current preset time.
7. A payment method as recited in claim 6, wherein the determining whether the current transaction is eligible for a toll free payment based on the stored preset toll free payment limit comprises:
judging whether the transaction amount of the current transaction is larger than the preset password-free payment limit or not;
if the transaction amount of the current transaction is not larger than the preset password-free payment limit, judging that the current transaction can be subjected to password-free payment;
and if the transaction amount of the current transaction is larger than the preset password-free payment limit, judging that the current transaction cannot be subjected to password-free payment.
8. A payment method as claimed in claim 6 or 7, wherein the method further comprises: acquiring a transaction scene and/or user characteristic information of the current transaction; and judging whether the current transaction can be subjected to the secret-free payment according to the stored preset secret-free payment limit, the transaction scene commonly used by the user and the user characteristic information of the legal user.
9. A payment method as recited in claim 8, wherein the method further comprises: and after the current transaction payment is successful, updating the transaction scene and/or the user characteristic information of the current transaction into the transaction scene commonly used by the user and the user characteristic information of the legal user.
10. A payment method as recited in claim 8, wherein the transaction scenario includes at least one of location information of a consumption scenario, WiFi information of a terminal connection, payment device information.
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| CN109583878A (en) * | 2018-11-21 | 2019-04-05 | 努比亚技术有限公司 | Method of payment, device, mobile terminal and computer readable storage medium |
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Application publication date: 20170111 |